Southwest

Yes. HomeMembership allows you to choose your own licensed service provider for covered repairs (no required contractor network).

HomeMembership says coverage starts immediately. For direct-to-consumer plans, claims filed in the first 30 days are limited to half the normal chart limits; real estate buyer/seller plans have full limits immediately.

HomeMembership’s home systems coverage includes HVAC protection with up to $13,035 in covered HVAC parts and labor (subject to chart line-item limits). Always confirm the exact component limits in the coverage chart before the repair starts.

Yes. HomeMembership states refrigerant leaks and recharges are covered when required to repair a covered mechanical failure, while routine top-offs due to normal seepage are not covered. Their FAQ also lists a refrigerant line item with a fixed cap (example shown for “Freon/Refrigerant” with labor).

HomeMembership explains labor is capped at $100 per hour with predefined hours per covered item (so labor reimbursement is limited by the chart for that component).

After the repair, you submit your paid invoice through the claim process. HomeMembership states it will reimburse covered charges within seven days of verification, and in many cases can pay the servicer directly instead.

HomeMembership’s terms require an itemized receipt from your provider listing the reason for the breakdown, each part replaced, and labor hours. Paid invoices submitted more than 14 days after the repair are not eligible for reimbursement; the FAQ also notes photos may be required for larger claims (example: HVAC over $500).

HomeMembership states trip fees are not reimbursed, and labor-only/diagnosis-only service calls are not reimbursed. Their FAQ also says secondary/consequential damages (like water damage, mold, spoilage) are excluded, and system pages note coverage is for normal wear and tear, not storm damage, accidents, or neglect.