Premium Add-On Home Warranty Coverage For Higher limits and more Protection
Affordable Premium Add-On home warranty coverage for extra protection beyond your base plan.
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Help cover costly repairs and replacements: Get coverage for higher-value items and add-on systems when unexpected breakdowns happen.
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Use your own licensed technician: Choose a qualified pro you trust and keep control of who does the work.
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Fast, simple claim process for Premium Add-On coverage: Submit a claim in minutes and move forward with repairs once approved.
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Hassle-Free Premium Add-On Protection, When You Need It Most
What Is Premium Add-On Home Warranty Coverage?
Premium Add-On coverage is optional extra protection you can add to your HomeMembership Warranty Membership to cover additional systems or appliances you want protected beyond the basics. Instead of getting hit with a big out-of-pocket repair bill, you pay a predictable membership cost and your claim can be reimbursed or paid (based on the covered item and your coverage chart limits).
HomeMembership also keeps the process straightforward: you can choose your own service provider, then submit your paid invoice or diagnostic estimate through the claims process.
Premium Add-Ons are selected based on what you want to protect, such as HVAC systems, water heaters and major appliances, and you can choose coverage based on how many units you have.
How it is different from a manufacturer's warranty?
A manufacturer’s warranty usually covers a new system or appliance for a limited time and is mainly focused on defects in materials or workmanship. Once that short warranty window ends, normal wear and tear issues become your responsibility.
How it’s different from homeowners insurance?
Homeowners insurance is built for major events like fire or storm damage. It typically doesn’t help when a system or appliance simply fails due to age, wear and tear or everyday use.
That’s where Premium Add-On coverage can help fill the gap, especially for the extra items you want protected.
Premium Add-On coverage is designed for real homeowner life: it helps when covered items break down from normal use over time, not just when something was defective on day one.
- Premium add-on home warranty coverage – Helps pay to repair or replace covered add-on systems and appliances (based on your coverage chart limits), with a simple submit-invoice process and the ability to choose your own service provider
- Homeowners insurance – Covers damage from sudden events like fire and storms, not everyday breakdowns from wear and tear
- Manufacturer warranty – Limited-time coverage on new equipment, typically focused on defects, not long-term wear and tea
With the right Premium Add-On coverage, expensive repairs become a clearer, more predictable process instead of a surprise bill.
Hassle-Free Premium Add-On Protection, When You Need It Most
How Does Premium Add-On Home Warranty Coverage Work?
When an “extra” item fails, like a main water line, municipal sewer line, sump pump, grinder pump, radon fan, deep freezer, water softener, roof, termite damage repair, or a fresh-water pool, the repair can feel urgent and expensive. HomeMembership Premium Add-Ons help you protect your budget and match your life stye by applying clear add-on limits and a simple claim process.
Some of Your Add-On Item Breaks Down
If a covered Premium Add-On stops working or needs repair due to normal use, you don’t have to scramble for a one-off solution. You start with the add-on you selected, and coverage is based on the limits shown for that upgrade.
File a Claim and Choose Your Provider
Submit your claim through HomeMembership’s claim portal. You can choose and hire your own provider (licensed where applicable), get the diagnosis, and collect the invoice paperwork you’ll need for review.
Get Reimbursed for Covered Repairs
After the work is completed, upload your invoice. HomeMembership reviews the claim and reimburses covered parts and labor based on the coverage chart, minus the $25 deductible per covered claim.
How Much Can Premium Add-Ons Help You Save?
Without Premium Add-On coverage, “extra” repairs usually mean paying 100 percent out of pocket, often on short notice. With HomeMembership Premium Add-Ons, you pay a predictable monthly add-on fee and a $25 deductible per covered claim, then coverage can apply up to the specific add-on limit you selected.
Premium Add-Ons are simple on purpose: each upgrade has a clear dollar limit and a clear monthly price, so you can choose the protection that matches the way you use your home.
Real-world examples: fixing it on your own vs. with HomeMembership
Category |
Premium add-on |
Coverage limit |
Monthly price |
|---|---|---|---|
| Plumbing upgrades | Main Water Line | $1,000 | $12.50/mo. |
| Plumbing upgrades | Municipal Sewer Line | $1,000 | $12.50/mo. |
| Plumbing upgrades | Septic System | $500 | $9.75/mo. |
| Plumbing upgrades | Sump Pump | $550 | $10.42/mo. |
| Plumbing upgrades | Grinder Pump | $550 | $10.42/mo. |
| Electrical upgrades | Electrical / Telecom Line | $1,000 | $12.50/mo. |
| Electrical upgrades | Radon Fan | $400 | $7.58/mo. |
| Appliance upgrades | Deep Freezer | $400 | $7.58/mo. |
| Appliance upgrades | Water Softener | $400 | $7.58/mo. |
| More coverage | Roof | $450 | $8.67/mo. |
| More coverage | Termite Damage Repair | $1,000 | $12.50/mo. |
| More coverage | Pool (Fresh Water Only) | $600 | $11.92/mo. |
Example Savings Comparison (Edit-Friendly)
Note: Costs below are example ranges that vary by home, region, access, and severity. You can replace them with your preferred numbers.
Premium add-on |
Example repair situation |
Cost paying on your own |
With HomeMembership Premium Add-On |
|---|---|---|---|
| Main Water Line | Leak repair or section replacement | $800–$3,500+ | $25 deductible + any amount above the $1,000 limit |
| Municipal Sewer Line | Blockage repair or damaged section | $900–$4,000+ | $25 deductible + any amount above the $1,000 limit |
| Septic System | Pump, component repair | $400–$1,800+ | $25 deductible + any amount above the $500 limit |
| Sump Pump | Pump failure replacement | $350–$1,200+ | $25 deductible + any amount above the $550 limit |
| Grinder Pump | Pump failure replacement | $500–$2,000+ | $25 deductible + any amount above the $550 limit |
| Electrical / Telecom Line | Exterior line repair | $600–$2,500+ | $25 deductible + any amount above the $1,000 limit |
| Radon Fan | Fan replacement | $250–$900+ | $25 deductible + any amount above the $400 limit |
| Deep Freezer | Compressor or sealed-system issue | $300–$1,200+ | $25 deductible + any amount above the $400 limit |
| Water Softener | Valve/head repair or replacement | $250–$1,000+ | $25 deductible + any amount above the $400 limit |
| Roof | Minor covered roof repair | $300–$1,500+ | $25 deductible + any amount above the $450 limit |
| Termite Damage Repair | Covered termite damage repair work | $800–$5,000+ | $25 deductible + any amount above the $1,000 limit |
| Pool (Fresh Water Only) | Pump or equipment repair | $400–$2,500+ | $25 deductible + any amount above the $600 limit |
So, instead of asking, “How big is this bill going to be?”
Your question becomes, “Is this add-on covered, and what’s my limit?”
Premium Add-Ons Eligible for Home Warranty Coverage
Whether you live in a newer home with modern upgrades or an older home where key components are aging, HomeMembership Premium Add-Ons let you customize coverage for the items that tend to create expensive surprises. Choose the add-ons you want, get clear limits, and keep costs predictable.
We cover the most common Premium Add-On upgrades, including:
Main water line
Helps cover repairs to the main line bringing water to your home
Sump pump
Helps cover covered sump pump repairs and replacement to prevent water buildup
Municipal sewer line
Helps cover repairs to the line carrying wastewater from your home to the city connection
Electrical / telecom line
Helps cover covered repair costs for exterior electrical or telecom service lines
Septic system
Helps cover covered septic repairs for homes not connected to municipal sewer
Roof
Helps cover covered roof repairs that can lead to leaks and water damage
Not sure which Premium Add-Ons you need? No problem. Pick the upgrades that match your home and your risks, and you can adjust coverage as your needs change.
Premium Add on Home Warranty FAQs
The Home Warranty You Can Actually Trust
Your home doesn’t take seasons off. From summer heat to winter cold, your systems and appliances run hard every day, and that wear adds up. When an unexpected breakdown hits, costs can spike fast, especially on bigger repairs.
HomeMembership’s Premium Add-On coverage is built for homeowners who want extra protection beyond a base plan. With clear chart limits, a low deductible and the flexibility to use your own service provider, it helps you stay in control of both repairs and your budget, so your home stays comfortable and functional year-round.
- Member Portals
- Service
- Member Benefits
- Coverages
- Representatives
- Cheap Deductibles
- Hard To Find Parts Services
- Wide Range of Covered Items
- Monthly Pay Discounts
- Top Rated Google & BBB
- Member Portals
- ServiceSame / Next Day Service
- Member Benefits
- CoveragesClear Defined Coverages
- RepresentativesAssigned Member Success Representative
- Cheap Deductibles$25 - $100 Deductibles
- Hard To Find Parts Services
- Wide Range of Covered Items
- Monthly Pay Discounts
- Top Rated Google & BBBGoogle Reviews
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- Member Portals
- Service1 to 2 weeks
- Member Benefits
- CoveragesMany Gray Areas
- RepresentativesCall Centers
- Cheap Deductibles$125 - $200 Deductibles
- Hard To Find Parts Services
- Wide Range of Covered Items
- Monthly Pay Discounts
- Top Rated Google & BBBGoogle Reviews0 / 511 Competitors Turn Google Reviews Off
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