FAQs

 How do your claims work?

1) Choose your own service provider to diagnose the failure.
2) Check your coverage Chart to see if the items are covered and then locate the coverage amount.
3) Submit your Invoice with the failure diagnosis.
4) HM will reimburse the member or pay the service provider directly for your coverage amount.

 

Are there discounts for different pay options?

Yes, we offer multiple pay discounts at the time of checkout.

 

Will any claim for my home be fully covered?

Coverage amounts and items covered will be listed in your coverage chart.

 

I have multiple A/C units and water heaters. Do I need to add these on for coverage to apply?

Yes, you will need to add additional units on during checkout.

 

Do you send out a service provider for my claim?

No, you choose your own service provider to make the covered repair.

 

When can I file a claim?

You can file a claim 24/7 through your member portal or at https://homemembership.com/login

 

Do you replace my appliance or system if it can't be fixed?

HM will indemnify the member for any non-functional/broken parts and the labor amount to install them (as shown on the coverage chart). Members can then apply this payout amount to an upgraded appliance or system of their choosing (the upgrade amount is the member's responsibility).

 

What areas do you cover?

Please input your zip code during checkout to see if your area is available for coverage.

 

Do you cover maintenance items?

HM does not cover maintenance items (i.e., Gutter Cleanings, Frozen Water lines, Drain Clogs, Filter Changes, etc.)

 

When does my coverage start?

Warranty memberships purchased directly through our website start at the time of checkout, but members will only have half the coverage amounts for the first 30 days. Warranty memberships purchased through a real estate transaction with a completed home inspection will start at closing and have total limits applied. *FREE Memberships start immediately at checkout.

 

How much is your deductible?

Our deductible is only $25. We DO NOT charge a $100-$200 non-refundable deductible like the other warranty companies. Your $25 deductible is subtracted from the amount of your covered claim total.

 

Do you have an age limit for what you cover?

We do not have an age limit on what we cover.

 

Why is there an amount for Labor and an amount for the Part?

Our coverage chart protects our members from service providers who may overcharge or take advantage of a member.

 

How long does it take for me to be reimbursed for my repair?

Our terms state we will issue payment within seven business days, but most members receive payment within three to five business days.

 

What if an item is not on the coverage chart?

All items not specifically mentioned on your coverage chart would not be covered.

 

How do I find a service provider if I don't know one?

You can use our Locate a Service Provider Search Tool at https://homemembership.com/locateserviceprovider/

 

Do I call HomeMembership when I have a claim?

No, it would be best if you didn't have to call and wait on hold. 1) Choose your own service provider to diagnose the failure
2) Check your coverage Chart to see if the items are covered, and then locate the coverage amount
3) Submit your Invoice with the failure diagnosis
4) HM will reimburse the member or pay the service provider directly for your coverage amount

 

Why can't I talk to someone whenever I want?

Our membership is designed to make your covered repair as fast and efficient as possible. We don't want you waiting on hold, waiting on parts, talking to 1-800 Guess Who, etc. HomeMembership was created to make things easier for homeowners, not harder.

 

What does the invoice need to contain from the service provider for reimbursement?

Please see our invoice checklist for everything that needs to be present on the invoice.
https://homemembership.com/invoice-checklist/

 

Why don't you replace my appliance like the other home warranty companies say they will?

Be careful; most standard home warranty companies DO NOT replace based on replacement cost. Most warranty companies will only replace an appliance based on today's cash value of the appliance (Refrigerator example: If you paid $1200 (9 Years ago), the value of the refrigerator may only be worth $200 in today's market. Therefore, the standard warranty company will only give you $200 Cash instead of repair or a replacement model of that equal value ($200). HM is different because we pay you the replacement cost of the broken parts, which can total up to $12,000+ on our appliance coverages, and you can take those funds from the covered item and apply them to a new unit of your choice.

 

Is anything outside of my home covered?

Only items in the interior confines of the home and shown on the coverage chart are covered. *Unless an add-on has been purchased outside the home's confines.

 

I need to pay my bill.

To pay your bill, please email [email protected] for assistance from one of our home warranty experts.

 

How do I update my bank account ACH or credit card payment information?

Please email [email protected], and one of our home warranty experts will happily assist you.

 

How do I cancel my warranty or membership plan?

Please email [email protected] with the cancellation date and your reason for cancellation, and our home warranty experts will happily help you.

 

What is my deductible?

Our deductible is only $25. We DO NOT charge a $100-$200 non-refundable deductible like the other warranty companies. Your $25 deductible is subtracted from the amount of your covered claim total.

 

Is there a waiting period once my warranty is purchased?

Coverage begins immediately with no waiting period. However, for the first 30 days of coverage, only 50% of limits are available for application. On the 31st day, 100% of your coverage limits are active and available.

 

Do you buy out appliances?

We reimburse for the part that failed, plus labor that can be applied to purchase a new unit.

 

How much are your warranty plans?

Our warranties range from $50-$70 monthly. Please see our plans and pricing at https://homemembership.com/plans/

 

Can I call?

You can email us at [email protected] for a faster response or call us at 502-237-5540.

 

Where can I view your reviews?

You can see our reviews at the link here https://www.bbb.org/us/ky/louisville/profile/home-warranty-plans/homemembership-0402-159148719

 

Do you cover septic systems?

Yes, it is an add-on and can be purchased additionally at check out.