AARP HomeServe Water Line Insurance: Is It Legit and Worth It?
Water is essential for life, but it can also cause a lot of problems when it leaks from your pipes. If you own a home, you are responsible for the water service line that runs from the street to your house, as well as the plumbing and drainage systems inside your home.
These pipes can break or leak due to age, corrosion, ground shifting, extreme temperatures, or natural disasters. When that happens, you could face a costly and stressful repair bill that your homeowner’s insurance may not cover.
That’s why some utility companies and third-party providers offer water line insurance or service contracts that cover the repair or replacement of your water service line and other plumbing and drainage issues.
One of these providers is HomeServe, which partners with AARP to offer exclusive discounts and benefits to AARP members.
But is AARP HomeServe water line insurance legit and worth it?
In this post, we will answer this question by looking at the features, benefits, costs, and drawbacks of this service.
Contents show
What is AARP HomeServe Water Line Insurance?
AARP HomeServe water line insurance is a service contract that covers the repair or replacement of your exterior water service line in case of a covered leak or break.
The service contract is offered by HomeServe, a leading provider of home repair solutions in the US, and endorsed by AARP, a nonprofit organization that advocates for the interests of older Americans.
AARP members can get a 10% discount on the monthly fee and a lifetime price guarantee, as well as access to a 24/7 repair hotline and a network of local, licensed, and insured contractors.
What Does AARP HomeServe Water Line Insurance Cover?
AARP HomeServe water line insurance covers the following:
- Excavation to expose the pipe
- Pipe repair or replacement
- Unblocking
- Fitting external valves
- Fusing
- Welding
- Pipe cutting
- Locating a leak
- Backfilling
The service contract covers various types of pipe material, regardless of how old they are. It also covers up to $10,000 per year in repair costs, with no deductibles or service fees. However, there are some exclusions and limitations that you should be aware of, such as:
- A 30-day waiting period before the coverage starts
- No coverage for pipes damaged by natural disasters, such as earthquakes, floods, or landslides
- No coverage for pipes that are shared with other properties or that are not up to code
- No coverage for pipes that are inside your home, under your home, or beyond your property line
- No coverage for cosmetic damage, landscaping, or restoration
You can read the full terms and conditions of the service contract at HomeServe Website
How Much Does AARP HomeServe Water Line Insurance Cost?
The monthly fee for AARP HomeServe water line insurance is $5.99, which is 10% less than the regular price of $6.66.
AARP members also get a lifetime price guarantee, which means that the monthly fee will never increase as long as they remain enrolled in the service contract.
The monthly fee is added to your utility bill or charged to your credit card, depending on your preference. You can cancel the service contract at any time without penalty.
What Are the Benefits of AARP HomeServe Water Line Insurance?
1. The main benefit of AARP HomeServe water line insurance is that it can save you from paying a large and unexpected repair bill if your water service line breaks or leaks.
According to Fixr.com, the average cost to replace a water service line is $3,750. If you have AARP HomeServe water line insurance, you only have to pay $5.99 per month, which is a fraction of the potential repair cost.
2. Another benefit of AARP HomeServe water line insurance is that it gives you peace of mind and convenience. You don’t have to worry about finding a reliable and qualified contractor to fix your water service line, as HomeServe has a network of over 16,000 contractors across the US.
You also don’t have to deal with the hassle of scheduling, negotiating, or paying for the repair, as HomeServe handles everything for you. All you have to do is call the 24/7 repair hotline and HomeServe will send a contractor to your home within 24 hours.
3. A third benefit of AARP HomeServe water line insurance is that it comes with exclusive discounts and benefits for AARP members. As an AARP member, you get 10% off the monthly fee and a lifetime price guarantee, as well as access to other home repair plans from HomeServe, such as exterior sewer/septic line, interior plumbing and drainage, and exterior plumbing and drainage plans.
You also get access to AARP’s resources and advocacy on issues that matter to older Americans, such as health, financial security, and social well-being.
What Are the Drawbacks of AARP HomeServe Water Line Insurance?
The main drawback of AARP HomeServe water line insurance is that it may not be necessary or worth it for everyone. Depending on the age, condition, and location of your water service line, you may never experience a leak or break that requires a repair or replacement. In that case, you may end up paying more for the service contract than you would for a one-time repair.
You also have to consider the exclusions and limitations of the service contract, which may not cover all the scenarios or costs that you may encounter.
Another drawback of AARP HomeServe water line insurance is that it may not be the best or only option for protecting your water service line. You may be able to find a cheaper or more comprehensive service contract from another provider, or you may be able to self-insure by setting aside some money in an emergency fund for potential repairs.
You may also be able to prevent or reduce the risk of water service line problems by inspecting, maintaining, and upgrading your pipes regularly.
How do I enroll in AARP HomeServe water line insurance?
To enroll in AARP HomeServe water line insurance, you need to be an AARP member and a homeowner. You can check your eligibility and view the plan details on theHomeServe website.
You can also call HomeServe toll-free at 1-855-336-2465 to enroll or get more information.The monthly fee for AARP HomeServe water line insurance is $5.99, which is 10% less than the regular price of $6.66.
You can pay the fee through your utility bill or your credit card, depending on your preference. You can cancel the plan at any time without penalty.
What are some other home repair plans from HomeServe?
Some other home repair plans from HomeServe are:
Exterior sewer/septic line plan
This plan covers the repair or replacement of your exterior sewer or septic line in case of a blockage, collapse, or leak. It also covers the excavation, backfilling, and landscaping costs associated with the repair. The monthly fee for this plan is $9.99 and the annual benefit amount is $10,000.
Water service line plan
This plan covers the repair or replacement of your exterior water service line in case of a leak, break, or corrosion. It also covers the excavation, backfilling, and landscaping costs associated with the repair. The monthly fee for this plan is $6.66 and the annual benefit amount is $10,000.
Interior electrical line plan
This plan covers the repair or replacement of your interior electrical wiring and components, such as outlets, switches, breakers, and fuses. It also covers the cost of bringing your electrical system up to code if required. The monthly fee for this plan is $7.99 and the annual benefit amount is $3,000.
Heating and cooling system plan
This plan covers the repair or replacement of your heating and cooling system, such as your furnace, boiler, heat pump, or air conditioner. It also covers the cost of refrigerant, filters, thermostats, and other parts and accessories. The monthly fee for this plan is $19.99 and the annual benefit amount is $2,000.
Water heater plan
This plan covers the repair or replacement of your water heater, whether it is gas, electric, or tankless. It also covers the cost of valves, vents, pipes, and other parts and accessories. The monthly fee for this plan is $9.99 and the annual benefit amount is $1,500.
You can find more details about these plans and other home repair plans from HomeServe on theirwebsite. You can also call them toll-free at 1-855-336-2465 to enroll or get more information.
Conclusion
AARP HomeServe water line insurance is a service contract that covers the repair or replacement of your exterior water service line in case of a covered leak or break.
It can save you from paying a large and unexpected repair bill, as well as provide you with peace of mind and convenience. It also comes with exclusive discounts and benefits for AARP members.
However, it may not be necessary or worth it for everyone, as it may not cover all the scenarios or costs that you may encounter, and it may not be the best or only option for protecting your water service line.
Therefore, you should weigh the pros and cons of AARP HomeServe water line insurance and compare it with other alternatives before deciding whether to enroll or not.
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Evans
Greetings, I’m Evans Odundo, a dedicated professional holding a Master’s Degree in Software Engineering from Daystar University.
My blogging journey is fueled by a profound interest in insurance companies, and I take pride in unraveling the intricacies of their coverage.
Before diving into the tech world, I pursued a Bachelor’s Degree in International Relations at USIU, shaping a foundation rooted in understanding global dynamics during my four-year tenure.
This diverse academic background allows me to seamlessly blend technology insights with a deep comprehension of international affairs.
In the digital realm, I stand out as a proficient blogger, utilizing my platform to share valuable insights into the insurance industry.
My ability to bridge the technicalities of software engineering with the complexities of insurance coverage showcases my multidisciplinary approach.
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