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Every year, thousands of homeowners face devastating repair bills that could have been prevented. Standard home warranties only cover part of the picture. Learn the warning signs — and discover why ServiceOne TotalHome™ Total Protection, covering your home from roof to foundation, is the only plan that truly protects you from financial disaster.
As a homeowner, you're no stranger to unexpected expenses. But some repair bills can be so devastating they put your financial stability at risk. The worst part? Most standard home warranties only cover some of what can go wrong — leaving you exposed when the really big disasters hit.
We've analyzed thousands of home warranty claims and identified the three most common—and most expensive—repair traps that catch homeowners off guard. More importantly, we'll show you why ServiceOne TotalHome™ Total Protection is the only plan designed to handle all three at once — inside your home and out.
The average cost homeowners pay when all three of these issues strike within a single year—without ServiceOne TotalHome™ protection.
Complete system replacement can exceed $10,000 in some cases
Your HVAC system is the hardest-working appliance in your home, running thousands of hours each year. Yet it's also the most neglected—until it stops working on the hottest day of summer or the coldest night of winter.
Most home warranties cover the HVAC unit itself — but stop there. ServiceOne TotalHome™ goes further: it covers your entire HVAC system including ductwork, thermostats, and electrical connections. Instead of a $7,000 emergency expense, you pay only your service call fee. Plus, ServiceOne TotalHome™ also covers your roof, siding, windows, foundation, plumbing, electrical, and every major appliance — so when multiple things break (and they will), you're never caught off guard.
See everything ServiceOne TotalHome™ coversAdd $2,000-$8,000 more if water damage occurs to flooring, drywall, or belongings
Water heaters have a typical lifespan of 8-12 years, but most homeowners never think about them until they fail catastrophically. A burst water heater can release 30-50 gallons of water into your home in minutes, causing extensive damage that often exceeds the cost of the unit itself.
"I noticed rusty water for a few weeks but kept putting off calling someone. Then one Saturday morning, I woke up to 2 inches of water throughout my basement. The water heater replacement was $2,400, but the water damage restoration cost me another $6,800. If I'd just acted on those warning signs, I could have saved thousands."
— Michelle T., Arizona homeowner
Standard home warranties might replace your water heater — but they won't touch the $6,800 in water damage Michelle faced. ServiceOne TotalHome™ covers the water heater and the resulting damage to flooring, drywall, and belongings. It also covers your plumbing system, sewer lines, and every appliance — so a single catastrophic failure never becomes a multi-part financial nightmare.
See how ServiceOne TotalHome™ protects your whole homeSlab leaks and sewer line replacements can exceed $15,000
Plumbing problems are insidious because by the time you notice them, the damage is already extensive. Water leaking behind walls, under floors, or in your foundation can cause structural damage that takes months and tens of thousands of dollars to repair.
Average Cost: $2,000-$4,000 for detection and repair, up to $10,000+ if foundation work is needed
Warning Signs:
Average Cost: $3,000-$7,000 for repairs, $8,000-$15,000+ for full replacement
Warning Signs:
Average Cost: $2,000-$10,000 depending on extent and accessibility
Warning Signs:
Hidden plumbing issues are the worst kind — by the time you find them, structural damage has already begun. Most warranties cover the pipe repair. ServiceOne TotalHome™ covers the pipe, the excavation, the concrete replacement, the wall repair, and the flooring — everything needed to make your home whole again. It also covers your roof, foundation, electrical, HVAC, and every appliance. One plan, zero gaps.
Discover complete ServiceOne TotalHome™ coverageHere's what homeowners pay without HomeShield™ — versus with it
These three repair traps are just the tip of the iceberg. ServiceOne TotalHome™ covers every major system, every appliance, and every structural component of your home — from the roof down to the foundation. When any of these disasters strike, you're covered.
Most homeowners will face at least one of these major repair emergencies within 5 years of homeownership. Many will face all three at some point. The question isn't if these expensive repairs will happen—it's when.
ServiceOne TotalHome™ transforms unpredictable, budget-destroying expenses into predictable, manageable costs. From your roof to your foundation — and everything in between — one plan protects it all. Instead of scrambling for thousands of dollars when disaster strikes, you have peace of mind knowing nothing is left uncovered.