HomeMembership launches Plus plan with $40,000 coverage cap

HomeMembership has launched Plus Membership, a new home warranty tier that raises combined parts and labor coverage to $40,000, expands protection to more than 130 home items and keeps a flat $25 deductible. The Louisville company says the plan is designed to reduce out-of-pocket costs and give homeowners more control over who performs repairs. Why it matters: - HomeMembership’s new Plus Membership raises the ceiling on covered repairs, which can matter when a single major system failure would otherwise exhaust a home warranty benefit. - The plan also keeps the homeowner in control of contractor selection, a key point of friction in the home warranty market. - A flat $25 deductible is far below the $75 to $125 service call fees that major national providers typically charge, based on JD Power 2025 home warranty industry data. What happened: - HomeMembership launched Plus Membership, a new tier now available for $66.25 per month. - The Louisville, Kentucky-based home warranty provider said Plus covers more than 130 home items across HVAC, plumbing, electrical systems and major appliances. - The plan increases the combined parts and labor coverage cap to $40,000 per contract term. - HomeMembership said the new tier adds more than 20 components requested by members. The details: - Plus Membership includes everything covered under Core Membership. - Core Membership costs $57.91 per month and covers more than 110 items with a $35,000 combined parts and labor cap. - Plus-only HVAC coverage includes the humidifier and dehumidifier, disconnect box and breaker, float switch, defrost control board and zone damper motors. - Plumbing additions include main shut-off valve replacement, shower heads and wax ring service. - Electrical additions include junction boxes and USB and smart receptacles. - Appliance additions include refrigerator compressors and door gaskets, dishwasher door latches and seals, and washer door boot seals. - Both plans use a flat $25 deductible per service event. - Members can choose any licensed contractor instead of using a provider-assigned technician. - After a covered repair, HomeMembership pays the service provider directly or reimburses the member after a paid invoice or diagnostic estimate is submitted. - The claim process has four steps: a covered breakdown occurs, the member selects a licensed provider, the member submits a paid invoice or estimate, and HomeMembership reimburses the member or pays the provider directly. - Members on either plan can add coverage for the main water line, municipal sewer line, septic system, sump pump, grinder pump, electrical and telecom line, radon fan, deep freezer, water softener, roof, termite damage repair and pool. - Add-on pricing is listed on the HomeMembership plans page: More information . Between the lines: - The Plus launch appears aimed at two common homeowner concerns: coverage limits that run out too quickly and repair disputes tied to contractor assignment. - HomeMembership is positioning its model as an alternative to traditional home warranty plans by combining a lower deductible, contractor choice and reimbursement-based claims. - Troy Cummings, HomeMembership’s founder, said homeowners wanted higher caps and coverage for smaller parts that fail often. What’s next: - HomeMembership is continuing to sell both Core and Plus memberships nationwide. - The company is also offering add-on coverage for items outside the base plans, which suggests it expects homeowners to customize protection around bigger risk areas. The bottom line: - HomeMembership is betting that higher coverage limits and contractor choice will stand out in a home warranty market where fees and service disputes remain pain points.