Covering What Covers You

Home Defense USA helps you cover what home owners insurance doesn't. Only 41% of homeowners say they could afford a $500 repair out of pocket, and that percentage drops to 28% for those who could afford a $1,000 repair. With a home protection plan, you control the cost of expensive repairs in your home.

About us

Protecting Your Home. Simplifying the Unexpected.

At Home Defense USA, we believe homeownership should come with a little more peace of mind. We help homeowners find protection for the essential systems and appliances they rely on every day.

Based in St. Louis, Missouri, our team is committed to providing straightforward guidance, dependable support, and home protection solutions designed for the realities of homeownership.

Home Protection Made Simple

Protecting your home shouldn’t be complicated. Home Defense USA makes it easier to find the right protection for your home, your needs, and your budget.

Straightforward Protection

Home protection doesn’t need to be confusing. We help simplify your options so you can make an informed decision with confidence.

Coverage That Fits Your Home

Every home and homeowner is different. We offer a range of protection options designed to provide coverage for the systems and appliances that matter most.

Support When You Need It

From choosing your coverage to questions that come up along the way, our team is here to provide helpful, responsive support.

Protection You Can Count On

Unexpected breakdowns are part of owning a home. Having the right protection in place can make dealing with them a whole lot easier.

Our goal is simple: help homeowners understand their options, choose the coverage that fits their needs, and feel confident knowing they have a plan in place when the unexpected happens.

Built Around Homeowners

We believe home protection should be straightforward, accessible, and designed around the realities of owning a home.

Knowledgeable Guidance — Our team takes the time to help customers understand their options and make informed decisions about their home protection.

Our Covered Components

From major home systems to everyday appliances, our protection plans offer coverage for many of the components homeowners rely on most. Coverage options can include heating and cooling systems, plumbing, electrical systems, kitchen appliances, and more—helping you stay prepared when unexpected breakdowns occur.

Testimonials

Hear from homeowners who chose Home Defense USA for added peace of mind.

Such a great company. Replaced my garage door opener and fixed my washing machine last week. Highly recommended!

Marsha M

Had a great experience with Home Defense USA. They set me up with a great repair company for my hot water heater. They ended up replacing the whole unit and Blake was super helpful. They are always nice when I call.

Michael D

Really good experience with Home Defense USA. Everyone I spoke with was helpful and easy to deal with, and they did a good job explaining everything without making it complicated.

Dan S

Contact us

Whether you’re exploring home protection or have questions about your existing coverage, we’re here to point you in the right direction.

Did you know?

A portion of the proceeds from every Home Protection Plan helps support military veterans and their families! We are proud to stand by two charitable organizations and support those who protect us.

Gary Sinise Foundation

Through his Foundation and bestselling memoir Grateful American: A Journey from Self to Service, Sinise’s legacy of service continues to inspire and transform lives.

Fisher House

Fisher House Foundation builds comfort homes where military & veteran families can stay free of charge, while a loved one is in the hospital.

Contact Us

Whether you’re exploring home protection or have questions about your existing coverage, we’re here to point you in the right direction.

Name
Terms of Service
Terms & Conditions
Welcome to Home Defense USA Home Warranty Company. These Terms and Conditions govern your use of our home warranty services. By accessing or using our services, you agree to comply with and be bound by these terms. If you do not agree with these terms, please do not use our services.

1. Service Agreement
1.1 Home Warranty Coverage
Our home warranty services cover specified home systems and appliances as outlined in your service agreement. Coverage details, terms, and conditions are provided in your personalized contract.

1.2 Claims Process
To initiate a claim, you must notify us promptly through our designated channels. Claims will be processed in accordance with the terms outlined in your service agreement.

2. Obligations and Responsibilities
2.1 Customer Responsibilities
As the customer, you are responsible for providing accurate and complete information, including maintenance records, during the claims process.

2.2 Payment Obligations
You agree to pay the agreed-upon service fees as outlined in your contract. Failure to make timely payments may result in the suspension or termination of services.

3. Exclusions and Limitations
3.1 Excluded Items
Certain items may be excluded from coverage as specified in your service agreement. It is your responsibility to review and understand these exclusions.

3.2 Limitations of Liability
Our liability is limited to the terms outlined in your service agreement. We are not responsible for indirect, incidental, or consequential damages.

4. Termination
4.1 Termination by Customer
You may terminate your service agreement by providing written notice in accordance with the terms specified in your contract.

4.2 Termination by Home Defense USA
We reserve the right to terminate or suspend services in the event of non-payment, violation of terms, or fraudulent activity.

5. SMS Terms of Service
UPDATED 6/2025
IMPORTANT! PLEASE READ THESE HOME DEFENSE USA SMS TERMS AND CONDITIONS (“TERMS”) CAREFULLY BEFORE SIGNING UP FOR THE HOME DEFENSE USA TEXT MESSAGING PROGRAM. BY SIGNING UP FOR THIS TEXT MESSAGING PROGRAM, YOU AGREE TO ABIDE BY AND BE BOUND TO THESE TERMS, and you expressly consent to receive text messages, as applicable, from Home Defense USA, at the telephone number(s) that you provide.

5.1 Program Overview:
Welcome to the Home Defense USA SMS service! By opting in, you agree to receive periodic SMS messages from Home Defense USA. These messages may include alerts, updates, promotions, notifications or other relevant information related to our services.

5.2 Message Frequency:
Message frequency may vary. You may receive up to 10 messages per month from us.

5.3 Costs:
Standard message and data rates may apply. Please consult your mobile service provider for details on any fees that might be applicable.

5.4 Customer Support:
For assistance, please contact our customer service team via email at support@homedefense-usa.com or by calling 855-630-3394.

5.5 Opt-Out Instructions:
To stop receiving SMS messages from us, reply, “QUIT” or “STOP” to any message.

Upon receipt of your request, you will no longer receive messages from Home Defense USA.

5.6 HELP Information:
For additional information, text “HELP” to 805-557-8228 or contact us at 855-630-3394.

5.7 Terms and Conditions Updates:
We may update these terms from time to time. Any changes will be posted on our website, and your continued use of the service will signify your acceptance of these changes.

5.8 Privacy:
Your privacy is important to us. Please refer to our SMS PRIVACY POLICY for more information on how we protect your data.

Thank you for choosing Home Defense USA!

6. Privacy
Our Privacy Policy governs the collection and use of personal information. By using our services, you agree to the terms outlined in our Privacy Policy.

7. Changes to Terms and Conditions
We reserve the right to update these Terms and Conditions periodically. You will be notified of any material changes through our website or other means of communication.

8. Governing Law
These Terms and Conditions are governed by the laws of the State of Missouri. Any disputes arising under or in connection with these terms shall be resolved through arbitration in accordance with the rules specified in your contract.

9. Contact Information
If you have any questions or concerns about these Terms and Conditions, please contact us at 855-630-3394 and thank you for choosing Home Defense USA!

Privacy Policy
At Home Defense USA, we are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines the types of information we collect, how we use it, and the measures we take to safeguard your data.

1. Information We Collect
1.1 Personal Information
We may collect personal information when you interact with us, including but not limited to:

Name
Address
Email address
Phone number
Payment information
Home address and details
1.2 Non-Personal Information
We also collect non-personal information such as:

Browser type
IP address
Device information
Cookies and usage data
2. How We Use Your Information
2.1 Service Delivery
We use your personal information to provide home warranty services, process claims, and fulfill contractual obligations.

2.2 Communication
We may use your contact information to send important updates, newsletters, and promotional offers. You can opt out of these communications at any time.

2.3 Improving Our Services
Non-personal information helps us analyze trends, track user engagement, and enhance the quality of our services.

3. Information Sharing
We do not sell, trade, or otherwise transfer your personal information to third parties, except for the purpose of providing our services or as required by law. We do not share phone numbers with third parties for marketing or promotional purposes.

4. Data Security
We employ industry-standard security measures to protect your personal information. This includes encryption, secure socket layer technology (SSL), and regular security audits.

5. Cookies and Tracking Technologies
We use cookies and similar technologies to improve user experience and collect analytics data. You can manage cookie preferences through your browser settings.

6. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these sites. We encourage you to review the privacy policies of third parties.

7. Changes to the Privacy Policy
We reserve the right to update this Privacy Policy periodically. We will notify you of any material changes through our website or other means of communication.

8. Contact Information
If you have any questions or concerns about this Privacy Policy, please contact us at 805-557-8228.

By using our services, you agree to the terms outlined in this Privacy Policy.

Home Defense USA uses Accessibility Checker to monitor our website's accessibility.