Investing in a home warranty plan that covers plumbing issues is a wise choice for any homeowner. Your home’s plumbing system can experience common issues, such as a sewer line break or water damage. A home warranty makes repairing or replacing any part of your home’s plumbing system easier. Additionally, it gives you peace of mind when something goes wrong.
The This Old House Reviews Team has researched the best home warranty companies in the industry to help you find a provider that offers reliable and extensive plumbing system coverage. In this review, we compare coverage plans and pricing for our top-rated home warranty companies.
The Best Home Warranty Companies for Plumbing Coverage
The This Old House Reviews Team has named the following five companies as the best for plumbing protection:
- American Home Shield: Best for Comprehensive Coverage
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
- First American Home Warranty: Best Appliance Coverage
- America’s First Choice Home Club: Best for Customization
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Lifespan and repair cost data sourced from InterNACHI and Home Depot
What’s Covered?
A home warranty typically covers a plumbing system’s core components, which consist of the following:
- Drain lines
- Pipes
- Sewer lines
- Toilet components
- Valves
- Water lines
Home warranties also cover damage to plumbing components, including the following:
- Pipe breaks and leaks
- Plumbing line stoppages
- Sewer line and mainline clearing within your home’s foundation
Providers offer certain types of coverage, such as septic tank pumping, as an add-on to supplement your plumbing system protection. Additionally, home warranties cover home systems and major appliances.
What’s Not Covered?
According to the Federal Trade Commission (FTC), if a provider doesn’t list an item or component within its service contract, it likely doesn’t cover it.
There are several conditions or damages a home warranty provider won’t cover regarding your plumbing system. These include the following:
- Broken or leaking pipes caused by freezing
- Miscellaneous plumbing system components such as toilet lids
- Plumbing line stoppages caused by foreign objects or tree roots
- Sewer line and mainline clogs outside your home’s foundation
We recommend reading a provider’s fine print to understand its exact terms of coverage and exclusions.
Why You Should Cover Your Plumbing System With a Home Warranty
Not only can a home warranty protect your plumbing system, but it can also protect other important systems and appliances, such as your electrical system, heating, clothes washer, dryer, oven, well pump, pool, and spa.
According to our 2021 survey of 1,000 homeowners, over 51% of respondents said their most expensive home costs outside of their mortgage involved repairing or maintaining a system or appliance. Unlike homeowners insurance, which covers damage to your home from natural disasters, fire, or theft, a home warranty protects your most important home items.
Additionally, purchasing home warranty coverage prevents you from paying expensive out-of-pocket costs for unexpected repairs and replacements on home items caused by normal wear and tear. Having a home warranty also saves you from searching for a technician whenever you need a repair. Most home warranty companies have a network of experienced professionals who can repair or replace your broken system or appliance within two to three business days of receiving your claim.
Before deciding on a home warranty, we recommend requesting quotes from the providers listed in this review to help you compare pricing and coverage in your area. Read provider sample contracts to understand contract terms, conditions, and exclusions.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.