Looking for the best home warranty for sewer lines?
Perfect, you’re in the right spot. In this guide, you’ll learn:
- Will a home warranty protection plan cover your sewer line replacement?
- Is a home warranty plan worth it for your sewer line?
- Does a home warranty company cover your sewer line repairs if there is a pre-existing condition?
- How soon can you use your home warranty coverage for sewer line repairs after purchase?
- What should you look for when choosing the best home warranty for sewer line coverage?
- What are the best home warranty providers for sewer line protection?
We’ve reviewed 68+ different home warranty companies to help you find the right plan for your sewer line. Below are our top picks specific to your state. Eager to learn more? Continue reading!
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Our Top Home Warranty for Sewer Lines Picks
Top 3 Home Warranties for Sewer Lines
|Company Name||Choice Home Warranty||American Home Shield||Select Home Warranty|
|Number of Plan Options||2 Plans||3 Plans||2 Plans|
|Monthly Plan Cost||$45 – $55||$35 – $65||$36 – $45|
|Reviews||Read Choice Home Warranty Reviews||Read American Home Shield Reviews|
Choice Home Warranty (Best Home Warranty For Sewer Lines)
Choice Home Warranty is the best home warranty plan for sewer lines. The sewer lines in a home are an essential system for the overall functionality of the house. Repairing and replacing sewer lines is a big and expensive project. Ensuring that you have some coverage over these issues is essential. Luckily, Choice Home Warranty offers it as an affordable add-on to any package. It is nearly impossible to find a home warranty policy that includes sewer lines and the septic system in their basic plan.
For an additional $120 per year or $10 per month, you can upgrade either the Choice Total Plan or Choice Basic Plan to include coverage for your sewer lines. The policy comes with a $500 limit on repairs. Although this may seem lower than the other policy limits in the Choice plan, it is still adequate coverage for a blockage or issue with the sewer lines. Select Home Warranty also offers the Septic System coverage, but the policy limit is only $400. With American Home Shield, the coverage is only available to first-time customers for one year.
Choice Home Warranty having the option for sewer line protection is essential, but there are other critical factors to this policy. Choice offers emergency service as part of both the Basic and Total Plan. If you have ever had an issue with your sewer lines or septic system, you know this qualifies as an emergency repair situation. The deductible for this septic system add-on will remain $85 like it is across the rest of the Choice Home Warranty. For a company that provides impressive customer service, a wide range of coverage, and essential add-on’s for its customers, Choice Home Warranty is the best home warranty company to consider.
As a new customer searching for a home warranty policy, it is critical to take advantage of any signup incentives. Choice Home Warranty offers $50 off the policy, one month free, and free cancellation for the first 30 days. Think of your $50 off as free sewer lines coverage for the first half of the year.
American Home Shield (Most Customizable)
American Home Shield is the Editors Choice for the best home warranty for sewer lines. The great thing about the American Home Shield policy is how easy it is to put the plan together and build it out, so it works perfectly for your home. With sewer, line coverage, it is critical to look at plumbing, plumbing stoppages, and toilet coverage as well. All of these are covered under the American Home Shield plans. When it comes to septic system coverage, you can simply add it to your first-year plan. The great thing about American Home Shield is that you will get high coverage limits of $1000 or over on all of these features. If you have a sewer line issue, chances are the $1000 will be enough to get you started towards a permanent fix.
The American Home Shield plan has been on the market for more than 50 years. Choice Home Warranty and Select Home Warranty have each been around for about ten years. The extra time spent on the market can help homeowners that have complicated issues with sewer lines. With a broad network of qualified service technicians and repair personal, AHS can get your sewer lines repaired in a timely manner. American Home Shield is a very easy company to work with, and they have high standards for customer service. Although they may be referred to as a more premium plan on the market, the money will be worth spending to have this plan in place.
American Home Shield does not always offer a bonus to sign up for their policy. However, today you can get $50 off the plan when you enroll. This is a good time to take advantage of this impressive sewer line coverage for your home.
Select Home Warranty (Most Affordable)
Select Home Warranty offers the most affordable sewer line coverage for your home. If you are worried about your budget and the cost of the overall protection for your home, this is the company to go with. Much like Choice and American Home Shield, the septic system coverage is an add-on for the Select Home Warranty plan. With Select, the cost is $69.99 a year to have your septic system covered. However, it is important to keep in mind that the Select Home Warranty system is also more affordable overall than any other plan on the market. Adding this extra cost will likely still have your monthly premium lower than other home warranty plans.
If your septic system or sewer lines should experience some kind of an issue, you will be responsible for a deductible or service fee to come out and repair the issue. With the Select Home Warranty plan, this fee is $65. With companies like American Home Shield sometimes charging close to $125, you can see how this is yet another great value coming from the Select Home Warranty plan. Between the easy sign-up and claim submittal process, the affordability, and the free roof leak coverage provide to all policyholders, the Select Home Warranty is a great choice to help protect your home.
Select Home Warranty also offers the best sign-up bonus on the market. For a limited time, you can get $150 off, two months free, and 30 days to cancel with no cancellation fee charged. There is no reason not to give Select Home Warranty a try with a savings incentive like this one.
Do Home Warranties Cover Sewer Line Replacement?
Most home service providers will cover sewer line replacement as part of their standard plumbing system protection plans. However, you might see this listed as “waste line” replacement on your contract.
Additionally, sewer line clogs and issues associated with build-ups in the vent, gas, water, or drain lines usually include any protection plan covering plumbing systems.
On the other hand, some home warranty providers offer sewer line protection as part of their septic system coverage, which is generally an optional add-on. With septic system coverage, you get protection for your septic tank, as well as any sewer lines or drain lines that run from your home into your tank.
Top 5 Best Home Warranty Companies For Sewer Lines
Is It Worth It To Have Your Sewer Line Covered?
A home warranty plan for your house’s sewer lines is worth it. Here’s why:
Sewer Line Clogs Are Fairly Common
Although we hope they never happen, sewer line clogs and breaks are more common than people might think. While many of us often focus on what would happen if our heating broke during the winter, or if our electrical wiring needed to be replaced, but a clogged sewer line is just as big of a nightmare.
In fact, anything from grease poured down a kitchen drain, to improperly disposed menstrual products, or too many “flushable” baby wipes can all cause a clogged sewer line. When this happens, you can end up with some not-so-nice-smelling water back-up into your bathroom or kitchen.
Needless to say, this is not a situation you want to find yourself in when you’re relaxing at home. This situation gets even more difficult if the sewer lines need to be replaced as you’ll need to bring septic repair specialists and excavators to your home to do the job.
But, a good home warranty plan can help give you the peace of mind you need to know that you’ll have help dealing with these issues if something unexpectedly goes wrong with your home’s sewer lines.
Best Home Warranty For Sewer Lines?
Choice Home Warranty is our top pick for homeowners looking for a sewer line coverage. Choice has more than 10 years of experience, extends support 24/7 and remove any stoppages sewer lines up to a 100ft distance from an access point.
Financial Protection From Big Repair Bills
Backed-up and broken sewer lines can be expensive to replace, sometimes costing upwards of a few hundred dollars just to fix a clog or a few thousand dollars to replace a section of piping. A home warranty service contract helps ensure that the cost of any covered repair service on your sewer, vent, gas, and water lines doesn’t fall on your shoulders.
Instead, your home warranty provider will pick up the tab and pay for the cost of unclogging or replacing your damaged sewer lines. That way, you can keep more money in your pocket while still staying on top of many home repairs.
Quick And Easy Repair Service
When you have a home warranty, you get not only financial protection but also simplified repair service whenever your home appliances or systems malfunction. With your plan, anytime your sewer lines need to be unclogged or repaired, you just need to submit a claim through your warranty provider’s support service line.
Then, after paying a small service fee, the company will send a qualified plumber to assess the damage, diagnose the problem, and repair any issues so your sewer line can be back in service right away. That means you can get prompt repairs on your home’s major systems with a quick service call instead of having to waste time searching for a contractor in your area that can come to your house in an emergency.
Covers What Homeowners Insurance Won’t
If you have a home insurance policy, you might be wondering why you also need a home warranty to protect your sewer lines. The answer is quite simple: Home insurance is designed solely to protect your home from a major disaster, like a flood, fire, earthquake, or hurricane.
However, it’s not created to offer you financial support if your home systems or appliances need to be repaired. On the other hand, that’s precisely what a home warranty is for. A home warranty will protect you financially from costly repairs on any of your plan’s covered items.
So, while homeowners insurance policies are a great way to protect yourself from a major catastrophe, a home warranty is a must-have if you also want coverage for repair costs caused by normal wear and tear.
Includes Coverage For Other Appliances And Systems
Most home warranty plans are not specifically for sewer lines. Instead, you’ll buy a plan that has sewer line coverage included, along with protection for other home systems and appliances.
Depending on your budget and specific needs, you might buy a comprehensive plan or “combo plan” that offers coverage for all of the most important items in your home, such as your heating system, ceiling fans, water heaters, dishwashers, cooktop, and garage door openers. This is generally the best option for people who want to maximize the amount of coverage on their homes.
Alternatively, you can opt for a “systems plan” which will cover just the major systems in your house. This generally includes your HVAC, electrical, and plumbing, as well as your sewer lines. Systems plans are a good choice for homeowners that want cost-effective coverage that doesn’t break the bank.
Regardless of what plan you choose, you’ll end up with home protection for much more than just your sewer lines. That way, you can feel confident that you’ll have help paying for repairs should anything malfunction in your house.
Would A Home Warranty For Sewer Lines Cover Pre-Existing Conditions?
In general, home warranties do not cover pre-existing conditions in sewer lines or any other home system. This is true if a qualified contractor could’ve easily spotted the issue through a simple visual inspection.
However, most warranty companies will still cover you financially if the pre-existing condition in your sewer line wasn’t obvious and wasn’t caused by a lack of routine maintenance.
To help ensure that your warranty will cover your repair bills, it’s often best to get a home inspection before starting your plan. That way, you can be confident that any issues that arise while you’re under warranty will be covered by your policy.
Additionally, it’s important to note that some companies require that any new plans that cover a home’s septic system undergo a septic system certification before the policy takes effect. So, if your sewer line coverage is part of your warranty’s optional septic add-on, then it’s worth reading the fine print on your contract to see what you have to do before the policy starts.
Want to learn more about septic system inspections? Check out this video below.
How Soon Can You Use A Warranty For Sewer Lines After Purchase?
Most home warranty providers have a waiting period in place between the time you sign a contract and when you can submit your first claim. This grace period is generally 30 days long.
However, if you already have a warranty repair plan and are just looking to switch policies or providers, many companies will wave this grace period. In these situations, so long as you can prove that you have had consistent coverage on your home, you’ll be able to make your first claim as soon as you finish signing your contract.
What To Look For When Picking The Best Home Warranty For Sewer Lines?
With so many great home warranty plans for sewer lines available to you, deciding on just one can be difficult. Here are the most important things to keep in mind as you’re shopping around:
The premium price, or the annual pricing for your coverage, is almost always going to be a factor in your decision-making, particularly if you’re on a tight budget. Ideally, you’d be able to find a plan that’s affordable and provides an exceptional amount of coverage for your sewer lines.
Basic plans, which cover essential systems and appliances, tend to be the most cost-effective for people that want better all-around coverage. On the other hand, systems plans will often have lower annual premiums but won’t protect your house’s appliances.
Comprehensive and combo plans will usually have a higher annual premium. But, this additional upfront cost is often well worth it for the added coverage that you get on your home.
Service Call Fee
The other main cost you have to keep in mind when shopping for a home warranty plan is the service call fee. Every warranty company will require that you pay a one-time call fee whenever you submit a claim.
In many ways, this service fee is similar to your copay at the doctor’s office. Of course, it’s ideal to have a lower service fee as this saves you money in the long run, particularly if you often need repairs on your home.
But, sometimes lower service fees come with higher premium prices. So, it’s important to weigh the pros and cons of both of these costs when purchasing a home warranty.
Included In Plan vs. Add-Ons
As we’ve mentioned, some companies offer sewer line protection as part of their “plumbing systems” coverage. Others will include this as part of their “septic system” coverage, which is usually an optional add-on.
Sewer line coverage that’s included with plumbing systems protection is usually more affordable, particularly if you weren’t planning on getting additional septic coverage anyway. Alternatively, if you did want septic coverage, too, the cost of the add-on might be well worth it for all the extra protection you get for your home.
Stoppage And Clog vs. Damage Coverage
Some home warranties for sewer lines will cover just stoppages and clogs, while others will also protect you from repair costs due to damaged lines. For complete coverage of your home, a plan that protects you from both stoppages and damage in your sewer lines is ideal, even if it means a slight increase in your annual premium.
Top Home Warranties For Sewer Lines Reviewed
To help you get the protection plan you need, here are our review of the best home warranties for sewer lines on the market today:
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor’s Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem
Service Plus Review
Why Do We Like Service Plus?
Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
Our Top Pick For A Home Warranty On Sewer Lines
If we had to choose just one home warranty plan to protect our sewer lines, we’d go with Choice Home Warranty. The company offers some of the most comprehensive coverage for sewer lines in the industry at some of the lowest annual rates. Plus, they won’t deny you coverage just because you own an older home.
Ultimately, what’s important is that you get the right home warranty for your house’s sewer lines for peace of mind for as long as you own your home.
If you live in Kansas, Texas, Oklahoma, or Iowa, a home warranty that includes sewer line coverage generally is considered by residents of these states. Check out our state pages for more recommendations based on your location.