A home warranty for sewer lines will ensure that you always have the coverage you need for the running water in your home. If you want to ensure that you have a home warranty that covers outside plumbing, we have you covered. Sewer line insurance can guarantee peace of mind about expensive potential repairs or replacements of your home’s septic system. Finding the best home warranty company for septic systems and sewer lines will ensure the protection of your home. In our guide, we will give you the best information on . . .
- The best sewer line home warranty on the market
- Home warranties that cover outside plumbing
- Why you may need a home warranty
- The price of a home warranty for sewer lines
- And much more
Let’s take a look at the top five best home warranties for sewer lines and which ones you should consider purchasing for your home.
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Our Top Home Warranty for Sewer Lines Picks
Compare Top Providers for Sewer Line Warranties
Choice Home Warranty
American Home Shield
Select Home Warranty
NV, WA, WI
The Home Service Club
Best for Quick Coverage
Liberty Home Guard
Best Customer Service
Top 5 Best Home Warranty Companies for Sewer Line Coverage
- Choice Home Warranty (Best Overall)
- American Home Shield (Most Customizable)
- Select Home Warranty (Most Affordable)
- The Home Service Club (Best For Quick Coverage)
- Liberty Home Guard (Best Customer Service)
1. Best Overall: Choice Home Warranty
Choice Home Warranty is the best home warranty plan for sewer line insurance. The overall features and impressive pricing of Choice Home Warranty help to set it apart. In addition, both the Basic Plan and the Total Plan from Choice Home Warranty cover both systems and appliances. The sewer line warranty coverage is something that comes at an additional cost of around $10 per month. However, basic plumbing and septic are included as part of the plans. To have the best coverage, it is essential to have both indoor and outdoor plumbing coverage.
Both plans cover systems and appliances
Cannot put together a custom plan
Pricing is fair
Service fees are reasonable
The contract is straightforward to follow and understand
Plans, Pricing, and Coverage
There are two plans from Choice Home Warranty, the Basic Plan and Total Plan. Luckily for homeowners, even the Basic Plan has plumbing coverage that can help ensure that your bathrooms and kitchens are always functioning as they should. The pricing and service fee of Choice Home Warranty are quite fair.
Choice Home Warranty offers Sewer Line Coverage for an additional $10 per month on top of the standard policy. However, the plumbing coverage and septic system coverage that is included in the basic plan will do a pretty good job of taking care of issues that you may have in your plumbing lines or with your plumbing systems.
Take a deeper look at Choice Home Warranty’s protection plans:
- Basic Plan ($42 per month): There are 14 total covered items, including ceiling fans, cooktop exhaust fans, dishwasher, ductwork, garbage disposal, electrical system, garage door opener, heating system, oven, microwave, plumbing system, toilet, and water heater. The Basic Plan is a good choice for sewer lines because of the plumbing system coverage included under the plan.
- Total Plan ($53.33 per month): Although the Total plan is a bit more expensive, it has some essential coverages. There are 18 covered items under the Total Plan from Choice Home Warranty, and some of the most important appliances and systems are covered. This is the most popular plan that Choice Home Warranty offers.
- Optional add-ons: There are just a few optional coverages from Choice Home Warranty, and they include the basics like central vacuum, septic tank, sump pump, well pump, and the pool and spa. The add-on coverages will vary in price from around $5 a month to more than $20 per month.
Cost Per Month
What Customers Are Saying:
“The Claim was easy to submit and compared to other claims in the last 2 years, this one was filled pretty quickly and the Tech is scheduled to come out, less than 48 hours after the submission. Service has been very good on this claim, however as mentioned the tech hasn’t come out yet as I file this review- that will be the big test depending on how smoothly that goes.” Source
Read our Choice Home Warranty Review to learn more.
2. Most Customizable: American Home Shield
American Home Shield is the most customizable home warranty plan for sewer line coverage. American Home Shield has been on the market for 50 years. The time that American Home Sheild has spent in the home warranty industry has helped ensure that they can provide some of the best coverage for your home. In addition to adjusting the coverages that you get with your home warranty plan, you can also adjust the pricing that you pay. Sewer line coverage is available for the first year of your home warranty plan, but plumbing coverage and stoppages are part of a basic plan.
It has been on the market for 50 years
Price is a little higher than other plans
Easy to build out a custom plan
Plenty of add on options
Pricing can be customized as well
Plans, Pricing, and Coverage
There are three home warranty plans on the market from American Home Shield. Each of these plans is just a basic start from American Home Shield. Once you have this in place, you can then adjust the plan specifically to work for your needs.
The standard plan from American Home Shield will include coverage for mainline and drain line stoppages. In addition, you will have coverage for damage that may occur due to rust and corrosion. American Home Shield has some of the highest coverage limits for any home warranty policy on the market, and this will be important as sewer lines, and plumbing stoppages are expensive to repair.
Here’s a more detailed look at American Home Shield’s Plans:
- ShieldSilver™ ($45 per month): ShieldSilver is the most affordable of all the plans from AHS, and it has coverage for 14 key home systems. The plan covers air conditioning, electrical system, doorbells, garage door opener, water heater, ductwork, and more. The coverage caps associated with this plan are typically around $2500.
- ShieldGold™ ($55 per month): You will notice a big difference when you upgrade from ShieldSilver to ShieldGold. Homeowners will go from six total covered items to 23 systems and appliances. ShieldGold is a comprehensive plan and has a customizable service fee. For those looking for more than just sewer line coverage, and instead of a comprehensive plan, this is a great option to consider.
- ShieldPlatinum™ ($79 per month): ShieldPlatinum Plan has 27 covered items and very high coverage caps. This is one of the most premium home warranty plans on the market, but many homeowners choose this plan to have the coverage they need to have peace of mind as a homeowner.
- Optional add-ons: Remember that American Home Shield has one of the most customizable plans on the market. You can pick and choose your home warranty plans to match your needs. Some optional coverages include electronics, television, septic systems, and well pumps.
What Customers Are Saying:
“For fifteen years, we have worked with American Home Shield, and it has been an exceptional experience. Their response times and professionalism are a cut above.” Source
For more information, read our American Home Shield Review.
3. Most Affordable: Select Home Warranty
Select Home Warranty is the most affordable home warranty policy for sewer lines. The great thing about Select Home Warranty is that it has been an option on the market for nine years, and the pricing still remains fair. Homeowners that take advantage of Select Home Warranty are able to get both system and appliance coverage for a very fair price. All Select Home Warranty plans also come with free roof leak coverage. Select Home Warranty policy offers septic coverage as an add-on, and with the already fair pricing of Select, you will get a great deal.
Great customer service
Some covered items have lower policy limits
Coverages and exclusions are clearly defined
High workmanship quality
Straightforward policy choices
Plans, Pricing, and Coverage
There are three plans from Select Home Warranty. These three plans are Gold Care, Bronze Care, and Platinum Care. You will need to add the $69.99 coverage for sewer lines to your policy if you are interested in septic coverage.
The sewer line coverage that you find from Select Home Warranty will be covered under the septic system coverage. Select Home Warranty is one of the most affordable home warranty plans on the market, and this extra $69.99 per year will help your policy be more comprehensive as well.
Take a look at Select Home Warranty’s plan options:
- Bronze Care Plan ($41 per month): Select Home Warranty has some of the most affordable plans on the market. The Bronze Care Plan is an appliance-only plan that won’t make a great choice for sewer line coverage. The plan comes with coverage for seven appliances. These include garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer.
- Gold Care Plan ($41 per month): The Gold Care Plan is the system’s only home warranty plan. This plan does include plumbing systems that may have some sewer line coverage on the interior of the home. This plan is limited to just six systems. The systems covered are air conditioner, ductwork, electrical, heating, plumbing systems, and water heater. This is an affordable plan considering the cost to repair some of these key home systems.
- Platinum Care Plan ($47 per month): The Platinum Care Plan is the smartest home warranty choice from Select Home Warranty. The coverages included with this home warranty plan are comprehensive and include everything on the Bronze and Gold Care for just a few dollars more per month.
- Optional add-ons: There are just a few add-on coverages from Select Home Warranty, including pool, spa, septic system, lawn sprinklers, stand-alone freezer, central vacuum, well pump, and sump pump. However, all Select Home Warranty plans come with free roof leak coverage for the home.
What Customers Are Saying:
“I recently became a customer of this company. Shortly after signing up, I had several breakdowns in an investment home that I’m about to sell. Two of the items were not covered under the warranty. Nevertheless, I was called by senior supervisors at the company and told that they would reimburse me for a substantial portion of my out-of-pocket costs to do these repairs. Specifically, Jermel authorized payment of more than 2/3 of an expensive repair that was not covered under the warranty that I have. This company is head and shoulders better than my previous company, which will remain unnamed but goes by three letter initials beginning with A. I highly recommend selecting home warranty.” Source
For more information, read our Select Home Warranty review.
4. Best for Quick Coverage: The Home Service Club
The Home Service Club offers the best for quick coverage of sewer lines. Leaving your plumbing system and in-home sewer lines without coverage is not a good idea. Homeowners that want to ensure they have quick and impressive coverage for these areas of the home can look to The Home Service Club for help. This home warranty plan will start after just a 10-day waiting period. Most home warranty companies have homeowners wait 30 days before coverage will start. The Home Service Club has an impressive history in the industry, with 13 years of experience. In addition, the coverage choices from The Home Service Club are comprehensive; you can expect this company to help you with much more than just sewer lines.
Policy starts in just ten days
No cheap plan option with limited coverage
Both plans are comprehensive
Strong history in the industry
Great customer service
Plans, Pricing, and Coverage
There are two The Home Service Club home warranty plans to choose from. The Standard Coverage has about 18 covered appliances and systems and a lower monthly price. Comprehensive coverage has about ten more covered items and a slightly higher than average monthly fee. The service fee from The Home Service Club is customizable, and you will set it at the time you purchase your home warranty policy.
Sewer line coverage from The Home Service Club is good. Still, it will only cover the issues within your home. Once the sewer line passes out of the foundation of your home, the coverage will stop. The Comprehensive plan would be the better choice here because it has coverage for plumbing stoppages in addition to the coverage for plumbing systems. Overall, sewer line coverage is tricky to find coverage for, but with the Comprehensive Plan, homeowners can have some peace of mind.
Take a more detailed look at The Home Service Club’s home warranty plans:
- Standard Coverage ($50 per month): The Standard Plan from The Home Service Club has 18 covered items. The coverages include air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. Most homeowners choose this plan because of the wide range of coverage for a fair price.
- Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club takes the Standard Plan and increases the coverage by about ten items. There are a total of 33 covered items under The Home Service Club home warranty. The extra coverages include things like gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more.
- Optional add-ons: The add-on coverages from The Home Service Club are quite good. There are 12 additional or add-on coverages as part of their home warranty plan, and the pricing is fair for all of these options. The add-ons include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more.
What Customers Are Saying:
“The people at HSC are very mindful of their clients’ time. They do their repairs very fast, less time for stress with me and more time for them to save other people and houses! I had my ceiling fan repaired just this morning and it was pretty smooth sailing from the moment I called until the evaluation at the end.” Source
Read our The Home Service Club Review to learn more.
5. Best Customer Service: Liberty Home Guard
The Liberty Home Guard is the best home warranty for customer service. Knowing that other homeowners have had a positive experience with Liberty Home Guard should make it quite a bit easier to invest in this home warranty plan. With just over two years in the industry, Liberty Home Guard has managed to earn an A rating with the BBB. The Liberty Home Guard plan is known for its add-on coverages that will help protect against unique systems and appliances that you may have in your home. Liberty Home Guard has three plan choices, and two out of three will have some sewer line coverage.
BBB rating of an A
Plan add on options will increase overall pricing
Very fair overall pricing
60 Day workmanship guarantee
A long list of add on coverages
Plans, Pricing, and Coverage
There are three home warranty plans to choose from when you decide to go with Liberty Home Guard. The Total Home Guard is going to have the most plumbing coverage for stoppages. Overall the deductible from Liberty Home Guard is quite fair, giving homeowners an excellent value for their plan.
There is no coverage for repairing sewage ejector pumps, and the add-on, coverage for septic pumping has a low coverage limit. However, for any of the standard plumbing stoppages that occur 100 feet of an access point, you will be well covered with the Total Home Guard policy. With a $60 service fee, even if you run into an issue, Liberty Home Guard has you covered.
Here’s a more detailed look at Liberty Home Guard’s plans:
- Appliance Guard ($69.99 per month): The Liberty Home Guard Appliance Guard has a total of 11 covered appliances. This is not the plan to choose for sewer lines. The coverages will be a refrigerator, cooktop exhaust fan, ceiling fans, dishwasher, oven, clothes dryer, clothes washer, garage door opener, microwave, garbage disposal, and refrigerator ice-maker.
- Systems Guard ($74.99 per month): The systems included in this Systems Guard plan are air conditioner, electrical system, bath exhaust fan, ductwork, heating system, plumbing and plumbing stoppages, toilet, and water heater. The plumbing and plumbing stoppages coverage will come in handy for those interested in sewer line coverage.
- Total Home Guard ($79.99 per month): The Liberty Home Guard Total Home Guard plan is the best option because of the mix of system and appliance coverage. The pricing is just a few dollars more than the Systems plan, but it has a total of 20 covered items. This is a premium-priced policy, but one that many homeowners find gives them tremendous peace of mind.
- Optional add-ons: Liberty Home Guard has one of the most extensive lists of add-on coverage on the market. Some of these coverages are rare, like re-key service, pest control, gutter, floor cleaning, lawn sprinklers, and wine refrigerators. If your home has unique systems and appliances, the LHG add-on coverages are the best.
Total Home Guard
What Customers Are Saying:
“Got a quote from Liberty Home Guard for a home warranty. Eric answered all of my questions and was patient with me in understanding what I needed in a Home Warranty. I am awaiting other quotes to make up my mind but Eric’s customer service was very good.” Source
Read more at our Liberty Home Guard Review.
What to Expect from a Sewer Line Warranty
When you look at coverages that are included with a home warranty plan, one of the things that will stand out as confusing and unclear is the plumbing and sewer line coverage. As you can imagine, fixing a microwave is pretty much standard across the industry. However, when it comes to sewer lines, things are not so clear.
Many home warranty companies will cover sewer lines under the additional septic coverage and not as part of the plumbing coverage that is typically included with a home warranty plan. No home warranty plans do a perfect job with sewer line insurance coverage; however, there are some great options out there.
Here are a few things you can expect from sewer line coverage from the top home warranty companies on the market.
Water Line Issues
Most of the time, water line issues, break, and stoppages are considered to be part of the standard home warranty plumbing coverage. If you experience breaks, stoppages, and issues not intentionally caused by the residents within the main foundation of the home, the home warranty should cover it.
In addition to the water line issues, there is typically covered for the mainline and any lateral drain line stoppages. These are mostly covered up to 100 feet from the main access point. The mainline coverage will still be subject to the same service fee as the waterline issues, even though this is typically a bigger problem.
Septic Tank Pumping
Septic tank pumping is more of a service than a warranty, but many home warranty companies will offer this service as an extra that can be included with the plan. Having the septic tank pumped once annually will often help to ensure that you are maintaining your septic tank properly and keeping the issues away.
Septic Tank Systems
Septic tank systems are also add-on coverage for most policies. These coverages will also include things like a jet pump or sewage ejector pump. Coverage for this will typically run anywhere from around $50 a year to $150 a year.
As great as home warranty coverage for sewer lines can be, there are times when the exclusions will likely catch you by surprise. Most of the time things like leaks or stoppage outside the main foundation, the septic tank chemical cleanout, or even damage due to roots or freezing will not be covered.
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 a “waste line” replacement on your contract. Sewer line replacement can get expensive, so be sure to check the annual coverage limit on your
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.
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, 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.
Does a Home Warranty Cover Outside Plumbing?
Yes–most home warranty providers offer sewer line insurance coverage, which is insurance on outside plumbing lines. However, it is usually offered as an add-on option by most providers and is not included in your regular home warranty policy. Providers like The Home Service Club offer an exclusive add-on option that specifically covers outside utility lines. HSC’s is called the Utilities and The Home Service Line Coverage Package, and it covers the outside gas, water, and sewer line, plus the sprinkler system.
If you’re looking for a home warranty that will cover outside sewer lines, be sure to look through the coverages that can be added after you choose a plan.
What is the Best Home Warranty for Sewer Lines?
Choice Home Warranty is our top pick for homeowners looking for sewer line coverage. Choice has more than 10 years of experience, extends support 24/7, and removes any stoppages in 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.
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.