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 Picks Overview
What's In This Guide?
Owning a home comes with a whole lot of benefits, but it can be a pretty expensive and time-consuming endeavor when things don’t quite go according to plan. As a homeowner, you’re responsible for the cost of repairing major systems and appliances in your house, such as your heating, air conditioning, and electrical systems.
However, all these repair costs can add up over time, leaving you with a hefty bill to pay out of pocket. This is especially true when it comes to your septic system and your plumbing system, both of which can easily rack up thousands of dollars in maintenance fees each year.
Sewer line malfunctions are one of the most expensive issues that people deal with in their homes. Since they’re “out of sight and out of mind,” homeowners often forget about this critical aspect of their house. So, when sewer line clogs arise, the resulting bill can be quite a shock.
With a home warranty plan, you can get financial coverage for plumbing stoppages within your home’s sewer lines. This means more peace of mind in your day to day life and protection from major repair costs.
But, finding the right home warranty plan can be tricky, particularly for something as important as a sewer line. To get you started, we’ve created this guide to everything you need to know about the best home warranty protection plans for sewer lines on the market today.
Do Home Warranties Cover Sewer Line Replacement?
Most home warranty companies 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 any 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, and garage door openers. This is generally the best option for people who want to maximize the amount of coverage on their home.
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 amount that you pay annually 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
Total Home Protect Review (Best For Larger Systems)
Why Do We Like Total Home Protect?
Total 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 Total Home Protect 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, Total Home Protect 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)
First American Home Warranty Review (Best Customer Service)
Why Do We Like First American Home Warranty?
First American Home Warranty made our list as a home warranty with above average customer service mixed with in with a decent price point.
The only drawback was that they aren’t nationwide lacking coverage in the following states: ND, MN, WI, IL, NY, VT, NH, ME, MA, CT , RI , DE, AL, HI, LA.
Their plan options include a “Basic“ plan, which only covers appliances and will run you about $28 per month. Their combo plan, which covers major systems and appliances branded the “Premier” plan costs around to ~$43 per month.
Overall a good home warranty provider, but just lacking the coverage, which would have helped make a better case for “best overall home warranty company”.
Policy On Pre-Existing Issues or Older Units?
Again, all of the home warranty providers seem to have adopted a similar policy in that they cover “old” appliances and systems 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!
- Great Customer Service (B+ BBB Score)
- Online Chat Support
- Not Available In 15 States
- Can’t Choose Your Own Contractor
FAQs for A Home Warranty On Sewer Lines
Do home warranties cover sewer lines?
Does Choice Home Warranty cover sewer lines?
Which home warranty offers the best coverage for sewer lines?
Home Warranty Provider
Coverage $$ Limit
Choice Home Warranty
American Home Shield
Select Home Warranty
Liberty Home Guard
Cinch Home Services
What does a home warranty cover?
Most Common Coverage
- HVAC including ductwork
- Plumbing system including stoppages
- Electrical system
- Water heater
- Oven / Range / Stove
- Clothes Washer
- Clothes Dryer
- Built-in microwave
2. What some cover
3. What few cover
Is a home warranty for sewer lines worth it?
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 or 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.