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Top 5 Best Home Warranties For Sewer Lines (2020 Review)

Top Best Home Warranty Companies For A Sewer Line Review

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!


Our Top Picks Overview

  # 1 Choice Home Warranty
Editorial Rating 97.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.80
  • $100 off + 2 months free
  • $0 transfer fee
  • Good selection of plans
  • High contractor professionalism
  • Quick replacement payments
  • First 30 days: Free cancellation
  # 4 Total Home Protection
Editorial Rating 95.20
  • $100 off + 2 months free
  • Comprehensive coverage plans
  • Emergency service available
  • 1 day to submit claim
  • Limited availability (6 states)
  # 5 First American Home Warranty
Editorial Rating 94.90
  • Best Customer Service 2020
  • Large and established
  • Plans from $25/m
  • Automatically renewed policy
  • Limited selection of extra coverage

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.

​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.

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

Broken sewer pipe

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.

home warranty for sewer lines facts

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.

Read Also: What Are The Top Appliance Home Warranty Coverage Plans?

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:

Premium Price

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.

Sewage hole outside a home warranty owners 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.

Read Also: What Are The Real Costs Of 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

Choice Home Warranty is one of our favorite options for protecting your sewer line because they offer this coverage as part of both their basic and total plans. 

The company will protect you from leaks and breaks of your sewer, drain, vent, water, and gas lines in your home. They will also remove any stoppages or logs in your drain and sewer lines up to a 100ft distance from an access point.

With Choice Home Warranty, this protection is included as part of their plumbing coverage, which you can get in any of their plans. This means that you don’t have to spend extra on optional add-ons when you can get the same coverage with an affordable annual premium.

Besides their affordable annual premium and good sewer line coverage, we also like Choice Home Warranty because of their low service fees. The company also won’t deny you coverage just because your home or your systems are old.

Finally, they have a great 24/7 call center that can help you submit a claim at any time of day. You can also file a claim online for prompt service on your home.

Read Our Full Review of Choice Home Warranty

Pros:

  • Breaks, leaks, and stoppages in sewer lines included in all plans
  • Affordable annual premiums for sewer line coverage
  • Low service fees

Cons:

  • No option to customize your own plan

​American Home Shield

American Home Shield is one of the industry leaders when it comes to protection for home sewer lines. Sewer line coverage is included in their systems and combo plans as part of their plumbing protection.

The company will protect you from leaks and breaks of gas, drain, water, vent, and sewer lines. They will also cover the clearing of any stoppages in your drain and sewer lines up to 100 feet from an access point, even if it’s through a concrete wall or floor.

Additionally, American Home Shield allows you to include protection for your sewer line in their “build your own plan.” With their Build Your Own Plan, you can choose up to 10 different systems or appliances to customize the coverage on your home.

Another key benefit of American Home Shield’s plans for sewer lines is that they allow you to choose your own service fee. That means you can opt for a slightly higher upfront premium for bigger cost savings down the line. They also have a great list of optional coverage items for septic, pool, and spa for added home protection.

Read Our Full Review of American Home Shield

Pros:

  • Covers stoppages, leaks, and breaks in sewer lines under both systems and combo plans
  • Option to build your own plan or choose optional septic coverage
  • Ability to choose your own service fee

Cons:

  • Annual premiums are higher than most other options

​Select Home Warranty

Select Home Warranty offers two different plan options that can help protect your home’s sewer lines. Under their Gold Systems Plan and their Platinum Combo Plan, you get protection from leaks, breaks, and clogs in your sewer, water, drain, and vent lines up to 100 feet from an access point.

Select Home Warranty is a popular choice because they have affordable annual premiums despite their comprehensive coverage options. They also have low service fees to help you stay on budget with home repairs.

​Additionally, one of the biggest benefits of a Select Home Warranty plan is that they allow you to choose your own repair technician. That way, if you have a local contractor in your area that you already know and trust, you can still get their help when something goes awry at home.

Read Our Full Review of Select Home Warranty

Pros:

  • Protection for leaks, breaks, and clogs in sewer lines under gold and platinum plans
  • Affordable annual premiums and low service fees
  • Allows you to choose your own repair technician

Cons:

  • No option to build your own plan

​Total Home Protection

Total Home Protection offers sewer line coverage under both their gold and platinum plans.

With their two plan options, you get coverage on any breaks, leaks, and stoppages in water, gas, drain, vent, and sewer lines up to 100 feet from an access point. Their plans also provide comprehensive coverage for other aspects of your home, including your HVAC, electrical, and major appliances.

Additionally, they have a great list of optional add-ons, including protection for your septic system, septic plumbing, sump pump, and well pump. The company also boasts low annual premiums and affordable service fees.

Finally, Total Home Protection offers emergency repair service under both of their plan options. That way, you can get quick repair help whenever something goes wrong with your home’s sewer lines.

Read Our Full Review of Total Home Protection

Pros:

  • Coverage for breaks, leaks, and clogs in sewer line with either gold or platinum plans
  • Great list of additional coverage items
  • Emergency repair service available

Cons:

  • Coverage limitations in certain states

​First American Home Warranty

First American Home Warranty is a solid choice for homeowners that want cost-effective coverage for their house’s sewer lines. The company offers protection for sewer lines under their premier plan.

With First American Home Warranty, you get coverage for leaks, breaks, and clogs in your drain, water, gas, vent, and sewer lines up to 125 feet from an access point. Their premier plan also includes protection for most of your home’s major systems and appliances, including kitchen appliances, heating, and electrical.

First American Home Warranty is a favorite among homeowners because they have some of the lowest annual premiums on the market, even on their premier plan. However, they don’t skimp on quality.

Plus, for anyone that thinks they might sell their home in the future, First American Home Warranty offers a nice selection of upgrade options for the real estate process. That way, you can protect your home from the time you put it on the market to the time you close for a better overall resale value.

Read Our Full Review of First American Home Warranty

Pros:

  • Protection against breaks, leaks, and clogs in sewer lines up to 125 feet from an access point
  • Low annual premiums and affordable service call fees
  • Protection upgrades available if you sell your home

Cons:

  • Sewer line coverage is only included in the premier plan

​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.

Choice Home Warranty Is The Best Coverage For A Sewer Line