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Top 5 Best Home Warranties For Sewer Lines (2022 Review)

Top Best Home Warranty Companies For A Sewer Line Review

A home warranty that covers 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. Finding the best home warranty company for septic systems will ensure protection of your home and offer you peace of mind. In our guide, we will give you the best information on . . . 

  • The best sewer line home warranty on the market
  • Home warranty that covers outside plumbing 
  • Why do you 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.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
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Our Top Home Warranty for Sewer Lines Picks

  # 1 Our Top Choice 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 and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.50
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Top 5 Best Home Warranty Companies for Sewer Lines:

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best home warranty plan for sewer lines. The overall features and impressive pricing of the 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 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 plan. To have the best coverage, it is essential to have both indoor and outdoor plumbing coverage. 

Pros

Cons

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 and Pricing 

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 the Choice Home Warranty are quite fair. 

Plans

Cost Per Month

Services Fee

Basic Plan

$42

$85

Total Plan 

$50 

$85 

Sewer Line Coverage

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. 

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable home warranty plan for sewer line coverage. The American Home Shield plan 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. 

Pros

Cons

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

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. 

Plan

Monthly Cost

Service Fee

Silver Plan

$45

$75-$125

Gold Plan 

$55

$75-$125

Platinum Plan

$79

$75-$125

Sewer Line Coverage

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. 

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 the 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. The 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.  

Pros

Cons

Great customer service

Some covered items have lower policy limits

Coverages and exclusions are clearly defined

 

High workmanship quality

 

Straightforward policy choices

 

Plans and Pricing

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. 

Plan

Monthly Fee

Service Fees

Gold Care

$41 

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Sewer Line Coverage

The sewer line coverage that you find from Select Home Warranty will be covered under the septic system coverage. The 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. 

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard is the best-reviewed home warranty company for sewer coverage. Liberty Home Guard has only been on the market for only two years, but during this time, they have managed to earn an A rating with the BBB. The Liberty Home Guard policy has standard coverage for plumbing stoppages, and there are add-on coverages for those looking to add septic pumping to their policy. Liberty Home Guard is a very easy home warranty company to work with, and the customer service has proven to be among some of the best in the industry. 

Pros

Cons

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 and Pricing

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. 

Plans

Monthly Fees

Service Fees

Appliance Guard

$40

$60

Systems Guard 

$45

$60

Total Home Guard

$49.99

$60

Sewer Line Coverage 

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.

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best home warranty company for those that need a quick repair to their sewer lines. The ServicePlus home warranty has some of the fastest services on the market, and they will do high-quality work, even with high speed. The ServicePlus home warranty offers septic coverage as part of its add-on coverage for $100 extra dollars per year. The service fees from ServicePlus are fairly priced, and they have one of the strongest networks of technicians on the market. 

Pros

Cons

Fastest home warranty service on the market

Sometimes emergency service will have an upcharge

Extensive network of service technicians

 

Quick and efficient work

 

Fair pricing

 

Plans and Pricing

ServicePlus Home Warranty keeps things simple with just two basic plans, the Gold Plan and the Platinum Plan. The Platinum Plan is the most comprehensive and offers more impressive plumbing coverage than the Gold Plan. Remember that when you are shopping for septic coverage for sewer lines, you will almost always be paying for an add-on or optional coverage. 

Plans

Monthly Fee

Service

Gold Plan

$42

$75

Platinum Plan 

$46

$75

Sewer Line Coverage 

The sewer line coverage from the ServicePlus home warranty will cover the jet pump and the sewage ejector pump. In addition, any clearing of stoppages necessary only the primary lines will also be covered. If excavation is needed, this is not a coverage offered by ServicePlus Home Warranty. Overall the coverage from this plan is fairly standard, except for the fact that they will respond faster than other companies. 

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 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.

Main Line 

In addition to the water line issues, there is typically covered for the main line and any lateral drain line stoppages. These are mostly covered up to 100 feet from the main access point. The main line 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. 

Exclusions

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 “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 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, 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.

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.

Are You A First-Time Buyer? Check Out This Article!

​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 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.

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.

​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 KansasTexasOklahoma, 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.


Our Top Picks Recap

  # 1 Our Top Choice 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 and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.50
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.10
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)

Home Warranty for Sewer Lines FAQs

Below are just some of the frequently asked questions we receive about home warranties for sewer lines.

Q.

Do home warranties cover sewer lines?

A.
Sewer lines are covered under home warranty plumbing coverage. You’ll see the coverage listed either as “sewer” or “waste line.” Most home warranties cover stoppages that occur in the sewer line as well. 

If you have a septic tank, you might also get coverage for the sewer line leading to it through optional septic tank coverage. Not all plans have such optional coverage, so you’ll want to shop around if that’s important to you.
Q.

Does Choice Home Warranty cover sewer lines?

A.
Choice does cover sewer lines in both their Basic Plan and their Total Plan.

Here is the coverage as described in their service agreement: “Leaks and breaks of water, drain, gas, waste or vent lines…” and, “Clearing of mainline drain and sewer stoppages through an accessible cleanout up to 100 feet from access point.”
Q.

Which home warranty offers the best coverage for sewer lines?

A.
With coverage available through both plans and a coverage limit of $3,000, Choice Home Warranty is the top choice for sewer line coverage. Here is a breakdown of the coverage limits of our top five picks:

Home Warranty Provider
 
Coverage $$ Limit
Choice Home Warranty
 
$3,000
American Home Shield
 
$1,000
Select Home Warranty
 
$500
Liberty Home Guard
 
$500
Cinch Home Services
 
$1,000
Q.

What does a home warranty cover?

A.
What should you expect from a typical home warranty? They are meant to cover common home appliances and/or systems against breakdown due to everyday wear and tear. 

Most Common Coverage


Systems
  • HVAC including ductwork
  • Plumbing system including stoppages
  • Electrical system
  • Water heater

Appliances
  • Refrigerator
  • Oven / Range / Stove
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

2. What some cover


Some home warranties will also include coverage for things like ceiling and exhaust fans, doorbells, and garage door openers.

Many providers offer optional coverage for items like pools and spas, well and septic pumps, and additional refrigerators or freezers - even additional HVAC units. 

3. What few cover


Some companies offer unique coverage that others don’t. For example, American Home Shield and Liberty offer coverage for home electronics. AHS will cover a guest residence on your property. Select Home Warranty is unique in offering roof protection as part of all their plans, not just as an option.
Q.

Is a home warranty for sewer lines worth it?

A.
Sewer line clogs and leaks are more common than you might think, and not something you want to be dealing with if you don’t have to. A home warranty offers financial protection from these unexpected and unfortunate occurrences. For peace of mind and keeping more money in your bank account, a home warranty for sewer lines is well worth considering.