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Top 5 Best Home Warranties For Septic Systems (2022 Review)

Top Best Home Warranty Companies For Septic System Review

Sudden and costly septic system repairs and replacements aren’t usually something that the average homeowner can afford or is prepared for. Avoid the hassle and worrying of home headaches and get a home warranty. A home warranty protects your home’s systems and appliances, and even better your septic system. If you’re looking for the best home warranty for septic system coverage, read on.

In this guide you’ll learn:

  • Do home warranties actually cover septic system replacement?
  • Is a home warranty worth it for septic systems, and what about pre-existing conditions?
  • What should you look for when buying your policy?
  • Our Top Picks For Home Warranties That Cover Septic Systems
  • And Much More!

We’ve reviewed 68 different home warranty companies, and below are our top picks for septic system coverage specific to your state. Want to learn more about each? Continue reading!

Top PicksSeptic System Replacement?Is A Home Warranty Worth ItPre-Existing ConditionsWhat To Look For 

Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer


Our Top Home Warranty for Septic Systems Picks

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $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 98.00
  • 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 97.60
  • $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 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market

Compare Top Providers for Septic System Coverage

Provider

Visit Site

Best For

Monthly Costs

Service Fees

BBB Rating

States Available

Choice Home Warranty

Visit Site

Best Overall

$36-$44

$60-$85

B

WA

American Home Shield

Visit Site

Most Customizable

$40-$70

$40-$70

B

AK

Select Home Warranty

Visit Site

Most Affordable

$36-$50

$36-$50

C

NV, WA, WI

The Home Service Club

Visit Site

Best for Quick Coverage

$50-$63

$65-$125

NA

 

Liberty Home Guard

Visit Site

Best Customer Service

$40-$60

$60

A

WA, WI

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty for septic systems. Although the septic system comes as an add-on or additional coverage, this is quite common with home warranty plans. Choice Home Warranty has been on the market for close to 13 years, and it is well known for its customer service and overall fair pricing. They have one of the simplest contracts on the market and make it incredibly easy for homeowners to see exactly what is covered under their home warranty plan. The Choice Home Warranty is a perfect option for those that have never had septic system coverage for their home. 

Pros

Cons

Comprehensive plan options

No option to build out a custom plan 

Simple contract

 

Fair pricing for monthly and service fees 

 

Free cancellation for the first 30 days 

 

Plans, Pricing, and Coverage 

There are two plans from Choice Home Warranty the Basic Plan and the Total Plan. Each of these plans has a mix of system and appliance coverage, making them an excellent choice for a homeowner who can’t decide between systems and appliances. The septic system coverage is an excellent option for homeowners, and it will only cost an additional $10.00 per month. The septic system coverage has a coverage cap of $500, but the majority of appliances and systems from Choice Home Warranty are $3000. 

Here’s a more detailed look at CHW’s plan options:

  • Basic Plan ($42 per month): The Basic Plan is the best value home warranty plan from Choice Home Warranty. This is a great starter plan and a smart choice for those that have just purchased a home. The Basic Plan covers the plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. 
  • Total Plan ($53.33 per month): The Total Plan is the most comprehensive option from Choice Home Warranty. The coverages included with the Total Plan help add value to your paying price. Additional coverages include the clothes washer, dryer, refrigerator, and air conditioner coverage. The septic system is not covered under the Total Plan. 
  • Optional add-ons: Choice offers nine optional coverages, including roof leaking, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. These add-on coverages vary in price; septic systems run at about $10.00 per month. 

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying: 

Choice home warranty takes the time to listen to the problem and send it right away to whatever technician who informed you the date and time they’ll show up I am very pleased of their services thank you” – Source

Read our Choice Home Warranty Review for more information

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for septic systems. American Home Shield has had more than 50 years of industry experience, and they know what customers need when it comes to their septic systems and coverage. An American Home Shield plan is considered a premium plan, but the septic system coverage is quite reasonably priced. With American Home Shield, you can build out a unique home warranty plan that exactly fits your home’s needs. In addition, homeowners can pick and choose the service fee to match their individual needs and budget. American Home Shield stands out as one of the best with the high claim approval statistics and impressive overall reputation.  

Pros

Cons

More than 50 years of industry experience 

Considered to be a more premium home warranty policy

Can build out your custom plan and customize pricing

Some of the policy choices are priced a bit higher 

Impressive customer service 

 

Plenty of add on coverage choices 

 

Plans, Pricing, and Coverage 

American Home Shield has three plans to choose from. The plans are rather straightforward, with ShieldGold being one of the most popular on the market. None of American Home Shield home warranties comes with septic system coverage as it is an add-on that must be included for about $5.00 extra per month. This is a very low cost, but it is only available to first-year home warranty customers. Once you have had the plan for a year, you will lose your septic system coverage. 

Take a closer look at AHS’s protection plan options: 

  • ShieldSilver™ ($59.00 per month): ShieldSilver is the most basic plan from AHS. The plan offers coverage on 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener, heating system, plumbing, and ductwork. Although this is a system-only plan the systems are important ones, and you can easily add septic system coverage to this plan. 
  • ShieldGold™ ($69.00 per month): ShieldGold is a unique option that is a mix of value and coverage. ShiledGold is a comprehensive plan covering both systems and appliances. This plan covers 23 systems and appliances, including many offered on ShieldSilver, plus clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. This is the most popular plan from American Home Shield because of the value that it provides customers. 
  • ShieldPlatinum™ ($79.00  per month): ShieldPlatinum is the most comprehensive home warranty plan on the market. The plan covers a total of 27 systems and appliances, including the 23 items covered in ShieldGold plus disposal, water dispenser, locksmith, and free roof leak coverage. ShieldPlatinum is expensive. However, many homeowners feel that this policy gives them peace of mind about their homes. 
  • Optional add-ons: There are six additional coverages offered by AHS, including the septic system, pool, spa, PC, TV, and well pump coverage. The septic system coverage is the most affordable of all add-on coverages. 

Plans

Cost Per Month

Service Fee

ShieldSilver

$59.99

$75 – $125

ShieldGold

$69.99

$75 – $125

ShieldPlatinum

$79.99

$75 – $125

What Customers Are Saying

Washer has been replaced and oven has been repaired all in a very timely manner. Customer service from AHS and companies that did the replacement and repair was great.” – Source

Read our American Home Shield Review for more information.

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty for septic systems. As you have likely seen, septic systems are usually considered extra under a home warranty policy. With Select Home Warranty, this is also the case, but the overall pricing is quite fair. Select Home Warranty has been on the market for close to ten years, and they have always been known for their affordability and workmanship. With a Select Home Warranty plan, you will get free roof leak coverage, a value that is likely going to save you at least $10 per month. In addition, the Platinum Plan from Select Home Warranty is a great comprehensive option offered at a very low price. 

Pros 

Cons

Impressive customer service

Some of the covered items have lower policy limits

Combo plan is one of the best on the market

Not always the best plan for high-end appliances and systems

High workmanship quality 

 

One of the most comprehensive plans on the market 

 

Plans, Pricing, and Coverage 

The three Select Home Warranty policies for homeowners include the Gold Care plan which covers appliances, Bronze Care plan, which covers systems, and the comprehensive combo Platinum Care plan. The septic systems coverages are an add-on that will cost $70 per year. This is very affordable as it also comes with a $400 coverage cap. Overall, homeowners are quite pleased with the broad range of coverage options from Select Home Warranty; the only issue is slightly lower coverage caps for some appliances and systems. 

Take a detailed look at Select Home Warranty’s plan options:

  • Bronze Care ($41 per month): There are two value-type plans from Select Home Warranty. The first is the Bronze Care plan which covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. This is a great option for a homeowner on a budget. Appliances break down quite often, and you will get good use of this policy. 
  • Gold Care ($41 per month): Gold Care is very similar to Bronze Care, except it offers only systems coverage. The Gold Care plan covers six major systems, including plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork.
  • Platinum Care ($47 per month): Platinum Care is a combination plan that has all the coverages of Gold Care and Bronze Care combined. This is by far the best option from Select Home Warranty, and for just a few dollars more per month, it is a really great home warranty plan. 
  • Optional Add-Ons: There are several optional add-ons, including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. Septic system coverage is just $70 per year. 

Plans

Cost Per Month

Service Fee

Gold Care

$41

$60

Bronze Care

$41

$60

Platinum Care

$47

$60

What Customers Are Saying

I had an electrical issue that needed immediate resolution, I called SHW’s claim department and within 10 minutes they had a vendor calling me to make a service appointment. D Blake Electric and Refrigeration responded within 2 hrs and resolved the issue, my thanks to both SHW and D Blake for outstanding service..” – Source

For more information read our Select Home Warranty Review.

4. Best for Quick Coverage: The Home Service Club 

The Home Service Club has the best quick coverage for septic systems. With The Home Service Club home warranty, you will pay for your policy and have coverage just ten days later. Most home warranty plans will not have coverage start for at least 30 days. This quick coverage can really help with things like septic systems and other issues around your home. The Home Service Club home warranty has been on the market for a little over 13 years, making it one of the leaders in the industry. The Home Service Club is known for great customer service and impressive overall coverage for homeowners. 

Pros

Cons

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 18 covered appliances and systems, while the Comprehensive Plan has 33. The septic system is not a direct add-on coverage from The Home Service Club. Instead, you can get a few different coverages that will help cover any of your sewage and plumbing needs. Homeowners can add a sewage ejector pump coverage for just $59 per year and then coverage of the outside sewer lines for $199 per year. The Home Service Club has tremendous coverage options, and most coverage caps are between $500 and $2500. 

Take a more detailed look at The Home Service Club’s home warranty plans:

  • Standard Coverage ($50 per month): The Standard Plan is the most basic option from The Home Service Club. There are 18 covered items under the Standard Coverage plan, and they include all major systems and appliances. This Standard Plan has coverage for air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  Considering this is the standard plan, the overall coverage is quite impressive. 
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan has a total of 33 coverages. This is about fifteen more coverages than the Standard.  Some of the extras included in the Comprehensive Coverage include 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 extensive. There are 12 additional or add-on coverages as part of their home warranty plan. The add-ons include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. The coverages will range in price, but adding several of them will greatly impact the overall plan pricing. 

Plans

Monthly Fees

Service Fees

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying:

The Home Service Club contractor came to investigate what was wrong with the air conditioner. What I particularly liked about this repairman was the fact that he worked quietly. He only spoke to explain to me what caused the problem and after he was done, to show that the unit was working normally again..” Source

Read our HSC Review to learn more.

5. Best Customer Service: Liberty Home Guard

Liberty Home Guard offers the best customer service for septic system home warranty coverage. Liberty Home Guard has only been on the market for two years, but they have managed to earn an A rating with the BBB. This is something that does not happen for many home warranty companies. The great thing about Liberty Home Guard is that it has a wide range of coverages, and the coverage caps are fairly priced. In addition, the add-on coverages, including septic systems, are extensive. 

Pros

Cons

BBB rating of an A

Optional plan choices tend to be priced a bit high

Quick response times to inquiries and claims

To get a very comprehensive policy, the price increases considerably 

Easy to get in touch with

 

60 Day workmanship guarantee

 

Add-on coverage list is very extensive 

 

Plans, Pricing, and Coverage 

The three Liberty Home Guard plans, include Appliance Guard, Systems Guard, and Total Home Guard covering both appliances and systems. The septic system coverage is extra, and it will cost about $130 a year. This comes with a $500 coverage cap that should be enough to cover any septic system issues that you should come across. Most of the time, the coverage caps from Liberty Home Guard are around $1500. In addition, the service fees from this plan are very fairly priced. 

Here are more details on Liberty Home Guard’s plans:

  • Appliance Guard ($69.99 per month): Appliance Guard is the most basic and affordable LHG plan. The plan covers 11 significant appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. 
  • Systems Guard ($74.99 per month): Systems Guard offers coverage on nine systems, including the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing, plumbing stoppages, and water heater. Systems are expensive to repair and replace, and many homeowners are happy to take advantage of this great coverage. 
  • Total Home Guard ($79.99 per month): Total Home Guard is the only combo plan from Liberty Home Guard, and it includes both appliance and system coverage. The plan has a total of 20 covered appliances and systems. This is the most popular plan for homeowners. 
  • Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons, including some unique ones such as gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. The septic system coverage is just one of the many things that can be added to this policy. 

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$60

Appliance Guard

$74.99

$60

Total Home Guard

$79.99

$60

What Customers Are Saying: 

I spoke with Freddy Summers today who welcomed me as a partner with Liberty Home Guard, and genuinely appreciates the work that we perform as technicians. They are an honest company that has helped improve my business and provide for my family. Looking forward to future success with LHG!” – Source

Read our Liberty Home Guard Review for more information.

Do Home Warranties Cover Septic System Replacement?

While replacement of the entire system is not what home warranties are for, when you opt for septic system coverage, the right home warranty will cover repairs and replacements of key components that your home can’t function without.

So if something goes wrong short of a total system failure, that is where a home warranty can be a big help.

Do research like you are doing right now to find out which home warranties cover septic system replacement. If you are purchasing a home, ask questions of the realtor if you are moving into a home with a septic system. Some home sellers offer a home warranty as an incentive to purchase but read the fine print to make sure the warranty they have does cover septic system components.

Bottom line: Replacement of your entire septic system is not something you should expect from a home warranty. So, the short answer is no, but there is more to it than that. Replacement of a septic system can cost tens of thousands of dollars, putting the risk squarely with the home warranty company. 

What Coverage Should You Expect on Your Septic System?

In most protection plans, septic warranty coverage options should include the following parts:

  • Sewage ejector pump
  • Jet pump
  • Aerobic pump
  • Septic tank
  • Sewer lines

Some warranties even cover septic system pumping, so look for that as an option as well. 

Coverage for septic systems will almost certainly be an add-on, so don’t take it for granted if home warranty coverage automatically includes septic. As with other home warranty coverage, a service fee will likely be charged, but reputable companies will be very upfront about those kinds of fees. 

septic tank system home warranty

Is A Home Warranty Worth It For Septic Systems?

When it comes to major home systems that must function, the septic system is right there at the top of the list. That’s why it is so important to make an informed decision about a home warranty that covers septic systems. If you are living in or looking at real estate in rural or even many suburban areas, the homes in that area may or may not be served by public water and sewer. Septic systems fall under optional coverage, along with items like pools, sump pumps, well pumps, and roof leaks. This optional coverage can be well worth it. A home warranty that covers septic systems can save you from a mountain of hassle and be a real lifesaver. Why would you consider a home warranty for your septic system? Home warranties regularly cover things like a heating system, electrical system, and basic plumbing, along with home appliances like refrigerators, dishwashers, cooktops, even your ice maker, and garbage disposal. 

But is it worth it to add on coverage for a septic system if they won’t replace a full system? The answer depends on the age of the home and the septic system. 

Especially for an older home with an original septic system, a home warranty can be a very good idea. The last thing you want is a problem with this potentially smelly and very gross aspect of homeownership. Plumbing stoppages are not for the faint of heart. For such challenges, a reputable home warranty company can be a great advantage. 

Forget replacement, even repairs on septic systems can become very costly. Having some peace of mind knowing that all major systems are covered is a big deal. Because when septic systems go wrong, things can go VERY wrong!

What about a new home? Home buyers should note that new construction is covered by a builder’s limited warranty, and a new septic system should be under warranty by the installer, so you will be covered that way in the case of malfunction. 

But what about homeowners insurance? It is helpful to have a basic understanding of the difference between a home warranty and homeowners insurance. This comes down to the difference between wear and tear (home warranty) and accidental damage (insurance policy.)

A home warranty will include things not covered by insurance, but the coverage is not unlimited, so–once again–read the fine print on your home warranty carefully to understand the kinds of wear and tear to your septic system that will be covered.

So especially for an older home with a septic system that is out of warranty with the installer (if you even know who installed it and they are still in business!), the option of septic system coverage can be advantageous. When, you know, stuff happens with a septic system, stuff REALLY happens, so staying protected financially can save you money and aggravation.

parts of septic system covered in warranty

Would A Home Warranty For Septic Systems Cover Pre-Existing Conditions?

As a general rule, most home warranties do not cover known pre-existing conditions on covered items. For example, if your HVAC system is not working before the home warranty coverage, it won’t be covered under the home warranty.

This is true for septic system coverage as well. 

But that’s not the end of the story. Fortunately, there is a distinction between known and unknown pre-existing conditions. Some providers may cover unknown pre-existing conditions and will specify terms and limitations in the contract. So that is something else to be aware of and look for as you research the best home warranty options for you. 

Read Also: How Does Home Warranty Coverage Work?

Routine Maintenance to Mitigate Pre-existing Conditions

There are definitely things you can do to mitigate the chances that a pre-existing condition will turn into a problem. The main thing is to pay attention to routine maintenance on your septic system. Here are a few points to consider:

↳ Know your system – collect whatever records you can find about the company who installed your septic system. Understand daily capacity, and other relevant specifications that impact the day-to-day function of your septic system.

↳ Know what should NOT go down there – your local municipality doesn’t want anything and everything to get flushed into the local sewer system. That goes double for your own septic system. Be sure to understand what should not get flushed through your plumbing system and into your septic tank. For instance, chemical drain cleaners can severely harm the drain pipes.

Read Also: What Is The Best Home Warranties For Plumbing?

↳ Follow a regular schedule – do yourself a favor and create a maintenance log for things like the septic system. Make sure to stay on top of things like checking the drainfield, septic tank pumping

Here is a helpful video on the ins and outs of septic system maintenance:

Routine maintenance will likely be the first thing a home warranty company asks about when you make a claim regarding your septic system. Having done all that you can to make sure the system is functioning properly will go a long way in keeping to the letter and spirit of the terms of your home warranty agreement.

How Soon Can You Use A Home Warranty For Septic Systems After Purchase?

The industry standard is that claims can be made 30 days after the start of the service contract. This may vary depending on the company you purchase your warranty from, so make sure to confirm this with your agent and of course read the contract carefully.

So, if your septic system is already broken, that is not the right time to get a home warranty. If your system needs to be fixed yesterday, you are too late. But if you have an older system still in working order, some extra financial protection could go a long way. 

After that 30 days, you can file a claim and take care of any covered septic system issue. Be sure to understand the service call fee that is likely part of your agreement. 

Read Also: How Can A Home Warranty Help With Water Damage From Your Septic System?

What To Look For When Picking The Best Home Warranty For Septic Systems?

There are many things to consider with septic system coverage, but here are the three top considerations to think about when choosing the best home warranty for septic systems.

First and foremost, does the home warranty cover septic systems? 

Many potential problems that could arise in your septic system are covered as an option with a good home warranty, such as the sewage ejector pump, septic tank, and line from the house. Again, it is important to read up on what exactly is and is not covered. 

What will it Cost?

With any purchase, you want to understand the cost before making a buying decision. Is it worth the cost? If your home has an older septic system, a home warranty that covers septic could very well pay for itself many times over in the event of a system failure. 

What are the Benefits?

The major benefit of septic system coverage with your home warranty is peace of mind. Make sure the warranty you are looking for will give you that kind of peace of mind. Knowing that the septic system that was built–well, you’re not sure when–is covered will help you sleep at night. Home warranties are great for those who are not especially handy with home repairs, and who is handy at septic system repair? That’s a short list!

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

Reviews for Septic System Coverage

There is a lot to think about with home warranties and coverage for your septic system. Our number one pick is Choice Home Warranty, and for good reason.

Choice is comprehensive and affordable, with coverage not only for the septic system itself, but optional coverage for septic system pumping as well. 

Home Warranties for Septic Systems: Coverage

A septic system probably isn’t the main reason you purchase a home warranty, but having that added septic system coverage can really save you money when things go wrong. So what can you expect in septic coverage with a home warranty?
 
All of our top five picks offer septic system coverage as optional coverage. That means you can add it to a standard Combo Plan or an Appliance or Systems Plan. Here’s how the coverage looks from each provider.
 
Choice Home Warranty coverage: “Sewage ejector pump – Jet pump – Aerobic pump – Septic tank and line from house.”
 
AHS coverage: “Mainline stoppages that can be cleared through an existing access or clean out without excavation – The septic tank will be pumped once during the contract coverage term if the stoppage is due to septic back up – Sewage ejector pump for septic system only”
 
Select Home Warranty coverage: “Aerobic pump, sewage ejector, jet pump, septic tank”
 
Liberty Home Guard coverage: “Mainline stoppages and clogs, once a year pumping.”
Sometimes a home warranty company will deny coverage on something you feel should be covered. How often does that happen? It depends on the provider. Here Choice Home Warranty has the best track record, with a low record of claim denial. Our research shows their claim denial rate to be half the industry average. 
 
If you are not connected to a municipal sewer system, septic system coverage – while it certainly won’t cover a full replacement of a system – will help you maintain a regular pumping schedule, and provide much-needed coverage when smaller repairs are necessary.
 

Home Warranties for Septic Systems: Expense

To get the add-on coverage for your septic system, you will first need to purchase standard coverage in a Systems, Appliance, or Combo Plan. Most customers choose the Combo Plan, so let’s look at a Combo Plan along with septic system coverage. 
 
Choice $660 per year for the Combo Plan. Add-on coverage ranges from $40 to $180 a year. $85 deductible
 
American Home Shield: $720 per year for the Combo Plan. Add-on coverage ranges from $50 to $250 per year. $75 deductible. AHS does have monthly premiums that scale down in exchange for a deductible of $100 or $125.
 
Select Home Warranty: $650 per year for the Combo Plan. Up to $99 for optional coverage. $60 deductible
 
Liberty $725 per year for the Combo Plan. Between $40 and $275 per year for add-on coverage. $75 deductible.
 
You’ll want to get a quote specific to your area and situation for a final dollar amount on septic system and plan coverage.
 
ProviderCombo Plan Cost/YrAdd-on Cost/YrDeductible
Choice Home Warranty$660$40 – $180$80
American Home Shield$720$50 – $250$75
Select Home Warranty$650$0 – $99$60
Liberty Home Guard$725$40 – $275
$75
 
 
Remember that with any home warranty, there are limits to the dollar amount covered. Here are the details on coverage limits for each provider.
 
  • Choice: $250 for stoppages and pumping/ $500 for septic system
  • AHS: Coverage limitations for septic systems are not specified in the sample contract. 
  • Select: Coverage limits of $400 on septic system repairs
  • Liberty: $200 limit per contract year
 
All of these limitations are for access, diagnosis, and repair or replacement of covered septic system parts or services.
 
The top five plans all have similar cancellation policies, with 30 days to cancel the policy with no penalty. After that, the cost to cancel ranges from $25 to $75. 
 

Home Warranties for Septic Systems: Reliability 

 
For something as serious as a septic system, you want to make sure the provider is reliable. Let’s look at the areas of customer service, repair timelines, and emergency service availability to get a sense of how these companies stack up when it comes to reliability.
 
Here are some of the highlights of what customers are saying about service at some of our top five providers. 
 
American Home Shield has a 4.4-star rating on Google Reviews, but just a 1.5 on Site Jabber. Their overall rating is very close to the industry average. 2.3 stars compared with the industry average of 2.4
 
Liberty Home Shield has a BBB rating of A+ which is almost unheard of in the industry. With Google Reviews, they have a 4.6-star rating, and on Site Jabber, it is a very close 4.5. 
 
When you have a septic system malfunction, you want to get that fixed as quickly as possible. Our top providers are all operating at slightly above the industry average when it comes to the timeframe for repairs. Once you have contacted the provider with a claim, you can expect a 2-day timeframe for a licensed contractor to come to your home, assess the situation, and start repairs and get them finished as quickly as possible. If you start a claim on the weekend, you can expect a 2.5 to 4-day timeframe for the septic repair process.
 
No one wants a septic system emergency! All five of our top home warranty providers offer 24/7 service for emergencies. 
 

Our Top Pick For a Home Warranty For Septic Systems

There is a lot to think about with home warranties and coverage for your septic system. Our number one pick is Choice Home Warranty, and for good reason. Choice is comprehensive and affordable, with coverage not only for the septic system itself, but optional coverage for septic system pumping as well. 

If you live in Alaska, Kansas, Texas, Oklahoma or Iowa, a home warranty that includes septic coverage is essential. Check out our state pages for more recommendations based on your location.

For your convenience, below is our list of companies reviewed. 

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $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 98.00
  • 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 97.60
  • $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 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market

 

Home Warranty for Septic Tank FAQs

Below are just some of the frequently asked questions we receive for home warranties for septic tanks.

Q.

Do home warranties cover septic systems?

A.
Some home warranty providers include coverage for septic systems, although the majority of companies do not. Choice, Select, and First American include items like plumbing and clothes washers in their Premium plans, which average about $10 more per month.  
Septic system plans generally help cover common issues including sump pump replacement and plumbing repair.
Q.

Does Choice Home Warranty cover septic systems?

A.
Yes, Choice covers septic systems under the following conditions: They cover septic stoppages including “Mainline stoppages/clogs. If a stoppage is due to a septic tank back up, then we will pump the septic tank one time during the contract term. We will pay no more than $250 per contract term for access, diagnosis and repair and/or replacement.” 

They also cover: “Sewage ejector pump – Jet pump – Aerobic pump – Septic tank and line from the house.”
Q.

Who offers the best septic system coverage? 

A.
Of our top five home warranties, only two offer septic system coverage: Choice Home Warranty and Liberty Home Guard. Of those two, Choice Home Warranty offers better coverage, with Liberty covering only septic system pumping. Choice covers more septic system issues but limits coverage to $500.

Home Warranty Provider
Septic System Stoppages
Septic Pumps, other
Liberty
Yes
No
Choice
Yes 
Yes
Q.

What does a home warranty cover?

A.
Of course, a home warranty will cover much more than septic systems. They can cover everything from your HVAC system to your doorbells. Here are a few details on what you can expect in terms of coverage in a home warranty.

Among the systems covered:

  • HVAC, including ductwork
  • Plumbing, including stoppages
  • Electric
  • Water heater
  • Whirlpool bathtubs
  • Ceiling and exhaust fans

Among the appliances typically covered:

  • Refrigerator
  • Built-in microwave oven
  • Range / Stove / Oven
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Garage door opener

Among other add-on options besides septic, you could get coverage for:

  • Pool / Spa
  • Sump pump
  • Well pump
  • Limited Roof leaks
Q.

Is a home warranty for septic systems worth it?

A.
It definitely can be. While it will not pay for a full replacement of a septic system, it can mitigate the cost of the most common problems that come up in maintaining your septic system. Plus, you will have coverage for many other common household appliances and systems.