Looking for the best home warranty for septic system coverage?
Perfect you’re in the right spot!
In this ReviewHomeWarranty.com 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!
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Our Top Picks Overview
You probably don’t think much about your septic system unless something goes horribly wrong.
A home warranty can save you money and time when basic home systems like the air conditioning, ductwork, major appliances, or a water heater stop working.
When a major malfunction occurs, you do not want to mess around with wondering how things will get fixed.
You want those problems fixed as quickly and efficiently as possible.
And 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 are far more likely.
Septic systems fall under optional coverage, along with items like pools, sump pumps, and well pumps, and roof leaks.
But this option 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.
This guide won’t just give you the knowledge to invest in a new home warranty with septic system coverage. It might even help you decide if your existing warranty, if you have one, is worth keeping.
What’s In This Guide?
To quickly navigate through this guide, here are some quick links:
- Our Top Pick Overview
- Top 5 Best Home Warranties For Septic System Coverage
- Do Home Warranties Cover Septic System Replacement?
- Is A Home Warranty Worth It For Septic Systems?
- Would A Home Warranty For Septic Systems Cover Pre-Existing Conditions?
- How Soon Can You Use A Home Warranty For Septic Systems After Purchase?
- What To Look For When Picking The Best Home Warranty For Septic Systems?
- Our Top Pick For a Home Warranty For Septic Systems
Top 5 Best Home Warranties For Septic Systems
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 up front about those kinds of fees.
Is A Home Warranty Worth It For Septic Systems?
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 stoppage is not for the faint of heart. For such challenges, a reputable home warranty company can be a great advantage.
Best Home Warranty For Septic System?
Choice Home Warranty is our top pick for septic system coverage. Choice has more than 10 years of experience in septic coverage and they will pay up to $500 per contract term for septic system access, diagnosis, repair and replacements.
Because, 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.
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.
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.
↳ 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.
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!
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.
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 Septic System Home Warranties
Do home warranties cover septic systems?
Does Choice Home Warranty cover septic systems?
Who offers the best septic system coverage?
Home Warranty Provider
Septic System Stoppages
Septic Pumps, other
What does a home warranty cover?
- HVAC, including ductwork
- Plumbing, including stoppages
- Water heater
- Whirlpool bathtubs
- Ceiling and exhaust fans
- Built-in microwave oven
- Range / Stove / Oven
- Clothes Washer
- Clothes Dryer
- Garage door opener
- Pool / Spa
- Sump pump
- Well pump
- Limited Roof leaks
Is a home warranty for septic systems worth it?
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.
For your convenience, below is our list of companies reviewed.