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!
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
Choice Home Warranty is one of the best on the market when it comes to septic coverage. Choice offers optional coverage for your sump pump, septic system and septic tank pumping, similar to the other 67% of warranty companies that provide add-on plans for septic. However, Choice Home Warranty is different because they will pay up to $500 per contract term for septic system access, diagnosis, repair and replacements, which isn’t the case for all companies. Some warranties, like Select Home Warranty, will only cover up to $400 for septic issues.
It’s important to note that exclusions do apply for Choice Home Warranty, but they are consistent across the board. Septic tank pumping coverage, for example, excludes disposal of waste, chemical treatments and cesspools.
- Free reservice period of 90 days for septic parts, compared the standard of 75 days
- Service call fees are the same for all plans and a la carte coverage, while some companies vary call prices based on plan
- The cancellation fee for septic repair is $50, which is above the industry average
- Well pump and well pump components for geothermal and/or water source heat pump are excluded
American Home Shield
Similar to most home insurance companies, American Home Shield’s septic coverage operates as an add-on to the Appliances Plan, the Systems Plan and the Combo Plan. Unlike Choice Home Warranty, American Home Shield does not include sump pump and septic tank as supplement plan options.
But, American Home Shield stands out because they offer a Build Your Own Plan. This flexible plan automatically allows you to include septic coverage as one of the 10 items protected. This plan is exclusive to American Home Shield, as no other top company has mix and match options that you can tailor to your needs.
- Several plan options in comparison to other companies and customizable plans to include septic coverage
- The maximum timeframe for repair is two business days, which is at industry average
- Sewage ejector pump coverage is only for first-year home warranty customers and is not renewable
- The Build Your Own plan or Combo plan is more expensive than the run-of-the-mill plans on the market
- Higher service fees than most home warranty companies
Select Home Warranty
Select Home Warranty protects your septic system as an add-on to their Gold Care plan, Platinum Care Plan, or Bronze Care Plan, which is normal for the home warranty industry.
Select Home Warranty’s septic system coverage includes aerobic pump, sewage ejector, jet pump and septic tank. There are tradeoffs to this coverage, like the exclusion of a septic line, which other companies like Choice Home Warranty include.
- The age of your septic system doesn’t matter when purchasing coverage and is not part of the coverage limit
- Septic claims can be submitted in three days, which is above industry average
- No customizable plan options similar to American Home Systems Build Your Own Plan are offered
- Lower independent contractor network of 10,000, compared to Choice Home Warranty network of 15,000 repairmen
Total Home Protection
Total Home Protection offers septic, septic tank pumping and sump pump as optional coverage to their three plans. One of the benefits of Total Home Protection is its low fees for add-on items. They offer $25 per month for sump pump coverage, lower than any other company. Select Home Warranty, for example, charges a septic fee of $39.99 per month.
Total Home Protection’s exclusions are normal for the market of septic warranties. Costs for disposal of waste and chemical treatments of a septic tank or sewer line are among the common exclusions.
- No limit on the number of septic claims you can request
- Lower fees for add-on coverage than any other company
- One day maximum to submit a claim, which is at the industry minimum
- Only been on the market for four years, compared to First American Home Warranty, that has been in business since 1984.
First American Home Warranty
First American Home Warranty, unfortunately, does not offer any coverage for septic, septic tank pumping or sump pump. While it is industry standard to include septic maintenance as an add-on at the very least, First American Home Warranty does not. We recommend you revisit one of the companies listed above for your septic needs, in particular, Choice Home Warranty because they are the top pick on the market.
First American Home Warranty’s Basic Plan covers only certain home appliances, while the Premier Plan covers almost everything in the house. Optional coverage for items like well pump and pool/spa equipment is also available.
- Lower premiums than American Home Shield
- The most limited selection of add-on coverage on the market
- Does not cover the routine maintenance of any septic system or septic part
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.