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Septic Warranty Coverage and Costs (2022)

A home warranty can protect your septic system if it unexpectedly breaks down. Keep reading for our top septic warranty coverage recommendations.


Having a septic warranty can provide peace of mind and protection for your septic system and its components if they fail due to normal wear and tear. Find the best septic warranty coverage by reading our review below.

Septic System Warranty Coverage

If you have trouble with your septic system, a home warranty can help cover the cost. Septic warranties will cover issues related to components and parts that malfunction due to normal wear and tear, in addition to electrical and mechanical breakdowns.

Different home warranty companies will provide various septic protection plans. For example, Choice Home Warranty will cover septic tank pumping for main line stoppages or blockages.

In most plans, septic warranty coverage includes the following parts:

  1. Sewage ejector pump
  2. Jet pump
  3. Aerobic pump
  4. Septic tank
  5. Sewer lines

Is a Septic Warranty Necessary?

With the proper attention and maintenance, your septic system should last between 15–20 years, with extremely well-maintained systems lasting 40 years.

However, this doesn’t mean that your septic tank will be immune to the occasional breakdown or malfunction. If the septic sewage ejector pump in your system fails or another component stops working, professional service may be required and a septic system repair or replacement may be necessary.

While a septic warranty can provide coverage for your system, it may only last for a limited time and will only protect your septic system.

A home warranty, on the other hand, provides coverage for all major home systems and appliances, including septic systems. Home warranties will cover expensive septic system repairs and replacements and can send a trusted technician to your home to make the necessary fixes in a timely manner.

How Much Does Septic Coverage Cost?

On average, a home warranty costs between $25–$50 a month and comes with service call fees that range between $75–$125. Because the cost of septic system add-ons will vary between home warranty providers, we recommend getting quotes from a few companies to find coverage that fits within your budget.

How to Find the Best Septic Warranty

To find the best septic system coverage, take the following factors into consideration:

  • Choose the right type of plan—Most home warranty companies will provide a variety of plans to choose from. Common home warranty plans include a systems plan, appliances plan, and combo plan. For septic system coverage, go with a systems plan or combo plan—by choosing one of these coverage options, you can ensure that your septic system will be covered.
  • Compare costs—Septic warranty coverage is usually listed as an add-on with home warranty companies. Compare the add-on price between at least three companies before making a final decision.
  • Check for coverage exclusions—Most home warranty companies don’t provide coverage for drain field pipe replacement, regular maintenance pumping, or disposal of septic tank waste.

Best Septic Warranty Providers

Below are three of the best home warranty companies that provide septic system coverage.

Best Septic Home Warranty Companies

Provider Choice Home Warranty Select Home Warranty First American Home Warranty
Provider Choice Home Warranty Select Home Warranty First American Home Warranty
Get a free quote Visit site Visit site Visit site
Monthly premiums $36–$44 $36–$38 $28–$43
Deductible $60–$85 $75 $75
Additional benefits Get your first month free when you sign up today Get two extra months of coverage for free Has a risk-free, 30-day, money-back guarantee

To learn more about these companies, read our in-depth reviews:

Our Conclusion

If you have a septic system, consider investing in a home warranty with septic coverage. Not only will this protect your system if it breaks down, it will help you get the necessary repairs or replacements in a timely manner. Any of the home warranty companies mentioned provide septic warranty coverage.

We recommend getting quotes from all three providers so you can compare pricing and select a plan that best fits within your budget.

Frequently Asked Questions about Septic Warranties

What should I do if I suspect a septic problem?

If you notice slow-draining sinks or sewage backing up in the toilet or tub, there may be an issue with your septic system. Contact your home warranty company to file a claim. They should send a contractor to diagnose the problem within 48 hours of receiving your claim.

In addition to a septic system, what else does a home warranty cover?

A home warranty covers major systems and appliances like your air conditioning, refrigerator, electrical, and plumbing. Unlike homeowners insurance, a home warranty covers items that break down due to normal wear and tear and doesn’t cover damage to your home from natural disasters, fire, or theft.

How can I protect my septic system?

One of the most effective ways to prevent expensive damage on your system is to practice proper maintenance. Routinely inspect your pump at least once every three years, practice efficient water habits, and dispose of waste properly.

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