Homeowners insurance protects your house from structural damages caused by a variety of incidents, but it won’t cover inevitable home repairs incurred from regular wear-and-tear damage. To cover the cost of system and appliance repair or replacement, you’ll need a home warranty.
If you’re concerned about coverage for your home’s sewer lines, a plan that covers your plumbing system and septic tank could give you peace of mind. Here’s what to look for in a sewer line warranty as well as our picks for the best home warranty for sewer line coverage.
What to Expect from a Sewer Line Warranty
Unfortunately, no home warranty covers all potential sewer line or plumbing problems. Here’s the sewer line coverage you can expect from most top-rated home warranties.
- Water line leaks, breaks, and stoppages within the main foundation
- Main line and lateral drain line stoppages up to 100 feet from the main access point
- Access to pipes behind unobstructed walls/ceilings/floors returned to a rough finish (usually subject to a benefit amount limit)
However, not every coverage option is included in a company’s basic protection plans. Here are coverages that are typically add-ons to existing plans for an extra fee.
- Septic tank pumping (once per year or contract term)
- Septic tank systems including sewage ejector pumps, jet pumps, and aerobic pumps
Finally, here are coverages that are typically excluded from most home warranty sewer line plans.
- Stoppages caused by collapsed/damaged drain lines, roots, or freezing
- Damage due to sediment, rust, or corrosion in pipes
- Leaks or stoppages outside of the main foundation
- Septic tank waste disposal or chemical cleanout
Now that you know what to look for, we’ll give our list of the top picks for plans that cover sewer lines. We’ll show how each company compares to the standards above.
Best Home Warranty for Sewer Line Coverage
- American Home Shield: Best Overall
- First American Home Warranty: Best for Buying a Home
- Choice Home Warranty: Best Basic Plan
- Liberty Home Guard: Most Responsive
Please note that the quotes below are for a home that’s less than 5,000 square feet in Cleveland, Ohio. Pricing and coverage details will vary by location, so be sure to get your own customized quote.
American Home Shield
American Home Shield is our top overall choice for home warranty coverage, so it should come as no surprise that it’s also the best for sewer lines. Note that unlike most other companies, it will cover damage from sediment, rust, and corrosion. Its $1,000 limit for pipe access repairs is also twice what many other companies will pay.
Here are some key details of American Home Shield’s sewer line coverage:
- Standard coverage for mainline and drain line stoppages (within 100 feet of an access point, within the main foundation, excludes roots and freezing)
- Includes damage due to sediment, rust, and corrosion
- Limit for repairing pipe access: $1,000
- Add-on coverage for septic pumping and sewage ejector pump (first-year customers only, not renewable): $50 a year
American Home Shield’s plans come with adjustable service fees and monthly premiums. The higher your service fee, the lower your premium, and vice versa. Here are some sample prices for plans with a $75 service fee:
- ShieldSilver™: $39.99 per month
- ShieldGold™: $49.99 per month
- ShieldPlatinum™: $64.99 per month
For details about American Home Shield’s coverage and to receive a free quote, fill out this quick form or call 844-529-9298.
Choice Home Warranty
Choice Home Warranty’s sewer line coverage is fairly standard, but it does spell out coverage for stoppages and repairing pipe access damage. Additionally, the company has a 90-day repair guarantee. Unfortunately, while septic pumping and systems are available as add-ons, you’ll have to pay for them separately.
Here are some key details of Choice Home Warranty’s sewer line coverage:
- Standard coverage for stoppages (within 100 feet of an access point, within the main foundation, excludes roots and freezing)
- Limit for repairing pipe access: $500
- Add-on coverage for once-yearly septic pumping: $120 a year
- Add-on septic system coverage: $65 a year
Choice Home Warranty’s service call fee is $85, which is slightly higher than the industry average of $75.
- Basic Plan: $41.69 per month and $470.25 per year
- Total Plan: $50 per month and $570 per year
Call Choice Home Warranty at 929-400-6165 or fill out this quick form to get a customized quote for your home.
First American Home Warranty
Although First American Home Warranty is only available in 35 states, it offers excellent sewer line coverage. The company will pay to clear clogs within 125 feet of access points, farther than most companies. Although the company has a low limit for repairing damage needed to access pipes, it also covers rust and corrosion damage.
Here are some key details of First American Home Warranty’s sewer line coverage:
- Standard coverage for stoppages (within the main foundation, excludes roots and freezing)
- Extends coverage to stoppages within 125 feet of an access point
- Includes damage due to rust and corrosion
- Limit for repairing pipe access: $500
- Add-on coverage for septic pumping and sewage ejector pump: $75 a year
First American charges the industry-standard $75 for each service call fee with all plans. Here are some sample prices for each plan:
- Basic Plan: $29.58 per month
- Value Plan: $37.92 per month
- Eagle Premier: $42.50 per month
First American’s coverage and prices vary by region, so fill out this quick form or call 800-891-9778 to find out if it’s available in your area.
Liberty Home Guard
Liberty Home Guard’s sewer line coverage is missing a few key components, but its affordable premiums and service fee are enough to earn it a place on our list. Liberty Home Guard is a trustworthy company and has a high rating from the Better Business Bureau.
Here are some key details of Liberty Home Guard’s sewer line coverage:
- Standard coverage for stoppages clearable by a snake (within 100 feet of an access point, within the main foundation, excludes roots and freezing)
- No coverage for repairing pipe access or sewage ejector pump
- Add-on coverage for once-yearly septic pumping: $129.99 a year ($200 coverage limit)
Liberty Home Guard’s plans come with a lower-than-average $60 service fee. Here are some sample prices for each plan:
- Appliance Guard: $39.99 per month and $399.99 per year
- System Guard: $44.99 per month and $449.99 per year
- Total Guard: $49.99 per month and $499.99 per year
To find out how much a Liberty Home Guard plan will cost you, call 866-452-9107 or fill out this easy form.
Frequently Asked Questions
Does my home insurance cover sewer line repairs?
No. Home insurance typically only covers your home and personal property from damages caused by perils or natural disasters like fires, lightning strikes, and hail.
What does a sewer line repair plan typically protect?
Many plans protect your sewer lines from stoppages within your main foundation and damages due to rust and corrosion.
What other items does a home warranty cover?
Home warranty plans typically cover repairs and replacements to appliances and systems in your home that are damaged through normal wear and tear. Some protection plans cover items like refrigerators, cooktops, dishwashers, heating systems, and electrical systems.
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:
- Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
- Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
- Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
- Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
- State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
- Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
- Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.
In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.
To share feedback or ask a question about this article, send a note to our Reviews team at email@example.com.