We selected American Home Shield as the best home warranty provider for roof leaks. Unlike many competitors, the company covers preexisting roof issues, including physical damage such as dry rot. Another strong option is First American Home Warranty, which covers several common roof types, including tar and gravel.
According to our 2025 survey of 2,000 home warranty users nationwide, nearly 37% of respondents added roof leak coverage to their plans. Addressing roof leaks promptly is important, as unresolved issues can lead to severe structural damage and costly repairs.
Keep reading to explore our list of top roof-leak coverage providers and key factors to consider when choosing the best home warranty company for your home.
Top Home Warranty Companies for Roof-Leak Protection
We compared the roof-leak coverage terms of over a dozen home warranty companies and found that these five providers offer the best value for your dollar.
- American Home Shield
- First American Home Warranty
- Elite Home Warranty
- 2-10 Home Buyers Warranty
- Choice Home Warranty
Comparing the Top Home Warranty Companies for Roof-Leak Coverage
The table below compares our top five roof-leak providers based on key criteria such as monthly cost, coverage caps, and service call fees.
| Provider | Our Score | Monthly Plan Cost | Service Call Fee | BBB Rating |
|---|---|---|---|---|
$57–$68 | $65–$125 | NR | ||
$36–$100 | $100–$125 | B | ||
$77–$130 | $100–$125 | B+ | ||
$45–$60 | $70 ($150 for after hours and weekends) | B | ||
$27–$61 | $65–$100 | A+ | ||
$60–$68 | $100 | B |
Our Reviews of the Best Home Warranty Companies Offering Roof-Leak Coverage
Our team reviewed 13 home warranty companies and chose the five best providers that offer generous roof-leak protection. Note that while some companies include roof leak protection with certain plans, others only offer coverage as an add-on for an extra price. For this review, we considered how much each provider pays per repair and the cost of roof leak add-ons if excluded from base plans.
Below is an in-depth look at our recommended home warranty companies for roof-leak coverage.
American Home Shield
Coverage Overview
- Covers dry rot, which other companies typically exclude
- Includes coverage for roofs with existing damage due to improper installation or repairs
- Offers up to $1,000 in roof-leak repairs
Keep in Mind
- Charges higher monthly fees than other providers we’ve reviewed
- Doesn’t cover condominium, townhome, or mobile home roofs
Our Review
American Home Shield (AHS) is the only provider we reviewed that covers preexisting conditions for roofs, which describe issues that existed before starting your coverage. The company also covers damage caused by improper repair and maintenance, plus dry rot, all of which other companies usually exclude from roof-leak coverage.
American Home Shield offers up to $1,000 for nonstructural roof leaks, meaning any minor surface damage to your roof that doesn’t affect its structural integrity. For $10 per month, you can add roof-leak coverage to the ShieldSilver and ShieldGold plans. This pricing is slightly higher than what other providers charge for the same protection. If you opt for the ShieldPlatinum plan, you get roof-leak coverage at no extra charge.
AHS covers most roof types, except for metal and eco-roofs, which is the industry standard. But if you have an older roof and want extra peace of mind, American Home Shield is worth considering for its pre-existing conditions coverage.
Plan Details and Cost
American Home Shield offers three home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. As mentioned above, AHS only includes roof-leak coverage in its ShieldPlatinum Plan—you must purchase it as an add-on with the other two plans.
We give a pricing and plan breakdown below:
- ShieldSilver ($36 per month): This coverage plan protects major systems, such as air conditioning, heating, electrical, and plumbing. Note that this plan doesn’t include home appliances or garage door openers.
- ShieldGold ($50 per month): The ShieldGold plan includes protection for 23 systems and appliances, such as clothes washers and dryers, ranges, water heaters, and garage door openers.
- ShieldPlatinum ($100 per month): This plan includes all ShieldGold coverage plus benefits such as roof-leak repairs and yearly HVAC tuneups. It also doubles the appliance coverage limit to $4,000.
AHS has two service call fees to choose from: $100 or $125. It also offers a 30-day workmanship guarantee on repairs, which means if something goes wrong within that timeframe, the company will send a repair person back out without charging you again. Although 30 days is the industry standard for many companies, other providers, such as Elite Home Warranty and 2-10 Home Buyers Warranty, offer guarantees of 90 days or longer. Check out an American Home Shield sample contract for more details on its coverage terms.
While AHS provides various coverage plans, it only offers six add-on options, which may not suit you if you want more customization. Here’s the list of add-ons AHS offers:
- Electronics Protection Plan
- Guest units (under 750 square feet)
- Pool and built-in spa
- Roof-leak repair (included with the ShieldPlatinum plan)
- Septic pump
- Well pump
First American Home Warranty
Coverage Overview
- Covers tar and gravel roofs, which most companies exclude
- Extends a $1,000 coverage cap for roof-leak repairs
- Charges less than $10 per month for roof-leak protection
Keep in Mind
- Limits roof coverage to wear and tear only
- Requires your roof is in watertight condition prior to the start of coverage
Our Review
First American Home Warranty covers popular roof types such as tile, shingle, shake, and composition, as well as tar and gravel roofs. While tar and gravel roofs are less common in residential properties, they’re typically excluded by providers, so First American is a good choice if you have this roof type.
First American Home Warranty offers $1,000 in roof-leak coverage and includes this protection in its highest-tier plan, the Premium Plan. If you don’t want the Premium Plan, you can add roof-leak coverage to a different plan for $8 per month, which is less than what American Home Shield charges.
However, First American’s roof-leak coverage has limitations. The provider requires that your roof is in watertight condition before coverage begins. This means your roof must be in good shape with no existing damage or leaks. The company also excludes coverage for defects in balconies and decks that serve as a roof.
Plan Details and Cost
First American Home Warranty has three home warranty plans, with each covering home appliances and systems. The highest-tier Premium plan is the only option with roof leak coverage unless you buy an add-on. Below is a pricing and coverage overview:
- Starter Plan ($77 per month): This plan covers multiple home appliances and systems, such as built-in microwaves, ductwork, plumbing stoppages, refrigerators, and toilet tanks.
- Essential Plan ($100 per month): The Essential Plan covers additional appliances and systems, including washers and dryers, and air conditioning.
- Premium Plan ($130 per month): The highest-tier plan provides everything in the Starter and Essential plans, plus higher limits for appliances and coverage for ductwork and roof leaks.
First American Home Warranty offers a $100 or $125 service call fee, similar to American Home Shield. First American’s sample contract outlines coverage payouts for roof-leak repairs, home systems, and appliances.
First American offers multiple add-on coverage options, including the following:
- Additional refrigerators
- HVAC tuneups
- Pool and spa equipment
- Roof leaks (included with the Premium Plan)
- Septic system
- Water softener
- Well pump
Elite Home Warranty
Coverage Overview
- Offers a $70 service call fee, which is one of the lowest rates in the industry
- Includes a 90-day workmanship guarantee, three times the industry standard
- Provides up to $1,000 for roof patching and leak repair
Keep in Mind
- Doesn’t cover roof leaks during the first 90 days of coverage
- Limits roof leak patching to occupied living areas only
Our Review
Elite Home Warranty is another solid option for roof protection since it offers $1,000 in roof-leak coverage with a policy add-on. The company also offers a $70 or $130 service call fee, which can raise or lower your monthly premium. This makes Elite a good option for homeowners who may need multiple roof leak repairs throughout the year.
On the downside, Elite excludes some scenarios other providers don’t, such as coverage for damage caused by foot traffic on your roof and issues related to heating and cooling equipment. Another drawback is Elite’s 90-day waiting period, meaning the provider won’t cover any roof leaks within three months after starting your policy, potentially leading to unexpected costs if you need repairs in that time.
Plan Details and Cost
Elite Home Warranty offers three standard plans. Note that the company’s base plans don’t include roof leak protection, which you can only buy as an add-on. Below is an overview of Elite’s plans:
- Elite Essentials ($41–$45 per month): This plan covers a range of appliances and systems, such as air conditioners, dishwashers, and water heaters. Note that this plan has lower coverage limits for each covered item, unlike the other two plans.
- Elite Appliances ($46–$50 per month): An appliance-only plan covering eight home appliances, such as stovetops, washing machines, and dishwashers. This plan increases the coverage limits for the covered appliances.
- Elite Complete ($66–$70 per month): The highest-level plan combines Elite Essentials and Appliances plans for comprehensive protection. This plan also increases major system coverage caps.
Elite includes a generous 90-day workmanship guarantee for all covered repairs—three times longer than those offered by American Home Shield or First American. Note that you must use an in-network technician to receive the company’s repair guarantee. Elite’s sample contract lists its coverage limits if you want more information.
Below is a quick sample of some of the add-ons Elite offers:
- Central vacuum
- Ejector pump
- Freestanding freezer
- Guest house
- Premium appliance coverage
- Pool and spa
- Septic system
2-10 Home Warranty
Coverage Overview
- Charges low monthly premiums and service call fees compared to other companies
- Includes roof flashing in its coverage, which companies usually exclude
- Offers an unlimited workmanship guarantee
Keep in Mind
- Charges a processing fee for monthly premiums
- Doesn’t cover items with preexisting conditions
Our Review
If you want affordable coverage, 2-10 Home Buyers Warranty could offer the right fit. With plans starting as low as $35 per month, it stands out as the most competitively priced company in this review. 2-10 also offers a roof leak add-on for just $8 per month, which is lower than what most other providers we’ve reviewed charge.
Similar to other providers, 2-10 offers $1,000 in roof-leak coverage with its add-on. The provider backs its coverage with an unlimited workmanship guarantee, giving you protection against additional issues if any repairs fail over time. Plus, 2-10 is the only provider on our list that covers roof flashing, which is the metal component that diverts water from roof joints. Most home warranty companies exclude this protection.
Despite its lower costs, 2-10 charges a 9.4% processing fee if you opt for a monthly plan. This fee can add up, potentially making the company less attractive for budget-conscious homeowners. Like Elite Home Warranty, 2-10 also doesn’t cover leaks caused by damage from people walking or standing on the roof, as well as damage resulting from anything other than rain or normal wear and tear.
Plan Details and Cost
2-10 Home Buyers Warranty offers three coverage plans and three service call fees. While none of the plans include roof leak coverage as standard, you can add protection with an add-on. You can choose from a $65, $85, or $100 fee—the higher the service fee, the lower your monthly payment.
Here’s a plan and cost breakdown of 2-10’s standard coverage options:
- Simply Kitchen ($27 per month): This plan covers six home appliances, such as dishwashers, ranges, and refrigerators.
- Complete Home ($47 per month): The Complete Home includes all items in the Simply Kitchen and major systems, such as heating and cooling.
- Pinnacle Home ($61 per month): This plan includes everything in the Complete Home and adds clothes washer and dryer coverage.
2-10 Home Buyers Warranty is the only company on our list that offers an unlimited repair guarantee, making it a good choice for homeowners seeking peace of mind. However, 2-10 imposes a number of coverage limitations that may make other companies on our list a better option for more robust roof protection.
The company provides over 20 add-ons for added customization. Here’s a sample of the 21 optional coverage options 2-10 offers:
- Additional refrigerator
- Freshwater pool
- Washer and dryer
- Water softener
- Well pump
- Wine cooler
Choice Home Warranty
Coverage Overview
- Charges less for its comprehensive plans and roof leak coverage than other providers
- Has a $3,000 coverage cap for most covered items
- Includes multiple systems and appliances in its basic plan for customers seeking whole-home protection
Keep in Mind
- Only covers up to $500 for roof-leak repairs
- Doesn’t cover tile roofs or certain types of shake and shingle roofs
Our Review
Choice Home Warranty is our final recommendation since it provides affordable home warranty plans and roof-leak protection. Its top-tier plan, the Total Plan, costs $55 per month, making it the most affordable comprehensive option in our review. This plan can save you up to $25 monthly compared to similar comprehensive plans from other providers. Plus, with the lowest add-on roof-leak coverage in this review at only $6 per month, you can protect your roof for less than $70 per year.
However, Choice’s affordable plan options come with lower payouts. The company will cover up to $500 per roofing service. The company also has more coverage exclusions than some competitors, such as tile, foam, tar, gravel, and metal roof types.
While Choice covers shingle and shake roofs, it specifically excludes Cemwood or Permatek shakes and Masonite shingles. Additionally, the company is involved in an ongoing lawsuit with the Arizona Attorney General’s Office over claims of deceptive practices related to contracts and payouts.
Plan Details and Cost
Choice Home Warranty provides two coverage plans, each including a mix of appliances and systems. Note that you must purchase roof-leak coverage as an add-on regardless of which plan you choose.
Below is a plan and cost overview of Choice’s standard plans:
- Basic Plan ($60 per month): This plan includes protection for 14 major appliances and home systems, such as heating, plumbing, water heaters, dishwashers, and garbage disposals.
- Total Plan ($68 per month): This plan has everything in the Basic Plan and includes protection for air conditioning, refrigerators, clothes washers, and dryers.
As mentioned above, Choice Home Warranty offers a $3,000 coverage limit for each covered item, unless otherwise noted in its sample contract. Choice also offers a solid variety of add-ons, although not as many as Elite Home Warranty and 2-10 Home Buyers Warranty.
Below is a sample of the nine add-ons Choice offers:
- Central vacuum
- Limited roof leak
- Pool and spa
- Septic tank pumping
- Well pump
Which Parts of Your Roof Does a Home Warranty Cover?
Having roof-leak coverage helps reduce repair costs, but not for every type of roof damage. Home warranties cover normal wear and tear that occurs over time. Coverage doesn’t include damage due to structural issues or natural disasters, such as hurricanes. Your homeowners insurance can cover this type of damage, as well as damage from fire, vandalism, and other types of storms.
Note that home warranty coverage varies by roof type. For example, while some companies cover composition roofs, others may exclude certain types of shingle roofs.
Key Roof-Leak Coverage By Provider
In the table below, we compare the roof leak coverage offered by our top home warranty providers.
| Roof-leak Coverage | American Home Shield | First American Home Warranty | Elite Home Warranty | 2-10 Home Buyers Warranty | Choice Home Warranty |
|---|---|---|---|---|---|
| Composition roofs | ✔ | ✔ | ✔ | ✔ | ✔ |
| Damage caused by normal wear and tear | ✔ | ✔ | ✔ | ✔ | ✔ |
| Dry rot | ✔ | 𝗫 | 𝗫 | 𝗫 | 𝗫 |
| Flashing | 𝗫 | 𝗫 | 𝗫 | ✔ | 𝗫 |
| Nonstructural roof leaks | ✔ | ✔ | ✔ | ✔ | ✔ |
| Patching over occupied living area only | 𝗫 | 𝗫 | ✔ | ✔ | ✔ |
| Shingle roof | ✔ | ✔ | ✔ | ✔ | ✔ |
| Shake roof | ✔ | ✔ | ✔ | ✔ | ✔ |
| Tar and gravel roofs | 𝗫 | ✔ | 𝗫 | 𝗫 | 𝗫 |
| Tile roof | ✔ | ✔ | ✔ | ✔ | 𝗫 |
Cost of Roof-Leak Coverage
A home warranty typically costs between $564 and $984 per year or $56 per month on average. Expect to pay between $6 and $20 extra per month for a roof-leak add-on, depending on the provider. Pricing varies based on factors such as the size of your home, your location, and your warranty provider’s specific coverage terms. These plans help homeowners manage minor roof repairs, preventing small leaks from escalating into major issues.
It’s important to note that home warranty roof-leak coverage doesn’t include major damage or full roof replacements. Instead, this coverage focuses on addressing minor issues early to help homeowners avoid significant repair costs down the line. Typically, a homeowners insurance policy can cover roof damage caused by storms, severe weather, and other uncontrollable events.
The table below highlights the average cost of several common roofing repairs:
| Roof Issue | Average Cost of a Repair or Replacement |
|---|---|
| Eave repair | $1,500–$1,700 |
| Hail damage | $700–$4,000 |
| Hole patching | $100–$1,000 |
| Roof leak | $360–$1,550 |
| Skylight leak | $300–$800 |
Reading the Fine Print of Your Roof-Leak Coverage Plan
Roof-leak coverage has exclusions and limitations, including specific roof types and the damage covered. For example, a home warranty company may deny coverage if your roof has existing damage due to poor installation, improper repairs, or lack of maintenance.
Here’s a list of common exclusions typically found in roof-leak warranties:
- Damage from natural disasters: Home warranty companies usually won’t cover roof damage caused by natural disasters like hail, hurricanes, or major weather events. Homeowners insurance includes this type of protection.
- Detached structures and building extensions: Roof-leak coverage generally doesn’t extend to detached structures like porches, patios, garages, or attached extensions, such as balconies and decks. Coverage is typically limited to leaks that affect the home’s occupied areas, like living rooms, bedrooms, and kitchens.
- Items penetrating the roof: Companies typically don’t cover certain features that penetrate the roof surface under roof-leak plans, including chimneys, skylights, and vents, as they’re not considered part of the main roof structure.
- Roof-mounted installations: Providers often exclude coverage for items installed on the roof, such as solar panels, solar tiles, antennas, and satellite dishes. Companies also exclude roof fixtures like gutters, downspouts, and flashing.
- Specific roof types: Many providers won’t cover some roof types due to their specialized materials and repair requirements, such as metal roofs, tile roofs, green or eco roofs, tar and gravel roofs, and flat roofs.
- Structural damage: Most roof-leak plans limit coverage to nonstructural damage, often caused by normal wear and tear. Providers typically won’t cover crucial structural components, such as beams and rafters.
How To Choose the Right Home Warranty Company
Choosing a home warranty for roof-leak coverage means checking if the provider covers your roof type, understanding exclusions, and evaluating claim requirements. Most home warranty plans cover common materials such as asphalt shingles and slate, but may exclude green or turfed roofs.
Coverage is often limited to leaks and doesn’t include preexisting damage, missing or damaged shingles, mold, or structural issues. Delayed repairs can worsen the damage, so company response time matters. We recommend reading customer reviews to gauge provider responsiveness and claims efficiency.
Most providers require proof of regular maintenance before approving claims, such as documentation of professional roof inspections, records of repairs, or receipts for routine maintenance such as gutter cleaning and sealing. Keeping your roof in good shape helps with coverage eligibility and extends its lifespan. Performing routine roof maintenance twice a year can help you avoid coverage denials and costly repairs.
Advice From Real Homeowners
Many homeowners don’t have a plan for handling roof leaks beyond their homeowners insurance, which only protects roofs from weather-related damage. Comparatively, a home warranty covers normal wear and tear. We spoke with two South Carolina homeowners, Jennifer B. and Brandi H., who took two different approaches to their roof-leak issues.
Jennifer recently went through a weather-related roof repair covered by insurance and shared that she had no plan for non-weather-related leaks.
“Depending on how much it costs, I would pay out of pocket or do-it-yourself (DIY) the problem,” she said. However, a do-it-yourself (DIY) approach to leaks isn’t always effective.
Brandi found that patching her roof only provided temporary relief.
“We tried putting it off for a couple of years by patching it with elastomeric, but after those two years, we had PTSD from waking up in the middle of the night with flashlights looking for leaks,” she explained. “We bit the bullet and just had the roof redone by professionals.”
A home warranty with roof-leak protection can offer a practical solution, covering both minor and wear-related leaks without the headaches of DIY fixes. This type of coverage can save time, reduce out-of-pocket costs, and safeguard your home and sense of security.
FAQs About Home Warranties for Roof Leaks
What are the benefits of having a home warranty for your roof?
There are several benefits of a home warranty for your roof. The most significant benefit is that a home warranty can cover the cost of repairing a leaky section of your roof, meaning you don’t have to set aside emergency savings to cover this expense. Also, a home warranty can send professional service technicians directly to your home when you request service for your roof, saving you time from sourcing your own.
What does a home warranty for your roof not cover?
Home warranties typically don’t cover certain roof materials, such as metal roofs, routine maintenance, or roofs on houses not classified as single-family homes. We recommend reading your provider’s sample contract to determine what it covers or doesn’t cover.
What is a preexisting condition?
A preexisting condition is a previous breakdown or issue your roof or another covered item has experienced before your home warranty plan begins. Many providers don’t cover preexisting conditions to a roof, which is why it’s important to purchase a home warranty policy while your roof is problem-free for complete protection. If you want coverage for preexisting conditions, we recommend American Home Shield, which offers this rare benefit.
Are home warranties worth the cost for roof-leak coverage?
A home warranty is worth the investment for someone who would have trouble paying for an unexpected roof leak, or an expensive appliance or home system repair. A home warranty can save you hundreds or even thousands of dollars in home repairs, depending on what items break down and what your coverage is.
How We Evaluated Home Warranty Providers for Roof-Leak Coverage
To help you find the best roof-leak coverage, we reviewed top home warranty providers using a comprehensive scoring system. Below is a breakdown of our process.
Our Rating System
We consulted home warranty experts, researched each provider, reviewed coverage details, interacted with customer support teams, and tested 11 home warranty providers firsthand. We also surveyed 2,000 home warranty customers to gain a better understanding of their coverage needs, buying habits, and claim experiences.
Using our research, we developed a detailed methodology to score each company. When evaluating home warranty companies on their roof-leak protections, we focused on the following factors:
- Roof-leak coverage caps: When looking for a home warranty for your roof, it’s important to choose a provider that offers enough coverage to offset typical roof-leak costs. We looked for providers that offer at least $500 in coverage since that amount would cover minor repairs. Companies with higher limits received more points. We didn’t include providers with caps below this threshold.
- Roof type inclusions: The top roof-leak providers should cover several common residential roof types. We checked whether each provider covers shingles, tile, shake, and composition roofs. We also considered providers that offer coverage for less common roofing types, such as tar and gravel. We eliminated any provider that only covers two or fewer roof types.
- Cost and the quote process: Our team requested quotes from every provider in this review to gain firsthand insight into the quote process, including both policy pricing and roof leak add-on costs. This experience allowed us to assess the cost and efficiency of different companies, providing a clearer understanding of what homeowners can expect when requesting a quote.
