Investing in a home warranty plan that covers plumbing issues is a wise choice for any homeowner. Your home’s plumbing system can experience common issues, such as a sewer line break or water damage. Having a home warranty can make repairing or replacing any part of your home’s plumbing system easier and give you and your family peace of mind when something goes wrong.

The This Old House Reviews Team has researched some of the best home warranty companies in the industry to help you find a provider that offers reliable and extensive plumbing system coverage. In this review, we compare coverage plans and pricing for four top-rated home warranty companies and include information on how to request a free quote.

The Top 4 Home Warranty Companies for Plumbing Coverage

The This Old House Reviews Team has named the following four companies as the best for plumbing protection:

American Home Shield

The companyAmerican Home Shield (AHS) is one of the oldest home warranty companies in the industry and serves every state except for Alaska. It provides comprehensive coverage for major systems and appliances, including your plumbing system, and it allows customers to select a service call fee between $75 and $125.

Why It’s Great for Plumbing

American Home Shield covers plumbing repairs and provides coverage for leaks and breaks in water, drain, gas, waste, or vent lines, toilets and related mechanisms, shower heads, permanently installed sump pumps, and other parts of your plumbing system. It also covers damage due to rust, corrosion, sediment, unknown pre-existing conditions, improper installation, and insufficient maintenance.

Plans and Prices

AHS provides three protection plans: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS customers can choose a $75, $100, or $125 service fee for all three plans. The higher the service fee, the lower the monthly premium.

Plan$75 Service Fee$100 Service Fee$125 Service Fee

To receive a free quote from American Home Shield, fill out this simple online form.

To get a free estimate from Select Home Warranty, fill out this simple form.

Liberty Home Guard

The company: Liberty Home Guard is a new home warranty company, but it has made a name for itself in terms of customer satisfaction and quality of service. It has an A rating from the Better Business Bureau (BBB), which is higher than nearly all other top-rated home warranty companies, and it provides a 60-day workmanship guarantee. Liberty is available in 48 states and is currently not available in Washington and Wisconsin.

Why It’s Great for Plumbing

Liberty Home Guard covers leaks and breaks in your water, drain, and waste lines, toilets, showers, tubs, and plumbing stoppages and clogs in drains and sewer lines up to 100 feet. It also offers unique add-on coverage for above-ground plumbing for your pool and spa and provides optional coverage for septic system pumping, well pumps, and sump pumps.

Plans and Prices

Liberty Home Guard provides three plans: System Guard, Appliance Guard, and Total Guard. System Guard protects essential systems, including your plumbing, air conditioning, and heating, Appliance Guard covers appliances, such as your refrigerator and dishwasher, and Total Guard covers both systems and appliances. All plans come with a low service fee of $60.

PlanMonthly Cost
Appliance Guard$39.99
System Guard$49.99
Total Guard$59.99

To request a free quote from Liberty Home Guard, fill out this short form.

Select Home Warranty

The companySelect Home Warranty is a great option for those on a budget. Select provides some of the lowest deductibles in the home warranty industry, ranging between $60 and $75, offers plans that are less than $40 a month, and includes free roof coverage with all protection plans. Select also boasts a 90-day repair guarantee and provides discounts on multi-year coverage plans.

Why It’s Great for Plumbing

Select’s Gold Care and Platinum Care plans cover major plumbing problems, such as plumbing stoppages and water heater issues. Specifically, Select covers the following plumbing system components: leaks in water, drain, waste, and vent lines, toilet bowls, toilet tanks, toilet flushing mechanisms, angle stops, risers, and more. Select also offers additional coverage for plumbing fixtures, such as faucets and shower heads.

Plans and Prices

Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. The Gold Care and Platinum Care plans cover plumbing systems, but the Bronze Care plan only covers home appliances. Select charges customers a service fee of $60–$75.

PlanMonthly Cost
Bronze Care$35.83
Gold Care$35.83
Platinum Care$37.50

First American Home Warranty

The company: First American Home Warranty is a veteran provider—it has served homeowners across the country since 1984. First American provides comprehensive coverage for your home while maintaining an affordable price-point. For plumbing system coverage with First American, you’ll need the Premier Plan since plumbing isn’t included in its Basic Plan. First American is available in 34 states, but the provider is not in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Dakota, Rhode Island, Vermont and Wisconsin.

Why It’s Great for Plumbing

First American does not include coverage caps for plumbing system repairs, which most providers do. Its Premier Plan covers pressure regulators, circulating hot water pumps, bathtub motors, permanently installed sump pumps, valves, water line leaks/breaks, toilet tanks, and plumbing stoppages up to 125 feet from an access point located in your home’s main foundation. Also, First American offers septic system coverage and well pump coverage as an add-on.

Plans and Prices

First American offers two plans: the Basic Plan and the Premier Plan. The Basic Plan protects standard home appliances, such as dishwashers and clothes washers. The Premier Plan includes the items covered in the Basic Plan, plus major home systems such as HVAC and plumbing. First American pairs each plan with a standard $85 service call fee.

PlanMonthly Cost
Basic Plan$37.00
Premier Plan$49.50

To request your free quote, fill out First American Home Warranty’s quote form or call 800-891-9778. 

Why You Should Cover Your Plumbing System With a Home Warranty

Not only can a home warranty protect your plumbing system, but it can also protect other important systems and appliances, such as your electrical system, heating, clothes washer, dryer, oven, well pump, pool, and spa. Unlike homeowners insurance, which covers damage to your home from natural disasters, fire, or theft, a home warranty specifically provides protection for your most important home items.

Additionally, enrolling in home warranty coverage prevents you from having to pay expensive out-of-pocket costs for unexpected repairs and replacements on systems and appliances that break down due to normal wear and tear. Not to mention, having a home warranty prevents you from having to search for a technician whenever you’re in need of a repair. Most home warranty companies have a network of experienced professionals who can repair or replace your broken system or appliance within two to three business days of receiving your claim.

Before deciding on a home warranty, we recommend requesting quotes from the providers listed in this review to help you compare pricing and coverage in your area.

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Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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