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.

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 two of the best home warranty companies that provide septic system coverage.


Best Septic Home Warranty Companies


Select Home Warranty

First American Home Warranty

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Monthly premiums






Additional benefits

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 both providers so you can compare pricing and select a plan that best fits within your budget.

Frequently Asked Questions about Septic Warranties

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.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.