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
- Liberty Home Guard: Most Responsive
- First American Home Warranty: Best for Buying a Home
- America’s 1st Choice Home Club: Best for Customization
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 per 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.
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 assigns a service call fee between $65 and $125 to your account. This fee will depend on your location, add-ons, and selected plan. 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.
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.
America’s 1st Choice Home Club
America’s 1st Choice Home Club (AFC Home Club) offers standard coverage for your sewer line at a competitive price point. AFC Home Club offers four plan options, three of which cover plumbing. The Platinum Plan offers the most comprehensive coverage with the inclusion of plumbing stoppages.
Here are some key details about AFC Home Club’s sewer line coverage:
- Covers visible interior leaks and breaks of water supply pipes, drain, vent, and waste lines (up to $500 per plan term)
- Covers toilet tanks and bowls (will replace with builder-grade materials)
- Covers unobstructed access to stoppage within the confines of the home’s foundation from the access point (will pay up to $250 to restore access point to rough finish)
- Offers septic system coverage as an add-on for $50 per month
Like AHS, AFC Home Club offers a flexible service call fee model. You can choose a $75, $100, or $125 service call fee. In general, the higher your service call fee, the lower your monthly fees will be.
- Silver Plan: $32.08–$36.67 per month
- Systems Plan: $39–$43.58 per month
- Gold Plan: $45.83–$50.42 per month
- Platinum Plan: $50.42–$55 per month
To request a free quote, fill out AFC Home Club’s quote form or call 877-755-1115.
Frequently Asked Questions
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.
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 firstname.lastname@example.org.