Best Home Warranty Companies for Sewer Line Coverage (2024)

By Jesus Sanchez Garcia Updated May 23, 2024

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While the typical home warranty plan covers replacement and repair costs for your home’s major systems and appliances, add-on options protect other types of items, such as utility lines and septic pumping.

We’ve reviewed more than 35 providers and narrowed down the best home warranty companies nationwide. From there, we researched each provider’s sewer line coverage and vetted its repair plans. Below, learn how sewer line coverage works and what each company’s coverage options and exclusions are.

Why Sewer Line Coverage Is Important for Homeowners

Sewer line warranties provide additional coverage for unexpected sewer line issues, such as flooding, backups, and clogs resulting from normal wear and tear or age-related failures. While homeowners insurance may cover certain sewer line damages from hazardous events, it doesn’t protect against breakdowns due to the gradual deterioration of pipes over time. A sewer line warranty helps homeowners avoid paying the full out-of-pocket cost of expensive sewer line repair or replacement. 

Best Home Warranty Providers for Sewer Lines

Here are the top home warranty companies for protecting your sewer line

Compare the Top Home Warranties for Sewer Line Coverage

Sewer line coverage reduces repair costs and protects homes from damage caused by clogs, breaks, or leaks. The table below compares our top provider picks based on key factors, such as standard plan and add-on coverage caps.

CompanySewer Line Coverage CapAdd-On Coverage CapService Call Fee
American Home ShieldUnlimitedVaried$100–$125
Liberty Home Guard$500$500$65–$125
First American Home WarrantyUnlimitedVaried$75–$125
AFC Home Warranty$500Varied$75–$125
Select Home Warranty$500$400$60–$75

Note: We obtained pricing information for this article by requesting quotes for a 3,170-square-foot, single-family home in Tempe, Arizona. Your pricing may vary depending on your home’s size, type, and location, plus your coverage selections.

American Home Shield

Best for Extensive Coverage


Our Rating

Claim response time: Less than 24 hours
Coverage limits: Up to $5,000 for systems; Up to $4,000 for appliances
State availability: 48 (all but Alaska and Hawaii)
Service fee: $100–$125

What We Like

American Home Shield (AHS) is our top choice for sewer line repairs because of its comprehensive standard coverage for plumbing systems. The company offers unlimited coverage for plumbing systems with every plan. Alongside comprehensive plumbing coverage, AHS offers generous major system and appliance protection. The company also extends coverage for preexisting conditions and physically damaged items, a rare benefit with a home warranty plan.

Plan Coverage

American Home Shield offers three home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. Each plan includes plumbing coverage, and you can also add coverage for one annual septic tank pumping.

AHS’s plumbing coverage includes toilets and their related mechanisms, plus leaks and breaks in the water, drain, gas, waste, and vent lines. AHS will also cover clearance of sink, bathtub, shower, and toilet stoppages. AHS technicians can clear the mainline drain, sewer, and lateral drain line through an accessible cleanout within 100 feet of the access point. Additionally, the company covers up to $1,000 in wall and access point repair. Note that AHS leaves these repairs with a rough finish.

American Home Shield’s service agreement excludes blockages caused by collapsed, broken, and damaged service lines outside your home’s foundation. Septic tanks are also not covered. In addition, if a technician cannot easily locate the cleanout for your sewer line, AHS will not cover the cost of locating or accessing these sites.

Plan Costs

American Home Shield allows you to choose from a $100 or $125 service call fee. Our monthly fee decreased when we chose the $125 service fee for our sample quote. Below is a pricing breakdown of American Home Shield’s coverage plans:

  • ShieldSilver: $29.99–$39.99 per month
  • ShieldGold: $49.99–$59.99 per month
  • ShieldPlatinum: $79.99–$89.99 per month

Liberty Home Guard

Best Add-On Variety


Our Rating

Claim response time: 24–48 hours
Coverage limits: Up to $2,000 for most systems and all appliances; Up to $500 for plumbing and electrical systems
State availability: 50
Service fee: $65–$125

What We Like

Liberty Home Guard (LHG) provides comprehensive sewer line coverage paired with this review’s more extensive add-on catalog. The company offers a $500 cap for plumbing, which aligns with industry standards. Homeowners can choose from 42 add-on options, including five that focus on drainage, plumbing, septic tanks, and sewer protection.

Plan Coverage

Liberty Home Guard’s plumbing system coverage includes protection for leaks, breaks, and stoppages in drain, sewer, and water service lines within 100 feet of an accessible point. While reviewing the Company’s service contract, we learned that the company also covers built-in bathtub whirlpool motors and toilet tanks, bowls, and mechanisms. 

LHG provides a $500 plumbing and sewer line coverage limit, which is the industry standard. Note that LHG won’t cover sewer line stoppages or leaks if there isn’t an accessible area to fix the issue.

Liberty Home Guard only covers septic system pumping, whereas most providers cover septic system components and pumping. If your home uses a septic system for drainage, LHG may not be the best home warranty company for your needs.

Plan Costs

Liberty Home Guard doesn’t offer flexible service call fees, unlike some home warranty companies. Fees typically range from $65 to $125 per claim. We spoke with a sales representative who stated that the company determines your service call fee based on the size, type, and location of your home, as well as your plan selections. 2

Here is a pricing breakdown for Liberty Home Guard’s coverage plans:

  • Appliance Guard: $49.99 per month
  • Systems Guard: $54.99 per month
  • Total Home Guard: $59.99 per month

First American Home Warranty

Best for Systems Coverage


Our Rating

Claim response time: 24–48 hours
Coverage limits: Unlimited for most systems; Up to $7,000 for appliances
State availability: 35 (all but Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)
Service fee: $75–$125

What We Like

First American Home Warranty stands out for its thorough coverage of sewer lines and extensive stoppage protection. The company provides unlimited coverage caps for plumbing and sewer line repairs or replacements. It also covers sewer lines up to 125 feet from access points, which is longer than what other providers offer. However, it is not our top pick because it covers fewer states than American Home Shield and Liberty Home Guard.

Plan Coverage

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. The company includes plumbing systems and sewer line coverage in each plan. We read First American’s sample contract and found it covers sewer line breaks and leaks not caused by frozen pipes or roots. Like American Home Shield, First American will cover removing concrete or other obstacles obstructing your home’s sewer line access. Additionally, the company increases its restoration limit from $500 to $1,000 in its Premium plan. The Premium Plan also includes $250 for ground-level cleanout installation.

First American covers sewer line stoppages up to 125 feet from an access point, while every other provider in this article only covers stoppages up to 100 feet.

First American also offers an optional add-on for septic system coverage. This includes one septic tank pumping per contract term if a backup occurs in the tank itself. Additionally, the add-on covers up to $500 for components like the aerobic pump, jet pump, sewage ejector pump, and the septic line running from the house to the septic tank.

Plan Costs

First American allows you to choose from three service call fees for better pricing customization. The fees range from $75 to $125 per claim. You’ll pay a lower monthly premium if you select a higher service call fee. Below is a pricing breakdown for First American Home Warranty:

  • Starter: $37–$42 per month
  • Essential: $52–$57 per month
  • Premium: $72–$77 per month

AFC Home Warranty

Best Membership Perks


Our Rating

Claim response time: Up to 48 hours
Coverage limits: Up to $3,500 per appliance; Varied systems limits
State availability: 49 (all but Hawaii)
Service fee: $75–$125

What We Like

AFC Home Warranty matches its industry-standard plumbing and sewer coverage with an unlimited workmanship guarantee. This means the company won’t charge you a service call fee if a previously repaired item breaks down again. The company offers sewer and plumbing coverage under three plans, plus add-on coverage for your septic system.

Plan Coverage

AFC Home Warranty offers four plans: a Silver Plan, Gold Plan, Plan, Platinum Plan, and Diamond Plan. However, plumbing and sewer line coverage is included in the Gold, Plan, Platinum Plan, and Diamond Plan. The company will pay up to $500 for visible interior leaks and breaks in water supply pipes and drain, vent, waste, and dishwasher supply lines. The Platinum Plan and Diamond Plan both include coverage for plumbing stoppages, with a limit of $300. Only the Diamond Plan external sewer lines coverage, plus a $250 cap for access opening coverage.

According to AFC’s service agreement, its in-network technicians will pay up to $200 to restore the access point to a rough finish. AFC Home Warranty subtracts this amount from your plumbing system coverage limit. Technicians must have unobstructed access to a stoppage within the confines of the home. It does not cover pipe failures or blockages that result from collapses, freezing, or tree-root damage.

AFC Home Warranty also offers add-on coverage for your septic system, which includes the sewage ejector, jet, and aerobic pumps. It does not cover the septic tank, the line from the house, leach lines, field lines, lateral lines, cleanout, insufficient capacity, or the grinder pump. It will pay up to $500 per plan term, separate from the total plumbing limit.

Plan Costs

AFC Home Warranty allows you to select from a $75, $100, or $125 service call fee. The lower the service call fee, the higher your monthly premium.

Below is a pricing breakdown of AFC’s coverage plans:

  • Silver: $36.83–$41.83 per month
  • Gold: $51.92–$57.00 per month
  • Platinum: $57.00–$62.00 per month
  • Diamond: $91.58–$96.58 per month

Select Home Warranty

Best Budget Coverage


Our Rating

Claim response time: Up to 48 hours
Coverage limits: Up to $3,000 for HVAC systems; Up to $500 for remaining covered systems and appliances
State availability: 47 states (all but Nevada, Washington, and Wisconsin)
Service fee: $60–$75

What We Like

Select Home Warranty offers affordable pricing tiers for its sewer line and standard item coverage. While Select doesn’t offer particularly high sewer line coverage caps, it does provide coverage for under $50 per month, which is lower than many reviewed providers. Its add-on septic system coverage is priced lower than competitors, making it a cost-effective addition.

Plan Coverage

Select Home Warranty provides three home protection plans: Bronze Care, Gold Care, and Platinum Care. Gold and Platinum Care cover plumbing systems up to $500 per claim. We read Select’s sample contract and found it covers drain, waste, and vent line leaks, breaks, and stoppages. However, it won’t cover damage caused by frozen pipes or tree roots.

Plumbing stoppages are only covered in the Platinum Care plan. The company will not cover a plumbing stoppage unless there is an easily accessible entry to your home’s plumbing system.

Select also covers septic system component coverage as an add-on, paying up to $400 per claim. The company covers aerobic pumps, sewage ejector pumps, and the septic tank itself, but septic system pumping is excluded.

Plan Costs

Select Home Warranty offers three home warranty coverage plans: Bronze Care, Gold Care, and Platinum Care. Bronze Care covers only appliances, including your garbage disposal, cooktop, and refrigerator. Gold Care covers built-in systems exclusively, including your plumbing system and ductwork. Platinum Care combines the two basic plans and adds coverage for garage-door openers and ceiling fans. We recommend choosing the Platinum Care plan as it provides extensive coverage at a lower rate compared to most providers.

  • Bronze Care ($44.42 per month): This plan covers your clothes washer, clothes dryer, garbage disposal, refrigerator, stove, oven, built-in microwave oven, cooktop, and dishwasher.
  • Gold Care ($44.42 per month): This covers your air conditioning system, heating system, plumbing system, electrical system, water heater, and ductwork.
  • Platinum Care ($47.75 per month): This covers all the built-in systems and appliances in the two basic plans, garage-door openers and ceiling fans.

Do Home Warranty Plans Cover Sewer Lines?

Most home warranty companies offer at least one systems plan and several add-on options for your home’s plumbing system. Enrolling in a home warranty can help you anticipate repair costs and mitigate potential water service interruptions in the future. 

Below, we’ve outlined the basics of a sewer line warranty, including typical coverage and exclusions.

Covered Issues

If you choose a home warranty plan with systems coverage, plumbing and plumbing stoppages are often covered. The typical plumbing protection for your sewer line includes these problems:

Add-On Options

Home warranties typically cover interior components within the occupied living space, but you can often add optional coverage items to your plan, such as the ones below, for an additional monthly fee:


Home warranty coverage applies to covered items damaged by normal wear and tear. It doesn’t cover accidental damage or breakdowns due to insufficient maintenance. Sewer line protection typically excludes the following:

How Do You Know if Your Sewer Line Has Collapsed?

While you’ll need a plumber and a diagnostic camera to confirm your sewer line has collapsed, there are a few telltale signs. Some common symptoms of a collapsed sewer pipe include:

While a home warranty does not cover collapsed pipes, it can help offset the cost of diagnosing a plumbing problem. If you notice an issue with your home’s sewer service line, you can file a claim and schedule a technician to confirm if your home warranty can clear the stoppage.

How Do You Know If Your Sewer Line Is Leaking?

You may notice the following symptoms if your sewer line is leaking inside your home:

Why Do These Symptoms Suggest a Sewer Line Leak?

When a sewer line starts leaking, early warning signs may include drains draining slowly and the sound of dripping water inside your walls. Over time, the excess wastewater will damage your flooring and drywall, leading to mold growth and foul odors. As raw sewage accumulates, you’ll likely notice an influx of rodents and insects. Additionally, pooling water can eventually compromise your foundation, causing the surrounding soil to settle unevenly and cracks to form.

How to Take Care of Your Sewer Line

With basic sewer maintenance, you can prevent many inconvenient backups and clogs. Regularly maintaining your sewer line also decreases the likelihood of a denied claim. Here are a few easy tips to ensure your service line stays in working order:

Our Recommendation

Home warranties allow homeowners to bundle their essential systems and appliances under one protection plan, which can help eliminate the inconvenience of understanding the terms of separate policies. To confirm you’re making the best choice for your home’s needs, we recommend requesting a quote from three providers and comparing their plan options, covered items, and fine print.

American Home Shield is worthwhile because its base plans cover more items than its competitors, plus its sewer line coverage is comprehensive. Liberty Home Guard is another reputable choice due to its long list of add-on coverage options. Finally, we recommend First American Home Warranty if you live in a state the company covers.

Sewer Line Warranty FAQ

What is a sewer line warranty?

A sewer line warranty—also called a sewer service line warranty or sewer line insurance—is a protection plan for your sewer line and related items. Many home warranty providers offer plumbing and sewer line coverage in their standard plans and septic system coverage as an add-on. Home warranties cover plumbing failures due to normal wear and tear, unlike homeowners insurance, which covers hazardous events. Sewer line warranties help offset repair and replacement costs, reducing out-of-pocket expenses. Sewer line warranties help offset potentially high repair or replacement costs for homeowners, significantly reducing out-of-pocket expenses when sewer issues arise.

Does homeowners insurance cover sewer line breaks?

Yes, homeowners insurance policies cover sewer line breaks only in certain circumstances. They cover sewer lines within your property lines, but they do not cover any preventable damage. Your homeowners insurance should cover repairs if your sewer line breaks due to weather, civil disturbances, falling objects, vehicular damage, vandalism, and similar events. However, physical damage and sewage backups are not covered.


How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.