A suitable plumbing home warranty policy can cover unexpected repair expenses, keeping you worry-free. All it requires is a simple claim filing, making homeownership much less stressful.
To guide you in selecting the optimal warranty for your needs, we've rigorously evaluated and compiled a review of the top 10 home warranty policies for plumbing.
Our Best Home Warranties for Plumbing in 2024:
Choice Home Warranty: Best home warranty for plumbing overall in 2024
Liberty Home Guard: Best for trustworthy service
Select Home Warranty: Best for cost-effective plans
American Home Shield: Best for customizable plans
The Home Service Club: Best for quick service
Cinch Home Services: Best for service guarantee
America’s First Choice Home Club: Best for comprehensive coverage options
First American Home Warranty: Best for choosing your own plumber
ARW: Best for flexible service fees
First Premier: Best for fast claims processing
What Is a Home Warranty for Plumbing?
A home warranty for plumbing protects you from paying out of pocket for unexpected plumbing problems. It works in conjunction with your homeowners insurance policy. For example, if a pipe bursts, your homeowners insurance will likely pay for the cost of damage caused by any flooding, but not fixing or replacing the burst pipe itself. However, this can be covered by your home warranty.
What's Covered by a Plumbing Home Warranty?
Plumbing home warranty coverage can pay for repairs to your home’s internal plumbing, which includes
- Fixing leaks
- resolving clogs and backups
- replacing broken pipes
- drain lines
- sewer lines
- toilet components
Most home warranties will also cover the replacement of plumbing components like faucets, valves, pumps, and strainers.
Typically, when you have a problem with your home’s plumbing, you first need to call your warranty provider. The warranty company will typically arrange for a licensed, in-network plumber to visit your house to make repairs. Some warranty policies also let you use your own plumber.
What’s Not Covered?
Importantly, home warranty coverage for plumbing only covers repairs to your plumbing system, not any damage caused by a leak. It also only covers problems that arise from normal wear and tear. If a pipe bursts because a tree falls on your house, your home warranty won’t cover that.
If your provider doesn’t list an item or component within its service contract, it probably means that it won't be covered. Therefore, it's always important to carefully read your protection plan so you know what you're covered for.
There are lots of damages or conditions that your home warranty plan won’t cover, which include:
- plumbing blockages caused by tree roots or other external objects
- broken or leaking pipes caused by freezing
- non-essential components such as toilet lids or tap covers
1. Choice Home Warranty
Award-winning company with 15,000+ in-network contractors
Best for: Homeowners who want to customize their warranty
Annual premium: $476-$660
Service fee: $75-$125
Number of plans: 2
Choice Home Warranty is an award-winning home warranty provider that offers comprehensive plumbing coverage. The company covers your entire plumbing system, including your water heater, garbage disposal, and more. It also covers the parts of your electrical system that regulate your water pressure.
Why we chose Choice Home Warranty: Choice Home Warranty enables you to customize your coverage, including your service fee. You can add on coverage for a pool or spa, septic system, well pump, and sump pump.
Our experience: Choice Home Warranty has a network of 15,000 in-network contractors and is able to coordinate repairs in just 24-48 hours. We were able to make a claim online or over the phone in minutes.
Covers whirlpool bathtubs
Customize your service fee
Lots of add-on coverage options
Coverage limited to $3,000 per item
Not available in Washington
2. Liberty Home Guard
Offering fast repairs in all 50 states
Best for: Homeowners with complex plumbing systems
Annual premium: $365-$699.99
Service fee: $75-$150
Number of plans: 3
Liberty Home Guard is a trustworthy home warranty provider—US News & World Report has rated it #1 for three years in a row. It also has an A+ rating with the Better Business Bureau and a 4.6-star rating on Trustpilot. The company typically assigns a technician to work on your house within 24 hours after you make a claim.
Why we chose Liberty Home Guard: Liberty Home Guard offers an incredibly wide range of add-ons for your plumbing warranty. You can purchase coverage for a pool, spa, sump pump, well pump, water dispenser, water softener, or outdoor sprinkler system.
Our experience: We found that Liberty Home Guard keeps its coverage very affordable, even as it boasts best-in-class service. Plumbing coverage starts at less than $1 per day, and you can get up to six months free when purchasing a five-year contract.
Excellent customer reviews
Very wide range of plumbing add-ons
Coverage capped at $2,000 per item
Relatively small contractor network
3. Select Home Warranty
Affordable plumbing warranty plans with low service fees
Best for: Homeowners who want basic plumbing coverage
Annual premium: $432-$756
Service fee: $60-$75
Number of plans: 3
Select Home Warranty stands out for its affordable plumbing warranty plans, which start at only $36 per month. Your service fee can be as little as $60 per repair, which is among the lowest of any home warranty provider. Select Home Warranty has a network of more than 10,000 in-network contractors and provides 24/7 claims support.
Why we chose Select Home Warranty: Select Home Warranty’s plans are affordable but don’t skimp on coverage. You get $2,000 per covered item, and basic home systems coverage includes your water heater.
Our experience: We like how Select Home Warranty will price-match competitors’ offers, plus offers two months free when you sign up for an annual plan.
Very affordable pricing
Will match competitors’ offers
Large network of contractors
No way to submit a claim online
Limited add-on coverage options
4. American Home Shield
Premium plans with above-average coverage
Best for: Homeowners who want customizable coverage limits
Annual premium: $500-$700
Service fee: $75-$125
Number of plans: 3
American Home Shield is a 50-year-old home warranty company that boasts more than 1.8 million customers across the US. The company offers up to $6,000 for covered items, far more than many of its competitors. It also offers coverage for fixing code violations, which is something most home warranty providers don’t cover.
Why we chose American Home Shield: All American Home Shield plans cover your home’s plumbing system, including your water heater, whirlpool bathtub, and faucets. You can also add coverage for a septic pump, well pump, pool, or spa.
Our experience: We like how fast and easy it is to submit a claim with American Home Shield’s mobile app. You can also use it to schedule repair appointments.
Above-average coverage limit for each item
Covers repairs to fix code violations
Mobile app with 24/7 claims service
More expensive than average
Relatively short 30-day workmanship guarantee
5. The Home Service Club
Responsive warranty provider with comprehensive plumbing coverage
Best for: Homeowners who want repairs done quickly
Annual premium: $552-$799
Service fee: $65-$125
Number of plans: 2
The Home Service Club goes above and beyond with its plumbing warranty coverage. It covers leaks, valves, seals, plumbing fixtures, garbage disposals, water heaters, sump pumps, and more. You can also add coverage for a pool, spa, water softener, well pump, and sprinkler system. Each item receives up to $9,000 in annual coverage.
Why we chose The Home Service Club: The Home Service Club has a network of 15,000 contractors, and it’s quick to dispatch them to your home. You can get a repair done in as little as 12 hours. Plus, the company offers a 90-day workmanship guarantee on every repair.
Our experience: The Home Service Club’s customer service team is available 24/7. We found the agents to be very helpful when we called to make a claim.
Comprehensive interior plumbing line warranty coverage
Fast response to claims
Longer than average 90-day workmanship guarantee
Limited plan options
6. Cinch Home Services
Affordable Home Systems Coverage
Best for: Homeowners who want an extended service guarantee
Annual premium: $335.88–$479.88
Service fee: $100-$150
Number of plans: 3
Cinch Home Services offers comprehensive plumbing warranty plans that cover your pipes, water heaters, garbage disposal, toilets, sump pumps, whirlpool bathtubs, and more. It also offers add-ons for pool and spa coverage. The company has 19,000 in-network contractors across 48 states and can schedule services within a few hours after you make a claim.
Why we chose Cinch Home Services: Cinch Home Services offers one of the longest service guarantees of any home warranty provider: 180 days. Service fees are above average, but you can rest easy knowing you won’t pay twice for the same repair within a six-month period.
Our experience: Cinch Home Services offers 24/7 claims services online and over the phone. Coverage is limited to $10,000 per year across your entire home, which we find is enough to cover even the worst streak of bad luck.
Larger than the average contractor network
Extended 180-day service guarantee
Covers corrosion and pre-existing conditions
Expensive service fees
Fewer add-ons than competitors
7. America’s 1st Choice Home Club
Full-coverage home warranty plans that let you use your own contractor
Best for: Homeowners who want comprehensive plumbing coverage
Annual premium: $345–$575
Service fee: $75-$125
Number of plans: 4
America’s 1st Choice Home Club offers four home warranty plans, three of which cover your home’s plumbing system. This enables you to choose what level of coverage you need. The top-tier Platinum plan is extremely comprehensive, covering items like ice maker water lines and garbage disposals. America’s 1st Choice Home Club also offers a wide range of add-on options for pumps and pool systems.
Why we chose America’s 1st Choice Home Club: America’s 1st Choice Home Club is one of only a few home warranty providers that let you use your own plumber for repairs. This is especially helpful if you need emergency plumbing repairs done right away.
Our experience: We like how America’s 1st Choice Home Club’s warranty comes with discounts on other essential home services. For example, you can get discounted rates on home security systems from ADT and spare appliance parts from Encompass.
Four plan options offering full plumbing coverage
Use your own contractor for repairs
Comes with discounts at ADT and Encompass
Relatively low annual coverage limits
Doesn’t provide in-network contractors
8. First American Home Warranty
Trusted home warranty provider with nearly 40 years in business
Best for: First-time homeowners
Annual premium: $360-$546
Service fee: $85
Number of plans: 2
First American Home Warranty is an experienced plumbing warranty provider that’s been in business for almost 40 years. The company has a 3.8-star rating on Trustpilot and covers most plumbing components for up to $3,500 in repairs each year. First Home Warranty charges a flat $85 service fee, so there are no surprises when you need to make a claim.
Why we chose First American Home Warranty: First American Home Warranty will replace an item that is beyond repair with a brand new unit. In contrast, many other warranty companies will only give you cash for the market value of the covered item.
Our experience: We found the First American Home Warranty to offer responsive 24/7 customer support. We also like how you can sign up for a plan when you buy a new home so that your coverage is in effect by the time you move in.
Will replace items beyond repair rather than offer market value
Covers plumbing systems regardless of age
Flat, below-average service fee
Short 30-day workmanship guarantee
Limited plan customization options
9. American Residential Warranty (ARW)
Wide range of coverage options to tailor your warranty to your home
Best for: Homeowners who want low service fees
Annual premium: $300-$1,560
Service fee: $55-75
Number of plans: 6
American Residential Warranty (ARW) offers six home warranty plans, more than almost any other provider. You can customize your plan with optional add-ons and even choose your service fee. All plans cover your plumbing system up to $2,500 per year. Note that only top-tier plans—which can be pricey—cover your water and sewer lines.
Why we chose ARW: ARW has a network of contractors, but it also allows you to use your own plumber. This provides flexibility if you have a plumber you trust, but you can also lean on ARW’s network if you don’t.
Our experience: ARW offers transparent pricing and will work with you to find an affordable plan that meets your needs. We also found a company that processes claims quickly, allowing you to call your preferred plumber to make repairs within a few hours of filing.
Six warranty plans to choose from
Option to use your own contractor
Customize your plan’s service fee
Only top-tier plans cover sewage lines
Premiums are more expensive than average
10. First Premier
Affordable plumbing warranty plans with lots of add-ons
Best for: Homeowners who want an easy claims process
Annual premium: $420-$540
Service fee: $60-$75
Number of plans: 2
First Premier is a budget-friendly plumbing warranty company that beats many of its competitors on price. You can get complete plumbing system coverage starting at only $420 per year. The coverage is very comprehensive, but First Premier also offers add-ons for pool systems, well and sump pumps, water softeners, and more.
Why we chose First Premier: First Premier makes it very easy to file a claim. You can file online or over the phone at 24/7. The company has a network of 15,000 contractors and can usually dispatch a plumber to your home within about 24 hours.
Our experience: First Premier has outstanding customer reviews, including a 4.0-star rating on Trustpilot. We found our customer service team to be responsive, friendly, and knowledgeable.
Affordable pricing for reliable plumbing coverage
Responds to claims quickly
Excellent customer service
Coverage limited to $1,500 per item
Only two plan options to choose from
Our Methodology: How Did We Choose the Best Home Warranties for Plumbing?
We looked at a wide variety of factors when choosing the best home warranty companies for plumbing. Our analysis considered what kind of plumbing coverage each company offers, how customizable the warranty plans are, and how much the policies cost. We also looked at each company’s claims process, customer service availability, the number of in-network contractors, and more.
Here are some of the key criteria we used to review the top 10 Best Home Warranty for Plumbing:
Plumbing coverage options and plan exclusions
Options for add-on coverage
Plan pricing and customization
Length of workmanship guarantee
Size of contractor network and response time
Length of waiting period for coverage to take effect
Ease of claims process
Customer Support Availability
What to Consider When Choosing the Best Home Warranty for Plumbing
There’s a lot to think about when choosing home plumbing insurance or a warranty. Here are some of the key factors to consider.
Plumbing problems covered
Most plumbing home warranty coverage policies cover common types of plumbing-related issues, such as leaks and clogs. Some provide more comprehensive coverage and include repairs to broken fixtures or water pumps. Fortunately, many warranty companies offer sample contracts that you can read before signing up.
It’s common practice for home warranty policies to limit the amount they will pay out for a single plumbing repair. Make sure your coverage limit is high enough to cover the cost of repairing a broken pipe deep inside the walls of your home. Otherwise, you could be on the hook to pay any repair costs that run over your coverage limit.
Many home warranty providers offer optional add-on coverage for pools, spas, sump pumps, well pumps, water heaters, septic systems, and other major home appliances. If any of these items are part of your home’s plumbing system, it may be a good idea to purchase coverage for them. Look for companies that offer the coverage options you need.
Pricing can vary by a surprising amount for plumbing warranties, so it’s a good idea to shop around. Many home warranty providers offer a discount if you sign up for an annual plan. Some also offer discounts for veterans and first responders.
If you need a plumbing repair, your home warranty will cover the cost of the repair. However, you will have to pay a service fee that’s similar to a deductible for an insurance policy. Service fees can range from $50-$150 per repair, so be sure to take this into account when comparing plumbing warranty prices.
Making a claim with your plumbing warranty company should be easy. Many providers offer 24/7 claims services online or over the phone. Some even have a mobile app so you can file a claim on the go.
A leaking pipe flooding your home is nothing short of an emergency. So, it’s important that you can get a plumber to your house to address the problem as quickly as possible. Look for companies that can dispatch a licensed plumber in a day or less.
Most home warranty companies guarantee repairs for 30-90 days. If a plumber makes a repair and you have a problem with the same pipe or appliance within the warranty period, you won’t have to pay the service fee again.
Most home warranty companies have a large network of licensed plumbers that they require you to use for repairs. However, some also let you use your own contractor, which can be convenient if you already have a plumber you trust.
While most plumbing warranty providers operate in all 50 states, not all do. Make sure the company you want to work with provides warranties in your state. In addition, if the company requires you to use in-network contractors, make sure these are available within about 50 miles of your home.
Examples of Common Plumbing System Problems
Examples of common issues include leaky faucets, clogged drains, running toilets, and low water pressure. These problems are often caused by worn-out washers and O-rings or cracked seals.
However, there could also be signs of bigger plumbing problems. These include leaky or corroded pipes, a blocked sewer line, or a broken water pump.
Other plumbing system problems you could face include a burst pipe, malfunctioning water heater, or burned-out pump or well pump.
All these common plumbing issues could lead to bigger issues, such as lasting water damage or mold development. These issues can be very expensive to fix, so it's always important to try to reduce the risk by investing in a sound plumbing system.
Tips for Maintaining Your Home’s Plumbing System
Even with a plumbing warranty, you’re still responsible for doing routine maintenance on your home’s plumbing system. Here are three tips to keep your plumbing system running smoothly.
Clean out your drains: Flush them out once a month with hot water, vinegar, and baking soda. Avoid chemical drain cleaners since they can corrode your pipes.
Monitor your water pressure: Check this once a month using a simple pressure gauge. If it’s too high, call a plumber to install a pressure regulator.
Be careful about what goes down the drain: Cover sink and shower drains with a mesh strainer, and avoid putting grease, coffee grounds, or large pieces of food down your garbage disposal.
What Is Not Covered by a Plumbing Warranty?
Plumbing home warranties are designed to cover damage due to normal wear and tear. They don’t cover damage due to accidents or neglect. So, for example, if you forget to turn off the water to an exterior hose during the winter and your pipe freezes, your warranty likely won’t cover the damage.
Plumbing warranties also don’t cover the cost of any water damage caused by plumbing issues. If a burst pipe floods your living room, your warranty will cover the cost of fixing the pipe, but not any damage to your furniture.
How Much Does Home Warranty for Plumbing Cost?
A home warranty policy that includes plumbing coverage usually costs between $35 and $75 per month. Cheaper policies may have lower coverage limits or higher service fees. So, keep in mind that you could end up paying more if you have a significant plumbing problem.
The cost of a plumbing warranty varies based on which provider you choose, where you live, and the size of your home. You’ll also pay extra for add-on coverage for pumps and other plumbing appliances.
Other Home Warranty for Plumbing Services We Reviewed
There are a few worthwhile plumbing warranty providers that didn’t make our top 10 list. If you can’t find the coverage you need from our top providers, check out these additional companies:
Couldn’t find what you were looking for? We have plenty of other reviews for you here.
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A home warranty for plumbing can protect you against paying for costly plumbing repairs out of pocket. The right policy can protect not only your pipes, but also your faucets, water pumps, water heater, and more. It can also help you get repairs done quickly so you can get back to enjoying your home.
Each of our top 10 plumbing warranty providers delivers affordable plans with comprehensive coverage. Check out our full review to find the best home warranty for plumbing coverage.