As a homeowner, I know firsthand the stress and financial burden that plumbing problems can cause. From leaking pipes to clogged drains, these issues can quickly spiral into expensive repairs for water damage. This is where a dependable home warranty provider can offer genuine protection and peace of mind.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
American Home Shield Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Value
select home warranty logo
VISIT SITE
Limited Time:
$150 Off (Code HOUSE25)
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free

However, given the industry’s reputation for denied claims and confusing contracts, it’s understandable why many homeowners are wary of home warranties. To help separate the reliable providers from the subpar ones, I conducted extensive research on the top home warranty companies in the U.S., with a specific focus on their plumbing coverage.

I meticulously examined the fine print of sample contracts from dozens of providers, compared pricing structures, and analyzed customer reviews to identify the most reputable providers. I ensured that the companies I selected included essential components like pipes, drains, and water heaters in their coverage. Furthermore, I prioritized providers with high coverage caps, guaranteeing that even major plumbing failures would be sufficiently covered without leaving homeowners with substantial out-of-pocket expenses. Using Today’s Homeonwer’s review criteria, I ranked each provider on comprehensive coverage, reliability, and affordability. This helped me find the best home warranty companies for plumbing in the U.S.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.

Table of Contents

    Top 5 Home Warranty Companies for Plumbing

    Liberty Home Guard: Best For Customization
    Highlights
    • Liberty Home Guard stands out to me for its comprehensive plumbing coverage and unparalleled customization options. With two plans that include plumbing protection and an impressive 42 add-ons (11 specifically for plumbing), you can tailor your coverage to fit your home’s unique needs. From ejector pumps to grinder pumps and plumbing fixtures, Liberty covers items that many other providers don’t. This flexibility ensures you have the most complete protection possible for your home plumbing system.
    • When it comes to plumbing coverage, American Home Shield really shines with its unlimited coverage caps. This means you won’t have to worry about hitting a limit on repairs or replacements, giving you ultimate peace of mind. Unlimited coverage is especially valuable for new construction homes, as the cost of repairing or replacing brand-new equipment and fixtures can quickly add up. While AHS’s monthly prices may be higher than those of some competitors, the comprehensive protection and lack of coverage limits make it a smart long-term investment in your home’s plumbing.
    • No matter which home warranty provider you choose for your plumbing needs, it’s crucial to thoroughly review the contract before signing. Pay close attention to the specific items covered, as well as any exclusions or limitations. Make sure the coverage caps align with the expected costs of repairing or replacing your plumbing components. By taking the time to understand the fine print, you can ensure that you have the right level of protection for your home and avoid unexpected out-of-pocket expenses in the future.

    My Expert Recommendation

    When it comes to protecting your home’s plumbing, Liberty Home Guard and American Home Shield stand out as my top choices. Liberty offers impressive flexibility, with two plans that include plumbing coverage and 11 plumbing-specific optional add-on coverage options. These add-ons cover items like ejector pumps, grinder pumps, sump pumps, septic tank pumping, water dispenser water lines, and plumbing fixtures that most providers don’t. This customization ensures your unique plumbing needs are met, whether you’re in a cold state prone to frozen pipes or have a new-construction home with high-end fixtures.

    American Home Shield also shines for protection, thanks to its unlimited plumbing coverage caps. This means you won’t have to worry about hitting a repair or replacement limit, even if you have brand-new, expensive plumbing equipment. As a homeowner, I can personally attest to the peace of mind that comes with not having to stress over potential out-of-pocket expenses. While AHS’s monthly prices may be higher, the comprehensive coverage and lack of caps make it a smart long-term investment.

    When choosing a home warranty for your plumbing, be sure to thoroughly review the contract’s fine print. Look closely at what’s covered and excluded, and make sure the coverage limits align with your plumbing system’s needs. Don’t forget to consider add-ons that could provide extra protection for your specific situation. With Liberty Home Guard’s flexibility and American Home Shield’s extensive coverage, you can find the right plan to safeguard your home’s plumbing — and your budget.

    Today’s Homeowner Tips
    When it comes to protecting your home’s plumbing, Liberty Home Guard and American Home Shield stand out as my top choices.

    Home Warranty Companies for Plumbing I Didn’t Include

    I didn’t include Choice Home Warranty in my top picks for the best home warranty companies for plumbing due to an active consumer fraud lawsuit filed by the Arizona Attorney General. The lawsuit alleges that Choice engaged in deceptive practices, misrepresented coverage, and improperly denied claims. Until the case is resolved and I can thoroughly review the findings, I don’t feel comfortable recommending Choice for plumbing coverage.

    If the lawsuit uncovers evidence of widespread misconduct, it would reinforce my decision to exclude Choice from my list. However, if the case is dismissed without concerning findings, I would reconsider including Choice after further research to confirm its improved practices and reputation.

    The uncertainty and potential for substantiated claims led me to err on the side of caution by not endorsing Choice for plumbing coverage. I want to confidently stand behind all of the companies I recommend to fellow homeowners when it comes to protecting crucial systems like plumbing.


    Compare The Highest Rated Home Warranties for Plumbing

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

    $50-$60

    $75

    12-48 hrs.

    NR

    VISIT SITE
    American Home Shield Logo

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    $44.99-$58.99

    $70

    48 hours

    A+

    VISIT SITE
    choice home warranty logo

    $46–$55

    $85

    24-48 hrs.

    B

    VISIT SITE
    select home warranty logo

    $52–$58

    $60

    24-48 hrs.

    B

    VISIT SITE
    AFC Home Warranty logo

    $38–$62

    $75–$125

    48 hours

    B

    VISIT SITE
    first american logo

    $38–$48

    $75–$125

    48 hours

    B

    VISIT SITE

    $17–$60+

    $65–$100

    2–24 hrs

    A-

    VISIT SITE

    $28–$68

    $100–$150

    2–24 hrs

    B

    VISIT SITE

    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


    Our Reviews of the Best Home Warranties for Plumbing

    Best for Customization

    Liberty Home Guard

    4.6

    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    I like that Liberty Home Guard has two plans that fully cover your plumbing system and an incredible 42 add-ons (11 specifically for plumbing), which allows you to tailor your coverage to your home’s unique needs. Whether you have a standard plumbing setup or more complex components like well pumps or water softeners, Liberty has you covered.

    I appreciate that Liberty’s plans include all parts and components of your plumbing system, ensuring you have complete protection when issues arise. This thorough coverage is especially valuable in regions with harsh winters, where frozen pipes can lead to costly damage.

    Another standout feature of Liberty Home Guard is its 60-day workmanship guarantee on repairs, which is double the industry standard of 30 days. This extended guarantee provides extra peace of mind, knowing that any issues resulting from faulty workmanship will be addressed at no additional cost to you for repeat repair visits.

    While Liberty Home Guard offers comprehensive plumbing coverage, I found a few notable drawbacks after reviewing a sample contract. First, the company’s coverage caps are low at just $2,000 per appliance or system, which could leave you paying significant out-of-pocket costs for major repairs or replacements. Additionally, Liberty’s plumbing-related add-ons are pricey at $14.99 per month, well above the industry average of $9.99.

    Plus, some customers have also reported frequent sales calls (for upgrades and add-ons), a $50 cancellation fee after the first 30 days, and excluded coverage for preexisting conditions, which could lead to denied claims.

    Liberty Home Guard is my top choice for comprehensive plumbing coverage, offering an impressive level of customization and affordability. With three plans, two of which fully protect your plumbing system, and an incredible 42 add-on options, 11 of which cover plumbing-related items, Liberty allows you to tailor your coverage to your home’s unique needs. Whether you have standard plumbing components or more specialized items like water softeners, grinder pumps, or septic systems, Liberty has you covered.

    One potential drawback to keep in mind is Liberty’s $2,000 coverage limit per covered item, which may fall short for high-end plumbing fixtures or extensive repairs. However, Liberty goes above and beyond by offering a 60-day workmanship guarantee on repairs, providing twice the peace of mind compared to the industry standard 30-day guarantee. If any issues recur within this timeframe, Liberty will resolve the problem at no additional cost to you.

    Across review sites like Google, Trustpilot, and the Better Business Bureau, customers consistently praise Liberty for its responsiveness and reliability when it comes to plumbing issues. Starting at around $50 per month, Liberty’s plans provide extensive coverage at a budget-friendly price point. This winning combination of personalized coverage, competitive pricing, and dedicated customer service earns Liberty Home Guard an impressive 9.3/10 rating in my book.

    I give Liberty Home Guard top marks of 10/10 for its comprehensive plumbing coverage and extensive customization options. The company’s Systems Guard and Total Home Guard plans, starting at just $54.99 per month, cover all essential components of your plumbing system, including pipes, drains, faucets, and water heaters. This thorough coverage ensures that you’re protected against the most common plumbing issues that can lead to costly repairs.

    One of the standout features of Liberty Home Guard is its impressive array of more than 40 add-ons, allowing you to tailor your coverage to your home’s specific needs. With 11 plumbing-specific add-ons, including coverage for sump pumps, grinder pumps, ejector pumps, septic systems, sprinkler systems, and even reverse osmosis water filter systems. Liberty provides unparalleled flexibility. These add-ons range from $8 to $15 per month, making it easy to build a comprehensive plumbing protection plan that fits your budget.

    While Liberty’s $2,000 coverage limit for plumbing repairs and replacements may not be sufficient for high-end or extensive systems, it’s more than enough for most standard plumbing needs. Plus, Liberty offers a 60-day workmanship guarantee on all repairs, giving you twice the peace of mind compared to the industry standard 30-day guarantee.

    It’s worth noting that Liberty’s service call fees range from $65 to $125, which is higher than the industry average of $75. However, the company frequently offers enticing discounts, such as two free months with annual payments or seasonal $225 coupons, which can help offset these costs.

    PlanMonthly CostService FeeAvailable Discounts
    Appliance Guard$49.99$65 $1252 months free (online), $225 off coupon (online)
    Systems Guard$54.99$65 $1252 months free (online), $225 off coupon (online)
    Total Home Guard$59.99$65 $1252 months free (online), $225 off coupon (online)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Liberty Home Guard offers the following optional add-ons related to plumbing: 

    • Ejector pump: $14.99/month
    • Grinder pump: $14.99/month
    • Instant hot water dispenser: $9.99/month
    • Lawn sprinkler system: $9.99/month
    • Plumbing fixtures: $7.99/month
    • Reverse osmosis water filter system: $14.99/month
    • Septic system pumping: $12.99/month
    • Sump pump: $8.99/month
    • Water dispenser water line: $4.99/month
    • Water softener: $13.99/month
    • Well pump: $12.99/month

    Besides its optional plumbing add-ons, Liberty has an impressive offering of additional choices: 

    • Carpet cleaning: $19.99/month
    • Casita guest unit: $35.99/month
    • Central vacuum: $8.99/month
    • Electronics protection: $19.99/month
    • Freestanding ice maker: $14.99/month
    • Generator: $19.99/month
    • Gutter cleaning: $14.99/month
    • Ice maker (in-fridge): $3.99/month
    • Lighting fixtures: $7.99/month
    • Limited roof leak: $11.99/month
    • Pest control: $14.99/month
    • Pool and spa: $19.99/month
      • Additional spa: $9.99/month
    • Power washing (exterior flooring): $19.99/month
    • Pro-series clothes dryer: $4.99/month
    • Pro-series dishwasher: $7.99/month
    • Pro-series microwave: $4.99/month
    • Pro-series range/oven/cooktop: $12.99/month
    • Pro-series refrigerator: $14.99/month
    • Pro-series standalone freezer: $14.99/month
    • Pro-series washing machine: $4.99/month
    • Re-key: $9.99/month
    • Saltwater pool: $23.99/month
    • Second refrigerator: $7.99/month
    • Swamp cooler: $14.99/month
    • Trash compactor: $7.49/month
    • TV mounting (up to 65-inch TVs): $14.99/month
    • TV mounting (up to 85-inch TVs): $19.99/month
    • Window washing/cleaning: $19.99/month
    • Wine cooler/fridge: $11.99/month
    Exclusions

    Liberty Home Guard has the following exclusions from its plans. All are normal within the industry. 

    • Cosmetic defects
    • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
    • Disposal of appliances, systems, or components
    • Electronics, computerized, “smart,” or Internet/enabled components and parts
    • Filters associated with any covered items
    • Fire sprinkler systems
    • Flues, vents, chimneys, and exhaust lines
    • Glass parts
    • Lighting
    • Malfunction or damage due to acts of God
    • Noise
    • Radon and other leak detection monitoring systems
    • Remote receiving and transmitting devices
    • Solar systems and applications

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Liberty Home Guard earns a solid 8.9/10 rating from me for its affordability in protecting your home’s plumbing system. With plans starting at around $50 per month, Liberty’s pricing is competitive and accessible to most homeowners. However, it’s important to note that Liberty’s plumbing-related add-ons are generally more expensive than those offered by other providers, with most costing more than $15 per month compared to the industry average of $6 to $13 from competitors like American Home Shield. That said, Liberty has more options. 

    Another downside is that Liberty’s per-item coverage caps max out at $2,000, which is lower than the limits set by some of its main competitors, such as American Home Shield at $3,000. However, it’s difficult to hit that cap with standard plumbing issues anyway. Liberty’s non-negotiable service fee is yet another drawback. It ranges from $65 to $125 for any claim. This is higher than the industry standard of $75. Despite these limitations, Liberty Home Guard offers adequate plumbing protection at a fair price for most homes with standard systems.

    Liberty Home Guard earns a respectable 7.8/10 rating from me for its customer experience when it comes to plumbing coverage. The company’s user-friendly website makes it easy for homeowners to compare plan options and customize their plans to fit their specific plumbing needs with optional add-ons. During my secret shopping, I found the enrollment process to be straightforward and efficient, allowing me to tailor my coverage to my unique needs.

    Once you sign up for a Liberty Home Guard plan, you’ll appreciate the various convenient contact methods available for reaching out to the company’s team for assistance. Whether you prefer to communicate by phone, email, or online chat, Liberty’s accessibility ensures that you can receive prompt support when plumbing issues arise, helping to reduce stress during challenging situations.

    One potential drawback is Liberty’s 30- to 60-day waiting period before coverage begins, which is similar to industry averages. However, I was impressed by the company’s 60-day service guarantee on plumbing repairs, which provides additional assurance that any work performed will meet the required quality standards on the first attempt. If not, Liberty will repair it again at no additional service call fee. While some online reviews mention occasional slow response times when submitting a claim or difficulty reaching a supervisor for escalated concerns, overall, Liberty provides a streamlined experience from quote to repair. 

    Liberty Home Guard earns a stellar 9.1/10 rating from me for its exceptional customer service and reputation when it comes to protecting your home’s plumbing. Across thousands of reviews on platforms like Google and Trustpilot, Liberty consistently receives glowing praise, with customers highlighting representatives going above and beyond, smooth claims processes, and quick issue resolution. It was hard for me to find negative feedback about the company, although Yelp did have some. The few I found there mainly mentioned isolated cases of longer wait times or unexpected fees.

    While the company did recently encounter a temporary setback with its Better Business Bureau rating due to an influx of complaints, this is a standard BBB review procedure that Liberty has successfully navigated in the past, after which its A+ rating was restored. For homeowners seeking a trustworthy and responsive partner for their plumbing protection needs, Liberty Home Guard stands out as my top choice.

    Rating SiteRatingNumber of Reviews
    BBBNR*Customer Reviews are not used in the calculation of the BBB Rating
    Trustpilot4.72,432
    Google4.710,313
    Yelp1.556

    Editor’s Note: The ratings provided were accurate at the time of writing.

    *Note (as of 3/13/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time, the BBB has restored its A+ rating after a thorough review.

    Liberty Home Guard stands out for its exceptional claims process when it comes to plumbing emergencies. With an average response time of just 12 hours and invaluable emergency repair options, Liberty provides the urgent support homeowners need when faced with disasters like burst pipes or major leaks. Once the standard 30- to 60-day waiting period ends, most plumbing claims are approved within 48 hours, and customers consistently praise the company’s smooth process and quick payouts.

    No other home warranty provider matches Liberty’s combination of expedited emergency service, fast approval times, and glowing customer feedback for plumbing protection. For its outstanding claims handling and commitment to swift resolution, I give Liberty Home Guard a perfect 10/10 rating. When you need it most, Liberty is there for your plumbing needs.

    Liberty Home Guard offers its plans in all 50 U.S. states, earning it a perfect 10/10 rating. So, wherever you are in the country, you can count on its team of experienced plumbing contractors to fix plumbing issues in your home when you need it. 

    Best Coverage Limits

    American Home Shield

    4.3

    Our Rating

    Limited Time:
    40% Off Our Most Popular Plan

    I appreciate American Home Shield’s 50 years of experience and strong partnerships with local contractors. This means you get specialized plumbing repair services tailored to your unique needs. AHS’s network of skilled technicians can handle complex issues and work with high-end fixtures that require brand-specific knowledge.

    Another standout feature is AHS’s high coverage caps, with limits up to $4,000 for appliances and $5,000 for systems, with no coverage cap on plumbing systems. This gives you peace of mind, knowing that even major repairs won’t leave you with a huge bill. Plus, AHS covers things many others don’t, like damage from rust, corrosion, or preexisting conditions. 

    Despite American Home Shield’s long history in the home warranty industry, the abundance of negative customer feedback about its plumbing coverage raises concerns. Many dissatisfied customers cite issues with transparency, unexpected rate hikes, repair delays, and short 30-day workmanship guarantees. While people are more likely to voice negative experiences online, the consistency of low ratings across multiple platforms sends up red flags to me.

    American Home Shield (AHS) stands out as a top choice for plumbing coverage, earning a strong 8.6/10 rating from me. As a pioneer in the home warranty industry with over 50 years of experience, AHS offers unparalleled protection for your plumbing system. One of the most significant advantages of choosing AHS is that it doesn’t cap coverage for plumbing, making it the best option for homeowners seeking total protection for their pipes, fixtures, and plumbing-related equipment.

    In addition to its comprehensive plumbing coverage, AHS also provides unlimited protection for your electrical system and above-average caps for your HVAC system and covered appliances. This extensive coverage ensures that you have peace of mind knowing that your home’s most essential systems are well-protected. Another notable advantage of AHS is its coverage of preexisting defects, rust, and corrosion, which many other providers exclude from their plans. This inclusion significantly increases the value of AHS’s plans, providing a level of protection that’s hard to find elsewhere.

    However, some online reviewers have reported extended repair delays, which can be frustrating when dealing with plumbing issues. Additionally, AHS’s lower-tier plans don’t cover as many appliances and systems as entry-level options from competitors. That being said, AHS’s ShieldPlatinum plan offers comprehensive protection at only a slight increase in cost, still outperforming comparable plans in terms of the items it covers. With its expansive contractor network, generous coverage limits, and inclusion of preexisting conditions, American Home Shield is a strong choice for homeowners looking for reliable and comprehensive plumbing protection.

    American Home Shield (AHS) stands out for its comprehensive protection, earning a strong 9/10 rating from me for its plans and coverage. AHS offers three levels of coverage: ShieldSilver for major systems, ShieldGold, which adds some appliances, and the top-tier ShieldPlatinum plan. While all plans provide excellent plumbing coverage, the ShieldPlatinum plan goes above and beyond with additional benefits like coverage for roof leaks, which can help prevent water damage by patching small leaks before the rainy season. 

    One of the most impressive aspects of AHS’s plumbing coverage is that it includes protection for old, improperly installed items and even preexisting conditions, which many competitors exclude. This extensive coverage brings peace of mind to homeowners with aging or complex plumbing systems, ensuring that they’re protected against a wide range of potential issues. Additionally, AHS offers generous coverage limits of up to $5,000 for home systems and unlimited caps for plumbing repairs, meaning you’re covered on all plumbing repairs or replacements.

    AHS also gives homeowners the flexibility to choose between lower monthly premiums or higher service fees, allowing you to select the option that best fits your budget and plumbing needs. While AHS’s service fees, ranging from $100 to $125, are higher than the industry average of $75, the company compensates for this with its comprehensive coverage and higher caps.

    PlanMonthly CostService Fee*Available Discounts
    ShieldSilver$29.99 $39.99$100 $12520% same-day discount (online)
    ShieldGold$49.99 $59.99$100 $12520% same-day discount (online)
    ShieldPlatinum$79.99 $89.99$100 $12520% same-day discount (online)

    *If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $79.99 rate for the ShieldPlatinum plan pairs with the $125 service fee.

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    American Home Shield offers the following optional add-ons to its plans. As someone living in a rural area without access to city water and sewage, I like the affordable rates to protect against the expensive plumbing repairs for septic pumps and well pumps. 

    • Electronics protection plan: $14/month
    • Guest unit: $15.99/month
    • Pool & built-in-spa equipment: $18/month
    • Roof leak repair: $10/month
    • Septic pump: $5/month
    • Well pump: $8/month
    Exclusions

    AHS has the following exclusions to its plans, which are all standing in the industry. 

    • Damage due to pets or pests
    • Failure to properly clean or maintain home systems or appliances
    • Foundation or structural damage
    • Improper installation, improper wiring, or damage caused by construction activity
    • Manufacturer’s defect
    • Misuse or human error
    • Natural disasters
    • Neglect, rust, corrosion, or sediment
    • Removal of hazardous material

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    American Home Shield earns an 8.7/10 rating from me for its affordability. AHS stands out as one of the only home warranty providers that doesn’t cap coverage for plumbing systems, making it the best option if you’re looking for total protection for your pipes, fixtures, and plumbing-related equipment. While you may pay slightly higher monthly premiums and service fees compared to some budget providers, the extra cost acts as an insurance policy against surprise plumbing repair or replacement expenses.

    When considering the affordability of a home warranty plan for your plumbing, it’s essential to weigh the monthly and service costs against your potential repair expenses without coverage. With American Home Shield’s unlimited plumbing coverage, you can have peace of mind knowing that you won’t be surprised by hefty out-of-pocket expenses when a plumbing emergency strikes. So, for homeowners seeking the most comprehensive plumbing protection available, American Home Shield’s slightly higher up-front costs can ultimately lead to significant savings and peace of mind in the long run.

    As an established leader in the home warranty industry, I had high hopes for American Home Shield’s customer service when it comes to plumbing issues. However, after reviewing numerous online customer reviews, I found a concerning number of complaints about unreturned calls and messages. This particularly worries me for homeowners dealing with urgent plumbing problems that can cause bigger issues the longer they fester — like leaking pipes flooding your basement and causing water damage. In these cases, prompt communication is essential for minimizing damage and ensuring a timely resolution.

    Despite these communication concerns, American Home Shield does offer some advantages that contribute to my  8.4/10 rating for customer experience. During my secret shopping, I found the company’s website to be user-friendly and efficient when obtaining quotes and comparing pricing for different plumbing coverage plans. Additionally, AHS’s standard waiting period of just 30 days before a new policy takes effect is significantly shorter than the 60-day or longer wait times imposed by many other providers. This means that homeowners can secure protection for their plumbing systems and enjoy peace of mind much sooner.

    American Home Shield receives a 7.7/10 rating from me for its mixed reputation. As a 50+ year industry player, the company’s low scores on Trustpilot and Yelp raise some concerns, with many reviewers complaining about delayed service, unexplained claim denials, late contractors, and unresponsiveness. However, it’s worth noting that some negative feedback appears to stem from misunderstandings over complex policy details and coverage limits. Plus, it holds a strong 4.5-star rating on Google with far more reviews — over 32,000. 

    Despite the mixed reputation, AHS makes filing plumbing-related claims straightforward with 24/7 online and phone support, and the company actively engages on Trustpilot to resolve complaints, showing a commitment to customer satisfaction. While American Home Shield’s reputation may not be perfect, its comprehensive plumbing coverage and efforts to address issues still make it a decent choice for homeowners seeking protection.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot2.15,178
    Google4.532,781
    Yelp1.0826

    Editor’s Note: The ratings provided were accurate at the time of writing.

    American Home Shield earns a strong 8.4/10 rating from me for its claims process, which is particularly important for plumbing issues. Its 24/7 customer service and around-the-clock filing options bring much-needed peace of mind to homeowners facing unexpected plumbing problems. After submitting a claim online or by phone, you can easily track its status and repair history through your online account dashboard, providing valuable transparency and reducing stress during the process.

    Although some reviews mention instances of unreturned calls or messages, AHS works to address these issues by assigning dedicated account managers and offering various contact methods. While American Home Shield’s average response time of 48 hours is slightly longer than some other industry leaders, the company’s commitment to round-the-clock availability and transparent claims tracking make it a strong choice for homeowners seeking reliable plumbing coverage.

    American Home Shield’s plans are available in 49 U.S. states, excluding Alaska, so we scored the company a perfect 10/10 in this category. With coverage spanning nearly the whole nation, you can expect qualified contractors in its network within driving distance of your home. 

    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    I appreciate Select Home Warranty’s commitment to providing affordable plumbing coverage without sacrificing quality or breadth of service. With monthly premiums ranging from about $44 to $48 and a competitively low service fee of just $75 per repair visit, SHW makes it easy for homeowners to protect their plumbing systems without breaking the bank. Additionally, two of Select Home Warranty’s three plans include comprehensive plumbing coverage, ensuring that homeowners have access to the protection they need.

    Another standout feature of Select Home Warranty is its impressive 90-day repair guarantee, which is considerably longer than many other providers in the industry. This extended guarantee provides added peace of mind, ensuring that if a covered plumbing issue recurs within 90 days of a previous repair, the company will send a technician to fix the problem at no extra cost to the homeowner. While the coverage caps may not be as high as some competitors, making it less suitable for major plumbing damages, the low monthly cost and comprehensive coverage still make Select Home Warranty an attractive option for many homeowners seeking reliable and budget-friendly plumbing protection.

    While Select Home Warranty offers budget-friendly plumbing coverage, there are several drawbacks to consider, such as the low $500 coverage cap on plumbing repairs, limited customization options with only nine add-ons, and the exclusion of preexisting defects, which could lead to claim denials if issues aren’t identified and addressed before enrolling. Additionally, I don’t like that Select imposes a strict $75 policy cancellation fee, prioritizing the company’s interests over homeowner flexibility. 

    Select Home Warranty earns a solid 8.4/10 rating from me for its straightforward and affordable plumbing coverage. With its user-friendly Gold, Silver, and Platinum plans, homeowners can easily choose the level of protection that best suits their needs and budget. The Silver and Platinum plans, in particular, offer comprehensive coverage for plumbing systems, providing peace of mind without breaking the bank.

    One of Select’s standout features is its industry-leading low monthly rates, ranging from $44 to $48. These prices are much lower than those of competitors like American Home Shield and Liberty Home Guard, making Select an attractive choice for cost-conscious homeowners. Additionally, Select’s 90-day workmanship guarantee surpasses the 30- to 60-day industry norms, suggesting strong contractor partnerships and a commitment to quality service.

    However, Select’s coverage caps for plumbing are limited to just $500. This may not be sufficient for major plumbing repairs or replacements, especially for homeowners with high-end or extensive plumbing systems. That said, it should be more than enough for the average home. Before signing up, it’s crucial to assess the value of your current plumbing equipment and consider whether Select’s coverage limits align with your needs. Nonetheless, Select’s straightforward plans, low monthly rates, and strong workmanship guarantee make it a compelling choice for many homeowners seeking reliable plumbing protection.

    I give Select Home Warranty a strong 8.3/10 rating for its straightforward approach to plumbing coverage. With its Gold and Platinum plans, Select offers protection for your plumbing system at an affordable price, making it easy to choose the level of coverage you need without getting lost in confusing terminology. Its Bronze plan doesn’t cover plumbing, just eight essential appliances. While the coverage caps may not be as high as some competitors, Select’s pricing makes it an attractive option for those looking to protect their plumbing without breaking the bank.

    When it comes to choosing a plan, I recommend the Platinum option for most homeowners. At just $4 more per month than the Gold plan, it offers enhanced coverage that fills potential gaps in protection. Plus, with regular discounts like the two free months and $150 off annual rates I received while secret shopping, Select is even more budget-friendly, making it a solid choice for those who want comprehensive plumbing coverage without the hassle of navigating complex plan tiers.

    PlanMonthly CostService FeeAvailable Discounts
    Bronze Care (doesn’t cover plumbing)$44.42$75$150 off (website), two extra months free
    Gold Care$44.42$75$150 off (website), two extra months free
    Platinum Care$47.75$75$150 off (website), two extra months free

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Select Home Warranty offers the following add-ons to its plans. For additional plumbing coverage, it’s nice to see affordable add-ons for sprinkler systems, septic systems, sump pumps, and well pumps. 

    • Central vacuum: $3.33/month
    • Lawn sprinkler system: $5.83/month
    • Pool: $8.33/month
    • Roof leak: free
    • Septic system: $5.83/month
    • Spa: $5.83/month
    • Standalone freezer: $3.33/month
    • Sump pump: $3.33/month
    • Well pump: $3.33/month
    Exclusions

    Like all home warranty providers, Select has the following exclusions from its plans. These are standard among home warranty companies. 

    • Common areas in condominiums or multifamily homes
    • Damage from natural disasters and rust
    • Defects or damages caused by the foundation and structure of the home
    • Incorrect installation or malfunctions due to construction damage or improper wiring
    • Issues with systems or appliances related to hazardous or toxic materials (for example, mold, asbestos, and gas leaks)
    • Secondary damage (e.g.,, your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
    • Solar heating systems

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    I give Select Home Warranty a solid 9.1/10 rating for its budget-friendly plumbing protection. With monthly premiums averaging around $40 after discounts, Select offers some of the most competitive pricing in the industry, undercutting the $50+ monthly average by $10 to $20. This affordability extends across its Bronze and Platinum plans, which cover plumbing systems without the significant price hikes often seen with competitors. Additionally, Select’s $65 or $75 service fees are much lower than the $100+ fees charged by many other providers, saving you money on both monthly costs and repair visits.

    However, it’s important to note that Select’s plumbing coverage cap is just $500, which may not be enough for major plumbing issues or high-end systems. This is a downside compared to some competitors with higher or unlimited coverage limits, like American Home Shield. Despite this limitation, Select Home Warranty’s competitive pricing and lower service fees still make it an attractive choice for homeowners seeking basic plumbing protection on a budget, especially for those with standard systems in homes that don’t require extensive coverage.

    I give Select Home Warranty a strong 8.1/10 rating for its customer experience. During my secret shopping, I found its website and online quote system to be user-friendly and transparent, making it easy for homeowners to understand what each plan includes, excludes, and costs. This is particularly important when considering plumbing coverage, as it allows you to make an informed decision about the level of protection you need for your home’s plumbing system.

    I give Select Home Warranty a respectable 8/10 rating for its reputation due to its decent B rating from the Better Business Bureau. Plus, its customer feedback paints a mixed picture. On the one hand, satisfied customers praise Select for its easy enrollment process, helpful customer service, and swift repairs when plumbing issues arise. This is particularly important for homeowners in colder states, where prompt and efficient plumbing repairs are essential.

    On the other hand, some customers have voiced concerns in online reviews about low claim payouts, denied coverage, and occasionally encountering unskilled contractors. As a homeowner considering plumbing coverage, it’s crucial to weigh these potential drawbacks against Select’s affordability and comprehensive plans. It’s worth noting that even well-regarded companies can sometimes disappoint customers, and it’s common for people to be more vocal about negative experiences than positive ones. Plus, with a company dealing with as many contractors as SHW does, some less-than-efficient ones are bound to pop up here and there. 

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.74,590
    Google3.819,766

    Editor’s Note: The ratings provided were accurate at the time of writing.

    I give Select Home Warranty a fair 7.6/10 rating for its straightforward but sometimes slow claims process when it comes to plumbing issues. While filing a claim online or by phone is simple, the company usually takes 48 hours to dispatch help for non-emergency plumbing problems, which is average or even below average for better the industry norm and can be frustrating for homeowners. 

    However, Select does offer 24/7 emergency services for high-priority plumbing issues, ensuring prompt attention and minimizing potential water damage and health risks. Additionally, Select’s 90-day workmanship guarantee on repairs is a notable advantage, covering early recurring issues without additional service call fees, which is longer than many competitors’ 30- to 60-day guarantees.

    Select Home Warranty lands a perfect 10/10 for its availability, as it has coverage in all 50 U.S. states. With its extensive coverage, you can expect access to a network of highly skilled plumbers who are ready to fix any issues in your home. 

    Best Customer Ratings

    Elite Home Warranty

    4.3

    Our Rating

    Limited Time:
    $150 Off + 1 Month Free

    I appreciate Elite Home Warranty’s unique offering of 11 plumbing-related optional add-ons, which is far more than what most competitors provide. This level of flexibility allows homeowners to create a customized plumbing coverage package tailored to their specific needs, which is particularly valuable for those living in regions with complex plumbing systems or areas prone to extreme weather conditions that can strain plumbing components. Additionally, Elite allows you to choose your own licensed contractor for plumbing repairs, a rare perk in the industry that ensures you can work with a professional you trust.

    What makes Elite really stand out is its high coverage cap of $10,000 for plumbing systems, which is 3 to 5 times the limit of most providers. This means you can have peace of mind knowing that even if you need to replace expensive plumbing components, you won’t have to pay a significant amount out of pocket. To top it off, Elite boasts impressive 4.5- to 5-star ratings across popular review platforms, demonstrating its commitment to providing top-notch coverage and service to its clients.

    One issue that irks me is the Elite’s policy of voiding workmanship guarantees if you choose to use your own trusted plumber instead of one in its contractor network. This seems counterintuitive, as I believe homeowners should have the freedom to select reliable technicians they know will do a good job, especially for critical systems like plumbing.

    Another drawback is Elite’s expensive $150 surcharge for after-hours emergency repairs. When you’re facing a burst pipe or severe leak in the middle of the night, you need urgent support without being hit with extra fees. This additional cost can be particularly frustrating for homeowners in colder states, where the risk of frozen pipes and related emergencies is higher.

    I give Elite Home Warranty a strong 8.6/10 rating for its plumbing coverage, thanks in large part to its industry-leading coverage limits. With caps reaching $10,000 for home systems, including plumbing, Elite significantly surpasses the typical $2,000 to $3,000 offered by competitors. This provides invaluable assurance for homeowners that they won’t pay ultra-high fees out of pocket for repairs. 

    Elite also stands out with its impressive 26 add-ons, 11 of which are plumbing-related, such as coverage for effluent pumps, water softeners, service lines, lift pumps, and lawn sprinkler systems. This allows homeowners to customize their plumbing coverage to fit the unique needs of their homes, which is particularly valuable in regions with complex plumbing systems or extreme weather conditions.

    However, one drawback to consider is that emergency plumbing repairs are only available during weekday business hours unless you’re willing to pay a steep surcharge of $150. This can be problematic for urgent failures, such as severe leaks, occurring on nights or weekends. Despite this limitation, Elite Home Warranty remains a top choice in my book for homeowners seeking comprehensive plumbing coverage with the highest limits in the industry.

    I give Elite Home Warranty a perfect mark of 10/10 for how well its plans protect your home’s plumbing systems. What sets Elite apart from competitors is its industry-leading coverage caps, with plumbing coverage reaching $10,000 per claim — two to three times more protection than most other providers offer. This is particularly valuable for homeowners looking to safeguard expensive plumbing components, such as high-end water heaters, water softeners, lift pumps, complex piping systems, and more.

    Like other home warranty companies, Elite provides appliance-only, system-only (which includes plumbing), or combined coverage plans. For homeowners seeking the most comprehensive plumbing protection, I recommend the Elite Complete plan. It bundles both appliance and system coverage for only an affordable increase in price compared to the Systems plan. During my secret shopping, Elite offered me a 30-day risk-free trial and a $150 discount for enrolling over the phone, making its top-tier plumbing protection even more budget-friendly.

    PlanMonthly CostService FeeAvailable Discounts
    Elite Appliance$48.99$100$150 upon sign-up, 30-day trial (via phone)
    Elite Systems$52.99$100$150 upon sign-up, 30-day trial (via phone)
    Elite Complete$59.99$100$150 upon sign-up, 30-day trial (via phone)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing. 

    Available Add-Ons

    Elite Home Warranty offers the following 11 plumbing-related optional add-ons to its plans: 

    • Effluent pump: $99.99/year
    • Ejector pump: $99.99/year
    • Grinder pump: $99.99/year
    • Lawn sprinkler system: $99.99/year
    • Lift pump: $99.99/year
    • Septic system: $129.99/year
    • Service lines: $349.99/year
    • Sump pump: $99.99/year
    • Water filtration system: $99.99/year
    • Water softener: $99.99/year
    • Well pump: $99.99/year

    It also provides the following optional add-ons to further protect other unique systems and appliances in your home: 

    • Attic exhaust fan: $69.99/year
    • Central vacuum: $49.00/year
    • Freestanding freezer: $59.99/year
    • Freestanding ice maker: $59.99/year
    • Freestanding spa equipment: $119.99/year
    • Generator: $99.99/year
    • Geothermal heating and cooling system: $299.99/year
    • Guest house: $299.99/year
    • HVAC annual maintenance: $299.99/year
    • Jetted/hot tub: $99.99/year
    • Limited roof leak repair: $99.99/year
    • Pool & spa equipment: $199.99/year
    • Pool equipment: $149.99/year
    • Premium appliances: $249.99/year
    • Premium benefits: $199.99/year
    • Premium systems: $299.99/year
    • Premium systems plus: $499.99/year
    • Swamp cooler: $149.99/year
    • Wine cooler: $69.99/year
    Exclusions

    EHW has the industry-standard exclusions to its plans: 

    • A lack of maintenance
    • Acts of God
    • Commercial-grade appliances
    • Cosmetic damage
    • Natural disaster-related damages
    • Units in a rental property

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive and additional exclusions may apply.

    Elite Home Warranty’s $100 basic service call fee for issues (including plumbing) is on par with that of competitors like American Home Shield. Plus, its core monthly premiums, ranging from $45 to $60, generally align with industry standards. However, I found a few notable fine-print charges that can quickly drive up expenses once you start a contract: $150 surcharges for weekend or emergency service and $150 per visit for access to premium-brand contractors. 

    While Elite’s base pricing is affordable, offering plans for appliances, systems (including plumbing), and a bundled plan, additional charges can add up for homeowners needing plumbing services. Considering these factors, I give Elite Home Warranty’s affordability for plumbing coverage a respectable 8.7/10 rating despite the hidden fees that remain concerning to me.

    Elite Home Warranty’s shopping experience leaves room for improvement, which is why we gave it a fair 7.6/10 rating. Unlike many of its competitors, Elite doesn’t provide transparent online pricing or quotes for its plumbing coverage plans. Instead, homeowners must call in to obtain even basic premium estimates, which can be frustrating and time-consuming.

    Furthermore, Elite’s website makes it challenging to find information on add-on fees for additional plumbing coverage. These costs are buried deep within the site and are only listed as yearly prices, making it difficult for homeowners to accurately budget and compare their monthly expenses. This lack of transparency creates unnecessary friction in the comparison-shopping process and may deter some homeowners from considering Elite as an option for their plumbing protection needs. That said, Elite Home Warranty has received numerous positive customer reviews, indicating that most homeowners are satisfied with the company’s responsive support and coverage once they sign a contract. 

    I give Elite Home Warranty a solid 8.3/10 reputation score despite having fewer than 200 combined reviews on platforms such as Yelp, Google, and Trustpilot. As a newer player in the home warranty industry, this limited customer feedback is understandable, though it can make it challenging to gauge the company’s reliability when it comes to plumbing issues. However, Elite’s accreditation and impressive A+ rating from the Better Business Bureau speak to its commitment to providing quality service and addressing customer concerns in a timely manner.

    The available online reviews for Elite Home Warranty are overwhelmingly positive, with customers praising the company’s fast claims handling, budget-friendly prices, and exceptional service. This is particularly valuable for homeowners dealing with urgent plumbing repairs, such as burst pipes or sewage backups, which can cause significant damage if not addressed promptly.

    Rating SiteRatingNumber of Reviews
    BBBA+Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.744
    Google4.8144
    Yelp5.04

    Editor’s Note: The ratings provided were accurate at the time of writing.

    I give Elite Home Warranty a subpar score of 6.8/10 for its claims process. While the company has a 24/7 online or phone claims filing system and a 24- to 48-hour response time for standard repairs, both meeting industry norms, Elite charges a t$150 extra fee for after-hours and weekend emergencies.

    In this case, some homeowners may wait to avoid paying steep surcharges for urgent issues like leaking pipes or malfunctioning water heaters, which can be particularly problematic in colder states where the risk of frozen pipes is higher.

    That said, ​​during regular business hours, Elite’s claims process operates smoothly, with a relatively quick dispatch of either pre-approved technicians or contractors from its network. However, the lack of 24/7 emergency repair options during nights, weekends, or holidays is a drawback that significantly lowers my rating. 

    Elite Home Warranty is available in 46/50 U.S. states, excluding California, Texas, Washington, and Wisconsin. With near-nationwide coverage, Elite’s network of quality plumbers can swiftly fix issues that come up in your home. 

    Best for Additional Benefits

    AFC Home Warranty

    4.3

    Our Rating

    Limited Time:
    $200 off + free roof leak coverage

    I like that AFC Home Club offers homeowners a range of unique perks that go beyond standard coverage — discounted home security, medical care, credit monitoring, and insurance savings. No other provider offers perks like these. By bundling these rare add-ons alongside its robust core protection plans, AFC delivers exceptional value to its customers.

    What impresses me most about AFC is its outstanding service guarantee for the length of your contract, which is either a year or three years. A service guarantee means AFC will repair any repeat issues without charging you extra service call fees. This is remarkable compared to most other providers, which offer only 30 to 90 days on average. When you need repairs and maintenance done to your plumbing system — which regularly has above-average repair costs and can put your entire home at risk if work is done improperly — having a contract-term service guarantee provides the ultimate peace of mind. 

    AFC Home Club’s lack of 24/7 emergency plumbing repairs without extra fees is a significant drawback to me. If you have urgent breakdowns like sewage backups or an overflowing toilet upstairs, you can’t just wait it out to avoid the fees. Most competitors offer 24/7 emergency support for plumbing issues, recognizing that around-the-clock access is crucial in critical plumbing situations. 

    AFC Home Club earns a strong 8.5/10 rating from me for its comprehensive plumbing coverage and user-friendly experience. AFC’s website makes the enrollment process a breeze, allowing customers to customize their coverage through tiered plans and multiple service fee options. Its Diamond plan, which I recommend to most homeowners, bundles plumbing coverage with protection for roof leaks, electronics, and major systems and appliances, providing budget-friendly and comprehensive coverage for plumbing and beyond.

    AFC guarantees repairs within 48 hours and offers lifetime workmanship warranties, striving to deliver timely, high-quality service when unexpected plumbing issues disrupt your daily life. However,  AFC Home Club has relatively lower coverage caps of $3,000 compared to other national providers, which could be a concern for those with high-end plumbing fixtures or extensive systems. Despite these downsides, AFC’s simplicity and adaptability, coupled with its A+ Better Business Bureau grade and reliable contract terms, make it one of my top choices for plumbing protection.

    I give AFC Home Club strong marks of 8.1/10 for its industry-leading home warranty plans that offer comprehensive plumbing coverage. Beyond basic protection, AFC provides Gold, Platinum, and exceptional Diamond tiers, bundling plumbing systems with other essential home components like appliances, electronics, exterior lines, and even unique extras like roof leaks. The Diamond Plan is particularly noteworthy, as it offers homeowners the rare and valuable opportunity to protect their personal electronic devices, too. 

    With four options total, AFC enables tailoring plumbing coverage to match your specific needs and budget — a flexibility that surpasses many competitors’ three-plan offerings. The Gold Plan is an excellent choice if you want to cover your plumbing along with core appliances and other systems, while the Diamond Plan provides the most comprehensive protection, including additional items like exterior water lines and sewer lines. During my secret shopping, I discovered attractive discounts of $250 off, making AFC’s already competitive pricing even more appealing for homeowners seeking robust, tailored plumbing protection.

    PlanMonthly CostService FeeAvailable Discounts
    Silver Plan$36.83$125Up to $250 off (online),  free roof leak protection (online)
    Gold Plan$51.92$125Up to $250 off (online),  free roof leak protection (online)
    Platinum Plan$57.00$125Up to $250 off (online),  free roof leak protection (online)
    Diamond Plan$61.58$125Up to $250 off (online),  free roof leak protection (online)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Granger, IN. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    AFC Home Club offers the below optional plumbing-related add-ons to boost protection in your home: 

    • Hot water dispenser: $25/month
    • Septic system: $50/month
    • Sump pump: $35/month
    • Well pump: $50/month


    Along with the plumbing add-ons, you can supplement coverage with these add-ons for other systems and appliances too: 

    • Built-in microwave: $50/month
    • Central vacuum: $25/month
    • Double oven: $25/month
    • Electronics coverage (price depends on your specific electronics)
    • Ice maker: $25/month
    • In-ground pool: $100/month
    • In-ground pool and spa: $150/month
    • Roof leak (free, worth $25/month)
    • Standalone freezer: $25/month
    Exclusions

    Like all home warranty providers, AFC lists these typical exclusions to its plans: 

    • Crane rentals needed to move appliances or systems
    • Geothermal heating systems
    • Haul-away services
    • Light fixtures
    • Code violations
    • Appliances and systems not properly maintained

    Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    With competitive monthly premiums ranging from $38 to $62, I give AFC Home Club excellent marks of 9.1/10 for budget-friendly plumbing coverage. Its comprehensive Diamond bundle includes unique features like sewer line coverage, which most providers typically exclude, making it particularly valuable for homeowners in colder states where the risk of frozen pipes and related plumbing emergencies is higher. 

    AFC also offers flexibility in choosing service fees for repairs, allowing homeowners to balance higher deductibles against lower monthly costs. However, before enrolling, carefully review the sample contract, as the fine print reveals lower caps of $150 to $500 on certain items like faucets and toilets, despite the company’s advertised $3,000 coverage limits for plumbing systems.

    With its user-friendly website, transparent coverage options, and highly-rated customer service, AFC Home Club delivers a top-notch experience for those seeking reliable plumbing protection, earning a glowing 9.2/10 rating from me. Customer feedback consistently praises AFC’s excellent communication and the professionalism of its technicians when handling plumbing-related claims, which are critical factors in a positive home warranty experience.

    The company goes the extra mile by providing plan-specific agreements that clearly outline the exact plumbing coverage you choose, including payout caps and other essential details, simplifying the shopping process and helping customers make informed decisions. While getting a quote, I was impressed by how swiftly I could compare plan tiers, costs, and service call fees, as well as easily toggle optional plumbing-related add-ons like septic system coverage and sump pump protection.

    Despite having fewer than 2,000 total online reviews, I give AFC Home Club positive marks of 8.3/10 for its reputation in providing plumbing coverage. AFC’s strong 3.7 Google rating and 3.0 Trustpilot score easily surpass the dismal 2-star rating of other providers,  but they could be better. That said, AFC maintains a decent B rating on the BBB. And, when plumbing-related complaints arise, AFC showcases its responsiveness by swiftly resolving more than 140 Better Business Bureau cases in the past three years alone, working to ensure customer satisfaction with its plumbing coverage.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.024
    Google3.71,585
    Yelp1.9336

    Editor’s Note: The ratings provided were accurate at the time of writing.

    AFC Home Club provides an industry-best lifetime workmanship guarantee for plumbing repairs, ensuring that if technicians need to revisit any fix, you pay absolutely nothing extra for the full policy duration. However, I give AFC a subpar score of 6.8/10 for its claims handling process when it comes to plumbing issues, primarily due to its lack of 24/7 emergency repair options during nights, weekends, or holidays. 

    A policy like this punishes homeowners on a tight budget. They may wait to avoid paying steep surcharges for urgent plumbing problems like burst pipes or sewage backups, which can cause extensive damage if not addressed promptly. AFC’s coverage documents even state that the provider will be closed on nationally recognized holidays, resulting in delayed service request assignments. I find this unacceptable for critical plumbing systems, especially in colder regions where the risk of frozen pipes and related emergencies is higher.

    AFC Home Club only lacks coverage in California and Hawaii, earning it an impressive 10/10 score. In covered states, you have quick access to AFC’s strong network of local plumbers for repairs. 


    Calculate the Cost of Plumbing Home Warranty

    Use the below home warranty cost calculator to budget for a new plan. Just type in your monthly premium, service call fee, and estimated number of service visits, and the tool will provide your full estimated annual cost for a home warranty plan. 

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    Our Top Pick
    Best for Customization
    VISIT SITE
    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage
    Best Coverage Limits
    American Home Shield Logo
    VISIT SITE
    Limited Time:
    40% Off Our Most Popular Plan
    Best Value
    select home warranty logo
    VISIT SITE
    Limited Time:
    $150 Off (Code HOUSE25)
    Best Customer Ratings
    VISIT SITE
    Limited Time:
    $150 Off + 1 Month Free

    Frequently Asked Questions

    Do You Need a Home Warranty for Plumbing?

    While not required, a home warranty for plumbing can provide valuable peace of mind and financial protection against unexpected repairs or replacements. This coverage is particularly beneficial in areas with harsh winters, where freezing temperatures can lead to burst pipes and other plumbing issues.


    How Much Does a Home Warranty Cost for Plumbing?

    The average cost of a home warranty plan that includes plumbing coverage is between $300 and $600 per year, depending on the level of coverage and the provider you choose. To learn more about the factors that influence home warranty pricing, check out our comprehensive guide on the cost of home warranties.


    How Can You Save Money When Shopping for Home Warranties for Plumbing?

    To save money when shopping for home warranties for plumbing, compare quotes from multiple providers and look for companies that offer customizable plans, allowing you to select only the coverage you need. Additionally, keep an eye out for promotions or discounts, such as reduced rates for multi-year contracts or waived service fees for a limited time.


    Is a Home Warranty Worth It for Plumbing?

    A home warranty is worth it for plumbing because it can help you avoid the high costs of unexpected repairs or replacements, which can easily run into thousands of dollars. To learn more about the benefits and drawbacks of home warranties, read our article on whether or not home warranties are worth the investment.



    Other Warranty Resources for Homeowners

    Best Home Warranties by State

    Alabama

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    Editorial Contributors
    avatar for Jonathon Jachura

    Jonathon Jachura

    Contributor

    Jonathon Jachura is a two-time homeowner with hands-on experience with HVAC, gutters, plumbing, lawn care, pest control, and other aspects of owning a home. He is passionate about home maintenance and finding the best services. His main goal is to educate others with crisp, concise descriptions that any homeowner can use. Jon uses his strong technical background to create engaging, easy-to-read, and informative guides. He does most of his home and lawn projects himself but hires professional companies for the “big things.” He knows what goes into finding the best service providers and contractors. Jon studied mechanical engineering at Purdue University in Indiana and worked in the HVAC industry for 12 years. Between his various home improvement projects, he enjoys the outdoors, a good cup of coffee, and spending time with his family.

    Learn More

    photo of Lori Zaino

    Lori Zaino

    Lori Zaino is a freelance writer and editor based in Madrid, Spain. With nearly two decades of editorial experience, she’s written and edited for publications like Forbes, CNN, Insider, NBC, Newsweek, The Points Guy, The Infatuation, and many others. Having just completed her first home renovation, she’s more interested in home improvements than ever, dedicated to bringing you fresh and accurate content to help you update your living spaces.

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