If you live on a coastline or in a high-risk flood zone, water damage might be one of the first things you think about when considering which home warranty will be best for you. While every major home warranty policy strictly prohibits you from filing a claim for water damage resulting from storms or other sudden hazards, many provide some protection for interior water damage. 

Water damage resulting from the malfunction of a home system (for example, a burst pipe) may be covered. Flooding from outside (like creeping water after a hurricane) is usually excluded from coverage — but you may have options to cover this damage. 

Some home warranty plan options are better than others when it comes to covering water damage, no matter its source. After reviewing dozens of home warranty coverage choices, we’ve identified the top five home warranty companies for water damage. Read on to learn more about pricing, inclusions, exclusions, and how to choose the right policy for your home. 

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What Are the Best Home Warranty Companies for Water Damage?

When searching for the top home warranty providers for water damage, we reviewed each company’s available sample contracts to see which situations extended coverage to water damage. For example, corrosion of an appliance’s core components and appliance malfunctions may both be caused by a burst pipe, but only appliance malfunctions are covered under most policies. 

We also looked at additional factors like roof leak coverage and upper coverage limits that contribute to the value you receive if you experience water damage in your home. The following are our top home warranty selections for water damage based on these factors and others outlined below. 

Quick Tips When Shopping for Water Damage Home Warranties

Looking for some quick shopping tips to use when searching for comprehensive coverage on water damage? The following are some key features to search for when comparing water damage coverage on major home warranty policies. 

  • Included components: If you’re interested in water damage coverage and live in a colder climate, you might be concerned about protecting yourself against water damage related to your plumbing system. While most home warranty plans cover damage to the plumbing system from a burst pipe, specific system components susceptible to water damage may be excluded from coverage. For example, your pipes might be covered if water causes them to burst, but faucets that stop working after having components waterlogged may be excluded. Review each home warranty’s list of individual component inclusions and exclusions before buying. We recommend choosing a provider offering comprehensive coverage for a wide list of components. 
  • Service call fee rates: Every home warranty will assess service call fees and a monthly premium. Water damage issues can be persistent and long-lasting, meaning you may need multiple appointments to address appliance or system problems. If you’re concerned about water damage, look for a home warranty provider with a reasonable service fee that you can afford each time. 
  • Coverage limits: Water damage to homes and appliances can be among the most expensive types of damage to repair. Look for a home warranty provider that offers higher coverage limits on appliances and home systems, especially if you need comprehensive protection against water damage. 

Always request and read your home warranty contract for the specific coverage plan you’re buying before signing up. This will prevent you from finding yourself locked in a plan with insufficient coverage. 

Here’s a video walking through some tips for preventing water damage in your kitchen near your dishwasher:

Compare the Best Home Warranty Companies for Water Damage 

Now that you understand what you can expect a basic plan to cover in the way of water damage, let’s take a look at a few of the best home warranty companies for these instances. 


Monthly Cost

Service Fee

Coverage Limit

Response Time


States Covered




24–48 hours


49 states, excluding WA




24–72 hours


50 States




12–48 hours


47 states, excluding NV, WA, and WI




24–48 hours


47 states, excluding NV, WA, and WI




24–48 hours


49 states, excluding HI




24–48 hours


48 states, excluding AK and HI




24–48 hours


42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY




24–48 hours


34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI

* Liberty Home Guard service fees vary based on your location and home and are not determined by higher or lower monthly fees.

Best Value

Select Home Warranty


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If you’re buying a new home or getting an expensive repair, you may not be able to afford an extra $70 monthly home warranty bill. With average premiums below $50 per month and competitive service fees, Select can be a top choice for homeowners on a tight budget. 

There are multiple factors to consider when considering which home warranty offers the best value. Select combines low premiums with affordable service fees to provide homeowners an overall less costly experience. 

Premiums from Select range between $42 and $47 per month in most areas, less than the industry average price of $50 per month. Select’s service fee varies between $75 and $125 in most states, which is about in line with industry averages. If you’re looking for low-cost coverage, these two features can make Select an appealing choice. 

Select policies don’t exclude water damage from coverage overall, but water damage to the electrical system and flooding/stormwater-related damage are not covered.

Finally, all of Select’s policies include roof leak coverage, which can benefit homeowners in an area prone to heavy rains. The policies’ standard costs include two months of roof leak coverage, which you can extend for an extra fee.

Select’s home warranty policies range in price between $42 and $47 per month, with average service fees between $75 and $125. The specific service fee you’ll pay will vary depending on your location and contract length. 

Select Home Warranty currently offers the following three plan options: 

  • Bronze Care: The Bronze Care plan is the most affordable choice from Select, with coverage for eight major appliances. Covered items include a cooktop, dishwasher, garbage disposal, built-in microwave, refrigerator, stove and oven, washing machine, and dryer. 
  • Gold Care: The Gold Care coverage level protects six major systems, including HVAC systems, ductwork, electrical systems, air conditioning systems, plumbing systems, and water heaters.
  • Platinum Care: The Platinum Care plan includes coverage for everything found on both previous plans, plus a garage door opener and ceiling fans. It also extends coverage to include plumbing stoppages instead of just the system, as with the Gold Care plan. 

Select Home Warranty currently allows you to add coverage for the following excluded home components on any plan detailed above:

  • Central vacuum
  • Lawn sprinkler system
  • Pool
  • Septic system
  • Spa
  • Stand-alone freezer
  • Sump pump
  • Well pump

Select’s coverage limits are lower than those of competitors, with most plan items including a $500 upper limit on credit for repairs and replacements (although HVAC systems come with a higher comparable upper limit of $3,000 per item). The $500 limits make Select’s policies less valuable than those of competitors, as water damage is generally expensive to repair. If you’re an investment real estate owner looking for limited protections on a non-owner-occupied property, these lower limits may not be a major concern.

Select’s policy terms don’t exclude water damage from most home components. However, it specifies that water damage sustained to the electrical system is not covered, nor is any damage resulting from freezing pipes. 

Best Coverage Limits

American Home Shield


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Water damage can be costly, so choosing a policy with higher coverage limits is important. American Home Shield (AHS) doesn’t specify an upper coverage limit on home systems, which means that extensive water damage is more likely to be fully covered. It also includes a generous upper coverage cap of up to $4,000 per appliance in your home, above that of most competing providers. 

According to sources like the National Flood Insurance Program (NFIP), water damage can quickly lead to high repair and replacement bills. For example, a single inch of water allowed to accumulate on the floor of your home may cause up to $25,000 in damage. Considering a home warranty with higher coverage limits is especially important if you’re worried about water damage. 

AHS offers some of the most generous coverage limits in the industry, with no upper coverage limit on most home systems. While some home systems are subject to caps with policies issued after March 2023, these are still higher than average compared to competitors. For example, most air conditioning systems will have coverage caps of $5,000. Appliances have coverage limits ranging between $2,000 to $4,000 for most units, which is also generous. 

AHS policies include a standard exclusion for water damage resulting from storms. This may make it a less viable option if you live on a coast. However, plumbing systems have extensive coverage, making it a better choice if you’re mostly concerned about exploding pipes in the winter. 

American Home Shield offers three plan options: the ShieldSilver, ShieldGold, and ShieldPlatinum plans. AHS’s premiums are on the higher end of the spectrum for home warranty providers, and its service fee options range between $100 and $125 beginning in 2023. 

Let’s take a look at what each of these plans cover. 

  • ShieldSilver: The ShieldSilver plan, unlike most home warranty introductory offerings, covers both home systems and appliances. However, its inclusions are more limited than those of other options. This plan includes coverage for an air conditioner, ceiling fan, ductwork, electrical system, garage door opener, heating system, plumbing system and stoppages, a water heater and a whirlpool bathtub. 
  • ShieldGold: The ShieldGold policy covers additional options beyond the ShieldSilver plan. This plan covers everything in the ShieldSilver option, plus a built-in microwave, dishwasher, garbage disposal, instant hot and cold water dispensers, oven, range and cooktop, refrigerator, and a washer and dryer combo.
  • PlatinumShield: The PlatinumShield plan is AHS’s most comprehensive plan choice. This plan covers everything found on the ShieldGold plan, plus limited roof leak repairs, a free annual tune-up for an HVAC system, and unlimited AC refrigerant. 

American Home Shield allows you to make your plan your own by adjusting coverage with add-ons. AHS offers the following optional coverages, each of which includes its own premium charge: 

  • Electronics Protection Plan
  • Guest unit coverage
  • Pool or spa
  • Septic pump
  • Well pump

While select systems include upper coverage limits as high as $5,000, many components don’t include a specific overall limit. This increases the value your policy provides, and may justify higher premiums. Home appliances have individual coverage limits ranging between $2,000 and $4,000 per item, which is on the higher end for the industry.

Water damage resulting from storms is specifically excluded from coverage, but plumbing systems and stoppages are covered. Individually excluded components include high-end features like smart home video doorbells and steam shower heads. 

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Choice Home Warranty


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Rejected home warranty claims are some of the most frustrating aspects of these policies for homeowners — especially when it comes to hazards that are only sometimes covered, like water damage. With a 90% claims acceptance rate, Choice can be a stronger choice for homeowners who have been burned by rejected claims from other providers. 

Why We Chose CHW

We found that denied and rejected claims were the most frequent complaint on third-party review sites like Trustpilot and the Better Business Bureau about home warranty companies.

Choice Home Warranty boasts a claims acceptance rate of 90%, meaning that most customers who file for a repair or replacement following home breakdowns see money saved. Both of Choice’s plans use straightforward contract wording and include a mix of major systems and appliances. These features can make Choice a stronger selection for anyone looking for quick water damage-focused coverage. Its higher-than-average coverage limits of $3,000 per item also make it a great selection in general for often-expensive water issues. 

Unlike most home warranty providers, Choice’s generic protection plans don’t include a specific clause limiting the company’s liability for water damage-related claims. While you should review your service contract for state-specific verbiage, this bonus, combined with more affordable, straightforward offerings, can make Choice a great option for homeowners worried about water damage. 

Choice Home Warranty offers two home warranty plan options: the Basic Plan and the more comprehensive Total Plan. Both policies include a mix of coverage for systems and appliances. Pricing for coverage ranges between $47 and $55 per month, depending on policy selection. 

  • Basic Plan: This plan covers your heating system, water heater, electrical system, plumbing system, plumbing stoppages, oven and range combo, built-in microwave, cooktop, dishwasher, garbage disposal, ceiling and exhaust fans, ductwork, garage door opener and a whirlpool bathtub.
  • Total Plan: The Total Plan includes coverage for all items listed in the Basic Plan, plus a clothes washer, clothes dryer, a refrigerator, and air conditioning system. 

Choice allows homeowners to add the coverage choices below to either plan in most states. Note that add-on coverages include their own monthly premium, which is paid in addition to the cost of the Basic or Total Plan. 

  • Central vacuum
  • Limited roof leak coverage
  • Pool and spa
  • Second refrigerator
  • Septic system
  • Septic tank pumping
  • Stand-alone freezer
  • Sump pumps
  • Well pumps

Choice’s annual coverage limit is $3,000 per individual item, meaning that homeowners are entitled to up to $3,000 in repair or replacement credit for breakdowns they experience on each covered item. Note that coverage limits on optional add-ons max out at $500 for most individual items. 

Choice’s contract does not include a specific section denying responsibility for water damage. However, it does specify that damage that will be covered is only due to normal wear and that flooding is not covered. 

Best Response Time

Cinch Home Services


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When it comes to water damage, prevention is often better than cure. Cinch Home Services provides a $100 annual maintenance credit for each year you don’t file an HVAC systems’ claim, helping you avoid unfortunate breakdowns in the future. As water damage is often the cause of more expensive HVAC system repairs, a policy from Cinch can be a stronger choice for homeowners looking to safeguard themselves against the effects of water damage. 

To get a free quote visit Cinch Home Services online.

Cinch Home Services understands that regular, proactive maintenance brings greater homeowner peace of mind. Each year you don’t file an HVAC home warranty claim with Cinch, you’ll receive a $100 credit for preventative HVAC system maintenance. 

Like most home warranty providers, Cinch excludes coverage for water damage in its standard contract verbiage. This may not make them the top choice for areas where water damage is common. However, if you don’t live in a flood zone and want to add another layer of assurance for your HVAC system, Cinch may be worth considering. 

Cinch Home Warranty offers three plans that cover either your home appliances, built-in home systems or a combination of appliances and systems. 

  • Appliances Plan (starting at $39.99/mo): If you have more appliances in your home than the most basic set, then this is the plan for you. It covers your clothes dryer, clothes washer, cooktops, dishwashers, built-in food centers, freestanding ice makers, built-in microwave, ranges, range exhaust hoods, refrigerators, wall ovens and air conditioning 
  • Built-in Systems Plan (starting at $49.99/mo): A comprehensive systems plan that is ideal for homeowners who have more unique systems in their homes. It covers air conditioning, ductwork, attic fans, ceiling fans, central vacuum, doorbells, electrical systems, garage door openers, garbage disposals, heating systems, instant hot/cold water dispensers, plumbing systems, smoke detectors, sump pumps, toilets, water heaters, Whirlpool bathtubs and air conditioning
  • Complete Home Plan (starting at $54.99/mo): This plan is best for homeowners who want everything covered for a low monthly premium. It covers everything included in both the Appliances and Built-in Systems plans 

Cinch Home Services is comparatively limited in its add-on choices, offering only the following five options: 

  • In-ground pool 
  • In-ground spa
  • Pool and spa combination 
  • Premier package upgrade (extends coverage to include expenses for code violations, permit changes, and more)
  • Well pump

Cinch Home Services has fewer overall exclusions than other providers, and its generous coverage limit is $10,000 annually overall. Each individual appliance also has its own coverage limit of $2,000, which is about average in the home warranty industry. 

Best for Appliance Coverage

First American Home Warranty


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Looking for a basic appliance home warranty plan that won’t break the bank? First American Home Warranty’s (FAHW) Starter Plan is available from $45 per month in most areas. It includes a mix of coverage for major systems and select kitchen appliances with up to $3,500 in annual protection.

To get a free quote visit First American Home Buyers Warranty

FAHW’s most basic plan offering is called the Starter Plan and offers several key benefits over other introductory offerings. 

  • Affordable price: The Starter Plan is available from $45 in many areas, which is lower than the average home warranty cost of $50 per month. 
  • Mixture of systems and appliances: The Starter Plan includes coverage for a mixture of both systems and appliances, making it a viable general option. 
  • Higher coverage limits: First Premier’s generous coverage limits include up to $3,500 in repair and replacement credits for appliances — above the limits of most competitors. 

FAHW’s policies don’t include a specific caveat that excludes all water damage from coverage. However, damage caused by storms and flooding is not covered, and only damage due to normal wear and tear is eligible for a payout. 

First Premier offers three policy options in most areas, with a monthly price of about $45 to $90. Service fees are average, with customers choosing a $75, $100, or $125 service fee. Pricing will vary depending on your selected service fee, with the lowest rates offered to those who opt for a higher fee. 

Let’s take a look at what’s included in each plan. 

  • Starter Plan: FAHW’s Starter Plan is affordable and covers your plumbing system, electrical system, heating system, dishwasher, refrigerator, oven, cooktop, and built-in microwave.
  • Essential Plan: The Essential Plan is an upgraded version of the Starter Plan, including all of the Starter Plan items plus your washer, dryer, water heater, air conditioning, exhaust fans, and garage door opener. 
  • Premium Plan: The Premium Plan is FAHW’s most inclusive offering and can be a valuable choice for homeowners with luxury appliances. This plan includes everything in the Starter and Essential plans plus coverage for high-end smart appliances, garbage disposals, garage door systems, faucets, instant hot water dispensers, trash compactors, window AC units, and mini-split systems. This plan also includes benefits for code violations and accessing units through concrete if it’s required to fix the component of the damaged unit, which are not usually included with home warranties. 

First Premier currently offers the following additional coverage options to buyers: 

  • Additional refrigeration unit
  • HVAC tune-up
  • Limited roof leak
  • Pool and spa equipment
  • Second pool and spa equipment
  • Septic tank pumping and system
  • Water softener
  • Well pump

First American Home Warranty provides generous coverage limits for appliances, with a $3,500 upper limit on replacement or repair costs for most. However, the company also institutes a $1,500 limit per home system covered, which reduces policy usefulness. 

Our Ratings of the Best Home Warranty Providers for Water Damage

View a summary of our top home warranty picks and get free quotes using the table below.

Ranking FactorsSelect Home WarrantyAmerican Home ShieldChoice Home WarrantyCinch Home ServicesFirst American Home Warranty
Plans and Coverage
(out of 24)
(out of 22.5)
Customer Experience
(out of 18.5)
Company Reputation
(out of 17.5)
Claims Process
(out of 12.5)
(out of 5)
Total Score
(out of 100)

How Much Do the Top-Rated Home Warranties for Water Damage Cost?

Expect to pay between $45 and $65 per month, on average, for a home warranty policy, including a $75 to $125 service fee each time you use coverage. Water damage is much more likely to occur in some households than others, which might influence the price you’ll pay for coverage on policies covering this damage source. Some factors that influence your risk of water damage include the following: 

  • Home location: The state you live in will influence the price you pay per month for your home warranty. Expect to pay more if you live in a state like Florida, that experiences more intense weather. 
  • Pre-existing conditions: Pre-existing conditions (like rust or previous breakdowns) can increase susceptibility to water damage. You may be charged more or denied coverage if you don’t have maintenance records proving systems and appliances are in good working order. 
  • Age of systems and appliances: As with pre-existing conditions, older items in your home may be more likely to break down due to water damage, resulting in higher costs. 

The chart below shows a cost summary of our top home warranty choices.

What Do the Top-Rated Home Warranties for Water Damage Cover?

Most home warranty policies don’t cover water damage and include specific terms to limit liability in water damage-related circumstances. When shopping for a home warranty policy that includes water damage, it’s imperative to read through an entire service contract from each company you’re considering working with to learn when any water damage is covered. In particular, pay attention to the section labeled “exclusions,” which lays out situations in which the home warranty provider will not offer a payout. 

Some home warranty providers offer coverage for water damage as a standard term but limit the type of water damage covered. For example, while Choice Home Warranty’s contract does not include a limitation denying coverage for water damage, it specifies no responsibility for flooding-related damage. Before you start shopping, educating yourself on the most common causes of water damage in your area can help you choose a plan that fits your area. 

The table below gives a quick overview of what’s covered and what isn’t by our top five providers.

So, What is the Best Home Warranty for Water Damage?

If you’re like most property owners, your best protection against water damage won’t be found on your home warranty — you’ll find it within the terms of your home insurance policy. A homeowners insurance policy will compensate you for damage to your systems and appliances caused by most major sources of water damage, including natural disasters and heavy rainfall. Water damage is not a common home warranty coverage, as most causes are hazards classified under home insurance protections. 

You can use your homeowner’s insurance policy to shop for complementing home warranty coverage for water damage. For example, if you live in an area known for tropical storm damage, Select Home Warranty’s free roof leak coverage can provide major peace of mind. We recommend getting a quote from each of our handpicked coverage providers to be sure that you’re making the most informed decision possible. 

Best Claims Acceptance Rate
logo choice home warranty
Visit Site
Limited Time: $50 Off + 1 month free when you signup today!
Best Coverage Limit
american home shield
Visit Site
Limited Time: $150 OFF All Home Warranty Plans for new members.
Best for Customization
liberty home guard logo
Visit Site
Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.
Best Overall Value
select home warranty logo
Visit Site
Limited Time: Use code HOUSE25 for $150 off & 2 months free.

FAQs About Best Home Warranties for Water Damage

Exploring home warranty coverage options that include water damage can be a long process, as many plans exclude it. The following are some last-minute answers to questions you might have before continuing to explore affordable and effective home warranties.

Is water damage covered under warranty?

Most home warranties exclude water damage and flooding from coverage, as the situations that cause them are often covered under homeowners insurance hazards. However, the specifics of when you are and aren’t covered vary depending on the terms of your home warranty. Be sure to review your policy terms and ask any questions about water damage before enrolling.

Does home warranty cover leaking windows?

No, a home warranty will not cover leaking windows, as these policies do not cover the physical structure of your dwelling. However, your homeowner’s insurance policy may provide coverage for leaking windows depending on the cause of the leak.

Is fixing hot water in the shower covered under home warranty?

If your home warranty covers your plumbing system and water heater, fixing hot water in the shower will likely be covered. However, if the cause of the hot water outage is anything other than normal usage, you likely won’t be covered.

How long does a home warranty last?

Most home warranties have contract terms that last 12 months. You may be able to pre-pay for multiple years’ worth of home warranty coverage during your original signup and claim a discount depending on your provider.

Does home warranty cover water damage after a storm?

No, any home warranty that covers water damage will only cover damage originating from normal use of home appliances or systems.

Methodology: How We Rank Home Warranty Companies

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can score highest in this category if it offers multiple robust plans that cover all basic systems and equipment, as well as optional add-ons. We examine each company's exclusions and limitations to determine the coverage amounts for each item. Companies with coverage limits of $3,000 or more perform best in this category, and bonus points go to companies that cover unusual items such as electronics and leaky roofs.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quotes process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
Sarah Horvath

Sarah Horvath


Sarah Horvath is a senior-level home service review professional with more than 10 years of experience in the homeownership industry. You can find her writing on sites like Robinhood, MoneyLion, Benzinga, Forbes Advisor, and more. When she's not busy writing, Sarah enjoys spending time in her home in Orlando with her fiance and her parrot.

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Roxanne Downer


Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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