The Best Home Warranties for Sewer Lines (2023)

Are you looking to protect your sewer line and plumbing system with a home warranty? Our review outlines details about top providers and their coverage plans. | Photo Credit: Adobe Stock

Your sewer line carries household waste to the main sewage system located beneath your street. Since the sewer line is buried underneath the ground, repair or replacement usually involves expensive digging or excavation. 

While homeowners insurance covers many damages inflicted by unexpected disasters or perils, it won’t protect your home’s sewer line from problems caused by normal wear and tear. Thankfully, a comprehensive home warranty plan can cover the costs associated with a damaged sewer line.

To help you better understand how to protect your home’s plumbing system, septic tank and sewer line, we looked into the top home warranties for sewer line coverage. We also gathered price information on each provider, receiving quotes for a three-bedroom home in Raleigh, North Carolina, 27610. Keep reading to learn more.

In This Article: 

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

ProviderAverage Monthly CostService FeeBetter Business Bureau (BBB) RatingLearn More
American Home Shield$30–$55$75–$
Cinch Home Services$35–$62$100–$
Select Home Warranty$36–$38$60–$
Liberty Home Guard$40–$60$
America’s First Choice Home Club$40–$53$75–$
2-10 Home Buyers Warranty$22–$60$65–$
First American Home Warranty$36–$38$
Total Home Protection$29–$35$75N/

#1 Best Overall: American Home Shield

American Home Shield (AHS) is a leader in the home warranty industry with over 50 years of experience serving customers across 49 states. The provider allows customers to track claims online, giving them helpful alerts and status updates throughout the process. Additionally, they utilize a network of vetted technicians to address issues while also allowing customers to use their own pre-approved contractor.

American Home Shield offers some of the most comprehensive sewer line protection, covering damage from sediment, rust and corrosion. Its coverage also includes standard protection for mainline and drain line stoppages, $1,000 for repairing pipe access and add-on coverage for septic pumping.

Plan & Cost Breakdown 

American Home Shield offers customers three different plan options: ShieldSilver, ShieldGold and ShieldPlatinum. Read more about the details of each coverage below.

Monthly Cost$24.83–$39.83$34.83–$49.83$54.83–$69.83
Roof-leak repairs  
Air conditioner
Heating unit
Built-in exhaust, vent and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Faucets and valves
Whirlpool tub motor and components
Water heater
Built-in microwave 
Garbage disposal 
Instant hot/cold water dispenser 
Clothes washer 
Clothes dryer 

In addition to comprehensive sewer line protection, American Home Shield offers a handful of add-on coverage options, listed below:

  • Electronics protection plan
  • Pool or spa
  • Guest unit under 750 square feet
  • Septic pump
  • Well pump

While a general price estimate for each of American Home Shield’s plans are outlined in the chart above, the cost of your specific plan can vary. Some of the factors that influence price include your location and selection of add-on coverage. Additionally, the provider allows you to select your own service fee, with a higher service fee lowering your monthly premium and a lower service fee increasing it.

If you want to learn more about sewer line coverage and protection plans from American Home Shield, fill out this easy form or call 844-529-9298.

Home Warranty Resources

#2 Shortest Waiting Period: The Home Service Club

The Home Service Club is a relative newcomer to the home warranty industry, serving customers since 2009. The provider offers coverage to homeowners in all 50 states and Washington, D.C. Additionally, coverage is protected by a 30-day labor guarantee and 90-day parts guarantee.

While the Home Service Club’s Comprehensive Coverage plan protects a variety of items within your plumbing system, it doesn’t come with sewer line coverage. However, the home warranty company does offer a utility and home service line coverage add-on, including your outside water and sewer lines.

Plan & Cost Breakdown 

The Home Service Club offers two different plan options: Standard Coverage and Comprehensive Coverage. Take a look at the cost and details of each coverage option below.

 CoverageStandard CoverageComprehensive Coverage
Monthly Cost$51.25$62.50
​​Air conditioners
Heating system (including heat pumps)
Plumbing system
Water leaks
Water heater
Electrical system
Ceiling fans
Central vacuum(s)
Garbage disposal
Garage door opener
Microwave oven (built-in)
Ovens, ranges, and cook-tops
Trash compactors
Food centers (built-in)
Plumbing stoppage ✔
Clothes washer/Clothes dryer
Freestanding ice makers
Gas leaks 
Sump pump 
Whole-house exhaust and attic fans 
Instant hot/cold water dispenser 
Pest control 
Telephone wiring 
Alarm wiring 
Smoke detectors 
Whirlpool motor and pump assemblies 
Plumbing stoppage coverage 

The Home Service Club also offers a handful of additional coverage options, listed below:

  • Sprinkler system line coverage
  • Freestanding freezer
  • Refrigerator built-in unites with dual compressors
  • Well pump
  • Water softener
  • Jetted bathtub
  • Roof coverage
  • Pool and spa equipment
  • Spa and spa heater
  • Sewage ejector pump
  • Utility and home service line coverage

While we listed an estimate of each plan’s cost in the table above, the price of your specific coverage will vary based on your location and add-ons selected. Your monthly premium also varies based on your service fee, which can be between $65 and $125.

To get a free quote from the Home Service Club, fill out this simple quote form or call a customer service representative at 800-842-9334.

Find the Best Home Warranties for You

#3 Best for Value Shoppers: Select Home Warranty

Select Home Warranty offers affordable and comprehensive plans to homeowners in 46 states, excluding Nevada, New York, Washington and Wisconsin. The provider also offers coverage on rental properties, mobile homes, manufactured homes and condos. Additionally, Select maintains a vetted network of local professionals to help complete your service request.

Select Home Warranty covers stoppages in drains, vents and sewer lines within 100 feet of the access point. The provider also includes protection against plumbing stoppages in its most comprehensive plan and offers septic system coverage as an add-on.

Plan & Cost Breakdown 

Select Home Warranty has three different plan options: Bronze Care, Gold Care and Platinum Care. Take a look at the cost and coverage details of each plan below.

CoverageBronze CareGold CarePlatinum Care
Monthly Cost$44.42$44.42$49.83
Air conditioning and cooling 
Electrical system 
Heating system 
Plumbing system 
Water heater 
Garbage disposal 
Built-in microwave 
Clothes washer 
Clothes dryer 
Garage door opener  
Plumbing stoppages  
Ceiling fan  

Select Home Warranty also offers homeowners a variety of additional coverage options to help them complete their coverage, listed below:

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

The cost of your Select Home Warranty plan varies based on your selected plan, location and add-ons. The provider offers relatively low service fee options, typically between $75 and $100. Additionally, Select Home Warranty typically offers two months of free coverage when customers pay for its plan in one lump sum.

To get a free quote from Select Home Warranty, fill out this quick form or call 888-370-3956.

#4 Most Comprehensive Claim Coverage: First American Home Warranty

Despite being available in only 35 states, First American Home Warranty offers some of the most comprehensive claims coverage on this list. Its First Class Upgrade provides customers with some of the most unique coverage in the industry, covering services like haul away, cranes or lifting equipment, building permits and more.

When it comes to sewer line coverage, First American Home Warranty is a reliable choice. The provider covers clogs within 125 feet of the access point, more than most competitors in the industry. Additionally, First American Home Warranty covers damage due to rust and corrosion and offers $500 for repairing pipe access.

Plan & Cost Breakdown 

First American Home Warranty offers two different plan options: Basic Plan and Premier Plan. Take a look at the cost and coverage details of each plan below.

CoverageBasic PlanPremier Plan
Monthly Cost$37$49.50
Garbage disposal
Trash compactor
Clothes washer and dryer
Plumbing system ✔
Plumbing stoppages 
Heating system 
Water heater 
Electrical system 
Garage door opener 
Central vacuum system 

First American Home Warranty also offers a handful of additional coverage options, listed below: 

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool and spa equipment
  • Well pump
  • First Class Upgrade
  • Septic tank pumping system
  • HVAC tune-up

Unlike other home warranty providers that give customers a choice in their service fee, First American Home Warranty sets its fee at $85. This is a bit above the industry average of $75. Additionally, while the above chart demonstrates an example of the plan rates, the cost of yours will vary depending on additional add-ons and location.

For a quote on protecting your sewer line or other systems and appliances, get a quote online or call 800-891-9778.

Final Thoughts

While all included providers help you protect your sewer line and plumbing systems, our top choice is American Home Shield. The provider offers three comprehensive plans and protection for both mainline and drain line stoppages. Additionally, they offer up to $1,000 for repairing damaged pipe access.

Another excellent option is First American Home Warranty, which covers clogs within 125 feet of the access point, more than most providers. The provider also offers comprehensive add-ons, such as well pump and septic tank coverage.

What Is a Home Warranty?

A home warranty helps prevent you from paying expensive, out-of-pocket costs for repairing or replacing a broken down system or appliance. This coverage is starkly different from homeowners insurance, which covers home repairs caused by a natural disaster or other unexpected events, such as a hailstorm.

Purchasing a comprehensive home warranty plan gives you peace of mind that your appliances and systems are covered, even when giving out due to normal wear and tear. Most plans are yearly contracts paid month to month. 

When you have an issue in your home, you can file a claim and a vetted technician will come to assess the damage. At this time, you’ll owe a set service fee, typically between $75 and $150. Most providers don’t cap the number of service calls made for covered repairs but do limit coverage at a particular dollar amount.

What Does a Home Warranty Cover?

Most home warranty companies offer coverage for a range of systems and appliances, detailed below:

  • Air conditioning
  • Heating system
  • Electrical system
  • Plumbing system
  • Water heater
  • Refrigerator
  • Oven/Range/Stove
  • Cooktop
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Clothes washer
  • Clothes dryer
  • Garage door opener

Does Homeowners Insurance Cover a Sewer Line Repair?

Homeowners insurance may cover sewer lines if they’re damaged during an unexpected peril, such as a fire. However, most providers will only cover the interior damage to your home caused by a busted sewer line.

How Do I Know if My Sewer Line Is Broken?

A broken sewer line can cause serious damage to your home and its surrounding area. Here are some warning signs to look for if you suspect your sewer line is broken:

  • Slow drains
  • Lawn indentations
  • Insect or other pest infestations
  • Pools of septic waste
  • A foul, sulfuric smell akin to rotten eggs

How Much Does It Cost To Fix a Broken Sewer Line?

According to HomeAdvisor, the cost of repairing a sewer line can range from $50 to $250 per foot, with most homeowners spending between $1,194 and $4,459. However, this cost is influenced by a number of factors, including the sewer line type and the damage severity.

Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.


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