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The 5 Best Home Warranty Companies for Water Damage (2022)

By Jon Jachura

Water damage can be a significant problem in a home. It can lead to mold, structural damage, and other expensive problems. That’s why it’s crucial to have a good home warranty company that will cover water damage. Many leading home warranty companies cover water damage caused by appliances, home systems, and other issues.

Your home insurance policy might cover water damage, but home insurance typically has a high deductible, and you may have to pay out of pocket for some repairs. A home warranty can provide coverage for water damage with a much lower deductible, saving you hundreds to thousands of dollars. But, it can be challenging to find the best home warranty company for water damage.

We’ve researched and put together a list of the best home warranty companies for water damage. These companies have been vetted and have great coverage for water damage repairs.

Why Trust House Method

  • 63 companies reviewed
  • 41 key factors analyzed
  • 2583 data points parsed
  • 885 homeowners surveyed
  • 57 service contracts scrutinized

House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.

The Best Home Warranty Companies for Water Damage in 2022

While home warranty companies don’t cover flooding (you’ll need separate flood insurance for that), many will cover water damage caused by burst pipes, leaks, and other plumbing issues.

Not all home warranty companies are created equal, though. Some have better coverage for water damage than others. The best ones have excellent customer service, comprehensive policies, reasonable pricing, excellent reviews, and more. 

To help you find the best home warranty company for your needs, we’ve researched the best home warranty companies for water damage based on the criteria above and compiled the top five companies here: 

  1. Choice Home Warranty – Best overall
  2. Select Home Warranty – Most cost-effective plans
  3. American Home Shield – Best customizable plans 
  4. The Home Service Club – Quickest service 
  5. Cinch Home Services – Best workmanship guarantee
Best For
Rating
Monthly Cost
Service Fee
Response Time
Payout Limit (per item)
States Covered

Best For

Best Overall

Rating
Monthly Cost

$45-$53.33

Service Fee

$85

Response Time

24-48 hours

Payout Limit (per item)

$3,000

States Covered

49 states

Best For

Most Cost-effective

Rating
Monthly Cost

$57.67-$62.08

Service Fee

$60

Response Time

2-48 hours

Payout Limit (per item)

$250-$3,000

States Covered

46 states

Best For

Most Customizable

Rating
Monthly Cost

$29.27-$74.27

Service Fee

$75-$125

Response Time

24-72 hours

Payout Limit (per item)

$6,000

States Covered

49 states

Best For

Quickest Service

Rating
Monthly Cost

$50-$62.90

Service Fee

$60-$90

Response Time

12-48 hours

Payout Limit (per item)

$500-$2,000

States Covered

all states

Best For

Most Trustworthy

Rating
Monthly Cost

$69.99-$79.99

Service Fee

$75

Response Time

24-48 hours

Payout Limit (per item)

$500-$2,000

States Covered

48 states

1. Choice Home Warranty

Choice Home Warranty (CHW) is our top pick for the best home warranty company for water damage because it offers great coverage, reasonable pricing, and outstanding customer service. It also has a wide range of home warranty plans and coverage options to choose from, so you can find one that fits your budget and needs. 

They’ve been in business for nearly 15 years and are a top choice amongst homeowners, real estate investors, and landlords. One of the best things about Choice Home Warranty is that they have a flat service call fee of $85 – an industry standard. 

Choice Home Warranty is available nationwide except for WA

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Key Highlights

  • Has a 60-day workmanship guarantee on labor and 90 days for parts 
  • Within 48 hours of submitting your claim, they will dispatch an in-network technician 
  • Live claim services with fast response times are available 24/7 every day of the year, allowing you to access your policy benefits no matter the hour

Plans, Cost, and Coverage

CHW offers two home warranty plans and optional add-ons:

  • The Basic Plan ($45 per month / $560 per year): This home warranty plan is more affordable and covers your 14 essential home systems and major appliances such as clothes dryer, clothes washer, air conditioning systems, refrigerators, kitchen appliances, and more.
  • The Total Plan ($53.33 per month / $660 per year): This is their most comprehensive home warranty plan and covers the repair or replacement of 18 major systems and appliances, including HVAC systems, plumbing systems, hot water heaters, cooktops, dishwashers, and many more.
  • Optional Add-Ons ($40-$180 per year): Provides nine additional add-on items and systems such as standalone freezers, well pumps, sump pumps, septic systems, septic tank pumping, pools/spas, and limited roof leaks.
  • Services Fees: $85

For a free quote from CHW, call them at 929-400-6164 or fill out this online form.

Continue reading about this home warranty provider in our full Choice Home Warranty review.

2. Select Home Warranty

Select Home Warranty (SHW) is one of the most cost-effective home warranty companies out there. They have three home warranty plans to choose from, all of which are very affordable and offer great coverage for water damage. In addition, they offer a variety of home warranty add-ons so you can customize your coverage. 

They have one of the lowest service fees of the leading home warranty providers. Plus, they have a B rating on Better Business Bureau and a great rating on TrustPilot (3.8/5 stars).

SHW has been in business since 2009 and is available in 46 states (excluding NM, NV, WA, and WY).  One of the best things about Select Home Warranty is that they cover roof leak repairs of occupied living areas of single-family homes (excluding patios). 

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Key Highlights

  • No transfer fees if you pass the policy to new owners when you sell your home 
  • Repair guarantee of 90 days 
  • Lower service fees compared to other home warranty providers

Plans, Cost, and Coverage

Select Home Warranty has a “good,” “better,” and “best” plan available to its customers:

  • The Bronze Care Plan ($58 per month / $630 per year): Covers eight home systems and appliances, including your clothes dryer, clothes washer, oven, cooktop, dishwasher, built-in microwave, refrigerator, and garbage disposals.
  • The Silver Care Plan ($57.67 per month / $630 per year): Covers six home systems and appliances, including everything in the Bronze Plan plus your AC unit, heating system, plumbing, electrical, water heaters, and ductwork.
  • The Gold Care Plan ($62.08 per month / $699.99 per year): Covers all systems and appliances in the Bronze and Silver Plans plus ceiling fans, plumbing stoppages, and garage door openers.
  • Optional Add-Ons ($39.99-$99.95 per year): Provides additional coverage for extra refrigerators, stand-alone freezers, ice makers, central vacuum systems, light fixtures, outlets, electrical switches, well/sump systems, lawn sprinkler systems, pools/spas, septic systems, and roof leaks.
  • Service Fee: $75 to $125, depending on the state

Get your free quote from Select Home Warranty today by completing this form or calling 888-370-3953.

For further details, check out our Select Home Warranty review

3. American Home Shield

American Home Shield is one of our top picks for the best home warranty company for water damage. It’s one of the oldest and largest home warranty companies, with over 45 years of experience and more than 1.3 million customers.

It has an A+ rating from the Better Business Bureau (BBB) and coverage for water heaters, sump pumps, well pumps, and more. American Home Shield also offers optional coverage for pools and spas.

American Home Shield provides various optional add-ons to its home warranty plans, which is excellent for homeowners who want to customize their coverage. Or you can choose their ShieldPlatinum plan to include every option, including coverage for dishwashers, clothes washers, plumbing, and other appliances that can leak and cause water damage.

American Home Shield is available in every U.S. state besides AK

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

Key Highlights

  • Preliminary property inspections are not needed for enrollment
  • Depending on your plan, annual coverage caps are $3,000 or $6,000 per appliance, which is better than the industry average
  • Customers can pick three different deductible levels depending on if they want to pay more for better coverage or pay a higher price when they need service

Plans, Cost, and Coverage

American Home Sheild offers three different plans:

  • SheildSilver ($29.27- $44.27 per month / $347.88 – $527.88 per year): starts at $29.27/month and covers 19 home systems, including water heaters, sump pumps, electrical systems, ductwork, interior plumbing, and more.
  • ShieldGold ($39.27 – $54.27 per month / $467.88 – $647.88 per year): starts at $39.42/month and covers 21 home systems like the Silver plan plus additions like clothes washers and dryers, dishwashers, and refrigerators.
  • ShieldPlatinum ($59.27 – $74.27 per month / $711.88 – $891.88 per year): starts at $49.57/month and covers 27 home systems and appliances as well as automatic roof leak coverage. 
  • Service Fee: $75, $100, or $125

Plus, you can get optional add-ons like: 

  • Water backup and sump pump overflow
  • Guest house (up to 750 square feet)
  • Pool and spa equipment 
  • Septic system 
  • Well pumps

To get a free quote from AHS, fill out this form or call them at  888-365-2839.

And to learn more about American Home Sheild’s coverage, read our full review

4. The Home Service Club 

The Home Service Club (HSC) is one of the best home warranty companies for water damage because it offers comprehensive coverage for home systems and appliances like water heaters, sump pumps, well pumps, and more. HSC covers every U.S. state, unlike many home warranty providers.

Plus, the ten-day waiting period following enrollment in HSC’s home warranty is one of the shortest in the market, allowing homeowners to utilize their home warranty much sooner than the typical 30-day waiting period of other leading providers.

The Home Service Club has 11 optional add-ons for its customers to choose from. HSC’s roof add-on covers water damage to the roof’s layers caused by rainfall and natural weathering. And unlike many other providers, their roof leak coverage includes attached garages. 

Quickest service

  • Offers 2 plans + optional add-ons for over 10 items
  • Covers items regardless of their age, make, or model
  • Provides high coverage caps on essential systems and appliances
  • Has real estate home warranty plans

Key Highlights

  • The entry-level plan covers 18 essential appliances and home systems – many more than other leading home warranty providers
  • A 30-day workmanship guarantee on labor and 90 days on parts for all sponsored repairs 
  • Free home warranty coverage for homeowners who are selling their home

Plans, Cost, and Coverage

HSC offers two coverage plans and optional add-ons: 

  • Standard Coverage Plan ($50 per month / $650 per year): Covers 18 home systems and appliances like water heaters, ductwork, electrical systems, HVAC,  electrical, and more. 
  • Comprehensive Coverage Plan ($62.90 per month / $800 per year):  Covers everything in the Standard Coverage Plan plus waster/water/gas line leaks, telephone and alarm wiring, plumbing stoppages, and more – 33 systems and appliances in total. 
  • Optional Add-Ons ($3.33 to $16.66 per month): Includes coverage for water/sewer/gas/power lines, sprinkler irrigation, well pumps, water softeners, jetted bathtubs, sewage ejector pumps, freestanding freezers, and more.
  • Service Fee: $60, $75, or $95 

For a free quote from The Home Service Club, fill out this online form or call 800-842-9334.

To learn more about this home warranty provider, check out our review of The Home Service Club.

5. Cinch Home Services

Cinch Home Services (CHS) has been around for over 40 years, providing its customers with comprehensive home warranties. It is one of the top home warranty companies for water damage because it offers a wide range of home protection plans that cover home systems, appliances, and even your swimming pool (with optional add-ons). CHS home warranty plans are available in the contiguous states (i.e., not available in AK and HI).

Cinch Home Services holds an A- rating from the Better Business Bureau (BBB) with over 300 reviews and a 3.9/5 star TrustPilot rating.

ServicePlus home warranty plans have low service fees, so if you need a home system or appliance repaired, the repair won’t empty your wallet.

Best Workmanship Guarantee

  • Offers 3 plans under $62 per month
  • Allows customers to choose between a $100, $125, or $150 service call fee
  • Covers repairs with a 180-day workmanship guarantee
  • Lets customers cancel for free within 30 days of their contract start day

Key Highlights

  • Covers home repairs with a 180-day workmanship guarantee – much longer than other leading home warranty providers
  • Customer service is available 24/7/365, so they’re available whenever you need them
  • Low-cost plans start at $27.99 per month, covering basic appliances 

Plans, Cost, and Coverage

CHS has three plans with different levels of coverage: 

  • Appliances Plan ($27.99 per month / $355.88 per year): Covers 12 essential home appliances, including built-in microwaves, built-in food centers, dishwashers, cooktops, clothes washers, clothes dryers, refrigerators, and more.
  • Built-in Systems Plan ($32.99 per month / $395.88 per year): Covers 16 essential home systems, including air conditioners, attic fans, ceiling fans, doorbells, plumbing systems, heating systems, garbage disposals, garage door openers, toilets, sump pumps, and more.
  • Complete Home Plan ($39.99 per month/ $479.88 per year): This combo plan covers everything included in the Appliances and Built-in Systems Plans plus a homeowners insurance policy deductible reimbursement of $500.
  • Service Fee: $100, $125, or $150

For a free quote from CHS, fill out their online form or call them at 833-743-1056.

To learn more about Cinch Home Services, read our full review

What is a Home Warranty?

A home warranty is a type of insurance policy that covers repairing or replacing home systems and appliances. Most home warranties include coverage for water heaters, plumbing, sump pumps, and more. Some home warranty companies also offer optional add-ons for things like pools, sprinkler systems, and jetted tubs – all of which can leak and cause water damage.

As you browse different home warranty policies, you might not see water damage mentioned specifically. But what you really need to look for is coverage for appliances and home systems that can leak and cause water damage. 

Who Needs a Home Warranty for Water Damage?

A home warranty for water damage is a good idea for any homeowner who wants peace of mind regarding home repairs. If you’re worried about the cost of repairing or replacing a home appliance or system, a home warranty can help take the financial burden off of your shoulders. 

Home warranties with coverage for water damage are also a good idea for people who don’t have the time or knowledge to repair things themselves. With a home warranty, you can simply call the customer service line, and they’ll send a technician out to take care of the problem for you. 

What Does a Water Damage Home Warranty Cover?

As we mentioned before, home warranties with water damage coverage will typically cover appliances and home systems that can leak and cause water damage. This might include your water heater, plumbing, sump pump, washing machine, and more. 

Some home warranty companies also offer optional add-ons for pools, sprinkler systems, and jetted tubs – all of which can leak and cause water damage. If you have any of these things in your home, it’s a good idea to add them to your home warranty policy to cover potential water damage.

How Much Does a Water Damage Home Warranty Cost?

The cost of a home warranty with water damage coverage will vary depending on the home warranty company you choose, the level of coverage you need, and any optional add-ons you select. However, most home warranties with water damage coverage start at around $30 per month.

The leading home warranty providers typically don’t cover “water damage” alone. Instead, the coverage would fall under a particular appliance or home system that can leak and cause water damage – like your air conditioner, dishwasher, plumbing, septic system, or clothes washer.

For most home warranty providers, you will need add-on coverage for items such as swimming pools, spas, residential well pumps, sewer lines, sewage ejector pumps,  your roof, and so forth. So, check with the provider to ensure you have adequate water damage coverage in your new home. 

How Does a Home Warranty for Water Damage Work?

The way home warranties for water damage work is relatively straightforward. Let’s say you notice water damage, and it is caused by a covered appliance or home system. In that case, an approved repair company would come out and fix the damage, and you would pay a service fee. Here’s how the process works in detail:

Purchase a Home Warranty

Of course, you must have a home warranty from a leading provider to make a claim. So, if you’re worried about water damage in your home, get a policy from one of the home warranty companies we recommended above. 

Your Home Gets Damaged by Water

Say you notice water leaking from your downstairs ceiling. When you go upstairs, you find that your clothes washer is leaking through a gasket that got worn down through normal wear and tear. 

Contact Your Home Warranty Service Provider

Assuming your clothes washer is covered by your home warranty plan, you would call your home warranty provider, who will arrange for a pre-screened repair company to come out to your home. 

The Provider Fixes the Water Damage, and You Pay a Service Fee 

The repair company will then determine if the water damage (and clothes washer leak) is covered, and they will repair it. If the water damage repair is authorized, you’ll only be charged for the service call – usually $75-$125, depending on your state and the home warranty company. 

Know You Coverage Caps and Policy Limits

Every provider has different coverage and add-ons. The best way to reduce a potential claim denial is by reading a sample contract from each home warranty provider you’re considering for coverage. 

Frequently Asked Questions About Home Warranties with Water Damage

What is the best home warranty company for water damage?

The best home warranty company for water damage is the one that offers comprehensive coverage of home systems and appliances that can leak water. In our opinion, Choice Home Warranty provides the best coverage at an affordable price.

However, any of the five home warranty providers we recommend in this guide are good choices. But be sure to read the fine print of any home warranty policy before purchasing it, so you know exactly what’s covered and what’s not.

Does a home warranty cover pool leaks?

Most home warranty companies offer optional add-on coverage for pools, so you’ll likely be covered if your pool leaks if you pay for the add-on coverage. But again, it’s important to read the fine print of your home warranty policy to know if it is covered or not.

Why is a home warranty necessary?

A home warranty is necessary for anyone who wants peace of mind when it comes to home repairs. If you’re worried about the cost of repairing or replacing a home appliance or system, a home warranty can help take the financial burden off your shoulders.

Home warranties save you from large, surprise expenses and the headache of finding a qualified repair technician. With a home warranty, you simply call the customer service line, they’ll take care of everything for you, and you pay a small service fee.

Do Home warranties cover leaking pipes?

Home warranties typically cover home systems and appliances that can leak water, like your plumbing. Just make sure your home warranty policy covers leaking pipes and plumbing before you purchase it.

Water damage from leaking pipes is one of the most common – and costly – home repairs. And while your home insurance might cover some water damage, it likely won’t cover everything. That’s where a home warranty comes in.

A home warranty with water damage coverage will protect you from the high cost of repairing or replacing home systems and appliances that leak water. And while the monthly premium is an added expense, it’s nothing compared to the cost of repairing water damage.

What plans are offered under a home warranty?

Most home warranty companies offer different levels of coverage, so you can choose the plan that best fits your needs. For example, some home warranty companies offer a basic plan covering your home’s major systems, like your electrical and plumbing systems. 

Other home warranty companies offer more comprehensive plans that cover additional home systems and appliances, like your air conditioner, dishwasher, and clothes washer.

Some home warranty companies offer add-on coverage for pools, spas, and other home amenities. Be sure to compare the different plans provided by home warranty companies before you purchase a policy. 

Final Thoughts

A home warranty with water damage coverage is a must-have for any homeowner. Water damage is one of the most common – and costly – home repairs, and your home insurance likely won’t cover it all. 

A home warranty will protect you from the high cost of repairing or replacing home systems and appliances that leak water and the water damage they cause. And while the monthly premium is an added expense, it’s nothing compared to the cost of repairing water damage. 

When shopping for a home warranty, compare the different plans offered by home warranty companies. Some home warranty companies offer basic plans covering your home’s major systems, while others offer more comprehensive coverage. And some home warranty companies offer add-on coverage for pools, spas, and other home amenities. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. 

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five. 

Here is a quick breakdown of our five core scoring categories: 

  • Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
  • Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
  • Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
  • Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive. 
  • Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.

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