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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.
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.
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:
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.
CHW offers two home warranty plans and optional add-ons:
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.
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).
Select Home Warranty has a “good,” “better,” and “best” plan available to its customers:
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.
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.
American Home Sheild offers three different plans:
Plus, you can get optional add-ons like:
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.
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.
HSC offers two coverage plans and optional add-ons:
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.
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.
CHS has three plans with different levels of coverage:
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.
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.
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.
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.
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.
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:
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.
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.
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 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.
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.
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.
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.
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.
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.
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.
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.
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:
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