Top 6 Best Home Warranty Companies for Plumbing (2021)

By Laura Hodges

The plumbing system is one of the most essential systems in a home. When you purchase your home you will have to ensure that the plumbing system is free of issues and ready to function for years to come. Plumbing stoppages, breaks in the line, and other unexpected issues can occur over time. This is where the home warranty comes into play.

In this guide, we will show you:

  • The top 6 best home warranty companies for plumbing
  • How to choose a home warranty company 
  • What does a plumbing home warranty cost
  • And much more . . . 

Finding the best home warranty for your home is essential to protecting your home’s appliances and systems and saving you thousands in the long-run. Keep reading to find out more.

There are several coverages to look for on a home warranty policy to ensure that your plumbing system is covered. In addition to the basic plumbing coverage, many plans also offer coverage for plumbing stoppages and for toilets as well. We have put together the top six best home warranty companies for plumbing. 

Our Top 6 Home Warranty Companies for Plumbing

  1. Best Overall: Choice Home Warranty
  2. Most Customizable: American Home Shield
  3. Most Cost-Effective: Select Home Warranty
  4. Most Trustworthy: Liberty Home Guard
  5. Best Appliance Coverage: First American Home Warranty 
  6. Best for Immediate Service: ServicePlus Home Warranty

One of the major issues with plumbing repair and replacement is the diagnosis. Plumbers will come to the home and charge hundreds of dollars just to determine what the underlying issues are. With a home warranty, homeowners are only responsible for a service fee. To determine which of these top six best home warranty companies for plumbing deserved the top spot we did quite a bit of comparison. We looked at coverages, BBB ratings, overall pricing, service fees, response times, total claims paid out, and more. Here is how the top six home warranty companies for plumbing ranked. 

Compare Home Warranty Providers

Provider Visit Site Monthly Cost Service Fee BBB Rating States Covered
Choice Home Warranty  Get a free quote Basic Plan: $45/month

Total Plan: $53.33/month

$85 B- 47 states, not including CA, NV
American Home Shield  Get a free quote  ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 B 49 states (Not including AK)
Select Home Warranty  Get a free quote Bronze: 36/month

Gold: $36/month

Platinum: $38/month

$75 B 46 states(Not including NV, NY, WA, WI)
Liberty Home Guard Get a free quote  Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$75 A+ 45 states (Not including CA, WA, WY, WI, IL)
First American Home Warranty Get a free quote  Basic Plan: $38/month

Premier Plan: $48.50/month

$85 B 33 states (not including AL, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, WI)
ServicePlus Home Warranty  Get a free quote  Gold Plan: $53.67/month

Platinum Plan: $60.33/month

$75 NR 46 states (not including CA, NY, NV, WA)

1. Choice Home Warranty

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

Choice Home Warranty is the best overall home warranty for plumbing. The Choice Home Warranty company has been on the market for more than 13 years. They have put together two combo or comprehensive plans that include both systems and appliances during that time. The great news for homeowners is that both the Basic Plan and the Total Plan have plumbing coverage. With Choice Home Warranty, you can expect excellent customer service and fair pricing. 

The plumbing coverage from Choice has a $3000 policy limit on stoppages and a $500 limit for plumbing. The stoppages limit is relatively high and helps improve the value of the Choice Home Warranty plan. Coverage will help protect against leaks, toilet tanks, toilet wax ring seals, sump pumps, built-in bathtub whirlpool motor, pump, and stoppages and clogs in the drain line. 

Pros

  • Straightforward service contract 
  • 90-day workmanship guarantee
  • Fair pricing for combo plan
  • Plenty of add on options
  • More than 13 years in the industry

Cons

  • No ability to build a custom plan 

Plans and Pricing

Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

Coverage

The great news about a Choice Home Warranty plan is that you won’t be limited to just the plumbing coverage. All plans are going to have a variety of systems and appliances covered under the plan. In addition, some of the coverage limits are quite high. The Total Plan tends to be the most popular because of the range of coverage options. 

Choice Home Warranty makes purchasing a home warranty quite simple. You will not need to know much about this process to understand the details of the Choice Home Warranty service contract.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

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

American Home Shield  is a premium home warranty company for plumbing. The first thing that stands out about American Home Shield is the ability to customize your home warranty plan to include plumbing. If you are serious about your home warranty policy and ensuring that it adequately covers your entire home, American Home Shield is a smart company to consider. AHS has been on the market for more than 50 years, making them a trusted resource in the industry. 

The plumbing coverage from American Home Shield comes with a limit of $1000; additionally, there is additional coverage for stoppages that comes with another $1000 limit. The coverage includes things like water or drains line leak or break; angle stops, faucets, showerheads, gate valves, and toilet wax ring seals. 

Pros

  • More than 50 years in the industry 
  • Customizable plans
  • Payment plan choices 

Cons

  • Pricing tends to be a bit higher than some other providers 

Plans and Pricing

Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

Coverage

Most of the plans that American Home Shield offers will have plumbing coverage associated with them. However, you can always customize an AHS plan to work for your home and budget. The claims that AHS pays out each year are quite high and give homeowners peace of mind that their plumbing issues will not be denied. 

If you want a home warranty with premium coverage, top-of-the-line customer service, and a very high claim approval rating, the American Home Shield plan is the way to go.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839

To read more, visit our American Home Shield review.

3. Select Home Warranty

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

Select Home Warranty is a very reasonably priced choice for home warranties for plumbing. Most homeowners do not have lots of extra money lying around to spend on a home warranty. Select Home Warranty is well aware of this fact and will help homeowners by keeping the policy price reasonable. In addition, with every Select Home Warranty policy, free roof leak coverage is included. 

The Select Home Warranty plumbing coverage has a $500 limit and will protect against various issues. The coverage includes line breaks, toilet bowls, toilet tanks, flushing mechanisms, angle stops, and risers. As you will notice, the plan is a bit more limited in both limit and coverage, but that is a direct result of the fair pricing of the policy. 

Pros

  • Easy to work with 
  • Free roof leak coverage with each plan 
  • Excellent value for the coverage provided 
  • Has more than nine years of experience in the industry 

Cons

  • Coverage caps are not as high as some other plans
  • It won’t provide complete customization like the AHS plans 

Plans and Pricing 

Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

Coverage

When you look at the AHS coverage for the value of the plan, it is quite good. However, when comparing the coverage to the Choice Home Warranty or American Home Shield, you will see the pricing discrepancy related to these issues. Overall, Select Home Warranty is a good choice for those homeowners that want peace of mind without spending a lot of money. 

Keeping monthly expenses down can be difficult and even more difficult if a plumbing break or stoppage occurs. Therefore it makes sense to invest in the Select Home Warranty before a major problem happens.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard  is a newer home warranty company that provides a great deal of plumbing coverage for homeowners. With the Liberty Home Guard plan, you will get up to $1600 in coverage for your plumbing system. The plan includes things like sump pumps, bathtubs, stoppages and clogs, valves, diverter angle stops, and more. In addition, there is a $500 bonus on the plan that allows for access to the plumbing issues. This means if a wall needs to be broken into, LHG will cover it up to $500 and return it to rough condition. 

The Liberty Home Guard home warranty has only been on the market for the last two years. Yet, in that time period, they have managed to maintain an A rating with the BBB. When you call LHG with an issue, they respond quickly and are extremely helpful with their customer service.  

Pros

  • Good speed of service
  • It has a 60-day workmanship guarantee
  • An extensive list of add on coverages
  • 365 days a year of customer help and service 

Cons

  • Priced a bit higher than other companies
  • Newer home warranty company 

Plans and Pricing 

Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

Coverage

Overall the Liberty Home Guard coverage under the Total Home Guard plan s some of the broadest on the market. You can also include add on options to make the plan even more comprehensive. 

One of the most important factors in selecting a home warranty company is getting in touch with them should an issue occur. Liberty Home Guard makes themselves available to homeowners 24 hours a day, 365 days a year.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281

To learn more information, visit our Liberty Home Guard review.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is a comprehensive home warranty service provider with a simple and straightforward policy to include the plumbing system. The First American Home Warranty has been on the market for more than 30 years and is considered a leader in the industry. With First American Home Warranty, you will get fair pricing and excellent speed of service. 

The plumbing coverage from First American includes coverage for hot water pumps, whirlpool bath motors, sump pumps, valves, and pressure regulators. The $500 limit for plumbing and stoppages is a bit restrictive, but the overall price of the policy and service fee will help you to see the value associated with this plan. 

Pros

  • Excellent appliance coverage for new construction homes
  • Fair pricing 
  • Some systems with no coverage caps
  • Option for 24/7 service calls 

Cons

  • The contract can be a bit confusing with lots of technical terms 

Plans and Pricing

Plan Price Per Month Price Per Year
Basic Plan  $38 $456
Premier Plan  $48.50 $582

Coverage

The First American Home Warranty is an affordable policy with great adequate plumbing coverage. For homeowners who want simplicity in a plan and work with a company that really knows what they are doing, First American Home Warranty is a great choice. 

The time spent in the industry, combined with the clearly laid out coverages and limitations, makes First American Home Warranty a stress-free home warranty provider.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164

To find out more, read our First American Home Warranty review.

6. ServicePlus Home Warranty

Best For Immediate Service

  • Offers 2 plans + optional add-ons
  • Provides a 24/7 claims hotline open 365 days a year
  • Has a 90-day parts guarantee
  • Allows customers to make unlimited service calls

our rating8.9

ServicePlus Home Warranty is an excellent home warranty company when it comes to plumbing. The ServicePlus Home Warranty specializes in speedy and effective service for your home. With about five years in the industry, ServicePlus has built a strong relationship with many plumbers around the country. This allows the company to respond to service calls at a very fast rate. 

The ServicePlus home warranty plumbing coverage is quite extensive. Issues such as leaks, stoppages, sump pumps, valves, diverter angle stops, toilet wax ring seals, and more are covered under the plan. In addition, if walls or ceilings need to be repaired, there is $500 in additional coverage for that purpose. The overall plumbing coverage limit from the ServicePlus home warranty is $500. 

Pros

  • Very easy to place a claim 
  • Fair pricing
  • Combo plan with systems and appliances is a good value 
  • Unlimited service calls 

Cons

  • Not BBB accredited 

Plans and Pricing

Plan Price Per Month Price Per Year
Gold Plan  $38 $456
Platinum Plan  $48.50 $582

Coverage

Coverage from ServicePlus tends to be very comprehensive, especially when considering the platinum plan. The trouble many homeowners run into with ServicePlus is that the coverage caps or limits are pretty low. If you want to ensure you have coverage for a complete repair, you may need to choose something like Choice Home Warranty or American Home Shield. 

Overall for the pricing and speed of service, it makes sense to get a quote from ServicePlus. Remember that speed of service is quite essential when it comes to a plumbing issue in your home. If there is a stoppage or block, it will likely impact the entire house.

To get a free quote from ServicePlus Home Warranty, you can fill out this online form or call 478-210-5091

Does Your Plumbing Need A Home Warranty?

There are some systems and appliances around the home that you can live without for a few days. If you need to wait for repairs or save up money for a fix, you can probably get by without your microwave. However, when it comes to the plumbing system, there are very few times that you will be able to survive without it. 

Plumbing systems need a home warranty. Not only are repairs expensive, but the speed of repair and the effectiveness of the repair is essential. So many homeowners look at a home warranty plan as a way to save money, yet it is more than that. 

With a home warranty, all you will need to do is file the claim for help, and the rest is handled by your home warranty provider. You will not have to chase a contractor down; hope to get fair pricing and then monitor them and their ability to fix or repair the issue. The home warranty company does this for you. 

For homeowners with families using the plumbing system quite often, it is essential to look at higher coverage limits. If you happen to experience more than one issue in the course of a year, at least they will both be covered. 

What To Look For When Choosing a Home Warranty For Plumbing

As we mentioned, plumbing coverage will sometimes be covered under the plumbing system, yet there is also coverage for plumbing stoppages and individual toilet coverage. It’s important to compare one company to another and narrow down the one that is best for you. 

Plans and Coverage

Plumbing coverage will be offered with systems policies and comprehensive or combo plans. An appliance-only plan will not have plumbing coverage associated with it. In addition, you should look for coverage for the plumbing system, plumbing stoppages, and then sometimes even additional toilet coverage. Overall the plans and coverage choices from the company will help determine the effectiveness of the plan for your home. 

Price and Service Fees

The price of plumbing system coverage tends to range in price from around $35 a month up to $70 a month. The more money you pay, the more coverage you will get in addition to the plumbing system. The service fees are typically between $60 and $150 each time a repair is needed. 

Replacement Options

The plumbing system very rarely needs to be replaced. However, if you happen to run into this issue, there will be some money given to you to put towards the replacement. Chances are you will want to try and repair as opposed to replacing a plumbing system. 

Pre-existing Conditions

Home warranty companies are not going to cover any plumbing issues that are related to pre-existing conditions. Most home warranty companies will have you prove that the home is in working condition before purchasing a home warranty plan. 

Location

Home warranty companies offer plumbing coverage all across the country. The location of your home should not matter if you are considering adding home warranty plumbing coverage to your policy. 

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Frequently Asked Questions

What is a service fee?

A service fee is the amount of money you pay when an issue with your plumbing system comes up. The service fee covers the repair technician coming to the home to diagnose the problem. However, once the problem is discovered, the home warranty will cover the rest of the associated expense. 

Does a home warranty pay for a new plumbing system?

A home warranty will give you money towards a plumbing system replacement if that is necessary. However, an entire replacement of a plumbing system is very high in cost and will not be covered beyond the limits of your policy. The good news is that the need for an entire plumbing system replacement is a very rare occurrence. 

Is plumbing home warranty coverage worth it?

It will only take one repair of a stoppage or leaking pipe for you to see the importance of having home warranty coverage for plumbing. The great thing about the plumbing coverage is that you will also be getting coverage for a wide range of other systems and appliances in your home. This is where the value of the home warranty continues to become even better. 

Will a home warranty cover an old plumbing system?

Most home warranty companies will not turn your home down because you have an older plumbing system. Companies like Choice Home Warranty have policies for both new and old homes. 

Does a home warranty cover leaking pipes?

A home warranty will cover leaking pipes as long as individual coverage is offered within your home warranty plan. This is, however, standard coverage for most home warranty companies. Access to the leaking pipes through a wall, ceiling, or ductwork is often included as part of the plan as well; however, this will typically come with a separate and lower limit. 

Final Thoughts

Hopefully, you now feel as though you can purchase a home warranty for plumbing with confidence. Home warranties for plumbing come with many different options and features. If you want to ensure that you have adequate coverage and easy to work with customer service representatives, Choice Home Warranty is a great option to choose. Choice offers homeowners the plumbing coverage they need and an impressive plan for the entire home. If you are new to home warranties and shopping for the best deal, ensure that you get multiple home warranty quotes. 

See the Best Home Warranty Companies in Your State

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House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to  come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for discounts and then give yourself the peace of mind that you deserve.

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