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

By Dan Simms

There are few things more hectic and stressful than finding water damage in your home; not only does it put you at added risk of a fire, but it can also lead to rotting, mold, and hundreds or thousands of dollars in repair costs. Since water damage is typically unexpected, it’s nearly impossible to plan ahead and stop the damage before it occurs. However, having a home warranty in place that covers water damage can provide you with peace of mind and financial assistance to repair the damage.

Best Overall

  • 4.9 out of 5 stars
  • Superior cost-to-coverage ratio
  • Emergency servicing available
Most Cost-Effective

  • 4.8 out of 5 stars
  • Lowest service fee
  • Free roof leak coverage
Most Customizable

  • 4.7 out of 5 stars
  • 50+ years in business
  • Pick-your-own service fee

A home warranty is a protection plan for your appliances and home systems. In the case of water damage, it protects against minor leaks and related issues that a homeowner’s insurance policy might not cover. Some of the best home warranties provide ample protection that will keep your out-of-pocket costs to a minimum in the case of a leak, up until the point where home insurance would kick in. Keep reading to see the top home warranty plans that cover water damage.

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

Most home warranties cover a wide range of home systems and appliances, sometimes making it difficult to determine which is the best for a specific purpose. We ranked the best home warranty companies for water damage based on coverage caps, payout rates, pricing, workmanship guarantees, and much more to bring you the best of the best. Below are our top picks for water damage home warranty companies.

  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. Liberty Home Guard — Most Trustworthy
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 — Best Overall

Choice Home Warranty has been in business for about 13 years, and in that time, it has amassed a large backlog of success stories and instances of customer satisfaction. The company has relatively high coverage caps, affordable prices for its plans, and service call fees that are in line with the industry standard. Choice Home Warranty offers high payout rates, making it an all-around great choice for water damage coverage. The coverage is easy to understand as well, thanks to sample contracts and clear exclusions.

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

  • Workmanship guarantee for all repairs for a massive 90 days after service
  • 9 add-on options for plan customization
  • 18 total covered items available via the pre-built plans
  • Water damage coverage starting as low as $1.50 per day

Plans, Cost, and Coverage

Choice Home Warranty is one of the few companies in the industry that includes plumbing coverages — including damage from leaks — in all of its plans. Coverage for damage from roof leaks is also available as an add-on product. The two plans available are described in detail below.

  • Basic Plan ($42/month): The Basic Plan covers plumbing systems, which includes most related water damages. It also protects home appliances — including cooktops, ovens, microwaves, dishwashers, and garbage disposals — plus major systems — including plumbing, heating, and electrical systems, plumbing stoppages, water heater breakdowns, garage door openers, HVAC system and ductwork, spa bathtubs, ceiling fans, and exhaust fans.
  • Total Plan ($53.33/month): The Total Plan covers everything in the Basic Plan — including plumbing leaks — plus refrigerators, washers, dryers, and air conditioners.
  • Optional Add-Ons: You can customize the above plans by adding on coverage for roof leaks, pools and spas, central vacuum systems, second refrigerators, septic systems (pumping is separate), septic pumping, stand-alone freezers, sump pumps, and well pumps.
  • Service Fee: $85

You can fill out this online form for a free quote from Choice Home Warranty or request one over the phone by calling 929-400-6164.

Our Choice Home Warranty review has more information on coverage and plan options if you need to do more research.

2. Select Home Warranty — Most Cost-Effective Plans

Select Home Warranty has over a decade of experience providing home warranty coverage to homeowners throughout the country. It has a B rating with the Better Business Bureau (BBB), which is above average for the industry. It also has tons of positive reviews online from satisfied customers. Select Home Warranty’s plans are affordable and provide outstanding value, especially when considering the comprehensive coverage they offer.

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

  • Comprehensive home coverage at around $2 per day
  • One of the lowest service fees in the industry at just $60 per service call
  • All plans include roof leak coverage, and two of the three include plumbing leak coverage as well

Plans, Cost, and Coverage

Select Home Warranty has three plans available: Bronze, Gold, and Platinum. All three include roof leak coverage. For total leak protection, you’ll want to choose either the Gold or Platinum plans, as these also include plumbing leak protection. The coverage provided by the three plans is detailed below.

  • Bronze Plan ($52/month): The Bronze Plan is Select’s appliance plan, including stoves, ovens, refrigerators, microwaves, garbage disposals, clothes washers, and clothes dryers. Roof leak coverage is included at no extra cost.
  • Gold Plan ($52/month): The Gold Plan instead covers home systems, including heating, electrical, and air conditioning systems. Most importantly, it includes plumbing system coverage, including leaks, as well as roof leak coverage. Water heaters and HVAC ductwork are also included in this plan’s coverage.
  • Platinum Plan ($57/month): The Platinum Plan is just $5 more per month than the others, but it includes everything in the previous two options, including roof leak coverage and plumbing leak protection. It also adds on plumbing blockages, garage door openers, and ceiling fans.
  • Optional Add-Ons: You can supplement any of the above plans with additional coverage. The options available include pools, spas, sprinkler systems, septic systems, sump pumps, well pumps, stand-alone freezers, extended roof leak protection, and central vacuum systems.
  • Service Fee: $60

You can fill out this contact form to get an estimate from Select Home Warranty or call the company for more information at 888-370-3953.

You can also read our Select Home Warranty review for additional information and considerations.

3. American Home Shield — Best Customizable Plans

American Home Shield has been in business for over 50 years, so it’s one of the longest-standing options in the home warranty space. Despite being an older company, it still maintains an impressive BBB rating of B, and many of the reviews online are positive. The plans from American Home Shield include unique coverage options, and the add-ons make for easy plan customization.

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

  • Water damage coverage starting at just over $1 per day
  • Service fee customization is available between $75 and $150
  • 30+ coverage options, including roof and plumbing leak protection

Plans, Cost, and Coverage

American Home Shield offers homeowners three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. All three plans include protection for plumbing leaks and related water damage. Only the Platinum plan offers roof leak protection, so make sure to choose that one if you want the best coverage for water damage possible.

  • ShieldSilver ($39.99/month): This is a home systems plan, which protects your plumbing equipment and related leaks and damages. It also covers your heating and air conditioning systems, electrical system, HVAC ductwork, smoke alarms, water heaters, and garage door openers.
  • ShieldGold ($49.99/month): The ShieldGold Plan takes everything from the Silver plan and adds in major appliances. In addition to the systems mentioned above, you’ll get protection for your refrigerator, cooktop, oven, dishwasher, microwave, garbage disposal, water dispensers, washers, and dryers.
  • ShieldPlatinum ($64.99/month): The ShieldPlatinum Plan includes everything in the previous two plans, including plumbing leak protection. Importantly, it also includes roof leak protection, plus AC refrigerant refills, and an annual AC tune-up. You also get higher coverage caps and more affordable service fees at this higher price point.
  • Optional Add-Ons: AHS offers a handful of add-on options, including guest units, pools and spas, well pumps, sump pumps, PCs and TVs, and other electronics.
  • Service Fee: $75, $100, or $125, customizable based on your plan selection

You can fill out this contact form to get a free quote from AHS, or you can call the company directly at 888-365-2839 for information on coverage and pricing.

You can also read through our complete American Home Shield review for more info on the company and its services.

4. The Home Service Club — Quickest Service

The Home Service Club has been in business for around 14 years, so it has plenty of experience in the home warranty industry. The company has made a name for itself by providing fast coverage, both in terms of how quickly the coverage kicks in after purchasing a plan and how rapidly service calls are responded to. The Home Service Club is a great option when it comes to home warranties for water damage, as a fast response time is often needed to minimize the damage done to your home.

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

  • Service calls are typically responded to in under 24 hours
  • Low service call fees of just $60 per call and customizable up to $90
  • Great range of coverage options (20+) plus 13 add-on coverages

Plans, Cost, and Coverage

The Home Service Club brings two home warranty plans to the table: the Standard Coverage Plan and the Comprehensive Coverage Plan. Both plans include water damage protection, although the Comprehensive Plan — unsurprisingly — offers more comprehensive water damage coverage. We’ll briefly detail the protection plans below.

  • Standard Coverage Plan ($53/month): The Standard Coverage Plan includes home systems — like heating system, plumbing system, electrical system, and central vacuum system — which covers plumbing leaks. It also includes protection for ceiling fans, refrigerators, ovens, stovetops, garbage disposals, microwaves, trash compactors, dishwashers, washing machines, and dryers.
  • Comprehensive Coverage Plan ($63/month): The Comprehensive Plan includes everything in the lower-tier plan, but it adds on plumbing stoppages and related leaks, sump pumps, water pumps, HVAC ductwork, ceiling fans, pest control, water dispensers, smoke detectors, attic fans, jetted bathtubs, water dispensers, and general protection for water leaks.
  • Optional Add-Ons: Roof leak coverage is a popular add-on option offered by HSC. You can also opt for protection for outdoor utility lines (including leaks in sewer lines and sprinkler systems), pools, spas, stand-alone freezers, sewage ejector pumps, well pumps, sprinkler systems, water softeners, and jetted bathtubs.
  • Service Fee: $60, $75, or $90, customizable depending on your plan

If you’re looking for a quote from The Home Service Club, you can fill out this form or call HSC at 800-842-9334.

You can also read more about the company and its coverage options in our The Home Service Club review.

5. Liberty Home Guard — Most Trustworthy

Liberty Home Guard is a relatively new company in the home warranty industry. Since it was founded in 2017, it has managed to maintain an incredible A rating with the BBB, which is well above average. It also has established for itself a record of excellent customer service and positive customer reviews. Liberty Home Guard has a 60-day workmanship warranty for all work completed, which gives you extra peace of mind, especially when it comes to issues related to water damage.

Most Trustworthy

  • 3 plans ranging $65-$125 with 25+ 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

Key Highlights

  • 60-day workmanship warranty for all work completed
  • Two plans that include water damage warranties, starting at just over $2 per day
  • Huge number of add-on coverage options and plan coverages

Plans, Cost, and Coverage

Liberty Home Guard has three plans available, but only the Systems Guard and the Total Home Guard plans include leak protection and water damage coverage. These plans are somewhat expensive, but the coverage is comprehensive and still a great value for the money. Roof leak coverage is available as an add-on but isn’t included in any of the plans.

  • Appliance Guard ($64.99/month): The Appliance Guard protects your refrigerator, microwave, oven, stove, dishwasher, cooktop exhaust fan, garbage disposal, ice maker, ceiling fans, washers, dryers, and garage door openers.
  • Systems Guard ($69.99/month): The Systems Guard plan includes protection for your plumbing system, including related leaks and water damages. You’ll also get coverage for AC, electrical, and heating equipment, plus toilets and related leaks, water heaters, bathroom exhaust fans, and HVAC ductwork.
  • Total Home Guard ($74.99/month): The Total Home Guard plan is a combo plan that includes everything in both of the other options, including plumbing leaks and related water damage.
  • Optional Add-Ons: Liberty Home Guard has one of the most impressive lists of add-on coverages available for plan customization. These include pools and spas, saltwater pools, additional spas, gutter cleaning, sprinkler systems, septic systems, roof leaks, locksmith services, well pumps, floor and carpet cleaning, ejector pumps, water softeners, trash compactors, swamp coolers, central vacuum systems, electronics (excluding TVs and PCs), TVs and PCs, water dispensers, stand-alone freezers, second refrigerators, wine refrigerators, and generators.
  • Service Fee: $75

You can fill out this contact form or call 866-451-2281 to get a free estimate from Liberty Home Guard.

If you’re not certain if this company is right for your needs, you can check out our Liberty Home Guard review for more information.

What is a Home Warranty for Water Damage?

A home warranty is a coverage plan that lets you pay a monthly premium, and in return, it promises to cover appliances and home systems. Home warranties for water damage typically include protection for plumbing systems and related leaks, and some of the best water damage warranties also include coverage for roof leaks. However, many of the home warranty options only include roof leaks as an add-on service.

Water damage is one of the most catastrophic things that can happen to a home, which is why having a protection plan in place is so useful. Homeowners insurance will typically cover major water damage, but even minor leaks can cause mold growth, issues with your electrical system, and damaged building material that can come with high repair or replacement costs. A home warranty for water damage more often covers these less extensive problems, leaving you with few out-of-pocket expenses.

Even if you don’t end up using your home warranty to cover water damage, just having the protection plan in place is worth the peace of mind it provides for most homeowners.

Who Needs a Home Warranty for Water Damage?

Every homeowner can benefit from a home warranty that covers water damage. Any home — even new construction — can experience plumbing and roofing issues, so having a home warranty in place to protect against those problems can be beneficial for all homeowners.

With that being said, a home warranty for water damage is most helpful for:

What does a Water Damage Home Warranty Cover?

This is a difficult question to answer because every home warranty is different. Most home warranty providers that cover plumbing leaks will pay out for unexpected pipe leaks, faulty plumbing fixtures that begin leaking, line breaks in plumbing pipes, and more minor issues, like toilet wax ring damage, leaking faucets and shower heads, and leaks coming from drain pipes.

Roof leak coverage typically covers water damage caused by leaking roof material. Many roof leak protection plans are limited in their scope or coverage cap, so make sure you research before you commit to a plan. They often include patching flashing, replacing roof shingles, repairing underlayment, and more.

Some common exclusions include pre-existing damages, intentional damage, or leaks caused by a lack of proper maintenance.

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How Much Does a Water Damage Home Warranty Cost?

Every home warranty plan is different, so the cost can vary quite a bit. The average cost for a plan that includes plumbing and roof leaks is around $60 per month, as these are more often included in comprehensive plans. The average service call fee for these plans is around $80, but this varies from $60 all the way up to $150 depending on your home warranty service provider and your plan. Roof leak coverage as an add-on averages around $8 per month on top of the plan cost.

How Does a Home Warranty for Water Damage Work?

The process of securing home warranty coverage and getting an issue fixed is fairly straightforward. We’ll detail the process briefly below.

Buy a Plan

Your first step to getting coverage is to purchase a home warranty plan that includes water damage coverage. Don’t wait until you have an issue to take this step, as most providers have a 10- to 90-day waiting period for coverage to begin.

Identify an Issue

Once your coverage is in place, you can identify covered problems in your home, like a plumbing leak or water damage from a roof leak.

File a Claim

Call your service provider or file a claim online to make them aware of the issue.

Get the Issue Fixed

The company will send a technician to solve the problem and will pay for the repair or replacement costs of damaged materials in line with the service contract. At this point, you’ll also pay your service fee, which averages around $80.

Be Aware of Coverage Caps

Water damages can be quite costly to repair, and in some cases, the price will be above the coverage cap or maximum payout for the given problem. Just make sure you understand coverage caps before purchasing a home warranty.

Best Overall

  • 4.9 out of 5 stars
  • Superior cost-to-coverage ratio
  • Emergency servicing available
Most Cost-Effective

  • 4.8 out of 5 stars
  • Lowest service fee
  • Free roof leak coverage
Most Customizable

  • 4.7 out of 5 stars
  • 50+ years in business
  • Pick-your-own service fee

Frequently Asked Questions About Water Damage Home Warranties

What is the best home warranty for water damage?

Our top pick for water damage coverage is Choice Home Warranty. This company has affordable pricing, high coverage caps that are ideal for expensive issues like water damage, outstanding customer service, and a high payout rate. All of Choice Home Warranty’s plans include plumbing leak coverage, and you can get roof leak coverage as an add-on service as well.

Do I need a water damage home warranty if I have homeowners insurance?

In many cases, water damage home warranties can still help if you have homeowners insurance. An insurance policy will cover major damages but comes with a deductible that is usually several thousands of dollars. For more minor plumbing and roof leaks, a home warranty is an outstanding option that can save you quite a lot in repairs.

Do water damage home warranties cover all leaks?

Not always, so it’s important to check your contract carefully before signing. Many plans have exclusions that won’t cover certain leaks — like underground water main leaks or leaks through grout or sealants around bathtubs. The best home warranties will include most leaks, but you should always check before committing.

Why is a home warranty for water damage necessary?

Water damage is bad enough on its own, as it can cause hundreds or thousands of dollars of damage, leaving you with significant repair bills when you least expect them. To make matters worse, leaks can also lead to mold and electrical system issues, which add to repair costs. Having a home warranty in place to protect against leaks and water damage can save you tons of money and provide peace of mind for you and your family.

What is a service fee?

A service fee is a flat fee you pay when you file a claim with your home warranty provider. Rather than paying the total cost to repair or replace damaged materials or malfunctioning appliances, you pay the service fee, which averages around $80, and the provider pays the rest.

Final Thoughts

Water damage is one of the most catastrophic things that can occur in your home, and the charges to repair the pipes or roofing that caused the leak can be astronomical. Therefore, it’s wise to have a home warranty in place that covers water damage, as this can save you the headache of having to deal with major property damage, as well as save you quite a lot of money. Choice Home Warranty is our top pick for water damage home warranties, but all of the companies above provide outstanding service and leak coverage to keep your home adequately protected.

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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