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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
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.
The process of securing home warranty coverage and getting an issue fixed is fairly straightforward. We’ll detail the process briefly below.
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.
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.
Call your service provider or file a claim online to make them aware of the issue.
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.
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.
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.
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.
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.
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.
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.
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.
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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Choice Home Warranty