Compare the best home warranties for plumbing
| Company | Customer rating | Number of plans | Monthly starting cost | Service fees | Offers add-on coverage | |
|---|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.7 | 3 | $29.99 | $100 or $125 |  |
 Choice Home Warranty | Get a Quote | 4.0 | 2 | $49 | $100 | |
 First American Home Warranty | Get a Quote | 4.1 | 3 | $47 | $100 or $125 | |
 Home Warranty of America | Learn More | 1.0 | 2 | $46 | Starting at $75 | |
Our top picks for home warranties with plumbing coverage
Our top picks for home warranties with plumbing coverage are:
- Our top pick overall: American Home Shield
- Our pick for service time: Choice Home Warranty
- Our pick for price: First American Home Warranty
- Our pick for coverage area: Home Warranty of America
Methodology
To select our top picks for the best home warranties with plumbing coverage, we focused on 16 home warranty companies with a rating of 3.5 out of 5 stars or higher on ConsumerAffairs. We then analyzed 5-star reviews submitted by verified customers to narrow down our picks, focusing on reviews that mentioned plumbing or toilets.
We used this data to select the top four home warranty companies for plumbing coverage. For our final rankings, we scored companies based on their percentage of 5-star reviews and the difference between the number of 5-star and 1-star reviews.
American Home Shield
- Number of plans
- 3
- Service fees
- $100 or $125
- Monthly cost
- $29.99
Choice Home Warranty
- Number of plans
- 2
- Service fees
- $100
- Monthly cost
- $49
First American Home Warranty
- Number of plans
- 3
- Service fees
- $100 or $125
- Monthly cost
- $47
Home Warranty of America
- Number of plans
- 2
- Service fees
- Starting at $75
- Monthly cost
- $46
Home warranty plumbing coverage
Home warranties generally cover plumbing system issues caused by normal wear and tear. It’s important to read through the plumbing exclusions in a home warranty provider’s contract, though you may be able to purchase optional coverage for specific excluded items.
What home warranties cover
Plumbing elements usually covered by these warranties include:
- Gas, drain, water and vent lines
- Shower and tub valves
- Built-in bathtub pumps
- Clearing of sink, shower, tub and toilet stoppages
- Clearing of drain and sewer stoppages
What home warranties don’t cover
Most companies don’t cover:
- Damaged, broken or collapsed drains
- Vents or lines outside the main foundation of the home
- A tub, sink or shower
- Septic tanks
- Saunas
- Shower enclosures
- Toilet lids or seats
- Water filtration systems
» MORE: What does a home warranty cover?
FAQ
Will a home warranty pay to replace my plumbing system?
A home warranty with plumbing coverage will generally cover the cost of replacing covered items that can’t be repaired. However, companies have exclusions and coverage limits, so it’s essential to read the terms of the contract before signing up.
Do home warranty companies cover preexisting conditions for plumbing?
Most home warranty companies don’t cover preexisting conditions, whether they are known or unknown. However, some companies, such as American Home Shield, offer coverage for items with undetectable preexisting conditions.
What is the waiting period for a home warranty to cover plumbing issues?
Most home warranty companies have a 30-day waiting period. There may be exceptions, such as if you’re switching providers and haven’t had a lapse in coverage.
What are some red flags of home warranty companies?
Some red flags of home warranty companies include frequent claim denials, bad customer service, long repair times and hidden fees or exclusions not clearly stated in their contracts.
Bottom line: Is a home warranty worth it for plumbing coverage?
If you know it wouldn’t be easy for you to cover the cost of major plumbing repairs and other issues out of pocket, a home warranty could be worth it. When you make a claim, all you pay is a trade service call fee and the warranty company covers the rest. A home warranty also makes it easy to find a qualified contractor.
However, home warranties aren’t for everybody. If you live in a newer home with appliances and systems still covered by the manufacturer, a home warranty probably won’t be helpful. Also, keep in mind that many plans don’t provide coverage if you’re not properly maintaining appliances and systems.
Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
- Federal Trade Commission, “Warranties for New Homes.” Accessed Feb. 14, 2026.
