Does a home warranty cover sewer lines?

Check sewer line coverage to avoid costly surprises later

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Unexpected damage to your sewer lines can lead to costly repairs. However, your home warranty may be able to help. Many home warranty companies provide coverage for sewer lines for normal wear and tear or offer an add-on that will.

Key insights

Some home warranty plans include sewer line repairs.

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Many companies offer water and sewer line protection as an add-on.

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Most contracts have many limitations and exclusions.

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What sewer line services does a home warranty cover?

Many home warranty companies only cover interior sewer lines that make up your plumbing system. On the other hand, most home warranties include plumbing coverage that offers protection for things like stoppages and breaks in the pipe. Some companies even provide plans with exterior water and sewer line coverage.

Here are some things that a home warranty covers for sewer lines:

  • Water and sewer pipe damage
  • Pipe stoppages
  • Collapsed pipes
  • Clearing of stoppages

Coverage caps

Many home warranty companies have coverage caps on sewer lines. This means that the company will only pay up to a specified amount on the costs of parts and repairs, and then you are liable for the rest.

Potential exclusions to sewer line home warranty coverage

Many home warranty contracts list things the warranty won’t cover. For example, some companies only cover interior or exterior lines and exclude things like preexisting conditions.

Here are some other things that many home warranties also don’t cover:

  • Landscaping replacements
  • Frozen pipes
  • Clean up of materials
  • Leaks from tree roots
  • Damage from foreign objects
  • Waste lines
  • Sump pumps

What to do if your home warranty doesn’t cover sewer lines

If you find out your home warranty doesn't cover sewer lines, you might be able to switch to a higher package that does. Some companies even offer water and sewer line protection add-ons. This will add to your home warranty costs.

Additionally, homeowners insurance typically covers both exterior and interior sewer lines for common causes of damage. It also covers accidental damage, such as a burst frozen pipe, an overflowing toilet or a flooded basement.

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    What does a home typically warranty cover?

    Home warranties usually cover large appliances, built-in microwaves, water heaters and systems like HVACs, plumbing, ductwork, pool heaters and well pumps. Some plans also cover additional items like pest control, septic systems, central vacuums, sump pumps and more.

    Do home warranties cover sewer lines?

    Sewer line coverage depends on your home warranty plan. Some companies only offer it in their highest plans or as an add-on.

    Does a home warranty cover plumbing systems?

    Yes, many home warranty plans offer coverage for plumbing. This protection includes parts and replacements for things like ruptured pipes, worn-out valves, pumps and motors.

    Does a home warranty cover low water pressure?

    No, most home warranty plans exclude things that cause low water pressure, such as broken or collapsed water and sewer lines. You may be able to get coverage as an add-on or with an extended plan.

    Bottom line

    Breakdowns to your sewer line can be a burden and lead to costly expenses. However, many home warranties provide coverage for sewer lines and can help with parts and repairs. This can save you hundreds of dollars. Just be sure to check your contract for your coverage specifics.

    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:

    1. Cinch Home Services, “Does a home warranty cover the main water line?” Accessed March 28, 2024.
    2. Porch, “Do Home Warranties Cover Sewer Lines?” Accessed March 28, 2024.
    3. Home Warranty of America, “Does a Home Warranty Cover Plumbing Systems?” Accessed March 28, 2024.
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