Does a home warranty cover toilets?

Check toilet coverage to avoid costly surprises later

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A home warranty can cover repair or replacement costs if your toilet experiences a mechanical issue or stops working properly due to normal wear and tear. However, your home warranty policy may have coverage details that lead to claim denial and other surprises.

Key insights

Home warranties usually cover toilets.

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Some limitations and exclusions can get your claim denied.

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It can cost between $300 and $2,000 to replace a toilet.

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What toilet services does a home warranty cover?

It can cost between $300 and $2,000 to replace a toilet, so a policy that covers repairs and replacement can save you a lot of money. Usually, these packages will cover any parts or labor needed to complete the job. Your policy may even cover problems with your pipes, such as clogs caused by your toilet.

Potential exclusions to toilet home warranty coverage

Make sure to read through your home warranty contract to better understand what's covered and what's not when it comes to your toilet. While your home warranty likely covers fixing up or swapping out your toilet, there are some exclusions and limitations in the contract that may get your claim denied. Here's a rundown of common exclusions in home warranty contracts:

  • Damage that's not from regular wear and tear
  • Unauthorized repairs
  • Cosmetic damage
  • Improper installation
  • Overlapping coverage with the manufacturer's warranty
  • Damage caused by natural disasters

Here's something else to keep in mind: Your policy might have coverage caps. That means the company will pay up to a certain amount for repairs or replacements, and then you're on the hook for the rest. These caps are particularly important to know if you have a high-end toilet that can cost substantially more to replace.

What to do if your home warranty doesn’t cover toilets

If you discover that your home warranty plan doesn’t cover toilets, there are a couple of routes you can take. First off, see if you can upgrade to a higher-tier package that covers toilets or add on coverage. It's also worth looking into whether your appliance is still under the manufacturer's warranty. If the damage was caused by something like a flood or storm, your home insurance might step in to help foot the bill for replacing the toilet.

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    FAQ

    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 toilets come with a warranty?

    Yes, toilets typically come with a manufacturer's warranty covering defects in materials or workmanship for a certain period, which can vary depending on the brand and model. Additionally, some retailers or installers may offer extended warranties or guarantees for toilets. The company’s website should have a tool for looking up your appliance warranty details using the serial and model numbers.

    How long do toilets last?

    Toilets tend to last around 10 to 15 years.

    Bottom line

    Home warranties often include coverage for toilets and the pipes that connect to them, but be careful to look closely at the details of your warranty contract. Understanding the full scope of your coverage and any potential limitations or exclusions is key to ensuring you're fully protected.

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