5 Best Home Warranty Companies for Sewer Lines (2024)

We recommend Liberty Home Guard (LHG) for its excellent brand reputation and extensive add-on catalog of 42 items, the largest in this review. The company offers sewer line protection under two of its standard plans, plus add-on coverage for additional septic needs.

Monthly cost: $49–$59

We awarded LHG 4.5 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.7 out of 5): LHG scored well for its extensive add-on catalog and Industry-standard sewer line coverage. 
• Value (4.25 out of 5): LHG lost points for its inflexible service call fee policy. 
• Trustworthiness and Transparency (4.8 out of 5): LHG received a high score due to its excellent customer review scores across several third-party review sites. 
• Availability and Service (4.3 out of 5): LHG lost points for its inflexible service technician policy.

Liberty Home Guard offers three plan options: Appliance Guard, System Guard, and Total Guard. Sewer line coverage comes with the System Guard and Total Guard plans. We read the Liberty Home Guard sample contract to learn more about its sewer line protections. We discovered that LHG offers a $500 limit for plumbing coverage, which is the industry standard. 

The company offers standard coverage for stoppages clearable by a snake. Stoppages must be within 100 feet of an access point and within the main foundation. LHG excludes clogs or stoppages due to overgrown tree roots and freezing, a common exclusion. 

Here’s an overview of LHG’s coverage plans:

• Appliance Guard: This appliance-only plan includes nine essential appliances, including dishwashers, ovens, and refrigerators. All appliances receive a $2,000 coverage cap. 
• Systems Guard: The next plan protects six essential built-in systems, such as air conditioning, heating, and plumbing. Although plumbing and electrical systems receive a $500 cap, all other systems include a  $2,000 cap.
• Total Home Guard: The highest plan tier combines Appliance Guard and Systems Guard coverage. All coverage caps are the same.

LHG offers monthly and annual premium options, which is common with many home warranty providers. However, it’s one of the few companies that assign its service fees to customers. These range from $65–$125 per service call. We spoke to an LHG representative concerning the inflexible service call policy. The representative explained that fees are assigned based on your location, selected plan, and add-on selections. 

We’ve provided a breakdown of LHG’s monthly pricing below:

LHG offers 42 add-on choices, making it the largest catalog of the review. The company offers septic tank pumping for $12.99 per month. This includes main line stoppages, clogs, and one pumping per year. Coverage excludes replacement for components, which other home warranty providers offer. LHG provides five additional plumbing, sewer, and drainage add-on items:

• Ejector pumps
• Grinder pump
• Plumbing fixtures
• Sump pumps
• Well pump

Through secret shopping, we tested LHG’s communication channels to find the fastest options. Calling customer support was the quickest, connecting us to a representative in under one minute. The live chat also connected in under a minute but first routed us to an automated bot. We had to request a live agent twice before being transferred to a live representative. Overall, calling was the fastest way to reach an LHG representative.

We recommend American Home Shield (AHS) for those who need comprehensive coverage for sewer lines, plus additional systems and appliances. Unlike most other companies, it covers sediment, rust, and corrosion damage. 

Monthly Cost: $29–$89

AHS received 4.4 out of 5 stars in our review standards. Here’s how we rated the company in key categories:

• Coverage (4.7 out of 5): AHS received higher points for its comprehensive system and appliance coverage, including HVAC and plumbing. 
• Value (4 out of 5): AHS lost points for its expensive plans, which were higher than other reviewed providers. 
• Trustworthiness and Transparency (4.25 out of 5): We deducted points for its lower average customer review score. 
• Availability and Service (4.7 out of 5): AHS received higher points for its efficient claims process.

American Home Shield provides three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. After reviewing the American Home Shield sample contract, we learned that all three plans include sewer line protections. The company offers unlimited plumbing coverage for most items. Sewage ejector pumps receive a $500 cap, while pipe access repairs have a $1,000 limit. 

Coverage includes mainline and lateral drain line stoppages within 100 feet of an access point. AHS also covers wall and access point repairs up to $1,000 if plumbing can only be accessed through a floor, wall, or ceiling. Blockages caused by service line issues outside the foundation, such as collapsed, broken, or damaged lines, are excluded from coverage. All repairs come with a 30-day workmanship guarantee, which is the industry standard. 

Here’s a breakdown of AHS’s plans:

• ShieldSilver: This system-only plan includes cooling, plumbing, and sewer lines. Most systems receive a $5,000 coverage, but plumbing doesn’t have a cap on coverage. 
• ShieldGold: This plan includes ShieldSilver coverage but adds essential appliances, such as clothes washers and dryers. You receive a $2,000 limit for appliances and the same system coverage limits.
• ShieldPlatinum: The highest plan includes ShieldGold coverage plus added perks, such as roof-leak protection. Appliance coverage doubles to $4,000 per item. System coverage remains the same. 

AHS is one of the few providers to limit its plan options to only monthly premiums. The company does offer an option with its service fees, with either a $100 or $125 option. Our monthly premium decreased when we chose a higher fee for our sample quote.

AHS only offers six add-on options, making it the smallest catalog in this review.  Based on our research, most home warranty providers offer eight. The company has two sewer and septic protection options: septic pumps and well pumps. Unlike LHG coverage, AHS does cover components and parts of the septic tank, plus one pumping during the contract period. Septic pump coverage costs $5 per month, while well pump protection costs $8 monthly. 

AHS offers the following add-on coverage:

• Electronics protection plan
• Limited roof-leak coverage
• Guest unit 
• Pool and spa

We recently tested AHS’s claims process firsthand when a team member needed repairs for a leaky bathroom pipe. He submitted the claim online and, within five minutes, received text and email confirmations. Another five minutes later, a technician called to schedule a next-day appointment. The technician completed the repairs in two hours the following day. Our team member only had to pay the standard service call fee.

We recommend Select Home Warranty if you need basic sewer line protection at an affordable price. Select offers plans under $50 per month and service call fees under $80, some of the lowest pricing in this review. 

Monthly cost: $44–$47

Select Home Warranty received 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (3.7 out of 5): Select lost points for its lower appliance and system caps, which include $500 for sewer line coverage. 
• Value (5.5 out of 5): Select earned a perfect score for its low-cost premiums. 
• Trustworthiness and Transparency (4.5 out of 5): We deducted points for its lower customer review scores. 
• Availability and Service (4.3 out of 5): Select lost points for its slower claims processing, which could take 48 hours or longer.

Select provides three coverage plan options: Bronze Care, Gold Care, and Platinum Care. We read through the Select Home Warranty sample contract and discovered that Gold Care and Platinum Care provide sewer line protection plans, offering the industry standard $500 for sewer lines. In fact, Select limits coverage to $500 for most appliances and systems. The only exception is HVAC systems, which receive a $3,000 cap. Plumbing stoppages are only included in the Platinum Care plan.  

Select covers leaks, breaks, and drain, waste, and vent line stoppages. However, plumbing stoppages are not covered if there is no easy entry point to your home’s plumbing system. Like other providers, the company excludes damage caused by tree roots or frozen pipes.

We’ll cover Select Home Warranty’s plans below:

• Bronze Care: This plan protects eight major appliances, such as cooktops, refrigerators, and ovens. Alliances received a $500 cap.
• Gold Care: This system-only plan protects six major home systems, such as air conditioning, heating, and plumbing. HVAC systems receive a $3,000 limit, while all other systems, such as septic lines, max out at $500. 
• Platinum Care: The highest plan combines Bronze and Gold Care coverage plus additional items, such as ceiling fans and plumbing stoppages. All coverage limits remain the same. 

Select Home Warranty offers monthly and annual premium options. Our sample quote included a $150 discount and two additional months of coverage with the annual plan. We also learned that Select Home Warranty assigns service call fees between $60 and $75.

Select Home Warranty offers nine add-on options, with three offering added sewer and septic protections for under $9 monthly. At $5.83 per month, Select’s septic system pricing is lower than most of its competitors. Septic system coverage includes aerobic pumps, sewage ejectors, jet pumps, and septic tanks with a $400 limit. However, septic system pumping is not covered. Additional drainage add-ons include sump pumps and well pumps for $3.33 per month. 

Select also offers the following add-on options: 

• Central vacuums
• Lawn sprinkler systems 
• Pools
• Standalone freezers
• Spas

When getting a quote from Select Home Warranty, we were offered the lowest service fee in an exclusive, over-the-phone deal. The Select rep recommended calling for claims and account issues rather than using the online portal.

We also learned Select Home Warranty uses its preapproved network of technicians for repairs. You can request your own technician if none are available nearby, but Select must still approve them before service.

We recommend First American Home Warranty for its extended sewer line stoppage coverage and unlimited system caps. The company will pay to clear clogs within 125 feet of access points, farther than most companies.

Monthly cost: $44–$84

We scored First American Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): First American scored well for its coverage plans, which include high appliance caps and multiple add-on appliance options.
• Value (4 out of 5): First American lost points due to its service call fees which are slightly higher than competitors.
• Trustworthiness and Transparency (4.8 out of 5): First American scored well due to its excellent reputation and higher customer review scores.  
• Availability and Service (4.3 out of 5): First American lost points for its inflexible service technician policy.

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. We analyzed the First American’s sample contract and learned that sewer lines and plumbing receive unlimited caps. We also learned that First American doesn’t offer a system-only plan. Each plan offers a mix of appliance and system coverage. 

The Starter Plan excludes key coverage, such as pipe access repair. While the Premium Plan includes $1,000 for removing concrete or other obstacles that block sewer line access, you receive only $500 with the other two plans. The Premium Plan also includes up to $250 for ground-level cleanout installation. You can add the First American Upgrade to the Essential and Premium plans to extend your coverage to include preexisting conditions, plus rust and corrosion damage.

Here’s a breakdown of First American’s coverage plans:

• Starter Plan: This plan provides appliance and system coverage for some essential items, such as heating systems, plumbing, sewer lines, and refrigerators. Systems receive unlimited caps, while appliances receive $3,500 limits. 
• Essential Plan: The next plan includes Starter Plan coverage and adds additional items, such as air conditioning and clothes washers and dryers. Water heaters receive $1,000, but all other caps remain the same. 
• Premium Plan: The highest plan tier includes Essential Plan items, but adds faucets,  luxury appliances, and roof leaks. System caps remain the same, but appliance coverage doubles to $7,000. 

First American’s premiums are a bit higher, comparable to American Home Shield’s pricing. The company offers annual and monthly premium options. It provides options for service call fees at $75, $100, or $125, allowing for more customized pricing. The quote we received had the highest service fee, which brought the premium costs down.

Here’s a list of First American’s costs and service call fees:

First American includes 12 add-on options but only septic system/pumping for additional sewer line protection. You receive one septic tank pump per contract term if the stoppage is due to a backup in the tank. You receive a $500 limit for septic system coverage, including the aerobic pump, jet pump, sewage ejector pump, and the septic tank line from the house to the septic tank. Coverage costs $7.08 per month. 

Additional First American add-on coverage includes the following items:

• HVAC tune-ups
• Up to three additional refrigerators
• Sump pumps

One of our team members tested First American’s claims process when his garage door opener broke. He submitted an online claim on a Friday and, within 30 minutes, received a text with his technician’s details. The technician then contacted him to schedule an appointment for the following Monday. The repair took less than 30 minutes, and our team member only had to pay the service call fee.

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for the best plan customization, offering three plans with sewer line coverage, three service fee options, and 13 add-ons. The company also offers a plan-length workmanship warranty, the longest guarantee of this review. 

Monthly cost: $34–$92

AFC Home Warranty earned 4.6 out of 5 stars, and here’s how it scored in key categories:

• Coverage (4.3 out of 5): AFC Home Warranty scored lower for its depreciated value policy. 
• Value (4.5 out of 5): AFC Home Warranty scored higher for its plan flexibility and variety.
• Trustworthiness and Transparency (4.8 out of 5): The company scored well for its unlimited workmanship guarantee, a rarity among home warranty providers. 
• Availability and Service (5 out of 5): AFC Home Warranty achieved a perfect score for its flexible service technician policy. 

AFC Home Warranty offers four plan options: a Silver Plan, Gold, Plan, Platinum Plan, and Diamond Plan. After reviewing the AFC Home Warranty sample contract, we learned that sewer lines and plumbing receive a $500 limit per 12-month period for visible interior leaks and breaks of water supply pipes, drains, vents, and waste lines. 

Plumbing and sewer line coverage comes with three plans: Gold, Plan, Platinum Plan, and Diamond Plan. However, only the Platinum Plan and Diamond Plan include plumbing stoppages, which receive a $300 limit. In addition, only the Diamond Plan includes external sewer lines and $250 access opening coverage. All repairs and replacements include a plan-length workmanship guarantee.

Here are the details of each AFC Home Warranty coverage plan:

• Silver Plan: The lowest plan covers nine appliances, such as dishwashers, refrigerators, and stoves. You receive a $3,000 limit for appliances. 
• Gold Plan: The next plan offers system and appliance protection for 15 items, such as air conditioning, plumbing, and water heaters. Coverage caps vary between systems, but appliance limits remain the same. 
• Platinum Plan: This plan includes 20 essential systems and appliances, such as faucets and plumbing stoppages. Coverage caps remain the same.  
• Diamond Plan: The highest plan tier includes Platinum coverage, electronics, and external sewer and water lines. Note: The Diamond Plan is unavailable in AK, CA, HI, MT, MS, NC, NJ, UT, VA, WA, WV, and WI.

AFC Home Warranty offers annual and monthly premiums. Annual plans include a $100 annual discount for a one-year commitment and $250 off for a three-year plan. Our sample contract included service fees of $75, $100, or $125.

Here’s an overview of AFC Home Warranty’s pricing:

AFC Home Warranty has 13 different add-on options, with pricing starting as high as $25 per year. You can add septic system coverage for $50 per year. Coverage includes aerobic, jet, and sewage ejector pumps. Coverage exclusions include the septic tank, line from the house, leach lines, field lines, lateral lines, cleanout, insufficient capacity, and grinder pump.

Additional add-on options include the following items:

• Hot water dispensers
• In-ground pools and spas
• Sump pumps
• Well pump

Through secret shopping, we found that AFC Home Warranty uniquely allows you to choose your own service technician, whereas most providers restrict you to their preapproved network. Our sample quote also included exclusive perks like free credit monitoring, insurance discounts, and identity protection.