Top Home Warranties for Plumbing Systems
The right home warranty can help cover costly pipe leaks and water heaters issues. Compare plans to find the coverage that fits your system.
By NerdWallet Staff
Updated January 2026
Our Top 3 Providers
✓ MOST POPULAR
Choice Home Warranty
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
Liberty Home Guard
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
American Home Shield
AHS founded the home warranty industry in 1971 and continues to be the largest home warranty company with over 2 million members.
Our Top 3 Providers
✓ MOST POPULAR
Choice Home Warranty
Choice Home Warranty's coverage limits for electrical, plumbing and appliances are on the high end compared to competitors.
Liberty Home Guard
Compared to competitors, Liberty earns more positive customer reviews. On the Better Business Bureau, consumer ratings average about 4.5 stars out of 5, much higher than other top home warranty companies.
American Home Shield
AHS founded the home warranty industry in 1971 and continues to be the largest home warranty company with over 2 million members.
✓ MOST POPULAR
1
Choice Home Warranty
Handled more than 8,000,000 service requests.
Covered more than 2,400,000 homes nationwide.
Nationwide network of more than 25,000 contractors.
High coverage limits on electrical and plumbing.
Limited-Time Deal: $75 off and 1st month of membership for free
Call Choice Home Warranty
2
Liberty Home Guard
365-Day Workmanship Guarantee.
Locked-In Rates on All Multi-Year Purchases.
Best-in-Class Add-Ons, Now Featuring HVAC Maintenance.
Labor, Installation, Removal, Disposal & Haul-Away Included.
3
American Home Shield
Will pay for wall damage when accessing plumbing or electrical items.
High coverage limits on electrical and plumbing.
Can choose your own contractor.
Coverage in most states.
4
Select Home Warranty
Plans Starting as Low as $39/month.
$150 off + 2 months free + Free Roof Leak Coverage.
Up to 180-day workmanship guarantees.
Discount savings of 5-75% at retailers such as Home Depot, Sams Club, and Walmart.
5
First American Home Warranty
Will pay for some wall damage when accessing repairs.
High coverage limits on electrical and plumbing.
Decent customer satisfaction ratings compared to competitors.
6
Cinch Home Services Home Warranty
Will pay for wall damage when accessing covered items.
High coverage limit.
Decent customer satisfaction ratings.
Coverage is available in 48 states.
7
First Premier Home Warranty
Comprehensive coverage for major home systems and appliances.
Easy claims process available 24/7 online or by phone.
Expandable protection with optional add-ons for customizing your warranty beyond the core plans.
Plumbing issues that home warranties generally cover
Home warranties typically cover many parts of your home’s plumbing system but only for everyday wear and tear. Each home warranty company chooses what it covers, which may include: - Leaks in plumbing lines and pipes inside your home. - Clogged drains or lines that can be accessed with a standard sewer cable.
Groundwater sump pumps, if permanently installed. - Valve parts and components. - Gas and electric water heaters. - Garbage disposals. - Shower heads and shower arms. - Toilet mechanisms, tanks, bowls and wax ring seals. - Whirlpool and jetted tub motors, pumps and air switch assemblies. Areas that you may have to pay extra to add coverage for include: - Pools and built-in spas. - Plumbing in guest houses. - Septic system ejector pumps. - Well pumps. - Water heaters.
- Complete toilet replacement.
Will my home warranty pay to repair a stopped drain or blocked pipe?
A home warranty typically covers clogged drains and pipes, as long as they occur due to normal wear and tear and can be cleared with a standard sewer cable — generally within 100 feet of the access point.
Who covers the plumbing repair: homeowners insurance or your home warranty?
Whether your plumbing issue is covered by your home warranty or your home insurance depends on what caused the problem. A home warranty is a service contract that repairs issues caused by normal wear and tear. Homeowners insurance covers issues that happen because of unexpected events, such as fire, theft, wind, lightning, smoke, vandalism, riots or falling objects.