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Best Home Warranty for Plumbing Coverage (2026 Comparison)

Compare 12 home warranty providers for plumbing coverage, monthly costs, and service fees.

Top Home Warranty Providers

#1

American Home Shield

4.3/5.0
Monthly Cost
$29–$89
Service Fee
$100
Best For
Comprehensive coverage with flexible service fees

Covers leaks, stoppages, and water heater repairs. Sewer lines and polybutylene pipes are excluded.

Wide coverage
No age limit on systems
Higher monthly cost
Caps on repairs
Full Review Get Quote
#2

Choice Home Warranty

4.1/5.0
Monthly Cost
$46–$55
Service Fee
$85
Best For
Affordable flat-rate pricing

Covers plumbing system leaks, stoppages, and water heater. Excludes septic and sewer lines.

Simple plan structure
No home inspection needed
Limited HVAC coverage
Lower plumbing caps
Full Review Get Quote
#3

Select Home Warranty

3.9/5.0
Monthly Cost
$44–$48
Service Fee
$75
Best For
Budget-conscious homeowners

Bronze plan covers plumbing stoppages. Gold and Platinum cover leaks, fixtures, and water heater.

Low service fee
Free roof coverage on top plans
Lower coverage caps
Slower response times
Full Review Get Quote
#4

First American Home Warranty

4.2/5.0
Monthly Cost
$47–$62
Service Fee
$75
Best For
Reliable coverage with solid caps

Covers plumbing leaks, stoppages, water heater, and toilet mechanisms. Good caps on repairs.

Strong financial backing
Good plumbing caps
Limited customization
Regional availability
Full Review Get Quote
#5

2-10 Home Buyers Warranty

4.4/5.0
Monthly Cost
$19–$63
Service Fee
$100
Best For
New homebuyers and builders

Comprehensive plumbing coverage including slab leaks, stoppages, and water heaters. One of the best in the industry.

Strong builder reputation
Excellent slab leak coverage
Higher service fee
Best value for newer homes
Full Review Get Quote
#6

AFC Home Club

4.3/5.0
Monthly Cost
$35–$56
Service Fee
$75
Best For
Flexible service fee options

All tiers cover plumbing stoppages. Higher tiers cover leaks, water heaters, and slab leaks.

Choice of service fee amount
Good customer reviews
Add-ons required for full coverage
Full Review Get Quote
#7

Liberty Home Guard

4.5/5.0
Monthly Cost
$49–$60
Service Fee
$80
Best For
Best overall customer satisfaction

Total plan includes plumbing systems, fixtures, toilets, water heater, and slab leak coverage.

Highest customer ratings
Fast response times
Newer company
Limited track record
Full Review Get Quote
#8

Cinch Home Services

3.8/5.0
Monthly Cost
$30–$68
Service Fee
$100
Best For
Appliance-heavy coverage

Built-in systems and Complete plans cover plumbing stoppages, leaks, and water heaters. No sewer coverage.

Strong appliance coverage
Rust and corrosion included
Higher monthly cost
Lower plumbing caps than competitors
Full Review Get Quote
#9

HomeServe

4/5.0
Monthly Cost
$6–$30
Service Fee
None
Best For
Exterior sewer and water line coverage

Unique model: covers interior plumbing lines, exterior sewer/water service lines, and water heaters as separate plans.

No service fee
Exterior line coverage
Limited to specific systems
Not a traditional home warranty
Full Review Get Quote
#10

TotalProtect Home Warranty

3.7/5.0
Monthly Cost
$38–$60
Service Fee
$75
Best For
Sears/Costco member deals

Covers plumbing stoppages and leaks. Water heater included in combo plan.

Available through retailers
Appliance coverage
Limited contractor network
Average customer reviews
Full Review Get Quote
#11

Old Republic Home Warranty

4.2/5.0
Monthly Cost
$50–$75
Service Fee
$100
Best For
High repair caps and financial strength

Premium plan covers plumbing systems, water heater, and fixtures. One of the higher coverage caps available.

Industry experience since 1971
High coverage caps
Higher monthly premium
Regional availability in some states
Full Review Get Quote
#12

Complete Care Home Warranty

3.9/5.0
Monthly Cost
$41–$53
Service Fee
$65
Best For
Low service fee and septic coverage option

All plans cover plumbing leaks and stoppages. Ultimate plan adds sewer line and septic coverage.

Lowest service fee option
Septic coverage available
Smaller contractor network
Newer company with limited history
Full Review Get Quote

Quick Comparison

ProviderMonthlyService FeeRating
American Home Shield$29–$89$1004.3
Choice Home Warranty$46–$55$854.1
Select Home Warranty$44–$48$753.9
First American Home Warranty$47–$62$754.2
2-10 Home Buyers Warranty$19–$63$1004.4
AFC Home Club$35–$56$754.3
Liberty Home Guard$49–$60$804.5
Cinch Home Services$30–$68$1003.8
HomeServe$6–$30None4
TotalProtect Home Warranty$38–$60$753.7
Old Republic Home Warranty$50–$75$1004.2
Complete Care Home Warranty$41–$53$653.9

Frequently Asked Questions