Is Plumbing Repairs Covered under a Home Warranty? (Includes Top Local Recommendations)

Imagine waking up one morning to find your kitchen flooded due to a burst pipe. The stress and expense of dealing with such a situation can be overwhelming. But what if there was a safety net to help you manage the costs and hassle of plumbing repairs? That’s where home warranties come into play.

In this comprehensive guide, we’ll delve into the world of plumbing coverage under home warranties, offering insights and recommendations from real homeowners to help you make informed decisions about protecting your home’s vital systems.

Table of contents

What types of plumbing repairs is a home warranty going to cover?

Leaks and pipe repairs

Home warranties often cover the repair of leaking pipes, including both water supply and drainage pipes within the home’s structure.

This can include fixing leaks at joints, replacing damaged pipes, or repairing any other issues contributing to leaks.

However, coverage may vary based on the specific terms and conditions of the home warranty contract.

Faucet and fixture repairs

If your faucets, showerheads, or other plumbing fixtures develop problems, such as leaks or malfunctioning components, a home warranty may cover their repair or replacement.

This can involve fixing or replacing faulty cartridges, washers, o-rings, or other components causing the issue.

However, it’s essential to review the warranty contract to understand the coverage limits and exclusions.

Toilet repairs

If your toilets have issues like running continuously, clogging, or leaking, a home warranty may cover the necessary repairs.

This can include fixing or replacing faulty valves, flappers, fill valves, or other toilet components causing the problem.

However, some warranties might have limitations on specific toilet parts or exclude pre-existing issues.

Water heater repairs

Home warranties typically provide coverage for water heater repairs, including components such as heating elements, thermostats, and valves.

If your water heater is not producing hot water, leaking, or experiencing other malfunctions, the warranty may cover the necessary repairs or even replacement, subject to the terms and conditions of the warranty agreement.

Sewer line repairs

Some home warranty plans include coverage for sewer line repairs if there are problems like blockages, leaks, or damage.

This can involve clearing clogs, repairing or replacing damaged sections of the sewer line, or addressing other issues affecting proper drainage.

Coverage for sewer line repairs can be valuable, as these repairs can be expensive and disruptive.

Drain and pipe blockages

If you experience clogged drains or pipes, a home warranty might cover the costs of clearing or unclogging them.

This can involve using mechanical snakes, hydro jetting, or other methods to remove obstructions and restore proper flow.

However, limitations or exclusions may apply, such as restrictions on coverage for recurring or pre-existing blockages.

Are there any home warranties that cover plumbing systems?

There are home warranties available that cover plumbing systems. Many home warranty providers offer plans that specifically include coverage for plumbing systems and related repairs.

These plans typically encompass a wide range of plumbing issues, such as leaks, pipe repairs, faucet and fixture repairs, toilet repairs, water heater repairs, sewer line repairs, and drain and pipe blockages.

However, the specific coverage, limitations, and exclusions can vary between different warranty providers and plans.

What does a home warranty plan not cover in regards to plumbing?

Pre-existing conditions

Home warranties typically do not cover plumbing issues that existed before the coverage began. If the problem existed prior to purchasing the warranty or during a waiting period, it may be considered a pre-existing condition and may not be covered.

Negligence or improper maintenance

If plumbing issues arise due to homeowner negligence or failure to properly maintain the plumbing system, the repairs may not be covered. This includes situations where the homeowner failed to address known plumbing issues or disregarded routine maintenance.

Damage from external sources

Home warranties generally exclude coverage for plumbing issues resulting from external factors beyond normal wear and tear.

For example, damage caused by natural disasters, accidents, or third-party interference may not be covered.

Septic systems

Some home warranty plans may not include coverage for septic systems, including septic tanks, drain fields, or other related components.

If your property relies on a septic system, it’s essential to check if it is covered under the warranty.

Upgrades or modifications

Home warranty coverage typically applies to the existing plumbing system as it was originally installed.

If you make upgrades, modifications, or additions to your plumbing system after purchasing the warranty, those enhancements may not be covered.

Cosmetic issues

Home warranties typically focus on functional repairs rather than cosmetic improvements. Issues related to aesthetics, such as minor leaks that don’t impact functionality or cosmetic damage to fixtures, may not be covered.

Are all home warranty companies the same for plumbing?

All home warranty companies are not the same when it comes to plumbing coverage. Different home warranty companies may offer varying levels of coverage, exclusions, claim limits, and service quality for plumbing repairs.

Some companies may provide more comprehensive coverage for plumbing systems, including a wider range of repairs and components, while others may have more limited coverage.

The terms and conditions of the warranty contracts can differ, impacting what is covered and what is excluded.

It is essential for homeowners to thoroughly research and compare various home warranty providers, read customer reviews, and review the terms of the contracts to find a company that offers the desired level of plumbing coverage.

Are there any add-on options for plumbing coverage in home warranties?

Some home warranty companies offer add-on options for enhanced plumbing coverage.

These add-ons are designed to provide additional protection and coverage for specific plumbing systems or components that may not be included in the standard warranty plan.

For example, a home warranty provider may offer an add-on option to cover well pumps, sump pumps, or additional plumbing fixtures such as a whirlpool tub.

These add-on options allow homeowners to customize their coverage based on their specific needs and preferences.

Pros and cons of getting a home warranty with plumbing coverage

Pros

Financial protection: A home warranty can provide financial protection by covering the cost of unexpected plumbing repairs or replacements. This can help homeowners avoid significant out-of-pocket expenses, especially for major plumbing issues.
Convenience and peace of mind: With a home warranty, homeowners can have peace of mind knowing that if a plumbing problem arises, they can easily contact the warranty provider for assistance. This can save time and effort in searching for reputable plumbers and scheduling repairs.
Budgeting and predictability: Home warranties can help homeowners budget for potential plumbing repairs by providing predictable costs in the form of a monthly or annual premium. This can help manage unexpected expenses and provide a level of predictability.

Cons

Coverage limitations: Home warranties may have limitations, exclusions, and specific coverage caps. Certain plumbing issues or components may not be covered, and there could be restrictions on pre-existing conditions or maintenance requirements. It’s crucial to review the contract terms to fully understand what is covered and what is not.
Service quality and response time: The quality of service and response time from the warranty provider can vary. Some homeowners may experience delays or dissatisfaction with the service provided, depending on the warranty company’s network of contractors and their availability.
Cost versus potential savings: The cost of a home warranty, including the premiums and service fees, should be weighed against the potential savings on plumbing repairs. It’s important to consider the age and condition of the plumbing system and the likelihood of needing significant repairs to determine if the cost of the warranty is worthwhile.

How much does a home warranty with plumbing coverage cost?

A home warranty with plumbing coverage typically costs between $300 and $600 per year. The average cost is $50 per month.

The cost of a home warranty depends on the number of appliances and systems you want to cover, the size of your property, and other factors.

For example, a $500 home warranty typically covers basic systems like air conditioning, electrical, and plumbing, as well as important appliances like your refrigerator, dishwasher, washer, and dryer.

How do I make a claim for plumbing repairs under my home warranty?

Review your home warranty contract: Familiarize yourself with the terms and conditions of your home warranty contract. Pay attention to the coverage details, claim process, and any requirements or limitations specific to plumbing repairs.
Contact the warranty provider: Notify your home warranty provider as soon as you discover a plumbing issue. Most companies have dedicated claim hotlines or online portals for submitting claims. Provide them with the necessary details about the problem and your contact information.
Follow the claim process: Your warranty provider will guide you through the claim process, which may involve providing additional information, documentation, or supporting evidence of the plumbing issue. They may also assign you a claim number for reference.

Service assignment: Once your claim is approved, the warranty company will typically arrange for a licensed and approved plumbing contractor from their network to visit your home. They will assess the issue and determine the necessary repairs or replacements.
Approved contractors: Check to see if your home warranty provider has approved or authorized the plumbing contractor you choose for the repair. Clarify this information with your warranty provider beforehand to understand the associated costs.
Repair or replacement: Depending on the coverage your home warranty offers, the assigned plumbing contractor will carry out the necessary repairs or replacements. They will typically coordinate the scheduling directly with you.

Follow-up and feedback: After the repairs are completed, provide feedback to your warranty provider regarding the quality of service you received. This information can be valuable for both the warranty company and future homeowners.

Things to consider when claiming a plumbing repair with your home warranty

When claiming a plumbing repair with your home warranty, there are several important things to consider:

Approved contractors: Check to see if your home warranty provider has approved or authorized the plumbing contractor you choose for the repair. Most home warranty companies have a network of pre-approved contractors. Using an approved contractor helps ensure that the repair will be covered under your warranty and that the contractor is familiar with the claim process.

Read the policy carefully: Thoroughly review your home warranty policy to understand the coverage, exclusions, and claim process specifically related to plumbing repairs. Pay attention to any requirements or limitations, such as maintenance obligations or pre-existing condition restrictions. Being familiar with the policy will help you navigate the claim process effectively.
Promptly report the issue: Notify your home warranty provider promptly when you discover a plumbing problem. Timely reporting is often required to initiate the claim process and ensure coverage. Delaying the report may result in claim denials or limitations on coverage.
Provide accurate information: When filing a claim, provide accurate and detailed information about the plumbing issue. This includes describing the problem, its location, and any relevant details that can help the warranty provider and the plumber understand the nature of the repair needed.

Follow the claim process: Follow the specific claim procedures that your home warranty provider has outlined. This may involve submitting a claim form, providing supporting documents or photographs, or following specific steps for requesting service. Failure to follow the correct procedure may result in claim delays or denials.
Understand service fees or deductibles: Clarify the amount of the service fee or deductible that you are responsible for paying per service visit. This information should be clearly outlined in your home warranty contract. Be prepared to pay this fee directly to the contractor at the time of service.
Keep records: Maintain a record of all communication, including claim numbers, dates, and names of representatives you interact with during the claim process. This documentation can be valuable if any disputes or issues arise.

Is a home warranty for plumbing worth it?

Whether a home warranty for plumbing is worth it depends on various factors.

For homeowners who have older plumbing systems or anticipate potential issues, a home warranty can provide financial protection and peace of mind by covering unexpected repairs or replacements.

It can help manage the costs of major plumbing issues and offer convenience through access to a network of approved contractors.

However, it’s essential to carefully review the terms, coverage limitations, and exclusions of the warranty to determine if it aligns with your specific needs and if the potential savings outweigh the cost of the warranty itself.

Homeowners who diligently maintain their plumbing systems and have savings set aside for repairs may find less value in a home warranty.

Is plumbing usually covered under the standard home warranty?

Plumbing is typically covered under a standard home warranty.

Plumbing systems are considered essential components of a home, and most home warranty plans include coverage for plumbing repairs and replacements.

This coverage often includes issues such as leaks, pipe repairs, faucet and fixture repairs, toilet repairs, water heater repairs, sewer line repairs, and drain and pipe blockages.

However, it’s important to review the specific terms and conditions of the home warranty contract to understand the extent of the coverage, any limitations, and any exclusions that may apply.

What are the benefits of having a home warranty?

Budget protection: A home warranty provides financial protection by covering the cost of repairs or replacements for major systems and appliances in your home. This can help homeowners avoid unexpected and potentially costly expenses, providing a level of budget predictability.
Peace of mind: Homeowners gain peace of mind knowing that if a covered system or appliance breaks down, they can contact the warranty provider for assistance. It alleviates the stress of finding a reliable service provider, as the warranty company typically has a network of approved contractors or technicians.
Convenience and simplified process: When a covered item malfunctions, homeowners can simply contact the warranty provider to initiate the repair process. The warranty company will coordinate with a qualified service technician to assess and resolve the issue. This saves homeowners time and effort in searching for reputable professionals and scheduling repairs themselves.

Comprehensive coverage: Home warranties often cover a range of systems and appliances, including HVAC systems, electrical systems, plumbing systems, kitchen appliances, and more. This comprehensive coverage helps protect homeowners against failures in multiple areas of their home, providing extensive protection under a single warranty.
Transferability: Home warranties are often transferable, which can be beneficial when selling a home. Having a warranty in place can give potential buyers confidence in the condition of the covered systems and appliances, potentially making the property more attractive and providing an added selling point.
Additional services: Some home warranty plans offer additional services, such as discounts on home services, routine maintenance reminders, or access to emergency helplines. These added benefits can enhance the overall value and convenience of having a home warranty.

The 5 top home warranty companies in Fort Worth

Liberty Home Guard

Liberty Home Guard is a home warranty company that offers services in Fort Worth, Texas.

They offer three plans to policyholders with various options for appliance and system coverage: Appliance Guard, Systems Guard, and Total Home Guard.

A home warranty is a service contract that protects your home systems and appliances from normal wear and tear.

For example, if your AC suddenly breaks down, a home warranty would cover the costs of repair and replacement if needed.

Liberty Home Guard is one of the most trusted home warranties in Fort Worth. Their support team is available 24/7, and all of their technicians are professionally licensed.

All repairs come with a 60-day workmanship guarantee.

American Home Shield

American Home Shield is another home warranty company that offers services in Fort Worth, Texas.

They offer several home warranty plans with coverage for major home systems and appliances.

Their basic plan, ShieldSilver, covers 14 major home systems and starts at $39.99 a month.

Their next tier, ShieldGold, adds coverage for nine home appliances, including your refrigerator, washer, and dryer.

American Home Shield ProConnect® also offers appliance repair services in Fort Worth.

They pair you with a local, vetted repair person who will help you care for the appliances in your home

Complete Home Protection

Complete Protection (CP) is a home warranty company that offers services in Fort Worth, Texas.

They have been in business since 1998, and they pride themselves on their customer service.

They have live staff answering the phone 24/7.

Select Home Warranty

Select Home Warranty is a home warranty company that offers services in Fort Worth, Texas.

They have been in business for around 11 years and offer three home warranty plans with coverage for major home systems and appliances.

Their Bronze Care Plan offers basic coverage for most major appliances, including your refrigerator, clothes washer and dryer, and garbage disposal.

Their Gold Care Plan covers the main systems in your home, including heating, plumbing, electrical, and AC.

Their Platinum Care Plan offers all of the coverage that their Gold and Platinum plans do, in addition to coverage for ceiling fans, garage door openers, and a lot more.

Select Home Warranty is known for being cost-effective and offering a highly affordable service fee.

They also offer free roof coverage upon purchase of a policy plan.

America’s First Choice Home Club

America’s First Choice Home Club (AFC Home Club) is a home warranty company that offers services in Fort Worth, Texas.

They offer four home warranty plans with coverage for major home systems and appliances.

Their systems plan covers six major home systems, including air conditioning, heating, water heaters, electrical systems, plumbing systems, and ductwork.

Their Silver Plan offers coverage for nine appliances.

Their Gold Plan combines coverage for up to 15 appliances and systems.

Their Platinum Plan offers the most comprehensive coverage for up to 18 appliances and systems.

AFC Home Club offers competitive service fees of $75, $100, and $125.

They also allow customers to work with out-of-network contractors of their choosing as long as they are licensed, bonded, and insured.

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Author: Logan

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