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Homeowner TipsA home warranty can be a lifesaver when major home systems break down, including your septic system. With approximately 25% of American homes relying on septic systems, these homeowners face additional maintenance and repair challenges. A septic system failure can lead to repair costs ranging from $5,000 to $30,000, making a home warranty with septic coverage a valuable investment.
But do home warranties actually cover septic systems? Yes, but with limitations. This guide explores the best home warranties for septic systems, their costs, coverage details, and key factors homeowners should consider before choosing a home warranty plan.
Jump to the best home warranties for septic systems
A septic system is an underground wastewater treatment structure commonly used in homes that are not connected to a city's sewer system. It treats and disposes of household wastewater by separating solids from liquids and allowing water to be filtered naturally into the soil.
A typical septic system consists of the following components:
Proper maintenance, including regular pumping and inspections, helps ensure the system functions efficiently and avoids costly failures.
Not all home warranty plans automatically include septic system coverage. Many providers offer septic system protection as an optional add-on, which homeowners must purchase separately.
A home warranty for septic systems may cover:
Most home warranties exclude:
Before purchasing a plan, always review the contract carefully to understand coverage limits and exclusions.
Not all home warranty companies offer septic coverage, and those that do vary in terms of cost, limits, and reliability. Most septic home warranty add-ons cost between $5 and $15 per month. Here are some of the best options:
Other providers with septic add-ons include, but are not limited to, American Home Shield, 2-10 Home Buyers Warranty, and Elite Home Warranty.
The total cost of a home warranty with septic system coverage depends on the provider and plan selection.
For example, First American Home Warranty charges $7.08 per month for septic coverage, which translates to about $85 per year.
Choosing the right home warranty involves looking at coverage, costs, and contract terms. Key factors include:
There are various reasons why a septic system warranty claim may be denied, including:
To ensure claim acceptance, make sure to review your service contract carefully to familiarize yourself with your plan's coverage limitations and stipulations.
See the top-rated home warranty providers to find the right one for you.
Compare CompaniesA home warranty with septic system coverage can save homeowners thousands in repair costs, but only if they choose the right provider.
Before purchasing a plan, read the fine print, compare costs, and check customer reviews to ensure the warranty meets your needs. With the right coverage, you’ll have peace of mind knowing your septic system is protected.
Some warranties include coverage for septic pumping, but only if a backup occurs.
Home warranties typically cover repairs to components, not full system replacements.
Typically, yes, but pre-existing conditions won’t be covered. Maintenance records may be required.
No, septic coverage is usually an optional add-on, and some providers don’t offer it at all.
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By Jaiden Hart
March 14th, 2025
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By Best Company Editorial Team
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