Does a home warranty cover plumbing issues?

Author: Neoma Torphy  |  Last update: Tuesday, June 3, 2025

Thankfully, a home warranty does cover plumbing systems, so you don't have to worry about the specifics of it all. But because it's pressurized, the water supply line can sometimes build up pressure that can burst pipes and lead to other issues.

Which of the following would not be covered by a home warranty?

Doors, windows, and walls

A home warranty is primarily designed to cover systems that require complex repair work, such as HVAC, electrical, and plumbing systems. Although doors, windows, and walls are essential components of your home, they do not generally fall under the coverage of a home warranty.

Does homeowners insurance pay for plumbing repairs?

Homeowners insurance typically covers losses resulting from a sudden malfunction, such as a pipe bursting unexpectedly. However, a homeowners policy won't cover slow, constant leaks or other plumbing problems resulting from neglect or improper maintenance.

What is excluded from a home warranty?

Some examples of items not covered include: Acts of nature: Home warranties typically don't cover damage caused by natural disasters like floods, earthquakes, hurricanes, or other acts of nature. Pest damage: Damage from termites, rodents, or other pests is usually not covered by home warranty plans.

What is not covered under a warranty?

In short, repairs that are not covered under a standard warranty typically fall into two categories: normal wear and tear, and unauthorized modifications or repairs. Normal wear and tear includes things such as scratches, fading, and loose parts.

Understanding Home Warranties: Plumbing Coverage Explained

Is plumbing covered under a home warranty?

A home warranty covers plumbing inside the home, so plumbing that is outside the home or under your slab is not covered. Depending on your homeowner's insurance, slab leaks may be covered by your insurance policy. AFC does not cover improperly installed or repaired plumbing.

Do home warranties cover water damage?

A home warranty covers repairs for the item causing the leak—such as a broken washing machine or a failed pipe—but doesn't typically pay for water damage to floors, walls, or personal property. For that, you would turn to homeowners insurance if the damage is due to a covered event.

Does a home warranty cover a toilet?

Home warranties can cover repairs for common toilet problems like leaks, clogs, and running water, but it's crucial to read the plan details to understand the extent of the coverage.

What does a home warranty cover when buying a house?

In general, a home warranty covers your home's major systems and appliances when they break down from normal wear and tear. An example of a major system would be your HVAC system. An example of a major appliance would be your refrigerator.

Does home warranty cover parts and labor?

A home warranty is a service plan that covers most parts and labor costs to repair or replace major household appliances and system components. Examples can include the furnace, HVAC, plumbing and electrical.

What type of plumbing is not covered by insurance?

Homeowners insurance usually won't cover damage to your home caused by sewer, septic tank or drain backups. That's unfortunate, because these types of backups can cause thousands—even tens of thousands—of dollars of damage to your personal property.

Does home insurance cover pipes under house?

If the break or hole in pipe occurred within your home's foundation, it may be covered., however, it is not likely that your policy will cover pipe bursts or breaks that occur outside of your home's foundation “footprint”.

How much does a plumber cost?

Average Flat Rate

Some plumbing jobs are billed at a flat rate. As of 2025, the average plumber rates for larger repairs are typically between $500 to $800, while smaller jobs like repairing toilets, sinks, faucets, or bathtubs typically range from $125 to $350.

Why doesn't my home warranty cover anything?

Generally, a home warranty won't cover damage caused by the homeowner, including damage due to lack of maintenance, like failing to replace a filter. The policy typically doesn't cover a manufacturer defect, pre-existing issue or items already covered by another warranty, either.

What does a $500 home warranty cover?

For a fee of $500-$1,000, a home warranty contract typically provides one year of coverage for things such as major appliances, heating systems and plumbing. For additional fees, warranty companies offer optional coverage for pools, wells and other items they do not consider basics.

Which two are not usually covered by homeowners insurance?

More than likely, your policy doesn't cover flooding or earthquakes. That makes sense since not all areas of the country are prone to earthquakes or flooding. If you need coverage, you'll need to purchase a policy for whichever you need. Earthquake insurance and flooding insurance are two different policies.

Do home warranty cover plumbing?

Thankfully, a home warranty does cover plumbing systems, so you don't have to worry about the specifics of it all. But because it's pressurized, the water supply line can sometimes build up pressure that can burst pipes and lead to other issues.

What is excluded from home warranty?

Home warranties don't usually cover structural items, like walls, windows and doors. Depending on your coverage and the age of the home, these items may be covered by a builders warranty or under your homeowners insurance policy.

Which of the following is typically not covered under a home warranty?

Common Items Not Covered by Home Warranties

Windows and doors: As part of the structural elements of your home, they fall outside the coverage. Bathtubs and Showers: While associated with your plumbing system, they typically aren't covered due to their structural nature.

Do home warranties cover burst pipes?

Home warranty plumbing coverage for major related issues

But you may not be aware that a home warranty covers plumbing systems too. Warranty coverage for plumbing can include the following: Leaks and breaks of water, drain, gas, waste or vent lines. Pipe repair or replacement.

Does warranty cover water?

Sadly, most smartphone brands do not cover water damage even if the smartphone is under warranty.

Does a home warranty cover drainage issues?

Generally speaking, home warranties do cover plumbing when issues result from normal wear and tear. Not every plan is created equally, though, so it's important to look at what exactly is covered, especially if you already have a contract.

Does homeowners insurance cover plumbing repairs?

Does homeowners insurance cover plumbing repairs? Homeowners insurance may cover water damage from a sudden accidental plumbing problem such as a burst pipe. However, it generally won't cover repairs to the pipe. The exception is if pipes are damaged by a fire, storm or another event your policy covers.

What damage is not covered by warranty?

Warranty stands void for theft, abuse, misuse, neglect; vandalism, or environmental conditions (fire, floods, rust, corrosion, sand, dirt, windstorm, hail, earthquake, or exposure to weather conditions).

What water damage is not covered by homeowners insurance?

Basically, any water that flows into your home from the ground isn't covered. So rainwater, a surging river and saturated ground aren't covered. Homeowners can purchase separate flood insurance through FEMA's National Flood Insurance Program (NFIP), your agent can help with this process.

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