Is My Septic System Covered by Home Warranty?

Erin Easley

Written By Ryan Merchant

Published 03/23/24
Is My Septic System Covered by Home Warranty

Updated April 2021

Your weekend has been busy but running smooth. Then, Sunday night, you prepare to take a shower only to find that water has backed up into the bathtub, or worse, water is all over the floor. Look at the plumbing around your home at once and see if you can smell any unpleasant odors around the outside, specifically around the septic tank. Because if you wait for an obvious sign, like puddles on your lawn, it may be too late to fix this yourself.

If you have a warranty for your septic system covered, you’ll probably be okay financially, with only a basic service call fee charge. But if you don’t septic system repair with home warranty, or on the septic system itself, then you may be in a financial bind, or without a septic system at all.

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The Significance of Septic Systems

Septic systems are a vital but often overlooked component of a home’s infrastructure, especially in rural areas where municipal sewage systems are not available. These systems are responsible for treating and disposing of household wastewater, ensuring that it doesn’t pose health hazards or harm the environment.

A well-maintained septic system can last for many years, efficiently processing and disposing of wastewater. However, septic systems are not immune to issues such as clogs, leaks, or component failures. When these problems occur, they can lead to unpleasant odors, sewage backups, and potentially costly repairs or replacements.

How Septic Systems Work

Before delving into whether or not your septic system is covered by a home warranty, it’s essential to understand the fundamental workings of these systems.

A septic system consists of several components:

Septic Tank: This underground tank collects and separates solid waste from wastewater. The solids settle at the bottom of the tank and are decomposed by bacteria, while the liquid effluent flows out to the drainfield.

Drainfield: Also known as a leach field, this is a network of perforated pipes buried in the soil. The liquid effluent from the septic tank flows into the drainfield, where it’s further treated and absorbed into the ground.

Soil: The soil in the drainfield plays a crucial role in the final treatment and filtration of wastewater before it returns to the groundwater.


Its All Fun and Games Until The Septic System Quits

Septic system problems and repairing your septic tank isn’t a laughing matter. And having Septic System problems without having either home warranty or septic system warranty coverage will make the difference if this is just a minor inconvenience or you have quickly gotten into an uninhabitable situation.

They Can Last For Years With Your Help

The septic system for your home is a vital system and you shouldn’t ignore the bad omens that are indications of a septic system failure because it is only going to get worse. We all want our home to be in optimal living condition, but it can’t do it by itself. The septic system is like all the workings in your home – it needs your attention and preventive maintenance.

With proper attention and  maintenance, your septic system can last you for decades. But this doesn’t mean that you won’t experience an occasional malfunction, which is when you want to make sure your septic system covered to protect you and your home when that happens.

Septic System problems can be from a failure of the septic sewage ejector pump happening when the system doesn’t properly function. This can require professional service which can result in a repair or replacement of the ejector pump. The repair will be the least expensive with the replacement costing you hundreds of dollars. The unbudgeted, unplanned expense to get your system back to work.

For saving on septic system repair expenses, having a septic system repair with home warranty included together will give you peace of mind and save you money in the long run. Because without a warranty, repairing your septic tank can end up costing you more than your mortgage, utilities, monthly car payment altogether do.

What Do You Do When You Suspect A Septic Problem?

Don’t wait to place your claim with Liberty Home Guard or other home warranty service you may have chosen. The purpose of having a home warranty with septic system warranty is to provide you and your home protection when there is an unexpected breakdown.

By keeping a watchful eye for warning signs with your septic system though, you can even avoid the unexpected from happening. Such as slow draining sinks and tubs or sewage backing up in the sinks, toilets or tub.

Septic System Coverage in Home Warranties

The inclusion of septic system coverage in a home warranty plan is not universal. Whether or not your septic system is covered depends on several factors, including the home warranty provider, the specific plan you choose, and any optional coverage you select.

Here’s what you need to know about septic system coverage:

Provider Variability: Home warranty providers differ in terms of what they cover. Some providers offer comprehensive plans that include septic system coverage, while others may offer it as an optional add-on.

Plan Selection: When choosing a home warranty plan, carefully review the coverage details. Look for mention of septic systems in the contract and confirm whether it’s part of the standard coverage or an optional upgrade.

Optional Coverage: Even if your chosen home warranty plan doesn’t include septic system coverage by default, you may have the option to add it for an additional fee.

Contract Terms: Read the fine print in your home warranty contract. Pay attention to coverage limits, exclusions, and any maintenance requirements for the septic system.

Benefits of Including Septic System Coverage

Financial Protection

The primary advantage of including septic system coverage in your home warranty is financial protection. If your septic system experiences issues, the cost of repairs or replacements can be substantial. Having coverage can mitigate these expenses, making it easier to manage your budget.


Home warranties provide a streamlined process for addressing issues with covered items. You don’t have to search for a reputable contractor or worry about negotiating repair costs. The warranty company handles the logistics, including dispatching a qualified technician to address the problem.

Peace of Mind

Knowing that your septic system is covered can offer peace of mind. You won’t have to stress about unexpected repair bills or disruptions to your home’s wastewater management. This assurance can be especially valuable in rural areas where septic systems are prevalent.

Make Sure Your Home Warranty Covers All The Major Facets

In addition to making sure your home warranty covers all your major appliances and systems, such as electrical, plumbing, and septic, be sure you have other warranty coverage for the HVAC system and your roof.

Your home is a major investment and you want to keep it protected, as well as your wallet. Give us a call at Liberty Home Guard to find out how you can get full HVAC coverage with our home warranty packages. We also offer a home warranty with roof coverage packages as well. Give us a call today and one of our experienced, qualified customer service representatives will be happy to discuss the features and options of all our packages as well as discuss the possibility of creating a customized package for you.

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