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Indoor plumbing is one of a home’s most critical systems, on par with the electrical system and heating, ventilation, and air conditioning. Some plumbing disruptions cause only a minor nuisance, but others can bring about significant and cascading problems that pose a danger to your home and even your health.
Qualified plumbers do not always come cheap. Something as commonplace as a clogged sink can cost a few hundred dollars to properly resolve, and specialized plumbing services for serious issues can cost thousands.
Plumbing warranty coverage—sometimes referred to as home plumbing insurance—can help you to affordably resolve leaks, clogs, and other plumbing issues, but it is not always immediately clear what a policy will and will not cover.
A home warranty with plumbing coverage is a worthwhile investment, but homeowners should be mindful of common exclusions. In this article, we’ll review the most common plumbing coverage questions. We’ll also explain what a standard home warranty policy will and will not cover with regard to a home’s plumbing system.
The coverage specifics for plumbing and any other home system can vary from company to company. It can even vary from policy to policy within the same company. Coverage can be dependent on the cost of your premium, the age and design of your home, your home’s location, and many other factors.
That said, below is some general information on the most common questions homeowners have about plumbing coverage. It is a good idea to refer to your contract or consult with your warranty provider to confirm the specifics of your policy.
The average home has two main lines going in and out: the main water supply line and the main sewer line.
Most plumbing warranties cover leaks, breaks of water, and stoppages, and this often includes the home’s main lines. There are some caveats to keep in mind, however.
Coverage for stoppages and clogs is often limited within a physical distance from the plumbing system’s access point. If the stoppage is more than 100 feet away from the access point, for instance, your provider may deny coverage.
Similarly, your provider may cover a stoppage or clog only if there is an accessible cleanout at ground level. A cleanout is a capped pipe somewhere on the property that provides easy access to the main lines. Many municipalities require cleanouts, especially for new homes. If you don’t have one, it may be worth installing one. Cleanouts make it significantly easier to resolve plumbing issues, which translates to lower bills for you or your warranty provider.
Finally, few warranties will cover main lines that are severed, collapsed, or damaged by tree roots. Homeowner’s insurance may cover this type of damage instead.
It depends, some home warranties or plumbing insurance for homeowners can cover frozen pipes. This is not necessarily a guarantee, though.
Some warranty providers may defer to homeowner’s insurance companies to cover frozen pipes. Other companies may offer the option to remove this coverage for residents who live in warmer climates.
If you’re on the hunt for a home warranty, research potential providers to determine if they offer coverage for frozen pipes. As you prepare to sign a contract, be sure that this coverage is listed explicitly.
A slab leak occurs when a pipe ruptures beneath a home’s foundation. A natural event—such as an earthquake—could cause a slab leak, or a leak may develop over time as materials age and deteriorate.
A home warranty is unlikely to cover a slab leak. It may be possible to negotiate coverage with some providers, but be prepared to pay a significantly higher premium.
The good news is that your homeowner’s insurance may cover slab leak repair if the leak occurs as a result of natural disaster or weather event.
A home warranty that covers outside plumbing is certainly a possibility. Many warranty providers will offer coverage for outside valves, spigots, and showers. Coverage for exterior drain pipes and sewer pipes is standard, though it may limited to within a specific distance of the home or access point.
Base plans will rarely include coverage for sprinkler or irrigation systems, holding tanks, septic tanks, and certain plumbing fixtures. Homeowners can usually work with a warranty provider to add coverage for such equipment, however. Again, it’s a good idea to explicitly communicate your needs when working with a provider to craft your home warranty policy.
Yes, a home warranty will often offer additional coverage options for some plumbing fixtures. A standard plan may cover toilet tanks and bowls, shower and tub components, and mechanical components of built-in tubs.
There are some exclusions to be mindful of. Cosmetic damage, such as cracked porcelain, is not usually included in a warranty. Homeowners may need to specifically request coverage for some fixtures, such as bidets, faucets, showerheads, shower arms, and cartridges.
Home warranties have their limits, but the right plan will reward homeowners with substantial savings, peace of mind, and convenience when it comes to routine home repairs. Fortunately, home warranty coverage is easy to come by.
In some cases, homeowners can be gifted coverage by another party. It is not uncommon, for instance, for a realtor to gift a home warranty to a client upon closing. Similarly, contractors or home builders may provide a plumbing warranty on new homes.
If you’re interested in seeking coverage for yourself, you can reach out to the Liberty Home Guard team. We’ll talk you through your coverage options and help you craft an affordable policy that suits your specific needs. You can request a free quote through our website, or you can contact us over the phone by calling (866)-435-0374.
Wondering how to protect your new home and your wallet from costly, unexpected repairs that are bound to come your way? A first home buyer warranty can give the protection and savings you’re looking for. This type of home protection is most often referred to as a home warranty. A home warranty is a service contract that covers the cost of repairs and replacements of your home’s systems and appliances when they break down from normal wear and tear.
You may be wondering what is the value of a home warranty for a buyer? Homebuyers, whether new or seasoned, find a home warranty especially helpful because owning a home requires a lot. And, even if a home may be brand new with all new appliances, they still will experience wear and tear.
A home warranty is not just for new homes. A homebuyer can purchase a home warranty at any time. It all functions the same, providing coverage of home systems and appliances, whether they are new or old. So, when something in the home needs to be repaired and it’s covered by a home warranty, the homeowner will file a claim with their provider. The provider will do the rest of the work, arranging for the technician to complete all the necessary repairs.
Appliance warranty coverage is becoming increasingly popular. This kind of coverage, also known as a home warranty, has simplified home repairs. A home warranty is a service contract that covers the cost of repairs and replacement of your home’s systems and appliances when they break down over time from normal wear and tear. Appliance warranty services vary by provider, but in general they allow homeowners to save money and time.
Many of our homes are powered by Maytag appliances. They are a reliable and vetted brand that specializes in everything from washing machines to microwaves to your HVAC system. Because of this, homeowners believe that a Maytag warranty for their home appliances may be a good investment in order to save money. Most Maytag appliances come with a limited warranty upon purchase. For example, you’ll likely have a maytag freezer warranty or a maytag washing machine warranty if these appliances are new purchases in your home.
A septic system warranty can save you money and time when it comes to repairing this costly, yet vital part of your home. Suburban and rural homes without access to public sewer systems will likely have to rely on a septic system for waste management. This means that it’s not only important to maintain this essential system in your home, but to also be prepared for the inevitable breakdowns that can occur to your septic system over time. This article will help you navigate septic system warranty plans.
Plumbing is essential to your home, making its maintenance a top priority. Breakdowns in your plumbing will eventually take hold and can be costly. There are ways to shoulder the cost of repairing and maintaining this vital system in your home. This article will cover the basics of a home warranty, which will offer coverage for your plumbing along with your home’s other appliances and systems. An extended plumbing warranty will only cover your plumbing.
Looking for ways to save money on home repairs? A home warranty is one of the best ways to get coverage for those costly, unexpected home repairs and USAA even offers a home warranty discount if you are a member.
A home warranty is a service contract that covers the cost of repairs and replacement of home systems and appliances when they break down over time from normal wear and tear. It can save you money and time, especially when it comes to repairing those big-ticket items, like replacing a furnace, which could cost around $3000 out of pocket.
Kenmore has been a household name for over one hundred years. As of 2021, Kenmore products include a suite of kitchen appliances, grills, washers and dryers, electronics, and equipment for air and water treatment.
For many years, Kenmore appliances were available only through Sears. Since Sears filed for bankruptcy in 2018, many homeowners who had purchased Kenmore appliances have wondered if the brand would continue to honor the warranties on their products.
There are many different terms for the types of insurance that provide coverage for your home’s appliances. Some of these terms are interchangeable, like homeowners maintenance insurance is sometimes called household repair insurance. The most important thing is to understand the difference in the details and not worry over the titles too much. Every home repair insurance provider is different and you will want to find a plan that best suits the needs of your home.
A water heater is one of many critical pieces of home equipment that is always working in the background to maintain a comfortable and functional home. You may go days or weeks without thinking about it, but you will certainly notice if your water heater malfunctions and leaves you without hot water.
Home appliance warranty plans are increasingly popular among American homeowners, but the breadth of available plans across many home appliance warranty companies can be intimidating for the uninitiated.
In this article, we’ll unpack home appliance warranties and share some information you should keep in mind as you shop for a plan that suits your home and budget.
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In this 2021 home warranty guide, we’ll go into the specifics of what our home warranty plans can cover. We’ll also share some information on how the home warranty process works.
While a home warranty is an excellent way to protect any home, Liberty Home Guard understands that there is tremendous variety in the specific needs and circumstances of American homeowners. What use, then, is a one-size-fits-all warranty policy?
A home warranty can be a wise investment that saves homeowners money on home maintenance and repair, but consumers need to find the right plan to maximize their savings. Part of determining the best plan is having a thorough understanding of all the costs associated with a given policy.
A home warranty and appliance warranty are similar policies. People sometimes even use the terms interchangeably. So, which one is for you? In this article, we’ll give you the information you need to make the right decision.
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GE, or General Electric, has been a familiar name in American households for well over a century. Given the company’s longevity and the breadth of their line of products, it’s likely that you have a GE appliance somewhere in your home.
In this article, we’ll provide an ov
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Moving is one of the most high-stress events we experience. Fortunately, a home warranty can make the process of selling your home a little bit easier.
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A home warranty for multi-family dwellings or a home warranty for apartment building complexes can save landlords a significant amount of time and money.
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Senior citizens often search for a place they can settle down in. They usually want to relax and live in peace during retirement and enjoy the luxuries of life on a relaxing Sunday morning.
As a result, they are making a significant investment in their current homes. One way to secure that
Talk to our Liberty Home Guard Agents 24/7.