Home Warranty Cost & Coverage Comparison
Free interactive tools to compare home warranty plans, calculate costs, and find the best coverage for your home.
Home Warranty Cost Calculator
Estimate your annual premium, service call fees, and total cost of ownership.
Estimated Costs
Annual Premium
Service Call Fee
Est. Repairs/Year
Total Cost of Ownership
* Estimates based on national averages. Actual costs vary by provider and location.
Plan Tier Coverage Comparison
See what's covered and excluded across the three most common plan tiers.
| Coverage Item | Basic / Systems Only | Combo Plan | Premium Plan |
|---|---|---|---|
| HVAC System | |||
| Plumbing System | |||
| Electrical System | |||
| Water Heater | |||
| Kitchen Refrigerator | |||
| Oven / Range / Cooktop | |||
| Dishwasher | |||
| Washer / Dryer | |||
| Garage Door Opener | |||
| Roof Leak Coverage | |||
| Pool / Spa Equipment | |||
| Septic System | |||
| Well Pump | |||
| Typical Annual Cost | $350 – $500 | $500 – $750 | $750 – $1,200 |
| Typical Service Fee | $75 – $125 | $75 – $100 | $60 – $85 |
Repair Cost vs Warranty Break-Even Calculator
Find out when a home warranty pays for itself compared to paying for repairs out of pocket.
Break-Even Analysis
Annual Repair Costs (No Warranty)
Annual Warranty Cost
Annual Savings / (Loss)
Top Home Warranty Provider Comparison
Compare leading providers on pricing, coverage limits, and service fees.
| Provider | Starting Price | Service Fee | Coverage Cap | Workmanship Guarantee | BBB Rating |
|---|---|---|---|---|---|
| American Home Shield (AHS) | $29.99/mo | $75 – $125 | Varies by item | 60 days | B |
| First American Home Warranty | $30/mo | $75 – $100 | $1,500/item | 30 days | A+ |
| Choice Home Warranty | $33/mo | $85 | Varies by plan | 30 days | NR |
| Cinch Home Services | $29.99/mo | $75 – $150 | $10,000/yr | 180 days | A+ |
| Liberty Home Guard | $34.99/mo | $65 – $100 | Varies by item | 60 days | A |
* Prices as of 2026. Check provider websites for current pricing and availability in your area.
📖 Learn More About Home Warranties
Our in-depth guides cover everything from filing claims to negotiating better deals.
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