Home warranty costs
A home warranty costs a national average of about $600 a year, typically $400 to $700, with a broad range of $300 to $1,000 depending on plan level. On top of the premium you pay a service call fee of roughly $75 to $125 every time a technician is dispatched - including visits that end in a denied claim.
By plan type, per year: appliance protection $400-$500, systems protection $400-$600, basic protection $400-$600, roofing coverage $350-$600, total protection $450-$900. Monthly equivalents run about $25 to $100. A separate product, the 10-year structural warranty on new construction, runs $500 to $1,500.
Add-ons, per month: second refrigerator $2-$4, well pump $8-$10, roof leaks $8-$10, HVAC maintenance $10-$15, electronics $15-$20, pool/spa $20-$40, guest units $25-$30. Pool and spa coverage at $20 to $40 a month is $240 to $480 a year on its own - price that against what pool repairs actually cost you.
The number people forget is the service fee. At $75 to $125 per dispatch, three service visits in a year adds $225 to $375 to a $400 to $900 premium. And you generally pay it whether or not the claim is approved, which is why the fee, the exclusions, and the caps have to be read together rather than separately.
Total realistic annual cost for a combined plan with a couple of add-ons and two or three service visits lands well above the headline premium. Write out your own number - premium plus expected add-ons plus two service fees - and compare it to what you'd put in a repair savings account instead.
Choosing home warranty on cost
The judgement calls that decide the bill, before anyone quotes you.
- Quote the total, not the monthly $25 to $100 a month sounds small. Annualize it, add add-ons, add two or three service fees at $75 to $125.
- Check the cap before the price A cheaper plan with a low per-item cap can be worse value than a dearer one. The cap is what you actually bought.
- Price add-ons against actual repair history Pool/spa at $20 to $40 a month is $240 to $480 a year. Do you spend that on pool repairs?
- Ask what happens at renewal Introductory pricing and renewal pricing are different things. Get the renewal terms in writing before the first payment.
- Confirm the service fee is charged even on denials Most contracts charge for the dispatch regardless of outcome. Verify yours and factor it in.
All home warranty cost
Service/Material Cost Page 19
Home Warranty Cost
Systems Plan Cost
Appliance Plan Cost
Comprehensive Plan Cost
Service Call Fee Comparison
Add on Coverage Cost
Home Warranty Plans Cost
Systems Coverage Cost
Appliance Coverage Cost
Combined Coverage Cost
Seller Coverage Cost
Buyer Coverage Cost
Optional Add on Coverage Cost
Claim Filing Support Cost
Basic Systems Plan Cost
Pool Spa Add on Cost
Septic Add on Cost
Well Pump Add on Cost
Roof Leak Add on Cost
State Cost Page 51
Home Warranty Cost in AL
Home Warranty Cost in AK
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Home Warranty Cost in AR
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Metro/City Cost Page 100
New York Home Warranty Cost
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Where these figures come from
Sources last checked
- Fixr - Home Warranty Cost · retrieved 2026-07-26
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