This home warranty cost calculator shows the number that matters: your total yearly cost. Most ads quote a monthly price, but the real figure is the plan price, add-ons, and a service fee on every claim. Enter your own quote below and the calculator compares it with what you would pay a technician directly.
How to Use the Home Warranty Cost Calculator
- Plan price: use the written quote you received. Companies rarely publish per-plan prices, so ask for the figure in writing.
- Service fee: the amount you pay each time a technician visits. AHS lists $100 or $125 in its Plan Summary and Cinch lists $100, $125 or $150.
- Claims per year: be honest. Many homeowners file zero or one.
- Repair cost: use a local quote for the appliance or system you worry about most.
What Is a Normal Home Warranty Cost?
Public figures vary a lot by state, home size and plan. A Cinch cost article dated June 3, 2025 cites ConsumerAffairs numbers of $350 to $900 per year, or $30 to $90 per month, with an average of $67 per month. Treat that as a wide range, not a quote. Your own written quote is the only number that counts, and the calculator above is built around it.
Why the Service Fee Changes the Math
A plan with a low yearly price can still cost more if you file several claims, because every visit adds a fee. Two plans at the same yearly price can also differ by $25 or $50 per claim. Try the home warranty cost calculator with one claim, then three, and watch the break-even number move. A warranty tends to pay off when you have repeated, covered failures of expensive items. It tends to lose when you have none, or when the repair is excluded.
Home Warranty Cost Calculator: Common Questions
Does the home warranty cost calculator include coverage limits? No. Many contracts cap what they pay per item or per year, so a covered repair may not be paid in full. Read the limits first.
Should I count every repair? Only count repairs the contract would actually cover. Wear, pre-existing problems and lack of maintenance are common reasons for refusal.
Is the monthly price the real price? Not by itself. Multiply by twelve, add add-ons, then add the service fee for each claim you expect.
The U.S. Federal Trade Commission also explains what to check in its consumer alert on home warranties. For the wider decision, read Are Home Warranties Worth It, which also has a break-even tool.
A Documented Price Example
The only per-plan price sheet we could verify is the American Home Shield Texas pricing sheet for real estate plans. Single-family, one year: ShieldEssential $475, ShieldPlus $640, ShieldComplete $835, each with a $100 service fee. These figures do not describe other states or other companies. See our full home warranty cost breakdown for the sources.
What the Home Warranty Cost Calculator Cannot Tell You
- Whether your specific problem is covered. Pre-existing conditions, improper maintenance and coverage caps are common reasons for denial.
- Whether the company pays the full repair or only up to a limit.
- How long you will wait for a technician.
Before you buy, check the contract wording with our Contract Decoder. If a claim was already refused, use the claim denied letter tool.
This home warranty cost calculator gives estimates from the numbers you enter. It is not a quote and not financial advice.