How Much Does a Home Warranty Cost? [2025 Data]
Home warranty cost averages $1,049, with a range from $80 to $8,100, depending on plan type, home size, and coverage options
Home warranty costs provide coverage for repairs or replacements of home systems and appliances when they break down.
Plan type, coverage options, and the size of your home are the main factors that impact what you’ll pay.
Bundling both appliances and systems under one plan can increase the value and convenience for homeowners.
Choosing annual or monthly payments gives you flexibility in how you budget for this ongoing protection.
Carefully reviewing contract terms and comparing service call fees helps you avoid surprises and get the most from your investment.
This article was created using automation technology and thoroughly fact-checked and edited by an Angi Editor in accordance with our AI policy.
Home warranty cost is a key consideration for homeowners seeking peace of mind. The average home warranty cost is $1,049 per year, with most plans ranging from $222 to $1,877 on average. Depending on your home’s size, coverage level, and provider, costs may be as low as $80 or up to $8,100. Learn everything you need to know about home warranty cost, including what affects pricing, how add-ons and service fees work, and tips to help you save.
Home Warranty Cost Factors
Understanding the factors that influence home warranty costs makes it easier to find the right plan for your needs and budget.
Coverage
The coverage included in your home warranty plan has a major impact on your overall cost. Plans can be appliance-only, systems-only, or comprehensive plans that cover both. Basic coverage focuses on standard appliances or systems, while enhanced plans include more features or higher-value items. Costs can also vary depending on whether you live in a single-family home, condo, townhouse, or multi-unit property.
| Plan Type | Description | Annual Cost Range |
|---|---|---|
| Appliance | Covers kitchen/laundry appliances | $400–$500 |
| Systems | Covers HVAC, plumbing, electrical | $400–$650 |
| Comprehensive | Covers both appliances and systems | $500–$1,200 |
| Roofing | Covers new roofs, leaks, and other issues | $350–$600 |
| Enhanced | Adds luxury or specialty item coverage | $700–$1,500 |
Home Size
Home size also impacts home warranty cost. Larger homes have more systems and appliances, which means higher costs for broader coverage. Smaller homes and condos are less expensive to cover, while luxury or multi-unit properties are at the higher end.
Frequency
How you pay for your home warranty can change your total cost. Annual payments are usually less expensive than monthly installments, and some providers offer discounts for multi-year contracts. Monthly payments spread costs out, but you may pay more in the long run due to administrative fees or surcharges. Renewal prices may increase over time, so it’s wise to review terms before committing long-term.
Labor
Home warranty plans include service call fees, which you pay each time you call a local home warranty professional or technician to verify a warranty claim. These fees usually range from $75 to $125 per visit and cover labor, diagnosis, and the initial trip. The actual labor rates are negotiated by your warranty provider and built into the service call fee. Some plans cap labor costs per claim, while others allow unlimited labor for covered repairs.
Service call fees can be higher in areas with increased labor costs or limited technician availability. Emergency or after-hours service may come with an extra surcharge, so check your contract for details.
Coverage Caps
Home warranty plans have coverage limits to how much they'll pay out for a given claim or over the course of the warranty term. Higher coverage limit plans equate to higher risk for home warranty providers, so they come with higher costs than lower coverage plans.
Location
Home warranty cost varies across the country. Regional differences in labor rates, risk of natural disasters, and even the local climate can all affect pricing. For example, homes in hurricane-prone states or areas with heavy appliance use often see higher premiums.
Add-On Coverage
Many homeowners choose to add coverage for features not included in standard plans. Add-ons can cover pools, spas, well pumps, septic systems, roof leaks repairs, and more. Each add-on increases your total home warranty cost, but can be essential for certain home types. Some add-ons are optional, while others might be required if your property has unique systems.
| Coverage Type | Description | Annual Cost |
|---|---|---|
| Pool/spa equipment | Covers pumps, heaters, filtration | $180 |
| Well pump | Covers repair/replacement | $60 |
| Septic system | Covers tank, lines, pumps | $120 |
| Second refrigerator | Adds extra kitchen or garage fridge | $40 |
Luxury Coverage
If your home includes high-end appliances, specialty systems, or custom installations, your home warranty cost will be higher. Coverage for premium brands or unique features (like smart home equipment) can add to your annual premium.
| Covered Item | Description | Annual Cost |
|---|---|---|
| High-end refrigerator | Brands like Sub-Zero, Viking | $50–$150 |
| Smart home systems | Wi-Fi thermostats, integrated controls | $30–$100 |
| Custom HVAC | Zoned, geothermal, or radiant systems | $75–$250 |
| Luxury plumbing fixtures | Designer tubs, multi-head showers | $40–$120 |
"Home warranties are a great tool for selling a house, but they won't cover any maintenance or normal wear and tear. What they define as normal wear and tear is up to the administrator of the warranty. Always research the warranty company on the Better Business Bureau to see if they're paying claims."
— Ryan Dossey, Co-Founder at SoldFast
How Often Should You Schedule Home Warranty Service?
You should use your home warranty whenever a covered appliance or system breaks down due to normal wear and tear. There’s no set schedule for making claims—service is requested as needed. However, it’s important to review and update your home warranty coverage annually to ensure it still fits your needs.
Seasonal changes can increase claim frequency, especially for systems like air conditioning in summer or heating in winter. To stay compliant with warranty terms, schedule annual checkups or routine maintenance on major systems. This helps prevent denied claims and keeps your coverage valid.
DIY Home Warranty Services vs. Hiring a Pro
A home warranty is a purchased service, not a DIY project, but it’s helpful to compare out-of-pocket repair costs with and without a plan. If you skip a home warranty, you pay full price for parts, labor, and sometimes emergency services. DIY repairs may save on labor but require skills, tools, and time—and come with the risk of mistakes or incomplete fixes. Skipping a warranty can save money if you rarely need repairs, but one major breakdown can quickly outweigh the savings
DIY repairs are only recommended for those with strong skills and proper tools. Otherwise, relying on a home warranty can offer peace of mind and protection from large, sudden expenses. With a warranty, you pay a service call fee and the annual premium, but most repair or replacement costs are covered for included items.
Tips to Reduce Home Warranty Costs
You can reduce your home warranty cost and still get the coverage you need with these budgeting tips
Shop around and compare multiple home warranty providers.
Choose the right coverage level—select only what you need to avoid overpaying.
Bundle appliances and systems to lower per-item costs.
Pay annually instead of monthly to take advantage of discounts.
Negotiate service call fees—some providers let you pick higher or lower fees to adjust premiums.
Maintain covered appliances and systems to prevent denied claims and extra costs.
Take advantage of promotions or loyalty discounts, such as seasonal deals or renewal incentives.
How Angi Gets Its Cost Data
Home is the most important place on earth, which is why Angi has helped more than 150 million homeowners transform their houses into homes they adore. To help homeowners with their next project, Angi provides readers with the most accurate cost data and upholds strict editorial standards. We extensively research project costs to develop the pricing data you see, so you can make the best decisions for you and your home. We rely on reputable sources, including the U.S. Bureau of Labor Statistics, academic journals, market studies, and interviews with industry experts—all to ensure our prices reflect real-world projects.
Want to help us improve our cost data? Send us a recent project quote to [email protected]. Quotes and personal information will not be shared publicly.
A home warranty is like a protection plan for things that insurance wouldn’t normally cover. You pay a monthly or annual fee to maintain coverage, and your home warranty provider will cover the cost of repair or replacement for covered items if something breaks down. The idea of a home warranty is that it provides you with peace of mind that you won’t have unexpected appliance or home system repair costs. They can also make your home more valuable to buyers, as they help ensure they won’t face high repair costs after putting a large down payment on a house.
Most home warranties last for a year, and you pay either for the entire year up front or you agree to pay monthly. Some home warranty providers let you extend the contract term to two, three, four, or even five years, and in some cases, contract terms can go up to ten years.
Either the buyer or the seller can purchase coverage, and who pays for a home warranty depends on the situation. Some sellers buy a year of home warranty coverage to entice buyers to purchase their home, while some buyers purchase coverage to ensure they’re not on the hook for expensive appliance and system repairs shortly after closing on their home.
Home warranty companies often structure their plans to include major appliances, home systems, or a combination of both. Plans that cover appliances include protection for your refrigerator, oven, stovetop, built-in microwave, and dishwasher, and some will include your clothes washer and dryer. Plans that cover home systems include coverage for your plumbing, electrical, heating, and cooling systems, plus related components, like water heaters . Combination plans include most appliances and home system components, and most providers also offer add-on coverage for other items in your home, like garage door openers, trash compactors, garbage disposals, and more.
