Should You Buy a Home Warranty?
Estimate your annual repair costs and compare against the cost of a home warranty plan. Results are based on national averages and your selections.
Your Estimate
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Est. Annual Repair Cost
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Avg Warranty Plan Cost
Estimates are based on national averages for failure probability and repair costs by system type and home age. Actual costs vary by location, home condition, and specific equipment. This calculator is for informational purposes only.
How this calculator works
This is an educational estimate, not a quote. It compares the typical annual cost of a home warranty against the expected cost of repairs for the systems you select, using national-average repair costs and failure rates for a home of the age you choose. The assumptions are documented on our methodology page so you can check or reproduce them. Inputs are processed in your browser; we don't store them or tie them to any profile.
When to trust the result, and when not to
The estimate is most useful when your inputs reflect your actual home and systems. It's less reliable for unusual situations, an unusually old or well-maintained system, regional price extremes, or a plan with non-standard exclusions. Treat the output as an order-of-magnitude guide, not a binding number, and read the actual contract before buying.
No commercial thumb on the scale
We don't sell warranties, take commissions, or tune the result to favor any company. The same formula runs for everyone, and we publish it openly. The goal is to help you make an honest cost-benefit call, including the conclusion that a warranty isn't worth it for your situation.