A home warranty is a service contract that covers the repair or replacement of major home systems and appliances that break down due to normal wear and tear. Unlike home insurance which covers damage from unexpected events like fires or storms, a home warranty helps protect you from the high costs of repairing aging systems like your HVAC, plumbing, electrical, and major appliances.
With the average home repair costing between $300 and $1,500 (and major system replacements reaching $5,000 or more), a home warranty provides predictable budgeting through a small annual premium and service fee for each repair call.
Protect your budget from unexpected repair costs that can easily reach thousands of dollars for major system failures.
One call connects you with pre-screened, licensed technicians in your area, saving you time searching for reliable repair services.
Know exactly what you'll pay for covered repairs - just your service fee, regardless of the actual repair cost.
Reduce stress knowing that when covered items break, you have protection in place to handle the repair or replacement.
| Coverage Type | Basic Plan | Standard Plan | Comprehensive Plan |
|---|---|---|---|
| Major Systems | |||
| Major Appliances | |||
| Roof Leak Repair | |||
| Pool/Spa Equipment | |||
| Service Fee Per Call | $75-$100 | $75-$100 | $75-$100 |
| Annual Premium | $350-$500 | $500-$700 | $700-$1,000 |
Note: Actual coverage and pricing vary by provider, location, and home characteristics.
A covered system or appliance in your home stops working properly
Call your home warranty company to file a claim
A local, licensed technician is sent to diagnose the problem
If covered, the item is repaired or replaced for just your service fee
Compare quotes from top home warranty providers in minutes. See plans, coverage, and pricing side-by-side.
Get Free Home Warranty QuotesHome insurance covers damage from unexpected events like fires, storms, theft, or liability if someone is injured on your property. Home warranty covers the repair or replacement of home systems and appliances that break down from normal wear and tear. Most homeowners need both for complete protection.
Home warranty plans typically cost between $300 and $1,000 annually, plus a service fee (usually $75-$125) each time you request a repair. The cost varies based on your home's size, location, age, and the coverage level you choose. Our comparison tool shows you exact pricing from multiple providers.
Most home warranty companies do not cover pre-existing conditions - issues that existed before your coverage began. During the application process, you'll typically need to confirm that all covered items are in working condition. Some providers offer optional coverage for items with known issues for an additional fee.
With most home warranty plans, you must use the technicians in the provider's network. The benefit is that these technicians are pre-screened, licensed, and insured. If you prefer to use your own technician, you may be able to submit for reimbursement, but this varies by provider and may have limitations.
Don't wait for a major system failure to leave you with a huge repair bill. Compare home warranty plans now and find protection that fits your budget.
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