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Free home warranty cost calculator for budgeting annual and monthly premiums. Adjust plan tier, home size, age, add-ons, and service call fees to see an illustrative total—not a binding quote.
Last updated: April 18, 2026
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Many plans trade off visit fees against premium—this model nudges the total slightly.
Estimated monthly
$54.17
About $650 / year
Notes
Illustrative
Tiered baselines
Compare how a higher tier shifts the total before add-ons.
Sq ft & years
Adjustments
Useful for rough budgeting when systems are older or larger.
Optional coverage
+$ in model
Real contracts list exclusions—verify add-on coverage terms.
Per visit
$75 / $100 / $125
A small illustrative nudge to annual total—providers vary.
Totals
Year + month
Many buyers think in monthly terms while contracts are annual.
Disclaimer
Illustrative
Always get official pricing from licensed providers in your state.
Default: 2,200 sq ft, 20 years old, standard tier, no add-ons, $100 service call fee:
Est. monthly
~$54.17
Est. annual
~$650
We combine a baseline annual premium by plan tier, add size and age adjustments, optional add-ons, and a small service-call fee trade-off. The result is an illustrative annual and monthly amount for planning—not a warranty quote.
Home warranties are service contracts; homeowners insurance is different coverage.
Also see our home insurance calculator for property insurance estimates.
Get a Custom CalculatorChange square footage, tier, or add-ons to see how fast the illustrative premium can move before you call providers.
Not financial advice; for education and estimation only.
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Suggested hashtags: #HomeWarranty #RealEstate #HomeBuying #Calculator