Home Warranty Cost Calculator
Wondering how much a home warranty should cost for yourhome? Select your state, home size, age, and coverage level below — we'll estimate your premium using real 2026 quote data from six major providers.
Home Warranty Cost Calculator
Estimate your monthly and annual premium in 30 seconds
What Drives Home Warranty Pricing?
Five factors determine your premium. Coverage type matters most: appliance-only plans start around $32/month while premium all-inclusive plans run $68+. Location is second — contractor labor rates vary up to 25% between states, and providers price accordingly.
Home age adds 6–10% for properties over 15 years old, since aging systems fail more often. Home size kicks in above 2,500 sq ft. Finally, your service fee tier works like an insurance deductible: pick a higher fee, pay a lower premium.
Average Cost by Region (2026)
| Region | Annual Cost |
|---|---|
| West Coast (CA, NV) | $480–$720 |
| Northeast (NJ, NY) | $450–$700 |
| Southeast (FL, GA, VA) | $380–$660 |
| South Central (TX) | $400–$640 |
| Midwest (NE, OH) | $350–$580 |
Excludes service call fees ($75–$125 per claim). See your state-specific guide for detail.