Home Services
Home Warranty: What It Costs and What to Check
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
A home warranty costs about $222 to $1,877 a year. You also pay a fee each time a repair person comes out. The plan you pick and the size of your home matter most.
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What affects your home warranty price
Price range
Home warranty plans cost about $222 to $1,877 a year. Add-ons for things like pools or septic systems add about $180 to $250 a year. Not a quote or an offer. Your price comes from the warranty company. Source: Angi, 2026.
What moves the number
- Plan type. Appliance-only and systems-only plans cost less. Plans that cover both cost more.
- Home size. Bigger homes often cost more to cover.
- Add-ons. Pools, spas, septic systems and well pumps cost extra.
- Service fee. A lower yearly price often means a higher fee for each visit.
What to ask before you choose
- "What's the most you'll pay for each repair?" Many plans have a limit, or "cap," per item. A $500 cap won't go far on a new AC.
- "What gets a claim denied?" Read the rules on "pre-existing conditions" and "lack of maintenance." These are the top reasons claims get turned down.
- "How much is the service fee per visit?"
- "Can I pick my own repair person?" Most plans send their own.
- "How fast do you send someone?"
The catch: a home warranty isn't insurance. Home insurance pays for sudden damage, like a fire or a storm. A home warranty pays for things that wear out, like a dishwasher. Many claims get denied for "pre-existing" problems or "poor upkeep." Read the contract before you pay.
Related services
Protect and repair your home: Foundation repair · Water damage restoration · Home security · Is a home warranty worth it? · Basement waterproofing · Mold remediation · Radon testing and mitigation · Pest control · Home inspection · Chimney repair · All home projects
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