The average home warranty cost per year typically ranges between $400 and $700, depending on coverage level, home size, and provider.
Reviewing the pricing structure of a reputable home warranty provider can help clarify what you are actually paying for.
However, that number does not tell the full story.
Homeowners also pay service call fees, optional add-on coverage, and potential upgrades that increase total annual cost. These additional fees can significantly change whether a home warranty is financially worthwhile.
Annual Premium
Most basic home warranty plans cost:
- $30 to $60 per month
- $360 to $720 per year
Plans that include more comprehensive coverage for HVAC, plumbing, electrical systems, and appliances fall toward the higher end of that range.
Service Call Fees
Each time you request service, you typically pay a fee of:
- $75 to $125 per visit
Even if the repair is covered, the service fee still applies.
For homeowners with multiple claims in a year, these fees add up quickly.
Optional Add-Ons
Many providers charge extra for coverage such as:
- Pool and spa equipment
- Septic systems
- Well pumps
- Additional refrigerators or freezers
These add-ons can increase total annual cost by $100 to $300.
What Influences Pricing?
Several factors affect cost:
- Home square footage
- Age of systems
- Location
- Coverage tier selected
Newer homes often qualify for lower pricing, while older homes may face higher premiums or exclusions.
Is the Cost Worth It?
Whether a home warranty is worth the annual cost depends on your financial situation and risk tolerance.
For homeowners with aging systems and limited emergency savings, paying a predictable yearly fee may offer peace of mind.
For others with strong repair funds, self-funding repairs may be more cost-effective.
Before enrolling, compare total annual cost, service fees, and coverage limits carefully.
If you’re comparing options, see our Best Home Warranty Companies Compared (2026 Guide).