Our 2025 Home Warranty Cost Guide Is Live
- Brian LaValle
- Apr 16
- 2 min read
Updated: May 22
By: Brian LaValle | Edited by Warren T. Guy | Updated: April 16, 2025 | 1 min. read
Advertising disclosure: When you use our links to buy products we may earn a fee, but that in no way affects our editorial independence.
Why a Cost Guide?
Prices swing from a few hundred dollars to nearly two grand a year, and almost every “average cost” stat online ignores service fees. We scraped provider rate sheets, state filings, and real invoices so you can benchmark any quote in minutes.
What Drives the Price?
Coverage level – appliance-only vs. full-house bundles
Home size & age – older, larger homes cost more
Location – extreme climates push HVAC costs up
Service-fee choice – higher deductible = lower premium
Add-ons – pools, spas, roof leaks, etc.
(See the full driver breakdown in the Cost Guide.)
Sample Provider Ranges
Company | Annual Cost |
2-10 Home Buyers Warranty | $230 – $540 |
Cinch Home Services | $340 – $480 |
Choice Home Warranty | $450 – $660 |
First American | $400 – $525 |
American Home Shield | $600 – $900 |
Repairs and premiums are considerably higher without a home warranty.
Item | Repair | Replace |
Refrigerator | $250 – $500 | $1,000 – $2,500 |
HVAC system | $350 – $1,200 | $3,500 – $7,000 |
Water heater | $250 – $700 | $1,200 – $2,500 |
One big HVAC failure can erase years of premium payments in a single day.
Is a Home Warranty Worth It?
A warranty usually makes sense if your systems are aging or your rainy-day fund is thin. It’s less urgent for brand-new builds that still carry manufacturer or builder backing.
Keep Reading & Comparing
Full Cost Guide — drill into fees for each appliances as well as costs-per-provider.
Top 10 Home Warranty Companies – 2025 — Coming in May; bookmark the blog or subscribe so you’re first to see the list and how each provider stacks up against these cost benchmarks.
Regular updates land on the blog, so swing by anytime you’re pricing coverage—or just curious. The Home Warranty Guide is here to turn fuzzy numbers into clear decisions.
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