Do Deductibles Matter for Home Warranties?

Know Your Deductible When Buying a Home Warranty

Home warranty deductible, or a service call fee, is an important concept to master if you want to understand how to find the cheapest home warranty plans for your needs. You need to consider it when you are trying to figure out whether a home warranty is “worth it” because these deductible fees can add up to substantial amounts that will have a strong impact on the value/risk equation, together with the actual home warranty coverage provided.

In addition to the deductible costs, you need to consider annual premiums and coverage limits for all covered items to select the best home warranty plan that would provide maximum value for your money.

Best home warranty plans by deductible range

CHOOSE YOUR DEDUCTIBLE
Any
Choose your State:
Company
Plan
Premium (Year)
Deductible
Limit
Coverage
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Company
Plan
Rating
Gold Care plan
Level:
Silver
Type:
Systems
$429
$60
$500 - $2,000
27%
Details
#1
Gold Care plan
Rating: 98.50
Level:
Silver
Type:
Systems
Deductible
$60
Limit
$500 - $2,000
Premium(Year)
$429
Coverage
27%
Details
Basic Plan
Level:
Silver
Type:
Combo
$348
$75
$3,500
43%
Details
Basic Plan
Rating: 95.10
Level:
Silver
Type:
Combo
Deductible
$75
Limit
$3,500
Premium(Year)
$348
Coverage
43%
Details
Essential Appliances Plan
Level:
Gold
Type:
Appliance
$479
$75
32%
Details
Essential Appliances Plan
Rating: 91.80
Level:
Gold
Type:
Appliance
Deductible
$75
Limit
Premium(Year)
$479
Coverage
32%
Details
Systems plan (HVAC + Water Heater Plan)
Level:
Silver
Type:
Combo
$399
$85
$750 - $25,000
18%
Details
Systems plan (HVAC + Water Heater Plan)
Rating: 89.50
Level:
Silver
Type:
Combo
Deductible
$85
Limit
$750 - $25,000
Premium(Year)
$399
Coverage
18%
Details
Gold Plan
Level:
Silver
Type:
Combo
$479
$75
$400 - $500
50%
Details
Gold Plan
Rating: 87.60
Level:
Silver
Type:
Combo
Deductible
$75
Limit
$400 - $500
Premium(Year)
$479
Coverage
50%
Details