Is a Home Warranty Worth It?

A Home Maintenance Calculator To Discover Whether To Use a Home Warranty or Not

The main reason people buy a home warranty is that they hope it will help them cover the cost of home maintenance. Whether appliances, or pools, what everyone is essentially looking for is whether their home warranty of choice covers what they need at a adequate price. However, not many people realize how much it costs to maintain their house now, and how much it will cost them to do so in the future. Our research team has developed a calculator that will help you compare spending on home maintenance and a home warranty, and get to understanding if home warranty is worth it or no for them.

To start your calculations, first, select the age of your house on the first slider at the top left corner of the calculator. On the next slider select the number of repairs you have per year. You can immediately see the comparison summary for home maintenance and home warranty in the window on the right side of the calculator.

 

 

Home Maintenance Calculator

Start Your Calculation




Appliance Sliders







Click for More Appliances











Is home warranty worth it for you? Is home warranty required or needed? If you see that the blue bar is higher than the red one, then it makes a lot of sense to purchase one for your home systems and appliances. In case you decided to buy a home warranty, we highly recommend you to carefully read our reviews first. They will help you select the best home warranty for you.

More data? View our comprehensive researches on home warranty costs and home warranty coverage.

Select Home Warranty

4.09
State Contours
Available in
Virginia
Facts and Figures
C
BBB Rating
24/7
Hours
$75
Cancellation
$430 - $500
Premium
$60
Deductible
$500 - $2000
Limits
Coverage
Icons_Summary_Electrics
Icons_Summary_Electronics
Icons_Summary_Heating_AC
Icons_Summary_Home_security
Icons_Summary_Kitchen
Icons_Summary_Laundry
Icons_Summary_Outdoors
Icons_Summary_Plumbing
Pros And Cons
Emergency service available
Available in 46 states
24/7 hours for service calls
High-value promotions
Clients praised contractor professionalism
Lower chance of payment delay
Low Google rating
Not accredited by BBB

Choice Home Warranty

4.03
State Contours
Available in
Virginia
Facts and Figures
C+
BBB Rating
24/7
Hours
$50
Cancellation
$408 - $480
Premium
$60
Deductible
$500 - $1500
Limits
Coverage
Icons_Summary_Electrics
Icons_Summary_Electronics
Icons_Summary_Heating_AC
Icons_Summary_Home_security
Icons_Summary_Kitchen
Icons_Summary_Laundry
Icons_Summary_Outdoors
Icons_Summary_Plumbing
Pros And Cons
High ConsumerAffairs rating
Emergency service available
Reservice available if repairs fail
Free reservice period for parts available
Available in 50 states
24/7 hours for service calls
Not accredited by BBB
Only 2 coverage plan(s) available

Total Home Protection

3.91
State Contours
Available in
Virginia
Facts and Figures
B-
BBB Rating
24/7
Hours
$50
Cancellation
$387 - $461
Premium
$60
Deductible
$400 - $500
Limits
Coverage
Icons_Summary_Electrics
Icons_Summary_Electronics
Icons_Summary_Heating_AC
Icons_Summary_Home_security
Icons_Summary_Kitchen
Icons_Summary_Laundry
Icons_Summary_Outdoors
Icons_Summary_Plumbing
Pros And Cons
Great coverage plans
Emergency service available
Reservice available if repairs fail
Free reservice period for parts available
Available in 48 states
24/7 hours for service calls
Not accredited by BBB
Only 2 coverage plan(s) available


For a more precise estimate, please add the age of your appliances on the appliance sliders: HVAC, Electrical system, Clothes washer and Refrigerator. According to our data, these items need repairs more often than others. You can add the age of more appliances by clicking on the button below the Refrigerator slider.

Using The Home Warranty Calculator

The summary graph shows you the overall cost per year for home maintenance vs. a home warranty. To see the detailed calculations, please click on the Calculations tab above the graph. Deductibles will vary between different home warranty companies in different states but we applied $50/deductible as sort of an industry average.

We hope our calculator helps you understand whether a home warranty is worth it or not. In every particular case the results will be different, of course. So, if you feel like you don’t need a home warranty now, you may check how much home maintenance will cost you in the future and compare its cost to the cost of a home warranty. This comparison will help you make a smart decision, and see if home warranty is worth it.