How Much Does a Home Warranty Cost?

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The cost of a home warranty depends on the type of plan you purchase (i.e., appliance-only protection or appliance and home system coverage), the term (i.e., the duration of the contract), the size and type of your home and even where you live. 

A home warranty for a customer in the middle of the country may be roughly $450 for appliance protection and $600 for more comprehensive coverage, while a home warranty for a customer in New York may be between $900 and $1,100. These are annual costs, which means that monthly payments can range anywhere from $30 to $100.   

These costs do not reflect additional service fees or deductibles at the time of repair. Service fees are typically charged each time the service provider makes a visit to diagnose the problem. Service fees usually range from $75 to $125

Average annual costs may also fluctuate based on elective coverage, such as swimming pool or spa protection. Adding your swimming pool to your home warranty can bump up the price by several hundred dollars.