Average Home Warranty Pricing in 2025
Home warranty pricing can vary, but most homeowners fall into these ranges:
- Monthly cost: $45–$80 per month
- Annual cost: $550–$950 per year
- Service fee per claim: $75–$150
Quick tip: The price depends on your home's age, size, and state — and which systems and appliances you want covered.
Price Breakdown by Coverage Type
| Plan Type | Avg Monthly Cost | Avg Annual Cost | Service Fee |
|---|---|---|---|
| Appliances Only | $40–$55 | $480–$660 | $75–$125 |
| Systems Only | $45–$65 | $540–$780 | $100–$150 |
| Combo / Whole Home | $55–$85+ | $660–$1,020+ | $75–$150 |
Prices also change based on ZIP code — hot-weather states often have higher A/C coverage costs.
What Affects Your Home Warranty Price?
The biggest factors include:
- Age of home and systems
- Number of A/C units
- Square footage
- Whether the home is older than 20–30 years
- Optional add-ons (pool, second fridge, well pump, etc.)
- Your state (A/C-heavy states usually cost more)
