How Much Does a Home Warranty Cost in 2026? Prices, Service Fees and Cheaper Options
Published averages run from about $56 to $73 a month, plus a fee each visit. Here are the 2026 price ranges and how to work out what a plan really costs.
What published sources report
| Source | What it reports |
|---|---|
| NerdWallet (March 2026) | Average $73 per month; range $28 to $191; average service fee $108.45 per call. |
| This Old House (2026) | Average $56 per month; typical range $47 to $82 per month; service fee $75 to $125. |
| ConsumerAffairs | Basic plans start around $30 to $40 per month; combo plans average roughly $58 to $60; annual cost generally $350 to $900. |
| USA Today (syndicated) | 2-10 Home Buyers Warranty from about $32 per month; Select Home Warranty $44 to $47 with a $100 fee; Liberty Home Guard lists a $70 service fee. |
What moves the price
- Where you live. ConsumerAffairs found one provider's top plan quoted at $69.99 a month in Phoenix and $139.99 in Bridgeport, Connecticut.
- Plan level. Appliance-only, systems-only and combo plans differ.
- Service fee. A higher fee usually lowers the monthly price.
- Add-ons. ConsumerAffairs lists pool and spa near $20 a month, a well pump near $8.75 and roof leak near $8.54.
- Home size and age.
Cheaper is not always cheaper
A $50 monthly plan with a $125 fee and four visits in a year costs $1,100. A $58 plan with a $75 fee and four visits costs $996. Add the monthly cost for the year to the fees you expect to pay, then compare. Also check caps, exclusions and what the plan leaves out.
Names on "cheapest" lists
Published 2026 cheapest lists include 2-10 Home Buyers Warranty, American Home Shield, Liberty Home Guard, Select Home Warranty and AFC Home Warranty, with advertised starting prices such as $29.99 a month for one national brand. Starting prices are for the smallest plans. We do not endorse any of these companies.
Ways to lower the cost
- Get at least three quotes for the same home.
- Pick the level that fits what is most likely to break.
- Compare paying annually with paying monthly.
- Ask about seasonal discounts and the price at renewal.
Request a quote and we will lay the options side by side.
Sources
- NerdWallet, How Much Does a Home Warranty Cost in 2026?
- This Old House, Home Warranty Cost
- ConsumerAffairs, How much is a home warranty?
- ConsumerAffairs, 5 Cheapest Home Warranties of 2026
- USA Today (syndicated), Cheapest Home Warranty Plans for 2026
- Blake Insurance Group, advertised starting prices (2026)