Check your home
How the calculator works
Each system has a typical lifespan: about 15 to 20 years for a furnace, 12 to 15 for central air, 8 to 12 for a tank water heater, and 10 to 15 for most major appliances. When a system reaches roughly 80% of that lifespan, the odds of a major failure climb quickly. The calculator flags those systems and adds up typical 2026 installed replacement costs for each one.
The cost ranges are national averages for installed replacements. Prices run higher in expensive labor markets like California and the Northeast, and during peak season, when an AC fails in July or a furnace in January.
What to do with your results
If the calculator flagged one or more systems, you have two options: set aside the money to replace them yourself, or cover them now with a home warranty while they still work. A plan only covers items that are working when coverage begins, so the time to act is before something fails, not after.
See what a home warranty costs and exactly what it covers, or call (833) 667-1589 for a quote on your home.