The two costs you pay
The monthly plan price. This is what you pay to keep coverage active. Across the home warranty industry, plans typically run about $40 to $75 a month, depending on the plan level and where you live. Kitchen and appliance-only plans sit at the lower end. Whole-home plans that cover heating, cooling, plumbing, electrical and appliances sit at the higher end.
The service call fee. When something breaks and a technician comes out, you pay a flat fee per claim, usually somewhere between $65 and $125. Think of it like a co-pay. The plan covers the rest of the covered repair or replacement, up to the coverage limit.
Your exact monthly price and service fee are quoted when you call, because they depend on your state and the plan you choose.
What a year of coverage looks like
Here is a simple way to think about it. At a typical $55 a month, a year of coverage is about $660. One furnace replacement can run $3,000 to $8,000. One central air conditioner can run $3,500 to $7,500. A water heater is $1,200 to $3,000 installed. If even one major system fails during the year, the plan has usually paid for itself several times over.
- Typical plan price: about $40 to $75 a month
- Typical service call fee: about $65 to $125 per claim
- Furnace replacement without a plan: $3,000 to $8,000
- Central AC replacement without a plan: $3,500 to $7,500
- Water heater replacement without a plan: $1,200 to $3,000
These are general industry ranges, not quotes. Your actual price is set when you enroll.
Senior home warranty prices by plan type
| Plan type | What it covers | Typical monthly cost |
|---|---|---|
| Appliance plan (like our Kitchen Plus) | Refrigerator, range, dishwasher, washer, dryer, water heater and more | About $40 to $50 |
| Systems plan (like our Platinum) | Heating, cooling, plumbing, electrical, water heater | About $50 to $65 |
| Whole-home plan (like our Platinum Premier) | Home systems plus kitchen and laundry appliances | About $60 to $75 |
These are typical industry ranges for comparison, not quotes. Your exact price depends on your state and home, and is given on the phone in a few minutes.
What's the cheapest home warranty for seniors?
The cheapest plan is usually an appliance-only plan, because it leaves out heating, cooling and plumbing. That can be the right choice if your furnace and AC are fairly new but your kitchen and laundry appliances are old.
But cheapest is not always the best value. Heating and cooling repairs are the most expensive claims by far, so if your furnace or AC is more than 10 years old, a systems or whole-home plan usually saves more than it costs. The current promotion also gives new enrollments the first 3 months free, which lowers the first-year cost on every plan.
What changes your price
Plan level. An appliance plan costs less than a plan that also covers heating, cooling, plumbing and electrical. See the plan options.
Your state. Repair labor costs differ a lot from state to state, and plan pricing follows.
Home size and extras. Larger homes and add-ons like a second HVAC system can change the price.
Age doesn't. Your age, and the age of your home or appliances, does not raise the price. Older systems are covered as long as they work when the plan starts.
How to keep the cost down
Start with the current promotion. New enrollments get the first 3 months free, which takes a meaningful bite out of the first-year cost.
Pick the plan that matches what actually worries you. If your heating and cooling are newer but your appliances are old, an appliance plan may be all you need. If your furnace and water heater are original to the house, a plan that covers home systems is usually the better value.
Plans are month to month with no long-term contract and a 30-day money-back guarantee, so you are not locked in. Call (833) 667-1589 and we will give you an exact price for your home.