Home Warranty Tools
Free tools to make better decisions about buying, comparing, and using home warranties - from cost calculators to contract checklists.
9
Tools
100%
Free
Required
No sign-up
Decision Tools
Run the numbers before you buy - annual cost exposure, HVAC cap adequacy, and self-insure break-even.
Home Warranty Cost Calculator
Estimate total annual cost including premiums, service fees, and out-of-pocket exposure based on your home age and systems.
HVAC Cap Sufficiency Checker
Enter your market and HVAC system type. See whether common coverage caps are adequate for your replacement cost.
Self-Insure vs. Buy Worksheet
Calculate expected value of buying vs. saving. Shows break-even analysis and expected annual payout.
Shopping Tools
Compare quotes on the metrics that matter and spot contract red flags before you sign.
Quote Comparison Worksheet
Side-by-side framework for comparing up to 4 home warranty quotes on coverage caps, service fees, and exclusion depth.
Contract Red Flag Checklist
12-point checklist to run against any home warranty contract before signing.
Company Scorecard
Rate a company on the 8 factors that predict claim satisfaction: HVAC cap, exclusion depth, response time, and more.
Ownership Tools
During and after your policy - document claims properly, calculate whether to file, and audit your coverage annually.
Claim Documentation Template
What to document before, during, and after filing a claim. Printable/fillable template to strengthen your case.
Service Fee Calculator
Calculate whether a specific repair is worth filing as a claim given your service fee and coverage cap.
Annual Coverage Audit
Yearly checklist to verify your coverage still matches your home systems and replacement values.
About these tools
All tools are free and do not require registration. Company scorecards use the same 8-factor methodology described on our methodology page.
Know What You're Looking For?
Once you've run the numbers, compare the companies that score well on the factors these tools measure.