Home Warranty Tools

Free tools to make better decisions about buying, comparing, and using home warranties - from cost calculators to contract checklists.

Tools

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Decision Tools

Run the numbers before you buy - annual cost exposure, HVAC cap adequacy, and self-insure break-even.

Estimate total annual cost including premiums, service fees, and out-of-pocket exposure based on your home age and systems.

Enter your market and HVAC system type. See whether common coverage caps are adequate for your replacement cost.

10 questions. Honest math. Find out whether a home warranty makes financial sense for your specific home, market, and situation.

Compare quotes on the metrics that matter and spot contract red flags before you sign.

Pick two of the 15 companies we review and see scores, price, service fee, HVAC cap and our verdict side by side.

12-point checklist to run against any home warranty contract before signing.

Rate a company on the 8 factors that predict claim satisfaction: HVAC cap, exclusion depth, response time, and more.

During and after your policy - document claims properly, calculate whether to file, and audit your coverage annually.

What to document before, during, and after filing a claim. Printable/fillable template to strengthen your case.

Calculate whether a specific repair is worth filing as a claim given your service fee and coverage cap.

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.

Once you've run the numbers, compare the companies that score well on the factors these tools measure.

Use the numbers from this tool alongside our ranking of 15 companies.