True Cost Estimator
Home Warranty True Annual Cost
Most people compare warranties by monthly premium. That's the wrong number. This tool calculates your true annual cost — premium + expected service fees + expected out-of-pocket above your coverage cap.
The Full Cost Formula
Premium + Add-ons + Expected service fees + Expected HVAC out-of-pocket
Your Home
Your Market
Used to estimate HVAC replacement cost midpoint for your area.
Your Quote
Cap type matters: A $3,000 combined cap across 2 units means both share $3,000 total. A per-unit cap gives each unit its own $3,000. Always ask which type you're being quoted.
Add-Ons You Need
Check all that applyYour Results
Estimated True Annual Cost
$—
Premium + expected service fees + expected HVAC out-of-pocket
| Component | Annual |
|---|---|
| Base premium | — |
| Add-on premiums | — |
| Expected service fees | — |
| Expected HVAC out-of-pocket | — |
| True annual cost | — |
HVAC Failure Risk
—
Expected HVAC Gap
—
Cap Coverage
—
Next Steps
Estimates use industry average failure rates and regional replacement cost midpoints. Actual costs vary by contractor, system condition, and local market pricing. HVAC failure probabilities are annualized averages — your specific unit may fail sooner or later. This tool is for planning purposes only and does not constitute financial or legal advice. Always verify coverage terms in the actual service agreement before purchasing.