Home Warranty Coverage Cost Calculator
ANA›Life Services Authority›National Calculator Authority›Home Warranty Coverage Cost Calculator
.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }
Home Warranty Coverage Cost Calculator
Estimate your total annual home warranty cost including base plan, optional add-ons, and service call fees based on industry-standard pricing.
Home Size (sq ft)
Coverage Tier
Basic (Systems Only) — ~$350/yr base Standard (Systems + Appliances) — ~$500/yr base Premium (Comprehensive) — ~$700/yr base
Service Call Fee (per visit, $)
Estimated Service Calls per Year
Optional Add-Ons (check all that apply)
Pool / Spa Coverage (+$150/yr) Well Pump Coverage (+$100/yr) Septic System Coverage (+$120/yr) Roof Leak Coverage (+$80/yr) Additional HVAC Unit (+$60/yr)
Home Age (years)
Calculate
function homCalc() { var resultDiv = document.getElementById('hom-result'); resultDiv.style.display = 'none'; resultDiv.innerHTML = '';
// --- Inputs --- var homeSize = parseFloat(document.getElementById('hom-home-size').value); var tier = document.getElementById('hom-coverage-tier').value; var serviceFee = parseFloat(document.getElementById('hom-service-fee').value); var serviceCalls = parseFloat(document.getElementById('hom-service-calls').value); var homeAge = parseFloat(document.getElementById('hom-home-age').value);
// --- Validation --- var errors = []; if (isNaN(homeSize) || homeSize 10000) errors.push("Home size must be between 100 and 10,000 sq ft."); if (isNaN(serviceFee) || serviceFee 150) errors.push("Service call fee must be between $50 and $150."); if (isNaN(serviceCalls) || serviceCalls 20) errors.push("Estimated service calls must be between 0 and 20."); if (isNaN(homeAge) || homeAge 100) errors.push("Home age must be between 0 and 100 years.");
if (errors.length > 0) { resultDiv.style.display = 'block'; resultDiv.innerHTML = '' + errors.join('') + ''; return; }
// --- Base Annual Premium by Tier --- var basePremium = 0; if (tier === 'basic') basePremium = 350; if (tier === 'standard') basePremium = 500; if (tier === 'premium') basePremium = 700;
// --- Size Adjustment --- // Industry standard: +$0.05/sq ft above 1,500 sq ft baseline var sizeBaseline = 1500; var sizeAdj = 0; if (homeSize > sizeBaseline) { sizeAdj = (homeSize - sizeBaseline) * 0.05; }
// --- Age Surcharge --- // Homes older than 10 years: +1.5% of base premium per year over 10 var ageSurcharge = 0; if (homeAge > 10) { ageSurcharge = basePremium * 0.015 * (homeAge - 10); }
// --- Add-Ons --- var addons = ['hom-addon-pool','hom-addon-well','hom-addon-septic','hom-addon-roof','hom-addon-hvac']; var addonTotal = 0; var addonNames = []; var addonLabels = { 'hom-addon-pool': 'Pool / Spa', 'hom-addon-well': 'Well Pump', 'hom-addon-septic': 'Septic System', 'hom-addon-roof': 'Roof Leak', 'hom-addon-hvac': 'Additional HVAC' }; for (var i = 0; i 0 ? addonNames.join(', ') : 'None'; var savingsColor = netSavings >= 0 ? '#27ae60' : '#c0392b'; var savingsLabel = netSavings >= 0 ? 'Estimated Net Savings' : 'Estimated Net Cost Over Coverage';
resultDiv.style.display = 'block'; resultDiv.innerHTML = '### Results ' + '' + 'Base Annual Premium (' + tier.charAt(0).toUpperCase() + tier.slice(1) + ')' + fmt(basePremium) + '' + 'Size Adjustment (' + homeSize + ' sq ft)' + fmt(sizeAdj) + '' + 'Age Surcharge (' + homeAge + ' yrs)' + fmt(ageSurcharge) + '' + 'Add-On Coverage' + fmt(addonTotal) + '' + 'Annual Service Call Fees (' + serviceCalls + ' × ' + fmt(serviceFee) + ')' + fmt(annualServiceCost) + '' + 'Total Annual Cost' + fmt(totalAnnual) + '' + 'Monthly Cost' + fmt(totalMonthly) + '' + 'Est. Coverage Value (' + serviceCalls + ' claims × $1,500 avg)' + fmt(estimatedCoverageValue) + '' + '' + savingsLabel + '' + fmt(Math.abs(netSavings)) + '' + '' + 'Add-ons selected: ' + addonStr + '
'; }
#### Formula
Adjusted Base Premium = Base Premium + Size Adjustment + Age Surcharge Size Adjustment = max(0, (Home Size − 1,500 sq ft) × $0.05) Age Surcharge = Base Premium × 1.5% × max(0, Home Age − 10 years) Annual Service Call Cost = Service Call Fee × Estimated Calls per Year Total Annual Cost = Adjusted Base Premium + Add-On Costs + Annual Service Call Cost Monthly Cost = Total Annual Cost ÷ 12 Net Savings = (Estimated Calls × $1,500 avg claim value) − Total Annual Cost
#### Assumptions & References
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