Most US home warranty plans run ~$30 to $100 per mo, or ~$350 to $1.2K yearly, before service fees and add-ons apply.
Base rates depend on coverage scope and home type; condos can cost less than detached homes when shared components sit outside contracts.
Service fees often run $75 to $125 per visit, while add-ons like pools, roof leaks, wells, or septic systems raise totals quickly.
Coverage caps and exclusions matter for older homes, where preexisting defects, poor maintenance, rust, corrosion, or incorrect installation commonly fall outside contracts.
Compare yearly premiums and likely service fees against one major repair; useful coverage protects budgets when a large expense would strain finances.
