How Much Does a Home Warranty Cost in 2026?

Based on published quotes and third-party reviews in 2025-2026, here are rough monthly price ranges for the companies we track (always confirm for your address):

• Choice Home Warranty: ~$46-$49 (Basic) to ~$55-$58 (Total).
• American Home Shield: ~$30-$40 (ShieldSilver), ~$50-$60 (ShieldGold), ~$80-$90 (ShieldPlatinum).
• Select Home Warranty: ~$36-$64 before promotions.
• First American: ~$40-$140 depending on plan and state.
• Home Warranty of America: ~$48 (Premier) to ~$61 (Premier Plus) in a sample quote.
• The Home Service Club: ~$54 (Standard) to ~$67 (Comprehensive).
• 2-10 Home Buyers Warranty: from ~$27-$35.

Every visit carries a service call (or "trade call") fee, typically $60-$150. Some companies let you choose: American Home Shield offers $100 or $125; First American offers $75, $100 or $125. Choosing a higher fee lowers your premium, which can make sense if you expect few claims.

• Plan tier - systems-only and appliances-only plans cost less than combos.
• Location - prices vary by state and ZIP code.
• Home size and type - larger homes and multi-unit properties often cost more.
• Add-ons - pool/spa, well pump, septic, second refrigerator and similar extras.
• Billing - paying annually sometimes unlocks discounts or free months.

Add the yearly premium to the service fees you expect to pay, then check the caps on the items you're most worried about. A cheaper plan with a $500 per-item cap can cost you far more after one big repair than a pricier plan with a $3,000-$5,000 cap. Compare head-to-head in Choice vs Select or American Home Shield vs Choice.

This article is general information, not legal, insurance or financial advice. Coverage, prices and terms vary by company, plan and state - always read the full sample contract before you buy.