🚨 Homeowners Were Losing Thousands on Home Repairs — Until They Saw This Chart
Would you rather pay $1,050 a year... or risk a shocking $4,000+ repair bill when your fridge or A/C breaks? See the quick math below and why smart homeowners 55+ are locking in coverage today.
✅ = Covered / Predictable
❌ = Big Out-of-Pocket
💳 = Regular Plan Cost
⚖️ Average Annual Cost vs. Common Repairs
| Scenario |
Home Warranty |
No Warranty |
| Annual Premium | 💳 $600–$800 | $0 |
| Service Call Fee per Claim | 💳 $75–$125 | $0 |
| Major HVAC Repair | ✅ Covered ($100–$200) | ❌ $700–$2,500 |
| Water Heater Replacement | ✅ Covered ($100–$200) | ❌ $1,000–$1,800 |
| Refrigerator Compressor | ✅ Covered ($100–$200) | ❌ $900–$1,500 |
| Plumbing Issue (leak, clog) | ✅ Covered ($100–$200) | ❌ $300–$900 |
| Electrical Repair | ✅ Covered ($100–$200) | ❌ $300–$1,000 |
💰 Example Yearly Math
✅ With Warranty
| Annual plan | 💳 $750 |
| 3 service calls × $100 | 💳 $300 |
| Total | $1,050 |
❌ Without Warranty
| HVAC | $1,800 |
| Water Heater | $1,200 |
| Fridge | $1,000 |
| Total | $4,000 |
➡️ Net savings = ~$2,950 (even if you only use it once, it can still pay for itself).
⚠️ When It's NOT Worth It
- ✅ Brand-new appliances still under manufacturer warranty
- ✅ You're comfortable self-insuring a $3k+ surprise
- ✅ Planning to sell within a year
✅ Bottom Line
If your house or systems are 5+ years old, math favors having a warranty. You're paying $700–$1,000 to cap potential losses of $4k–$6k per year — that's basically buying downside protection for pennies on the dollar.
Offer ends soon ⏳