There are two fees to look out for when comparing home warranty providers: the annual premium and the claims service fee.
The annual premium is what you pay each year for your house warranty. You can pay on a monthly or annual basis, but it only ever makes sense to pay monthly if you're planning to move out of your home in less than a year. The annual fee for a 12-month home warranty (or 13-month home warranty, as most home warranty companies offer in practice) ranges from cheap plans for around $300 to premium plans for around $720, depending on how many systems and appliances you need covered.
The claims service fee (also known as the minimal service fee) is the amount you pay each time a contractor visits your home for a covered repair or replacement. The fee is only charged once for a covered repair/replacement; if the contractor has to visit multiple times for the same problem, you should only be charged the minimal service fee once.
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