Cost comparison: How much can a home warranty save you versus cost?

September 30, 2022

So far, you’ve learned what a home warranty is and how they work, as well as what items and systems are under limited or extended warranty. Now comes the next part of our series: What do you do when an item or system in your home suddenly breaks down — pay for it out of your own pocket, or have your warranty cover it?

As you may recall, a home warranty covers repairs and replacements of items and systems that experience defects and unusual wear and tear during normal use. For example, a refrigerator’s compressor — whose job it is to keep your food cold — costs between $250 and $650, according to If the compressor needs replacement after years of normal wear and tear, that expense will come out of your wallet, as the warranty wouldn’t cover its replacement.

However, if the compressor starts leaking coolant due to a defect in construction, or if the compressor drops dead long before it should be replaced — allowing the fridge and your food to warm up, by the way — then it may be time to consider whether to have your home warranty cover the costs. Even if you are prepared to drop $250 to $650 on a new compressor, remember there is an installation charge. According to, labor is $100 to $200 an hour for removing the old compressor and installing the new unit.

Therefore, if you have a home warranty that covers parts and labor, it’s simply better to use your warranty rather than take the hit yourself. Not only will it give you and your family peace of mind, but it will also spare your wallet so you can do better things with that money, like buying groceries or supplies for a family trip.

In the long run, a home warranty can save you hundreds, if not thousands, of dollars every year. That’s definitely money you can take to the bank.




Technician was kind and efficient, and he explained what he was doing. Very pleased with the service call and 4Ever Home USA plan.

Henry Foster | 8/24/22


Thus far, so good! The sign-up procedure was simple, and their representative was professional, detailed, and helpful in explaining all of my choices. I’m curious to see how the warranty works at the time of a repair

Oliver Byrne | 8/13/22


The technician was knowledgeable and completed the work in a timely manner. He had to make a second trip to finish the repair since he didn’t have the spare available

William Finch | 8/24/22


The communication between 4Ever Home USA and the technician assigned to the job was excellent. The job was finished to a high standard

Ellis West | 8/14/22

Signing up for service with 4Ever Home…

Signing up for service with 4Ever Home USA was a fantastic experience. I received a letter to call for coverage, the associate who I worked with guided me through the technicalities and crafted a package for me that made financial sense for me before I could even check their website for plan selections. I believe I received good value for my money.

Nathan Ward | 7/4/22

A pleasant experience

A pleasant experience! We’re up and running in less than 24 hours. The technician was courteous and knowledgable. When parts were available, I never had to wait long. I’ve had 4Ever Home USA almost one full year and it has paid for itself in terms of time, money and stress savings.

Philip Faulkner | 7/3/22

So far

So far, I’ve only had one claim filed. It went extremely smoothly. Our ceiling was leaking, and a section of piping needed to be replaced. They swiftly dispatched a plumber, who repaired it the next morning. Highly Recommend 4Ever Home USA

Anna Gill | 7/3/22