Enter any U.S. address and get a 0-100 score showing how much sense a home warranty makes at that exact location, backed by climate, disaster, flood, drought, and seismic evidence.
The Home Warranty Need Index helps you understand how much a home warranty is a necessity for you, based on your precise location and individual circumstances. Ignore promotional materials that try to persuade you a home warranty is always worth it; check the actual hazard data behind your address instead.
Warranty Index also covers auto warranties with a state-by-state need index, a free VIN warranty check, plus guides and original research. As part of our service we review and compare warranty companies, and you should know we may have a customer referral deal with some of them.
Data sources: NWS, NASA POWER, OpenFEMA, USGS, FEMA NFHL, U.S. Drought Monitor, U.S. Census
Jump straight to a state or city to see typical risk profiles and scores.
Comprehensive reviews of home warranty companies, including plans, coverage, and state availability.
In-depth guides and original research on home and auto warranty topics.
Our full state rankings computed from public climate, disaster, flood, drought, and seismic data.
ResearchWhere extended auto coverage earns its keep, from road quality and mileage to climate and corrosion.
GuidesPlain-language guides on costs, exclusions, claims, and when coverage actually pays off.
GuideWhat pool add-ons cover, what they cost, and when the extra coverage makes financial sense.
Put real plan prices next to the risk score above and see whether a warranty earns its premium.