Home Warranty Analyzer
Map your home warranty policy to components and run probability-weighted year-by-year value analysis. Know whether your warranty is paying for itself.
How the Warranty Analyzer Works
Add your home warranty policy details — provider, premium, service fee, coverage cap, and effective dates — then map each covered component to its policy terms. The analyzer runs a probability-weighted year-by-year calculation showing whether the warranty will actually pay for itself over time.
- Full policy editor: provider, premium, service fee, coverage cap, effective and expiration dates
- Per-component coverage mapping with service-fee and limit overrides
- AI-powered policy import: paste your policy and let AI extract every field
- Net value chart showing year-by-year warranty cost versus expected payout
Probability-Weighted Value Math
The analyzer uses an S-curve failure probability model for every component, factoring in repair-vs-replace policies, claim denial rates, and contractor cost differences. The result: a defensible net-value number, not a guess.
- S-curve logistic failure model per component (3% baseline, ~95% past lifespan)
- Annual risk cost calculation: cost × failure probability × realization factor
- Coverage cap and per-component limit enforcement
- Cached summary metrics: covered count, annual cost, expected payout, net value
Why This Matters
Home warranties are sold on emotion. The Warranty Analyzer is the only tool we know of that runs the actual math on whether yours is worth keeping — accounting for the real probability each component will fail in the policy term.
- Stop renewing warranties on autopilot
- Know your break-even before the policy renewal
- Quantify exactly which components carry your warranty value
- Compare multiple policies side by side
Sample Output
See what this feature calculates for you.
Explore More Features
See everything CapEx & Maintenance Estimator has to offer.
Component Calculator
Track 15 standard components plus 5 custom items with replacement cost, useful life, and current age.
Learn more →40-Year Timeline
Project every replacement event over 40 years with compounding inflation and per-year cost overrides.
Learn more →Savings Modeling
Model a dedicated savings account with monthly deposits, investment returns, and savings inflation — and see exactly when your reserves fall short.
Learn more →Upcoming Replacements
Urgency-sorted cards flag what is overdue, due soon, upcoming, or long-term so you can prioritize repair budgets at a glance.
Learn more →Year-by-Year Overrides
Override any cost, inflation rate, monthly savings, or return rate for any specific year — perfect for planned renovations and known events.
Learn more →Failure Probability Model
Every component is scored with an S-curve failure probability model that drives the warranty analyzer and surfaces hidden risk costs.
Learn more →AI Contract Review Pipeline
Analyze contractor agreements, change orders, and warranties with a 5-step AI pipeline: plain English, risks, obligations, negotiation playbook, and executive brief.
Learn more →Included with All Apps
These features come with every app -- no extra cost.
Property Database
70+ fields, auto-save editing, live calculation sidebar, smart search and filtering.
Learn more →Comprehensive Property Data
Every number an investor needs across 11 organized sections with smart field types.
Learn more →Smart Editing & Live Sidebar
Auto-save with 800ms debounce, per-section status badges, and real-time calculations.
Learn more →Property Classification
Tag properties by investment strategy and property type. Filter and sort your entire portfolio.
Learn more →Real-Time Calculations
27 key metrics across 5 categories computed instantly as you type, with clickable walkthroughs.
Learn more →Portfolio Dashboard
Portfolio highlights, property cards, strategy and type breakdowns, overview charts, and cross-app features.
Learn more →AI Property Import
Copy a prompt, paste your MLS listing into any AI tool, and import 20+ property fields in seconds.
Learn more →Ready to Use Home Warranty Analyzer?
Get access to this feature and everything else in CapEx & Maintenance Estimator.