Though you might think that a home warranty costs more than you can afford, most of these plans can fit into any budget. Though some work in the same way that insurance plans do and charge a monthly fee and have a deductible, the plans we found are much easier to use. You simply pay one amount when you sign up for the plan, which will then cover you for the next few years. Some plans even offer continued support and give you the option of extending your plan later. Let’s say that you find a home warranty plan that costs $100. When you file a claim, you pay either a deductible or a small service fee that covers the cost of a repair tech coming to your home. That is all you will ever pay though. Even if your repair costs $2,000 or more, you only pay the initial cost for the warranty and your service fee or deductible. Most plans cost just a few hundred dollars or less. Some break down the costs by day and let you get coverage for a few dollars or less per day.