Home Warranty or Self-Insurance? Let the Math Decide.
Stop paying for warranties that cost more than the repairs. Polivanex calculates your actual risk and tells you the optimal strategy for your home.
Start Your Free AnalysisComplete Home Protection Analysis
System Age Analysis
Evaluate HVAC, roof, water heater, and appliance ages against expected lifespans to calculate failure probability.
Warranty Cost Modeling
Compare annual warranty premiums and service fees against expected repair costs with actuarial precision.
Self-Insurance Calculator
Calculate the optimal monthly reserve amount to self-insure against home system failures.
Break-Even Analysis
Find exactly when self-insurance outperforms a warranty based on your home's specific risk profile.
Claim Denial Intelligence
Factor in real warranty claim denial rates by provider and system type for honest cost projections.
Personalized Recommendation
Get a clear WARRANTY, SELF-INSURE, or NEUTRAL recommendation with full financial reasoning.
How It Works
Enter Home Details
Provide your home age, system ages, and current warranty costs.
Run the Analysis
Our engine models failure probabilities, repair costs, and warranty value ratios.
Get Your Strategy
Receive a clear recommendation with monthly savings targets and break-even timelines.
Backed by Real Data
- ✓Home system lifespan data (HVAC, roofing, plumbing)
- ✓Warranty provider plan comparisons
- ✓Regional repair cost databases
- ✓Warranty claim denial rate statistics
- ✓Insurance actuarial tables
- ✓Consumer protection complaint data
Ready to Find Your Optimal Home Protection Strategy?
Free analysis. No account required. Results in under 60 seconds.
Start Your Free Analysis