Polivanex

Home Warranty vs Self-Insurance Calculator

Enter your home and system details below. Our Weibull failure model calculates per-appliance risk, warranty ROI, and the optimal protection strategy for your situation.

Home Details

System Ages

Leave blank to estimate from home age.

Current Warranty

Defaults to $600/year if left blank.

What This Calculator Does

  • ✓Models per-appliance failure probability using Weibull distributions (DOE/NAHB data)
  • ✓Calculates warranty ROI based on expected claims minus premiums and deductibles
  • ✓Computes optimal self-insurance reserve using NPV analysis over 5 years
  • ✓Provides a clear WARRANTY, SELF-INSURE, or NEUTRAL recommendation