warranty card

Decide Whether a Service-Line Warranty Is Worth It — Free

Paste the premium, the cover limit and the exclusions, and read the cost per covered risk before the renewal date.

The proof surface

Warranties are sold on fear and priced against a limit that exclusions quietly reduce. Listing covered items next to the premium is what makes a renewal decision factual.

Inputthe premium, the cover limit and every exclusion as written

Rare deviceprices the warranty premium against the reader's own cover limit and exclusions rather than the sales brochure

Output artifacta card of covered items with the premium stamped against the limit and exclusions boxed

Cost$0 · local-first · one free run · samples labelled

Sample, not your facts: Sample: premium $186 a year, $4,000 limit, sewer repairs excluded, $250 excess on the electrical line, callouts included with parts extra — four concrete points across four types.

Why the flat version breaks

Automatic renewal

Warranties renew quietly at a new price, and the exclusions change between policy versions.

Exclusions treated as detail

A sewer exclusion on a service-line policy removes the most common and expensive claim on the cover.

Excess ignored

A $250 excess on a $400 repair means the policy pays $150 and the premium buys very little.

How to work the warranty card

List the terms

Premium, limit, excess, exclusions and inclusions, one per line.

Enter premium and limit

The two figures the card prices against each other.

Read the card

Covered items sit on ruled lines with exclusions boxed and the premium stamped in the header.

Decide with a number

Renew, self-insure the amount, or ask for the claim frequency before the renewal date.

What the card replaces

Question	Before	On the card
Is it worth renewing	compare to fear of a repair	premium priced against the cover limit and exclusions
What is really covered	brochure headlines	covered items listed with exclusions boxed
What to do instead	renew automatically	self-insure a figure you can absorb, or ask for claim frequency

The card is arithmetic on your policy wording; it does not interpret the policy or tell you whether to claim.

Run it on the samples, right here

FIRST-LOAD

Data note: Everything runs in this browser tab on the warranty card: your policy terms stays on this device, nothing is uploaded, and the reading is rebuilt only when you press run.

Go deeper: the companion app files the same reading as a index card with a stamped header

The article demo above runs without limits. The companion app keeps a local history, exports the rows as CSV, prints the ready-to-mail packet, and holds your drafts on this device — one free run, then $ 6 one-time for the layer that keeps filing.

The card and the cost-per-covered-risk reading are free. The paid layer keeps the policy record and prints a renewal decision note.

Open the warranty index card companion

Boundary

This warranty card works only on the policy terms and premium figures you paste you paste. It does not advise on insurance law, does not recommend a policy, and does not cancel or renew for you. The figures describe what you supplied, not what is true in the world. Confirm anything you plan to act on with the insurer's claims line for frequency figures, or an independent adviser before you rely on it.

What this is built on

Every figure comes from the policy terms and premium figures you paste you paste; nothing is looked up, scraped or asserted as verified.
Method: premium is compared with the cover limit minus the excess, with exclusions listed as their own rows
Sample values are labelled samples — illustrative by design, not your data and not a quotation of any organisation's policy.

Before: the reader renewed automatically. After: they can see $186 a year covering $4,000 with sewer repairs excluded.