8 Best Home Warranty Companies In Waco, TX

We've compiled a list of the best home warranty companies in Waco so you can choose the right one for your home easily.

Owning a home in Waco can come with a lot of unexpected expenses. It's a nuisance when you seriously need your A.C. in the summer and it fails suddenly.

Compare the Best Home Warranty Companies in Waco

Waco is home to so many home warranty providers to choose from. Finding a home warranty plan that is a good fit for your home can be a bit of a challenge. Luckily we have taken into consideration things like coverage choices, pricing, service fees, customer service reviews, and more for each company to help you make a decision. Here is how each company ranked.

Company Name Choice Home Warranty American Home Shield Select Home Warranty
Number of Plan Options 2 3 3
Monthly Plan Cost $45.00 - $53.33 $29.27 - $74.27 $57.67 - $62.08
Better Business Bureau Rating B B B
Reviews Reviews Read Choice Home Warranty Reviews Reviews Read American Home Shield Reviews Reviews Read Select Home Warranty Reviews

Waco's Top Home Warranty Companies'

#1 Choice Home Warranty

Editorial Rating 98.5

    Pros:
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
  • 90-day repair guarantee

For homeowners who want the best overall in Waco, Choice Home Warranty is the best choice. Choice has 2 simple plans, making the selection process easy. The Basic Plan and Total Plan are the options the company has, and it also offers add-on coverage.

Choice has coverage caps of around $3,000 for most systems and appliances, but some plans may have different coverage caps, so it's a good idea to verify with the company. Service fees are $85. If you're looking for high coverage caps and a contract that's easy to understand, you'll want to have this plan on your side.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Basic Plan $45.00 $85.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater.

Basic Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer.

Basic Plan Add On

Total Plan $53.33 $85.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator.

Total Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer.

Total Plan Add On

#2 American Home Shield

Editorial Rating 98.1

    Pros:
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
  • Broad coverage on up to 33 appliances and systems

For homeowners who want the most customizable in Waco, homeowners should consider American Home Shield. AHS has 3 plans for you to choose from, which contain a combination of appliance and system coverage. Its plans are ShieldSilver, ShieldGold, and ShieldPlatinum.

AHS's service fees range from $70 to $125, and the coverage caps come out to about $2,500 per system or appliance. Plus, AHS offers a customizable plan and a low claim denial rate.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
ShieldSilver $29.27 - $44.27 $75.00 - $125.00

View Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan.

ShieldSilver Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldSilver Add On

ShieldGold $39.27 - $54.27 $75.00 - $125.00

View Items Covered

Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan.

ShieldGold Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldGold Add On

ShieldPlatinum $59.27 - $74.27 $75.00 - $125.00

View Items Covered

Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan.

ShieldPlatinum Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldPlatinum Add On

#3 Select Home Warranty

Editorial Rating 97.6

    Pros:
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
  • 90-day repair guarantee

Select Home Warranty offers the most cost-effective home warranty policy for Waco homeowners. Select offers 3 plans for you to choose from, which contain a mix of system and appliance coverage. The home warranty plans from Select Home Warranty include Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.

The coverage caps from Select are around $2,000. The service fees are $80, which is pretty affordable. Select is known as a provider with an affordable service fee and free roof coverage.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Bronze Care Plan $57.67 $60.00

View Items Covered

Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer.

Bronze Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Bronze Care Plan Add On

Gold Care Plan $57.67 $60.00

View Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater.

Gold Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Gold Care Plan Add On

Platinum Care Plan $62.08 $60.00

View Items Covered

Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages.

Platinum Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Platinum Care Plan Add On

#4 The Home Service Club

Editorial Rating 97.2

    Pros:
  • Policy starts in ten days
  • 24/7 customer service support
  • Generous coverage caps on important systems and appliances
  • 30-labor guarantee and 90-day parts guarantee
  • Offers utility and home service outside line coverage

In Waco, The Home Service Club is the best quick service home warranty . The 2 plans that HSC has include differing levels of system and appliance coverage, as well as add-on options. The home warranty plans from The Home Service Club include Standard Coverage Plan and Comprehensive Coverage Plan.

HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so it's important to check with the company. Service fees are $60, $75, or $95, depending on the plan you choose. When you purchase a plan from HSC, you will get quick coverage just 10 days after purchasing the policy and a 30-day labor guarantee and a 90-day parts guarantee.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Standard Coverage Plan $50.40 $60.00 - $95.00

View Items Covered

Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater.

Standard Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Standard Coverage Plan Add On

Comprehensive Coverage Plan $62.90 $60.00 - $95.00

View Items Covered

Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan.

Comprehensive Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Comprehensive Coverage Plan Add On

#5 Liberty Home Guard

Editorial Rating 96.5

    Pros:
  • Very highly rated among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Extensive list of 20+ add-on coverages
  • Easy claims process

Liberty Home Guard is a great option for homeowners who need the most trustworthy in Waco. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. The home warranty plans from Liberty Home Guard include Appliance Guard, Systems Guard, and Total Home Guard.

The coverage caps associated with Liberty's plans are close to the $3,000 mark for most major systems and appliances, and service fees are $75. Additionally, Liberty has guaranteed professionalism for every repair and some of the best customer service in the industry.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Appliance Guard $69.99 $75.00

View Items Covered

Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer.

Appliance Guard Included Item

View Add-on Items

Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser.

Appliance Guard Add On

Systems Guard $74.99 $75.00

View Items Covered

Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater.

Systems Guard Included Item

View Add-on Items

Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser.

Systems Guard Add On

Total Home Guard $79.99 $75.00

View Items Covered

Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater.

Total Home Guard Included Item

View Add-on Items

Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser.

Total Home Guard Add On

#6 Cinch Home Services

Editorial Rating 95.7

    Pros:
  • Offers home insurance deductible of $500
  • Extra long 180-day workmanship guarantee
  • Offers free cancellation in the first 30 days

For homeowners who want the best workmanship guarantee in Waco, Cinch Home Services is the best option. Cinch offers 3 plans for you to decide between, which contain a combination of system and appliance coverage. The home warranty plans from Cinch Home Services include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.

Service fees from Cinch range from $75 to $150. The coverage caps are also typically about $1,000-$2,000 for most appliances and systems. If you're looking for a 180-day workmanship guarantee and a wide range of coverage options, this is the provider for you.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Appliances Plan $34.99 - $50.99 $75.00 - $150.00

View Items Covered

Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer.

Appliances Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Appliances Plan Add On

Built-in Systems Plan $39.99 - $57.99 $75.00 - $150.00

View Items Covered

Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan.

Built-in Systems Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Built-in Systems Plan Add On

Complete Home Plan $49.99 - $67.99 $75.00 - $150.00

View Items Covered

Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan.

Complete Home Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Complete Home Plan Add On

#7 First Premier Home Warranty

Editorial Rating 95.3

    Pros:
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls

First Premier Home Warranty is the best coverage home warranty in Waco. The 2 plans from FPHW are comprehensive and offer both system and appliance coverage. The home warranty plans from First Premier Home Warranty include Premier Plan and Platinum Plan.

The coverage limits from FPHW are about $1,500. The service fees are $75, which is fairly affordable. Plus, FPHW has a quality customer service team and coverage for your appliances and home systems at affordable prices.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Premier Plan $35.00 $75.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door, Microwave, Oven, Plumbing system, Plumbing stoppages, Sump pump, Trash compactor, Water heater.

Premier Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum.

Premier Plan Add On

Platinum Plan $43.00 $75.00

View Items Covered

Air conditioning, Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door opener, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Sump pump, Trash compactor, Washer, Water heater.

Platinum Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum.

Platinum Plan Add On

#8 First American Home Warranty

Editorial Rating 94.7

    Pros:
  • Established company with a BBB accreditation
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • 24/7 service calls available
  • Offers replacement of some covered items that are too damaged to repair

For homeowners who need the best appliance in Waco, First American Home Warranty is a great option. The 2 policies that First American has include options for appliance and system coverage. The Basic Plan and Premier Plan are the options the company has, and it also offers add-on coverage.

First American's service fees are $85, and the coverage caps come out to around $1,500 for each appliance or system. First American is known as a company with comprehensive appliance coverage and a unique add-on that covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Basic Plan $38.00 $85.00

View Items Covered

Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser.

Basic Plan Included Item

View Add-on Items

Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade.

Basic Plan Add On

Premier Plan $48.50 $85.00

View Items Covered

Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser.

Premier Plan Included Item

View Add-on Items

Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade.

Premier Plan Add On

What does a Home Warranty Cover in Waco?

A home warranty will help you with systems and appliances in your home that experience damage because of normal wear. A home warranty in Waco can cover anything from a dishwasher to a heating system and everything in between. Some home warranties will even cover your roof if it leaks.

The home systems usually covered under a home warranty are

  • Electrical system
  • HVAC (heating and air conditioning)
  • Plumbing system
  • Water heater

Common appliances include:

  • Clothes Washer
  • Oven / Range / Stove
  • Dishwasher
  • Refrigerator
  • Clothes Dryer
  • Built-in Microwave

Cost of a Home Warranty in Waco?

Having an idea of what a home warranty costs while doing your shopping can help ensure you get the best deal on your home warranty coverage. The cost of the plan will vary based on the coverage choices, type of home, and the service fee that you opt for.

In general, service fees range from $60 to $150 and monthly fee from $30 to $80, depending on how much coverage you choose. What will also influence the overall cost is the add-on coverage you get. Keeping these costs in mind as you do your research will help you get a great deal on your home warranty.

Is a Home Warranty Worth It in Waco?

When shopping for a home warranty, there are some pros and cons you should bear in mind. Making sure you read the contract with care can help you get the best deal on a home warranty and one that fits your needs. Here are a few of the benefits that you can see from a home warranty:

  • Workmanship guarantee--A workmanship guarantee makes sure that in the event that a repair doesn't fix the issue, the home warranty company will continue to work with you to find a solution. Without a home warranty plan, you may pay for a repair and then never hear from that contractor again.
  • Quality contractors--Home warranty providers have connections with high-quality contractors. These contractors have to undergo testing and screening to make sure they can do a professional repair in your home.
  • Fast response times--Without a home warranty, you may have to wait several weeks for a contractor to come do the repair. But you can usually get service within a 24-48 hour period with a home warranty.

Home warranty companies can help protect you from unexpected expenses, but you should also keep the following in mind when thinking of getting a home warranty:

  • Choosing a contractor--You may not have the ability to select your own contractor depending on which home warranty company you opt for.
  • Coverage cap--The coverage caps may be a downside for some because the home warranty will only cover repairs and replacements below a certain amount.

Having access to a professional network of contractors is one of the benefits of having a home warranty. This makes getting repairs done super easy, since you won't have to look up contractors and call around for quotes.

FAQ's for Home Warranties in Waco

Which home warranty company is the best in Waco?

The best home warranty provider in Waco is Choice Home Warranty. Choice Home Warranty offers good customer service and an expansive network of experienced repair technicians in the area.

What's the difference between a home warranty and homeowners insurance?

A home warranty plan covers the normal wear of home systems and appliances. A homeowners insurance plan protects a home in case of something like a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster.

What is typically covered under a Waco home warranty?

A home warranty plan covers the repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.

Should I get a home warranty policy?

A home warranty policy can help investors, homeowners, home sellers, home buyers, and real estate agents. It can offer peace of mind to anyone that is involved with homeownership.

Our Rating Methodology

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:

  • Plan options: Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics: The more items covered in a home warranty plan, the higher the score.
  • Pricing: We take the monthly fee and service fee into consideration when rating pricing.
  • Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability: Finding coverage in your state can be a challenge if home warranty companies aren't located there. The more states covered, the higher the score.
  • Customer service: Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
  • Additional benefits: Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.

Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

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