Texas is a massive state with plenty of options for homeowners. Whether you want coastal life or country life, Texas has options for you. However, homeownership in Texas has its own unique set of challenged. Fortunately, a home warranty can help. Choosing the best home warranty company for your Texas home can take a bit of time and patience. Keep reading to learn more about our top picks.

In this guide, we will cover . . . 

  • What is a home warranty?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a Texas home warranty?
  • The 7 best home warranty companies in Texas for 2021 
  • And much more!
Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

Texas can see some extremes when it comes to temperatures. Even areas like Austin can have 100 degree days and a snowstorm in the winter. With these wide ranges in temperatures and weather conditions, it pays to have a home with lots of systems and appliances. However, when these start to break, homeownership gets expensive and stressful. 

If you are interested in the best home warranty company in Texas, we have narrowed down the choices to the top 7 for you to consider.

Best Home Warranty Companies in Texas

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.5
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Top 7 Best Home Warranty Companies in Texas

Texas Home Warranty Companies Reviews

At Review Home Warranties we reviewed more than 60 home warranty companies for the state of Texas. When narrowing these companies down, we looked at coverage options, pricing, BBB ratings, customer service, service fees, and more. Here are our reviews of the top 7 home warranty companies in the state of Texas.

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Texas. The Choice Home Warranty service contract is one of the most simple on the market. When you review the Choice Home Warranty contract, you will see how moderately priced, and clear-cut the policy is. Homeowners will quickly determine what systems and coverages are part of their Choice Home Warranty plan. 

Pros

  • Comprehensive plan options
  • Simple contract
  • Fair pricing for monthly and service fees 
  • Free Cancellation for the first 30 days 

Cons

  • No option to build out a custom plan 

Plans and Pricing 

There are two Choice Home Warranty policies for homeowners to choose between. Each of these plans has both systems and appliances on it. For more in-depth coverage, the Total Plan is the best choice. 

  • Basic Plan: $42 per month 
  • Total Plan: $50 per month 
  • Service Fee: $85 per month 

Coverage

The Choice Home Warranty is known for having exactly what a homeowner needs in a plan. The mix of coverage choices. Impressive policy choices and overall great value make your Texas home warranty an easy selection. Some of the most popular coverage choices for Texas homeowners include. . . 

  • Plumbing system 
  • Electrical System 
  • Water Heater
  • HVAC system
  • Heating System 

What Customers Are Saying: 

First time using Choice Home warranty, and my experience processing my claim was great. Customer Service has been very professional in helping me with the claim. I had issues getting in touch with the contractor, and CS put me on hold, less than a minute, and got in touch with the company, and within couple hours, they were at my house.” Source

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Texas homeowners. Depending on where you live in Texas, the coverage you will need for your home will vary quite a bit. Luckily with the American Home Shield, you can build out a plan to work specifically to your needs as a homeowner. American Home Shield has been on the market for more than 50 years, and this has helped them put together a really great product. 

Pros

  • More than 50 years of industry experience 
  • Can build out your custom plan and customize pricing 
  • Impressive customer service 
  • Plenty of add on coverage choices 

Cons

  • Considered to be a more premium home warranty policy 
  • Some of the policy choices are priced a bit higher 

Plans & Pricing

Even though the American Home Shield policy offers you three plans to choose from, you can still build out a plan to work specifically for your needs. There are three AHS plans for Texas homeowners; each covers the home systems, and two out of the three will also cover appliances. When it comes to the pricing of Texas warranties, AHS stands out towards the top, yet still affordable. 

  • Silver Plan: $45 per month
  • Gold Plan: $55 per month
  • Platinum Plan: $79 per month 
  • Service Fee: Service fee can range from $75 to $125 and will impact monthly pricing 

Coverage 

Texas homeowners with swimming pools, spas, and even high-end systems will want to consider the American Home Shield plan. There is no lack of coverage choices for the customer that chooses AHS. Some of the most popular AHS coverages are . . .

  • Plumbing System  
  • Oven
  • Dishwasher 
  • HVAC
  • Swimming pool and spa 

What Customers Are Saying

“I've been associated with another warranty service, and they can't compare to AHS. In fact, after 20+years, I made the switch to AHS & I'm glad I did. No more arguments concerning service/repair, no more Technicians misdiagnosis or questioning my integrity. I'm much better off leaving ***.”Source

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of Texas. Overall, areas like Amarilla, Waco, and Abilene tend to be affordable areas of Texas to live in. If you are on a budget and you want to make sure your home stays affordable, then Select Home Warranty is the plan to choose. Select Home Warranty has spent the last nine years on the market, and customers consider it reliable and reasonably priced. 

Pros

  • Impressive customer service
  • Combo plan is one of the best on the market 
  • High workmanship quality 
  • One of the most comprehensive plans on the market 

Cons

  • Some of the covered items have lower policy limits 
  • Not always the best plan for high-end appliances and systems 

Plans and Pricing

The three Select Home Warranty policies for homeowners include the Gold Care, Bronze Care, and the Platinum Care plan. You will quickly notice that the Platinum Care is just a few dollars more per month, yet it is going to cover twice as many items as the Gold or Bronze Care plans. 

  • Gold Care: $41 per month 
  • Bronze Care: $41 per month 
  • Platinum Care: $47 per month 
  • Service Fee: $65 

Coverage: 

The Select Home Warranty policies have air conditioning and ductwork coverage included in their plans. However, the HVAC system is not part of the plan choice. Overall the coverage from Select Home Warranty is good but not as comprehensive as other options on the market. This is partly what helps them to keep the plan so affordable. A few of the most popular coverage options from Select Home Warranty include. . . 

  • Heating systems 
  • Cooktops
  • Ceiling fans
  • Refrigerators 
  • Free Roof Leak Coverage 

What Customers Are Saying

I COULD NOT ASK FOR MORE CONSIDERATION THAN THE PEOPLE I TALKED WITH FROM SELECT HOME WARRANTY. I TOLD THEM MY PROBLEM, AND WITHIN 2 HOURS, THE SERVICEMAN CALLED ME TO SET UP THE TIME TO FIX MY PROBLEM. IT WAS FIXED THE SAME DAY I CALLED” Source

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a highly rated company in the state of Texas. Customer reviews are a great way to tell whether or not a home warranty will be worth the money. For a company that has only been on the market for about two years to the A rating from the BBB is quite impressive. Liberty Home Guard is known for responding to their customers quickly and handling issues the first time they come out to the property. 

Pros

  • BBB rating of an A
  • Quick response times to inquiries and claims 
  • Easy to get in touch with 
  • 60 Day workmanship guarantee
  • Add on coverage list is very extensive 

Cons

  • Optional plan choices tend to be priced a bit high 
  • To get a very comprehensive policy, the price increases considerably 

Plans and Pricing

The three Liberty Home Guard plans include an appliance option, a systems plan, and a Total Home Guard covering both appliances and systems. Having a wide range of options from a home warranty plan helps to take care of unique Texas homes. 

  • Appliance Guard: $40 per month 
  • Systems Guard: $45 per month 
  • Total Home Guard $49.99 per month 
  • Service Fee: $60 

Coverage: 

Liberty Home Guard has coverage caps that range from $500 to $2500. Many of the new policies on the market have lower coverage caps, so this is a definite positive of the Liberty Home Guard plan. Don’t be concerned with a policy that has only been on the market for two years when it has the kind of reviews that Liberty Home Guard has. 

  • Garbage disposal
  • Dryer 
  • Plumbing Systems 
  • Water Heater 
  • HVAC

What Customers Are Saying: 

Woke up at 3 am to realize my power went out. I sent an email to Liberty, and they had a professional electrician at my house first thing, 7 am.” Source

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in Texas. The ServicePlus Home Warranty gets customers the service they need in a very short period of time. This can come in handy for Texas homeowners whether you have a roof leak or your water heater decided it was done working. Having a company that is quick to respond to you is a significant benefit of a home warranty. 

Pros

  • High-quality service technicians
  • Straightforward contracts 
  • Fastest service turnaround times in Texas
  • An extensive network of repair technicians to get you faster service 

Cons

  • Some emergency services will come with an upcharge or higher fee 
  • Not as long of a history in the business 

Plans and Pricing

The ServicePlus home warranty only has two options to choose from, but they are both combo plans. The only problem is that the ServicePlus policies have slightly limited coverage when it comes to things like HVAC units. For Texas homeowners with an HVAC system, it may be best to go with another plan. 

  • Gold Plan: $42 per month 
  • Platinum Plan : $46 per month 
  • Service Fee: $75 

Coverage

Coverage from ServicePlus is about average. For the lower pricing that you get, you can expect that the plan will have average coverage. The most popular coverages under the Texas ServicePlue policy include. 

  • Dishwasher
  • Ductwork 
  • Electrical System 
  • Plumbing System  
  • Refrigerator 

What Customers Are Saying:

Excellent service. Not only prompt but early. Precise workmanship explaining not only the issue but what caused it. Replaced the defective part explaining all work was covered under a 90-day warranty. He projected himself as a professional not only in appearance but in work ethic. Oh, and he didn't make a mess for me to clean up after leaving.” Source

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Texas residents that need extensive coverage. If you are choosing the First Premier Home Warranty, the chances are that you will enjoy the lower pricing and the extensive coverage. There are quite a few covered items on the First Premier Home Warranty. Even though this company is brand new to the market, they aim to give customers the peace of mind they need to enjoy their home. The First Premier Home Warranty has earned an A- rating with the BBB.

Pros

  • BBB rating of A-
  • Modern technology and systems in place
  • Growing and expanding all the time 
  • Low overall costs if you pay upfront 

Cons

  • Only spent a short period of time on the market
  • Not everyone wants to pay upfront for a policy from a new company 

Plans & Pricing 

The great thing about the Texas First Premier Home Warranty is that it is easy to sign up for and decide on your plan options. The only trouble is the lower policy limits of $400-$500. If your heating system or electrical system goes down, you may hit your policy limit. Keep this in mind, especially if you have higher-end systems or appliances. 

  • Premier Plan: $43 per month 
  • Platinum Plan: $50 per month 
  • Service Fee: $75 

Coverage

Coverage for the First Premier Home Warranty is quite good; there are over 15 options on the Premier Plan. One of the things we encourage all Texas homeowners to enquire about is the overall coverage of the home warranty plan for the price. Some offer a better deal than others. Some of the most popular coverage choices from First Premier include . . . 

  • Refrigerators
  • Cooktop 
  • Water heater
  • Washer 
  • Electrical System 

What Customers Are Saying 

“I called on memorial weekend to request service, and First Premier had someone out the very next day. They approved me for a new ac unit in my home. I will definitely be telling my family about you guys.” Source 

7. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship for a Texas home. With a workmanship guarantee of 180 days, you never have to worry about paying for a repair with your Cinch Home Services plan. The Cinch Home Services company has spent the last 40 years helping Texas residents. If you like lots of coverage choices and overall fair monthly pricing. Cinch Home Services is an intelligent choice. 

Pros

  • 40 years in the home warranty business 
  • Long 180-day workmanship guarantee
  • Three moderately priced plans 

Cons

  • Higher service fees make the plan a little more pricey 
  • Some negative customer reviews with certain contractors 

Plans and Pricing

There are three home warranty plans to choose from with Cinch Home Services. The Complete Home Plan seems to be the most popular even though it comes at the highest price. Customers seem to have greater peace of mind with the Cinch Home Services Complete Home Plan in Place. 

  • Appliances plan $44.99 per month 
  • Built-In Systems Plan: $51.99 per month 
  • Complete Home Plan: $61.99 per month 
  • Service Fee: $100-$150

Coverage

Although some companies will limit coverage to lower pricing, Cinch kind of does the opposite. They don’t mind charging a few dollars more to give homeowners complete peace of mind about their homes. 

  • Septic tank
  • Electrical System  
  • Ice Maker
  • Refrigerators
  • Plumbing System  

What Customers Are Saying

I had an amazing experience when needing to get a new water heater. I worked with Lowes Plumbing, who was very professional. I received a new water heater under the Total Protect plan. Kudos to everyone involved.”Source

Compare Texas Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

Home Warranty Coverage in Texas Cities 

What You Should Consider Before Buying A Home Warranty in Texas

When purchasing a home warranty in Texas, it is essential to know what to look for. Many of these policies will seem like they are the same thing and have identical coverage; however, this is not the case. Ensuring that you have a few characteristics to compare will help you choose the best overall Texas home warranty. 

Service Fees

The service fees for a Texas home warranty will range in price from $60 to $150. It’s important to remember that with the warm summers and cooler winters, you will likely end up scheduling quite a few repairs during the course of a year. Therefore a plan with lower service fees could save you quite a bit of money. 

Customer Service  

Customer service is important. You can trust us on this one; when your HVAC system goes down in the summer or your refrigerator breaks with a house full of guests, you will want a fair and immediate response from your home warranty company. Excellent customer service is key to being satisfied with your home warranty policy. 

Coverage Limits

As we reviewed the best Texas home warranties, we tried to fill you in on some of the coverage limits that go along with home warranty plans. Coverage limits range in price from around $500 to $3,000. The higher the coverage limits, the more valuable your policy is. 

Are You A First-Time Buyer? Check Out This Article!

Home Warranty Tips for Texas Residents

Home warranties are going to vary from one state to the next. Not so much in the design of the plan but in how the plan can work for the homeowners of that state. Homeowners in Texas need to be very careful about the home warranty they choose and ensure that it will help them with the climate and seasonality of Texas. 

Remember that a home warranty plan is different from a homeowners insurance plan. If you are thinking about hurricanes, wind storms, and tornadoes, look to your homeowner’s insurance. 

There are three primary climate zones in Texas: continental steppe, mountain, and modified marine. Your choice of a home warranty will depend on the climate you live in, its temperature, and humidity. You can see the average temperatures for Texas prime cities in the graph below:

 

The Gulf Coast area has mild winters and hot summers. That means that when customers are shopping for the best home warranty in Texas, they should make sure that the air conditioning system is covered in the best way possible. Air conditioners tend to break in areas like Texas, in which they work in full throttle for prolonged periods.

Additionally, it is pretty impossible to live without them, even for a few days. Hence you require one of the Texas home warranty companies that offer both comprehensive coverage and prompt and professional response time. For example, American Home Shield provides excellent coverage for air conditioning residential units up to 5-ton capacity. Not many other companies extend their services to that point. 

Not only may it become very hot in Texas, but it is also very humid. As you can see in the graph below, humidity in Austin may reach as high as 90%, and Dallas and San Antonio are not far behind. 

High humidity may interfere with the home appliance’s normal wear and tear, expediting this process. If you don’t have a manufacturer’s warranty on your appliances, we highly recommend you consider purchasing a home warranty that covers as many of them as possible.

Texas is notorious for extreme weather conditions. You should keep in mind that damage to any home system caused by severe weather, such as thunderstorms, tornadoes, or hurricanes, is not covered by any home warranty. For these purposes, you should always have your homeowners insurance up to date, which covers damage by those specific weather conditions that are likely to happen in your area.

Whether you live in Houston, El Paso, Fort Worth, or Corpus Christie, you are going to want to choose a home warranty that helps to keep the systems in your Texas home working during all times of the year. 

Home Warranty Regulations in Texas

The state of Texas requires all home warranty companies to be licensed by the Texas Real Estate Commission. This means that they must submit the information about their scope of business and report on their financial progress. The reason behind this is that home warranty companies are providing a service, repair, or replacement. 

Before you sign up for a home warranty policy, it is entirely acceptable to ask if the home warranty company is licensed with the TREC. Our list of the best home warranties in the state of Texas only includes companies that are fully licensed in Texas. 

Final Thoughts

Hopefully, you now feel as though you can choose the best Texas home warranty policy for your home. Whether you live in Plano, Amarillo, Houston, or Austin, you will have access to these Texas home warranty policies. Take the time to get a few different quotes so that you end up with a plan that works for years to come.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

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 best 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 our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): 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 (10): 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 (5): 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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Frequently Asked Questions in Texas

Below are just some of the frequently asked questions we receive about home warranties in Texas.

Q.

Is a Texas home warranty worth it?

A.
What happens when the homeowner’s insurance doesn’t cover the breakdown of your AC in the middle of a hot and humid Texas summer? Or if your clothes washer breaks down just days before that vacation down in Galveston?/div>
A home warranty can be a good investment to cover you from big payouts when those kinds of appliance and systems breakdowns occur. Coverage for less than replacing a major appliance or repairing a major system is great. And if a few things happen to break down in the same year, the service agreement easily pays for itself.
Q.

What are the best home warranty companies in Texas?

A.
We’ve researched over 65 home warranty companies to figure out which ones are the best for your Texas home, whether you’re living in downtown Amarillo, or on the coast outside Corpus Christi. Here are your top choices:

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Cinch Home Services
  5. Service Plus
Q.

What do home warranties cover?

A.
A home warranty is meant to cover your home’s main appliances and/or systems from breakdown due to everyday wear and tear. It’s meant to cover the things that a homeowner’s insurance policy does not.

Common appliances covered: 

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

Common systems covered:

  • HVAC (heating and air conditioning) 
  • Ductwork
  • Plumbing system 
  • Plumbing stoppages
  • Electrical system
  • Water heater
  • Garbage disposal

Not all home warranties cover all these items, so look carefully at what is covered under the plans you are interested in. 
Q.

What Are The Different Home Warranty Plan Options On The Market?

A.

We all know that a home warranty coverage can give a homeowner peace of mind when they have a plan in place. However, choosing the best plan for your new home or older home can be a difficult decision. When you start looking at plan costs and plan types, things can get confusing.

Most companies will have basic plan options and comprehensive plans. All top home warranty companies will call these coverage options different things. One may have a gold plan, and another calls it a platinum plan. The important things to consider are the covered items and the service fees (or deductible).

From one company to the next, the basic coverage options could look a bit different, and making sure you have your major systems and appliances covered by your plan is essential.

Q.

What Is Add On Coverage?

A.

When doing your research for home warranty companies, you will notice that some will have different appliances or systems covered in their total plan. For some, the garage door opener, ceiling fans, well pump, or swimming pool are going to be extra and not part of the core package.

Take a look at the add-on coverage and how it is going to impact your total bill. Think about how important these systems are to the overall functionality of your home. Can you live for a few days without your sump pump? Do you know how to fix one should it breakdown?

If you start adding on quite a bit of coverage and options, your plan is going to quickly increase in price. Instead, be smart about what matters the most and find a Texas home warranty company that is priced fairly.

Q.

How much does a home warranty cost in Texas?

A.
You’ll want to get a quote for your town and situation, but here are some basic pricing guidelines. Appliance or Systems plans in Texas run from the mid-$30s to mid $40s per month. A Combo Plan that covers both would run from the mid-$40s to around $60 per month. As an annual cost, expect to pay anywhere from the low $400s to the mid $600s. If you have special add-on coverage items, you can pay a bit more than that in some cases.

Combo Plan
Monthly Cost
Annual Cost
 
 
 
Top 5 TX Average
$49
$584

Another cost to figure in is the service call fee. This is the charge for when you call in a claim and a technician comes to your home to assess the damage. These fees range from around $75 to $125. With some home warranty providers, you can get a lower premium with a higher service call fee.
Q.

What If I Like To Complete Home Repairs Myself?

A.

It's certainly understandable to want to try to attempt some of your own home repairs. In the end, you may save a good bit of money on a home warranty if you are able to complete some of your own repairs. However, this does not make it completely safe to give up the home warranty idea.

Although you may be able to install a new light in your refrigerator, can you replace the service panel? Most of the time, a homeowner's knowledge of fixing appliances and systems has a limit. You may save some money by choosing a gold plan as opposed to a platinum plan, yet it is still important to have this extended warranty on your home.  

Q.

How do I choose a good home warranty?

A.
Here are the steps you should take to choose a good home warranty in Texas:

  1. Find out who offers what. Make sure the home warranty company operates in Texas. Then dig into the specifics of what they offer. Do they cover the systems and appliances most important to you?
  2. Get several quotes. Once you’ve narrowed it down to the top 3 or 4, find out what they will charge for the coverage you want. What will the premium per month be? What do they charge for the service call? Weigh the cost and coverage in your top picks. 
  3. Do your due diligence before you sign. Whichever home warranty company you choose, read the service agreement carefully before you sign. Make sure the coverage and terms, like coverage limits and exclusions, are acceptable.