A home warranty is easy to find in Texas, considering how most providers accept TX residents. Finding the best home warranties in Texas for your needs is not as easy, though! Which companies are available? What separates them? Which plans do they offer? These are all questions that will be addressed on our Texas home warranty comparison. Review our comprehensive research and analysis and learn how to discover the top 10 trusted and reputable home warranty companies in Texas to match your needs.
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.
The Texas real estate market is booming - homeowners look for protection
According to Census Bureau, homeownership in Texas grows at a rapid pace. In 2017, there were 264 000 new privately-owned houses sold, which is 23.1% more than in 2016. Between 2017 and 2018, the average price for a property in Texas grew by more than 6% to $188,000, and some specific cities like Austin have grown by as much as 9% in this period (Austin's average cost of a single-family home is $355,000). Homes in Texas are sold fast, and there are many people eager to ride the trend, whether investors, newcomers from neighboring states or existing Texas residents looking to update.
Are you one of those happy new homeowners? Then you might be interested to know that the median monthly owner's cost in Texas is $460 without a mortgage. That includes repairs of home systems and appliances. Do you know what can help you bear that cost? A good home warranty.
Home warranty programs in Texas provide coverage for both city and country residents, from the largest and the most populous cities in Texas—Houston, San Antonio, Dallas, Austin, and the capital of the state, El Paso—to the smallest villages and ranchos.
Top 5 Best Home Warranty Companies In Texas
Seventy-five percent of the Texas population lives in the Texas Urban Triangle between Dallas, San Antonio, and Houston. Most home warranty plans in Texas offered by different companies cover this area, and the residents have a wide variety of options when thinking about protecting their home systems and appliances.
In contrast to the cities, Texas has many rural settlements, or colonies, that sometimes lack infrastructure but may still be covered by a top home warranty service provider. The most popular home warranty providers in Texas are First American Home Warranty and 2-10 Home Warranty. Both of these companies are highly rated by Review Home Warranties, the leading editorial home warranty review and comparison site in the USA. Be sure to view our overall top-ranked coverage plans here.
Important Tips on Buying a Home Warranty in Texas
- Should I rush into buying a home warranty? One of the oldest tricks in the salesperson's book is to make the customer believe he is in dire need of a product that has to be purchased on the spot, but it is rarely the case. You have to understand that home warranty companies in Texas, or anywhere else, are not going to fix items with pre-existing conditions. That means that whether you make a home warranty today 10 months down the line, your broken washing machine will not be replaced! Additionally to the above, there is a 30 day waiting period with most home warranty programs and plans in Texas. That means that you would have to wait 30 days between signing a contract and until your policy is activated. Some home warranty companies offer a pre-existing condition evaluation; other companies would sell you a plan without any evaluations.
- What are the warning signs that my TX home warranty provider may be unrecommended? The worst trait adopted by many shady home warranty companies is tricky Terms and Conditions. If you are unable to understand exactly what your coverage includes, how fast should your Texas home warranty company attend to your complaint, or what are the actual replacement coverage limits on items that are not fixable, you should consider using a different company.
Top 7 Best Home Warranty Companies In Texas
|Texas Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|First American Home Warranty||From $28 to $42.50||From $75-$100|
|Amazon Home Warranty||From $42 to $52||$75 flat rate|
|Cinch Home Services||From $34.99 to $49.99||From $100-$150|
- What are the home warranty regulations in Texas? All home warranty companies in Texas must be licensed by Texas Real Estate Commission (TREC) in order to offer residential service contracts to the state residents for any service related to a repair or replacement of an appliance or a home system. So, before you sign a home warranty contract, ask the customer representative if their company holds such a license. All companies reviewed on our site are fully licensed to work in a respective state.
- What should you take into consideration when buying a home warranty, specifically in Texas? First of all, you should be aware that the climate might have a negative effect on your home system’s wear and tear. As Texas is located in several climate zones, different parts of this state may vary significantly. In winter, the average temperatures range from 50F in Amarillo to 70F in Brownsville. In summer, the average temperatures go as high as 100F in Laredo. Hence, it depends on where in Texas you reside and which specific items you are looking to cover, but the extreme weather conditions in Texas do make a big difference. Read the impact of weather conditions in Texas on appliances and home systems below:
Texas weather conditions analysis and impact on household items
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. These units tend to break in areas like Texas, in which they work in full throttle for prolonged periods of time.
Additionally, it is quite 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, America’s 1st Choice Home Club provides great coverage for air conditioning residential units up to 5-ton capacity. The company even pays up to $25 per pound of refrigerant. Not many other companies extend their services to that point. An example for a company that could be problematic in that sense is American Home Shield, as 20% of its complaints are about delayed service, which could be very problematic when it comes to a replacement of an A/C unit in 80f degrees.
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 to 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.
Best Home Warranty In Texas?
Choice Home Warranty stands out in the home insurance market as the #1 pick in Texas. Choice Home Warranty is a must-have if you value quality coverage, comprehensive plans offerings and customer service availability 24/7.
Not only it may 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 to 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.
Read Our Blog - Air Conditioner Care
As you may already know, good maintenance prolongs the life of your electric appliances and may save you thousands of dollars on repairs and replacements. This is especially true for the air conditioner, one of the most expensive appliances in your house. Do you call the maintenance company regularly and replace the filters every month? Use our blog to find out useful tips and share your experience!
Home Warranty Plans for Appliances
There are several home warranty programs in Texas that offer good coverage for home appliances. As an example, the Select Home Warranty program provides one of the best and most reasonably priced appliance coverage plans available in the industry. It is called the Bronze Care Plan and includes a washer and dryer, refrigerator, stove or oven, built-in microwave, dishwasher, and garbage disposal, and it will cost you less than $40/m.
Many home warranty companies offer optional coverage for those appliances and systems that are not covered by the pre-packaged plans. This option will allow you to select the best coverage for your homes. Landmark Home Warranty offers an extensive list of additional items and services. These include not only appliances in the main house but also the guesthouse, as well as coverage for roof leaks and exterior pipe leaks. When it comes to appliance plans, it is always good to compare Texas home warranty plans carefully! Two home warranty plans offered by two different companies could have a completely different level of coverage.
Home Warranty Plans for Systems
In case you have recently updated your appliances, you might not need an appliance home warranty plan. Usually, all new appliances are covered under a manufacturer's warranty, which cannot be combined with a home warranty.
For those homeowners who want to purchase coverage for their home systems only, companies like Landmark Home Warranty offer Systems Plans. These plans protect such home systems as air conditioning and heating, plumbing, electrical systems, and sometimes include a water heater.
Combined Home Warranty Plans
Those homeowners who have already tried basic coverage plans and liked all the benefits usually prefer to switch to more comprehensive coverage. For this purpose, many home warranty companies offer Combo plans that include coverage for all major home systems and appliances. Some companies include additional items in the Combo plan. 2-10 Home Buyers Warranty, for example, not only combines coverage of the systems and appliances plans but also adds items that are not included in either of them, such as a built-in vacuum cleaner and a doorbell.
Final Words About Home Warranty Companies in Texas
The best home warranty companies in Texas, such as the ones mentioned above, make sure that you won’t have to pay any large bills for repair or replacement of any major home appliances, such as refrigerator, oven, or dishwasher, or any malfunctions in the home systems, such as plumbing or heating. One of the main benefits of signing up for a home warranty plan is that you don’t have to search the market for available contractors and don’t have to wait until they have time for you. The home warranty company will accept your service request and will send certified and insured specialists to your house within hours of your call.
With that being said, only a portion of the dozens of companies offering their services in the TX area is, in fact, "top 10 home warranty companies in Texas". Reviewing various aspects of such a plan and conducting a thorough comparison to alternatives is vital in order to find a company that will meet your requirements. Do not settle for anything but a perfect fit with a reputable firm that you can trust!
Best Home Warranties in Texas Reviewed
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Amazon Home Warranty Review
Why Do We Like Amazon Home Warranty?
The Amazon Home Warranty is one of the best options for homeowners. The Amazon Home Warranty has only been around for a little more than ten years. However, in that time, they have been able to put together some great coverage options across 46 states. At Amazon Home Warranty, you will get more of that small company feel that many of us look for in great companies today.
When you look at all of the companies out there, you will find that some stand out from the crowd. From the website to the customer service, to the plan versatility, Amazon Home Warranty has everything a homeowner could want. They have created relationships with over 50,000 contractors around the country. With a base like this, you can get your issues fixed quickly and without spending more of your time and money.
The most refreshing thing about this company is how simplistic its plans are. When you want to find out what the Amazon Home Warranty will cover and what they won’t, you can easily do so on their website. You won’t have to worry so much about fine print and exclusions with Amazon Home Warranty. Since this is a more modern and streamlined younger business, it's very easy to stay on track with what they are offering and how they can help you.
In addition to the essential appliance and system plans, Amazon Home Warranty offers a combo plan option and add-on coverage for those homeowners with specific needs. When it comes to policy limits and exclusions, the Amazon Home Warranty will be very similar to other options on the market.
Policy On Pre-Existing Issues or Older Units?
Like other home warranty companies, Amazon will cover issues due to wear and tear on older models; however, they will not cover problems that have already occurred to your appliances or systems. There is a 30 day waiting period when you first sign up for new coverage that you will have to abide by before your plan truly starts. If your refrigerator is currently broken, you will need to fix it before Amazon Home Warranty covers it. For a newly purchased home, Amazon Home Warranty is going to want to see an inspection report before they are able to fix or cover an issue in your home.
- Younger, more modern company
- Wide coverage
- Add on options
- Over 50,000 certified contractors Nationwide
- Easy to work with a smaller team of customer service agents
- Lost their BBB accreditation and are in the process of getting it back
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem