Texas is a massive state with plenty of options for homeowners. Whether you want to live in a coastal city like Galveston, out in the country, or in a metropolitan area like Houston or Dallas, the Lone Star State has a place for you. However, homeownership in Texas has its own unique set of challenges, primarily from the heat and humidity. Fortunately, a home warranty can help protect your home appliances and systems, especially with HVAC problems that are bound to arise. Choosing the best home warranty company for your Texas home can take a bit of time and patience. Keep reading to learn more about the top picks.

In this guide, we will cover . . . 

  • What is a home warranty in TX?
  • 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 2022 
  • And much more!
Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

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 in the summer and a snowstorm in the winter. With these wide ranges in temperatures and weather conditions, it pays to have your systems and appliances in good working order. However, when these start to break, homeownership gets expensive and stressful. 

If you are interested a home warranty but you’re not sure where to start, we have you covered. We’ve done the research and 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 98.5
  • $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 98.0
  • 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 97.6
  • $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 The Home Service Club
Editorial Rating 97.2
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Limited coverage
  • 1 day to submit a claim
  • Limited plan selection
  • Fewer contractors available
  # 5 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.7
  • 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

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

Home Service Club

Site

Best For Quick Coverage

$50-$63

$65-$125

NA

Liberty Home Guard

Site

Best Customer Service

$40 - $60

$60

A

Cinch Home Services

Site

Best Add On Coverage

$28 - $40

$100 - $150

A-

First Premier Home Warranty

Site

Best Coverage

$45

$75

B-

Texas Home Warranty Costs

One of the most important factors in determining whether or not a home warranty in Texas will be a fit for your needs is the cost of the plan. There are monthly costs, service fees, and coverage caps that all need to be considered when purchasing a Texas home warranty. Texas home warranties will vary in price depending on the type of home you have and the coverage options you choose. At Review Home Warranties, we felt as though it would be important for Texas homeowners to have an understanding of the average costs of a home warranty plan. We have done in-depth research into all plans available in Texas to give you averages across several different home types. 

Type

Average Annual Premium

Overall

$806.14

Single Family Home

$622.06

Multi-Family

$1,173.13

Townhome

$537.59

Condo

$582.03

Home Over 5,000 sq. ft.

$1,256.76

Home Under 5,000 sq. ft.

$698.24

Texas Home Warranty Companies Reviews

At Review Home Warranties we reviewed more than 60 of the top 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 Texas. Choice Home Warranty's service contract is one of the simplest on the market and the best option for Texas homeowners. 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. With nearly 13 years of experience, Choice has established a large network of service professional across the U.S., guaranteed to get your home's broken-down systems or appliances working ASAP. Its gained a reputation of having great customer service, easy and simple claimed processes, and fair pricing.

Pros

Cons

Comprehensive plan options

No option to build out a custom plan 

Simple contract

 

Fair pricing for monthly and service fees 

 

Free Cancellation for the first 30 days 

 

Plans, Pricing, and Coverage 

There are two Choice Home Warranty policies for homeowners to choose between: The Basic Plan and the Total Plan. Choice Home Warranty is unique in that both of the plans offered are combo plans, meaning each cover a selection of appliances and systems. For more in-depth coverage, the Total Plan is the best choice because it covers the 14 items in the Basic Plan plus four more items. Although the service fee may seem high at first glance at $85, when combined with the lower monthly premiums the overall cost is great. For less than $55 per month, it's hard to beat CHW. 

Here's a more detailed look at CHW's plan options:

  • Basic Plan ($42 per month): The Basic Plan covers 13 items including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet and water heater.
  • Total Plan ($53.33 per month): This comprehensive plan covers all 13 items in the basic plan plus four more to cover a total of 18 items. This plan includes coverage on clothes washer, clothes dryer, refrigerator, and air conditioner. The coverage limits reach upwards of $3,000 on items that are essential to TX homes, such as air conditioning.
  • Optional add-ons: Choice offers nine optional coverages including roof leaking, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. 

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying: 

“The technician was very friendly and professional and didn't give us any problems to fix the dryer. He ordered the part and we are still waiting for that but it seems that everything is going as planned and using choice has been a very pleasant experience!" - Adelle C.

Read our full Choice Home Warranty Review for more information.

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Texas homeowners.  With American Home Shield, you can build out a plan to work specifically to your needs as a homeowner. AHS has over 50 years of experience in the home warranty industry marking it one of the top-rated and most trusted companies on the market. With three plans to choose from, AHS's policies are comprehensive and affordable for Texas homeowners. The customization factor allows customers to chose from a 75, $100 or $125 service fee, which will then determine your monthly payment. A higher service fee will result in a lower monthly payment and vice versa.

Pros

Cons

More than 50 years of industry experience 

Considered to be a more premium home warranty policy

Can build out your custom plan and customize pricing

Some of the policy choices are priced a bit higher 

Impressive customer service 

 

Plenty of add on coverage choices 

 

Plans, Pricing, and Coverage 

Even though American Home Shield 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; ShieldSilver™, ShieldGold™, and ShieldPlatinum™. ShieldSilver is a home systems plan, ShieldGold is a combo plan, and ShieldPlatinum is a more comprehensive combo plan. American Home Shield allows customers to choose their service fee. By choosing the higher fee, you can get the most comprehensive plan for just under $60 per month. This is the most popular plan with Texas homeowners because of the amount of coverage. With the $75 service fee, that same plan will be upwards of $75 per month. When it comes to the pricing of Texas warranties, AHS stands out towards the top, yet still affordable. 

Take a closer look at AHS's protection plan options (note: these prices are based on a $100 service fee):

  • ShieldSilver™ ($34.27 per month): This plan offers coverage on 17 home systems including  air conditioning, electrical system, smoke alarms water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. Most systems under this plan come with coverage caps upwards of $1,500.
  • ShieldGold™ ($44.27 per month): This plan covers 23 systems and appliances including many offered on the ShieldSilver plan plus clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. Many of the appliances covered have higher annual coverage caps of $3,000 per appliance with a limit of $1,500 on systems. 
  • ShieldPlatinum™ ($64.27 per month): This plan covers a total of 27 systems and appliances, including the 23 items covered in ShieldGold plus disposal, water dispenser, locksmith, and free roof leak coverage. Also included in his plan is free HVAC tune-ups, much higher coverage limits, and $1,000 voucher for code-required changes, modifications, and permits.
  • Optional add-ons: There are six additional coverages offered by AHS including septic system, pool and spa, PC, TV, and well pump coverage.

Plans

Cost Per Month

Service Fee

ShieldSilver

$29.27-44.27

$75 - $125

ShieldGold

$39.27-54.27

$75 - $125

ShieldPlatinum

$59.27-74.27

$75 - $125

What Customers Are Saying

"Love it! After four years during the winter I've had several HVAC companies out to fix my heat. Before I signed up for AHS all they would ever do is clean the Flame Sensor 2-3 times a year every winter and all they said was "everything looks good". I've replaced the flame sensor, the igniter switch, the fuses, even the circuit board and one other thing I don't remember all out of pocket. After getting AHS they sent a company out a company that was so professional and after talking a bit he checked the furnace submitted a request for the Gas Regulator and SHS approved the ordering and repair. And hallelujah! FINALLY after all this time on my own, AHS fixed the furnace! My furnace works like the day I bought it! Thank you so much." - David B.

Find out more information at our American Home Shield Review.

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty company in Texas. Overall, areas like Amarillo, 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. With monthly prices under $65 per month and a lower-than-average service fee, you cannot beat Select's policies. Select Home Warranty has been in operation for nine years, and customers consider it reliable and reasonably priced. Select also offers two months of free coverage for new policyholders, as well as free roof leak coverage. 

Pros 

Cons

Impressive customer service

Some of the covered items have lower policy limits

Combo plan is one of the best on the market

Not always the best plan for high-end appliances and systems

High workmanship quality 

 

One of the most comprehensive plans on the market 

 

Plans, Pricing, and Coverage 

The three Select Home Warranty policies for homeowners include the Gold Care plan which covers appliances, Bronze Care plan which covers systems, and the comprehensive combo Platinum Care plan. You will quickly notice that Platinum Care is just $5 dollars more per month, yet it is going to cover twice as many items as the Gold or Bronze Care plans, making it the ideal policy for Texas homeowners.  Select Home Warranty also has one of the lowest service call fees in the industry at just $60, making it the ideal provider for homeowners on a budget. 

Take a detailed look at Select Home Warranty's plan options:

  • Bronze Care ($57.67 per month): This plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. This plan costs the same as the Gold Care plan but doesn't include systems coverage.
  • Gold Care ($57.67 per month): This plan offers coverage on six major systems including plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. This plan is offered at the same price as the Bronze care plan, but excludes appliance coverage.
  • Platinum Care ($68.08 per month): This plan offers complete protection and covers all systems and appliances in the Bronze Care and Gold Care plans. It has higher coverage limits on important items such as $2,000 on air conditioner, heating, and hot water heater, and comes with free roof leak coverage.
  • Optional Add-Ons: There are several optional add-ons including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. 

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$60

Bronze Care

$60.42

$60

Platinum Care

$65.83

$60

What Customers Are Saying

“This most recent claim was outstanding in terms of response, service, followup, etc. They totally replaced the insides of my toilets because they were running constantly. I had first made this claim a year ago (11/18/18) and the plumber they sent (********* ********) was great (or so I thought). He replaced the insides and all was good. Now a year later the parts the previous plumber used were falling apart in the tank. So I called again with a claim. Big difference in the parts used this time. Hopefully the previous plumber is not used again. SHW was outstanding this time. Hopefully going forward it stays the same." - Jorja W.

Find out more information at our Select Home Warranty Review.

4. Best For Quick Coverage: Home Service Club 

The Home Service Club is the best Texas home warranty for quick coverage. With The Home Service Club, homeowners can access incredibly fast coverage for their Texas home. If you are worried about waiting the 30 days that it typically takes a home warranty to start, The Home Service Club is for you. With no required home inspection and only a 10-day waiting period, you can have your HSC plan in full swing in no time. The plan has two options for Texas homeowners: a Standard Coverage Plan and a Comprehensive Coverage plan, each with combo coverage on major appliances and systems.

Pros

Cons

No inspection is needed before the plan starts 

Can be a high service fee

The plan starts after 10 days 

Not accredited by the BBB 

Extensive coverage options even in the basic plan 

 

Plans, Pricing, and Coverage

 The Home Service Club offers two home warranties for Texas homeowners. Each of these plans has a mix of both system and appliance coverage. One of the things that helps the Comprehensive Coverage plan stand out is the access to unique coverage benefits like pest control, doorbells, and more, and it's only around $63 per month. Most home warranty companies consider these add-on coverages, but The Home Service Club ensures they are just part of the standard plan. HSC also allows you to choose your service call fee of $60, $75 or $95. 

Take a more detailed look at The Home Service Club's home warranty plans:

  • Standard Coverage ($50 per month): This plan covers both systems and appliances in your home. You will have coverage including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. 
  • Comprehensive Coverage ($63 per month): This plan covers all of the items on the Standard Plan and gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. 
  • Optional add-ons: The Home Service Club offers 12 additional or add-on coverages as part of their home warranty plan. These include things like a well pump, service line, plumbing sprinkler, spa and spa heater, freestanding freezer, water softener, and more.  

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying:

It is nice to find a company that is very trustworthy and committed to excellence! We have had this house for close to seven years and have renewed the warranty each year. Over this period, Home Service Club has sent reliable contractors each time we filed a claim. Great value for money. 5 stars! - Marilynn S.

Read our HSC review to learn more.

5. Best Reviewed: Liberty Home Guard 

Liberty Home Guard is an excellent choice for those looking for a highly rated company in Texas. For a company that has only been on the market for about two years, maintaining an 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 the technician comes out to the property, proving that it is one of the most trustworthy home warranty companies. Liberty offers three plan options and an impressive 20 add-on items to Texas homeowners so you can make sure your home is well taken care of.

Pros

Cons

BBB rating of an A

Optional plan choices tend to be priced a bit high

Quick response times to inquiries and claims

To get a very comprehensive policy, the price increases considerably 

Easy to get in touch with

 

60 Day workmanship guarantee

 

Add on coverage list is very extensive 

 

Plans, Pricing, and Coverage 

The three Liberty Home Guard plans include the following: Appliance Guard for appliances, Systems Guard for systems, and Total Home Guard covering both appliances and systems. Having a wide range of options from a home warranty company helps to take care of unique Texas homes. Although the monthly premiums for Liberty Home Guard may be high at upwards of $80 per month, the level of coverage that is included in unbeatable and the service fee is affordable at $75 per service call. Liberty Home Guard also offers one of the both extensive lists of add-ons of over 20 items. Some popular ones include wine refrigerator, pest control, saltwater pool, water softener, and central vacuum.

Here are more details on Liberty Home Guard's plans:

  • Appliance Guard ($69.99 per month): This plan covers 11 major appliances including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. 
  • Systems Guard ($74.99 per month): This plan offers coverage on nine systems, including electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. 
  • Total Home Guard ($79.99 per month): This plan covers all of the systems and appliances of the two other plans to cover a total of 20 items. Most items systems and appliances have a $1,600 coverage limit, but air conditioning units and heating systems have a higher cap of $2,500. 
  • Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons for $29.99 to $299.99, including some unique ones such as gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. 

Plans

Cost Per Month

Service Fee

Systems Guard

$49.99

$75

Appliance Guard

$44.99

$75

Total Home Guard

$54.99

$75

What Customers Are Saying: 

“I compared quotes for many home warranty companies. While many home warranties are similar in coverage and pricing, Ben at Liberty Home Guard provided an outstanding customer service experience. He responded quickly to my questions, whether by email or phone, and provided detailed answers to be sure I clearly understood the warranty terms and limitations. He was never pushy or spoke poorly of other companies. Much to my dismay, reps from some of the other companies were not nearly as pleasant or knowledgeable. Working with Ben was a breath of fresh air. Thank you!" - Laura M.

Read more at our Liberty Home Guard Review.

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 First Premier Home Warranty, the chances are that you will enjoy the lower pricing and the excellent appliance coverage. You can save money on First Premier plans by paying upfront for the year rather than monthly payments. Even though this company is brand new to the market, it aims to give customers the peace of mind they need to enjoy their home and has already earned an A- rating with the BBB. If you're looking for affordable plans with comprehensive coverage, First Premier is the company for you.

Pros

Cons

BBB rating of A-

Only spent a short period of time on the market

Modern technology and systems in place

Not everyone wants to pay upfront for a policy from a new company 

Growing and expanding all the time

 

Low overall costs if you pay upfront 

 

Plans, Pricing, and Coverage 

The great thing about 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 plumbing or electrical system goes down, you may hit your policy limit. Air conditioning and heating system limits are a bit higher at $1,500. Keep this in mind, especially if you have higher-end systems or appliances. However, First Premier offers monthly premiums on the lower side of the market and its service fee is average, making it a find choice for a home warranty provider in Texas. First Premier also offers a great selection of add-on options from pool and spa, to roof leaks and ice makers. 

Take a deeper look at First Premier plans:

  • Gold Plan ($43 per month): This plan covers 14 appliances and systems including ceiling fans, garage door opener, cooktop exhaust, oven, dishwasher, microwave, garbage disposal, ductwork, sump pump, electrical system, plumbing system and stoppages, trash compactor, and water heater. This plan is only $33.25 per month if you pay annually, which will be $399.
  • Platinum Plan ($50 per month): This plan covers all 14 items in the Gold Plan plus five more items: air conditioning, heating system, washer, dryer, and refrigerator. This plan will only cost $37.42 per month if you pay the annual pricing of $449. Many of the items have no coverage caps, a $500 limit, or a higher limit of $1,500 for air conditioning and heating. 
  • Optional add-ons: There are a few optional add-ons including free-standing ice maker, well pump, central vacuum, septic tank pumping, stand-alone freezer, refrigerator ice maker, water softener, lawn sprinkler, septic, roof leaks, spa and pool coverage.

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying

“Provided me with real profitable work, client that they linked me with was easy going and willing to work out a price where we both benefited from the project, will use them to find work again." - Kelvin H.

For more information read our First Premier Home Warranty Review.

7. Best Workmanship: Cinch Home Services 

Cinch Home Services offers the best workmanship guarantee of all Texas home warranties. With a workmanship guarantee of 180 days, you never have to worry about re-paying for a repair that was already done or worrying about the fix working. Cinch goes above and beyond for its customers considering the industry standard is only a 30-day guarantee. Cinch Home Services has spent the last 40 years helping Texas residents keep their appliances and systems in good condition through broad policy plans with great coverage. Cinch Home Services is an ideal choice for those looking to have a lot of items covered for an affordable cost.

Pros

Cons

40 years in the home warranty business

Higher service fees make the plan a little more pricey  

Long 180-day workmanship guarantee

Some negative customer reviews with certain contractors

Three moderately priced plans

 

 Plans, Pricing, and Coverage

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 because it has the most coverage. But, with a $150 service fee, the Complete Home Plan could run for as low as $49.99 per month. Similar to American Home Shield, Cinch allows its customers to choose their service fee of $75, $100 or $150. A lower service means a higher monthly premium and vice versa. Cinch offers a couple of add-ons: pools, septic systems, and well pump coverage. Customers seem to have greater peace of mind with the Cinch Home Services Complete Home Plan in Place. 

Take a closer look at Cinch Home Services plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): This plan offers coverage on 11 major appliances including microwave, cooktop exhaust fan, dishwasher, refrigerator ice-maker, trash compactor, clothes dryer, food center, free-standing ice maker, oven, refrigerator, and clothes washer. 
  • Built-In Systems Plan ($51.99 per month): This plan covers a total of 21 systems including air conditioner, smoke alarms, central vacuum, heating system, garage door opener, attic fans, septic tank pumping, bath exhaust fans, cooktop fans, water dispenser, water heater, toilet, garbage disposal, doorbells, ductwork, electrical system,  plumbing and plumbing stoppages, spa, sump pump, and whole house fan. 
  • Complete Home Plan ($61.99 per month): This plan covers all items in the other plans, meaning it includes coverage on 32 major home appliances and systems. Many of the systems and appliances have annual coverage limits of $1,000-$2,000. This plan also comes with a homeowners insurance reimbursement of $500 per contract term.
  • Optional add-ons: There are three optional coverages including septic systems, pool, and well pump. Cinch Home Services also has the the Premier Upgrade Package, which includes $1,000 for any unforeseen costs that may occur during a claim. 

Plans

Cost Per Month

Service Fee

Appliances Plan

$34.99-$50.99

$75- $150

Built-In Systems Plan

$39.99-$57.99

$75- $150

Complete Home Plan

$49.99-$67.99

$75- $150

What Customers Are Saying

“What a wonderful experience it was for me while speaking with Sharon with Cinch. She was so patient and professional with me as it relates to explaining the different plans of coverage for my home. Thank you Sharon!" - Henry T.

Read our Cinch Home Services Review for more information.

Home Warranty Coverage in Texas Cities 

What is a Home Warranty?

A home warranty is service contract between you and a home warranty provider that covers the breakdowns, repairs, and replacements of the home's appliances and systems. It is different from homeowners insurance in that is only covers normal wear-and-tear damages on the specific covered items, whereas homeowners insurance covers damages caused by natural disasters such as floods, hurricanes, fires, etc.

The process of how a home warranty works is quite simple. You will file a claim with your provider when one of the covered items has a breakdown. The company will then send a professional and licensed technician to your home to assess the problem and provide the best course of action. Rather than paying the hundreds to thousands of dollars for the item to be fixed, you will only pay the service fee that's outlined in your service contract. This can save you hundreds if an expensive system such as your electrical or plumbing goes out and needs replacement. You will also pay a monthly premium to maintain the contract.

Home warranties can offer you peace of mind that you won't pull from your savings to replace or repair a system or appliance in your home. There are hundreds of protection plans offered by over 80 providers in the US, and the perfect home warranty company for you may depend on your home size, location, and what specific items you want covered. 

How to Find the Best Home Warranty in Texas

When purchasing a policy from one of the best home warranty companies 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 for help. However, if you're looking for appliance or systems coverage, home warranties in Texas have got you covered.

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 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
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

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 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 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.

Resources for Texas Homeowners and Home Buyers

  • HUD Texas Homeownership Assistance:  HUD Helps families of all income levels with issues that can come up during home buying or homeownership. Texas homeowners that consider themselves to be low income will find a tremendous amount of resources available to them through the HUD Texas Homeownership Assistance program. 
  • Texas Department of Housing and Community Affairs:  If you struggle to stay in your home because it has become unaffordable, the Texas Department of Housing and Community Affairs can be beneficial. During the Covid 19 Pandemic, the TDHCA expanded its offerings to help a greater network of people. 
  • Texas Department of Rural Development:  The Texas Department of Rural Development will help Texas homeowners enjoy the rural property. If your home is far from some major cities, or you have a farm, there could be financing options designed to be more specific to your individual needs. 
  • Texas State Affordable Housing Corporation: Affordable housing is an issue in every state; however, the state of Texas has adopted a Texas State Affordable Housing Corporation to help with mortgage payments, down payment assistance and more.   
  • California Weatherization Organization: California Weatherization Organization is a federally funded program that helps homeowners to get their homes prepared for any climate or weather-related issues. In addition, the California Weatherization Organization can also help to make a home more energy-efficient. 

Recap of Our Top Picks In Texas

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $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 98.00
  • 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 97.60
  • $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 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • 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
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

Nearby States

All states
Home warranty Arkansas 33 companies available
Arkansas Home Warranty
Home warranty Louisiana 33 companies available
Louisiana Home Warranty
Home warranty Oklahoma 30 companies available
Oklahoma Home Warranty

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 in Texas 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 in Texas 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.