Best Home Warranty Companies in Texas (2023 Review)

Top 7 Best Home Warranty Companies in Texas

• Choice Home Warranty: Best Overall
• Liberty Home Guard: Best Customer Service
• American Home Shield: Most Customizable
• Select Home Warranty: Most Affordable 
• Cinch Home Services: Best Add-On Options
• First American Home Warranty: Best Appliance Coverage
• The Home Service Club: Best For Quick Coverage

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

For most Texas homeowners, Choice Home Warranty offers the best overall warranty plan. While most entry-level home warranties cover only your appliances, or only your systems, Choice Home Warranty’s basic offerings protect both. Over 13 years of business, Choice Home Warranty has also built a strong reputation nationwide. The company also has lightning-fast response times, promising to dispatch your job to a technician within only 4 hours.

Plans, Pricing, and Coverage 

Choice Home Warranty offers two simple plans, Basic and Total. The Basic Plan ($45 per month) covers 14 different items, including most of your home’s major appliances and systems like heating, electrical and plumbing. However, the Basic Plan omits coverage for your home’s air conditioning, refrigerator, and washer and dryer. For Texans, it’s likely not an option to leave out air conditioning coverage.

For most Texas homeowners, the Total Plan is the best bet. This plan adds in coverage for the four items left out in Basic, and costs only about $8 to $10 more per month.

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

1. Basic Plan: 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.
2. Total Plan: 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.
3. 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. 

Read our full Choice Home Warranty Review for more information.

2. Best Reviewed: Liberty Home Guard 

It’s more than just a pain when you have a pile of laundry and your dryer starts acting up. It can bring your household to a standstill. When this happens, you want to know there’s someone you can reach quickly to get you back on track. That’s where Liberty Home Guard excels. 

The company offers the best customer service of any home warranty in Texas, in our opinion. Liberty Home Guard has built a solid reputation over just five years in business and an A rating from the Better Business Bureau, demonstrating that Liberty knows how to help homeowners.

Plans, Pricing, and Coverage 

Liberty Home Guard has three main options for Texas homeowners to choose from: Appliance Guard, Systems Guard, and Total Home Guard. As their names suggest, the first two cover only appliances or only systems. The third plan is comprehensive.

All plans are on the pricey side. Appliance Guard costs roughly $45 per month, offering coverage for 11 of your home’s major appliances. Systems Guard is slightly more expensive, at $50 a month, and covers nine of your home’s systems. Both adequately cover those items, without omitting anything major. 

However, the comprehensive Total Home Guard tends to be the best value at just under $54 a month, combining the Appliance Guard and Systems Guard features into one plan.

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

1. Appliance Guard: 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. 
2. Systems Guard: 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. 
3. Total Home Guard: 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. 
4. Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons for $39.99 to $249.99, including some unique ones such as gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. 

Read more at our Liberty Home Guard Review.

3. Most Customizable: American Home Shield 

With plenty of plans to choose from and add-ons to consider, American Home Shield is the most customizable home warranty in Texas. The company has more than five decades of experience, plus generously high coverage caps to help you feel comfortable that your warranty will pay to fix or replace what’s broken.

Plans, Pricing, and Coverage 

American Home Shield offers three significantly different plans for Texas customers. The cheapest is ShieldSilver ($35 per month), which covers only your home’s systems. Crucially for Texans, this includes your air conditioning.

ShieldGold ($55) is a comprehensive plan that covers 23 different systems and appliances. In most cases, this is the best one to pick. If you have expensive appliances or want a bit more custom service, though, you can go with ShieldPlatinum ($85) and double your coverage cap on appliances to $6,000, plus add coverage for roof leaks and code violations.

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

1. ShieldSilver™: 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.
2. ShieldGold™: 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. 
3. ShieldPlatinum™: 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.
4. Optional add-ons: There are six additional coverages offered by AHS including septic system, pool and spa, PC, TV, and well pump coverage.

Find out more information at our American Home Shield Review.

4. Most Affordable: Select Home Warranty 

The most affordable home warranty for Texas homeowners is typically from Select Home Warranty. If you are on a budget or a new homeowner, add Select to your list. The company’s most comprehensive plan is cheaper than most competitors’ basic, entry-level plan. Another big benefit: Roof leak coverage is entirely free. 

Plans, Pricing, and Coverage 

Select Home Warranty has three plans in Texas: an appliance plan, a systems plan, and a comprehensive plan. For most Texans, the Platinum Care comprehensive plan is the best fit. It comes in at about $48 per month after discounts, while covering most important items in your home.

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

1. Bronze Care: 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.
2. Gold Care: 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.
3. Platinum Care: 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.
4. 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. 

Find out more information at our Select Home Warranty Review.

5. Best Workmanship: Cinch Home Services 

Cinch Home Services has been in the business for more than 40 years, and they are incredibly transparent about their home warranty pricing. Texas homeowners will find that these are some of the lowest-priced plans on the market, and they come with a long 180-day workmanship guarantee. If your primary concern is that your service technician won’t get the job done right, Cinch can help ease that worry.

 Plans, Pricing, and Coverage

There are three plans from Cinch Home Services. Cinch likes to be really upfront about their plan specifics and pricing. The Appliance plan starts as low as $30 a month, while the Built-In Systems plan is $35 and the Complete Home plan is around $40 a month. While monthly payments are lower, your service fees – Cinch calls them deductibles – are significantly higher than most other companies at $100 to $150.

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

1. Appliances Plan: 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. 
2. Built-In Systems Plan: This plan covers a total of 21 systems including air conditioner, smoke alarms, central vacuum, heating systems, garage door openers, 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. 
3. Complete Home Plan: 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.
4. Optional add-ons: There are three optional coverages including septic systems, pool, and well pump. Cinch Home Services also has the Premier Upgrade Package, which includes $1,000 for any unforeseen costs that may occur during a claim. 

Read our Cinch Home Services Review for more information.

6. Best Add-On Options: America's 1st Choice Home Club

America’s 1st Choice Home Club has the best add-on options for a Texas homeowner. Whether you want to include your swimming pool, sprinklers, or your smoke detectors, America’s 1st Choice Home Club has options for you. There’s also a fairly unique option to cover your home’s electronics, like computers, TVs and stereos. In addition to 24/7 customer support and a lifetime guarantee for replacement parts, America’s 1st Choice Home Club brings a lot to the table.

Plans, Pricing, and Coverage

America’s 1st Choice Home Club has four different plans to choose from, making it easier to customize your coverage. The systems-only plan comes in at about $45 per month, while the appliance-only plan is about $38. Most Texas homeowners will opt for one of the comprehensive plans. Both cover most of the important systems and appliances in your home, though AFC’s Platinum Plan ($57) covers plumbing stoppages, fans, your built-in microwave and your ice maker, while the Gold Plan ($52.50) does not.

Read our full review of America's 1st Choice Home Club.

7. Best Appliance Coverage: First American Home Warranty

With the highest coverage limits in the industry, First American Home Warranty offers the best appliance coverage for Texas homeowners. Especially if you have high-value appliances you want to protect, First American is worth a look. 

Plans, Pricing, and Coverage

First American Home Warranty has three plan options to choose from; the Starter, Essential, and Premium. Most Texas households will be drawn to the Essential Plan, which ranges in price from about $57 to $72 a month, depending on your selections. The coverage includes both systems and appliances, including an oven, refrigerator, and washer and dryer. On the two entry-level plans, the coverage cap on appliances is $3,500 per item. The Premium plan doubles that to $7,000.

Read our full review of First American Home Warranty.

What Does a Home Warranty Cost in Texas?

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.

Is a Home Warranty Worth It in Texas?

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?

A home warranty can be a good investment to cover you from big payouts when those kinds of appliances and systems break down. 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.

What Does a Home Warranty Cover in Texas?

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.

Home Warranty Coverage in Texas Cities 

1. Austin, TX
2. Dallas, TX
3. El Paso, TX
4. Fort Worth, TX
5. Houston, TX
6. Lakeway, TX
7. Plano, TX
8. San Antonio, TX
9. Victoria, TX
10. Waco, TX

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

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Best Overall

98.5

Limited Offer: $50 Off + 1 month free

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Most Affordable

97.6

Limited Time: $150 Off All Home Warranty Plans

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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: 

1. We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
   1. Availability 
   2. Pricing
   3. Coverage
   4. Fine Print 
   5. Plan Options  
   6. Service Contract Details 
   7. Customer Service
   8. Trustworthiness
   9. Ratings and Reviews 
   10. Add-On Options 
   11. Promotions
   12. Additional Benefits
2. We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
3. 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.
4. 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: 

1. Plan options (25): Providers that offer more flexibility in their plans are rated higher.
2. Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
3. Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
4. Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
5. 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. 
6. 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. 
7. 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

1. 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. 
2. 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. 
3. 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. 
4. 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.   
5. 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

Choose your State: - Any -AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingDistrict of Columbia

  # 1 Our Top Choice Liberty Home Guard

Editorial Rating 98.00

• $200 off + 1 Month Free + Free Roof Coverage!
• BBB's Only A+ Accredited Home Warranty Company!
• 60-day workmanship guarantee compared to the average of 30 days.
• More than 20 options, including window washing, swimming pools, and irrigation.
• 24/7 service calls

Liberty Home Guard Review

Visit Website (866) 472-3812

  # 2 Cinch Home Services

Editorial Rating 95.30

• First 2 Months Free on all Plans! (exclusions apply)
• Industry-leading 180-day workmanship guarantee
• $500 Homeowner insurance deductible reimbursement
• Thousands of reliable & fast local service providers
• 24/7 customer service
• Low cancellation fee

Cinch Home Services Review

Visit Website (855) 995-1294

  # 3 First Premier Home Warranty

Editorial Rating 95.10

• Lower chance of claim denial
• Multiple optional coverage items
• 24/7 service calls
• Great promotions available
• Market veteran
• Large and established firm

First Premier Home Warranty Review

Visit Website 929-360-2558

  # 4 The Home Service Club

Editorial Rating 94.90

• 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

The Home Service Club Review

Visit Website (855) 498-4719

  # 5 ServicePlus Home Warranty

Editorial Rating 95.10

• $200 OFF + 2 Months Free
• Free Roof Coverage
• Comprehensive coverage plans

• 1 day to submit claim
• Limited availability

ServicePlus Home Warranty Review

Visit Website (267) 824-4010

  # 6 First American Home Warranty

Editorial Rating 95.70

• Best Customer Service 2020
• $100 Instant Online Discount
• Plans from $25/m

• Automatically renewed policy

First American Home Warranty Review

Visit Website (888) 445-5837

  # 7 Complete Care Home Warranty

Editorial Rating

• Lower chance of claim denial
• 24/7 service calls
• Great promotions available

Complete Care Home Warranty Review

Visit Website