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 in 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.

Editor's Choice
97.0

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

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in Texas

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.8
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 95.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy

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 3 Home Warranty Companies Texas (2021)

Company NameChoice Home WarrantyAmerican Home ShieldSelect Home Warranty
Number of Plan Options2 Plans3 Plans2 Plans
Monthly Plan Cost$45 - $55$35 - $65$36 - $45
BBB RatingBBB
ReviewsRead Choice Home Warranty ReviewsRead American Home Shield Reviews

 

Choice Home Warranty (Best Home Warranty Texas) 

Choice Home Warranty is the best overall home warranty for the state of Texas. The most important feature of the Texas home warranty plan is that it is going to come at a very fair price. You can get coverage for everything from your central vacuum to your hot water heater for a very fair monthly price. In addition, your home warranty service contract will be simple to follow and easy to understand. 

The Choice Home Warranty has been in the business for quite some time. Although they only offer two plans, there are additional coverage options to help ensure you get the comprehensive coverage that you need. With great customer reviews, a workmanship guarantee, and difficult qualifications for a service technician, Choice is a great plan to consider. 

Pros

  • Simple and straightforward contracts are easy to understand 
  • Only a few exclusions in the Total Plans
  • Large network of service providers   

Cons

  • There is no option for a custom plan where you choose the home systems appliances covered
  • You cannot choose your own technician or repair person to do the home service 

 

American Home Shield (Editors Choice)

American Home Shield is the premium home warranty company in Texas. American Home Shield covers appliances, systems and even offers a combo plan where you can combine the coverage. With American Home Shield, you can also put together a custom home warranty plan that works for your needs. There is no question that this home warranty provider has some of the more extensive offerings on the market. We are quite impressed by what this company has to offer. 

Of course, after your free quote from AHS, not much else will be free. This is one of the higher-priced options on the market, but you certainly will feel as though you get a great value. If you have a swimming pool or spa, AHS is a great choice as these are quite simple to add to your plan. 

Pros

  • Known for quality workmanship and customer service
  • AHS gives customers the ability to customize both plan and service fee or deductible cost
  • Has three plans to choose from, plus the ability to build a custom plan 

Cons

  • The pricing is high for the more customized plan 
  • BBB rating is only a B, some issues with customers service in the past 
  • Some optional coverages for major appliances or add-ons will increase the price significantly 

 

Select Home Warranty (Most Affordable)

Select Home Warranty is the most affordable Texas home warranty. If you are worried about what the cost of a home warranty plan will do to your monthly budget, Select is a perfect choice. The Select Home Warranty can cover major things like heating systems or septic systems and it also offers coverage for smaller add ons like a trash compactor. Even though there are only two plans, you can adequately customize the coverage to work for you. 

The feature that really makes Select Home Warranty stand out is the fact that they offer free roof coverage with the Total Care plan. Having this free coverage will just give you another level of comfort, knowing that your home is protected. If you are on the fence about whether or not a Texas home warranty makes sense for you, start with this company. 

Pros

  • One of the most affordable plans in the state of Texas 
  • Plan choices are simple and straightforward, just two to choose from 
  • Free roof coverage with the Total plan 

Cons

  • $75 Cancellation Fee
  • Must file a claim quickly, or it could be denied
  • Although lower in price, plans are a bit limited with maximum payouts and limits 

 

The Texas real estate market is booming - homeowners look for protection

Home Warranty for Texas Home Owners

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.

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 from HVAC to plumbing, or a plan that covers appliances from clothes washers to your refrigerator's ice maker. Most home warranty plans also offer additional coverage through add-ons for things like your in-ground pool and spa, septic system, or your central vacuum - even pest control.

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.

 

  • 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 their 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. Air conditioners 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 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.

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 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!

How to preserve your A/C unit clean and tidy - On our Blog

Home Warranty Plans for Appliances

Home warranty contractor in Texas

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 system, plumbing, electrical systems, and sometimes include a water heater.

Read Also: Can A Home Warranty Plan Cover Your Plumbing And Plumbing Stoppages?

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!

Looking for a home warranty in a nearby state? Check out our comprehensive reviews on states like New Mexico, Oklahoma, and Louisiana.

Read Also: Are You A Senior That Needs Home Warranty Coverage In Texas?

Best Home Warranties in Texas Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice 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).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

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!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive

 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

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!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

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.

Pros

  • 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

Cons

  • Must report your issues within one day of noticing a problem
 

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus 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!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Nearby States

All states
Home warranty Arkansas 32 companies available
Arkansas Home Warranty
Home warranty Louisiana 31 companies available
Louisiana Home Warranty
Home warranty Oklahoma 29 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 cover all these items, so look carefully at what is covered under the plans you are interested in. 
Q.

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

A.

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

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

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

Q.

What Is Add On Coverage?

A.

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

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

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

Q.

How much does a home warranty cost in Texas?

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

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

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

What If I Like To Complete Home Repairs Myself?

A.

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

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

Q.

How do I choose a good home warranty?

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

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