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Best Home Warranty in Waco, Texas

best home warranty company in waco texas review

Looking for the best home warranty in Waco?

Perfect you’re in the right spot. In this guide, you’ll learn:

  • Who should get a home warranty in Waco?
  • What will a home warranty cost in Waco?
  • What factors should I think about when looking at a home warranty?
  • … and answers to many, many more of your Waco home warranty questions.

After 68+ companies reviewed, below are the top picks that we think are of the most benefit to Waco residents. Continue reading!

Editor's Choice
97.0

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

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

Limited Time: $150 Off + 2 Free Months + roof coverage
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Top Home Warranty Companies for Waco Homeowners

More Than 10 Years on the Market


Most Comprehensive Coverage Available


Free Reservice Period for Parts


Emergency Service Available


Cheapest and Best Basic Plan ($34/m)

Choice Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wisconsin, Wyoming, District of Columbia

American Home Shield is one of the first companies that started providing home warranty services to homeowners and real estate agents. The company offers a variety of contracts, including customized plans.

American Home Shield Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming, District of Columbia

 Almost-Nationwide Service


 Majority of Client Reviews Online Are Positive


 Clearest Terms and Conditions


 Highest Contractor Professionalism


Best Gold Plan ("Platinum Care")

Select Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wyoming, District of Columbia, California

 Customer Service Available 24/7


 Least BBB Complaints


Great Reviews on Google Places


Reservice for Failed Parts


1 Free Month Upon Annual Sign-Up

ServicePlus Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Florida, Hawaii, Minnesota, New Hampshire, Rhode Island, Utah, Wisconsin, New Mexico, Maine, Massachusetts, North Dakota, South Dakota, Vermont, Wyoming, District of Columbia, Iowa

 Industry Veteran Award


Large and established company


 Top 3 Cheapest Plans ($25/month)


Low optional coverage costs




Coverage is capped at $500


Limited Selection of Optional Coverage Items

First American Home Warranty Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wyoming, District of Columbia

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.

Not everyone in Waco can have Chip and Joanna Gaines come out and refurbish their home from the inside out. You might feel all on your own when it comes to maintaining and protecting the systems and appliances in your home. But you don’t have to be!

That’s why we wanted to help with this home warranty review of companies serving Waco and the wider Brazos River Valley. You’ve got options, and you need to know what to expect from a good home warranty plan for your Waco home. 

Please note: as rule of thumb all companies that service Texas residents should be able to serve you if you live in Waco.

 

 

Who Needs A Home Warranty in Waco?

Homeowners

You’ve lived in your Waco home for awhile. Maybe the electrical system or water heater is aging. Home repairs can get expensive, and doing it yourself has lost that Waco “homesteader” charm it had when you first moved in.

There are some things homeowners insurance won’t cover. That’s what a home warranty is for. So everything from a garage door opener to the garbage disposal can get covered from the normal wear and tear a home goes through in Waco.

Homebuyers

You want your new home in Waco to be as worry-free as possible. If you are a first-time homebuyer, home warranty protection plans can be a good investment, or a good point of negotiation during the home purchase process. 

If you are thinking about moving to Waco, here is the experience of a for-real couple who recently took the plunge: 

 

Read Also: Which Plans Are The Best For Home Buyers?

Homesellers

Waco is becoming a hot real estate market. If you want to stand out from competing homes, a home warranty can be a great differentiator. Don’t let potential buyers worry about your air conditioner or even the ductwork for your HVAC system. Offer peace of mind with a home warranty.

As a Realtor, you want to offer every advantage to your home seller or home buying clients. That might mean purchasing a home warranty on your clients’ behalf. Most home warranty providers have a portal and pricing specific to real estate agents. 

 

What Should You Think About When Purchasing A Waco Home Warranty?

Weather/Climate

best home warranty plans reviewed for waco texas

Hooray for the mild winters, but the wet spring and overall heat and humidity will wreak havoc on your home appliances and systems.

Location

The central Texas city has a population of around 140,000, and regionally, the population is close to 300,000. Baylor University is a big deal here. As a university town, there is a lot of population movement, so if you want to keep your home always move-in ready, and with a built-in incentive to buy, a home warranty just makes sense. 

Real Estate Data

While not getting the same attention as the Dallas or Houston markets, Waco is small but mighty. Waco has seen a steady rise in home prices over the last 5 to 10 years, and it shows no sign of slowing down. 

Read Also: What Is The Best Home Warranty Plan For San Antonio?

 

What Will A Warranty Cost For Your Waco Home?

Anywhere from around $350 to the low $700s in annual premiums depending on the plan and options you choose.

You will also be responsible for service call fees that range from $65 to $125. Service fees sometimes depend on the amount of your premium, as is the case with American Home Shield, which allows you to choose your own service fee. Be sure to get a quote from several home warranty companies to get a sense of what it will cost to get the specific coverage you want for your Waco home.

Need protection from costly repairs in El Paso, Texas? We can help!

 

What Types Of Plans Are Available For You In Waco?

A home warranty is a type of service contract. Home warranty coverage comes in three varieties: an appliance plan, a home systems plan, and a combo plan. Some companies offer all three, and some offer an appliance plan and a total plan. The best buy is usually the combo plan offering comprehensive coverage of major appliances and major systems in your home.

Most companies also offer optional add-on coverage for things like septic systems, pools and spas, or even additional refrigerators (for the garage beer fridge!) or HVAC units.

Read Also: What Is The Best Home Warranty Plan For A Well Pump?

 

Is A TX Home Warranty Worth It?

In a word, yes. With the active housing market and weather that is less than kind to your home, the protection of a home warranty can be well worth the cost of premiums and service calls. 

If your HVAC system breaks down in the sultry summertime, you don’t want to have a big payout to make, and you don’t want to wait. That’s just one example of how repair or replacement with a home warranty can benefit you and your Waco home.

Waco Home Warranty Facts

 

Top Home Warranties For Waco 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
 

Total Home Protect 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

total home protection home warranty

Why Do We Like Total Home Protect?

Total 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 Total Home Protect 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, Total Home Protect 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)

Final Thoughts On Home Warranties In Waco

Your Waco, Texas home warranty is a big decision. Your home is your most significant investment, and you don’t want it to become a money pit. A home warranty can help manage your home maintenance costs and save you valuable time to spend enjoying central Texas.