To help Texas homeowners choose the best home warranty, we’ve reviewed 60+ home warranty companies and rated them based coverage, affordability, reputation, experience, claims process, and availability.
Once we research a company and have gathered all our data, we use a scoring system to grade each home warranty company on a 100-point scale. We then convert the score into a 5-star rating. The top 5 from our scoring make it in our list.
For example, one thing we find a lot is that companies bury their “exclusions” in the fine print, which are things they can use to avoid paying you. We cover stuff like that in our claims process scoring. Below is a quick list of our favorites, but keep reading to learn more.
Why Trust Us?
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
76
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
152
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
6
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
What are the Best Home Warranty Companies in Texas?
Every homeowner has different needs and priorities when it comes to their home warranty policy. For that reason, no one home warranty plan or provider is best for all Texas homes.
To help you get started, we’ve compiled a list of the best home warranty companies in Texas:
Best for Customization
Liberty Home Guard
4.5
Our Rating
Limited Time:
$200 Off + 2 Months Free
With a Better Business Bureau (BBB) rating of A+ and 4.7 stars on Google Reviews (which is rare), Texas residents can trust Liberty Home Guard to take care of all home warranty needs. In addition to the three basic plans, Liberty offers add-on coverage for more than 34 household items.
Most home warranty providers offer only 10 to 15 additional coverage options, but Liberty Home Guard stands out from the rest with nearly three dozen additional options. This means you can create a home warranty that is perfectly tailored to your home.
For an additional monthly fee, Texans can add dozens of products and services to their home warranty, including critical pest control, pools, hot tubs, faucets, limited roof leak protection, trash compactors and more. The fees for these services range from $3.99 to $23.99 per month, so add-on costs can add up quickly. However, the $19.99 combined pool and spa coverage is one of the most affordable options if you have both on your property.
The maximum coverage cap for both heating and air conditioning systems is $2,000 per warranty contract term, which is sufficient coverage for most HVAC repairs. Many home warranty providers do not cover window unit A/C systems, but Liberty will cover up to two. This allows more Texas homeowners to benefit from air conditioning coverage.
Liberty Home Guard’s limited roof leak protection has a coverage cap of $500, which is standard for many of our home warranty companies and will help offset the cost of an old roof. However, coverage only applies to roofing that is over designated living space and it does not include metal roofs, shingles, tiles or missing material. Since Liberty’s warranty coverage is only for patching roofs, it may not be the most beneficial add-on for Texas homeowners.
Liberty Home Guard’s warranty plans are affordable, and you can get any of the company’s three options for less than $60 per month. Liberty separates its plans into options that include only appliances, only built-in systems or comprehensive coverage.
- Appliance Guard (starting at $49.99/mo): This plan is best for Texans who only want basic home appliances covered. Coverage includes your clothes dryer, refrigerator, built-in microwave, dishwasher, garbage disposal, range/oven/cooktop, ceiling fans, exhaust fans and garage door openers. Does not include home systems
- Systems Guard (starting at $54.99/mo): Ideal for Texas residents who have older home systems, this plan covers heating, ductwork, plumbing, electrical and water heaters. Does not include appliances
- Total Home Guard (starting at $59.99/mo): Includes everything in the Appliance Guard and Systems Guard plans, which is ideal for Texas homeowners who want complete warranty coverage
Liberty Home Guard is the most customizable warranty provider, offering customers the option of 34 additional services. For example, you can add your swimming pool, hot tub, saltwater pool and even guest house to your plan for an additional monthly cost.
Liberty Home Guard’s warranty does not cover damage due to anything besides normal wear and tear. Your warranty will not cover damage to your household appliances and systems caused by pets, pests, natural disasters, corrosion, improper installation, human error or lack of maintenance.
Best Coverage Limits
American Home Shield
4.2
Our Rating
Limited Time:
$150 Off Any Plan
With more than 50 years of experience, American Home Shield (AHS) is a seasoned Texas home warranty provider. AHS operates in 48 states across the U.S. and has helped more than one million homeowners repair or replace their home systems and appliances.
An American Home Shield warranty covers undiscovered pre-existing conditions, so you’ll likely be covered if you buy a new home that turns out to have a faulty system.
Texas homeowners should consider American Home Shield because of the company’s unlimited systems coverage. Each of the company’s three warranty plans covers both air conditioners and heating systems, so you will have full systems coverage regardless of where you live in the Lone Star State.
In addition to saving you an average of $3,650 to $3,800 on HVAC system repairs, American Home Shield also provides excellent roof leak coverage. The company’s ShieldPlatinum™ plan automatically includes $1,500 in roof leak protection, and you can easily add roof leak coverage to your ShieldGold™ or ShieldSilver™ plans for an additional $10 per month. This protection will have your back should your rotting roof lead to water damage and is a worthwhile investment in Texas with the state’s severe weather conditions.
American Home Shield’s three warranty plan options include ShieldSilver™, ShieldGold™ and ShieldPlatinum™. Covered items in each plan include:
- ShieldSilver™ (starting at $49.99/mo): Ideal for Texas homeowners who just want to cover basic home systems, including HVAC, electrical and plumbing. This plan does not include home appliances, but you can add protection for electronics, pools and spas, roof leaks and more
- ShieldGold™ (starting at $69.99/mo): This plan is a good choice for new homeowners who want near complete home protection. It covers 23 major household systems and appliances, including heating, cooling, electrical and plumbing. It also adds kitchen and laundry appliances coverage
- ShieldPlatinum™ (starting at $99.99/mo): If you want complete home warranty coverage, this is the plan for you. It may be the most expensive option available, but this plan covers all 23 major household systems and appliances, plus includes roof leakage protection and one HVAC tune-up
American Home Shield warranty plans cover your basic home appliances and systems, but you can add additional coverage for a monthly fee. AHS will cover 11 additional items, with the most important for Texans being pools, spas and roof leak protection.
Your American Home Shield warranty only covers damage caused by normal wear and tear so damage caused by human error, natural disaster or lack of maintenance is not covered.
As we mentioned above, the ShieldSilver™ plan does not cover appliances. However, the coverage limit for the ShieldGold™ plan is $2,000 per appliance and the limit for ShieldPlatinum™ is $4,000 per appliance.
Best Claims Acceptance
Choice Home Warranty
4.1
Our Rating
Limited Time:
$50 Off + 1 month free!
More than 1,650,000 homeowners in the U.S. have placed their trust in Choice Home Warranty, and the more than 5 million claims settled are a testament to the company’s outstanding customer service. This affordable home warranty provider is perfect if you are a Texan who wants to protect your home but not break the bank.
Choice Home Warranty offers the best value for Texas homeowners because of its affordable protection plans and inexpensive add-ons. Both of Choice Home Warranty’s plans cost less than $55 per month, which means you can protect your most important systems and appliances for less than $2 per day.
Since Texas experiences severe weather conditions, we recommend spending an extra $5.83 per month for added roof leak protection. Plus, for as little as $15 per month, you can also purchase a warranty for your pool or spa. The downside of Choice Home Warranty, however, is you will have to choose the more expensive Total Plan if you want air conditioning coverage, as the Basic Plan only includes heating systems.
Choice Home Warranty has two warranty plan options available. Both plans are affordable and offer great coverage to protect your home systems and appliances.
- Basic Plan (starting at $46.84/mo): If you want great system and appliance coverage that costs less than the national average, this is the plan for you. This plan covers your heating system, electrical system, plumbing system, plumbing stoppage, water heater, Whirlpool bathtub, oven/cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opener and ceiling/exhaust fans
- Total Plan (starting at $54.75/mo): This plan is best for Texans that want full home warranty coverage. It includes the systems and appliances in the Basic Plan with the addition of your clothes dryer, clothes washer, refrigerator and air conditioning system
Choice Home Warranty offers 12 additional items that you can add to your plan, including your swimming pool, spa, lawn sprinkler system and more. Monthly fees for optional coverage are inexpensive. For example, you can add coverage for a second refrigerator or a stand-alone freezer for an additional $3.33 per month.
Similar to other home warranty providers, Choice Home Warranty only covers damage due to normal wear and tear. With both the basic and comprehensive warranties, you get coverage up to $3,000 per item. If you have additional coverage, you will receive up to $500 per item. The only outlier is your septic tank pump-out, which is covered up to $250.
Best Value
Select Home Warranty
4.3
Our Rating
Limited Time:
$150 Off (Code HOUSE25)
Select Home Warranty is a great home warranty provider with excellent customer service. While this warranty covers all major home systems and appliances, what sets Select Home Warranty apart is its low service call fee.
When your household systems and appliances break down, you do not want to pay a hefty service fee for a technician to come to your home. While most home warranty providers charge a service fee of $75 to $100, with Select Home Warranty you pay between $65 and $75 per call in Texas. Select Home Warranty plans also offer excellent protection for both your heating and air conditioning systems, covering repairs up to $3,000 each under certain plans. Since the company only covers central air conditioning systems, it may not be worth it if you have window or wall units, which are not covered.
Select Home Warranty offers the perfect warranty plans for Texans who want roof leak protection because, unlike other warranty providers, it is included in each plan and covers up to $400 in leaky roof damage. You can also add your pool and spa to your home warranty plan for an additional $8.33 and $5.33 per month, respectively. This is the most affordable price available for your pool and spa, so choose Select Home Warranty if you plan on including either in your plan.
In addition to low service fees, Select will send a technician to your home within 24 to 48 hours after you file a claim. This fast response time ensures your most critical equipment and systems are back up and running in no time.
Select Home Warranty offers three plans that cover either your home’s systems, appliances or both. Each plan includes free roof leak protection.
- Gold Care (starting at $60.42/mo): Perfect for homeowners who want basic system coverage, this plan includes air conditioning, heating, plumbing and electrical, plus your water heater and ductwork
- Bronze Care (starting at $60.42/mo): The ideal plan if you don’t want to worry about your home appliances. It covers your clothes washer and dryer, garbage disposal, refrigerator, stove/oven, built-in microwave, cooktop and dishwasher
- Platinum Care (starting at $63.75/mo): This premier plan is best for Texas homeowners who want full coverage of all major systems and appliances. It includes all the systems and appliances in the Gold Care and Bronze Care plans
Select Home Warranty offers nine additional services for a low premium ranging from $3.33 to $8.33 per month. That means you can protect your pool and spa for less than $10 per month.
Select Home Warranty does not cover damage caused by human error, acts of nature, corrosion, manufacturing defects or poor installation. If the damage is covered by your homeowner’s insurance, it is not covered by your home warranty.
Best for Preventative Maintenance
Cinch Home Services
4.1
Our Rating
Limited Time:
2 Months Free On All Plans
Known for its pre-existing conditions coverage, Cinch Home Services is one of the best home warranty providers in Texas. This provider offers three warranty plans and some additional coverage options.
Cinch Home Services has one of the best response times in the home warranty industry. Most warranty providers respond within 48 hours, which can easily extend to more than four days if you file a claim over the weekend. But with Cinch, you’ll often get a response within 24 hours, if not sooner. In fact, the average response time is just two hours for Texas homeowners.
Cinch Home Services has three coverage options, and each plan costs less than $55 per month. You can take out a warranty for your appliances, built-in systems or a combination of both.
- Appliances Plan (starting at $39.99/mo): This plan is best for homeowners who may have older major appliances. It covers your clothes dryer, clothes washer, cooktops, dishwashers, built-in food centers, freestanding ice makers, built-in microwave, ranges, range exhaust hoods, refrigerators, wall ovens and air conditioning
- Built-in Systems Plan (starting at $49.99/mo): If you have unique systems in your home, this is an ideal home warranty plan. It covers air conditioning, ductwork, attic fans, ceiling fans, central vacuum, doorbells, electrical systems, garage door openers, garbage disposals, heating systems, instant hot/cold water dispensers, plumbing systems, smoke detectors, sump pumps, toilets, water heaters, Whirlpool bathtubs and air conditioning
- Complete Home Plan (starting at $54.99/mo): One of the most affordable comprehensive coverage plans available, it covers everything included in both the Appliances and Built-in Systems plans
Cinch does not currently offer roof leak repair coverage, but you can purchase add-ons for your pool, hot tub, septic systems and well pump. Pool and spa coverage starts at $22 per month, which is slightly higher than some of our other top warranty companies.
Texas residents who choose the Complete Home Plan may be eligible for a $500 refund of their home insurance deductible. If you are not sure if you qualify, talk to your Cinch Home Services representative.
If a repair or replacement is covered by your home warranty or homeowner’s insurance, it will not be covered under your Cinch home warranty.
The maximum annual coverage amount you can receive from Cinch is $10,000, but the coverage limit per system or appliance is between $1,000 and $2,000, depending on your service contract.
Compare Each Home Warranty Company in Texas
The table below outlines data for the best home warranty companies on the market, including the best ones in Texas. We constantly update these ratings and as these companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.
| Company | Star Rating | Best For | Monthly Cost | Service Fee | Response Time | BBB Rating |
|---|---|---|---|---|---|---|
 |
Best for Customization |
$50-$60 |
$75 |
12-48 hrs. |
A |
|
|
Best Coverage Limits |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
||
 |
Best Customer Ratings |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
|
 |
Best Claims Acceptance |
$46–$55 |
$85 |
24-48 hrs. |
C |
|
 |
Best Value |
$52–$58 |
$60 |
24-48 hrs. |
B- |
|
 |
Best for Additional Benefits |
$38–$62 |
$75–$125 |
48 hours |
B |
|
 |
Best Appliance Coverage |
$38–$48 |
$75–$125 |
48 hours |
B |
|
|
Best for Preventative Maintenance |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
Quote and cost data gathered June 2023. Cost data are updated and monitored continuously.
What Should You Look for in a Texas Home Warranty?
Home warranties can get pretty pricey, so it’s important to ensure that you get coverage for the things that are likely to break down in your home. Here are some essential features to look for when shopping for a home warranty in Texas.
When temperatures rise into the 90s, especially over 100°F, refrigerators, and air conditioners are under intense pressure to perform. Both will work overtime to keep your home and food cool in the sweltering heat. Opt for a home warranty policy that has adequate coverage on both items.
Consider looking for a highly customizable plan — like the ones from American Home Shield (AHS) – that allows you flexibility in coverage and cost. Some options include adding one-off appliances or systems to other plans to help you save.
A swimming pool can be a lifesaver in the hot Texas heat. But when your pool equipment breaks down, your oasis can become an expensive nightmare. Look for home warranty providers—such as Liberty Home Guard—offering additional pool and spa coverage.
Texas is prone to droughts, and many homeowners have well water. If your well runs dry, your pump could be at greater risk of damage, depending on the type and safety features. Even if it doesn’t run dry, having well-specific coverage is a good idea for many residents, as this is the primary way for countless Texans to access clean water.
Today’s Homeowner Tips
Texas can also experience heavy rains and severe weather conditions, so you should look for a warranty provider that offers leaky roof repairs. Almost all of our top warranty providers in Texas offer roof leak protection as an add-on option, but American Home Shield’s platinum plan and all Select Home Warranty plans include roof leak protection.
How Much Should Texas Home Warranties Cost?
Based on our nationwide study on average home warranty costs in each state, a Texas home warranty costs about $660 per year or $55 per month. The average cost of all the home warranty providers we feature is $601, meaning the annual coverage cost for a home warranty in Texas is slightly higher than in surrounding states. However, your home warranty cost will vary based on factors such as property size, coverage level, and the inclusion of any optional add-ons and upgrades.
In addition to your main premium, it is important to consider the service fee for each claim you file for a new home warranty repair. Service fees vary from $60 to $150 per appointment, depending on the provider. According to our nationwide market research, the industry average service fee is about $76.55.
Knowing the annual coverage limits from your home warranty provider ensures you get the most value from your policy payout. The coverage limit from your home warranty provider is the maximum amount they will reimburse you for repairing a particular home system or appliance. In our research, we found that the average annual coverage limit is around $3,072 per item. So, we recommend Texas homeowners choose a home warranty provider that offers at least a $3,000 coverage limit for essential items in your home. You can also choose option add-ons to your plan, which are usually capped at around $500 per year. Bigger coverage caps reduce the chances of paying for repairs to appliances or systems, particularly for expensive units you may have in your home.
Texas Home Warranty Cost Calculator
You can use our home warranty cost calculator to help you fit a home warranty plan into your yearly budget. Just input your estimated home warranty monthly premium, number of claims, and service call fee to calculate your yearly home warranty costs.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
How Are Home Warranties Regulated 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 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.
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 who 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.
Other Home Warranty Resources
What Do Home Warranties Cover in Texas?
Home warranties protect homeowners from unexpected expenses due to breakdowns of home systems and appliances. That said, home warranties don’t cover 100% of failures. For example, if you never clean the lint trap in your clothes dryer, a home warranty likely won’t cover the repair. But it will protect against normal wear.
Normal wear and tear on home systems and appliances is an expected outcome of frequent use. If you take hot showers daily, you increase the chances of your water heater needing repair. The home warranty usually includes coverage for major system components, as well as any issues with the electronics panel or overall functionality.
Home warranty providers usually offer coverage for appliances, home systems, and additional options. Some providers provide separate plans for home systems and appliances and often offer combo plans too. Add-on coverage options typically include roof leak coverage, sprinkler systems, well pumps, additional home appliances, etc.
All home warranties have exclusions, regardless of the plan. Typically, they include acts of god and issues that homeowners could have prevented from correct use and routine maintenance. Here are the most common home warranty exclusions.
- Cosmetic issues
- Natural disasters
- Skipped maintenance and upkeep
- Accidental damage
- Misuse
It is important to properly maintain your home system and appliances, even if you have a home warranty in place. Failure to do so may result in the provider not covering any issues that arise. Additionally, obtaining an inspection before the start of your plan can be beneficial as it allows the home warranty provider to assess the condition of all systems and appliances.
Is a Texas Home Warranty Worth It?
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 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.
What Are the Biggest Complaints About Texas Home Warranty Companies?
No matter how great a home warranty plan is, there are always customers that have complaints about their plan or the repair service they receive. Understanding some of these potential downsides can help remove any unexpected surprises and negative experiences. Here are a few common issues that homeowners in Texas have with their home warranty plans.
- Denied Claims: Experiencing a denial of your home warranty claim can be a source of frustration. However, knowing your home warranty plan from cover to cover will help prevent these frustrations. Read your agreement (or sample contract) and perform routine maintenance and upkeep on your home systems and appliances.
- Failed Repairs: In some cases, repairs may not be successful and you may need to wait for another technician to fix it (or the same technician to come back with the proper tools and parts). Typically, failed and incomplete repairs are covered by the workmanship guarantee and won’t result in any additional service call fees for you.
- Extra Costs: Home warranty plans tack on an additional bill to your monthly budget. While they often pay for themselves after a few appliance or home system breakdowns, you may have an extended period with no issues in your home. In such cases, just take comfort in the peace of mind that comes with having a great home warranty.
FAQs About the Best Home Warranty Companies in Texas
Is it worth it to get a home warranty in Texas?
Most major household systems and appliances have a lifespan of only six to 10 years. If you buy an older home with older appliances and home systems, you could spend thousands of dollars to replace eventual breakdowns. Home warranties are worthwhile for Texans who want to make sure they are covered in case something fails.
How do I choose a good home warranty in Texas?
If you have decided to invest in a home warranty for your Texas home, there are several things you should do to get the best deal possible. Make sure you:
- Gather multiple quotes.
- Talk to company representatives to get discounts.
- Purchase only the coverage you need.
- Choose only the add-ons you need.
Is a home warranty required?
No, a home warranty is not required. It is an optional service contract that covers the cost of repairs or replacements of home systems and appliances that break down over time. While it’s not mandatory, it can provide peace of mind by reducing unexpected expenses, particularly if your home is older or has high-end appliances that could be costly to repair or replace. Always review the terms and coverage details of a home warranty before purchase to ensure it meets your specific needs.
Methodology: How We Chose the Best Home Warranty Companies in Texas
To help consumers like you choose the best home warranty companies for your Texas home, we dive deep into every top-rated home warranty company and rate them based on six factors. Once we research a company and have gathered all our data, we use the following scoring system to grade each home warranty company on a 100-point scale. We then convert the score to a 5-star rating.
- Plans + Coverage (24 Possible Points): Since every customer has different needs and a different budget, we award more points to providers that offer more plans and greater flexibility. Not every homeowner needs full coverage, so companies like American Home Shield and Cinch Home Services offer great coverage for either just your home systems or home appliances.
- Affordability (22.5 Possible Points): Affordability is an important factor because many homeowners choose home warranties to avoid high payments for home appliance repairs. This category evaluates each company based on the cost of its plans and additional services, service call fees and cancellation terms. All of our top home warranty providers offer competitive prices, but the price of Choice Home Warranty’s plans are most similar to the national average.
- Customer Experience (18.5 Possible Points): Your experience as a customer is important, including the support you receive when contacting your home warranty provider. We gauge overall support by looking at customer reviews, conducting homeowner surveys and analyzing the quotes process. Some companies, such as American Home Shield, contact you daily after you provide your information whereas others, like AFC Home Shield, call you once to ask if you have any questions.
- Company Reputation (17.5 Possible Points): A company’s reputation is a combination of reviews from customers and reputable organizations like the BBB. We also take into account the years of experience a company has, how satisfied its employees are and any past or pending lawsuits. Liberty Home Guard does exceptionally well in this category with an A- rating with the BBB and 4.7 stars on Google.
- Claims Process (12.5 Possible Points): In this category, we look at the overall claims process, including how easy it is to file a claim and a company’s response time. Cinch Home Services earns points due to its quick response time, whereas other providers like American Home Shield and Liberty Home Guard earn points for having 24/7 customer service availability.
- Availability (5 points): Availability refers to how many states and locations a company serves. All of the companies on our list are available in Texas and offer full home warranty service.
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