Best Home Warranty Companies in Texas (2024 Guide)

By Jesus Sanchez Garcia & Reviewed By Sal Dimiceli Updated April 25, 2024

All products and services featured are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

Keeping up with your home often includes proactive maintenance and making repairs when major home systems and appliances break. With a Texas home warranty, you’ll receive protection when systems and appliances fail due to normal wear and tear.

A new home warranty is an investment in your peace of mind: You pay a monthly fee to keep your policy active plus a small fee when you file a claim. After reviewing dozens of home warranty providers, our team arrived at the best home warranty companies in Texas. We considered factors such as service plan availability, plan pricing, industry reputation, customer service, and the quality of additional features.

The average temperature across Texas in the summer of 2023 was 85.3 degrees, with temperatures often exceeding 100 degrees. Because of this, HVAC insurance is essential for the summer months in the Lone Star State.

Our Top Pick
VISIT SITE $200 Off + 2 Months Free + Roof Leak Protection
Monthly Cost $49–$60
Service Fee $65–$125
Plans Offered 3
Best for Extensive Coverage
VISIT SITE Get $150 Off All Plans
Monthly Cost $40–$80
Service Fee $100–$125
Plans Offered 3
Best Budget Coverage
VISIT SITE Use code HOUSE25 for $150 off & 2 months free
Monthly Cost $44–$48
Service Fee $65–$75
Plans Offered 3
Best for Systems Coverage
VISIT SITE Special Offer: $100 Off with Code “PROTECT”
Monthly Cost $45–$70
Service Fee $75–$125
Plans Offered 3

Top Home Warranty Companies in Texas

When researching a Texas home warranty, consider the type of coverage, plan costs, and customer service ratings before making a selection. For example, choosing a company with flexible service fees allows you to customize your monthly premium. This can increase the value you get from your provider. Below are the top home warranty providers available in Texas:

We gathered all cost data, coverage options, and add-on availability in this article through a simulated quote process for a single-family home smaller than 5,000 square feet in Houston. Since plans and pricing change between homes of similar sizes and locations, it’s best to request a personalized quote from each provider.


Compare the Best Home Warranty Companies in Texas

The following table compares the top home warranty companies in Texas:

Providers
Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
B
$40–$80
$100–$125
Best Add-On Variety
NR
$49–$60
$65–$125
Best Budget Coverage
B
$44–$48
$65–$75
Best for Systems Coverage
B
$45–$70
$75–$125
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$40–$80 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49–$60 $65–$125 NR VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B VISIT SITE
First American Home Warranty First American Home Warranty
$45–$70 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $40–$80
Service Fee $100–$125
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating NR
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $45–$70
Service Fee $75–$125
BBB Rating B
VISIT SITE

American Home Shield

Best for Extensive Coverage

4.9

Our Rating

Number of plans: Three
Service fee: $100–$125

We like American Home Shield (AHS) for its coverage of preexisting conditions and physical damage along with its generous system coverage caps of $5,000. We also appreciate that AHS offers roof-leak protection as part of its highest-tier plan.

Pros and Cons

Pros

  • Provides roof-leak coverage in its top plan
  • Covers unknown preexisting conditions and damaged items
  • Has a high built-in system coverage cap of $5,000

Cons

  • Has steep monthly premiums
  • Doesn’t provide appliance-only plans
  • Offers only six add-ons

Plans and Pricing

AHS offers three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver covers a suite of built-in systems while ShieldGold extends that protection by covering laundry and kitchen appliances. ShieldPlatinum is the most comprehensive plan offered by AHS, covering everything in ShieldGold and providing coverage for roof leaks and code upgrades.

AHS tops our list of the best home warranty companies in part because its three plans don’t have a coverage cap on built-in systems. This allows homeowners to file as many claims as necessary on items without reaching a limit set by the company. The ShieldGold plan has a $2,000 coverage limit on appliances while the ShieldPlatinum plan has a $4,000 limit on appliances.

ShieldSilver ($34.99–$49.99 per month): This systems-exclusive plan covers 14 items including your air conditioning system, heating unit, ductwork, built-in exhaust, vent, and attic fans, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heater.

ShieldGold ($44.99–$59.99 per month): ShieldGold covers all of the items in the ShieldSilver plan. It also provides up to $2,000 of coverage for laundry and kitchen appliances including refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant hot and cold water dispensers, washers, and dryers.

ShieldPlatinum ($64.99–$79.99 per month): This comprehensive plan covers everything in ShieldGold and raises the coverage cap for appliances to $4,000. This plan also covers up to $1,500 for roof leaks and provides a discounted annual air conditioning or heating tuneup, unlimited AC refrigerant, and up to $1,000 in upgrades for local code violations and permits.

Recommended Plan for Texas Homeowners

We recommend the ShieldGold plan for its coverage of major home systems including HVAC, ductwork, interior electric lines, and attic fans. The ShieldGold plan also protects essential appliances like refrigerators, washers, and dryers.

Liberty Home Guard

Best Add-On Variety

4.5

Our Rating

Number of plans: Three
Service fee: $65–$125

We appreciate Liberty Home Guard’s comprehensive coverage, moderate prices, and selection of more than 40 add-ons. We also like Liberty’s high coverage caps of $2,000 for most systems and appliances.

Pros and Cons

Pros

  • Has 60-day workmanship guarantee
  • 24-hour live chat customer service system
  • Possesses 42 unique optional add-ons

Cons

  • Doesn’t provide lower premium rates with a higher service fee
  • Lacks service call fee flexibility
  • Has lower electrical and plumbing coverage caps

Plans and Pricing

Liberty Home Guard (LHG) offers three plans and stands out for its suite of 42 optional coverage items including for high-end, pro-series appliances. Customers can choose an appliance-only plan called Appliance Guard which covers items such as your laundry machines and cooktop. Liberty offers a systems-only plan called Systems Guard which covers items such as your plumbing system and electrical system. Finally, it offers a combination plan called Total Home Guard, which covers all the items in both Appliance Guard and Systems Guard.

Unlike other providers, Liberty Home Guard assigns service call fees to each account based on the plan, add-on selections, and your home’s location. Unfortunately, the service call fee isn’t transparent online. During a simulated quote process, we spoke to a customer service representative who informed us that your assigned service call fee falls within the range of $65–$125.

Appliance Guard ($49.99 per month): Appliance Guard covers 11 major appliances such as your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling and exhaust fans, and garage door openers.

Systems Guard ($54.99 per month): Systems Guard covers six built-in systems such as your air conditioning system, heating system, ductwork, plumbing system, electrical system, and water heater.

Total Home Guard ($59.99 per month): This plan covers all of the items included in the two basic plans above.

Recommended Plan for Texas Homeowners

We recommend Systems Guard for its coverage of heating, ductwork, and air conditioning for Texas homeowners and homebuyers. You can also customize your plan using Liberty’s many add-on options.

Select Home Warranty

Best Budget Coverage

3.9

Our Rating

Number of plans: Three
Service fee: $75

We like Select Home Warranty because of its budget-friendly monthly premiums and wide coverage selection. None of its premiums are more expensive than $50 per month and its service fees are all $65–$75. We also like its inclusion of roof-leak coverage in all plans.

Pros and Cons

Pros

  • Provides a $3,000 coverage cap for HVAC systems
  • Has premium prices below $50 per month
  • Offers free roof-leak coverage for every plan

Cons

  • Charges multiple service fees for simultaneous claims
  • Doesn’t have a flexible service call fee policy
  • Offers lower coverage caps than competitors

Plans and Pricing

Select Home Warranty offers three coverage plans: Bronze Care, Gold Care, and Platinum Care. Bronze Care also protects your microwave and refrigerator while Gold Care covers items such as your air conditioning and water heater. Platinum Care combines coverage from the two basic plans while adding coverage for garage door openers and ceiling fans.

Select is one of the only home warranty providers to offer free limited roof-leak protection with all plan options. It also stands out for its quick same-day response time. In fact, several reviews on Trustpilot praised the provider for the speed at which a service technician arrived at their house and fixed an issue.

Bronze Care ($44.42 per month): The Bronze Care plan covers your home’s appliances including your clothes washer, clothes dryer, garbage disposal, refrigerator, stove, oven, built-in microwave oven, cooktop, and dishwasher.

Gold Care ($44.42 per month): The Gold Care plan covers built-in systems including your air conditioning system, heating system, plumbing system, electrical system, water heater, and ductwork.

Platinum Care ($47.75 per month): Platinum Care combines the coverage of the two earlier plans and adds coverage for garage door openers and ceiling fans.

Recommended Plan for Texas Homeowners

We recommend Select’s Gold Care plan for its $3,000 HVAC and electrical system coverage.

First American Home Warranty

Best for Systems Coverage

4.7

Our Rating

Number of plans: Three
Service fee: $75–$125

We like First American Home Warranty because of its high appliance coverage caps. We also recommend the provider for its impressive suite of coverage add-ons and plan upgrades.

Pros and Cons

Pros

  • Preexisting condition coverage with its First American Advantage upgrade
  • Offers a $7,000 appliance cap on its highest-tier plan
  • Unlimited coverage cap on most home systems

Cons

  • Offers air conditioning as an add-on option in its Starter Plan
  • Provides coverage in only 33 states
  • Less robust home system coverage in its basic plan

Plans and Pricing

First American Home Warranty offers three comprehensive plan selections: the Starter Plan, the Essential Plan, and the Premium Plan. The Starter and Essential plans cover a mix of major systems and appliances while the Premium Plan increases coverage limits and options.

Note that First American’s Starter Plan excludes air conditioning coverage. You can purchase coverage for electric central air conditioning and an annual HVAC system tuneup as an add-on for around $10 per month.

Starter Plan ($47–$62 per month): This plan includes built-in microwaves, cooktops, dishwashers, ductwork, electrical systems, heating systems, kitchen range hoods, ovens, plumbing systems, plumbing stoppages, refrigerators, toilet tanks, bowls, and mechanisms.

Essential Plan ($57–$72 per month): This plan includes everything in the Starter Plan plus air conditioning, ceiling, attic, and exhaust fans, clothes washers, clothes dryers, the First American Advantage add-on, garage door openers, trash compactors, and water heaters.

Premium Plan ($72–$87 per month): The plan includes all items in the Starter Plan alongside central vacuum systems, faucets, full garage door systems, instant hot water dispensers, luxury appliances, showerheads, shower arms, and window AC units.

Recommended Plan for Texas Homeowners

We recommend First American’s Essential Plan for its electrical system and air conditioning coverage for Texas homeowners. If your home has window air conditioning units, we recommend the Premium Plan instead.

AFC Home Warranty

Best Membership Perks

4.4

Our Rating

Number of plans: Four
Service fee: $75–$125

We appreciate AFC Home Warranty for its personalized home warranty plans and reasonable pricing. It offers four coverage plans, three service fees, and 13 add-ons, allowing for plenty of plan customizations.

Pros and Cons

Pros

  • Unlimited workmanship guarantee on repairs
  • Unique perks such as credit monitoring and identity protection
  • Four different coverage plans

Cons

  • Doesn’t cover unknown preexisting conditions
  • Reduced coverage caps for items five years and older
  • Requires customers to submit claims at least one day after noticing problems

Plans and Pricing

AFC Home Warranty is a top choice for homeowners who want plan flexibility. AFC offers four plans, which is more than the typical two or three plans offered by competitors. The Silver and Systems plans cover appliances and built-in systems respectively, while the Gold Plan and Platinum Plan offer combination coverage.

Silver Plan ($31.50–$36 per month): Covers nine appliances including your clothes washer and dryer, kitchen refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener

Systems Plan ($38.25–$42.75 per month): Covers built-in systems such as your water heater, air conditioning system, heating system, electrical system, plumbing system, and ductwork

Gold Plan ($45–$49.50 per month): Combines coverage from the Silver Plan and Systems Plan

Platinum Plan ($49.50–$54 per month): Includes all of the items in the Gold Plan plus coverage for plumbing stoppages, faucets, ice makers, and built-in microwaves

Recommended Plan for Texas Homeowners

We recommend AFC’s Systems Plan to Texas homeowners for its electrical and air conditioning coverage. If you’re looking for appliance coverage alongside essential home systems, we suggest looking into the Gold Plan instead.

Cinch Home Services

Best Coverage Variety

4.4

Our Rating

Number of plans: Three
Service fee: $100–$150

We like Cinch Home Services for its unique perks and home warranty coverage options. Cinch covers preexisting conditions and offers $500 home insurance deductible reimbursement as part of its highest-tier plan.

Pros and Cons

Pros

  • Offers rust and corrosion coverage
  • $10,000 annual coverage cap for all items
  • Includes a $25 air conditioner or water filter credit

Cons

  • Has higher-than-average service call fees
  • Doesn’t provide roof-leak coverage as an add-on
  • Limited selection of add-on options

Plans and Pricing

Cinch Home Services is another home warranty titan with decades of industry experience. It offers three standard plan options: the Appliances Plan, the Built-In Systems Plan, and the Complete Home Plan. The Appliances Plan covers items such as your dishwasher and built-in trash compactor while the Built-In Systems Plan covers systems such as smoke detectors and garbage disposals. The Complete Home Plan combines those two plans into one all-inclusive package.

Additionally, Cinch’s comprehensive policies cover items damaged by rust and corrosion, which isn’t typical of the industry.

Appliances Plan ($34.99–$50.99 per month): The Appliances Plan covers your clothes dryer, clothes washer, cooktop, dishwasher, built-in food center, freestanding ice maker, built-in microwave, range, range exhaust hood, refrigerator, built-in trash compactor, and wall oven. It also comes with a $25 air conditioner or water filter credit and a complimentary water sensor, a device that can help you detect water leaks.

Built-In Systems Plan ($39.99–$57.99 per month): The Built-In Systems Plan extends coverage to air conditioning including ductwork, heating including ductwork, attic fans, ceiling fans, central vacuum, doorbell, electrical system, garage door openers, garbage disposal, instant hot and cold water dispenser, plumbing system, smoke detectors, sump pump, toilets, water heater, and whirlpool or jetted tub. It also comes with a $25 air conditioner or water filter credit and a complimentary water sensor.

Complete Home Plan ($49.99–$67.99 per month): The Complete Home Plan covers all items from the previous two plans. It also comes with a homeowners insurance deductible reimbursement of up to $500 should you need to file a claim during your plan term.

Recommended Plan for Texas Homeowners

We recommend Cinch Home Warranty’s Built-In Systems Plan for its comprehensive appliance and system coverage for Texas homeowners.


How to Choose a Home Warranty

Based on our survey of 1,000 homeowners, we found that more than half of respondents considered two to three home warranty providers before making their final decision. Here are a few tips to help you purchase the best home warranty for your Texas home.


 Which Home Warranties Are Best for Texas?

According to the National Weather Service, the average temperature for Texas in the summer of 2023 was 85.3 degrees. Temperatures across the state often reached 100 degrees, with many areas recording temperatures of over 110. Because of this, keeping a properly functioning HVAC system is essential to coping with summertime. We recommend signing up for a company with comprehensive HVAC coverage such as Liberty Home Guard, American Home Shield, or Select Home Warranty.


How Are Home Warranties Regulated in Texas?

According to our research, the Texas Department of Licensing and Regulation (TLDR) oversees home warranty companies in Texas. The TLDR licenses home warranty companies, makes sure that they fulfill legal and financial requirements, and performs regular audits. Several laws and acts in Texas exist to protect consumers from poor practices employed by shady companies. Specifically, home warranties in Texas are covered in Sections 2.313, 2.315, 2.715, 17.46 and 17.50 of the Texas Business and Commerce Code and the Service Contract Regulatory Act.


Our Recommendation

Our team carefully vetted the top home warranty companies in Texas using factors such as plan offerings, responsive customer service, and additional coverage features.

American Home Shield stood out for its generous coverage caps that are ideal for people with big-ticket appliances and systems. If you want the option to choose your own contractor, AFC Home Warranty may be the right choice.

Whether you want protection for expensive kitchen appliances or need to support your air conditioning system during the hot Texas summers, do your due diligence before signing up for a home warranty. We recommend requesting quotes from as many providers as possible, reading each provider’s sample contract, and speaking to a company representative before enrolling in a policy.


Frequently Asked Questions

Is a home warranty worth it?

If you’ve recently purchased a property, you may have many new repair needs and workmanship concerns. Similarly, a historic home may be more likely to contain older appliances and built-in systems, which can increase the likelihood of repairs in the future. Home warranties can be worth it for homeowners who want help with the repair process for their built-in systems and appliances.

Do home warranty companies have coverage limits?

Your home warranty coverage depends on the plan you select. Some providers place coverage caps on their plans while other providers break coverage down by item. The exclusions and limitations section in your sample contract should outline these terms. Read your sample agreement before signing up for a policy to understand the extent of your policy’s coverage.

Are home warranty companies trustworthy?

Because the home warranty industry is regulated differently than the insurance industry, it can be difficult to tell if a home warranty provider is reputable. While our team carefully vetted each home warranty provider in this review, we recommend that you take extra care to look for other warning signs. A reputable provider will have clear and easy-to-understand terms detailed in its sample contract, and you shouldn’t have a hard time finding the contract on the provider’s website. Home warranty providers should also have an accessible customer service team that allows you to file claims easily, check on the status of a claim, and ask questions as needed.

Do home warranties cover old appliances?

Most home warranty companies don’t exclude items from coverage based on their age, but a company’s claims department will take an item’s age into account when calculating the replacement of an appliance. For example, a 15-year-old clothes washer would not have the same replacement value as an appliance purchased in the last couple of years.


How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.