Affiliate Disclaimer: 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.
Everything is bigger in Texas, and homes are no exception. Keeping up with a large home often includes proactive maintenance and making repairs when major home systems and appliances break. With a home warranty, you’ll receive protection when systems and appliances fail due to normal wear and tear.
A home warranty is an investment in your peace of mind: You pay a monthly fee to keep your policy active plus a small fee whenever 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 offered.
The Top 8 Home Warranty Companies in Texas
When researching a 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 obtain from your provider. Below are the top home warranty providers available in Texas:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- First American Home Warranty : Best for Home Systems Coverage
- America’s 1st Choice Home Club : Best Membership Perks
- Cinch Home Services : Best Coverage Variety
- The Home Service Club : Best for Essential Coverage
- HomeServe : Best for Specific Needs
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. Because plans and pricing can vary from home to home even of similar size and location, it’s a good idea to request a personalized quote for each provider.
Compare the Best Home Warranty Companies in Texas
| Star Rating | Monthly Cost | Service Fee | BBB Rating | Link | ||
|---|---|---|---|---|---|---|
| American Home Shield | | $65–$76 | $100–$125 | B | VISIT SITE | |
| Liberty Home Guard |  | $49-$60 | $65–$125 | A+ | VISIT SITE | |
| Select Home Warranty |  | $44–$48 | $65–$75 | B- | VISIT SITE | |
| First American Home Warranty |  | $59–$77 | $75–$125 | B | VISIT SITE |
| American Home Shield | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $65–$76 |
| Service Fee | $100–$125 |
| BBB Rating | B |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $49-$60 |
| Service Fee | $65–$125 |
| BBB Rating | A+ |
| Select Home Warranty | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $44–$48 |
| Service Fee | $65–$75 |
| BBB Rating | B- |
| First American Home Warranty | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost | $59–$77 |
| Service Fee | $75–$125 |
| BBB Rating | B |
American Home Shield
American Home Shield
Best for Extensive CoverageFast Facts
- Number of Plans: Three
- Service Fee: $100–$125
- Get a Quick Quote: Visit site
Plans and Pricing
American Home Shield (AHS) offers three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver covers a suite of built-in systems, while ShieldGold extends that coverage 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, code upgrades, and more.
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 these items without reaching a limit set by the company. The ShieldGold plan has a $2,000 coverage limit on appliances, and 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 and 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/cold water dispensers, washers, and dryers.
ShieldPlatinum ($64.99–$79.99 per month): This comprehensive plan covers everything in the ShieldGold plan 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 tune-up, unlimited AC refrigerant, and up to $1,000 in upgrades for local code violations and permits.
Read More
Read More: American Home Shield Review
Liberty Home Guard
Liberty Home Guard
Best Add-On VarietyFast Facts
- Number of Plans: Three
- Service Fee: $65–$125
- Get a Quick Quote: Visit site
Plans and Pricing
Liberty Home Guard (LHG) offers three plans and stands out for its extensive suite of 35 optional coverage items, including coverage for high-end, pro-series appliances. Customers can choose from an appliance-only plan called Appliance Guard, which covers items such as your laundry machines and cooktop. It 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 on this list, 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, namely 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, including 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.
Read More
Read More: Liberty Home Guard Review
Select Home Warranty
Select Home Warranty
Best Budget CoverageFast Facts
- Number of Plans: Three
- Service Fee: $75
- Get a Quick Quote: Visit site
Plans and Pricing
Select Home Warranty offers three coverage plans: Bronze Care, Gold Care, and Platinum Care. Bronze Care covers items such as 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 remedied 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.
Read More
Read More: Select Home Warranty Review
First American Home Warranty
First American Home Warranty
Best for Systems CoverageFast Facts
- Number of Plans: Three
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
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 essential 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 tune-up 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 your central vacuum systems, faucets, full garage door systems, instant hot water dispensers, luxury appliances, shower heads, shower arms, and window AC units.
Read More
Read More: First American Home Warranty Review
AFC Home Club
AFC Home Club
Best Membership PerksFast Facts
- Number of Plans: Four
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans and Pricing
America’s 1st Choice (AFC) Home Club is a top choice for homeowners who want plan flexibility. AFC Home Club 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 the Platinum Plan offer combo coverage.
Silver Plan ($31.50–$36 per month): This plan 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): This plan 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): This plan combines the coverage from the Silver Plan and Systems Plan.
Platinum Plan ($49.50–$54 per month): This comprehensive plan includes all of the items in the Gold Plan plus coverage for plumbing stoppages, faucets, ice makers, and built-in microwaves.
Read More
Read More: AFC Home Club Review
Cinch Home Services
Cinch Home Services
Best for Pool CoverageFast Facts
- Number of Plans: Three
- Service Fee: $100–$150
- Get a Quick Quote: Visit site
Plans and Pricing
Cinch Home Services is another home warranty titan with decades of 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, and 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 your air conditioning including ductwork, heating including ductwork, attic fans, ceiling fans, central vacuum, doorbell, electrical system, garage door openers, garbage disposal, instant hot/cold water dispenser, plumbing system, smoke detectors, sump pump, toilets, water heater, and whirlpool/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 home insurance claim during your plan term.
Read More
Read More: Cinch Home Services Review
Home Service Club
Home Service Club
Fast Facts
- Number of Plans: Two
- Service Fee: $95
Plans and Pricing
The Home Service Club offers two plan options: the Standard Plan and the Comprehensive Plan. Both cover a combination of built-in systems and appliances, such as kitchen appliances and ceiling fans, but the Comprehensive Plan extends coverage by covering ductwork, alarm wiring, and more.
The Home Service Club stands out for its quick waiting period of 10 days at the start of your plan, which is significantly shorter than the typical 30-day waiting period. You also have the option to cover up to three refrigerators when you elect add-on coverage, so it’s a particularly strong option for large households and big families with additional food storage demands.
Standard Plan ($51.21 per month): This plan covers your air conditioning system, ceiling fans, central vacuum, dishwasher, clothes dryer, electrical system, food center, garage door opener, garbage disposal, trash compactor, heating system, refrigerator ice maker, microwave, oven/stove/cooktop, plumbing system, refrigerator, clothes washer, and water heater.
Comprehensive Plan ($62.50 per month): This plan covers all of the items in the Standard Plan plus alarm wiring, doorbells, ductwork, gas leaks, hot water pumps, pest control services, plumbing stoppages, smoke detectors, sump pumps, telephone wiring, hot water dispensers, water leaks, and whirlpool tubs.
HomeServe
HomeServe
Best for Specific NeedsFast Facts
- Number of Plans: 12
- Service Fee: $100
Plans and Pricing
HomeServe stands out for its specialized coverage, specifically its air conditioning coverage that protects Texas residents during the state’s extreme heat. HomeServe determines plan availability based on your location and utility provider, so the plans vary considerably by location.
When we requested a quote for a single-family home smaller than 5,000 square feet in Houston, we were shown plans that cover your plumbing system, electrical system, heating system, and cooling system. It’s important to note that the provider does offer classic built-in systems and appliance coverage, but these offerings are not available in all regions.
Below, you can review the plans offered in Houston and what they cover.
Gas Line Coverage ($5.49 per month): This plan covers your interior and exterior gas line up to $8,000.
Exterior Electrical Line Coverage ($5.49 per month): This plan covers your exterior electrical line up to $2,000.
Exterior Water Service Line Coverage ($5.99 per month): This plan doesn’t have a coverage cap. You can file as many claims for your exterior water service line as you need to during your plan term.
Interior Electrical Line Coverage ($6.99 per month): This plan covers your interior electrical line up to $2,500.
Interior Electric Coverage with Electric Vehicle Charger ($8.99 per month): This plan covers your interior electrical line and electric vehicle charger up to $2,500.
Cooling Tune-up ($8.99 per month): This plan covers an annual cooling system tune-up.
Exterior Sewer/Septic Line Coverage ($9.99 per month): This plan covers your exterior sewer/septic line, exterior sewer/septic line restoration, and drain cleaning.
Water Heater Repair and Replacement Plan ($9.99 per month): This plan covers water heater replacement and repairs up to $1,100.
Heating System Coverage ($13.99 per month): This plan covers your heating system up to $1,500.
Cooling System Coverage ($16.99 per month): This plan covers your cooling system up to $1,750.
Two Water Heater Repair and Replacement ($18.99 per month): This plan covers two water heaters and their repair and replacement up to $2,200.
Two Cooling System Coverage ($29.99 per month): This plan covers two cooling systems up to $3,500.
Read More
Read More: HomeServe Review
Our Recommendation
Our team carefully vetted the top home warranty companies on factors such as plan offerings, responsive customer service, and additional features—including the ability to choose your own contractor and coverage for high-end appliance brands—to determine the top home warranty companies in Texas.
Standout choices include American Home Shield for its generous coverage caps, ideal for people with big-ticket appliances and systems. If you want the option to choose your own contractor, AFC Home Club may be an ideal option.
However, whether you want protection for your 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 a quote from as many providers as possible to compare quotes and coverage options, reading each provider’s sample contract, and speaking to a company representative before enrolling in a policy.
How to Choose a Home Warranty
Based on our survey of 1,000 homeowners, we found out 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.
- Ask for recommendations from friends and family members. If you are working with a real estate agent or have loved ones who enjoy their home warranty provider, ask them what stood out about their experience and which company they suggest.
- Compare plans and contracts. Before you select a plan, read the fine print of each provider’s sample agreement and compare the limitations of each provider and the amount of coverage you can expect during your plan term.
- Determine which home warranty plans are available in your area. It’s always beneficial to request a quote from several home warranty providers and compare the plan offerings available to you in your area. For example, certain add-on options may vary depending on your zip code.
- Read the fine print: Home warranties, like home insurance, have exclusions and coverage limitations listed in their sample contracts. Carefully read a provider’s sample contract before signing up to know the coverage limits of covered systems and appliances.
- Resolve any lingering questions and concerns. During our research process, we analyzed hundreds of customer reviews, where we learned that many homeowners have misconceptions about the extent of their home warranty coverage. These misunderstandings can lead to frustration and denied claims. If you have any confusion about the coverage caps, excluded scenarios, and limitations of your policy, we recommend speaking with a customer service representative for clarity before signing up for a plan.
Frequently Asked Questions
Is a home warranty worth it?
If you’ve recently purchased a property, you may have more repair needs and workmanship concerns than a home where you’ve selected, maintained, and completed repairs yourself. Similarly, an older or 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 help homeowners streamline the repair process for their built-in systems and appliances. Rather than searching for a specialized contractor every time you need a repair, a home warranty policy allows you to file a service request for a covered item, and an already vetted, licensed, and insured contractor in your area will schedule a time to assess your broken appliance or system.
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 that 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 if you don’t know what to look for. While cease and desist orders are common in the industry, it is often due to the ambiguous regulation practices and the differences in how each state licenses its providers. In the absence of other red flags, a cease and desist order should not be an immediate cause for alarm.While we have carefully vetted each home warranty provider in this review, we recommend that you take extra care to look out 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. Reputable home warranty providers will 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.
