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Home  /   Us   /  texas
last_updated_date Updated on January 11, 2024
last_updated_date Updated on January 11, 2024
Best Home Warranty Companies In Texas 2024

Best Home Warranty Companies In Texas 2024

In Texas, extreme weather can quickly wear down home appliances and systems, costing homeowners over $3,000 annually, with costs rising by 3.5% yearly. To protect against these expenses, many Texans invest in home warranties.

We’ve curated a list of the best home warranty companies in Texas, ensuring you find the right plan to safeguard your finances.

Our List of Top Home warranty companies in texas

  • 90-day service guarantee
  • Two comprehensive plans
  • Covers 46 states
$200 Off + 2 Months Free Coverage
  • Multi-year plans
  • Same-day response on claims
  • B rating from BBB
$150 off + Free roof coverage + 2 months free
  • 30-day labor guarantee
  • 90-day parts guarantee
  • $3k dollar limits on each item
1st month free + Free roof coverage

Disclaimer: We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.

Comparison Of Top Home Warranty Companies In Texas

The graph below compares the essential parameters of Texas's top home warranty companies to offer a detailed view for our readers. Explore vital information such as plans, cost, coverage, ease of filing claims, customer service, workmanship, and customer reviews side-by-side to make an informed decision.

comparision_img_1

Best Home Warranty Companies In Texas: Detailed Review

This section presents a detailed review to offer a thorough overview of these companies. Learn more about the finer details of each company to ensure you pick a company that fits your requirements.

Choice Home Warranty:

  

(Provides Bonus Services)

Choice Home Warranty has covered over 1.9 million households over the last 14 years. It has built a network of over 25,000 contractors, with which CHW has handled over 6 million service requests.  

Choice offers a responsive customer service team that is active 24/7 to process the claims of Texan homeowners. Additionally, they offer a hassle-free digital experience with their online claim filing process.

Choice offers two plans in Texas that cover all major appliances and systems that are important for the smooth functioning of the household.

Pros

  • Provides extended coverage without extra fee for homes up to 5000 sq. ft.
  • Offers 90 days guarantee for parts

Cons

  • Doesn’t offer a choice of contractors
threehalf_star 3.7/5

1st Month Free
+
Free Roof Coverage

Premium

$46 - $55

Sevice fee

$75 - $125

Limit

Upto $3K/item

Plans and Coverage

Choice Home Warranty has two plans for homeowners in Texas – Basic Plan and Total Plan. 

  • Basic Plan includes various home systems and appliances, such as heating, plumbing, electrical, and kitchen appliances.
  • Total Plan covers everything in the Basic Plan and expensive household items such as air conditioning systems, refrigerators, clothes washers, and clothes dryers.

 

Covered Items

Budget Range

Suitable For

Roof Leak Coverage Limit

Overall Coverage Limit

Basic Plan

14 Low-Cost Homeowners looking for appliance and minimum systems coverage $500 $3000 per contract term

Total Plan

18 Moderately Expensive Homeowners seeking protection for basic and costlier appliances and systems $500 $3000 per contract term

The following table provides a detailed listing of the home appliances and systems and the coverage offered for them by Choice’s Plans:

Items

Basic Plan

Total Plan

Ductwork
Built-in Microwave
Heating System
Plumbing System
Plumbing Stoppage
Electrical System
Water Heater
Dishwasher
Cooktop Oven/Range/Stove
Garbage Disposal
Built-in Microwave
Garage Door Opener
Ceiling & Exhaust Fans
Whirlpool Bathtub
Air Conditioning System
Refrigerator
Clothes Washer
Clothes Dryer

Add-ons:

You can choose from the following add-on list to enhance your coverage.

  • Pool / Spa
  • Limited Roof Leak
  • Additional Spa
  • Stand Alone Freezer
  • Central Vacuum
  • Second Refrigerator
  • Well Pump
  • Septic System
  • Sump Pump
  • Septic Tank Pumping
Plan Exclusions 
  • CHW will not cover damages due to neglect, lack of maintenance, unforeseen circumstances, etc. 
  • Items with pre-existing conditions are also exempt from coverage.
  • Coverage is not available to commercial properties.

Cost

Choice Home Warranty’s Basic Plan starts from $46.83 monthly or $532 annually, and the Total Plan starts from $54.75 monthly or $627 per annum. Additionally, customers must pay a service call charge of $75 to $150 every time a service technician pays a visit. You can get free coverage for a month and roof coverage on annual payments.

Cost information of Choice Home Warranty plans:

Plans

Monthly

Yearly

Basic Plan

$46

$530

Total Plan

$55

$630

Editorial Take On Choice Home Warranty

Choice Home Warranty offers two plans for discerning customers- Basic Plan and Total Plan. Both plans are quite straightforward in terms of coverage options and cost. They have included most vital systems and appliances in the basic plan, while the Total Care plan includes a few more items at a marginally increased cost. 

Also, the company’s policy of allocating a maximum coverage limit of $3,000 (except for a few items such as sump pumps, septic systems, etc.) places it over the market average.  

These simple and cost-effective plans have made Choice Home Warranty a popular choice in the market.  Many customer reviews from Texas have shared similar appreciation for their coverage options, so we’ve rated CHW’s plans and cost structure a solid 4/5. 

As for the services, Choice Warranty’s pre and post-claims services have also received reasonable acclaim from user reviews. The company provides an online account center for customers to file claims digitally 24 hours a day and 365 days a year. CHW’s post-claim services are also above-par as they have over 25,000 contractors to attend to claims nationwide, among the industry’s highest.

Additionally, the contractors are expected to attend to customer complaints within 24 hours of filing the claim as per company policy. As a result of such services, we’ve rated 4/5 for CHW’s ease of filing claims, workmanship guarantee, and overall services. 

American Home Shield (AHS):

  

(The Industry Leader)

American Home Shield is a pioneer of the home warranty industry, operating since 1971. The company has used its vast experience in developing coverage options to cater to the prominent needs of Texan homeowners.

AHS offers three plans to customers for varying coverage and budget requirements- Shield Silver, Shield Gold, and Shield Platinum. They also offer options on deductibles payable- $100 and $125.

Some features that set AHS apart include offering coverage to items without considering the age, nature of installation/repair, or maintenance records.  

Pros

  • Paid out over $4 billion in claim settlements
  • Connected with over 17,000 service contractors

Cons

  • Workmanship guarantee is just for 30 days
fourhalf_star 4.5/5

Cashback, Amazon gift cards, etc. on referrals.

Premium

$29 - $99

Sevice fee

$100 & $125

Limit

$4K - $5K

Plans and Coverage

American Home Shield offers three plans to customers: ShieldSilver, ShieldGold, and ShieldPlatinum. 

  • ShieldSilver covers heating & cooling systems, electrical systems, and discounted home maintenance services with $5,000 coverage limits for systems.

  • ShieldGold covers all items from the ShieldSilver plan, kitchen appliances, and laundry appliances, offering up to $2,000 for repair or replacement per appliance.

  • ShieldPlatinum is a comprehensive plan that covers everything under ShieldGold up to $4,000 per appliance for repair and replacement. It also covers roof leak repairs (up to $1,000) and code violations & permits up to $250. Shield Premium includes free HVAC tune-up, unlimited a/c refrigerant, and code & permit violations coverage.

The table below compares the feature of the three plans:

 

Covered Items

Budget Range

Suitable For

Appliances Coverage Limit

Systems Coverage Limit

ShieldSilver

14 Low-Cost Customers looking for just systems coverage Not Covered $5,000

ShieldGold

23 Moderately Expensive Customers looking for systems coverage and minimum appliances coverage $2,000 Per Appliance Per Agreement Term $5,000

ShieldPlatinum

24 + bonus A/C Tune Up Service Expensive Customers looking for comprehensive systems and appliances coverage $4,000 Per Appliance Per Agreement Term $5,000

Refer to the table below to get a detailed view of the coverage of items under the respective plans:

Items

ShieldSilver

ShieldGold

ShieldPlatinum

Refrigerator  
Garage Door Opener
Water Heater
Wall Oven/Range/ Cooktop  
Air Conditioner
Doorbell & Chimes
Interior Electrical Lines
Faucets & Valves
Interior Plumbing Lines
Whirlpool Tub Motor & Components
Main Breaker & Fuse Panel Box
Built-In Exhaust, Vent & Attic Fans
Heating Unit
Washers
Dryers  
Dishwasher  
Built-In Microwave Oven  
Ceiling Fans
Garbage Disposal  
Ductwork  
Toilet
Instant Hot/Cold Water Dispenser  
Shingles, Tiles, And Shakes    
Flat (Non-Metal) Roofing    
Flashing    
Underlayment    
HVAC Tune-Up    
Unlimited A/C Refrigerant    
Coverage For Code Violations And Permits    
Roof Leak Repairs    

Add-ons

AHS offers the following items as optional coverage that you can purchase at an extra cost.

  • Pool or Spa        
  • Septic Pump       
  • Well pump         
  • Guest Unit           
  • Electronics Plan  
  • Roof Leak Repair
Plan Exclusions

As per the contract, American Home Shield has the following exclusions:

  • Routine maintenance, flues, venting, exhaust lines
  • Chimneys, cosmetic damage, home management systems, fire sprinkler systems, radon monitoring systems
  • Mold, bio-organic growth, rot, fungus, and pest damage

Cost

American Home Shield plans range between $27 to $87 per month with two deductible options, $100 and $125 in Texas. The higher the deductible you choose, the lesser premium you will have to pay, and vice versa. Check out the table below to know the exact pricing.

Deductible

ShieldSilver

ShieldGold

ShieldPlatinum

$125

$27.49

$47.49

$77.49

$100

$37.49

$57.49

$87.49

Editorial Take On AHS 

AHS offers three standard plans to customers for differing needs. ShieldSilver offers coverage for systems, whereas Shield Gold and ShieldPlatinum cover both systems and appliances. ShieldPlatinum is a comprehensive option made available for attaining maximum coverage. 

The plans offered by AHS are fairly straightforward and easy to understand. The ShieldSilver Plan is cost-effective as it covers 14 items at $27.49, among the market’s most affordable basic plans. 

On the other hand, the ShieldPlatinum plan covering 24 items at $77.49 comes across as a costly option. Most combo plans in the market are more affordable or have wider coverage options than the ShieldPlatinum plan. As a result, considering the positives of the ShieldSilver Plan and the improvements required for the ShieldPlatinum Plan, we rate AHS’ plans, pricing, and coverage 3.5/5 in Texas.

Regarding customer experience, AHS has received positive comments from Texans for the ease of filing claims and the subsequent repair and replacement service they offer. Their vast network of licensed contractors has helped AHS offer quick service nationwide. Therefore, we rate 4/5 for their customer service and the ease of filing claims. 

Overall, AHS has been serving Texans for many years and has made a good name for itself, as evidenced by thousands of AHS reviews we’ve received from the state. It is a viable option due to the quality of its services in Texas.

ServicePlus Home Warranty:

  

(Reasonable For Multi-Family Homes)

ServicePlus Home Warranty, earlier known as Total Home Protection, is another popular home warranty company. Although relatively new in the market, the company has built a reputation by offering affordable plans and special offers. 

It provides service in most states, including Texas, and claims to offer plans costing less than $2/ day. Texas homeowners can take advantage of this pricing and save more on home maintenance!

Pros

  • Offers a 90-day service guarantee
  • Provides regular discounts on all the plans

Cons

  • Does not allow customers to choose their technician
threehalf_star 3.3/5

$200 Off + 2 Months Free Coverage

Premium

$60 - $67

Sevice fee

$75

Limit

$3K/item

Plans and Coverage

  • Gold Plan covers a combination of 15 systems and appliances. These include a plumbing system, water heater, whirlpool bathtub, electrical system, oven/range/stove, cooktop, sump pump, built-in microwave, etc.
  • Platinum Plan offers comprehensive coverage and includes everything from the Gold plan plus five more systems and appliances!

The main highlights of the plans are listed below:

  Covered Items Budget Range Suitable For Aggregate Coverage Limit
Gold Plan 15 Low-Cost Customers looking for basic systems and appliances coverage $1,500
Platinum Plan 20 Moderately Expensive Customers looking for extensive systems and appliances coverage $1,500

The complete list of items covered in ServicePlus’ Plans are listed below:  

Items 

Gold Plan

Platinum Plan

Plumbing System
Plumbing Stoppage
Whirlpool Bathtub
Water Heater
Oven/Range/Stove
Electrical System
Cooktop
Sump Pump
Dishwasher
Built-in Microwave
Garbage Disposal
Trash Compactor
Ductwork
Ceiling And Exhaust Fans
Garage Door Opener
Air Conditioning System 
Heating System
Refrigerator
Clothes Dryer
Clothes Washer

Add-ons
  • Pool / Spa
  • Limited Roof Leak
  • Central Vacuum
  • Sump Pump
  • Well Pump
  • Septic System
  • Septic Pumping
  • Second Refrigerator
  • Stand Alone Freezer
  • Water Softener
  • Refrigerator Ice Maker
  • Free Standing Ice Maker
  • Additional A/C System
  • Additional Heating System
  • Additional Water Heater
  • Additional Garage Door Opener
  • Additional Oven/Range/Stove
  • Additional Spa
Plan Exclusions

There are some exclusions that ServicePlus Home Warranty does not cover:

  • Pre-existing conditions (known and unknown), cosmetic defects, rust, misuse, sedimentary build-up;
  • Damage due to natural calamities, lightning strikes, and Acts of God;
  • Missing components, bug or animal damage, mildew, mold, fungus, virus-related malfunctions; and
  • Items declared faulty by the Consumer Product Safety Commission.

Additionally, ServicePlus has coverage limitations of $1500 for each covered item’s repair and replacement.

Cost

ServicePlus Home Warranty’s Gold plan starts from $43.25 monthly or $619 for the annual plan, whereas the Platinum plan costs $49.92 monthly or $699 per annum. Additionally, the company charges $75 per technician visit as a deductible or service call fee. 

The monthly cost details of ServicePlus is mentioned in below table:

Gold

Platinum

$43.25/Month

$49.92/Month

Editorial Take on ServicePlus Home Warranty

ServicePlus offers two plans- Gold Plan starting at $43.25 per month and Platinum Plan starting at $49.92 monthly. The coverage of items under these plans is decent, with both plans covering 15 and 20 items, respectively. 

Items covered in the Gold Plan are basic, whereas the more expensive items, such as A/C, heating, refrigerator, washer, and dryer, are listed in the Platinum Plan. As a result, we’ve accorded a rating of 3.5/5 for the simplicity of the company’s plans. 

The price point for both plans is moderate and comparable to the market standards. The deductible of $75 per claim charged by ServicePlus is among the most affordable in the industry. But the aggregate coverage limit of $1,500 somewhat diminishes the cost-effectiveness of the plans, fetching a rating of 3.5/5 for ServicePlus’s cost structure. 

ServicePlus’s ease of filing claims and post-claim services have been generally appreciated by customers, as witnessed by the positive reviews on various platforms, including our own. The quickness in resolving claims particularly has resonated with the customers. The services of ServicePlus have received a rating of 4/5 from our editorial team.

Select Home Warranty:

  

( The Budget-Friendly Option)

Select Home Warranty has been operating for over 11 years in the industry, serving in about 47 states across the United States. They offer three plans to customers- Bronze Care, Gold Care, and Platinum Care, starting at $45.67 per month.

In addition to the three plans, Select Home Warranty offers additional free roof leak coverage, a 90-day repair guarantee, and two months of free service. Customers value their services, mainly free roof coverage, which can be very useful to Texans. 

Pros

  • Includes limited roof leak repair with each plan
  • Provides cashback on multi-year plans

Cons

  • Low coverage limits
threehalf_star 3.8/5

$150 Off + Free Roof Coverage + 2 Months Free

Premium

$44 - $47

Sevice fee

$60 - $75

Limit

$3K/Item

Plans and Coverage

Select Home Warranty offers three plans of varied coverage, including optional add-ons. These plans are.

  • Bronze Care covers our home appliances, including washers, dryers, kitchen appliances, and more.
  • Gold Care includes major home systems, such as heating, plumbing, and electrical.
  • Platinum Care is a combo plan consisting of items listed under Bronze and gold plans and garage door openers, ceiling fans, and plumbing stoppages.

The table below compares the feature of the three plans:

  Covered Items Budget Range Suitable For HVAC Coverage Limit  Appliances, Plumbing & Electrical (non-heating or cooling) Coverage Limit
Bronze Care 8 Low Cost Customers looking for just systems coverage $3,000 $500
Gold Care 6 Low Cost Customers looking for systems coverage and minimum appliances coverage $3,000 $3,000
Platinum Care 17 Moderately Expensive Customers looking for comprehensive systems and appliances coverage $500 $500

The table below presents a detailed view of the items covered under the respective plans:

Items

Bronze Care

Gold Care

Platinum Care

Cooktop
Clothes Washer
Clothes Dryer
Dishwasher
Built-in Microwave Oven
Refrigerator
Garbage Disposal
Stove/Oven
AC/Cooling
Heating System
Water Heater
Electrical System
Ductwork
Plumbing System
Garage Door Opener
Ceiling Fans
Plumbing Stoppages

Add-ons

You can add extra coverage to your home warranty plan by purchasing the following items for a few extra dollars –

  • Central Vacuum
  • Lawn Sprinkler System
  • Pool
  • Roof Leak
  • Septic System
  • Spa
  • Stand Alone Freezer
  • Sump Pump
  • Well Pump
Plan Exclusions 

Apart from the coverage limits, Select Home Warranty does not cover the following things:

  • Failures caused by abuse, rust, corrosion, improper installation
  • Known or unknown pre-existing conditions
  • All components or parts of any covered item, such as freon, crushed ductwork, lights, solar heating systems, etc.
  • Items that require repair or replacement as a result of Acts of Nature
  • Damages due to water, fire, and mold spores

Cost

The cost of Select Home Warranty’s Bronze Care and Gold Care starts from $44.42, and Platinum Care starts from $47.75 per month in Texas. Customers are also expected to pay a service call fee of $75-$100 for every visit.  

The cost details of Select Home Warranty are expressed in the table below:

Plan

Cost/Month

Bronze Care

$44.42

Gold Care

$44.42

Platinum Care

$47.75

Editorial Take On Select Home Warranty

The Bronze and Gold Care offered by Select Home Warranty covers 8 and 6 items, respectively, at $44.42 per month. Most basic plans in the market start at a lower price and cover more items than what Select Home Warranty offers. However, the company compensates for this by offering its combo plan Platinum Care at $47.75, which covers 17 items in its list.

Therefore, we think Select’s combo plan is more cost-effective than the other plans in its catalog. Considering the cost-effectiveness of this plan and the cost of the other two plans, we’ve rated the company’s plans 3.5/5.

Select Home Warranty offers a generous coverage limit of $3,000 for HVACs, comparable with the market standards. But the coverage limit for other electrical systems, appliances, and plumbing work is $500, which could’ve been better. As a result, our rating is 3.5/5 for Select’s coverage options.

The services of Select Warranty to its customers, such as ease of filing claims and post-claim services, have generally received a positive review from customers. The 60-day guarantee on workmanship offers sufficient, safe space for customers to reconnect with the service providers in case of a relapse.

Additionally, the free roof coverage option with all three plans surely offers value to the plans. This feature is handy to many households in Texas struggling with roofing issues due to extreme weather conditions. Consequently, we rate 4/5 for the pre and post-claim services Select Home Warranty offers.

Liberty Home Guard:

  

(Best For Add-ons)

Liberty Home Guard is a relatively new entrant into the home warranty industry, marking its inception in 2017. Since its inception, the company has left a positive imprint on its customer base, as evidenced by the generally positive reviews it received on most platforms from its users.

Liberty Home Guard offers three plans to customers, starting from $49.99 monthly. The USP of the company, however, is that it has one of the most elaborate lists of add-ons in the industry, with 43 items in the catalog. This allows customers more options to customize plans to a greater extent, making it a highly flexible option. 

Pros

  • Offers a live chat option
  • Offers pest control as an add-on coverage

Cons

  • Carries lower experience
fourhalf_star 4.7/5

$200 Off + 2 Months Free + Free Limited Roof Leak Coverage + Free Gift

Premium

$50 - $60

Sevice fee

$90

Limit

$2K/Item

Plans and Coverage

Liberty Home Guard has three homeowner plans- Systems Guard, Appliance Guard, and Total Home Guard. 

  • Systems Guard covers six of your major home systems.
  • Appliance Guard includes ten home appliances, such as washers, dryers, kitchen appliances, etc. 
  • Total Home Guard is a combinational plan that includes everything from the other two.

The features of the three plans are mentioned in the table below:

  Covered Items Budget Range Suitable For Coverage Limit For Plumbing, Electrical & Optional Coverage Overall Coverage Limit
Appliance Guard 9 Low-Cost Customers looking for coverage of appliances only $500 $2,000
Systems Guard 6 Moderately Expensive Customers looking for coverage of systems only $500 $2,000
Total Home Guard 15 Moderately Expensive Customers looking for a comprehensive coverage $500 $2,000

The complete coverage details of the three plans are mentioned below:

Items

Appliance Guard

Systems Guard

Total Home Guard

Dishwasher
Refrigerator
Ranges/Ovens/Cooktops
Clothes Washer
Clothes Dryer
Built-in Microwave 
Garbage Disposals
Ceiling and Exhaust Fans
Garage Door Openers
Air Conditioning
Heating
Plumbing
Electrical
Ductwork
Water Heaters

Add-ons

There are several optional add-ons that you can choose from the following list:

  • Pool and/or Spa Equipment
  • Septic System Pumping
  • Well Pump
  • Sump Pump
  • Central Vacuum
  • Stand Alone Freezer
  • Second Refrigerator
  • Limited Roof Leak
  • Water Softener
  • Re-Key
  • Additional Spa
  • Lighting Fixtures
  • Gutter Cleaning
  • Pest Control
  • Carpet Cleaning
  • Trash Compactor
  • Lawn Sprinkler System
  • Electronics Protection
  • Swamp Cooler
  • Ejector Pump
  • Ice Maker (In-Fridge)
  • Freestanding Ice Maker
  • Wine Cooler/Fridge
  • Salt Water Pool
  • Generator
  • Plumbing Fixtures
  • Grinder Pump
  • Water Dispenser Water Line
  • Instant Hot Water Dispenser
  • Reverse Osmosis Water Filter System
  • Pro-Series Refrigerator Coverage
  • Pro-Series Range/Oven/Cooktop Coverage
  • Pro-Series Dishwasher Coverage
  • Pro-Series Microwave
  • Pro-Series Washing Machine
  • Pro-Series Clothes Dryer
  • Window Washing/Cleaning
  • Casita Guest Unit
Plan Exclusions

Similar to other home warranty companies, Liberty Home Guard’s agreement also has some exclusions. It does not cover:

  • Known and unknown pre-existing conditions;
  • Electronic, computerized, or internet-based parts, vents, exhaust lines, and chimneys;
  • Cosmetic defects, glass parts, and components, any costs associated with refrigerant;
  • Construction and carpentry costs, accidents, fire, floods, water damage, electrical failure, and Acts Of God.

Cost

Liberty Home Guard’s Appliance Guard plan starts at $49.99, System’s Guard starts at $54.99, and Total Guard starts at $59.99 monthly. Customers are also expected to pay a deductible of $90 for every service visit made by technicians.

The company offers regular discounts on yearly plans for the residents of Texas, which helps bring down the cost for the homeowners.  

The costs of Liberty Home Guard plans are:

Appliances Guard

Systems Guard

Total Home Guard

$49.99/Month

$54.99/Month

$59.99/Month

Editorial Take Of Liberty Home Guard

Liberty Home Guard’s three plans, Appliances Guard, Systems Guard, and Total Guard, offer reasonable coverage to homeowners at a moderate price point. The Appliances Guard, starting at $49,99, covers 9 regular household appliances. As LHG’s basic plan option, the price point of this plan would have been more affordable with the stated coverage option.

The same is the case with Systems Guard, with the plan starting at $54.99 monthly, it covers 6 vital home systems. Although the listed systems, such as A/C, heating, and plumbing, are vital, the premium seems a bit expensive for the overall plan. 

On the other hand, LHG’s Total Guard, a combo plan, covers all items listed under the other two plans, starting at $59.99, which costs just a few dollars more than the Systems Guard plan. As a result, this could be considered a cost-effective option among all of LHG’s plans. Considering the price points and the coverage option of all these plans, we rate Liberty Home Guard’s plan 3.5/5.

As for the cost-effectiveness of LHG’s plan, the company provides a coverage limit of $2,000 for most items listed under all three plans. This limit applies to all items except plumbing, electricals, and add-ons, for which the coverage limit is $500. As these options are mediocre, we’ve rated the cost-effectiveness of the plans 3.5/5.

Lastly, the services of Liberty Home Guard are where the company has received more acclaim. The company’s customers have acknowledged the ease of using its platform and the quality & quickness of its services on many platforms, including ours. As a result, we rate the quality of LHG’s services 4/5.

Cinch Home Services:

  

(Responses Within 2 hours)

Cinch Home Services is one of the country’s largest home warranty providers, serving over 1 million requests annually across 48 states. The company offers separate plans for systems and appliances and a combination plan comprising both. 

CHS’s 180-day workmanship guarantee is the highest in the industry, which is one of the stand-out features of the company. Also, Cinch’s option to cover appliance components and parts like knobs, doors, and drawers is unique in the industry.

 

Pros

  • 180-day workmanship guarantee
  • Offers a free water sensor for leak detection

Cons

  • Lower coverage limits
three_star 3/5

$25 Credit For Filter Of A/C Or Refrigerator Unit

Premium

$38 - $66

Sevice fee

$100, $125, $150

Limit

$10K

Plans and Coverage

Cinch Home Services offers three home protection plans to its customers- Appliances Plan, Built-in Systems Plan, and Complete Home Plan. 

  • Appliance Plan covers 12 major appliances, such as washers, dryers, kitchen appliances, etc.
  • Built-in Systems Plan includes a variety of 16 home systems, including smoke detectors, water dispensers, jetted tubs, etc.
  • Complete Home Plan includes everything in the Appliance Plan and Built-in Systems Plan along with Homeowners Insurance Deductible Reimbursement

The main features of the three plans are listed in the table below

 

Covered Items

Budget Range

Suitable For

Appliances Coverage Limit

A/C & Heating Units Coverage Limit

Water Heater Coverage Limit

Appliances Coverage

12 Lost Cost Customers looking for extensive appliances coverage $2,000 - -

Built-In Systems Coverage

16 Lost Cost Customers looking for extensive systems coverage - $1,500 $1,000

Complete Home Coverage

28 Moderately Expensive Customers looking for a comprehensive combo plan covering both systems and appliances $2,000 $1,500 $1,000

The list of all the covered items under the three plans of CHS is listed in the table below:

Items

Home Appliances Coverage

Built-In Systems Coverage

Complete Home Coverage

Clothes Dryers  

Clothes Washers  
Cooktops  
Dishwashers  
Food Centers (Built-In)  
Freestanding Ice Makers  
Microwaves (Built-In)  
Ranges  
Range Exhaust Hoods  
Refrigerators  
Trash Compactors (Built-In)  
Wall Ovens  
Air Conditioning, Including Ductwork  
Attic Fans  
Ceiling Fans  
Central Vacuums  
Doorbells  
Electrical System  
Garage Door Openers  
Garbage Disposals  
Heating System, Including Ductwork  
Instant Hot/Cold Water Dispenser  
Plumbing System  
Smoke Detectors  
Sump Pump  
Toilets  
Water Heater  
Whirlpool/Jetted Tub (Built-In)  

Add-ons

You can purchase the following listed items as added coverage at these extra prices:

  • Pool (Heater Included) 
  • Spa (Heater Included) 
  • Pool with Spa (Heater Included)  
  • Septic Tank/Pumping  
  • Well Pump  
  • Premier Upgrade Package    
Plan Exclusions

The Cinch Home Services contract has the following exclusions:

  • Flues, chimney, venting, and exhaust lines, abuse, misuse, and neglect
  • Damage due to pet, pest, fire, flood, earthquake, acts of God, lightning strikes, power failure, or surge
  • Remediation due to mold, mildew, fungus, bacteria, virus, wet & dry rot, and conditions of excessive water pressure

Cinch also has an aggregate limit on the claims liability, which is $10,000. All home system or appliance repairs and replacements will be paid up to that amount in an agreement term.

Cost

Cinch Home Services’ plans start from $38.99 and can go up to $66.99 per month. The premiums depend on the service call fee you must pay during each service visit. The table below shows the exact monthly costs:

Deductible

Appliances Plan

Built-In Systems Plan

Complete Home Plan

$150

$38.99

$43.99

$54.99

$125

$47.32

$52.32

$63.32

$100

$48.99

$55.99

$66.99

Editorial Take on Cinch Home Services

Cinch Home Services has one of the most elaborate sets of plans of any company in the industry. The company’s plans cover an exhaustive range of items at a reasonable premium cost.  For instance, CHS’s Appliances and Built-In Systems Plans are basic plans, yet they cover 12 and 16 items for a premium starting at $48.99 and $55.99, respectively.

Similarly, the Complete Home Plan, a combo option, covers about 28 items for a premium starting at $66.99. This is among the most elaborate coverage options available in the market; as a result, fetching Cinch Home Warranty a rating of 4/5.

While CHS’s plans start at a reasonable premium price, the deductible or the service call fee is not entirely affordable. The company offers three options of $100, $125, and $150, which are all well above the market average.

Additionally, the coverage limit offered by Cinch is $2,000 for appliances, $1,500 for A/C Units, and $1,000 for water heaters, which is only partially cost-effective.  As a result, we rate the cost structure of Cinch Home Services 3/5.

As for Cinch Home Services’ overall services, the customers have given mixed reviews about their contractor services and claim approvals. Many comments suggest that contractors must address customer issues quickly and avoid delays, so we’ve rated the overall services of Cinch 3/5.

Repair And Replacement Cost Of Various Appliances In Texas

The cost of repairs and replacements depends on various factors such as the nature of the breakdown, the brand, age, and maintenance record of the appliance/system, the availability of the spare parts, etc. This cost is usually high in Texas! Also, fixing some home items could get more expensive than others without a home warranty. 

In this section, we’ll take you through the average repair and replacement costs of some major systems and appliances that Texans use more frequently. Take a look: 

  • Image

    HVAC

    can cost to you

    Up to $6000

  • Image

    Garbage disposal

    can cost to you

    Up to $400

  • Image

    Dishwasher

    can cost to you

    Up to $1000

  • Image

    Cooktop/range

    can cost to you

    Up to $500

  • Image

    A/C Units

    can cost to you

    Up to $7000

  • Image

    Refrigerator

    can cost to you

    Up to $1000

  • Image

    Septic Tank

    can cost to you

    Up to $6000

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    Furnace

    can cost to you

    Up to $5500

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    Microwave

    can cost to you

    Up to $400

  • Image

    Washer/Dryer

    can cost to you

    Up to $800

Yes, you may have to pay these without a home warranty if any of your home system or appliance breaks down! Not just these, homeownership comes with home maintenance too. Head to the next section to know more.

Why Should Texans Get A Home Warranty?

Home systems and appliances tend to break down more in extreme weather. Texas’s weather conditions tend to pose challenges due to its climate. The below-mentioned weather profile of Texas highlights why safeguarding your appliances and systems is essential.

AverageAverage Rainfall

27.25 inches/ Year

Average SunlightAverage Sunlight

235 Sunny Days/ Year

General Climate ConditionsGeneral Climate Conditions
  • Hot and Humid Summers
  • Freezing Winters
Tropical CyclonesTropical Cyclones

August – October

The below table talks about common issues in Texas and how home warranties can help fix them:

Conditions in Texas - Texas has sweltering summers with an average daily high of 88℉

What Happens Because Of It?

  • Added pressure on cooling and HVAC systems
  • Overheating of electrical components in systems and appliances.

What Can You Do About It?

  • Home warranties with sufficient coverage limit on HVAC will help in the event of its breakdown. Lower limits or non-coverage of these devices will leave you at risk.

  • Many appliances and systems are prone to malfunction due to overheating, such as HVAC systems, garage door openers, ceiling & exhaust fans, etc. Identifying such items at home and getting a warranty plan that sufficiently covers them is advisable.

Conditions in Texas - Average Rainfall of over 27.25 inches per annum

What Happens Because Of It?

  • Heavy rains create major challenges to the plumbing and water flow systems.
  • Issues of rusting and corrosion become increasingly prevalent due to incessant rains, especially in outdoor appliances. 
  • Excessive rains cause floods and hurricanes, which mainly cause issues with the roof.

What Can You Do About It?

  • Smaller homes in cities such as Austin, Houston, and Dallas face issues with water clogging due to the congested water flow systems. Households in clustered neighborhoods or low-lying areas should ideally include plumbing and in-home warranty coverage.
  • Outdoor appliances such as garage door openers, outdoor grills, lawnmowers, etc., risk rust and corrosion due to heavy rainfalls. Most home warranty plans cover such items as an add-on. Homes with such appliances should consider getting these relevant add-ons to their home warranty plans.
  • Roof damage is a common problem faced in most parts of Texas due to the heavy rains. A home warranty with roof coverage is recommended to protect your roof from leakages.

Conditions in Texas - The average humidity in Texas is over 70% during the summer

What Happens Because Of It?

  • Over 70% humidity is considered very heavy. Also, with humidity and moisture going hand-in-hand, it creates many problems for home appliances and systems. 
  • High moisture content can be detrimental to electronic devices such as refrigerators, washing machines, dishwashers, microwaves, and others.  
  • Excess moisture in the washers and dryers makes them less efficient.

What Can You Do About It?

  • Coastal cities such as Houston and Galveston tend to be more humid than other cities. People residing in such locations must take extra precautions to safeguard their appliances.
  • Texans spend between $200 and $1,200 on fixing their refrigerators, washers, and dryers. A home warranty with a sufficient coverage limit for kitchen appliances is advisable to avoid such financial burdens.
  • Similarly, excess moisture in dryers and washers is common in Texas, with repair costs averaging $100-$400. Including them in your home warranty coverage will be helpful.

Annual Cost Of Home Maintenance In Top Texas Cities

Check out the table below to find out how much home maintenance costs in these Texas cities.

annual_cost

Homeownership comes with considerable expenses, from property tax and insurance to home maintenance. However, most homeowners do not anticipate and prepare for the unexpected breakdown of appliances and systems. According to a recent survey, 45% of Americans overlook home maintenance costs and pay hefty repair amounts later. 

Plus, home maintenance can get as significant as other expenses if you live in a place like Texas with extreme weather. Find out how important it is to get a home warranty in the following major cities of Texas and what other customers have experienced after using home warranties.

Houston, Texas

City Profile

Houston is the largest city in Texas and the fourth-largest in the United States, with a population of over 2.3 million. 

Weather Profile

Houston has a humid subtropical climate with warm winters and hot summers. The average relative humidity in Houston is about 75%, and the average annual rainfall for Texas is 27.25 inches. This indicates that Houston experiences heavy humidity and rainfall every year. 

Economy Profile

Houston’s unemployment rate stands at 4.1%. Among the employed, people from most counties receive less than $1,300 weekly wages. Additionally, the residents of Houstons have spent over $10,110 on hidden home maintenance costs, including appliance/systems repairs and replacements.

Common Household Issues

The humid climate affects most electronic devices, such as washers, dryers, refrigerators, etc., due to high moisture content. Additionally, heavy rainfall affects the roofs and external home appliances.

Significance Of Home Warranty

Due to climatic challenges like heavy rain and humidity, appliances break down quite often in the city.

As the cost of living in the city is high, and most people make less than $1,300 per week, sudden breakdowns can become very difficult to handle financially. 


Therefore, getting a home warranty that covers the required items makes financial sense to the residents of Houston.  

Austin, Texas

City Profile

Austin is the fourth-largest city in Texas, with an estimated population of nearly 1 million. With a GDP of $194 billion, the capital city of Texas has the 22nd largest US metropolitan economy.  

Weather Profile

As in most parts of the state, Austin also experiences a scorching and humid climate. Temperatures touch close to 96℉-98℉ in summers, with over 84% humidity, which is very severe. The city also receives rainfall of over 35.5 inches per year. 

Economy Profile

Austin has an unemployment rate of 3.5%, almost equal to the national average. Of the employed, the average weekly wages of the city's residents is about $1,200. Austin’s cost of living is 9% above the state average. This explains the household expenditure of over $12,000 as hidden home costs, including home maintenance, which is one of the highest in the state.  

Common Household Issues

Kitchen appliances such as refrigerators, washers, dryers, and ovens are regularly challenged due to the severe humidity in Austin. External appliances such as lawnmowers, grills, and sump pumps also struggle to last long due to rains and heat.

Significance Of Home Warranty

  • The extreme climatic conditions in Austin takes an enormous toll on the city as Austin has the highest hidden homeowner costs of any Texas city of over $12,000. 

  • With over 39% of households earning less than $50,000 per annum, bearing such high maintenance costs can get difficult for many Austin homes.

  • Identifying a suitable home warranty plan will help the residents of Austins to lessen the financial burdens on their shoulders. 

Dallas, Texas

City Profile

Dallas is the third-largest city in Texas, and part of the fourth-largest metropolitan area in the US combined with Fort Worth, with a total population of 7.5 million. The major contributing sectors in the city include defense, financial services, and information technology. 

Weather Profile

Similar to other cities in Texas, Dallas also experiences a hot and humid climate. With an average temperature of 96℉ and 70% humidity, summers in the city can get uncomfortable for people and machines. 

Economy Profile

Dallas is home to over 17.7% population living in poverty. The city has an unemployment rate of 3.4% and a household income of around $1,100 per week. The average cost of living in Dallas is $2489, which is in the top 2% of the most expensive cities in the world.

Common Household Issues

The issues faced by households in Dallas are similar to the rest of the state. The sweltering heat and humidity threaten electronic appliances due to moisture, and heavy rains have challenged the roofs of the houses in Dallas.

Significance Of Home Warranty

  • The high cost of living in Dallas, coupled with the struggling middle-class population, makes it necessary for households to take all steps to protect their finances. 

  • Especially when the city's climatic conditions make it difficult for the systems and appliances to last long, it will be prudent for Dallas residents to invest in a home warranty.  

San Antonio, Texas

City Profile

San Antonio, the seventh-most populous city in the United States, has an estimated population of 1.5 million sprawled across 465 square miles approximately. 

Weather Profile

San Antonio has extreme climatic conditions with hot and humid suh temperatures soaring to the higher parts of 90°F. 

During winters, the mercury drops as low as 40s°F. It experiences rainfall of around 32 inches which is above the state average rainfall. It also witnesses severe weather events like thunderstorms, hail, and occasional flash floods.   

Economy Profile

About 17.6% population of San Antonio lives in poverty and about 3.4% remain unemployed. Of those who work, the median household income earned is $55,084, significantly below the national average


Homeowners typically may have to spend anywhere between $2500 for $10,000 on home maintenance annually. 

Common Household Issues

Extreme weather conditions during summer can take a toll on refrigerators, air conditioning units, freezers, etc., reducing their efficiency due to high humidity. 


Additionally, the high mineral content in the water can lead to blockages in plumbing fixtures. Not to mention, the heavy monsoons affect interior and exterior household appliances and systems. 

Significance Of Home Warranty

  • Hot and humid conditions wreak havoc on household appliances and systems. On average, homeowners in San Antonio spend around $1,000 to $2,500 annually on appliance repairs.

  • To save on these costs, homeowners can invest in a home warranty plan by paying relatively less premium costs. 

Fort Worth, Texas

City Profile

With close to 1 million population, Fort Worth is one of the most vibrant cities in the state. Situated in North Central Texas, it is one of the largest in terms of area, with a land parcel of 349 square miles. 

Weather Profile

The city experiences hot summers, with August being the hottest month and temperatures touching 95℉. Winters are typically mild, with temperatures ranging between 38℉-58℉. Fort Worth experiences mild showers throughout the year.

Economy Profile

The median household income is $61,797, which is below the national average, and weekly wages disbursed approximately $1053. The city has below national-average employment rate of 3.4%, with job growth projected at 41.5% over the next decade. 

Common Household Issues

The hot climate of Fort Worth causes strain on several appliances, such as washing machines, refrigerators, and AC units, causing frequent breakdowns and efficiency issues. 


Approx 30% of Fort Worth homeowners have said to experience appliance breakdowns in the past year, with the cost of appliance repair ranging between $150-$300. 

Significance Of Home Warranty

  • A 2022 survey claims that living in Fort Worth has become costlier by 17%. With current home maintenance costs amounting to an estimated $20,000 per annum, these bills are expected to rise. 

  • Investing in a home warranty with generous coverage limits and extensive plans can help reduce these out-of-pocket expenses. 

Compare Best Home Warranty Companies In Texas

Purchasing a home warranty plan can ease your home maintenance and cover repair and replacement costs, making it an ideal investment. Look at the following table for a quick comparison between Texas’s best home warranty companies.

Home Warranty Regulations In Texas

In Texas, as per the 2005 Residential Service Company Act, home warranty companies are licensed and regulated by the Texas Department of Licensing and Registration (TDLR). The Department oversees Texas’s licensing, regulation, state laws, and complaint services. 

Texas homeowners should always check whether TDLR licenses the Home Warranty Company they have selected. This way, it is easy to spot a scammy business. If you are a Texan and think your home warranty company has violated the contract, you can submit a direct complaint on the TDLR website.

Additionally, the Texas Real Estate Commission regulates home warranty contracts under the “Texas Occupations Code Chapter 1303 Residential Service Company Act.”

Bottom Line

No matter where you live in Texas, you can find a suitable option to protect your home items. Read reviews, ask for free quotes, and thoroughly go through the fine print to pick a plan that works for you!

Frequently Asked Questions (FAQs)

How soon can you use a home warranty after purchase?

You can start filing claims and using your home warranty once the waiting period has ended. Most companies have a waiting period of 30 days. 

Who Is The Number 1 Home Warranty Company In the USA?

The market leaders are American Home Shield, Choice Home Warranty, and ServicePlus. Their plans are comprehensive and reasonably priced, and they claim to offer services within 48 hours!

What Is The Average Cost Of A Home Warranty In Texas?

In Texas, you can find home warranty plans ranging from $17 to $77, depending on the levels of coverage. 

What's The Difference Between a Home Warranty And Home Insurance?

Often used interchangeably, home warranty and home insurance are two different contracts. A home warranty covers repair and replacement costs of home items that break down due to wear and tear. Home insurance pays for the structural damages that occurred due to natural calamities.

Is A Home Warranty Worth It In Texas?

A home warranty in Texas can be worth your money if you need extra protection for your home systems and appliances prone to malfunctions.

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