Updated on
June 8, 2023
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Best Home Warranty Companies In Texas
The hot Texas summers can put a strain on your air conditioner as well as other systems and appliances. Repairing your home’s most expensive stuff can be costly, but a home warranty is at your rescue to protect your wallet from unpleasant surprises. To help you get a good deal, we have reviewed and listed the best home warranty companies in Texas.
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.
The cost of appliance repairs or replacement is usually high in Texas and the maintenance differs based on the appliances. Fixing some appliances or systems could get more expensive than others without a home warranty.
Repair And Replacement Cost Of Various Appliances In Texas
In this section, we’ll take you through the average repair and replacement costs of some major systems and appliances that Texans more frequently use. Take a look:
Now that you know the home maintenance, repair and replacement costs in major Texas cities, so plan a budget for your home accordingly. However, purchasing a home warranty plan can ease your home maintenance. It will cover the repair and replacement costs of your major systems and appliances, thus an excellent investment for you!
$200 Off + 2 Months Free Coverage
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1st month free + Free roof coverage
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$150 off + Free roof coverage + 2 months free
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Best Home Warranty Companies In Texas
With several top home warranty companies operating in Texas, we have picked the best-rated home warranty companies in texas for you.
- Choice Home Warranty : Provides Bonus Services
- American Home Shield (AHS) : Best For Claims Settlement
- ServicePlus Home Warranty : Reasonable For Multi-Family Homes
- Select Home Warranty : The Budget-Friendly Option
- Liberty Home Guard : Best For Add-ons
- Cinch Home Services : Responses Within 2 hours
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Premium (Monthly)
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Coverage Limit
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Workmanship Guarantee
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Covers Pre-Existing Conditions
An existing malfunction in any system or appliance before the coverage begins on a home warranty plan refers to a pre-existing condition. A unknown pre-existing condition is one that cannot be detected during the routine maintenance/inspection or is unknown to the homeowner. To know more, you can refer to our detailed article on does home warranty cover pre-existing conditions. |
USPs
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$46-$55 | Upto $3K/item | 60-day | No | N/A | |
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VIEW MORE | $39-$60 | $4k-$5k | 30-day | Yes (Unknown) | Hvac tune-ups |
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$60-$67 | $3k/item | 90-day | No | Limited roof coverage with annual plan purchase | |
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$46-$50 | $3k/Item | 90-day | No | Free roof leak coverage | |
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$50-$60 | $2k/Item | 60-day | Yes (Unknown) | 43 Add-ons | |
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$73- $106 | $10,000 | 180-day | Yes (Unknown) | $25 credit toward A/C filters |
Best Home Warranty Companies In Texas: Reviewed
Find out more about Texas’ top home warranty companies:
Choice Home Warranty
Provides Bonus Services
4.0 / 5
Free coverage for a month + roof coverage
Choice Home warranty has been in the industry for more than fourteen years and is well-known for providing extensive coverage in 49 states, including Texas. For Texans dependable on wells for fresh water, Choice can particularly be a good option as its coverage includes well pumps at an affordable rate. It has a ‘B’ rating from BBB due to its 24/7 customer service and affordability.
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 on contractors
Plans and Coverage
Choice Home Warranty has two plans for homeowners – Basic Plan and Total Plan. These plans provide different levels of coverage for crucial home systems and appliances. Check out the exact coverage below:
Basic Plan
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, Ductwork.
Total Plan
Includes everything in the Basic Plan along with Air Conditioning System, Refrigerator, Clothes Washer, and Clothes Dryer.
$50
| $46.83 | $46.83 | Basic Plan |
|---|---|---|
| $54.75 | $54.75 | Total Plan |
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
Cost
The Basic Plan costs about $46 monthly & the Total Plan costs about $54. Apart from that, Choice charges anywhere from $75 to $150 as deductibles.
Exclusions and Coverage Limit
According to Choice’s sample contract, the limit of $3000 is set for diagnosis, repair, or replacement of covered items.
Aside from these limitations, there are other exclusions:
- Choice will not cover damages due to neglect, lack of maintenance, unforeseen circumstances, etc.
- Items with pre-existing conditions are also exempt from coverage.
American Home Shield (AHS)
Best For Claims Settlement
American Home Shield is the market leader that has been operating since 1971. It is widely known for offering exhaustive plans that cover almost all home items, plus unlimited coverage on the systems. Additionally, AHS is one of the few companies covering pre-existing conditions. These features make it a good choice for Texans, where they can include all of their major home items and get unlimited coverage.
Pros
- Offers unlimited systems coverage
- Covers undetectable pre-existing conditions
Cons
- Workmanship guarantee is just for 30 days
Plans and Coverage
American Home Shield offers three plans to customers: ShieldSilver, ShieldGold, and ShieldPlatinum. The first two plans cover systems and appliances, respectively. However, the ShieldPlatinum plan covers everything from the other two plans, plus some additional items.
ShieldSilver
Garage Door Opener, Main Breaker & Fuse Panel Box, Water Heater, Air Conditioner, Doorbell & Chimes, Interior Electrical Lines, Faucets & Valves, Interior Plumbing Lines, Whirlpool Tub Motor & Components, Built-in Exhaust, Vent & Attic Fans, Heating Unit, Washers, Ceiling Fans, Ductwork, Toilet.
ShieldGold
Everything in Shield Silver plus Refrigerator, Wall Oven/ Range/ Cooktop, Dryers, Dishwasher, Built-in Microwave Oven, Garbage Disposal, Instant Hot/Cold Water Dispenser.
ShieldPlatinum
Everything in Shield Gold, alongwith 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.
$50
| $19.99 | $19.99 | ShieldSilver |
|---|---|---|
| $39.99 | $39.99 | ShieldGold |
| $69.99 | $69.99 | ShieldPlatinum |
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
Cost
American Home Shield plans range between $19 to $70 per month with three options on deductibles: $75, $100, and $125. The more deductible you choose, the lesser premium you will have to pay.
Exclusions and Coverage Limit
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.
Apart from the exclusions, the company has coverage limitations of how much liability that company has when repairing and replacing covered items. The coverage limitations of the AHS home warranty is unlimited for systems and goes up to $6k per appliance.
ServicePlus Home Warranty
Reasonable For Multi-Family Homes
4.2 / 5
$200 off + 2 months free coverage
ServicePlus Home Warranty, earlier known as Total Home Protection, is another popular home warranty company. It provides service in most states, including Texas, and claims to offer plans at $2/ day. Texas homeowners can take advantage of this pricing and save more on home maintenance!
Pros
- Offers 90-day service guarantee
- Provides regular discounts on all the plans
Cons
- Not available in Washington and New York
Plans and Coverage
Gold
Plumbing System, Plumbing Stoppage, Water Heater, Whirlpool Bathtub, Electrical System, Oven/Range/Stove, Cooktop, Sump Pump, Built-in Microwave, Dishwasher, Garbage Disposal, Trash Compactor, Ductwork, Garage Door Opener, and Ceiling & Exhaust Fans.
Platinum
Includes everything from the Gold plan plus A/C System, Heating System, Clothes Washer, Clothes Dryer, and Refrigerator.
$50
| $43.25 | $43.25 | Gold |
|---|---|---|
| $49.92 | $49.92 | Platinum |
Add-ons:
Pool / Spa, Limited Roof Leak, Central Vacuum, Sump Pump
Cost
The Gold plan comes at the price of $43.25 / month, whereas the Platinum plan costs $49.92 / month. The price can go up or down depending on your coverage needs. Apart from the premiums, a $75 deductible must be paid during each service visit.
Exclusions and Coverage Limit
There are some exclusions which 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 act of God.
- Missing components, bug or animal damage, mildew, mold, fungus, virus-related malfunctions.
- Items declared faulty by the Consumer Product Safety Commission.
Additionally, ServicePlus has coverage limitations of $3000 for each covered item’s repair and replacement.
Select Home Warranty
The Budget-Friendly Option
3.5 / 5
$150 off + two months of free coverage + free roof coverage
Select Home Warranty, with more than a decade of experience, has established a solid reputation in the country. It offers three plans with an 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 cashbacks on multi-year plans
Cons
- Low coverage limits
Plans and Coverage
Select Home Warranty offers three plans of varied coverage, including optional add-ons. These plans are:
Bronze Care
Cooktop, Clothes Washer, Clothes Dryer, Dishwasher, Built-in Microwave Oven, Refrigerator, Garbage Disposal.
Gold Care
AC/Cooling, Heating System, Water Heater, Electrical System, Ductwork, Plumbing System.
Platinum Care
AC/Cooling, Heating System, Garage Door Opener, Ceiling Fans, Plumbing Stoppages, Cooktop, Clothes Washer, Clothes Dryer, Dishwasher, Built-in Microwave Oven, Refrigerator, Garbage Disposal, Water Heater, Electrical System, Ductwork, Plumbing System.
$50
| $45.67 | $45.67 | Bronze Care |
|---|---|---|
| $45.67 | $45.67 | Gold Care |
| $50.25 | $50.25 | Platinum Care |
Add-ons:
You can add extra coverage to your home warranty plan by purchasing the following items at a few extra dollars –
Central Vacuum, Lawn Sprinkler System, Pool, Roof Leak
Cost
Select’s pricing is different for all three of its plans. You can purchase Bronze Care, and Gold Care plans cost $45 monthly, whereas the Platinum Care plan at $50 per month. The deductibles or service fees vary for each state, usually between $60-$100.
Exclusions and Coverage Limit
The Select Home Warranty has an aggregate limit of $2k per system or appliance covered in your contract.
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.
Liberty Home Guard
Best For Add-ons
4.5 / 5
$200 off + two bonus months + free roof leak protection
Liberty Home Guard is a viable option for Texas homeowners as it covers an extensive range of home products. Apart from its three main plans, LHG’s add-on list covers 43 items, including pest control. The company claims to offer services at $1/day and is available 24/7 with the live-in-chat feature, making it easier for customers. It can be a win-win deal for Texans!
Pros
- Offers a live chat option
- Offers pest control as an add-on coverage
Cons
- Does not offer services in Washington and Wisconsin
Plans and Coverage
Liberty Home Guard has three plans for the homeowners- Systems Guard, Appliance Guard, and Total Home Guard. The coverage details of LSG’s three main plans are mentioned below:
Systems Guard
Air Conditioning, Heating, Plumbing, Electrical, Ductwork, Water Heaters.
Appliance Guard
Refrigerator, Oven, Dishwasher, Washer Dryer, Garbage Disposals, Ceiling and Exhaust Fans, Garage Door Openers, Ranges/ Ovens/ Cooktops.
Total Home Guard
Heating, Oven, Dishwasher, Refrigerator, Air Conditioning, Plumbing, Electrical, Kitchen Appliances.
$50
| $64.99 | $64.99 | Systems Guard |
|---|---|---|
| $59.99 | $59.99 | Appliance Guard |
| $69.99 | $69.99 | Total Guard |
Add-ons:
There are a number of optional add-ons that you can choose from the following list:
Pool and/or Spa Equipment, Septic System Pumping, Well Pump, Sump Pump
Cost
Liberty Home Guard plans cost $60 to $69 monthly, and if you include any optional item, annual costs for them will be $44 to $195. The company also charges a $90 deductible or service fee.
Exclusions and Coverage Limit
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 act of God.
Additionally, Liberty home warranty has annual coverage limitations and according to which diagnosing, repairing, or replacing all eligible items during your contract period is restricted to $2,000/ item.
Cinch Home Services
Responses Within 2 hours
3.0 / 5
Two bonus months or $50 Off depending on the coverage
Cinch Home Services is one of the country’s largest home warranty providers, serving over 1 million requests every year across 48 states. The company offers separate plans for systems and appliances and a combination plan comprising both.
Pros
- 180-day workmanship guarantee
- Offers a free water sensor for leak detection
Cons
- Doesn’t offer services in Alaska and Hawaii
Plans and Coverage
There are three home protection plans that Cinch Home Services offers to its customers- Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Take a look:
Appliances Plan
Washer/Dryer, Dishwasher, Freestanding Ice Maker, Oven/Range/Cooktop, Food Centers (Built-in), Microwave (Built-in), Refrigerator, Range Exhaust Hood, Trash Compactor, Air Conditioner or Water Filter Credit, Air Conditioning and Ductwork, Water Sensor.
Built-in Systems Plan
Air Conditioner or Water Filter, Credit Air Conditioning and Ductwork, Water Sensor, Attic Fan, Central Vacuum, Ceiling Fan, Electrical System, Doorbell, Garbage DIsposal, Garage Door Opener ,Instant Hot/Cold Water Dispenser, Smoke Detector, Heating System and Ductwork, Toilets, Sump Pump, Plumbing, Water Heater, Whirlpool/Jetted Tub.
Complete Home Plan
Includes everything in the Appliance Plan and Built in Systems Plan along with Homeowners Insurance Deductible Reimbursement.
$50
| $27.99 | $27.99 | Appliances Plan |
|---|---|---|
| $32.99 | $32.99 | Systems Plan |
| $39.99 | $39.99 | Complete Plan |
Add-ons:
You can purchase the following listed items as an added coverage at these extra prices:
Pool (Heater Included) , Spa (Heater Included) , Pool with Spa (Heater Included) , Septic Tank/Pumping
Cost
Cinch Home Services costs start from $27 and can go up to $39 per month. The amount that you have to pay during each service visit is $75, $100, or $150, depending on your plan.
Exclusions and Coverage Limit
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, act 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 a limit on the claims liability, which is $10,000. Each home system or appliance’s repairs and replacements will be paid up to that amount.
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-
Homeownership comes with considerable expenses, from property tax and insurance to home maintenance! According to a recent survey, 45% of Americans overlook home maintenance costs and pay hefty repair amounts later.
Plus, if you live in a place like Texas with extreme weather, you must understand that home maintenance is as necessary as other things.
Find out how important it is to get a home warranty in some of the major cities of Texas, depending on the cost of maintenance, weather conditions, etc.
Houston, Texas
One of the biggest cities in Texas, Houston is known for its cozy southern atmosphere and vibrant city life. As the city’s cost of living is rising, it has also impacted repairs and maintenance costs. The maintenance cost has gone up by over 9% vis-a-vis the previous year.
Not every homeowner can afford to match the increasing maintenance costs yearly and, therefore, it is prudent look at home warranties as an alternative.
Austin, Texas
The average cost of housing development in Austin is over $41,000, as against $5,000 in Houston and $13,000 in Dallas.
For buyers with Austin’s median income, such prices are too high, and if home repair prices are added, it’ll be a very costly affair! In such circumstances, you can take advantage of a home warranty policy and save money.
San Antonio, Texas
Extreme weather events like strong winds and downpours are a common affair in San Antonio. Such climatic conditions quicken the wear and tear of your home appliances, the brunt of which is borne by homeowners.
Especially complaints of deteriorating roofs are common in the city, which could create a big dent in the homeowners’ finances.
Fort Worth, Texas
A 2022 survey claims that living in Fort Worth has become costlier by 17%, and the hot climate is no help. It can strain your systems and appliances, especially when your air conditioner and refrigerator run nonstop in the summer.
Important appliances such as HVAC and fridge breaking down not only causes nuisance but also cause a financial burden. Many residents of Fort Worth, therefore, depend on home warranties for financial protection and peace of mind.
Other popular Texas cities, including Dallas, Waco, Corpus and Christi are offering great deals on home warranties. Enter your zip code to find out.
Important Tips To Buy Home Warranty For Texans
Home systems and appliances tend to break down more in extreme weather, and 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.
Average Rainfall27.25 inches/ Year
Average Sunlight235 Sunny Days/ Year
General Climate Conditions- Hot and Humid Summers
- Freezing Winters
Tropical CyclonesAugust – October
Texas has sweltering summers coupled with harsh humidity with an average daily high of 88 F. When the temperatures soar, many of your home appliances and systems have to work overtime to beat the heat.
Therefore, look for an affordable home warranty plan with maximum coverage of home items prone to damage in summer.
Common Home Repair Problems Faced By Texas Homeowners
Ignoring home maintenance issues can ultimately lead to significant and costly repairs. Texas homeowners must be aware of the most typical issues listed in this section. Take a look:
Electrical & Plumbing Issues
Your home's electrical systems will experience issues sooner or later as they age or if installed incorrectly. Similarly, plumbers in Texas are constantly busy fixing everything from leaky faucets to clogged toilets. Such repairs can cost you anywhere from $50 to $200.
Roofing Damages
Many Texas homeowners are unaware that their roofs require routine maintenance to continue functioning flawlessly. Due to severe weather conditions, including wind and hail, most roofs face the risk of encountering issues early on in their lifecycle.
HVAC Malfunction
Texans would not want their air conditioner to break down on a hot summer day or the heater to stop working in the middle of freezing nights. HVAC is essential in Texas due to its extreme climate and is also expensive to get fixed when not working properly.
Best Home Warranty Companies In Texas: Comparison
Look at the following table for a quick comparison between the best home warranty companies in Texas.
Company Name | Premium (Monthly) | BBB Rating | Response Time | Deductible | |
| Choice Home Warranty | $46-$55 | B | Up to 48 hours | $85 | |
| American Home Shield (AHS) | $39-$60 | B+ | Up to 48 hours | $75-$125 | |
| ServicePlus Home Warranty | $60-$67 | A | 48 hours | $75 | |
| Select Home Warranty | $46-$50 | B+ | 12 - 48 hours | $60-$75 | |
| Liberty Home Guard | $50-$60 | A+ | Up to 48 hours | $90 | |
| Cinch Home Services | $73- $106 | B+ | Same day | $100, $125, $150 |
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. We advise Homeowners to always check this website to know if a home warranty company is fraudulent or not.
Additionally, the Texas Real Estate Commission also regulates home warranty contracts under the “Texas Occupations Code Chapter 1303 Residential Service Company act.”
Bottom Line
A home warranty plan can be a great investment when done after proper research. So, we encourage homeowners to read the fine print, get free quotes, and do ample research before purchasing a home warranty in Texas.
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Frequently Asked Questions (FAQs)
Is Choice Home Warranty Licensed In Texas?
Yes, Choice Home Warranty is fully licensed by the Texas Department of Licensing & Regulation to provide services in the state.
How much does a home warranty cost?
A home warranty can cost you anywhere from $30 to $200 monthly, depending on the coverage you opt for your home, your locality, and any optional items you want.
Do home warranties have deductibles?
Yes, nearly all home warranty companies charge deductibles or service fees. This is the amount you are required to pay during each service visit. Deductibles vary depending on the company and the type of coverage you choose.
Do home warranties cover older appliances?
Some home warranty companies such as American Home Shield, Cinch Home Services, or Select Home Warranty cover both new and used appliances.
Can I cancel my home warranty?
Yes, you can cancel your home warranty contract. However, there are some rules associated with cancellation. For example, some companies charge cancellation fees, whereas some may refund all your money.
Do home warranties have coverage limits?
Yes, all home warranty companies provide coverage up to certain limits. To find the exact information about such limits, read your service agreement carefully.
Is A Residential Service Contract The Same As A Home Warranty?
Yes, a residential service contract is the same as a home warranty. Home warranty companies are also called residential service contract companies.
Homeowners Insurance Vs. Home Warranty: What's The Difference?
Homeowners insurance is a mandatory requirement for getting a mortgage. It’s an insurance policy that covers the cost of destruction and damage to the exterior and interior of a house, losses due to theft, and personal liability for accidents. On the other hand home warranty is a service contract that covers the cost of repair and replacement of home systems and appliances due to normal wear and tear.
How Do I Make A Home Warranty Claim?
To file a home warranty claim, you have to login into your customer account on the website or call up the customer support team of the home warranty company. You have to describe the problem, and the service representatives will schedule a visit from a licensed technician. The company will pay for the service if the technician determines that the policy covers the breakdown.