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Best Home Warranty Companies in Texas
By Sarah Hovarth MONEY RESEARCH COLLECTIVE
Offers a variety of discounts all year round
$60 - $75
$42 - $60
90 days
46 states, not available in NV, WI, WA, NY
Air conditioners, plumbing, heating, electrical and roof leaks
As a homeowner, you know that the major systems and appliances that make your home function cost a lot to repair. If you struggle to cover repair bills when appliances and systems fail due to normal wear and tear, consider investing in a home warranty. Home warranties make repairing your major home systems and appliances more affordable. These service contracts complement homeowner’s insurance by protecting the valuable equipment in your home that insurance doesn’t cover.
Here we’ll round up the best home warranty companies in Texas. With so many home warranty companies operating throughout the Lone Star state, choosing one may be daunting. Our picks for the best home warranty companies in Texas include reviews, ratings and policy overviews to help you choose the best possible home warranty option for your unique home.
Our Top Picks for the Best Home Warranty Companies in Texas
- Best Overall Pick: American Home Shield
- Best Responsive Service: Cinch Home Services
- Best Certified Technicians: Choice Home Warranty
- Best for Optional Add-ons: Liberty Home Guard
- Best Budget-friendly Option: Select Home Warranty
- Best for Coverage Limits: AFC Home Club
- Best Guarantee: Landmark Home Warranty
Best Home Warranty Companies in Texas Reviews
Best Overall Pick: American Home Shield
Homeowners looking to create customized coverage for their home systems and appliances should consider American Home Shield (AHS). The company offers three levels of warranty coverage and many add-on options, allowing you to customize your policy and ensure you don’t pay for coverages you won’t use. You can choose from a $75, $100 or $125 service call fee, with higher fees correlating to lower premiums. AHS covers 23 different appliances and systems, guaranteeing to replace anything they can’t fix.
American Home Shield can also be an excellent choice if you value superior customer service. AHS offers 24/7 customer assistance and availability. Round-the-clock Shield Agents can provide details about your system or appliance guard plan and guide you through the process of filing a claim. Homeowners buying their first home warranty will greatly benefit from this extra support. Check the website for attractive discounts, sign-on bonuses, and member perks like coupons for new appliances.
Best Responsive Service: Cinch Home Services
Cinch Home Warranty provides some of Texas’s best home warranty workmanship guarantees. While most home warranties in Texas will provide you with guarantees on work provided through your plan for 30 days, Cinch insures work for 180 days. If you schedule a repair for one of your home’s systems or major appliances and the item presents the same malfunction again within 180 days after your appointment, a Cinch technician will return to fix the problem at no additional cost. Cinch also protects against unknown pre-existing conditions, rust and corrosion.
Cinch Home Warranty offers three tiers of plan options, including the Appliances Plan, Built-In Systems Plan and the Complete Home Package. Each of Cinch’s plan tiers includes coverage limits on individual items, and higher-tier plans include several items considered add-ons with other providers. For example, the Built-In Systems Plan and the Complete Home plan include water heater and pool coverage. Finally, all customers enjoy coupons and discounts on new name-brand appliances.
Best Certified Technicians: Choice Home Warranty
With some of the highest consumer ratings in the business, Choice Home Warranty offers comprehensive coverage options and a single $85 service fee, which is lower than what most other home warranty companies charge. While some Texas home warranty companies outsource work based on local price and availability, Choice maintains a network of more than 15,000 contractors across the United States. Choice only partners with the best home maintenance companies in Texas, which increases the chances that the work will be done right the first time. This network might offer extra reassurance if you’ve had experience with poor contractors and shoddy repairs in the past. It can also make Choice a popular option for homeowners with historical properties that might need more experienced workers and technicians.
Choice Home Warranty offers two easy-to-understand options: the Basic Plan and the all-inclusive Total Plan. These plans include some of the most common coverages, including coverage for electrical systems, built-in microwaves and heating systems. Depending on your plan, you could pay as little as $36 for Choice coverage in most parts of Texas. The website incentivizes newcomers with a first-month free offer. They also promise policyholders the support of a dedicated team of two or three regular representatives instead of a stranger in a large department.
Best for Optional Add-Ons: Liberty Home Guard
Liberty Home Guard has the highest consumer ratings in America. If you have a uniquely modified or customized home, you might have trouble finding a home warranty provider that offers all the protections you need. Liberty Home Guard offers add-on coverages for items most homeowners don’t have in their homes, making them the best home warranty company in Texas for those with uncommon features.
With more than 30 unique add-on choices, it’s easy to see why Liberty Home Guard offers the most customizable policies on our list. Some of their most unusual add-on options include coverage for:
- Wine refrigerators
- Casita guest units
- TV mountings
- Carpet cleaning
- Window washing and cleaning
- Saltwater pools
- Generators
- Hot water dispensers
- Reverse osmosis systems
- Water dispenser water lines
Liberty Home Guard offers three plan options, and you can customize any policy with any of the add-ons listed above. Depending on your location and plan, you might find a policy for as little as $1 a day. Liberty also offers 24/7, 365-day-a-year customer service by phone or online. Check the website for valuable promotional offers and sign-on bonuses.
Best Budget-Friendly Option: Select Home Warranty
Homeowners looking for an affordable home warranty policy might want to consider buying a plan from Select Home Warranty. Select Home Warranty has a reputation for low monthly premiums. Depending on your plan and where you live, you might pay as little as $36 monthly. This price makes Select a popular option for homeowners who need immediate coverage on a budget.
While some home warranty companies allow you to choose a higher service fee to limit your monthly costs, Select Home Warranty combines low monthly prices with affordable service fees. You will pay between $60 and $75 per appointment with Select, significantly lower than what most other companies charge. While Select Home Warranty has lower coverage caps than its competitors, their pricing is undeniably budget-friendly. Customers can submit claims online 24/7 using a simple form, after which a representative will contact them with more information.
Best for Coverage Limits: AFC Home Warranty
AFC Home Club provides some of the highest home warranty coverage limits in the industry. The company offers four plan options, twice that of many other home warranty companies. The most inclusive option, the Platinum Plan, includes protections on popular systems, appliances and plumbing stoppages. AFC Home Club also offers a range of add-on choices for tankless water heaters, hot water dispensers, and other less-common systems and appliances.
AFC Home Club insures its work for Home Club members. This perk means as your home warranty is still in place, you can call for an unlimited number of replacement repairs if your contractor does a poor job the first time. Anyone who wants to protect themselves from subpar contractor work will value this guarantee. Additionally, you can choose any licensed and insured technician or utilize their nationwide network. All communication goes through an in-house team you can reach by phone, email or text 24/7. Member perks include several free programs and discounts on home security, appliances, home goods, retail and entertainment.
Best Guarantee: Landmark Home Warranty
Landmark Home Warranty goes above and beyond the workmanship guarantees found with other providers and includes a 90-day parts guarantee. If a contractor provides you with a repair that includes a part that fails within 90 days, Landmark Home Warranty will provide a replacement. While most home warranty policies only cover workmanship, Landmark’s policies extend to parts. This feature may be especially valuable to people who live in “smart homes” that require specialized repair services.
In addition to their parts guarantee, Landmark Home Warranty offers exceptionally inclusive plans. Both plans include rekeying service, which the home warranty industry usually considers a premium option. This bonus can benefit homeowners who need to change their locks upon moving in. Landmark also has a free quote tool on its website for a streamlined inquiry process.
| Company | Best at | Lowest service fee | |
| American Home Shield | Overall | $75 | See details |
| Cinch Home Services | Responsive service | $27.99 | See details |
| Choice Home Warranty | Certified technicians | $85 | See details |
| Liberty Home Guard | Optional add-ons | $65 | See details |
| Select Home Warranty | Budget-friendly options | $60 | See details |
| AFC Home Club | Coverage limits | $75 | See details |
| Landmark Home Warranty | Guarantee | $60 | See details |
Other companies we considered
When it comes to the question of the best home warranty companies in Texas, we couldn’t highlight every company doing great work. Below you’ll find some honorable mentions.
First American Home Warranty
First American Home Warranty provides a nationwide home warranty service, best known for its low-priced plan options. Depending on your location, you might pay as little as $36 for First American coverage. They offer special discounts to veterans, making First American an appealing choice for former and active service members.
Old Republic Home Protection
Old Republic Home Protection allows you to choose your service contractor when you need an appliance or system repair. This option benefits homeowners who previously received poor contractor service through a home warranty network or who prefer to use local repair companies they know and trust.
Service Plus Home Warranty
Service Plus Home Warranty offers 24/7 home warranty claim reporting and specialized plans for real estate professionals. These options make Service Plus a stronger choice for realtors, real estate agents and anyone who needs to protect multiple properties under a single umbrella.
Home Warranty of America
Home Warranty of America is one of the few home warranty companies to provide unique add-on coverages for energy-efficient appliances. This can benefit homeowners with multiple Energy Star appliances on their property.
Best Home Warranty Company Guide
Perhaps you’ve gotten advice or recommendations from friends and family members about home warranties, but you’re still unsure where to begin. If you prefer to do your own research, we’ve designed a guide to help you get started. Read on to learn about choosing a policy and what to expect your home warranty to cover.
What is a home warranty?
Home warranties make repairs to your home’s major systems and appliances more affordable. They make it much easier and cheaper to repair or replace valuable features of your home.
Home warranties are not the same thing as homeowner’s insurance. When you sign a homeowner’s insurance policy, your coverage will include a list of “covered perils.” If you sustain a covered peril to your property, the insurance company assesses the damage and pays you for necessary repairs or replacements.
Some common examples of covered perils include:
- Fires
- Burglaries and vandalism
- Electric storms
- Falling trees and debris
For example, if a fire destroys your stove, your homeowner’s insurance will provide you with money to replace it. Home warranties provide similar protections when your home’s systems or appliances break down due to normal wear and tear. While this might not sound like essential protection, keep in mind that repair bills for items like your air conditioning system or refrigerator can cost hundreds of dollars.
You’ll see sample contracts on most companies’ websites as you shop for a home warranty policy. Sample contracts include details about which systems and appliances a policy includes.
Some examples of items that might be included in your home warranty policy are:
- Washer and dryer sets
- Refrigerators
- HVAC systems
- Ovens and ranges
Most home warranty companies also provide a range of add-on options that you can use to customize your policy for an additional monthly charge. Examples of common add-ons include pools and spas, sump pumps and water heaters.
Home warranties also have coverage limits. Coverage limits are upper caps on the total value of repairs that home warranty companies will provide throughout your policy. For example, suppose your policy includes a $1,000 limit on the coverage for refrigerator repairs. In that case, you cannot claim more than $1,000 in services for the diagnosis, repair or replacement of your fridge. Any charges beyond that will have to be paid out of pocket. Be sure to review coverage limits before buying a policy.
How does a home warranty work?
When you sign onto a home warranty, your policy will include a list of terms and conditions, coverage details and when you can claim a repair or replacement. In exchange, you agree to pay a monthly fee to your home warranty provider. Be sure to review multiple policies’ terms before deciding which warranty you’d like to buy.
If one of your covered systems or appliances breaks down, you can file a claim with your home warranty company. They will review your claim and your policy to see if you qualify for an appointment. If the system or appliance in question is covered, your home warranty provider will send a technician to your home to provide a diagnosis and a repair. In exchange, you pay a small trade fee to your technician. Most home warranty policies’ trade fees are $75 to $125. Remember that this fee applies every time you schedule a repair using your home warranty. So consider this fee when you think about the full cost of your home warranty plan.
How to pick a home warranty
If you can’t find an option in this guide of the best-rated home warranty companies in Texas, continue your search online using some tips below. Unfortunately, not every home warranty company offers equally useful or affordable policies. Before you invest in any home warranty plan, be sure to consider all of the following.
Find out coverage requirements and needs
Before you search for a home warranty company, consider the most valuable systems and appliances in your home. Create a list of all the major home components you need coverage for, and note the age of each appliance or system if you know it. This step will allow you to search for plans that offer relevant coverage on items you have in your home while helping you avoid paying for coverage you don’t need.
Establish coverage needs
After compiling a list of the systems and appliances you need coverage for, determine how much coverage you want on each item. Most home warranty companies in Texas put individual coverage caps on each item covered under the policy, limiting the total value of repairs you can claim from your provider. Choosing a home warranty policy with low limits can result in a frustrating claims process.
If you have previous repair bills from your home’s major appliances, review them for an idea of how much you might expect to pay for regular repairs. You can also review average repair pricing guides online to ensure that your selected policy has adequate coverage for your needs.
Check for coverage caps
After you have a general idea of how much coverage you’ll need on each of your major home appliances and systems, compare home warranties. The best home warranty companies provide sample contracts online, but you can also request that a representative send you a sample contract.
Your sample contract includes fees, coverage limits on individual items and overall limits. Review each sample contract to narrow your choices only to include plans that have coverage limits high enough to meet your needs. Do not sign onto any home warranty policy before you understand each item’s coverage limits or before you read a sample policy.
Get a quote
Once you narrow down your list of potential home warranty providers, request a quote from each one of the companies you may want to buy from. We recommend getting a quote from every provider in our list above, as home warranty pricing may vary widely between companies. Compare pricing to the coverage limits on each plan you found earlier to make your final plan choice.
How We Chose the Best Home Warranty Company in Texas
Policy coverage
No one wants the hassle of paying for a home warranty policy all year, needing to use the coverage, and only then finding out that an appliance isn’t covered. When we reviewed the best home warranty coverage options in Texas, we looked at the specific appliances and home systems included in every plan. Companies with more inclusions and plan options scored higher than those with one-size-fits-all policy coverage.
In addition to plan inclusions, we also looked at the number of optional add-ons you could purchase from each plan provider. Companies that offered a wide range of personalization options scored higher than those that did not offer these coverages.
Overall price and additional costs
The monthly plan premium was one of the first things we considered when choosing the best home warranty companies. We requested a premium from each home warranty company and compared them directly to see which offered the most affordable pricing in Texas.
When pricing home warranty policies, remember that every company will include a service fee in its terms. Providers require you to pay your service fee every time you use your policy benefits, making it a more important pricing factor than your premium if you anticipate using your coverage often. When selecting home warranty companies to highlight, we looked for providers offering multiple service fee options. Companies that allow customers to choose their own service fees and that offer lower service fees scored higher than more expensive companies.
Company dependability and reputation
No one wants to believe a scammer could get the best of them. Unfortunately, there are many scams circulating in the home warranty industry that state and local governments have brought to light.
When selecting home warranty companies to highlight in our review, we looked at third-party review sites like Trustpilot and the Better Business Bureau (BBB). Companies with consistently positive reviews and BBB accreditation scored higher than those with lower overall scores.
Services offered and availability
Most home warranties cover numerous appliances and systems under their coverage. When choosing which home warranty companies to recommend, we reviewed a sample policy from each option considered. Companies that provided a wide range of repair and replacement service options and add-ons scored higher than those that did not.
Not every home warranty company that offers plans in Texas has availability throughout the state. Companies with a wider service area in Texas ranked higher than those that limited their policies to select areas in the Lone Star state.
Summary of Money’s Best Home Warranty Company in Texas of 2023
- The best home warranty company options in Texas include American Home Shield, Cinch Home Services, and Choice Home Warranty. We recommend American Home Shield as the best general home warranty provider for homeowners needing fast coverage.
- A home warranty is a type of protection that helps you get more affordable repairs for your home systems and appliances. Home warranties are not required by law, but may be a wise investment for some homeowners.
- Consider each plan’s premium and service fee when you consider home warranty prices. Remember that you’ll need to pay your service fee every time you use your plan’s benefits.
- Before buying a home warranty, read a sample contract from the provider. You should also get multiple quotes before choosing which company to work with.
