Best Home Warranty Companies in Texas (2021)

By Kelly Boyer Sagert

As one of the largest states in the nation with a population just over 29 million, Texas has quite a few homeowners. Living in Texas can give you changes in seasons, access to lots of land, and for some people, proximity to the beach. Although living in Texas can be great, there are plenty of issues that can come up when owning a Texas home.

If you have been considering purchasing a home warranty for your Texas home, we have all the information you need. In our guide, you will find out:

  • The best home warranties in Texas
  • Why homeowners need a home warranty 
  • How to choose the best home warranty for your Texas home

A home warranty is a plan that will protect a homeowner from the expenses associated with repairs of home systems and appliances. The home warranty can help Texas homeowners have greater peace of mind about their budgeting and their ability to keep their homes in working and livable condition. Whether you are new to homeownership or have been a homeowner for 40 years, it still pays to find the best home warranty companies on the market. If you need a bit of guidance and direction to pick out your Texas home warranty, keep reading. 

Texas Top 5 Home Warranty Companies

To determine the top 5 home warranty companies in Texas, we researched and reviewed over 60 different choices. The companies were compared by analyzing the pricing, service fee, plan options, the number of years in business, add-on options, customer service, BBB rating, and more. This is how the top five Texas home warranties performed:

  1. Choice Home Warranty: Best Overall 
  2. American Home Shield: Best Customizable Plans 
  3. Select Home Warranty: Most Cost-Effective Plans 
  4. Liberty Home Guard: Most Trustworthy 
  5. First American Home Warranty: Best Appliance Coverage 
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty Select Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard Liberty Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
First American Home Warranty First American Best Appliance Coverage Basic Plan: $38/month

Premier Plan: $48.50/month

$75-$100 37 B+

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty in the state of Texas. Choice has been in business for more than 13 years and has been able to maintain a BBB rating of B. When you start doing more research into home warranty policies, you will see that this is a very good rating. Choice is a very easy company to work with, and their plans have less fine print than any other company on the market. In addition, the plans are available in a wide range of states, so the transferability of the policy is relatively easy. 

The Choice Home Warranty company has two plans to choose from. Unlike other companies that will have you choose between systems, appliances, or combo plans, Choice offers two combo plans. Each of the plans comes at a very fair price and will allow for some add-on coverages to fit the needs of your Texas home. For things like a central vacuum or a swimming pool, you will have the ability to add coverages to your plan. 

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

The Choice Home Warranty service fee is $85. This is the fee paid each time that you need a repair of a system or appliance. The $85 is fair, and there is a 90-day guarantee of all repairs as part of the Choice plan. Overall, people are impressed with the affordability of Choice Home Warranty. 

Purchasing a home warranty can be a complicated and overwhelming process. If you are tired of trying to compare and analyze this decision, Choice Home Warranty will make things relatively simple. In addition, your Texas home will stay well protected.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is the most customizable home warranty plan in Texas. There are quite a few new neighborhoods in Texas with custom homes that have high-end appliances and systems. With an American Home Shield plan, you can customize both the plan and the payment options to fit the specific needs of your Texas home. With more than 50 years in the business and a BBB rating of B, American Home Shield is one of the most trusted home warranty companies on the market. 

There are three American Home Shield plans to choose from. One plan will cover just the systems in your home, and the two other plan choices are combination or comprehensive plans. American Home Shield has a very low claim denial rate, and they are good about fixing any issue that can come up with your covered systems or appliances. In addition, there are quite a few add-on choices to help ensure that the entire home is adequately protected. 

Some of the add on coverage that you can get with American Home Shield can include:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month* Price Per Year*
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

* Prices based on $100 service fee

American Home Shield offers Texas homeowners the chance to choose their own service fee. This means that you can adjust the price of your monthly home warranty plan to be higher or lower and allow for a service fee of  $75, $100, or $125. This is just another reason that American Home Shield wins the most customizable Texas home warranty. 

The American Home Shield warranty is one of the most premium choices that you can pick for your home. With the great coverage options, impressive workmanship, and history in the business, AHS is an option for all Texas homeowners to consider.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839

For more information, read our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

The Select Home Warranty is the most cost-effective option for Texas homeowners. The Select Home Warranty plan is cost-effective not just because its pricing is fair but because they do a great job of helping Texas homeowners repair their home systems and appliances. The list of coverage that you get with Select is quite extensive, and they include free roof leak coverage with each policy. Select Home Warranty has almost ten years of experience in the home warranty industry, and its service technicians are highly trained. 

Select Home Warranty offers three plans for Texas homeowners. One plan is a systems plan, another an appliance plan, and then a combo or comprehensive policy. Many Texas residents go with the combo policy because it is just a few dollars more per month but includes all of the coverage from the appliance and systems plans. Select Home Warranty also offers quite a few optional coverage choices. With the fair pricing of the basic plans adding these coverage options could be a really smart choice. 

The add ons or options coverages from Select Home Warranty include:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care $52.00 $579.99
Platinum Care $58.00 $649.99

One of the things that really makes the Select home Warranty plan stand out is the low service fee. The service fee is $60, which is sometimes less than half of other home warranty companies in the industry. With the pricing this low, even if you have a few repairs in the course of a month, you will still not spend all that much. 

Deciding to purchase a home warranty for your Texas home can be a tough decision. As homeowners, there is always another expense that needs our attention. However, with the fair pricing and great coverage options of Select Home Warranty, the decision to purchase a plan should be quite a bit easier.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

For more information, read our Select Home Warranty Review.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is the most trustworthy home warranty in Texas. It takes a lot to gain the trust of thousands of customers in just two short years on the market. Everything about the way that Liberty Home Guard has put their company together and continue to run the company has proven they are very good at the home warranty industry. This is the only home warranty company with a BBB rating of A and tons of positive customer reviews to back it up. Overall, Liberty Home Guard does a great job of covering issues that come up in your home and allowing for a much better experience with your home warranty company. 

The three Liberty Home Guard plans include the Appliance Guard, Systems Guard, and Total Home Guard. The Total Home Guard happens to be the most popular plan; although it is priced just a bit higher, it has better overall coverage of both systems and appliances. In addition, Liberty Home Guard has some of the most extensive add-on coverage that you will find on the market. These options will help you get a plan that specifically fits your Texas home. 

The add on coverage from Liberty Home Guard is one of the most extensive in the industry and includes things like:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

The Liberty Home Guard service fee is $60. This is one of the lowest on the market. When compared with the slightly higher monthly costs, the overall yearly cost for the plan could end up being relatively even. Overall for the value, people are happy with what Liberty Home Guard provides. 

If you like modern companies that can incorporate new technology and improved customer service, you will enjoy what Liberty Home Guard has to offer. Texas homeowners should take advantage of the fact that Liberty is offered in their state and get a quote for a home warranty plan.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

Read our Liberty Home Guard review for more information.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is the best home warranty for appliance coverage in Texas. Some homeowners have knowledge of the systems in their homes and feel confident that they can make repairs or improvements. However, appliances can be tricky, and having a tremendous appliance-only warranty in place is a smart choice. The First American Home Warranty has been on the market for more than 37 years, and it is known for its impressive customer service and affordable policy options. 

With only two plan choices, your options are a bit more limited with First American Home Warranty. However, if you want to add just a few systems to your appliance plan, you can do so with the additional coverage options offered. Remember that to have central air conditioning coverage on your Texas home; you will need to add in the extra coverage. In addition, the First Class Upgrade is a choice that has left many Texas homeowners feeling even more protected by the plan they have in place. 

The optional coverage choices from First American Home Warranty includes:

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool/Spa equipment
  • Well pump
  • Septic/septic tank pumping
  • First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)
Plan Price Per Month Price Per Year
Basic Plan  $38 $420
Premier Plan $48.50 $526

The service fee with the First American Home Warranty plan is $85. This is about average for a home warranty plan; however, the monthly Basic appliance plan is an overall lower cost, helping FIrst American be an excellent deal. 

If your Texas home has a lot of great appliances and the thought of having to pay for repair or replacement of these appliances keeps you up at night, then choosing the First American Home Warranty is likely a very smart idea. 

First American Home Warranty charges an $85 service fee which is the same as our top provider Choice Home Warranty; this is relatively fair considering the lower pricing of the appliance plan.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164

For more information, read out First American review.

Texas Home Warranty Buying Guide

Now that you have the five best home warranties in Texas, you will have to narrow this down a bit further and choose the best plan for your home. There are several factors that you should consider when deciding on a home warranty plan. Three of the most important are plan type, additional coverage options, and service fees. 

  • Plan Type: Most companies offer an appliance plan, a systems plan, and then a combo or comprehensive plan. The comprehensive plans tend to cost a bit more money, but they often give you the best coverage when it comes to unforeseen circumstances. 
  • Additional Coverage Options: The more additional coverage options a company has, the easier it is for you to find a plan that matches your home. Look for add-on coverage, including swimming pools, spas, and even sprinkler systems. 
  • Service Fees: The service fee is what you will be charged each time you need a repair on a system or appliance. It is smart to look for a plan that has a workmanship guarantee on repairs; this can keep you from having to pay extra service fees. 

Top Home Maintenance Problems in Texas

Texas can experience a wide range of weather and temperature changes. Living in Texas typically means that your home is going to be exposed to quite a few conditions throughout the course of a year. Between outside influences and the normal wear of the homeowner’s systems and appliances will end up having issues and breaking down. A few of the issues you will see include electrical system outages, HVAC breakdown, and water heater malfunctions. Let’s take a look at these issues and how your home warranty can help. 

  • Electrical System Outages: The electrical system is what keeps your home up and running at all times. If there is a short in the wire or something does not flow properly from one room to another, all other systems and appliances could be in danger. Having coverage of electrical system outages will help you save both time and money. 
  • HVAC Breakdown: Texas is quite warm in the summer. If the HVAC happens to go down, the price for repair and replacement in the middle of the season can be extensive. With a home warranty in place, you will only be responsible for your service fee. 
  • Water Heater: A home water heater tends to get quite a bit of use. When the water heater goes down, there are no more hot showers, and this is a problem that needs to be fixed quickly. Most water heaters are relatively simple in design and just need a quick repair; however, without a warranty, this could cost you hundreds of dollars. 

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Tips for Buying a Home Warranty in Texas

When it comes to selecting a home warranty, geographic location and climate are some of the first factors to consider before moving on to compare pricing and plan details. The Lone Star State varies in climate from the subtropical eastern region to the dry western area to the continental climate in the great plains region, so selecting the right plan can very depending on where your property is located.

It’s important to know that home warranty plans are NOT the same thing as homeowners insurance. Homeowners insurance policies cover damages from most natural disasters, however, a home warranty plan does not. So, while Texas is the state that is more susceptible to tornadoes and tornado damage, it’s important to note that home warranties will not cover those repairs and replacements.

Normal wear-and-tear of your homes appliances and systems is completely covered by home warranties. When you go through your service contract,  you’ll see what exact items are covered, what parts are included, and the coverage cap for overall damages. Home warranty providers most often do not cover incorrectly installed items or improperly maintained items, such as rust on your water heater.

In case you live in a city located in western Texas, like El Paso, Lubbock, Amarillo Midland or Abilene, the best home warranty company for you would be Choice Home Warranty or American Home Shield, as they offer expansive coverage with years of industry experience.

These top service companies have a robust network of contractors that make sure your claim will be filled with experienced service professionals that are well-trained and knowledgeable when it comes to fixing your Texas home. These companies offer excellent coverage and plans, topped with easy claims processes and a slew of add-on options. Both CHW and AHS have great air conditioning coverage which will be essential when living in hot and dry areas like western Texas. El Paso and Waco have had record-breaking temperatures of 115º Fahrenheit, so the necessity for good working HVAC systems is no joke.

Beyond the usually-covered items like heating systems, electric systems, refrigerator, air conditioner and more, CHW and AHS offer additional coverages that will be essential to Texas homes such as septic system, well pump, and pool and spa coverage—which will certainly come in handy on the event your pool needs repairs on one of those hot summer days.

If you live in central Texas in big metropolitan areas like Houston, Dallas, San Antonio, Fort Worth, Round Rock or near the capital, Austin—just use the provided list above of the best of home warranties in Texas. Compare all costs, coverage, add-ons, and more in order to find the home warranty that suits your home’s needs.

If you don’t feel like an expert on home warranties yet, don’t worry. You can read the relevant reviews for home warranty in Texas to get a holistic idea of what each company provides.

See the best home warranty companies in your state

AlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyomingDistrict of Columbia
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Conclusion

Hopefully, you feel a bit better about the home warranty choices available to you on the market. Texas homeowners are in great shape as far as warranties are concerned. All five of these top choices have impressive histories and backgrounds, and they stand behind their warranty. The Choice Home Warranty stands out as the best overall choice because of its comprehensive coverage, fair pricing, and overall ease of use. Don’t be afraid to contact multiple companies to get a proper quote, the more you can ensure you have purchased the right plan, the easier it will be to keep that plan in place year after year.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

Frequently Asked Questions About Texas Home Warranties

How Much Does A Home Warranty Cost In Texas?

A Texas home warranty can cost anywhere from $40 to $80 a month. The higher-priced plans tend to have more coverage, a lower service fee, and higher coverage limits. Some policies allow you to adjust your plan’s pricing so that it works best for your Texas home. 

What Is Typically Covered Under A Home Warranty?

A home warranty will cover repair and replacement costs for systems and appliances in a home. The home warranty will cover these systems and appliances up to the coverage limit included in the plan. Home warranties will not cover intentional breaking of an appliance or something that happened as a result of a pre-existing condition. 

What Is The Best Home Warranty Company In Texas? 

The best home warranty company in Texas is Choice Home Warranty. Choice offers a great mix of affordability, coverage options, and impressive customer service. In addition, Choice is known for taking on homes that have older appliances or systems. Choice Home Warranty has more than 13 years in the industry and does a great job of helping Texas homeowners keep their homes in excellent condition. 

Will A Home Warranty Company Cover Replacement Costs?

A home warranty company will cover replacement costs depending on the limits of your plan. With higher limits, you may have more money to put towards your home warranty replacement costs. Most plans would cover replacements and repair, especially if the issue was created due to normal wear.

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Select Home Warranty Review: What You Need to Know (2021)

Select Home Warranty reviews tout its comprehensive coverage at an affordable price. Learn more about Select's plans, low prices, and fast claims process here.

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