Best Home Warranty Companies in Texas (2022)

A home warranty can provide Texas homeowners with peace of mind that their finances are protected from the cost of repairing or replacing household appliances and systems when they fail due to normal wear and tear.

House Method’s research team has sorted through the top home warranty providers in Texas to help you find the ideal fit for your home. We’ve gathered custom quotes for major cities, from Dallas to Houston, and pinpointed companies with fair pricing, superior coverage, and transparent contract details. 

Cities across the Lone Star state vary in climate, from the subtropical eastern region to the dry western areas, to the continental climate of the Great Plains. Selecting the right home warranty coverage for your home will largely depend on the appliances and systems you wish to prioritize respective to where your property is located.

Whether you are new to homeownership or have been a homeowner for many years, it still pays to get a policy from one of the five best home warranty companies in Texas.

The Best Home Warranty Companies in Texas in 2022

1. Choice Home Warranty: Best Overall
2. Select Home Warranty: Most cost-effective plans
3. American Home Shield: Best customizable plans
4. The Home Service Club: Quickest service
5. Liberty Home Guard: Most trustworthy

Compare the Best Home Warranties in Texas

Choice Home Warranty

• Our Take: Best Overall

• Average Annual Cost: $560 – $660

• Response Time: Up to 48 hours

Our experts rated Choice Home Warranty a 4.9 out of 5 stars and awarded the company the “best overall” home warranty in Texas. CHW is the best home warranty company because of its affordable yet value-based policy options, its 90-day comprehensive work guarantee, 24/7 customer support teams, and consistent and quality coverage across the US.

Choice Home Warranty (CHW) offers the overall best home warranty coverage in the state of Texas. Choice has been in business for more than 14 years and maintains a B rating with the Better Business Bureau (BBB). It has remained a leader in the home warranty space for cost-effective premiums and dedication to quality customer service. CHW’s plans are available in 49 states, so transferring your policy is easy if you ever move out of Texas. 

Pros and Cons

✓ Doesn’t require an initial home inspection or previous maintenance records for sign-up

✓ Includes a 90-day guarantee on all repairs 

✓ Allows the 30-day waiting period to be waived if proof of a previous home warranty is provided with no coverage lapses

✓ Offers 24/7/365 claims processing and customer service

X Standard plans are not customizable

Plans and Pricing

Though CHW’s coverage only spans two base plans — Basic and Total — both offer combined protection for your home’s essential appliances and systems. One of the best things about Choice Home Warranty is that its annual coverage caps are quite high. These maximums for many covered systems and appliances reach up to $3000 per item. The nonadjustable service fee associated with either of Choice’s plans is $85. 

Here’s a detailed look a Choice Home Warranty’s coverage:

• Basic Plan ($45 per month): The Basic Plan covers 14 items, including plumbing systems, plumbing stoppages, ceiling fans, cooktop exhaust fans, electrical systems, heating systems, ductwork, garbage disposals, built-in microwaves, dishwashers, ovens, garage door openers, toilets, and water heaters. 
• Total Plan ($53.33 per month): This comprehensive plan covers all 14 items in the Basic Plan, plus clothes washers/dryers, refrigerators, and air conditioning. The full-scale coverage that this plan level provides, especially for air conditioning, makes this the best policy option for Texas homeowners. 

Additional Coverages

Alongside its standard coverage, Choice Home Warranty also offers nine optional plan add-ons, including: 

• Roof leak repairs (for single-family homes only)
• Central vacuum
• Septic tank pumping
• Septic systems (does not includes leach lines, field lines, or lateral lines)
• Sprinkler systems
• Well pumps
• Sump pumps
• Pool and spa (for in-ground set-ups only)
• Standalone ice-makers and second refrigerators
• Trash compactors

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.

Select Home Warranty

• Our Take: Most cost-effective

• Average Annual Cost:  $630 – $699.99

• Response Time: Up to 48 hours

We rated Select Home Warranty (SHW) a 4.8 out of 5 stars and found it to be the most budget-friendly option for Texas homeowners according to our rating methodology. SHW is the most cost-effective home warranty because of its industry-low service fee of $60 which is over $16 under the average, and it offers high coverage caps of $2,000 on items like HVAC.

SHW’s plans are not only extremely affordable because of their fair pricing but also because they help their customers access quality repair work for their home appliances and systems from the start, so repeat servicing is rarely necessary. The list of inclusions you get with Select is quite extensive, and they also include free roof leak coverage with each policy. 

Pros and Cons

✓ Over a decade of experience in the home warranty industry

✓ Up to $400 in annual roof coverage included for free with any plan level

✓ Policyholders who pay annually rather than monthly will receive two free months of coverage

X Lower coverage caps on some appliances and systems

X 30-day workmanship warranty is significantly less than competing providers

Plans and Pricing

Select Home Warranty has three plans for its customers to choose from. The Bronze Care option is an appliance plan, whereas the Gold Care level is a systems-only plan. The Platinum Care plan — SHW’s most comprehensive coverage level –is a combo policy with the best overall coverage for Texas homeowners. Coverage caps from Select Home Warranty are slightly lower than average —  in the $200 to $500 range — which is how it’s able to offer such low monthly prices. The service fee from Select Home Warranty is also one of the lowest you’ll find industry-wide at $60 per appointment. 

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Care ($58 per month): The Bronze Care plan covers eight major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens/stoves, garbage disposals, and cooktops. 
• Gold Care ($57.67 per month): The Gold Care plan only offers coverage for six major home systems, specifically air conditioning, ductwork, electrical, heating, plumbing, and hot water heaters.  Some coverage caps are as high as $2,000 with this plan. 
• Platinum Care ($62.08 per month): The Platinum Care plan is the all-around best option from Select Home Warranty because it covers a mix of 16 systems and appliances. The difference in pricing from the first two plans is just a few dollars more per month for double the coverage. 

Additional Coverage

For up to 30 days after the purchase of your standard coverage, you can add the following additional coverage riders to your SHW policy:

• Central vacuum
• Lawn sprinkler systems
• Septic systems
• Built-in ice-makers (does not cover freestanding ice-makers, dispensers, valves, or water lines)
• Pools and spas
• Standalone freezers and second refrigerators
• Sump pumps
• Well pumps
• Plumbing fixtures (including showerheads, faucet filters, shower arms, etc.) 
• Light fixtures (including smoke detectors, outlets, electrical switches, fluorescent fixtures, etc.)

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

For more information, read our Select Home Warranty Review.

American Home Shield

• Our Take: Best customizable plans

• Average Annual Cost: $527.88 – $711.88

• Response Time: Up to 48 hours

American Home Shield (AHS) offers a level of customizability in its home warranty plans that no other provider in Texas can currently compete with. We rated AHS a 4.7 out of 5 stars as the most customizable home warranty in the industry because it gives the policyholder the ability to choose their service fee of $75, $100, or $125 and allows for more flexibility in monthly and annual payment costs.

Founded in 1971, AHS is one of the oldest home warranty providers on the market, with more than 50 years dedicated to protecting over two million homes nationwide. With AHS, customers can personalize their plan, service call fee, and payment options to meet to specific needs of their Texas home.  

Pros and Cons

✓ Customers can choose from three service call fees ($75, $100, or $125)

✓ The oldest home warranty provider with over 50 years of experience

✓ Covers items damaged by improper installation and undetected pre-existing conditions

X Higher premiums than competing providers

X Customers can’t choose their own contractor

Plans and Pricing

American Home Shield has three standard plan options available to Texas homeowners:  ShieldSilver (a systems plan), ShieldGold (a basic combo plan), and ShieldPlatinum (a comprehensive combo plan). Any of these plans can be purchased as-is or further customized to better fit your coverage and budget goals. AHS also allows policyholders to choose a service fee of $75, $100, or $125. The higher your service fee, the lower your monthly or annual premium will be, and vice versa. The monthly premiums listed below are based on the $100 service fee. 

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver ($34.27 per month): ShieldSilver covers 14 home systems, including ductwork, air conditioning, heating, smoke alarms, electrical systems, water heaters, plumbing, doorbells, garage door openers, and more. Most of the systems on this plan include coverage caps of around $2500. No general appliances are included in this level.
• ShieldGold ($44.27 per month): ShieldGold covers 23 home systems and appliances, including those offered in ShieldSilver plus clothes washers, clothes dryers, dishwashers, built-in microwaves, ovens, and refrigerators. ShieldGold is one of the most popular plans in Texas because it has both system and appliance coverage for a fair value.
• ShieldPlatinum ($64.27  per month): ShieldPlatinum is one of the most deluxe home warranty plans in Texas. This policy level includes a list of 27 home systems and appliances with an annual coverage cap of $6,000 per item. AHS also throws in one free annual HVAC tune-up, unlimited A/C refrigerant, roof repair coverage, and $1,500 per year for code violations and permit coverage.

Additional Coverage

You can maximize your home warranty coverage through AHS with the following plan add-ons:

• Electronic extended warranty (includes an unlimited number of devices including TVs, tablets, laptops, home theater systems, smart home features, and more)
• Guest units (up to 750 square feet)
• Roof leak repairs
• Pools and spas (does not include above-ground or portable pools)
• Well pumps
• Septic pumps (only includes sewage ejector pumps and mainline stoppages)

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

For more information, read our American Home Shield Review.

The Home Service Club

• Our Take: Quickest service

• Average Annual Cost: $650 – $800

• Response Time: Within 24 hours

According to our methodology process, our team rated The Home Service Club (HSC) 4.6 out of 5 stars and named it the “quickest coverage” for a Texas home warranty. Along with buyer and seller-specific plan options,  HSC doesn’t require an initial home inspection for new members and has a short waiting period of only ten days before your coverage is active. Compared to the 30-day waiting period enforced by competing providers, a policy through HSC can ensure your home systems and appliances are protected even before you move in. 

Founded in 2008, HSC is a Texas favorite for its straightforward sign-up process and same-day claim processing. This provider is a great option for new homebuyers who are in the process of or recently purchased a home in Texas.

Pros and Cons

✓ Covers major appliances and systems of all ages, makes, and models

✓ Offers real estate home warranty plans specifically for homebuyers and sellers

✓ Gives customers an additional $125 plus one month of free coverage when they opt to pay annually

X No basic or cheap plan option

X Has a minimal selection of only five coverage add-ons

Plans and Pricing

The Home Service Club has two primary policies for homeowners: the Standard Coverage plan and the Comprehensive Coverage plan. Customers who choose Comprehensive Coverage for their home will be covered for 15 more items than the Standard Coverage plan for just $12 more per month. HSC’s coverage caps are slightly more generous than the industry average, varying between $500 and $2,500 depending on the item. We noticed that, in turn, its plan are slightly more expensive than competitors’. HSC offers three service fee options of $60, $75, or $95. The fee you select will impact your monthly or annual premium. 

Here’s a detailed look at The Home Service Club’s coverage: 

• Standard Coverage ($50 per month): The Standard Coverage plan is the most basic option from The Home Service Club. There are 18 covered appliances and systems, including air conditioners, ceiling fans, water leaks, water heaters, electrical systems, central vacuums, dishwashers, refrigerators, trash compactors, ovens, etc.  
• Comprehensive Coverage ($62.90 per month): The Comprehensive Coverage plan is a beefier version of its Standard Coverage, built-out to include 13 more items. These added features include gas leaks, ductwork, sump pumps, pest control, doorbells,  smoke detectors, alarm wiring, telephone wiring, plumbing stoppages, attic fans, whole-house fans, hot/cold water dispensers, and jetted bathtubs.

Additional Coverage

For extra coverage, HSC customers can add the following ten optional riders to their main policy:

• Utility line coverage (includes outside water lines, gas lines, sewer lines, electric lines, grinder pumps, and sprinkler systems)
• Pools and spas
• Roof leak repairs
• Standalone freezer
• Refrigerators with dual compressors (includes built-in fridges and fridges with top freezers, bottom freezers, and french doors) 
• Jetted bathtubs
• Sewage ejector pumps
• Well pumps 
• Water softener (covers single and twin units)

To get a free quote from The Home Service Club, fill out this online form.

For more information, read our The Home Service Club Review

Liberty Home Guard

• Our Take: Most trustworthy

• Average Annual Cost: $700 – $799.99

• Response Time: Within 24 hours

We awarded Liberty Home Guard (LHG)  the “most trustworthy” home warranty company in Texas and rated it a 4.5 out of 5 stars according to our review standards. It takes a lot to gain the trust of thousands of customers in just five short years on the market. LHG is the only top home warranty company with an A rating from the Better Business Bureau (BBB) and a long track record of positive customer testimonials as supporting proof of transparency and trustworthiness. 

Founded in 2017, LHG has continued to impress real customers and other home warranty industry professionals with its strong commitment to customer service and low likelihood of claim denials. 

Pros and Cons

✓ Only leading home warranty company with an A rating from the Better Business Bureau

✓ Over 41 add-ons options including coverage for unique home services like carpet and gutter cleaning

✓ All repairs are covered by a 60-day guarantee

X Lower-than-average annual coverage caps

X Multiple add-ons can get expensive quickly

Plans and Pricing

Homeowners in Texas can choose one of three plans offered by Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard and Systems Guard are appliance-only and systems-only value plans that are available for customers with minimal coverage needs. Total Home Guard, however, is LHG’s comprehensive two-for-one option for homeowners in search of whole-house protection. This provider is well-known for its extensive list of 41+ add-on plan options, with unique extras like coverage for pro-series appliances and window washing. Liberty Home Guard’s coverage limits are fair, with most falling around the $1,500 mark. Its required service fee is $75, slightly below the industry average. 

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($70 per month): The Appliance Guard plan covers 11 major appliances, including refrigerators, built-in microwaves, ovens/stoves, cooktop exhaust fans, ceiling fans, garbage disposals, dishwashers, clothes washers, clothes dryers, and built-in ice-makers.We’d most recommend this plan to first-time homebuyers in Texas who might be on a tighter budget. 
• Systems Guard ($74.99 per month): The Systems Guard plan covers nine essential home systems, including electrical systems, air conditioning, bath exhaust fans, heating systems, toilets, ductwork, plumbing and plumbing stoppages, and water heaters. This plan level slightly more expensive simply because of the generally higher cost of repairing home systems. 
• Total Home Guard ($79.99 per month): The Total Home Guard plan covers 20 items and is the only catch-all plan offered by LHG. By conjoining Appliance and Systems Guard, Total Home Guard offers wall-to-wall home protection for just $5 more per month. 

Additional Coverage

Liberty Home Guard has the most exhaustive list of optional add-ons compared to any other leading provider, with optional coverage for:

• Pools and spas (includes chlorine and saltwater set-ups)
• Sump pumps
• Well pumps
• Central vacuum
• Septic system pumping
• Sewage ejector pumps
• Grinder pumps
• Limited roof leak repairs (only applies to patching over occupied areas of single-family homes)
• Standalone freezers, ice-makers, second refrigerators, and wine coolers
• Instant hot water dispensers
• Reverse osmosis filter systems
• Sprinkler systems
• Water softener  
• Light fixtures 
• Plumbing fixtures
• Electronic protection
• Re-keying (cover re-keys for two lock cylinders per contract term)
• Guest unit coverage (up to 750 square feet)
• Carpet and gutter cleaning
• Gutter cleaning
• Power washing for exterior flooring (includes driveways, walkways, decks, patios, etc.)
• Window washing (does not include interior cleaning)
• TV mounting (for up to 65-inch or 85-inch TVs)
• Pest control
• Pro-series kitchen and laundry appliances (exclusively for professional-grade appliances with luxury features)

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.

Local Home Warranty Companies in Texas Cities

Choosing the best home warranty in Texas can be more challenging if you’re looking for local contractors or coverages specific to Texas homes. We’ve rounded up the top Texas home warranties for each city to help assist you in getting the best protection for your home.

How Much Does a Home Warranty in Texas Cost?

A home warranty in Texas costs between $45 and $65 a month, or $480 to $780 per year. Service call fees range in price from $60 to $125, with the average being around $85. Depending on what the coverage entails, most optional add-ons start at around $3 more per month but can go as high as an extra $30 per month.

According to our study conducted with over 1000 homeowners, the cost of a home warranty is the second most important factor to consider when choosing a home warranty company. After analyzing over 60 home warranty companies, it was determined that the national average monthly cost is $51.61.

Many home warranty plans are customizable and allow homeowners to pick and choose add-ons and service call fees to help them create a more sustainable monthly or annual premium. 

Compare the Best Home Warranty Companies in Texas

Final Thoughts

All in all, Texas homeowners are in great shape as far as home warranty options go. All five of these providers showcase impressive industry-specific expertise with strong customer bases and overall positive feedback from the homeowners they serve. 

House Method’s internal research team has nominated Choice Home Warranty as our pick for Texas’s overall best-rated home warranty company. CHW keeps ahead of other leading providers with its competitively low pricing, two standard plan variations of combined coverage for appliances and systems, and around-the-clock access to customer service. 

How to Choose the Best Home Warranty in Texas

By starting with the five providers featured in this guide, the elimination process should feel a bit simpler. To narrow down your list further, consider the following factors as you compare companies:

• Consider coverage limits: You might see some providers advertise coverage for an unlimited number of items per year, but almost all will still have caps on the dollar amount they’ll contribute. Don’t settle for coverage caps less than $500 to $2,000 per item. 
• Generate multiple quotes: Get a free custom quote from at least three different home warranty companies to compare side-by-side. Doing so will give you an overview of how they vary in terms of cost to coverage. 
• Watch out for high 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 with a workmanship guarantee on repairs; this can keep you from paying extra service fees. 

What is a Home Warranty?

A home warranty is a service contract designed to help homeowners protect their finances from the cost of repairing or replacing their home’s system and appliances. So, for example, when your refrigerator breaks down due to normal wear and tear, a home warranty will ensure that you’re only responsible for the service call fee and not the actual cost to fix the fridge. 

Home Warranty vs. Homeowners Insurance

While home warranties and homeowners insurance are designed to protect your house from unforeseen damage, they cover different scenarios. Home insurance will cover your property from any damage it sustains due to catastrophic events such as tornadoes, hurricanes, fires, and even theft. On the other hand, a home warranty protects you from the costs of more predictable, age-related wear and tear of the appliances and systems around your home. 

Because home warranties and homeowners insurance have vastly different coverage terms, their coverage doesn’t overlap. Your home insurance policy won’t finance roof leaks or pipe breaks due to natural decay — but a home warranty will. 

How Does a Home Warranty in Texas Work?

When an item breaks down in your home, putting your Texas home warranty benefits to use is a fairly straightforward process:

File a Claim

Immediately after you notice an issue with one of your appliances or systems, you’ll need to open a claim with your home warranty provider. This can be done directly through a customer service representative over the phone or online through your customer portal. Claims typically take between 24-48 hours to process, but the decision process can sometimes be expedited for emergency situations.

Diagnostic Visit

Before a home repair or replacement can be made, your provider will dispatch a licensed service technician to assess the extent of the issue in person. After this initial service request, the contractor will report back to your provider with an estimate for the required maintenance. 

You’ll be responsible for paying the service call fee disclosed in your contract at this first visit. Some home warranty companies will have you pay this amount directly to the technician, while others might collect it from you earlier on in the claims process. 

Repair or Replacement

Once your home warranty provider decides on the best course of action to take for the maintenance you need, they’ll dispatch a contractor to handle the necessary work at no cost to you. The only potential expenses you’ll need to be prepared to pay are if the repair or replacement exceeds your annual coverage limits or if it requires parts that aren’t explicitly covered in your contract. 

What Does a Texas Home Warranty Cover?

A home warranty covers repair and replacement costs for a wide range of major appliances and systems as they gradually fail due to normal use over time. While different companies have different sets of inclusions and exclusions, most will cover: 

What is Not Covered by a Home Warranty?

A home warranty will only protect against normal wear and tear on your home systems and appliances. Most home warranty policies exclude costs related to improper installation, general misuse, lack of proper maintenance, power surge damage, detectable pre-existing conditions, and cosmetic defects.

Biggest Complaints about Home Warranty Companies in Texas

One of the most common complaints among home warranty customers is related to claim denials. More often than not, these claim denials are usually due to misunderstood exclusions. Your claim can also be denied if you don’t abide by the time limits for filing a claim, pay your monthly or annual premiums on time, or have proper documentation of pre-existing conditions if required by your provider. 

Are Home Warranties Worth it?

Professional maintenance for major household appliances and systems is something that all homeowners need to anticipate ahead of time. While some homes may require more elbow grease than others, tune-ups and troubleshooting are an inevitable part of homeownership.

As a financial tool, home warranties are designed to minimize the impact that unexpected appliance and system failures might have on a homeowner’s budget. Whether or not a home warranty is right for you ultimately depends on your financial flexibility and if you have enough cash earmarked for when an item stops working in your home. According to a survey done by CNBC, 56% of Americans don’t have the savings to cover a $1,000 emergency expense.

While a broken microwave might be more inconvenient than an emergency, an HVAC failure in the Texas heat can become a health and safety issue if not addressed promptly. And yet the average cost of an HVAC system replacement is usually between $5,000-$10,000.

Michael Stimpson, owner and manager of Snowflake Air, agrees that “home warranties can be a good investment, especially if you have older systems and appliances.”

With that being said, finding the best home warranty for your Texas home will require some homework on your end. We urge you to read the fine print in any home warranty contract that piques your interest before you sign up. A firm grasp on what is and isn’t covered by a reputable provider is the only way to ensure you’re getting your money’s worth of coverage. It’s also never a bad idea to skim verified customer reviews for home warranties in Texas to get a holistic idea of how companies have followed through from the consumer’s point of view.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. 

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five. 

Here is a quick breakdown of our five core scoring categories: 

• Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
• Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
• Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
• Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
• Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.