Best Home Warranty Companies in Texas (2022)

By Kelly Boyer Sagert

As one of the largest states in the nation, with a population of just over 29 million, Texas has quite a few homeowners. Living in Texas can give you access to mega metropolitan hubs like Dallas or Houston, acres and acres of wide-open plains, and proximity to the beach. Although living in Texas can be great, plenty of issues can come up when owning a Texas home. A Texas home warranty can help homeowners have greater peace of mind about their budgeting and can come in handy to cover the costs of normal wear-and-tear on appliances and systems.

Whether you are new to homeownership or have been a homeowner for 40 years, it still pays to get a policy from one of the best home warranty companies in TX. Our experts have sorted through all of the top Texas home warranty providers so you can find the ideal fit for your home. We’ve gathered monthly price quotes and compiled all of the average plan costs, but we recommend getting a quote yourself from each company for accurate pricing. Keep reading if you need some guidance and recommendations to pick out your Texas home warranty.

Best Home Warranty Companies in Texas (2022)

To determine the top 5 home warranty companies in Texas, we researched and reviewed over 60 different choices. Our experts compared the companies 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. The Home Service Club: Quickest Coverage
  5. Liberty Home Guard: Most Trustworthy 

1. Choice Home Warranty

  • Best Overall Home Warranty Company
  • Service Fee: $85
  • Annual Cost: $560-$660

Why We Chose It

Choice Home Warranty is the best overall home warranty in Texas. Choice has been in business for more than 13 years and has maintained a BBB rating of B. When you start researching home warranty policies, you will see that this is an excellent rating. CHW is an effortless company to work with, and its 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. 

CHW Pros and Cons

Pros Cons
Very straightforward service contract Plans are not customizable 
Responsive customer service Only two policy options
Plan choices have both systems and appliances
High coverage caps 
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

Plan, Cost, and Coverage

Choice Home Warranty has two plans, the Basic Plan and the Total Plan. Each of these plans has a mix of appliances and systems. The Total Plan has 17 covered items priced at $53.33 per month. One of the best things about Choice Home Warranty is that the coverage caps are quite high. Coverage caps for many of the covered systems and appliances are $3000. The service fee associated with either of the plans is $85, and this is a nonadjustable service fee. 

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

  • Basic Plan ($42 per month): The Basic Plan covers 13 items, including plumbing, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. Texas homeowners enjoy the high coverage caps with the fair monthly pricing.
  • Total Plan ($53.33 per month): This comprehensive plan covers all 13 items in the Basic Plan plus four more to cover 17 items. This plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. The additional coverages, especially air conditioner coverage, make this a better policy option for Texas homeowners.
  • Add On Options: Choice offers nine optional coverages, including roof leaking, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. The add-on options are standard and found on most home warranty plans in Texas.  
Plan name Price per month Price per year Service fee
Basic Plan  $45 $560 $85
Total Plan $53.33 $660 $85

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. Select Home Warranty 

  • Most Cost-effective Plans
  • Service Fee: $60
  • Annual Cost: $630-$699

Why We Chose It

Select Home Warranty is the most cost-effective option for Texas homeowners. 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. 

SHW Pros and Cons

Pros Cons
Very fair pricing Lower coverage caps on some appliances and systems 
Free roof leak coverage
High-quality workmanship 
Close to ten years in the industry 
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

Plans, Cost, and Coverage

Select Home Warranty has three plans for homeowners to choose from. The Gold Care plan is an appliance-only option, and the Bronze Care is the systems-only plan. The Platinum Care Plan is the combo or comprehensive plan with the best overall coverage for Texas homeowners. Coverage caps from Select Home Warranty are slightly lower in the $200 to $500 range because of low monthly pricing. All Select Home Warranty plans come with free roof leak coverage. The service fee from Select Home Warranty is one of the lowest at $60. 

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

  • Bronze Care ($52 per month): The Bronze Care plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. This is a smart choice for an affordable appliance-only plan for Texas homeowners. 
  • Gold Care ($52 per month): Gold Care is very similar to the Bronze Care plan, except it only offers systems coverage.  The six major systems included in the Gold Care plan are plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Some coverage caps are as high as $2000 with this plan. 
  • Platinum Care ($57 per month): The Platinum Care Plan is the best overall option from Select Home Warranty because it covers 16 items. Having both system and appliance coverage for this fair price is well worth it. As you can see, the difference in pricing is just a few dollars per month for double the coverage. 
  • Add on Options: There are several optional add-ons, including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. Roof leak coverage comes free of charge. 
Plan name Price per month Price per year Service fee
Gold Care $52.00 $579.99 $60
Bronze Care $52.00 $579.99 $60
Platinum Care $58.00 $649.99 $60

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.

3. American Home Shield 

  • Best Customizable Plans
  • Service Fee: $75-$100
  • Annual Cost: $347-$891

Why We Chose It

American Home Shield is the most customizable home warranty plan in Texas. There are quite a few new neighborhoods in Texas with custom homes with 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. 

AHS Pros and Cons

Pros Cons
More than 50 years in the industry  Higher pricing 
Customization of plans and pricing
Unique coverage options 
High claim payout rates 
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

Plans, Cost, and Coverage

American Home Shield is a premium home warranty provider with three plan options for Texas homeowners. The plans include the ShieldSilver systems plan, ShieldGold combo plan, and the ShieldPlatinum comprehensive plan. The three plans from American Home Shield can be used as-is or customized to meet your Texas home’s needs. In addition, the service fee is customizable to ensure that this plan fits within your budget. The prices on our chart are based on a $100 service fee. 

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

  • ShieldSilver™ ($39.99 per month): ShieldSilver covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. Most of the systems on this plan include coverage caps of around $2500. The only issue with this plan is the lack of appliance coverage.  
  • ShieldGold™ ($49.99 per month): The ShieldGold plan covers 23 home systems and appliances, including many offered on the ShieldSilver plan, plus a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. ShieldGold is one of the most popular plans because it has both system and appliance coverage for a fair value.
  • ShieldPlatinum™ ($64.99  per month): ShieldPlatinum is one of the best policies on the market for Texas homeowners. You will greatly benefit from this comprehensive coverage of more than 27 systems and appliances if you can afford this monthly pricing. ShieldPlatinum has many other benefits, including a $1000 credit for unexpected expenses like permits. 
  • Add-On Options: There are several additional coverages offered by AHS, including the septic system, pool and spa, PC, TV, and well pump coverage. The pool coverage seems to be the most popular option considering the pricing and the coverage. Electronics are another popular one not found on all home warranty policies. 
Plan name Price per month Price per year Service fee
ShieldSilver $39.99 $479.88 $100
ShieldGold $49.99 $599.88 $100
ShieldPlatinum $64.99 $779.88 $100

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.

4. The Home Service Club

  • Best For Quickest Service
  • Service Fee: $60-$95
  • Annual Cost: $650-$800

Why We Chose It

The Home Service Club offers the quickest coverage for a Texas home warranty. The Home Service Club has been on the market for more than 13 years, and they have a straightforward sign-on process. There is no inspection with The Home Service Club, and just ten days after paying for your policy, the coverage will begin for your Texas home. Coverage from The Home Service Club is comprehensive, with fair monthly pricing and a broad range of covered systems and appliances. When you want to ensure that your home systems and appliances are protected as quickly as possible, The Home Service Club is the best choice. 

HSC Pros and Cons

Pros Cons
Policy starts in ten days No basic or cheap plan option
Both plans offer comprehensive coverage
Strong customer service 
More than 13 years in the industry 
Quickest service

  • Offers 2 plans + optional add-ons for over 10 items
  • Covers items regardless of their age, make, or model
  • Provides high coverage caps on essential systems and appliances
  • Has real estate home warranty plans

Plans, Cost, and Coverage

The Home Service Club has two policies for homeowners: the Standard Coverage Plan and the Comprehensive Coverage Plan. The Standard Coverage Plan has 18 covered items, while the Comprehensive has 33 covered items. The Home Service Club policies will stand out when you look at a depth of coverage. The coverage caps associated with these plans will vary from around $500 to $2500, slightly higher than the industry average. The service fee is customizable and will impact the monthly pricing of the plan. Our chart below is based on a $95 service fee. 

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 items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, etc.  
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club takes the Standard Plan and increases the coverage by about ten items. These extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole-house fans, etc. This plan gives homeowners complete peace of mind about their Texas home. 
  • Add-On Options: The Home Service Club offers 12 additional or add-on coverages. The add-ons include a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, etc. Roof leak coverage is also an add-on option. 
Plan name Price per month Price per year Service fee
Standard Plan $50 $600 $95
Comprehensive Plan $63 $756 $95

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. 

5. Liberty Home Guard 

  • Most Trustworthy Home Warranty Provider
  • Service Fee: $75
  • Annual Cost: $700-$800

Why We Chose It

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. Since its establishment, Liberty Home Guard has continued to impress its real customers and other home warranty industry professionals. The company has a strong commitment to customer service and following through on its contracts. 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 in your home and allowing for a much better experience with your home warranty company. 

LHG Pros and Cons

Pros Cons
A rating with the BBB Add on options can get expensive 
Fast customer service response times
Easy to submit claims
60-day workmanship guarantee
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

Plans, Cost, and Coverage

There are three plans from Liberty Home Guard. These are Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard and Systems Guard are value plans that do not have comprehensive coverage. Liberty Home Guard is known for its extensive list of add-on coverage and more notable options than other companies on the market. Liberty Home Guard’s coverage caps are fair, with most being around the $1500 mark. The service fee associated with the plan is $75, slightly below the industry average. 

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

  • Appliance Guard ($64.99 per month): The Appliance Guard plan covers 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. Texas homeowners that are new to homeownership may start with this plan.  
  • Systems Guard ($69.99 per month): The System Plan offers nine systems coverages. These systems include the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. Systems Guard is slightly more expensive simply because of the higher cost of repairing systems. 
  • Total Home Guard ($74.99 per month): The Total Home Guard plan covers 20 items and is the only comprehensive plan from Liberty Home Guard. Total Home Guard offers the best protection, and for just a few dollars more per month, it makes sense to choose this plan. 
  • Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons, including some unique ones such as gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. The pricing of Liberty Home Guard’s add-on coverages can add up quickly, but for Texas homes with unique features, this is the best company to consider. 
Plan name Price per month Price per year Service fee
Appliance Guard $64.99 $649.99 $75
Systems Guard $69.99 $699.99 $75
Total Home Guard $74.99 $749.99 $75

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.

Home Warranty Availability in Texas Cities

Dallas, TX

San Antonio, TX

Houston, TX

Corpus Christi, TX

San Marcos, TX

Austin, TX

Fort Worth, TX

El Paso, TX

Plano, TX

Brownsville, TX

Arlington, TX

Laredo, TX

Lubbock, TX

Galveston, TX

Harlingen, TX

Final Verdict

Hopefully, you feel 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. Choice Home Warranty stands out as the best overall choice because of its comprehensive coverage, fair pricing, and 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.

How to Choose the Best Home Warranty in Texas

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

  • Consider the Plan Type: Most companies offer an appliance plan, a systems plan, and a combo or comprehensive plan. The comprehensive plans tend to cost a bit more money, but they often give you the best coverage for unforeseen circumstances. 
  • Look for 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 sprinkler systems. 
  • 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. 
  • Compare the Best Home Warranty Companies in Texas:
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
The Home Service Club HSC Quickest Service Standard Coverage: $50/month

Comprehensive Coverage: $63/month

 $75 13 N/A
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

What is a Home Warranty?

A home warranty is a protection plan for home systems and appliances. When your refrigerator breaks down, and the repair is several hundred dollars, a home warranty will help ensure that you are only responsible for a service fee. Home warranty plans cover the costs of repairs and replacements of a home appliance and system and protect against normal wear. 

When you notice an issue with one of your appliances or systems, you can submit a claim with your home warranty provider. Home Warranty companies rapidly process claims, and they will reach out about a repair technician or contractor coming over to look at the issue. At this point, you will also pay your service fee. Once the contractor or repairperson looks at the issue, they will handle it at no cost to you. The only time a Texas homeowner may have out-of-pocket costs is if the repair or replacement is more than the item’s coverage cap. 

Home Warranty vs. Homeowners Insurance

It’s important to know that home warranty plans are NOT the same 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.

Top Home Maintenance Problems in Texas

Texas can experience a wide range of weather and temperature changes. There will likely be many breakdowns and issues between outside influences like the heat and humidity and the normal wear on a homeowner’s systems and appliances. A few of the issues you will see include electrical system outages, HVAC breakdowns, and water heater malfunctions. Let’s look at these issues and how your home warranty can help. 

  • Electrical System Outages: The electrical system keeps your home up and running at all times. If there is a short in the wire or something does not flow correctly 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. You will only be responsible for your service fee with a home warranty in place. 
  • Water Heater: A home water heater tends to get quite used. 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 need a quick repair; however, this could cost you hundreds of dollars without a warranty. 

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What Do Home Warranty Companies Cover?

A home warranty in Texas typically covers the major systems and appliances in the home. The appliances include a refrigerator, stove, dishwasher, microwave, cooktop, clothes washer, clothes dryer, etc. The systems included are the air conditioner, heating system, electrical, plumbing, water heater, and more. Add-on options can vary from one plan to another, including a sprinkler system, central vacuum, second refrigerator, septic system, and plumbing stoppages. 

What is Not Covered by Even the Best Home Warranty Companies?

A home warranty will only protect against normal wear and tear on your home systems and appliances. The home warranty policy excludes misuse, lack of maintenance, power surge damage, pre-existing conditions, and cosmetic damages. Home warranty providers often do not cover incorrectly installed items or improperly maintained items, such as rust on your water heater.

How Much Does a Home Warranty Cost? 

A home warranty plan is typically priced between $45 and $65 a month. The average annual costs will be $480 to $780 a year. Service fees range in price from $60 to $150, with the average being around $85. Depending on the coverages, most add-on coverage will start around $3.00 per month and go as high as $30 per month. Many home warranty plans are customizable and allow homeowners to pick and choose coverages and service fees to help them afford their home warranty plan. 

Tips for Buying a Home Warranty in Texas

When selecting a home warranty, geographic location and climate are the first factors to consider before comparing 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, so selecting the right policy can vary depending on where your property is located.

If 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 experienced service professionals who are well-trained and knowledgeable in fixing your Texas home. These companies offer excellent coverage and plans, with easy claims processes and add-on options. Both CHW and AHS have great air conditioning coverage, which is critical 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, refrigerators, air conditioners, 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 if 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 Austin, use the provided list above of Texas’s best home warranties. Compare all costs, coverage, add-ons, and more 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 warranties in Texas to get a holistic idea of what each company provides.

See the best home warranty companies in your state

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Frequently Asked Questions About Texas Home Warranties

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 the 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.

House Method Home Warranty Ranking Methodology

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

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 ensure no detail was left out.

To make the most of our research, we developed an objective rating system to score each home warranty company 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 and service fees compared 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 judged 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 do 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 set them apart from the competition.

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