Everything is bigger in Texas, and homes are no exception. Keeping up with a large home often includes proactive maintenance and making repairs when major home systems and appliances break. With a home warranty, you’ll receive protection when systems and appliances fail due to normal wear and tear.
A home warranty is an investment in your peace of mind: You pay a monthly fee to keep your policy active plus a small fee whenever you file a claim. After reviewing dozens of home warranty providers, our team arrived at the 9 best home warranty providers in the country and applied those learnings to those that service Texas. We considered factors such as service plan availability, plan pricing, industry reputation, customer service, and the quality of additional features offered.
Continue reading for our recommendations of the best home warranty companies in Texas.
The Top 9 Home Warranty Companies in Texas
- American Home Shield
- Choice Home Warranty
- Liberty Home Guard
- First American Home Warranty
- America’s 1st Choice Home Club
- Cinch Home Services
- Select Home Warranty
- The Home Service Club
- HomeServe
We gathered all cost data, coverage options, and add-on availability in this article through a simulated quote process for a single-family home smaller than 5,000 square feet in Houston. Because plans and pricing can vary from home to home even of similar size and location, it’s a good idea to request a personalized quote for each provider.
American Home Shield
Fast Facts:
- Number of Plans: Three
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans
American Home Shield (AHS) offers three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver covers a suite of built-in systems, while ShieldGold extends that coverage by covering laundry and kitchen appliances. ShieldPlatinum is the most comprehensive plan offered by AHS, covering everything in ShieldGold and providing coverage for roof leaks, code upgrades, and more.
AHS’s three plans don’t have a coverage cap on built-in systems, allowing homeowners to file as many claims as necessary on these items without reaching a limit set by the company. The ShieldGold plan has a $3,000 coverage limit on appliances, and the ShieldPlatinum plan has a $6,000 limit on appliances.
ShieldSilver ($34.99–$49.99 per month): This systems-exclusive plan covers 14 items, including your air conditioning system; heating unit; ductwork, built-in exhaust, vent, and attic fans; main breaker and fuse panel box; doorbells and chimes; interior electrical lines; ceiling fans; garage door openers; interior plumbing lines; toilets; faucets and valves; whirlpool tub motor and components; and water heater.
ShieldGold ($44.99–$59.99 per month): ShieldGold covers all of the items in the ShieldSilver plan and provides up to $3,000 of coverage for laundry and kitchen appliances, including refrigerators, ranges, cooktops, ovens, dishwashers, built-in microwaves, garbage disposals, instant hot/cold water dispensers, washers, and dryers.
ShieldPlatinum ($64.99–$79.99 per month): This comprehensive plan covers everything in the ShieldGold plan and raises the coverage cap for appliances to $6,000. This plan also covers up to $1,500 for roof leaks and provides a discounted annual air conditioning or heating tune-up, unlimited AC refrigerant, and up to $1,000 in upgrades for local code violations and permits.
Choice Home Warranty
Fast Facts:
- Number of Plans: Two
- Service Fee: $85
- Get a Quick Quote: Visit site
Plans
Choice Home Warranty offers two plan options that cover your essential home systems and appliances without adding too many frills to the mix. While Choice’s plans provide basic coverage, we will note that the company is involved in a class-action lawsuit filed by the Arizona Attorney General’s Office. Because the lawsuit alleges that the company frequently denied claims for items that customers thought should be covered, we recommend carefully reading a sample contract to understand each policy’s limitations and exclusions before signing up for a home warranty.
Basic Plan ($46.83 per month): This combination plan covers 16 appliances and built-in systems, including your heating system, water heater, electrical system, plumbing system, plumbing stoppages, oven, range, stove, built-in microwave, cooktop, dishwasher, garbage disposal, ceiling and exhaust fans, ductwork, garage door opener, and whirlpool bathtub.
Total Plan ($54.75 per month): This plan extends the coverage in the Basic Plan by offering coverage for your clothes dryer, clothes washer, refrigerator, and air conditioner.
Select Home Warranty
Fast Facts:
- Number of Plans: Three
- Service Fee: $75
- Get a Quick Quote: Visit site
Plans
Select Home Warranty offers three coverage plans: Bronze Care, Gold Care, and Platinum Care. Bronze Care covers items such as your microwave and refrigerator, while Gold Care covers items such as your air conditioning and water heater. Platinum Care combines coverage from the two basic plans while adding coverage for garage door openers and ceiling fans.
Select is one of the only home warranty providers to offer free limited roof-leak protection with all plan options. It also stands out for its quick same-day response time. In fact, several reviews on Trustpilot praised the provider for the speed at which a service technician arrived at their house and remedied an issue.
Bronze Care ($44.42 per month): The Bronze Care plan covers your home’s appliances, including your clothes washer, clothes dryer, garbage disposal, refrigerator, stove, oven, built-in microwave oven, cooktop, and dishwasher.
Gold Care ($44.42 per month): The Gold Care plan covers built-in systems, including your air conditioning system, heating system, plumbing system, electrical system, water heater, and ductwork.
Platinum Care ($49.83 per month): Platinum Care combines the coverage of the two earlier plans and adds coverage for garage door openers and ceiling fans.
First American Home Warranty
Fast Facts:
- Number of Plans: Two
- Service Fee: $85
- Get a Quick Quote: Visit site
Plans
First American Home Warranty offers two plan options: the Basic Plan and the Premier Plan. The Basic Plan covers appliances such as your microwave and dishwasher, while the Premier Plan covers those appliances plus eight built-in systems.
Neither of First American’s base packages covers air conditioning. You can purchase coverage for electric central air conditioning and an annual HVAC system tune-up as an add-on for $9 per month.
Basic Plan ($38 per month): The Basic Plan covers appliances such as your garbage disposal, dishwasher, oven, range, cooktop, microwave, trash compactor, refrigerator, clothes washer, and clothes dryer.
Premier Plan ($48.50 per month): The Premier Plan covers all of the items in the Basic Plan as well as your plumbing system, plumbing stoppages, water heater, heating system, ductwork, electrical system, garage door opener, and central vacuum system.
America’s 1st Choice Home Club
Fast Facts:
- Number of Plans: Four
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans
America’s 1st Choice (AFC) Home Club is a top choice for homeowners who want plan flexibility. AFC Home Club offers four plans, which is more than the typical two or three plans offered by competitors. The Silver and Systems Plans cover appliances and built-in systems, respectively, while the Gold Plan and the Platinum Plan offer combo coverage.
Silver Plan ($31.50–$36 per month): This plan covers nine appliances, including your clothes washer and dryer, kitchen refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.
Systems Plan ($38.25–$42.75 per month): This plan covers built-in systems, such as your water heater, air conditioning system, heating system, electrical system, plumbing system, and ductwork.
Gold Plan ($45–$49.50 per month): This plan combines the coverage from the Silver Plan and Systems Plan.
Platinum Plan ($49.50–$54 per month): This comprehensive plan includes all of the items in the Gold Plan plus coverage for plumbing stoppages, faucets, ice makers, and built-in microwaves.
Liberty Home Guard
Fast Facts:
- Number of Plans: Three
- Service Fee: $65–$125
- Get a Quick Quote: Visit site
Plans
Liberty Home Guard (LHG) offers three plans and stands out for its extensive suite of 35 optional coverage items, including coverage for high-end, pro-series appliances. Customers can choose from an appliance-only plan called Appliance Guard, which covers items such as your laundry machines and cooktop; a systems-only plan called Systems Guard, which covers items such as your plumbing system and electrical system; and a combination plan called Total Home Guard, which covers all the items in both Appliance Guard and Systems Guard.
Unlike other providers on this list, Liberty Home Guard assigns service call fees to each account based on the plan, add-on selections, and your home’s location. Unfortunately, the service call fee isn’t transparent online. During a simulated quote process, we spoke to a customer service representative who informed us that your assigned service call fee will always fall within the range of $65–$125.
Appliance Guard ($69.99 per month): Appliance Guard covers 11 major appliances, namely your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling and exhaust fans, and garage door openers.
Systems Guard ($74.99 per month): Systems Guard covers six built-in systems, including your air conditioning system, heating system, ductwork, plumbing system, electrical system, and water heater.
Total Home Guard ($79.99 per month): This plan covers all of the items included in the two basic plans.
Cinch Home Services
Fast Facts:
- Number of Plans: Three
- Service Fee: $75–$150
- Get a Quick Quote: Visit site
Plans
Cinch Home Services is another home warranty titan with decades of experience. It offers three standard plan options: the Appliances Plan, the Built-in Systems Plan, and the Complete Home Plan. The Appliances Plan covers items such as your dishwasher and built-in trash compactor, and the Built-in Systems Plan covers systems such as smoke detectors and garbage disposals. The Complete Home Plan combines those two plans into one all-inclusive package.
Additionally, Cinch’s comprehensive policies cover items damaged by rust and corrosion, which isn’t typical of the industry.
Appliances Plan ($34.99–$50.99 per month): The Appliances Plan covers your clothes dryer, clothes washer, cooktop, dishwasher, built-in food center, freestanding ice maker, built-in microwave, range, range exhaust hood, refrigerator, built-in trash compactor, and wall oven. It also comes with a $25 air conditioner or water filter credit and a complimentary water sensor, a device that can help you detect water leaks.
Built-in Systems Plan ($39.99–$57.99 per month): The Built-in Systems Plan extends coverage to your air conditioning including ductwork, heating including ductwork, attic fans, ceiling fans, central vacuum, doorbell, electrical system, garage door openers, garbage disposal, instant hot/cold water dispenser, plumbing system, smoke detectors, sump pump, toilets, water heater, and whirlpool/jetted tub. It also comes with a $25 air conditioner or water filter credit and a complimentary water sensor.
Complete Home Plan ($49.99–$67.99 per month): The Complete Home Plan covers all items from the previous two plans. It also comes with a homeowners insurance deductible reimbursement of up to $500 should you need to file a home insurance claim during your plan term.
The Home Service Club
Fast Facts:
- Number of Plans: Two
- Service Fee: $95
- Get a Quick Quote: Visit site
Plans
The Home Service Club offers two plan options: the Standard Plan and the Comprehensive Plan. Both cover a combination of built-in systems and appliances, such as kitchen appliances and ceiling fans, but the Comprehensive Plan extends coverage by covering ductwork, alarm wiring, and more.
The Home Service Club stands out for its quick waiting period of 10 days at the start of your plan, which is significantly shorter than the typical 30-day waiting period. You also have the option to cover up to three refrigerators when you elect add-on coverage, so it’s a particularly strong option for large households and big families with additional food storage demands.
Standard Plan ($51.21 per month): This plan covers your air conditioning system, ceiling fans, central vacuum, dishwasher, clothes dryer, electrical system, food center, garage door opener, garbage disposal, trash compactor, heating system, refrigerator ice maker, microwave, oven/stove/cooktop, plumbing system, refrigerator, clothes washer, and water heater.
Comprehensive Plan ($62.50 per month): This plan covers all of the items in the Standard Plan plus alarm wiring, doorbells, ductwork, gas leaks, hot water pumps, pest control services, plumbing stoppages, smoke detectors, sump pumps, telephone wiring, hot water dispensers, water leaks, and whirlpool tubs.
HomeServe
Fast Facts:
- Number of Plans: 12
- Service Fee: $100
- Get a Quick Quote: Visit site
Plans
HomeServe stands out for its specialized coverage, specifically its air conditioning coverage that protects Texas residents during the state’s extreme heat. HomeServe determines plan availability based on your location and utility provider, so the plans vary considerably by location.
When we requested a quote for a single-family home smaller than 5,000 square feet in Houston, we were shown plans that cover your plumbing system, electrical system, heating system, and cooling system. It’s important to note that the provider does offer classic built-in systems and appliance coverage, but these offerings are not available in all regions.
Below, you can review the plans offered in Houston and what they cover.
Gas Line Coverage ($5.49 per month): This plan covers your interior and exterior gas line up to $8,000.
Exterior Electrical Line Coverage ($5.49 per month): This plan covers your exterior electrical line up to $2,000.
Exterior Water Service Line Coverage ($5.99 per month): This plan doesn’t have a coverage cap. You can file as many claims for your exterior water service line as you need to during your plan term.
Interior Electrical Line Coverage ($6.99 per month): This plan covers your interior electrical line up to $2,500.
Interior Electric Coverage with Electric Vehicle Charger ($8.99 per month): This plan covers your interior electrical line and electric vehicle charger up to $2,500.
Cooling Tune-up ($8.99 per month): This plan covers an annual cooling system tune-up.
Exterior Sewer/Septic Line Coverage ($9.99 per month): This plan covers your exterior sewer/septic line, exterior sewer/septic line restoration, and drain cleaning.
Water Heater Repair and Replacement Plan ($9.99 per month): This plan covers water heater replacement and repairs up to $1,100.
Heating System Coverage ($13.99 per month): This plan covers your heating system up to $1,500.
Cooling System Coverage ($16.99 per month): This plan covers your cooling system up to $1,750.
Two Water Heater Repair and Replacement ($18.99 per month): This plan covers two water heaters and their repair and replacement up to $2,200.
Two Cooling System Coverage ($29.99 per month): This plan covers two cooling systems up to $3,500.
Our Recommendation
Our team carefully vetted the top home warranty companies on factors such as plan offerings, responsive customer service, and additional features—including the ability to choose your own contractor and coverage for high-end appliance brands—to determine the top home warranty companies in Texas.
Standout choices include American Home Shield for its generous coverage caps, ideal for people with big-ticket appliances and systems. If you want the option to choose your own contractor, AFC Home Club may be an ideal option.
However, whether you want protection for your expensive kitchen appliances or need to support your air conditioning system during the hot Texas summers, do your due diligence before signing up for a home warranty. We recommend requesting a quote from as many providers as possible to compare quotes and coverage options, reading each provider’s sample contract, and speaking to a company representative before enrolling in a policy.
How to Choose a Home Warranty
Based on our survey of 1,000 homeowners, we found out that more than half of respondents considered two to three home warranty providers before making their final decision. Here are a few tips to help you purchase the best home warranty for your Texas home.
- Ask for recommendations from friends and family members. If you are working with a real estate agent or have loved ones who enjoy their home warranty provider, ask them what stood out about their experience and which company they suggest.
- Determine which home warranty plans are available in your area. It’s always beneficial to request a quote from several home warranty providers and compare the plan offerings available to you in your area. For example, certain add-on options may vary depending on your zip code.
- Compare plans and contracts. Before you select a plan, read the fine print of each provider’s sample agreement and compare the limitations of each provider and the amount of coverage you can expect during your plan term.
- Resolve any lingering questions and concerns. During our research process, we analyzed hundreds of customer reviews, where we learned that many homeowners have misconceptions about the extent of their home warranty coverage. These misunderstandings can lead to frustration and denied claims. If you have any confusion about the coverage caps, excluded scenarios, and limitations of your policy, we recommend speaking with a customer service representative for clarity before signing up for a plan.
Texas Home Warranty Company FAQ
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on customer-review analysis and interviews with industry experts.
During this process, we determined that the most critical aspects of a home warranty company include available service plans and add-ons, depth of coverage, plan cost, industry reputation, customer support infrastructure, and additional features. We also focused on the ability to choose your own contractor; upgrade your coverage package; transfer your plan to another owner; and cover roof leaks, high-end appliance brands, ceiling and exhaust fans, and faucets and fixtures.
Our research supported that plan coverage should carry the most weight, with customer support as the second-most important factor. Industry reputation, plan availability, and additional features were rated equally. Therefore, we determined that price range, while worth considering, should not be the primary basis for choosing a home warranty provider for your home’s needs.