Best home warranties in Austin, TX

Selecting the right home warranty in Austin means understanding your home's most vulnerable systems and appliances. Here’s how to confidently pick a plan:

1. Decide what coverage you need

Begin by deciding which items in your home are most at risk. If your HVAC is older or frequently in use, prioritize a plan with strong AC coverage. If your dishwasher or water heater are getting older, look for appliance coverage.

In Austin, find a plan with the highest possible coverage cap for HVAC systems to handle the relentless summer heat.

2. Compare costs

Don’t just look at the cheapest premium. Consider what you get for the price, including service call fees and claim payout limits. A plan with higher premiums but strong HVAC coverage may actually save you more in the long run.

Review add-on pricing for features like roof leak repair or coverage for a second fridge, as these can make a noticeable difference in your annual total.

Be aware that there may be hidden costs with certain plans, such as cancellation costs. Terry from Austin reported to us, “On top of that they also charged $50 for canceling a MONTH to MONTH policy.”

3. Review sample contracts

Sample contracts are your best window into what’s actually covered. Read carefully for exclusions, especially those related to hard water, scale or sediment — issues that are very common in Austin.

4. Read customer reviews

Customer feedback gives you real-world insight into a company’s reliability. In Austin, look for reviews that mention how quickly AC issues are handled in the summer and how water heater or washing machine claims (often due to hard water) are resolved.

Search for reviews from Austin homeowners that mention AC repair speed during the peak of summer. Also, look for experiences with claims on water heaters or washing machines to see how the company handles hard-water-related issues.

Positive reviews highlight fast claims and transparent service, while negative ones may point to frequent denials or delays.

Diane from Austin reported that she and her daughter experienced delays in their separate repairs. “She has had a couple services either denied or not fixed correctly, and we’ve had miscommunications about service people who were supposedly assigned but never showed up,” she stated. “Both of these delayed decisions on our getting repairs.”

» MORE: How to choose a home warranty

The average annual cost of home warranty premiums is $684 as of June 2025. An Austin home warranty costs between $360 and $1,080 per year in Austin, based on plans from our top picks. Just remember that your cost mostly depends on the coverage you choose and what add-on options you select.

Cost range by home warranty provider

Monthly or annual premiums

Homeowners can spread the cost of coverage with monthly payments or save with annual billing. The price you pay will be determined by your provider, plan type and any add-ons you choose.

Service call fees

A service call fee is paid whenever you request a repair — this acts as your deductible per claim. Most companies charge between $75 and $150 per visit, so check how this may impact your total annual cost, especially if you expect multiple claims.

Add-on coverage

Many providers let you add extra items, like pool or spa equipment, for an additional $2 to $25 per month per add-on. These can make a big difference if you have a pool, a second fridge or other special features.

Other home warranty cost factors

Prices vary based on:

• Home size and type: Coverage for larger or older homes is often more expensive.
• Level of coverage: More comprehensive plans with broader protections will cost more.
• Location: Your ZIP code can affect the price of premiums. Labor rates vary from place to place.
• Discounts: Look for deals on annual plans, multi-property discounts or seasonal promotions.

Example: total annual home warranty costs

• Comprehensive coverage ($65 per month): $780 per year
• Add-on for pool coverage ($10 per month): $120 per year
• Add-on for water softener ($8 per month): $96 per year
• Three claims ($100 service fee): $300
• Total: $1,296 per year

Most Austin home warranty plans provide three types of coverage: appliance, system or a combination.

• Appliance plans protect refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
• Systems plans focus on HVAC, plumbing, electrical and water heaters.
• Combo plans give you the broadest protection, covering both systems and appliances.

You can often tailor your plan with add-ons for things like pools, spas or well pumps. For Austin, pool and spa coverage is especially popular, and water softener coverage is a smart investment to combat hard water’s impact on plumbing and appliances.

» LEARN: Common home warranty misconceptions

Your savings depend on what breaks and how often. In Austin, a single AC or water heater repair could easily offset the cost of a year’s coverage. The Consumer Financial Protection Bureau recommends setting aside 1% to 3% of your home’s value for annual maintenance.

Average repair/replacement costs for covered items

Austin’s hot summers overwork HVAC systems and hard water leads to mineral buildup in water heaters and plumbing, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Austin without a home warranty: