Best Home Warranties in Dallas, TX

Finding the right home warranty in Dallas starts with identifying your biggest risks — that often means a failing AC unit or a plumbing leak caused by shifting soil. Follow these steps to land a plan that protects both your budget and comfort:

1. Decide what coverage you need

Begin by evaluating if you want appliance coverage, system coverage or a combination of both. For Dallas homeowners, prioritizing HVAC coverage with a high payout cap is a must to get through the extreme heat.

Comprehensive plumbing protection is the next essential. Homes in North Texas, particularly Dallas and Fort Worth, are built on expansive clay soil that contracts and expands with temperature swings — causing shifting foundations that commonly lead to slab leaks and pipe breaks.

2. Compare costs

Don’t just pick the lowest monthly premium. Take service call fees into account too, since repeated claims add up quickly. And, always check coverage caps, and factor in the price of add-ons like roof leak or pool coverage — these impact your total cost.

It’s also important to focus on how much AC coverage you get for your dollar. Paying a bit more for a plan that can actually replace your system if needed is a smart investment, since a new AC unit can easily cost upwards of $6,000.

Gary, an AHS customer in Dallas, echoed this sentiment based on his own experiences and said, “While the cost seems high on some occasions, the value becomes apparent if there’s a need for major repairs, like refrigerator or air conditioning unit replacements.”

3. Review sample contracts

Go through sample contracts carefully. In Dallas, you want to specifically check how providers handle plumbing failures caused by foundation movement (they won’t cover the foundation, but should cover the resulting pipe break). Also, confirm the rules and limitations for roof leak repair, especially for storm-related damage.

Also, check for limits on the age of specific appliances. Dallas resident Harriet was happy with her plan, though she regretted not reading the contract in more detail. “My only issue is that I purchased a new air conditioner several years ago (and stupidly, I did not file a claim with Choice). I learned that my new AC is not covered because it was purchased after I enrolled.”

4. Read customer reviews

When choosing a home warranty, reading customer reviews can reveal how fast a company acts during a heatwave or after a major storm. Look for feedback from Dallas residents about AC repair speed, plumbing expertise, and whether contractors understand the unique effects of shifting soil.

Positive reviews often highlight smooth claims processes and responsive customer service, while negative ones may point to frequent denials or hidden costs.

» MORE: How to buy a home warranty

The average annual cost of a home warranty is $684 as of June 2025. In Dallas, you can expect to pay between $360 and $1,080 per year for a home warranty, based on what our top picks offer. Your actual price is determined by your plan’s scope, deductible and any add-on coverage you choose.

Cost range by home warranty provider

Monthly or annual premiums

Most companies let you pay month-to-month or annually, with annual payments often coming at a discount. Your total will depend on the provider and the level of protection you select.

Service call fees

With every claim, you’ll pay a service call fee — like a deductible per visit. For Dallas, expect $75 to $150 each time a technician comes out.

Add-on coverage

Customizing your plan with extras like pool or roof coverage typically costs $2 to $25 per month for each add-on.

Other home warranty cost factors

Home warranty pricing can shift based on:

• Home size and type: More square footage or systems to cover means higher premiums. Condos or townhomes will usually be cheaper to protect.
• Level of coverage: Entry-level plans are affordable but limited; combo plans with high payout caps cost more.
• Location: The intense summer heat in Dallas leads to high AC usage and a corresponding number of claims, which drives up local warranty prices. The potential for widespread service calls after hailstorms can also impact contractor availability and costs.
• Discounts: Many companies offer discounts (e.g., for multiyear plans) and other promotions.

Example: total annual home warranty costs

• Comprehensive coverage ($50 per month): $600 per year
• Add-on for roof leak repair ($10 per month): $120 per year
• Three claims ($100 service fee): $300
• Total: $1,020 per year

Home warranty plans in Dallas usually break down into three coverage types: appliance plans, system plans and combo plans.

• Appliance plans protect your fridge, dishwasher, oven and other major appliances.
• Systems plans cover essentials like AC, plumbing, electrical, and water heaters.
• Combo plans give you both, often with higher coverage limits.

North Texas is part of 'Hail Alley,' and Dallas roofs take a beating from spring and summer storms. Roof leak coverage — especially when caused by hail or wind — is an essential add-on for many Dallas homeowners. Pool coverage is also a popular and necessary option for the many homes that have them to enjoy the long, hot summers.

» MORE: Can you get a home warranty on an older home?

Your savings will come down to which repairs you actually need. One major AC, plumbing or roof repair can outweigh the cost of an entire year’s premium and fees. The Consumer Financial Protection Bureau recommends budgeting 1% to 3% of your home’s value each year for repairs — a home warranty can cover the biggest surprises for less.

Average repair/replacement costs for covered items

In a city like Dallas, where hot and muggy summers strain HVAC systems, expansive clay soil damages plumbing lines and severe thunderstorms lead to roof leaks, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Dallas without a home warranty: