Best overall
Regency Total Warranty
4.1
984 reviews
- Plans available
- 2
- Service fee
- $60 to $100
- Starting cost
- $44.99
- Labor guarantee
- Unclear
Best Home Warranties in Fort Worth, TX
- Best overall
Regency Total Warranty4.1(984) - Claims handling
Old Republic Home Protection3.9(2,066) - Value
American Home Shield3.7(108,818)
By:
Matt Zane
+1 more
Edited by:
Cassidy McCants
Best Home Warranties in Fort Worth, TX
Regency Total Warranty is the best home warranty company in Fort Worth, based on recent reviews from local homeowners. Old Republic Home Protection is a good choice if you want hassle-free claims, and American Home Shield stands out for budget-friendly coverage.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,790,241 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Our 4 home warranty company picks in Fort Worth
- Best overall: Regency Total Warranty
- Best claims handling: Old Republic Home Protection
- Best value: American Home Shield
- Best for quick service: Choice Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in Texas. We choose the best home warranty in Fort Worth by comparing local reviews, plans, costs, coverage caps and labor guarantees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
Compare home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 Regency Total Warranty | Learn More | 4.1
984 reviews
984 reviews
| Best overall | $44.99 | $60 to $100 |
 Old Republic Home Protection | Learn More | 3.9
2,066 reviews
2,066 reviews
| Claims handling | $50 | $100 or $125 |
 American Home Shield | Get a Quote | 3.7
108,818 reviews
108,818 reviews
| Value | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
72,892 reviews
72,892 reviews
| Quick service | $46.83 | $100 |
Our 4 Fort Worth home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, verified reviews from customers in Fort Worth and Texas as a whole on ConsumerAffairs.
Best claims handling
Old Republic Home Protection
3.9
2,066 reviews
- Plans available
- 3
- Service fee
- $100 or $125
- Starting cost
- $50
- Labor guarantee
- None specified
Best value
American Home Shield
3.7
108,818 reviews
- Plans available
- 3
- Service fee
- $100 or $125
- Starting cost
- $29.99
- Labor guarantee
- 30 days
Best for quick service
Choice Home Warranty
4.0
72,892 reviews
- Plans available
- 2
- Service fee
- $100
- Starting cost
- $46.83
- Labor guarantee
- 60 days
Home Warranties in Fort Worth, TX Buyers Guide
Jump into our guides and start learning
In this guide
Homeowners in Fort Worth contend with AC systems failing under extreme heat, plumbing issues from shifting soil and hail damage to outdoor units. A home warranty helps budget for these frequent and expensive problems.
For Fort Worth homeowners, a warranty's value hinges on high-limit AC coverage.
Jump to insightFort Worth home warranty plans cost $30 to $90 per month on average. Your rate depends on the coverage level, your service fee and add-ons.
Jump to insightCoverage limits cap how much the company pays for each repair. An HVAC claim, for instance, might be capped at $3,000.
Jump to insightHow to choose a home warranty in Fort Worth
To choose a home warranty in Fort Worth, compare plans that cover high-use systems like HVAC, check coverage limits and weigh costs against potential repair needs. Here’s how to pick the best plan:
1. Decide what coverage you need
Choosing the right home warranty in Fort Worth means evaluating your home’s risk factors and understanding your budget. Begin by deciding whether you need protection for just appliances, major systems or both. Combination plans are popular in Fort Worth since extreme weather and shifting soil pose risks to both categories.
A plan with a high payout limit for your AC is non-negotiable in Fort Worth. It's equally important to select a policy that offers robust plumbing protection, as shifting clay soil can wreak havoc on pipes.
2. Compare costs
When comparing costs, look beyond the monthly premium. Service fees can add up quickly, especially if you need to file multiple claims.
Consider the true annual value, and remember that a plan with broader coverage for AC and hail damage is often a better investment than a cheaper plan with exclusions. Errol from Fort Worth reported, “My AC blower motor failed and they denied my claim and I had to pay over $600 for the repairs.”
3. Review sample contracts
Be sure to review sample contracts to spot any weather exclusions. Look for clear language that plumbing lines outside your foundation, as this is a common problem area.
4. Read customer reviews
Before finalizing your purchase, read reviews from other North Texas homeowners who have filed claims after major storms. Their experiences with claim approvals and contractor reliability offer invaluable insight into how each company handles urgent and expensive repairs.
For example, Linda from Fort Worth told us about her frustrating experience with a technician. She said, “8 days after reporting my issue I waited for my tech all day and was told at 5:30 that the visit was cancelled.”
» MORE: How to choose a home warranty
How much does a home warranty cost in Fort Worth?
The average annual cost of home warranty premiums is $684 as of June 2025. A Fort Worth home warranty costs between $360 and $1080 per year in Fort Worth, 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
| Company | Monthly premium range | Service call fee | |
|---|---|---|---|
Regency Total Warranty | Learn More | $44.99 to $49.99 | $60 to $100 |
Old Republic Home Protection | Learn More | $50 to $80 | $100 or $125 |
American Home Shield | Get a Quote | $29.99 to $89.99 | $100 or $125 |
Choice Home Warranty | Get a Quote | $46.83 to $54.75 | $100 |
Monthly or annual premiums
Most providers allow you to pay monthly or annually. Paying up front can save you money, but monthly payments help spread out the expense. The price you pay is determined by your plan type and add-ons.
Service call fees
Every time you need a repair, you'll pay a service call fee, typically between $75 and $150. This fee covers the technician’s visit and diagnosis.
Add-on coverage
If you add coverage for items like pools, septic systems or roof leaks, expect to pay an extra $2 to $25 per month per add-on.
Other home warranty cost factors
Several factors influence your total cost:
- Home size and type: Larger homes often need broader coverage, which increases premiums.
- Level of coverage: Lower-cost plans protect fewer items. Comprehensive plans that cover both systems and appliances will cost more.
- Location: The cost of a warranty is affected by your ZIP code.
- Discounts: Some companies provide discounts for annual payments or multi-year agreements.
Example: total annual home warranty costs
- Comprehensive coverage ($65 per month): $780 per year
- Add-on for pool ($10 per month): $120 per year
- Three claims ($100 service fee): $300
- Total: $1,200 per year
What does a Fort Worth home warranty cover?
Home warranty companies in Fort Worth typically offer three types of coverage: appliance plans, systems plans and combination plans. Appliance plans include items like refrigerators and washers, while systems plans focus on essentials like heating, cooling and plumbing. Combination plans deliver the broadest protection.
Many providers let you customize coverage with optional add-ons. In Fort Worth, roof leak coverage should be a top priority due to frequent storms. Pools, spas and septic systems are also popular add-ons, especially for homes on larger lots or with outdoor amenities.
» LEARN: What voids a home warranty
How much can you save with a Fort Worth home warranty?
The actual savings you’ll see from a home warranty in Fort Worth come down to the repairs you need. Covering just one expensive breakdown, such as a failed AC compressor or water heater, can easily make the plan worthwhile.
The Consumer Financial Protection Bureau suggests setting aside 1% to 3% of your home’s value each year for maintenance. A home warranty often costs less than this, especially when you factor in service call fees. Avoiding a single major repair could save you thousands.
Average repair/replacement costs for covered items
In a city like Fort Worth, where hot, muggy summers place a heavy demand on HVAC systems and extremely hard water causes significant damage to 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 Fort Worth without a home warranty:
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC (furnace/AC) | $130 to $530 | $3,000 to $5,000+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
| Plumbing (main line, frozen pipes) | $150 to $800 | $1,500 to $4,000+ | Yes |
FAQ
How does a home warranty work?
A home warranty is like a repair membership for your home. You pay a flat monthly cost, and when your AC or fridge stops working, the warranty company helps cover the repair or replacement bill. You just pay a service fee (like a deductible) for each claim.
Is a home warranty worth it in Fort Worth?
A home warranty can be worth it if you want to protect yourself from unexpected repair or replacement costs. For homeowners with brand-new appliances or who are handy with repairs, a warranty may not be cost-effective. In these cases, the premium and service fees might outweigh any savings.
What does a home warranty not cover?
Most home warranty contracts don’t cover preexisting conditions or cosmetic damage. Items that are improperly installed or still under a manufacturer’s warranty are also typically excluded. The home warranty applies only to properly installed systems and appliances.
A Fort Worth home warranty will not cover the cost of foundation repair, even if the shifting foundation caused a covered break in your home's plumbing line.
Coverage limits also apply. A warranty could have a $3,000 cap on plumbing repairs. If the total bill is $4,500, you’re responsible for the extra $1,500 in addition to the service fee.
Methodology
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Fort Worth, then evaluated which performed best for local residents.
We prioritized real customer experiences in Fort Worth and also gave extra weight to reviews from Texas. National reviews were also considered, but with much lower weighting. Our review evaluation focused on seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
In addition to reviews, we compared the companies on:
- Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
- Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
- Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
- Service call fee: We looked at the service fee each company charges to send a technician to your house to ensure our top picks are in line with industry standards.
- Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
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Read Fort Worth home warranty company reviews
| Company | Customer rating | About | Learn More |
|---|---|---|---|
| 4.1
984 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
| 3.9
2,066 reviews
| Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state but expect to pay around $600 to $700 per year for Platinum coverage. Deductible averages $75. | Read reviews |
| 3.7
108,818 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
| 4.0
72,892 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
 | 5.0
6 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
 | 4.3
1,339 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
 | 4.0
12,187 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
 | 4.0
8,874 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
 | 4.2
455 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
 | 4.2
2,752 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
 | 3.7
15,948 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
 | 1.9
619 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
 | 2.0
132 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
 | 1.5
2,027 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
 | 1.3
324 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
 | 1.4
12 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
 | 1.1
346 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
 | 1.1
109 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
 | 1.1
4,023 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
 | 1.1
1,942 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
 | 1.1
6,703 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
 | 1.1
335 reviews
| Provides multiple plan options in nine states for existing homes and new construction. Deductibles vary by state, but expect to pay around $75. Offers optional add-on coverage for special items, including roof leak repair. | Read reviews |
 | 1.0
426 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
 | 1.2
2,018 reviews
| Offers plans in Nevada, Arizona, Utah, Texas, Oregon and Idaho. Prices vary, but expect to pay around $61.25 per month for a combo plan. Deductibles are $70 or $100. Pest control, re-key and termite coverage included. | Read reviews |
 | 1.0
815 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
 | 1.0
873 reviews
| Offers three home protection plans for residents of Nevada, Texas and Arizona. Premiums vary by state, but expect to pay from $32 per month to $59 per month. Deductibles are $69. Some home maintenance services included. | Read reviews |
 | 1.2
23 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
 | 1.0
2,271 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
 | 1.0
384 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
 | 1.0
View profile
| In business for over 40 years. Provides home warranties in Arizona, Florida, Nevada and Texas. 18 local service centers. Provides service technicians for service calls. Starting prices range from $270 to $950 per year. | Read reviews |
 | No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
 | No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. |
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