Best Home Warranties in San Antonio, TX

Choosing a home warranty in San Antonio starts with understanding which systems and appliances are most at risk. Follow these steps to pick the right provider:

1. Decide what coverage you need

First, determine if you need coverage for just appliances, just systems or a combination of both. For San Antonio, a combo plan is often best, since AC, water heaters and dishwashers are all susceptible to the city’s climate and water quality.

San Antonio residents should make AC coverage their number one priority. Beyond that, look for plans that explicitly cover failures in water heaters, dishwashers and plumbing systems caused by mineral buildup. Hard water is a pervasive issue that shortens appliance lifespans.

2. Compare costs

Monthly premiums are just one part of your total cost. Make sure to factor in service call fees, which typically run $75 to $125 per visit. These fees add up if you file several claims a year.

When comparing costs in San Antonio, a plan that seems cheaper upfront may be a poor value if it has low caps on AC repairs or excludes hard water damage. It's often worth paying more for a plan that acknowledges and covers these specific local challenges.

Coverage caps and add-on pricing can greatly affect your annual spending, especially if you want protection for a pool, roof or extra appliances.

3. Review sample contracts

Carefully review sample contracts to see exactly what’s included. Check for exclusions related to scale, sediment or mineral buildup — many basic plans don’t cover hard water damage.

Check sample contracts for language about hard water (scale, sediment and mineral buildup). Many basic plans exclude damage from these conditions.

Nancy from Odessa ran into this problem: “Select did not cover any of my repairs including air conditioner, heater, and washer.” 

4. Read customer reviews

Customer reviews offer a clear window into how companies handle claims and service visits. Look for feedback from San Antonio residents, especially those who have filed claims for water heaters or dishwashers.

Beyond that, look for reviews that mention a smooth claims process or responsive customer service, as these are likely to be some of the main headaches you might encounter. Watch out for reviews that complain about denied claims and hidden costs.

» COMPARE: Best home warranty plans in the U.S.

The average annual cost of home warranty premiums is $684 as of June 2025. A San Antonio home warranty costs between $360 and $1,080 per year, based on plans from our top picks. Your final price will depend on the provider, plan type, service fee and any add-ons you select.

Cost range by home warranty provider

Monthly or annual premiums

You can pay for your home warranty monthly or annually. Monthly payments help with budgeting, while annual payments typically offer a discount.

Service call fees

Every time you request service, you’ll pay a service fee, which works much like a per-claim deductible. Fees usually range from $75 to $150, depending on your provider and plan.

Add-on coverage

Add-ons allow you to customize your plan for needs like pool coverage or extra appliances. Expect to pay $2 to $25 per month for each add-on you choose.

Other home warranty cost factors

Your price will vary based on:

• Home size and type: Larger homes need broader coverage, which can raise premiums. Smaller homes or condos are usually less expensive to cover.
• Level of coverage: Affordable home warranty plans tend to have fewer covered items. Comprehensive combo plans will cost more.
• Location: Home warranty pricing in San Antonio is influenced by local labor costs.
• Discounts: Look for multiyear plans, annual billing and promotional offers.

Example: total annual home warranty costs

• Comprehensive coverage ($65 per month): $780 per year
• Add-on for pool and spa ($15 per month): $180 per year
• Add-on for roof leak repair ($10 per month): $120 per year
• Four claims ($125 service fee): $500
• Total: $1,580 per year

San Antonio home warranty plans are available as appliance-only, systems-only or combination plans. Appliance plans usually cover things like refrigerators, dishwashers and laundry equipment, while systems plans focus on essentials such as heating, AC, plumbing and electrical.

Combo plans are popular because they provide broad coverage for both appliances and systems. They also tend to come with higher coverage caps. 

Optional add-ons can help you tailor your protection. A common add-on for a San Antonio home is pool and spa equipment coverage to handle the long swim season. Water softener protection is also a highly recommended add-on to help mitigate the effects of hard water on all your home's systems.

» LEARN: Home warranty misconceptions

Savings from a home warranty depend on the number and type of repairs you need in a year. With extreme weather and hard water, costly breakdowns are common in San Antonio. Avoiding just one major repair, like an HVAC or water heater replacement, can quickly offset the cost of a warranty.

The Consumer Financial Protection Bureau suggests saving 1% to 3% of your home’s value annually for maintenance. In most cases, that’s more than the $700 to $1,200 you’d spend on a warranty and a few service fees.

Average repair/replacement costs for covered items

In a city like San Antonio, where intense heat overworks HVAC systems and extremely hard water leads to premature failure of water heaters and washing machines, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in San Antonio without a home warranty: