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Best Home Warranties in Texas

Take a Home Warranty Quiz. Get matched with an Authorized Partner.

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    by Taylor Sansano Contributing Writer

    Our research team vetted 21 home warranty companies that are rated by more than 7,505 customers in Texas. Read our guide to choose the best home warranty in Texas for you by comparing plans, contract lengths and service fees.

    Why trust ConsumerAffairs?
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    Key Insights

    Our 5 Texas home warranty picks

    Here are our favorite home warranty companies in Texas, based on local reviews:

    Methodology

    To select our top picks, we started with the home warranty companies available in Texas on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Texas, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

    Compare Top Texas Home Warranty Companies

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      Our top pick overallAmerican Home ShieldAUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: $75, $100 or $125

      American Home Shield provides service plans to more than 2 million homeowners and real estate agents nationwide. These plans cover up to 23 major home systems and appliances, and you have the option to customize your plan to fit your needs with additional coverage or tailored service fees. All repairs can be booked through its online portal and are backed by a 30-day workmanship guarantee.

      We’ve compared this company’s plans based on select coverage items below.

      ShieldSilverShieldGoldShieldPlatinum
      Monthly premium cost*$29.83 to $44.83$39.83 to $54.83$59.83 to $74.83
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-on
      ShieldSilver$29.83 to $44.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldGold$39.83 to $54.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldPlatinum$59.83 to $74.83$75, $100 or $125Add-onAdd-onAdd-on

      *For a home in Dallas at the time of publishing

      Reviews for American Home Shield in Texas are overwhelmingly positive. As a result, it has the best ratio of 5-star to 1-star reviews of any of our top picks.

      Steven from Harker Heights wrote in his review that "it's pretty awesome to pay a certain packet to get these things done. When something like a water heater goes out, it's a significant thing to have to pay for so we were very happy all-around with the packet we paid for versus having to buy one on sale. My wife and I were very pleased how things went down overall."

      "There was something going on the outside air conditioning unit. … It was a very hot day. Had a home office in the area that was impacted. So being able to have it fixed allowed me to turn the air conditioner on and allowed me to complete my work in a much more comfortable environment,” wrote Rodney from Plano. “I was pleased that it was dealt with quickly and efficiently."

      Our pick for fast serviceChoice Home WarrantyAUTHORIZED PARTNER
      • Number of plans: 2
      • Contract length: 1 year
      • Service fee range: $85

      Nationwide, more than 1 million homes are covered by a Choice Home Warranty plan, and at the time of publishing, all new plans come with one free month of service.

      When you submit a claim through CHW, you’re connected to one of its over 15,000 contractors. The company’s service agreement states that it will initiate a service request within four hours of your claim, and subsequent visits to fix failed work within 30 days of the repair are not subject to service fees.

      We’ve compared this company’s plans based on select coverage items below.

      Basic planTotal plan
      Monthly premium cost*$49.16$57.50
      Service call fee*$85$85
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigeratorAdd-onAdd-on
      Septic pumpAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-on
      Well pumpAdd-onAdd-on
      Basic plan$49.16$57.50Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Total plan$49.17$57.50Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Dallas at the time of publishing

      Texans seem to appreciate Choice Home Warranty’s speed and convenience, according to local reviews.

      Edward from Crosby wrote, “I was very surprised with the same-day response by the Technician. He quickly diagnosed the problem and it was submitted to Choice Home Warranty for decision. It was approved the next day the fan was replaced and all is well. The AC was out a total of two days. Great response by Choice Home Warranty and the technician.”

      Other reviewers had similar experiences even when they had to work around scheduling issues. "Submitted my claim on a Friday am, tech emailed for that Friday pm, called tech to ask for change of date due to my work schedule,” wrote David from Humble. “Reschedule for 11 am on the following Monday, tech was here at 11:05, repair was completed by 11:45. Very friendly and open on repair."

      Our pick for low service feesSelect Home WarrantyAUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: Typically $60 to $75

      Select Home Warranty offers home warranty policies for many types of homes, including rental properties, condos and multifamily buildings. These plans cover all makes and models of appliances as long as they’re properly maintained, and the company doesn’t require a home inspection before you sign up.

      All claims can be submitted online or by phone, and Select Home Warranty does not limit your number of covered repairs throughout the year.

      We’ve compared this company’s plans based on select coverage items below.

      Bronze CareGold CarePlatinum Care
      Monthly premium cost*$60.42$60.42$65.83
      Service call fee*Typically $60 to $75Typically $60 to $75Typically $60 to $75
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-on
      Bronze Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Care$60.42$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Care$65.83Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Dallas at the time of publishing

      Select Home Warranty has some of the lowest service fees of our top picks, and customers in Texas seem pleased with the value of their plans.

      “Great price and very easy process. The representative was very helpful,” wrote LaTosha from Tyler in her review. ”This will be my 2nd year with Select and I was very satisfied with the first year. Looking forward to year two! They were able to fix my heater, dryer, and garage door with the low cost deductible price.”

      Sierra from Hockley wrote, “They were fast, fair, and so friendly! I was nervous as a first time home buyer for home insurance but they have great coverage with wonderful prices that you just can’t beat. I would definitely recommend this to a friend. ... I’m so glad we went with these guys for our home insurance!”

      Our pick for customer serviceAmerican Residential WarrantyAUTHORIZED PARTNER
      • Number of plans: 4
      • Contract length: Month to month
      • Service fee range: Varies

      American Residential Warranty offers customizable home warranty options, letting you bundle plans or tailor coverage to fit your needs and budget. If your needs change within 30 days of sign-up, you have the flexibility to adjust your coverage as needed.

      All claims must be submitted by phone with one of its representatives, and American Residential Warranty makes efforts to initiate service requests within 48 hours of receiving a claim.

      We’ve compared this company’s home warranty plans based on select coverage items below.

      Kitchen plusHeating & coolingPlatinumPlatinum premier
      Monthly premium cost*$34.99$39.99$49.99$59.99
      Service call fee*VariesVariesVariesVaries
      Built-in microwavesAdd-on
      Clothes dryersAdd-onAdd-onAdd-onAdd-on
      Clothes washersAdd-onAdd-onAdd-onAdd-on
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      PlumbingAdd-onAdd-onAdd-on
      Water heatersAdd-on
      PoolsAdd-onAdd-onAdd-onAdd-on
      Roof leak repairs
      Second refrigeratorAdd-onAdd-onAdd-onAdd-on
      Septic pump
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-onAdd-on
      Kitchen plus$34.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Heating & cooling$39.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Platinum$49.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Platinum premier$59.99VariesAdd-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Dallas at the time of publishing

      American Residential Warranty’s local reviews frequently mention positive experiences with its customer service team, and Texans often praise employees by name.

      “Sharlene was very helpful ensuring my payment had processed,” wrote Elizabeth from Killeen. “I always get a reminder if I forget my payment because and the ease of everything being online. Knowing that I have American Residential Warranty is a relief knowing my appliances and HVAC are insured.”

      “Laresha was outstanding and Santiago was also very quick to take care of an email issue promptly,” according to Steven from San Antonio. “I really appreciate the emails and the sympathy to care about my finances in order for me to make payments at a reasonable price.”

      Our pick for long-term contractsAmerica's 1st Choice Home ClubAUTHORIZED PARTNER
      • Number of plans: 4
      • Contract length: 1 or 3 years
      • Service fee range: $75, $100 or $125

      America’s 1st Choice Home Club offers four plans, covering up to 24 major appliances and systems. You lock in your price when you sign your contract, so there are no price hikes. AFC offers immediate coverage for customers who agree to undergo a home inspection, and you can choose your own licensed, insured technician. Repairs are then guaranteed for the lifetime of your plan.

      We’ve compared this company’s plans based on select coverage items below. It’s worth noting that the prices in this table are based on a 12-month payment plan over one year of coverage. For a three-year contract, your monthly cost will increase, but the payment term is for just 20 months of the 36 you’re covered for.

      Systems PlanSilver PlanGold PlanPlatinum Plan
      Monthly premium cost*$37.17 to $41.58$30.67 to $35$43.75 to $48.17$48.17 to $52.50
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwavesAdd-onAdd-onAdd-on
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-onAdd-on
      Roof leak repairs
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-onAdd-on
      Systems Plan$37.17 to $41.58$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Silver Plan$30.67 to $35$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Plan$43.75 to $48.17$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Plan$48.17 to $52.50$75, $100 or $125Add-onAdd-onAdd-onAdd-on

      *For a home in Dallas at the time of publishing

      Reviews for America’s 1st Choice Home Club in Texas are positive, and reviewers frequently mention helpful salespeople and quality service.

      "The whole experience was very positive, AFC was able to get a plumber for us in a decent amount of time, especially considering that we have had major plumping issues here in Houston with the major freezing temperatures we had a month ago,” wrote Juan from Houston. “It was a real pleasure working with AFC and I will definitely recommend it to a friend."

      Marcus from San Antonio also needed help after inclement weather, writing that he “had a plumbing issue at a rent house. Even though we were in the middle of a snowstorm AFC came through. ... I have had home warranties before but never one that had such great follow up. Not exaggerating, AFC contacted me at least ten times throughout the process. They were great.”

      What to know about buying a home warranty in Texas

      dallas texas skyline

      While they say everything is bigger in Texas, the cost of repairing your home doesn’t have to be. Buying a home warranty can protect your wallet from unexpected repair bills for covered home systems and appliances.

      Because much of Texas experiences all four seasons, having a well-rounded plan is pretty important in the Lone Star State. Whether you’re dealing with a heat wave or a cold snap, coverage for major home systems, like your air conditioning and plumbing, means that you can keep your home comfortable without having to pay an arm and a leg for a repair bill.

      Another factor to consider is your home warranty company’s reputation for customer service and support. Because Texas weather can change quickly and drastically, you want to work with a company you can trust to repair an item as soon as possible, even in an emergency.

      Home warranty regulations in Texas

      Home warranties, also known as service contracts, are regulated by the Service Contract Regulatory Act in Texas. As of Sept. 1, 2021, this act is enforced by the Texas Department of Licensing and Regulation (TDLR).

      According to the Service Contract Regulatory Act, warranty companies in Texas must maintain one of these three financial security items in order to protect consumers:

      • A reimbursement insurance policy
      • A funded reserve account and a security deposit
      • A net worth of at least $100 million

      Each customer in Texas must, by law, be given their own copy of the service contract with enough time to cancel and receive a full refund.

      Based on Texas law, service contract providers also have to allow buyers to cancel their service contract at any time. If you cancel before the 31st day of your contract, you’re eligible for a full refund with no cancellation fee (minus any claims paid). If you cancel after that, the warranty company must give you a prorated refund, and they can charge up to $50 in cancellation fees.

      If you have an issue with your home warranty company, you can provide a statement to TDLR.

      Texas home warranty FAQ

      Based on quotes from our top picks, people pay roughly $30 to $60 per month for home warranties in Texas, though more expensive options are available.

      Where you fall in that range depends on the level of coverage you get and what options you choose. If you pick a basic policy with a high service fee, you’ll likely have a lower monthly or annual cost, but you’ll pay more when you need help.

      It depends. In many cases, homeowners find the cost of the warranty worth it just for the peace of mind it provides. Some people even save thousands of dollars on covered repairs or replacements. However, that’s not always the case; in some situations, you may end up spending more for the warranty than you would have for a repair.

      If you’re on a tight budget and think that one or two unexpected repairs could really harm you financially, a home warranty can help you budget financially in a more predictable way, though.

      In short, you don’t need a home warranty. They're completely optional service contracts designed to help cover some of the costs of homeownership.

      While they’re not required in the way that homeowners insurance often is, they can offer a few benefits, including:

      • Protection against large, out-of-pocket repair bills
      • A simplified way to budget for home repairs
      • Access to a network of contractors (especially helpful if you’re new to Texas)
      • Guarantees on service after it's completed
      • Incentive for homebuyers

      If these are things are important to you, a home warranty might be a good idea.

      Bottom line

      Buying a home warranty in Texas is a pretty simple task as long as you understand what you’re getting into and make sure you’re buying the right plan for your needs and budget. For more information, check out our home warranty cost resource, home warranty coverage resource and home warranty buyers guide.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. Texas Law State Library, “General Information.” Accessed November 14, 2021.
      2. Texas Department of Licensing and Regulation, “Service Contract Providers Laws And Rules.” Accessed November 14, 2021.

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        Compare Top Texas Home Warranty Companies

        by Taylor Sansano Contributing Writer

        Taylor Sansano has been writing for ConsumerAffairs since 2018. She’s contributed to consumer resources, local guides and company profiles on a wide variety of topics, helping consumers make smart purchasing decisions at multiple stages of life. She holds a bachelor’s degree in journalism and a master’s degree in liberal arts.

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