Best overall
First American Home Warranty
4.1
8,969 reviews
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best Home Warranty Companies in Texas
- Best overall
First American Home Warranty4.1(8,969) - Claims handling
Old Republic Home Protection3.9(2,205) - Value
Cinch Home Services4.2(12,411)
By:
Taylor Sansano
+3 more
Best Home Warranty Companies in Texas
First American Home Warranty is our top pick for Texas homeowners, thanks to coverage options that better fit the state's slab-leak risks and positive local reviews. Much of Texas sits on expansive clay soil that shifts with droughts and heavy rains, stressing buried plumbing and leading to expensive leaks under concrete foundations.
Home warranties also cover everyday appliances, like refrigerators and dishwashers, as well as your home's major systems, like AC and heating. In Texas, home warranty plans typically cost about $27.99 to $91.66 per month.
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- Our recommendations are based on what reviewers say.
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First American Home Warranty is our pick for the best home warranty company in Texas because its optional coverage provides higher limits for accessing plumbing leaks under concrete foundations.
Jump to insightIn Texas, home warranty plans average $61.55 per month, with typical annual pricing ranging from $335 to $1,100, depending on the coverage level.
Jump to insightIf you live in an area with shifting soil, prioritize plans that help pay for the labor and concrete work needed to reach plumbing leaks beneath the slab — not just the pipe repair itself.
Jump to insightOur 4 home warranty company picks in Texas
- Best overall: First American Home Warranty
- Best claims handling: Old Republic Home Protection
- Best value: Cinch Home Services
- Best coverage variety: American Home Shield
Our research team vetted home warranty companies that are rated by hundreds of customers in Texas. Read our guide to choose the best home warranty in Texas for you by comparing plans, contract lengths and service fees.
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) | |
|---|---|---|---|---|---|
 First American Home Warranty | Get a Quote | 4.1
8,969 reviews
8,969 reviews
| Best overall | $47 | $100 or $125 |
 Old Republic Home Protection | Learn More | 3.9
2,205 reviews
2,205 reviews
| Claims handling | $50 | $100 or $125 |
 Cinch Home Services | Learn More | 4.2
12,411 reviews
12,411 reviews
| Value | $38.99 | $100 to $150 |
 American Home Shield | Get a Quote | 3.6
110,621 reviews
110,621 reviews
| Coverage variety | $29.99 | $100 or $125 |
Our 4 Texas home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Texas on ConsumerAffairs.
Best claims handling
Old Republic Home Protection
3.9
2,205 reviews
- Plans available
- Basic, Deluxe and Elite
- Monthly premium range
- $50 to $80
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Best value
Cinch Home Services
4.2
12,411 reviews
- Plans available
- Appliances, Built-in Systems and Complete Home
- Monthly premium range
- $38.99 to $66.99
- Service fees
- $100, $125 or $150
- Labor guarantee
- 180 days
Best coverage variety
American Home Shield
3.6
110,621 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best home warranty companies by city
Home Warranties in Texas Buyers Guide
Jump into our guides and start learning
In this guide
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.
Given Texas' varied climate, a well-rounded plan covering major systems like AC and plumbing is a smart idea.
Jump to insightThe average monthly home warranty cost in Texas is $61.55. Annual costs typically fall between $335 and $1,100. You will likely pay a service fee of $75 to $150 per claim.
Jump to insightHome warranties in Texas are regulated by the Texas Department of Licensing and Regulation (TDLR) under the Service Contract Regulatory Act.
Jump to insight
How to choose a home warranty in Texas
To decide which Texas home warranty is right for you, start by considering the age and condition of your key appliances and systems. Compare what each plan covers, request quotes and look over sample contracts. Reading real customer reviews will give you insights into how companies handle claims and service appointments.
1. Decide what coverage you need
Think about which parts of your home are most likely to need repairs. If your kitchen appliances are older but your HVAC and plumbing are new, an appliance-focused plan may be best. If you want protection for high-cost systems like heating, AC or electrical, a systems-only plan could save you money.
Combo plans give you both. Many Texans choose combination plans for complete peace of mind and higher coverage limits. If you live in areas like Dallas–Fort Worth, Houston or Austin, summer heat can put significant strain on air conditioning systems.
2. Compare costs
Don’t just look at the monthly price — consider what you’ll actually pay if you have several claims. Every claim comes with a service fee, usually between $75 and $150, so it’s important to factor these in when comparing providers. Higher premiums can mean fewer out-of-pocket costs for big repairs.
Dana from North Richland Hills questioned the cost-effectiveness of their protection plan. “I pay $100 monthly, plus another $100 deductible. While it offers protection, there are numerous things not covered, like replacement parts for HVAC systems, which can drag out fixes for days.”
Check coverage limits too, since each plan sets a maximum payout for certain items. Add-ons, like roof leak or pool coverage, will increase your total price and are worth considering if you want extra peace of mind.
3. Review sample contracts
Sample contracts are available online from most home warranty providers. These documents tell you exactly what’s covered, what’s excluded and how the claims process works. Pay attention to exclusions, coverage caps, cancellation fees and any fine print about preexisting conditions or improper installation.
Reading the sample contract line by line can also save you from surprises later. Mia in Dallas put it plainly: "You may think you know how it works due to experience with other places but they hide abnormalities in the contract and don't disclose upfront. Cons: You're in a contract even if you pay monthly. That's not disclosed upfront."
4. Read customer reviews
Customer reviews are a valuable source of information about what happens after you sign up. Look for trends in how quickly companies approve claims, the professionalism of service technicians and the overall experience with support staff.
Reading reviews helps you see which providers are most reliable when you need them most. Positive feedback often points to smooth claims and quick repairs, while negative reviews may highlight surprise denials or hidden charges.
How much does a home warranty cost in Texas?
A home warranty in Texas costs $61.55 per month on average. Home warranty premiums generally range from $27.99 to $91.66 per month, depending on the plan. The average cost of a home warranty in Texas is 9% lower than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in Texas for a three-bed, two-bath home in Houston.
| Provider | Monthly premium range* | Service call fee |
 | $42.03 to $82.03 | $100 or $125 |
 | $50 to $80 | $100 or $125 |
 | $27.99 to $89.99 | $100 to $150 |
 | $29.99 to $89.99 | $100 or $125 |
| $42.03 to $82.03 | $100 or $125 |
| $50 to $80 | $100 or $125 |
| $27.99 to $89.99 | $100 to $150 |
| $29.99 to $89.99 | $100 or $125 |
*Data updated January 2026*
Monthly or annual premiums
Paying for your plan annually can often save you money compared to monthly payments, so ask each provider about available discounts.
Service call fees
Each time you file a claim, you pay a service call fee for a technician to visit your home and diagnose the problem. Home warranty providers usually charge $75 to $150 per visit.
Some companies let you choose your service call fee when you sign up. Choosing a higher service call fee typically reduces your monthly premium.
Add-on coverage
Many home warranty companies allow you to customize your plan with add-ons not covered in the base plan. Add-ons range from $2 to $25 per month, depending on the item.
Other home warranty cost factors
Home warranty prices vary widely depending on a few factors:
- Home size: Companies charge more for larger homes.
- Level of coverage: Cheaper home warranty plans generally cover fewer items.
- Location: Location-related factors including local labor costs can affect what you pay.
- Discounts: Many companies offer discounts (e.g., for multiyear plans) and other promotions.
Example: total annual home warranty costs
- Systems and appliances combo plan ($48 per month): $576 per year
- Add-on for well pump protection ($8 per month): $96 per year
- Four claims ($90 service fee): $360
- Total: $1,032 per year
What does a Texas home warranty cover?
A home warranty in Texas typically covers major systems and appliances that break down due to normal wear and tear. This includes HVAC systems, plumbing, electrical systems, water heaters and common kitchen appliances like refrigerators, ovens and dishwashers. Many plans also offer optional add-ons for items like pools, spas, septic systems and roof leak repairs.
Reviewers' experience filing home warranty claims in Texas
Robert in Spring likes the peace of mind that comes from a straightforward claim. He shared, “The process for a claim is super easy and the response is almost immediate along with updates and info on who will be the designated repair company.” With that fast coordination, the monthly cost feels like a smart tradeoff versus a sudden big bill.
Key takeaway: Fast, simple claims make monthly payments feel worthwhile
Craig in College Station expected a straightforward claim, but says the process dragged on, and the back and forth kept adding days. In his words, “Every time information is provided to them it takes 24-48 hours for them to respond.” For him, that delay meant living without AC far longer than felt reasonable.
Key takeaway: Slow claim processing can turn repairs into a long wait
Ashley in Spring expected her claim to go through, but each visit ended the same way. “They deny every claim,” she says, adding that even three different repairmen told her they had “NEVER seen a claim approved.”
Key takeaway: Repeated denials can make coverage feel pointless
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. Service contract providers also have to allow buyers to cancel their service contracts 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 the TDLR.
FAQ
Is a home warranty worth it in Texas?
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 one or two unexpected repairs could really harm you financially, a home warranty can help you budget in a more predictable way.
Is a home warranty required in Texas?
No, a home warranty is not required in Texas. In short, you don’t need a home warranty. These are 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 that are important to you, a home warranty might be a good idea.
» LEARN MORE: How much does appliance repair cost?
What’s the difference between a home warranty and homeowners insurance?
Home warranties and home insurance policies are two distinct forms of protection. Homeowners insurance is required by mortgage lenders and covers damage to your home and belongings due to events like fires, storms and theft.
A home warranty, on the other hand, is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear.
» COMPARE: Home warranty vs. home insurance
Do home warranties in Texas cover older systems and appliances?
Many home warranty plans in Texas do cover older systems and appliances, provided they meet the company's eligibility requirements and did not have a known preexisting condition. If your appliance or system fails due to normal wear and tear, most warranties will still honor the claim. It’s useful to review any plan exclusions or age limits — some companies place additional restrictions on units past a certain age.
Can a home warranty be transferred to a new homeowner in Texas?
In many cases, yes, home warranties are transferable. Most home warranty contracts in Texas allow the transfer of coverage to a new owner if you sell your home. The transfer process often requires notifying the warranty provider and completing a short form or updating the contract details. This can actually add value for a potential homebuyer.
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 Texas, then evaluated which performed best for local residents.
Here's how we scored each company:
- Plumbing and slab access (40%): Texas's expansive soil often causes ground movement that snaps plumbing lines buried beneath the foundation. We scored companies with high coverage limits for slab access (the cost to break through and restore concrete) much higher than those that strictly cover the plumbing repair while excluding the expensive excavation work.
- Local satisfaction rate (35%): Reviews from real customers in Texas are worth more than a company's nationwide reputation. If a company has a poor technician network locally or frequently denies Texas homeowners' most frequent complaints, we capture that in our review analysis.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Texas. We also considered the lowest service fees each company offers.
- National satisfaction rate (10%): To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
- Additional benefits (5%): We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
Note: Each superlative emphasizes certain factors more than others. For example, the "Best value" superlative weights cost at 20%, while "Best claims handling" gives more weight to reviews that mention the claims process and customer service.
Guide sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
- Texas State Law Library, "General Information". Accessed Jan. 24, 2026.
- Texas Department of Licensing & Regulation, "Service Contract Providers Laws and Rules". Accessed Jan. 24, 2026.
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Compare reviews of Texas home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
First American Home Warranty
| 4.1
8,969 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 |
|
Old Republic Home Protection
| 3.9
2,205 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 |
|
Cinch Home Services
| 4.2
12,411 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. | Read reviews |
|
American Home Shield
| 3.6
110,621 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 |
Prestige Home Guard
| 4.6
9 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 |
Liberty Home Guard
| 4.5
1,670 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 |
HomeSafe
| 4.4
570 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 |
ARW Home
| 4.4
2,877 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 |
Choice Home Warranty
| 4.0
75,190 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 |
Select Home Warranty
| 3.8
16,338 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Regency Total Warranty
| 3.8
1,109 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 |
Achosa Home Warranty
| 1.9
9 reviews
| Established in 2018. Serves 26 states. Coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee. Allows customers to choose their own licensed contractor. | Read reviews |
HomeServe
| 1.6
2,100 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 |
First Premier Home Warranty
| 1.7
652 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 |
GE Service Contracts
| 1.3
346 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 |
ServicePlus Home Warranty
| 1.3
1,958 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 |
Super
| 1.3
434 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 |
America's Preferred Home Warranty
| 1.4
14 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 |
Sears Home Services
| 1.1
444 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 |
2-10 Home Buyers Warranty
| 1.2
6,746 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
Home Warranty of America
| 1.0
4,037 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 |
Fidelity National Home Warranty
| 1.2
346 reviews
| Fidelity National Home Warranty provides home warranties for single-family and multi-family homes. The service fee is $95 and work is guaranteed for 30 days. Service providers are called within three business hours of the claim. | Read reviews |
The Home Service Club
| 1.2
819 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 |
OneGuard Home Warranties
| 1.0
876 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 |
Landmark Home Warranty
| 1.0
2,020 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 |
AFC Home Warranty
| 1.0
2,280 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 |
American Home Protect
| 1.0
136 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 |
Frontdoor
| 1.0
26 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 |
Home Warranty Inc
| 1.0
18 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Global Home USA
| 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Acclaimed Home Warranty
| 1.0
View profile
| Operates in Arizona, Idaho, Nevada, Texas, and Utah. Covers unknown preexisting conditions. Covers seasonal tune-ups. Appliances like washers, dryers and refrigerators require add-on coverage. $1,500 overall coverage limit. | Read reviews |
BFS Home Warranty
| 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 |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
Armadillo Home Warranties
| 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. | |
Complete Protection Home Warranty
| No reviews | Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | |
Everything Breaks Home Warranties
| 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. | |
Elite Home Warranty
| 1.1
110 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 |
AHW Home Warranty
| 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 |
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