Best overall
Regency Total Warranty
4.1
1,009 reviews
- Plans available
- 2
- Service fees
- $60 to $100
- Starting costs
- $44.99
- Labor guarantee
- Unclear
Best Home Warranties in Texas
- Best overall
Regency Total Warranty4.1(1,009) - Claims handling
Old Republic Home Protection3.9(2,084) - Value
American Home Shield3.7(109,256)
By:
Taylor Sansano
+2 more
By:
Alina Bradford
Edited by:
Cassidy McCants
Best Home Warranties in Texas
Based on verified reviews from local homeowners, Regency Total Warranty is the best home warranty company in Texas. Old Republic Home Protection is a good choice if you want a smooth claims process, and American Home Shield stands out for affordable coverage.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,805,835 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 5 home warranty company picks in Texas
- Best overall: Regency Total Warranty
- Best claims handling: Old Republic Home Protection
- Best value: American Home Shield
- Best for quick service: Choice Home Warranty
- Best coverage variety: Liberty Home Guard
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) | |
|---|---|---|---|---|---|
 Regency Total Warranty | Learn More | 4.1
1,009 reviews
1,009 reviews
| Best overall | $44.99 | $60 to $100 |
 Old Republic Home Protection | Learn More | 3.9
2,084 reviews
2,084 reviews
| Claims handling | $50 | $100 or $125 |
 American Home Shield | Get a Quote | 3.7
109,256 reviews
109,256 reviews
| Value | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
73,342 reviews
73,342 reviews
| Quick service | $46.83 | $100 |
 Liberty Home Guard | Get a Quote | 4.4
1,407 reviews
1,407 reviews
| Coverage variety | $49.99 | $65 to $125 |
Our 5 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
2,084 reviews
- Plans available
- 3
- Service fees
- $100 or $125
- Starting costs
- $50
- Labor guarantee
- None specified
Best value
American Home Shield
3.7
109,256 reviews
- Plans available
- 3
- Service fees
- $100 or $125
- Starting costs
- $29.99
- Labor guarantee
- 30 days
Best for quick service
Choice Home Warranty
4.0
73,342 reviews
- Plans available
- 2
- Service fees
- $100
- Starting costs
- $46.83
- Labor guarantee
- 60 days
Best coverage variety
Liberty Home Guard
4.4
1,407 reviews
- Plans available
- 3
- Service fees
- $50 to $125
- Starting costs
- $49.99
- Labor guarantee
- 60-day workmanship warranty
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. For more information, check out our larger home warranty buyers guide and our home warranty coverage article.
Home warranties in Texas typically cost around $30 to $90 per month, though your total depends on your plan, service fees, any add-ons and the type of home you live in.
Jump to insightGiven Texas' varied climate, a well-rounded plan covering major systems like AC and plumbing is a smart idea.
Jump to insightHome warranties (service contracts) in Texas are regulated by the Texas Department of Licensing and Regulation (TDLR) under the Service Contract Regulatory Act.
Jump to insightTexas law requires warranty companies to allow cancellation with a full refund within the first 30 days of purchase.
Jump to insight
How much does a home warranty cost in Texas?
Based on quotes from our top picks, people pay roughly $30 to $90 per month for home warranties on average, though more expensive options are available (as well as some cheaper a la carte options).
The total cost usually depends on the following:
- The scope of your base plan (basic, systems‑only, appliance‑only or combo)
- Any optional add‑ons (e.g., roof, pool or second refrigerator)
- Your service fee
- Home size and location
» MORE: Home warranty costs
How to choose a home warranty in Texas
While they say everything is bigger in Texas, the cost of repairing your home doesn’t have to be. A home warranty can protect your wallet from unexpected repair bills for covered home systems and appliances.
Not all systems are included in every home warranty policy, so it’s important to make sure you get the right coverage.
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 you can keep your home comfortable without paying large repair bills.
Typical plan structures you'll see in Texas include:
- Appliance‑only plans: These cover kitchen and laundry appliances.
- Systems‑only plans: System-focused plans cover HVAC, plumbing and electrical systems.
- Combo or whole‑home plans: This coverage, which bundles appliance and system coverage, is the most popular option.
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.
» LEARN MORE: How to choose a home warranty company
What Texans say about home warranties
Texans’ firsthand stories highlight exactly what matters — from fast AC fixes in triple-digit heat to reasonable response times — when you’re picking a home warranty. Some takeaways from reviews on our site:
- Timely help is essential during the state’s brutal summers, as Thomas in Austin encountered: “At first, they said they could have somebody out by Wednesday, and that was five days out. I live in Texas in Austin and at the time I called, it was 105 and inside the house was 85.” After explaining he had a toddler in the house, the warranty company sent out a tech immediately.
- Reliable contractors make a noticeable difference once a claim is filed: “Anything that I've needed to be fixed, they've come out and got it handled. So far, the service has been good,” Chintel in Killeen said about their experience with multiple appliance claims.
- It’s important to understand how provider networks affect wait times: “I waited 36 hours then contacted the vendor who stated he doesn't do that type of work.” — Frank in Austin
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.
We prioritized real customer experiences in Texas but also considered national reviews. We discarded companies with fewer than five in-state reviews. 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 charged 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.
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 Law State Library, “General Information”. Accessed Sept. 24, 2025.
- Texas Department of Licensing & Regulation, “Service Contract Providers Laws and Rules”. Accessed Sept. 24, 2025.
Thanks for subscribing.
You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.
Compare top Texas home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Regency Total Warranty
| 4.1
1,009 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 |
|
Old Republic Home Protection
| 3.9
2,084 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 |
|
American Home Shield
| 3.7
109,256 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 |
|
Choice Home Warranty
| 4.0
73,342 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 |
|
Liberty Home Guard
| 4.4
1,407 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 |
Prestige Home Guard
| 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 |
ARW Home
| 4.3
2,770 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 |
Cinch Home Services
| 4.0
12,208 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 |
HomeSafe
| 4.2
457 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 |
First American Home Warranty
| 4.1
8,884 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 |
Select Home Warranty
| 3.6
15,978 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 |
First Premier Home Warranty
| 1.8
627 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 |
Achosa Home Warranty
| 1.8
View profile
| 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
| 1.5
2,043 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 |
ServicePlus Home Warranty
| 1.3
1,948 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 |
GE Service Contracts
| 1.3
330 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 |
America's Preferred Home Warranty
| 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 |
Sears Home Services
| 1.1
364 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 |
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 |
Home Warranty of America
| 1.1
4,024 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 |
2-10 Home Buyers Warranty
| 1.1
6,706 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 |
Fidelity National Home Warranty
| 1.1
338 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 |
Super
| 1.0
428 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 |
Landmark Home Warranty
| 1.1
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 |
The Home Service Club
| 1.0
816 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
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 |
Frontdoor
| 1.2
24 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 |
AFC Home Warranty
| 1.0
2,277 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 |
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 |
American Home Protect
| 1.0
133 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 |
Home Warranty Inc
| 1.0
17 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. |
Showing 10 of 38
Want your company to be on this guide?
Yes, continueComparing
×![]()