Best overall
Choice Home Warranty
4.0
72,895 reviews
- Plans available
- 2
- Service fee
- $100
- Starting cost
- $46.83
- Labor guarantee
- 60 days
Best Home Warranties in Waco, TX
- Best overall
Choice Home Warranty4.0(72,895) - Value
American Home Shield3.7(108,819) - Claims handling
Regency Total Warranty4.1(984)
By:
Matt Zane
+1 more
Edited by:
Cassidy McCants
Best Home Warranties in Waco, TX
Choice Home Warranty is the best home warranty company in Waco, based on recent reviews from local homeowners. American Home Shield is a good choice if you want budget-friendly coverage. Regency Total Warranty stands out for a smooth claims process.
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 Waco
- Best overall: Choice Home Warranty
- Best value: American Home Shield
- Best claims handling: Regency Total Warranty
- Best for quick service: Old Republic Home Protection
Our research team vetted home warranty companies that are rated by hundreds of customers in Texas. We choose the best home warranty in Waco 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) | |
|---|---|---|---|---|---|
 Choice Home Warranty | Get a Quote | 4.0
72,895 reviews
72,895 reviews
| Best overall | $46.83 | $100 |
 American Home Shield | Get a Quote | 3.7
108,819 reviews
108,819 reviews
| Value | $29.99 | $100 or $125 |
 Regency Total Warranty | Learn More | 4.1
984 reviews
984 reviews
| Claims handling | $44.99 | $60 to $100 |
 Old Republic Home Protection | Learn More | 3.9
2,066 reviews
2,066 reviews
| Quick service | $50 | $100 or $125 |
Our 4 Waco home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, verified reviews from customers in Waco and Texas as a whole on ConsumerAffairs.
Best value
American Home Shield
3.7
108,819 reviews
- Plans available
- 3
- Service fee
- $100 or $125
- Starting cost
- $29.99
- Labor guarantee
- 30 days
Best claims handling
Regency Total Warranty
4.1
984 reviews
- Plans available
- 2
- Service fee
- $60 to $100
- Starting cost
- $44.99
- Labor guarantee
- Unclear
Best for quick service
Old Republic Home Protection
3.9
2,066 reviews
- Plans available
- 3
- Service fee
- $100 or $125
- Starting cost
- $50
- Labor guarantee
- None specified
Home Warranties in Waco, TX Buyers Guide
Jump into our guides and start learning
In this guide
Homeowners in Waco rely on their AC systems to survive the brutal Texas summers, leading to frequent breakdowns from overuse. A home warranty provides a stable financial plan for handling these inevitable and expensive repairs.
In Waco's hot climate, a home warranty's value is almost entirely dependent on the strength and limits of its air conditioning coverage.
Jump to insightWaco 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 insightService calls require a set fee, usually $75 to $150. You pay the fee when you file a claim, and the company pays the contractor for covered work.
Jump to insightHow to choose a home warranty in Waco
When shopping for a home warranty in Waco, the right plan will shield you from costly AC breakdowns and other major repairs. Here’s how to make the best choice for your home and budget:
1. Decide what coverage you need
First, identify whether your main concern is appliances, systems or a combination of both. If you’re confident in your major systems but have older appliances, an appliance-focused plan suits you. If your appliances are newer but your HVAC system is aging, a systems-centric plan is a better option. Combination plans offer the widest safety net and higher coverage limits.
Select a plan with the highest available payout for your HVAC system to handle the strain of the relentless summer heat. For those living in one of Waco's many historic homes, a plan that also provides robust coverage for aging plumbing is a smart choice.
2. Compare costs
Your monthly premium is only part of the total cost. Factor in service call fees, which usually range from $75 to $150 per visit. These add up fast if you need several repairs each year.
When comparing costs in Waco, always prioritize the plan with the best AC coverage. A low-cost plan with a minimal payout for HVAC is a poor bargain in a city where your AC is your most likely and most expensive potential failure.
Check the coverage caps and add-on fees, too. Add-ons like roof leak repair or extra appliance protection can hike up your annual expense.
3. Review sample contracts
Always read the sample contract before signing. This is where you’ll find details on what is and isn’t covered, as well as any waiting periods, claim limits and the steps for submitting a claim.
Make sure you understand the fine print. Angie from Waco reported, “I was surprised to find out through Sewer Medic that my home wasn't up to code. This led to me having to pay $1,000 out of my pocket.” Her warranty didn’t cover those costs.
Read the HVAC maintenance requirements in the contract. In the Texas heat, providers will be very strict about regular filter changes and servicing to approve a claim. If you're in an older home, check for any limitations on aging pipe materials.
4. Read customer reviews
Search for reviews from other Central Texas residents. Pay close attention to feedback on how quickly a company responds to AC failures during the peak of summer. A fast response time is a critical measure of quality.
You can also learn a lot about the technicians that companies work with from personal reviews. For example, Marcus from Waco wrote, “They sometimes send out good people and sometimes not so good people. I'm supposed to get a refund for the air conditioner because the contractor didn't come out, so I could get another guy to come out.”
Positive reviews often highlight smooth claims processes and responsive customer service, while negative ones may point to frequent denials or hidden costs.
How much does a home warranty cost in Waco?
The cost of a home warranty is $684 per year as of June 2025. Waco home warranty premiums cost between $360 and $1,080 per year, based on plans from our top picks. Just remember that your final cost 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 | |
|---|---|---|---|
Choice Home Warranty | Get a Quote | $46.83 to $54.75 | $100 |
American Home Shield | Get a Quote | $29.99 to $89.99 | $100 or $125 |
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 |
Monthly or annual premiums
Most home warranty providers let you pay monthly or annually. Monthly payments spread out your expenses, while annual payment options often come with a discount.
Service call fees
Expect to pay a service call fee each time you request a repair, typically $75 to $150 per visit. This fee is paid to the technician and is similar to an insurance deductible.
Add-on coverage
You can customize your protection with optional add-ons such as pool equipment or roof leak coverage. These range from $2 to $25 per month per item, depending on your choices.
Other home warranty cost factors
Several factors impact your final price:
- Home size and type: Larger homes need broader protection, which drives up the cost.
- Level of coverage: Cheaper plans cover fewer items; comprehensive combo plans cost more.
- Location: The region's active soil, which can cause plumbing issues, can contribute to premium pricing.
- Discounts: Many companies offer reduced rates for annual contracts or special promotions.
Example: total annual home warranty costs
- Systems coverage ($45 per month): $540 per year
- Add-on for septic system coverage ($6 per month): $72 per year
- Two claims ($125 service fee): $250
- Total: $862 per year
What does a Waco home warranty cover?
Waco homeowners can choose from several types of home warranty coverage:
- Appliance plans typically include kitchen appliances, washers and dryers and microwaves.
- Systems plans protect critical components like heating, AC, plumbing and electrical.
- Combo plans combine both for the best all-around protection. They also often come with higher coverage caps.
Optional add-ons are available for more specialized needs. For the Texas heat, pool and spa equipment coverage is a very popular add-on. For Waco's many older and renovated homes, plumbing stoppage and sewer line coverage are also common add-ons.
» LEARN: Home warranty misconceptions
How much can you save with a Waco home warranty?
The amount you save depends on your home and which repairs you need, but a single covered repair can offset your annual cost. Industry guidance suggests you set aside 1% to 3% of your home’s value each year for maintenance — much more than the $700 to $1,200 most homeowners spend on warranty coverage plus a few service calls.
Average repair/replacement costs for covered items
In a city like Waco, where hot summers put a heavy strain on HVAC systems and severe thunderstorms can lead to roof leaks and plumbing issues, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Waco 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 |
| Roof leak repair | $360 to $1,550 | $5,800 to $12,800+ | Add-on ($7 to $12 more per month) |
| 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 a service contract for home systems and appliances. You pay a monthly or yearly premium for coverage.
With a warranty, you don’t have to search for a repair technician yourself. You file a claim, pay the agreed service fee and the warranty company schedules and pays for the repair or replacement. Payout limits and contract terms differ from plan to plan.
Is a home warranty worth it in Waco?
A home warranty can be worth it if you want to protect yourself from unexpected repair or replacement costs.
The value really depends on your situation. Some homeowners save thousands on a single HVAC replacement, while others barely use their plan and may feel it wasn’t worth the expense. For some, the peace of mind alone is worth the expense.
What does a home warranty not cover?
Most home warranty plans don’t cover preexisting conditions, improper installation, cosmetic damage and items still under a manufacturer’s warranty. Routine maintenance tasks, landscaping, and storm or disaster damage aren’t included. For example, hurricane damage to an AC unit would be handled by homeowners insurance, not a warranty.
A home warranty in Waco will not cover the cost of foundation leveling or repair, a common issue in Central Texas, even if foundation movement caused a covered plumbing leak.
Coverage limits also apply. For example, a plan might cover up to $1,500 for a refrigerator repair. If the repair costs $2,200, you’ll owe the $700 difference plus your 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 Waco, then evaluated which performed best for local residents.
We prioritized real customer experiences in Waco 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 Waco home warranty company reviews
| Company | Customer rating | About | Learn More |
|---|---|---|---|
| 4.0
72,895 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 |
| 3.7
108,819 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 |
| 4.1
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 |
 | 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
347 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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