For Businesses
Write a Review
  3. Homeowners
  4. Home Warranties
  5. Best Home Warranties

Best Home Warranties in Waco, TX

We compared 32 companies and chose the top home warranty providers

    • Best overall
      Choice Home Warranty
      4.0(74,729)
    • Value
      American Home Shield
      3.7(110,345)
    • Claims handling
      Regency Total Warranty
      3.9(1,097)
    Author picture
    By: Matt Zane
    +1 more
    Author picture
    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.
    • 4,860,171 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

    1. Best overall: Choice Home Warranty
    2. Best value: American Home Shield
    3. Best claims handling: Regency Total Warranty
    4. 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

    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 overall

    Choice Home Warranty

    Choice Home Warranty
    4.0
    74,729 reviews
    Plans available
    2
    Service fee
    $100
    Starting cost
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty earns our top spot in Waco due to consistently strong feedback on its technician network and reliable response times. With a policy to answer service requests within four hours, Choice stands out for quickly getting homeowners back to comfort.

    What to consider: Choice doesn’t offer an appliances-only or systems-only plan, and you can’t customize your service fee.

    Pros
    • Optional roof leak coverage
    • No transfer fee
    • 24/7 customer service
    Cons
    • $500 roof repair cap

    Choice plans start at $49.17 per month, and Total plans start at $57.50 per month. Both have a flat $100 service fee. Contracts last one year — expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract with no penalty.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month

    Many Waco reviews highlight prompt, professional technicians and smooth claim handling, while others report poor communication.

    “The tech sent a message when he was on his way and arrived as scheduled. He located the problem, explained how it happened, fixed the issue within a hour. Stephen was courteous, efficient, knowledgeable and he even swept up the floor!”
    Joseph Waco, TX
    “He was very nice, honest, did a great job. Would recommend him. I appreciate the fast service and he let me know when he was going to be here and was on time.”
    Cheri Waco, TX
    “Front right electric burner wouldn't respond to temperature settings and just kept getting hotter, Chris showed up on an earlier date than expected and it was a blessing. He had it fixed in a jiffy and is working fine now. I don't expect any more problems, but I will keep an eye on it.”
    Douglas Waco, TX
    Best value

    American Home Shield

    American Home Shield
    3.7
    110,345 reviews
    Plans available
    3
    Service fee
    $100 or $125
    Starting cost
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield earns our pick for value because of its broad coverage paired with reasonable pricing. AHS provides high coverage limits, especially for HVAC, along with coverage for damage caused by rust, corrosion and sediment damage (not common among home warranty companies).

    The easy-to-use claims process and the ability to file claims via an app are customer favorites. We also appreciate the video-chat feature. If a repair pro can solve your problem over the phone, you can save yourself a service fee.

    What to consider: AHS has fewer add-on options than many competitors, limiting customization.

    Pros
    • Easy claims process
    • High coverage limits
    • Covers rust, corrosion and sediment damage
    • Cancel at any time
    Cons
    • Occasional service delays
    • Relatively high service fees

    Base plans from AHS start at $29.99 a month. You can choose a $100 or $125 deductible, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($29.99 or $39.99): Covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($49.99 or $59.99): Covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • ShieldPlatinum ($79.99 or $89.99): The most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties

    Local AHS reviews compliment highly efficient, courteous and convenient service, though some report repeated delays or misdiagnoses.

    “I had an issue with the electrical box controlling our pool equipment. Since I couldn’t always be there to manually operate it due to work travels, I needed it fixed swiftly. … The contractor was efficient, replaced the faulty dial immediately, and the whole process went smoothly. Currently, everything is working fine. … Overall, American Home Shield has been our home warranty provider for several years.”
    Dennis Mansfield, TX
    “I've been a customer since 1992, drawn mainly by the efficient and skilled subcontractors they contract with. The online process to submit claims is straightforward, and I appreciate receiving email notifications about the contractors, like AC Rescue INC, who handled my recent air conditioning issue with promptness and expertise.”
    Norman Mansfield, TX
    “The process of filing a claim with AHS was straightforward using their app, which I found incredibly user-friendly. We encountered an issue with our dryer not completing a full cycle. A technician came to check it out and discovered the vents needed cleaning before repair. … The convenience of using the AHS app was a big plus for me, allowing quick claim submissions, but our experience with contractors varied.”
    Avery Houston, TX
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Best claims handling

    Regency Total Warranty

    Regency Total Warranty
    3.9
    1,097 reviews
    Plans available
    2
    Service fee
    $60 to $100
    Starting cost
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty rises above other new providers by delivering a smooth claims process, as reflected in customer feedback. Regency structures its plans to cover both systems and appliances, offering two straightforward combo options.

    What to consider: Regency is a recent entrant to the market, having launched in 2024.

    Pros
    • Both plans cover systems and appliances
    • Reasonable starting costs
    Cons
    • No electronics plan
    • Some water heater exclusions

    Regency’s two plans offer different degrees of coverage for your home’s systems and appliances. Costs start at $39.99 per month, with a potential savings of $50 per year if you pay annually.

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.83 per month ($499.99 per year).

    Add-ons and discounts

    • Optional add-ons
      • Pools and spas
      • Well pumps
      • Sump pumps
      • Central vacuums
      • Limited roof leaks
      • Septic systems
      • Second refrigerators
      • Stand-alone freezers
      • Septic tank plumbing
    • Discounts: Seasonal promotions; limited roof leak protection

    Customers leave positive feedback about Regency Total Warranty’s knowledgeable, professional and responsive representatives, along with fast, effective service. However, some report confusing policies.

    “Over the summer, I filed a claim for my pool pump, which was not working. A person from Regency Total Warranty had a contractor approach me to schedule an appointment. My pool pump was repaired within three days. The overall service was professional and timely.”
    Thomas Fort Worth, TX
    “We have a plumbing issue with a sink leak. Billy swiftly scheduled a service call and dispatched a repairman team, who did a great job. I have been with them for nearly a year now, and the service is quite for less priced while ultimately providing additional coverage.”
    Irene San Antonio, TX
    Best for quick service

    Old Republic Home Protection

    Old Republic Home Protection
    3.9
    2,182 reviews
    Plans available
    3
    Service fee
    $100 or $125
    Starting cost
    $50
    Labor guarantee
    None specified
    Read Reviews

    Old Republic Home Protection is a standout in Waco for its focus on fast, reliable service. Reviewers consistently describe speedy repairs and knowledgeable contractors. That’s important when you’re dealing with urgent issues like air conditioning outages. We also like the company’s customizable combination plans and transparent pricing.

    What to consider: Price promotions are common, but your rates may rise after the first year of coverage.

    Pros
    • Clear pricing
    • Discounts available
    Cons
    • No guarantee of coverage if you choose your own contractor

    Old Republic plans start at $50 per month. All plans are combination plans, meaning coverage includes a selection of both appliances and systems rather than one or the other.

    Service fees are either $100 or $125 — you’ll have to decide if you’d rather pay a higher service fee and lower premiums each month or a lower service fee and higher monthly premiums. Contracts range from one to five years.

    • Basic: $50 a month (lower service fee) or $55 (higher fee). Coverage includes 22 basic systems and appliances.
    • Deluxe: $55 or $60, depending on your service fee. Coverage includes everything in the Basic plan plus six additional items.
    • Elite: $75 or $80 (varies by service fee). Coverage includes everything in the Deluxe plan, plus increased plumbing coverage.

    Add-ons and discounts

    • Optional add-ons
      • Second refrigerator: $4.17
      • Septic system: $6.25
      • Roof leak repair: $8.33
      • Well pump: $8.33
      • Pool and spa: $20.00
    • Discounts: First-year decreased rates; seasonal promotions

    Old Republic Home Protection reviewers highlight prompt, professional technicians and overall reliable service that provides peace of mind, while others report poor communication and long hold times.

    “Old Republic came out and worked on our AC. It was a great experience. I reached out to them by phone only because we didn't know all the specifics.”
    Mel Wichita Falls, TX
    “My AC went out in Texas during a particularly warm week in early May. Old Republic sent out a work order to a local contractor and they had it fixed in record time! I love knowing I have Old Republic to take care of so many aspects of my house. My water heater broke just a couple months prior and I was not at all stressed having to replace it because I knew it was covered.”
    Jacqueline Wichita Falls, TX
    “We've had Old Republic Home Protection going on 3 years now. The policy has more that paid for itself with the items that have been repaired thus far. They have saved us a great deal of money and frustration. We would highly recommend their services. The contractors they use are very professional and timely. All repairs have been solid without any need for a return visit.”
    Fabio Wichita Falls, TX

    » READ MORE: Best home warranties in Texas

    Best home warranty companies in nearby cities

    Home Warranties in Waco, TX Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Choice Home Warranty logo
    American Home Shield logo
    Regency Total Warranty logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      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.

      Key insights

      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 insight

      Waco 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 insight

      Service 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 insight

      How 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.

      » MORE: Questions to ask a home warranty company

      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

      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:

      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.

      Not sure how to choose?

      Get buying tips about Home Warranties in Waco, TX delivered to your inbox.

        By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

        Thanks for subscribing.

        You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

        Read Waco home warranty company reviews

        Showing 10 of 32

        Want your company to be on this guide?

        Yes, continue
        Comparing

        ×
        Trending in Home Warranties