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Homeowners living in the Lone Star State often purchase home warranties to protect their houses from expensive repairs that can cost thousands of dollars. With a variety of home warranties in Texas to choose from, the right one can provide peace of mind that when an appliance or system breaks down, you won’t also break your bank account.
In this article, the reviews team used data we collected from over 20 companies offering home warranties in Texas and ranked the best providers in the state.
In This Article:
- Best Texas Home Warranty Company: American Home Shield
- Best for Value Shoppers: Select Home Warranty
- Most Comprehensive Claim Coverage: First American
- Our Verdict
- Frequently Asked Questions
Best Texas Home Warranty Company: American Home Shield
Quick Take
American Home Shield (AHS) earned first place in this ranking because of its quick claims response, unique and thorough coverage plans, and strong industry reputation. The only downside to this provider is that its plans are not the cheapest. It’s one of the oldest home warranty companies in the U.S. and services 49 states, excluding Alaska.
Pros & Cons
✓ Industry founder with nearly 50 years of experience
✓ Provides 24/7 customer service and responds to claims within 24 hours 98% of the time
✓ Offers coverage for items damaged due to rust and corrosion
✘ Each plan costs at least $49.99 per month
✘ Doesn’t cover commercial property or premises converted into a business
Plans & Coverage
AHS offers three plans: Appliances, Systems, and Combo. AHS places no limits on the amount of covered repairs or replacements you can have during the length of your contract. It also covers appliances and systems with unknown pre-existing conditions.
There are also five optional add-ons you can choose to add to your plan, including pool and spa, well pump, septic pump, guest unit, electronics.
| Coverage | ShieldSilver | ShieldGold | ShieldPlatinum |
| Roof leak repairs | ✓ | ||
| Air conditioner | ✓ | ✓ | ✓ |
| Heating unit | ✓ | ✓ | ✓ |
| Ductwork | ✓ | ✓ | ✓ |
| Built-in exhaust, vent and attic fans | ✓ | ✓ | ✓ |
| Main breaker and fuse panel box | ✓ | ✓ | ✓ |
| Doorbells and chimes | ✓ | ✓ | ✓ |
| Interior electrical lines | ✓ | ✓ | ✓ |
| Ceiling fans | ✓ | ✓ | ✓ |
| Garage door openers | ✓ | ✓ | ✓ |
| Interior plumbing lines | ✓ | ✓ | ✓ |
| Toilets | ✓ | ✓ | ✓ |
| Faucets and valves | ✓ | ✓ | ✓ |
| Whirlpool tub motor and components | ✓ | ✓ | ✓ |
| Water heater | ✓ | ✓ | ✓ |
| Refrigerator | ✓ | ✓ | |
| Range/Cooktop | ✓ | ✓ | |
| Oven | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | |
| Built-in microwave oven | ✓ | ✓ | |
| Garbage disposal | ✓ | ✓ | |
| Instant hot/cold water dispenser | ✓ | ✓ | |
| Clothes washer | ✓ | ✓ | |
| Clothes dryer | ✓ | ✓ |
Cost
American Home Shield’s monthly premium costs are on the higher side of the industry, but it is reasonable because of the solid coverage within each plan.
You can select a service fee between $75 and $125 with AHS. The higher the service fee you are willing to pay, the lower your monthly premium and vice versa.
| Name of American Home Shield plan | Cost |
| Appliances plan | About $49.99 per month |
| Systems plan | About $49.99 per month |
| Combo plan | About $59.99 per month |
| Service Fee (all plans) | $75-$125 |
Get A Free Quote
You can get a free quote from American Home Shield by filling out this easy form or by calling 844-529-9298.
Best for Value Shoppers: Select Home Warranty
Quick Take
Select Home Warranty offers monthly premiums that are less than $40 a month, one of the best prices in the home warranty industry. Select Home Warranty also offers an excellent promotion of $150 off and two months free for new customers. The company is based in New Jersey and serves 46 states, excluding Nevada, New York, Washington and Wisconsin.
Pros & Cons
✓ Guaranteed claim response time of 24-48 hours
✓ 24/7 customer service
✓One of the best promotions in the industry
✘ Not BBB accredited
✘ Charges repeat service fees
Plans & Coverage
Select offers three home warranty plan options: Bronze Care, Gold Care and Platinum Care. Each of these plans covers a variety of expensive household items.
Select also covers eight add-ons: Central vacuum, lawn sprinkler system, pool, spa, septic system, stand-alone freezer, sump pump, well pump
| Coverage | Bronze Care | Gold Care | Platinum Care |
| Air conditioning | ✓ | ✓ | |
| Ductwork | ✓ | ✓ | |
| Electrical system | ✓ | ✓ | |
| Heating system | ✓ | ✓ | |
| Plumbing system | ✓ | ✓ | |
| Water heater | ✓ | ✓ | |
| Cooktop | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | |
| Garbage disposal | ✓ | ✓ | |
| Built-in microwave | ✓ | ✓ | |
| Refrigerator | ✓ | ✓ | |
| Stove/Oven | ✓ | ✓ | |
| Clothes washer | ✓ | ✓ | |
| Clothes dryer | ✓ | ✓ | |
| Garage door openers | ✓ | ||
| Plumbing stoppages | ✓ |
Cost
Select Home Warranty offers some of the cheapest plans in the home warranty market, while still providing great coverage. There is a $75 service fee for whenever a repair is done in your home.
| Plan | Cost |
| Bronze Care | About $35.83 per month |
| Gold Care | About $35.83 per month |
| Platinum Care | About $37.50 a month |
Get a Free Quote
You can get a free quote from Select Home Warranty by calling 888-370-3956 or by filling out Select Home Warranty’s online form. The company is currently offering $150 off and two months free to new customers.
Most Comprehensive Claim Coverage: First American
Quick Take
First American is known for its excellent HVAC coverage and acceptance of improperly installed or maintained items and those with unknown pre-existing conditions. The company’s service is available in 35 states (Not including AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NY, ND, RI, VT, WI).
Pros & Cons
✓ Excellent HVAC coverage with no caps on refrigerant and replacement of broken HVAC systems with high-quality HVAC systems
✓ Coverage of unknown pre-existing conditions
✓ Coverage of improperly installed or maintained items
✘ Basic plan does not cover plumbing or electrical items
✘ Premier plan doesn’t cover central air conditioning
Plans & Coverage
First American offers two plans: Basic and Premier. First American notably replaces HVAC systems with high-quality, energy efficient replacements and places no caps on refrigerant. First American’s Basic plan does not cover plumbing or electrical items, and its Premier plan does not cover central air conditioning. Still, its plans are competitive in the home warranty market.
The company also offers several add-on options, including coverage for a pool, spa, well pump and central air conditioning. Its air conditioning add-on is particularly impressive — there are no limits on coverage unless your unit comes with a water heater.
| Coverage | Basic Plan | Premier Plan |
| Clothes washer | ✓ | ✓ |
| Clothes dryer | ✓ | ✓ |
| Refrigerator | ✓ | ✓ |
| Dishwasher | ✓ | ✓ |
| Oven/Range/Cooktop | ✓ | ✓ |
| Microwave | ✓ | ✓ |
| Garbage disposal | ✓ | ✓ |
| Trash compactor | ✓ | ✓ |
| Plumbing | ✓ | |
| Plumbing stoppages | ✓ | |
| Heating system | ✓ | |
| Water heater | ✓ | |
| Electrical system | ✓ | |
| Garage door opener | ✓ | |
| Ductwork | ✓ | |
| Central vacuum system | ✓ |
Cost
First American offers reasonable pricing for its plan options. The Basic plan is much cheaper than the Premier plan but does not cover plumbing or electrical items in a home. Service fees for First American range from $75 to $100.
| Plan | Cost |
| Basic Plan | About $28 per month |
| Premier Plan | About $42.50 per month |
| Optional Add-Ons | Varies by item |
Get a Free Quote
You can get a quote from First American by calling 800-891-9778 or by filling out First American’s online form.
Our Verdict
If you’re concerned about your air conditioner breaking down or want to make sure that your refrigerator is in good working condition, consider investing in a home warranty. With Texas home warranty plan, homeowners can find peace of mind in knowing that their major systems and appliances will be covered if one unexpectedly breaks down.
While American Home Shield is ultimately our top choice, we recommend getting a free quote from each provider listed above so that you can compare plans and pricing and make a decision that’s right for you and your home.
Frequently Asked Questions
Which is the best home warranty company?
The best home warranty company is the one that fits your needs the best. All three of these providers are excellent choices for a home warranty. We do think American Home Shield is the best overall home warranty provider, but it may not be the best choice for every homeowner.
Are home warranty plans worth it?
Our review team’s opinion is that home warranty plans are worth it when they are purchased from reputable providers. They give many homeowners financial stability when their appliances and systems inevitably fail or need to be replaced.
Home Warranty Rating Methodology
To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:
- Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
- Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
- Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
- State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
- Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.
To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.
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