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.
Similar to owning health insurance, home warranty owners pay a monthly premium and a service fee every time they need a repair. When inevitable repairs or replacements are needed, it can save homeowners considerable amounts of money and stress.
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 Aging Homes: Choice Home Warranty
- Best for Value Shoppers: Select Home Warranty
- Most Comprehensive Claim Coverage: First American
- Frequently Asked Questions
Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.
Best Texas Home Warranty Company: American Home Shield
Quick TakeÂ
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.
Pros & Cons
| Pros | Cons |
| Industry founder with nearly 50 years of experience | Each plan costs at least $49.99 per month |
| Provides 24/7 customer service and responds to claims within 24 hours 98% of the time | Doesn’t cover commercial property or premises converted into a business |
| Offers coverage for items damaged due to rust and corrosion | Â |
| Accepts and pays more claims than any other home warranty company in the nation | Â |
| Covers unknown pre-existing conditions |  |
| 5 optional add-ons | Â |
| 30-day service guarantee | Â |
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.
The table below shows the 10 appliances and 11 systems that are covered in AHS’ Appliances plan and AHS’ Systems plan. If you purchase the Combo plan, all 21 of these items are covered.
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.
| Appliances plan | Systems plan |
| Refrigerator | Air conditioning and ductwork |
| Dishwasher | Heating system and ductwork |
| Built-in microwave | Plumbing and plumbing stoppage |
| Trash compactor | Electrical |
| Freestanding ice maker | Water heater |
| Range/oven/cooktop | Instant hot/cold water dispenser |
| Built-in food center | Central vacuum |
| Clothes dryer | Garbage disposal |
| Clothes washer | Smoke detector |
| Garage door opener | Ceiling fan |
| Â | Doorbell |
| Â | Re-key |
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 Aging Homes: Choice Home Warranty
Quick Take
Choice Home Warranty (CHW) offers two comprehensive coverage plans that cover a large variety of expensive systems and appliances in your home. CHW is a great choice for homeowners with aging homes because it does not deny coverage based on the age of your covered items or the age of your home. Â
Pros & Cons
| Pros | Cons |
| Affordable plans | Not BBB-accredited |
| Offers nine optional-add ons | Service fees are a bit high |
| 90-day guarantee on parts and a 30-day guarantee on labor | Â |
| Guaranteed response time of 48 hours | Â |
| Does not deny coverage based on the age of your home or covered items | Â |
Plans & Coverage
CHW offers two plans: Basic plan and Total plan. The table below shows the items that CHW covers in each of its plans.
| Covered appliances and systems | Total plan | Basic plan |
| Air conditioning system | ✓ |  |
| Heating system | ✓ | ✓ |
| Electrical system | ✓ | ✓ |
| Plumbing system | ✓ | ✓ |
| Plumbing stoppage | ✓ | ✓ |
| Water heater | ✓ | ✓ |
| Whirlpool bathtub | ✓ | ✓ |
| Refrigerator | ✓ |  |
| Oven/range/stove | ✓ | ✓ |
| Cooktop | ✓ | ✓ |
| Dishwasher | ✓ | ✓ |
| Built-in microwave | ✓ | ✓ |
| Garbage disposal | ✓ |  |
| Clothes washer | ✓ |  |
| Clothes dryer | ✓ |  |
| Ductwork | ✓ | ✓ |
| Garage door opener | ✓ | ✓ |
| Ceiling and exhaust fans | ✓ | ✓ |
Optional add-ons: Pool/spa, well pump, sump pump, central vacuum, limited roof leak, septic system, second refrigerator, stand-alone freezer and septic tank plumbing
Cost
Choice Home Warranty offers reasonably priced plans, based on what the researchers found when collecting quotes.
| Plan | Cost |
| Basic Plan | About $36.17 per month |
| Total Plan | About $43.85 per month |
| Service Fee (All Plans) | $85 |
Get a Free Quote
You can get a free quote from by calling 800-495-1292 or by entering a few details on Choice Home Warranty’s website. CHW is currently offering $50 off and one month free to new customers.
Best for Value Shoppers: Select Home Warranty
Quick TakeÂ
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.
Pros & Cons
| Pros | Cons |
| Very affordable plans | Under 20 years of experience in the industry |
| Offers 8 optional add-ons | Not BBB accredited |
| Guaranteed claim response time of 24-48 hours | Charges repeat service fees |
| 24/7 customer service | Â |
| One of the best promotions in the industry | Â |
| Â | Â |
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.
| Bronze Care | Covers your washer, dryer, dishwasher, cooktop, microwave oven, stove/oven, refrigerator and garbage disposal |
| Gold Care | Covers your A/C, heating system, plumbing system, electrical system, water heater and ductwork |
| Platinum Care | Covers appliances and systems contained in its Bronze and Gold plan and also covers your plumbing stoppage, garage door opener and ceiling fan |
| Optional add-ons | Pool pump, central vacuum, sump pump, well pump, roof leak, stand alone freezer, lawn sprinkler system and septic system |
Cost
Select Home Warranty offers some of the cheapest plans in the home warranty market, while still providing great coverage. Here are the sample quotes we received:
| Plan | Cost |
| Bronze Care | About $35.83 per month |
| Gold Care | About $35.83 per month |
| Platinum Care | About $37.50 a month |
| Service Fee (All Plans) | $75 |
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
You can get a quote from First American by calling 833-777-0049 or by filling out First American’s online form.
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 also offers a 30-day service guarantee.
Pros & Cons
| Pros | Cons |
| Excellent HVAC coverage with no caps on refrigerant and replacement of broken HVAC systems with high-quality HVAC systems | Basic plan does not cover plumbing or electrical items |
| Coverage of unknown pre-existing conditions | Premier plan doesn’t cover central air conditioning |
| 30-day service guarantee | Â |
| BBB-accredited | Â |
| Coverage of improperly installed or maintained items | Â |
| Â | Â |
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.Â
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.
| Plan | Coverages |
| Basic Plan | Covers your washer and dryer, cooktop, dishwasher, and more |
| Premier Plan | Covers appliances in the Basic plan and systems, including your heating, electrical, central vacuum systems, and more |
| Optional Add-Ons | Additional refrigerators, central air conditioning, pool/spa equipment, and well pump |
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.
| Plan | Cost |
| Basic Plan | About $28 per month |
| Premier Plan | About $42.50 per month |
| Optional Add-Ons | Varies by item |
| Service Fee (All Plans) | $75 to $100 |
Get a Free Quote
You can get a quote from First American by calling 833-777-0049 or by filling out First American’s online form.
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 four 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.
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