Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
With hot summers in Texas City, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty plan can help protect you by covering major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be quite a challenge because of the sheer number of options available. If you're tired of trying to compare them all, keep reading for our guide to the top home warranty providers in Texas City.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Texas City residents. Liberty has more than 6 years of industry experience and in that time has built a impressive network of service professionals in the country. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting our review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Texas City residents. Choice has more than 15 years of industry experience and in that time has built a impressive network of service professionals in the country. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Texas City residents. Select has more than 11 years of industry experience and in that time has built a impressive network of service professionals in the country. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Texas City residents. AHS has more than 26 years of industry experience and in that time has built a impressive network of service professionals in the country. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Texas City residents. First American has more than 39 years of industry experience and in that time has built a impressive network of service professionals in the country. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 plans from First American are easily comprehensible and offer both system and appliance coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our review of First American Home Warranty.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Texas City residents. Cinch has more than 44 years of industry experience and in that time has built a impressive network of service professionals in the country. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Texas City residents. HSC has more than 15 years of industry experience and in that time has built a impressive network of service professionals in the country. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,366 |
| Heating | $4,244 |
| Electrical | $637 |
| Toilets | $531 |
| Washer/Dryer | $849 |
| Plumbing | $637 |
| Oven | $1,698 |
| Fridge | $637 |
A home warranty is a protection plan that helps Texas City homeowners reduce the costs of appliance and system repairs. The plans offer financial coverage to repair or swap out appliances and systems that stop working due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement goes over the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with up-to-date appliances might not need a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include refrigerators, microwaves, garbage disposals, dryers, dishwashers, washers, and more. Covered systems include electrical, heating, plumbing, and air conditioning. Many home warranty plans offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. Texas City homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover repairs and replacements due to normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are a number of home warranty terms to learn before signing an agreement, including:
When choosing a home warranty provider, there are several important factors to consider:
Home warranties vary widely in terms of included coverage. Basic policies typically provide protection for AC, heating, plumbing, electrical, and appliances, while more comprehensive plans may also cover roof leaks, well pumps, spas, and pools. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with more affordable fees to maximize savings on every claim. Some companies also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty company's track record provides insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research companies. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential providers to ask how many repair specialists they have in Texas City and get an idea of how quickly your repairs could be handled in an emergency. Wider networks increase the likelihood of getting qualified contractors to promptly service your home.
Certain home warranty providers include extras such as discounts on maintenance, protection for smart home devices, and energy-efficient upgrades. These bonuses provide extra value beyond repair coverage. Extra perks can enhance your home and maximize your home warranty.
Texas City’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty is designed to cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Not only does a home warranty provide some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Another benefit of having a home warranty is when you’re selling your home, you can most likely transfer your home warranty plan to the new owners. It can make your home more attractive to potential homebuyers and help your house sell faster.
One downside of buying a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read through any contracts you’re considering carefully to understand what is included and what isn’t.
Another possible pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Texas City can cost between $30 and $60 a month. Higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty helps protect against normal wear and tear to home systems and appliances. A homeowners insurance plan protects your home in case of something such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new dryer or stove, unless the damage is due to a natural disaster, which can be a threat in Texas City.
First-time homebuyers, homeowners, landlords, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save you money in the long run.
The different kinds of home warranties in Texas City include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, including your refrigerator, washing machine, and HVAC. An appliance or system plan will cover only the items listed in the contract.
Home warranty plans generally offer coverage for a year. Many companies let you renew your plan annually, and some offer month-to-month plans as well.
In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Texas City, where the median home value is $256,105, having the seller pay for the home warranty can save you some money on your new home.
