Best Home Warranty Companies in Texas (November 2023)

We compared the top home warranties in Texas based on key factors such as monthly cost, service call fees and more. Our experts secret-shopped for quotes from each provider, with the average cost of a home warranty in Texas landing at $58 per month or $696 per year for a single-family home warranty in Houston, Texas.

A large number of companies offer home warranty services to Texas homeowners. However, the five included in this list offer the best coverage to ensure your systems and appliances work every day of the year.

A home warranty is a contract between a home warranty provider and you, the homeowner. In this agreement, you agree to pay your provider each month in exchange for coverage when something in your home breaks. Home warranty contracts outline the exact coverage details, but most home warranties include your home systems, appliances or a combination of both.

Home warranties typically cover standard deterioration or wear and tear of home appliances and systems over time. When something breaks or fails in your home, you can file a claim, and then your home warranty provider will send a contractor to fix or replace the broken item. On top of your regular monthly premium, you can expect to pay a service fee when a technician has to visit your home after you file a claim.

Home warranties and homeowners insurance policies go hand-in-hand, but they are different. A home warranty is not designed to replace home insurance but rather to supplement your coverage. Home insurance covers the cost of repairing damage to your home caused by major events like a natural disaster or burglary. Home warranties, on the other hand, help cover the cost of replacing or repairing home systems that fail due to standard deterioration.

Always read the terms and conditions of your home warranty contract before you commit to a plan. Avoid wasting your time and money by carefully reviewing the details of your service contract so you know exactly what’s covered before something breaks.

A home warranty in Texas costs anywhere between $29 and $87 per month. Exact Texas home warranty costs depend on the provider, the plan selected, home location and size, and any optional add-ons. You can also expect to pay a $75-$125 service fee each time you use your home warranty.

The MarketWatch Guides Team developed a calculator that analyzes the anticipated yearly expenses associated with owning a home warranty in Texas. To determine your projected annual cost, simply input your monthly premium, service call fee and estimated number of claims. We recommend getting quotes from our top providers directly, as prices vary by plan, location and home size.

Source: Home Depot

The calculators used on this website are being provided for educational purposes only. Data will not be collected or stored. The results are estimates based on the information you provide and may not reflect the actual pricing of your quote.

When choosing a home warranty company in Texas, we highly recommend you research providers in your area, compare the coverage that’s important to you and consider local needs over looking at a national home warranty recommendation.

Research Home Warranty Companies in Your Area

Although the home warranty companies on our list operate nationwide, your provider will likely send a locally-based technician to your home when you file a claim. Check out the technicians that your home warranty company has in its network — are they reliable and highly rated? You can also read provider reviews on websites like Trustpilot and the BBB to get an idea of customers’ experiences with a company’s technicians.

While some home warranty providers allow you to choose your provider, others don’t, so choose according to your priorities. Would you rather not have to worry about finding your own contractor in the event of a breakdown, or would you have more peace of mind in choosing a technician yourself?

Compare Coverage That’s Important to You

Everyone’s home warranty needs differ, and you should choose your home warranty accordingly. Think of it this way: if you have old appliances that you think will need replacing soon, you don’t want to go with a plan that doesn’t cover refrigerators and ovens, even if the monthly cost is low. You would get a better value with a plan that costs slightly more each month but covers everything you need regarding all things home appliance insurance in the long run.

Consider Local Needs

Even though everyone’s coverage needs differ, you are likely familiar with Texas’s scorching summers and generally mild winters. You may want to ensure your home warranty covers air conditioning units and refrigerators.

However, where you live in Texas can make a difference. Texas is the second largest state behind Alaska, and that means that each corner of the state has a different climate. From humid coastal areas to arid grasslands, you should select your plan accordingly. For instance, if you live in a more humid and rainy area like Dallas, you may want to be sure your plan includes roof leak coverage.

Both state government oversight and industry associations generally regulate home warranties. In Texas, the 2005 Residential Service Company Act requires home warranty companies to be licensed by the Texas Department of Licensing and Registration (TDLR) before selling policies in the state. Licensed companies must follow sound business practices set by the TDLR and demonstrate financial responsibility by providing mid-year and annual financial reports.

Before you purchase a service contract, you can use the TDLR database to verify a company’s license. If you currently have a home warranty and believe your provider has not honored your contract, you can file a complaint directly through the TDLR website. Dr. Bennie Waller, a faculty fellow at The University of Alabama and author specializing in residential real estate, recommends reviewing your service contract carefully before purchasing a plan or disputing a denied claim.

While home warranties receive government regulation at the state level, industry associations that oversee service contracts and home warranties do so nationally. For example, the National Home Service Contract Association (NHSCA) is a nonprofit trade association that promotes sound business practices and promotes consumer-confidence among homeowners.

Are you not looking for a home warranty in Texas? Select your state below to find the best home warranty.

With consistent, everyday use, your home’s essential systems and appliances may experience unexpected breakdowns due to normal wear and tear. A home warranty can help lessen the financial burden of covering those costs out of pocket.

We recommend American Home Shield as our pick for overall value due to its plan options and generous coverage caps. Liberty Home Guard offers reputable customer service and fully customizable plans via its extensive suite of add-ons, and Cinch Home Services provides unique benefits like a 180-day workmanship guarantee and pool and spa-related add-ons.

We recommend carefully reading through provider sample contracts so you are aware of covered items and exclusions. You should also get quotes from at least three companies to compare home warranty costs and coverage options.

While reviewing our company holistically using a standard approach for numerical ratings, we also considered local implications and coverage needs specific to Texas. The list order above represents the top home warranty companies in the state of Texas, based on their coverage for air conditioning, affordability rates in Texas compiled through secret shopping and a review of Texas-specific feedback on third-party, unbiased sites such as BBB and Trustpilot.