Best Home Warranty Companies in Texas (2025)

Home warranties can be a good tool for homeowners. Warranties can help you pay for things that home insurance won’t cover, like appliance repair due to wear and tear. A home warranty in Texas can be particularly useful during the summer, when HVAC systems encounter a large amount of heat-related stress.

While you don’t necessarily need to purchase a home warranty, it can come in handy if something breaks and you’re short on cash.

Here’s what you should know about the best home warranty companies in Texas.

American Home Shield: Best for affordability

Liberty Home Guard: Best for overall value

First American Home Warranty: Best for customer service

Fidelity National Home Warranty: Best for add-ons

Select Home Warranty: Best for basic coverage

How home warranties work

A home warranty is a service contract that pays repair or replacement costs for covered appliances or systems, often due to wear and tear. Homeowners typically buy a warranty for things that home insurance normally won’t cover.

Homeowners might want to buy a home warranty to cover expensive appliances or systems, such as a refrigerator or HVAC system. If a covered appliance or system breaks, you won’t have to pay out of pocket to replace it, except for a small service fee.2

Every home warranty is different, but they generally cover the following standard appliances and systems:

• HVAC (heating, ventilation, and air conditioning)

• Kitchen appliances, including ovens and dishwashers

• Washing and drying machines

• Electrical systems

• Plumbing

• Water heater

Home warranties generally won’t cover the following aspects of your home, though some companies may offer these coverages as add-ons:

• Well pumps

• Septic tanks

• Roof leaks

• Structural defects

• Pool equipment

• Sump pumps

• Chimney repair

• Sprinkler system

• Water softener

• Stand-alone freezer

How much does a home warranty cost in Texas?

How much your home warranty costs depends on various factors, including your plan type, location, chosen service fee, selected add-ons, and whether you choose to pay monthly or annually. It also depends on the company you go with, as some companies have significantly lower prices for base plans.

In the table below, we’ve highlighted some of the best home warranty companies in Texas and what their base plans offer, as well as the monthly premium range for all the plans, service fees, and available add-ons.

The prices included below are for coverage for a single-family home of less than 3,000 square feet in Sugar Land, Texas.

How to buy a home warranty in Texas

The first thing you should do before buying a home warranty in Texas is consider whether you actually need one. Legally, you don’t have to purchase a home warranty, but you may want to.3

If you have relatively new appliances and can afford to pay out of pocket to fix them, you may not need a home warranty. You can also invest the money you’d be putting toward your warranty premium in a rainy-day fund for appliance and system repairs.

But if you decide to buy a home warranty, here are the steps to take:

Home warranty in Texas FAQs