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.
A home warranty can help you pay for repairs to home systems, such as plumbing and electrical, and appliances, including refrigerators, dishwashers, ovens, washing machines, and dryers.[?]
Home warranties typically exclude coverage for outdoor items, cosmetic issues, and doors, windows, and walls.
You’ll pay a monthly premium for a home warranty and a one-off service fee if you need repairs or replacements.
American Home Shield: Best for affordability
American Home Shield is one of the most affordable home warranties, with monthly costs as low as $30 for the basic ShieldSilver Plan, depending on where you live and your home’s value. This plan covers HVAC, electrical systems, and plumbing systems, protecting some of your home’s most crucial systems for a low price. The company also offers some add-ons, including roof leak repair, septic pump fixes, and electronics coverage.
Discounts for AARP and military members
High coverage limits
High Trustpilot rating
Fewer add-on choices than some competitors
Some negative customer reviews on Reddit
Low rating from the Better Business Bureau (BBB)
Protect Your HVAC, Appliances, and More
Plans start as low as $39.99/mo.
Liberty Home Guard: Best for overall value
Liberty Home Guard is the best overall value option for home warranties in Texas. It offers three simple plans — Appliance Guard, Systems Guard, and Total Home Guard — making it easy to select what you need. The Total Home Guard plan includes coverage for appliances and systems for a slightly higher monthly price than the plans covering either appliances or systems.
Straightforward plans
High Trustpilot rating
Numerous add-ons available
May have a service-call fee during the quote process
Can’t always choose your repair person
Waiting period of 30 to 60 days after purchasing a warranty
First American Home Warranty: Best for customer service
First American Home Warranty is one of the best choices for customer service and reliability. It has positive reviews across multiple review sites, with customers reporting excellent communication and good service. It also has affordable prices, with its base plan starting at about $42 per month.
High Trustpilot rating
No age limit on appliances
Offers unlimited service calls
Some plans exclude key coverages
Certain plans can get expensive
High service fee
Fidelity National Home Warranty: Best for add-ons
Fidelity National Home Warranty is one of the best choices when it comes to home warranty add-ons, as it offers roughly two dozen ways for homeowners to supplement their home protection. It also has an affordable monthly cost of around $42. If you’re a homeowner with a pool or water fountain in your garden, you may want to consider a warranty from this company. It offers add-ons for pool equipment, fountains, and much more.
Offers many optional add-ons
No age limit on certain items
Reasonably priced
Many online complaints about customer service
Have to pay service fee even if technician denies claim
Standard plan doesn’t cover major appliances
Select Home Warranty: Best for basic coverage
Select Home Warranty is one of the best options for homeowners just looking for a basic home warranty. It doesn’t require an inspection for coverage and offers a 30-day free trial. Customers can choose from three straightforward plans that start at around $44 in Texas. If you’re looking for a basic, affordable home warranty, Select Home Warranty might be a good option.
Less expensive than some competitors
30-day free trial
24/7 claims service
Low Trustpilot rating
Low coverage limit for appliances
Limited add-ons
Our editorial team analyzed home warranty companies that sell plans in Texas to assess which offer the best prices, coverage options, customer service, and savings to homeowners. We looked at available plans, service fees and agreements, and coverage limits. We prioritized competitive prices, customer service reviews, discounts, and specialty or supplemental coverages.
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.[?]
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
Find a Home Warranty that Works for You
Cover critical systems and appliances for dollars a day
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.
Warranty Company | Plan Options | What Base Plan Covers | Monthly Premiums | Service Fees | Add-Ons |
|---|---|---|---|---|---|
| American Home Shield | ShieldSilver (base plan), ShieldGold, and Shield Platinum | HVAC, electrical systems, plumbing systems | $30–$90 | $100 or $125 | Roof leak repair, septic pump, well pump, guest unit, pool and spa, electronics |
| Liberty Home Guard | Appliance Guard (Base), Systems Guard, Total Home Guard | Washer, dryer, refrigerator, built-in microwave ovens, dishwashers, garbage disposals, ranges/ovens/cooktops, ceiling and exhaust fans, garage door openers | $50–$60 | $50–$125 | Electronics, optional appliances, fixtures, pumps/plumbing, home maintenance, outdoor/backyard |
| AFC Home Warranty | Gold (Base), Platinum, Diamond | Washer, dryer, refrigerator, oven/range, cooktop, stove, dishwasher, garbage disposal, garage door opener, water heater, air conditioning, heating systems, electrical systems, plumbing systems, ductwork | $49–$98 | $75–$125 | In-ground pool and spa, stand-alone freezer, sump pump, central vacuum, septic system, well pump, roof leak, electronics coverage |
| First American Home Warranty | Starter (Base), Essential, Premium | Plumbing system, electrical and heating systems, dishwasher, refrigerator, garbage disposal, oven and cooktop, built-in microwave oven | $42–$82 | $100 or $125 | Pool/spa equipment, well pump, central air conditioning, septic system, additional refrigeration, water softener, limited roof leak, HVAC tune-up |
| Select Home Warranty | Bronze Care (Base), Gold Care, Platinum Care | Washer, dryer, garbage disposal, refrigerator, stove/oven, built-in microwave, cooktop, dishwasher | $44–$64 | $75–$100 | Central vacuum, lawn sprinkler system, pool, roof leak, septic system, spa, stand-alone freezer, sump pump, well pump |
| 2-10 | Simply Kitchen (Base), Complete Home, Pinnacle Home | Built-in microwaves, dishwasher, range, oven, cooktop, refrigerator, beverage dispenser | $32–$69 | $65, $85, or $100 | Washer and dryer, plumbing and electrical, HVAC surplus, garage door opener, additional refrigerator, pool/spa equipment, roof leak, water softener, septic system, HVAC tune-up, extended pipe leak |
| Choice Home Warranty | Basic plan (Base), Total plan | Heating system, electrical system, plumbing system, plumbing stoppage, water heater, whirlpool bathtub, oven/range/stove, cooktop, dishwasher, built-in microwave, garbage disposal, ductwork, garage door opener, ceiling and exhaust fans | $47–$55 | $100 | Pool/spa, limited roof leak, additional spa, stand-alone freezer, central vacuum, sprinkler system, second refrigerator, well pump, septic system, sump pump, septic tank pumping |
| Fidelity National Home Warranty | Standard (Base), Comprehensive Plus, Enhanced, Enhanced Plus | Plumbing system and stoppages, built-in jetted bathtub, garbage disposal, instant hot water dispenser, pressure regulator, sump pump, toilets, water heater, recirculating hot water pump, heating system and ductwork, air conditioning/evaporative cooler, electrical system, doorbell, smoke and carbon monoxide detectors, telephone wiring, central vacuum system, garage door opener, ceiling/whole house/attic fans, kitchen exhaust fan, dishwasher, range/oven/cooktop, built-in microwave, trash compactor, pest control, re-key | $43–$71 | $95 | HVAC zone control, pre-season HVAC tune-up, water heater tune-up, garage door tune-up, pool/spa equipment, ornamental fountain motor and pump, washer, dryer, refrigerator, outdoor kitchen, water softener, well pump, septic tank system, enhanced slab leak limit, external pipe leak, limited roof leak repair, subterranean termite treatment, home improvement installation, smart home, emergency lodging, portable AC reimbursement, homeowners insurance deductible coverage |
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.[?]
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
The following information can help answer your remaining questions about deciding on a home warranty in Texas.
What is the best home warranty in Texas?
The best home warranty in Texas for you varies based on your home situation, needs, and budget. But Liberty Home Guard and First American Home Warranty stand out in Texas, providing reliable coverage at affordable rates.
How much does a home warranty cost in Texas?
A home warranty costs anywhere from $15 to $100 or more in Texas, depending on where you live, your home value, and other factors. The company, plan, add-ons, and service fee you select will all affect the cost of your home warranty.
What does a home warranty cover?
A home warranty covers the repair or replacement of your major home systems and appliances in the event they break from wear and tear. Homeowners often use warranties as a supplement to home insurance, as insurance won’t cover these costs. Home warranties cover things like HVAC, plumbing, water heaters, kitchen appliances, and electrical systems.
When should you buy a home warranty?
When you should buy a home warranty depends on a few things. If you’re buying a new home with new appliances, you may not need one. That said, if after a number of years, you’re still in the same home and haven’t replaced your systems or appliances, it may be time to consider one. It’s also worth considering buying a home warranty if you’re purchasing an older home.
Are home warranties worth it?
It depends. Home warranties may be worth it if you have older appliances and systems. If you can’t afford to pay to fix them out of pocket, you may benefit from a warranty. But if you’re in a good place financially and think you can afford to replace your HVAC system if it breaks, you may not need to spend the money each month on a home warranty.
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