Best Home Warranty Companies in Texas 2024

A good home warranty in Texas offers pricing flexibility, high coverage limits and coverage for air conditioning systems — and is affordable. We read through service agreements and compared hundreds of quotes to find the best options for Texans. So saddle up and take a look at our top picks for best home warranties in the Lone Star State.

How we chose the best home warranty companies in Texas

Although most homeowners want coverage for similar items, each state has unique factors that can make some home warranty features more relevant than others. Here are a few we considered when choosing the best home warranty companies in Texas.

We like that American Home Shield’s coverage limits are higher than many of its competitors’ caps, paying up to $5,000 for HVAC repairs, $3,000 each for electrical and plumbing issues and $2,000 for appliances with its cheapest plan. Appliance coverage jumps to $4,000 per item with the most expensive plan. The company also pays up to $1,000 to repair areas where a technician must cut into a wall, floor or ceiling to make a repair; like most companies, though, American Home Shield will only return the surface to a rough finish.

What we like about American Home Shield

In addition to high coverage limits, American Home Shield lets you choose between two service fees (both are higher than many of its competitors’ fees), and it has three plans to choose from. Its cheapest plan, ShieldSilver, includes HVAC and ductwork coverage. The company also tries to schedule technician appointments within 48 hours of a service claim.

What we don’t like about American Home Shield

The company guarantees its repairs for 30 days, which is common among home warranty companies; however, a handful of competitors offer longer warranties on their work. American Home Shield's pricing also varies a lot by location. Although many home warranty companies charge the same in every city we researched in Texas, American Home Shield’s quotes varied by as much as $30 per month depending on ZIP code. The company also has relatively low customer satisfaction scores across multiple websites.

Read our full review of American Home Shield.

Liberty Home Guard takes the top spot for customer satisfaction among our reviewed companies. It has a customer rating of 4.44 with the Better Business Bureau, and Trustpilot shows a 4.7 average rating, putting it ahead of many competitors. Happy customers mention the company’s helpful customer service and knowledgeable contractors.

What we like about Liberty Home Guard

Liberty has three plans — an appliance-only plan, a systems-only plan and a comprehensive plan — so customers can select the specific coverage they want without paying for unnecessary items. We also like that the company guarantees its repairs for 60 days, which is longer than some companies’ repair warranties. And as mentioned, it has a good customer satisfaction record.

What we don’t like about Liberty Home Guard

The company’s service fees vary from $70 to $125, and customers don’t have a choice of which fee they pay. Additionally, because not all of Liberty Home Guard’s plans are comprehensive, customers have to purchase the systems-only or comprehensive plans to get coverage for an air conditioning system. This means they’ll pay higher premiums. We also don't like that the company’s coverage limits are on the lower end compared to competitors’ limits, and it cuts coverage from $500 to $250 for roof leaks, electrical repairs and plumbing repairs for the first 90 days of a contract.

Read our full review of Liberty Home Guard.

Old Republic’s Basic plan provides comprehensive coverage and covers a good variety of appliances in the process. It covers many common appliances such as refrigerators, dishwashers and built-in microwaves, but it doesn’t cover a washer and dryer set, which some competitors cover in their basic plans.

What we like about Old Republic Home Protection

We like that the company pays up to $6,500 for HVAC repairs and between $3,500 and $7,000 per appliance, depending on your plan. It also has no coverage limit for electrical repairs. In addition, Old Republic allows customers to choose their own repair companies (as long as the companies are approved in advance), and it has good customer satisfaction scores on the Better Business Bureau and Trustpilot websites.

What we don’t like about Old Republic Home Protection

Despite being a comprehensive plan, Old Republic’s Basic plan doesn’t cover air conditioning systems. Although the company lets customers choose between two service fees, their service fees are relatively high. Old Republic guarantees its repairs for 30 days, which is shorter than what many competitors offers.

See our full review of Old Republic Home Protection.

We think 2-10 Home Buyers Home Warranty has the best repair guarantee of all the home warranty companies we reviewed. Going beyond the industry standard of 30-60 days, 2-10’s repair guarantee is for the term of the agreement. That means if any repair the company pays for fails at any point during your contract, the company won’t charge you a service fee to send out another technician.

What we like about 2-10 Home Buyers Home Warranty

The service fee with 2-10 starts at $85, but customers can choose to pay $100 to lower their premiums (or pay $65 and have a higher premium). Combined with the company’s competitive plan pricing, this flexibility lets customers choose a plan setup that works better for their budgets. Also, 2-10’s coverage limits are competitive — they pay up to $2,000 each for air conditioning, heating, electrical and plumbing systems.

What we don’t like about 2-10 Home Buyers Home Warranty

We don't like that the company’s basic plan, Simply Kitchen, only covers appliances; it doesn’t include HVAC coverage. Instead, customers have to pay extra for the Complete Home plan to get coverage for their air conditioners. Also, as an appliance-only plan, 2-10’s cheapest plan covers fewer items than some of its competitors’ comparable plans. Furthermore, 2-10 doesn’t pay to repair walls, floors or ceilings if a technician has to cut into them for a repair, and it has mixed customer satisfaction ratings on Better Business Bureau and Trustpilot.

Read our full review of 2-10 Home Buyers Home Warranty.

America’s Preferred Home Warranty’s only plan offers robust comprehensive coverage with no coverage limits on electrical and plumbing repairs and most appliances. The plan covers major home systems, including air conditioning systems and ductwork, as well as most major appliances, including refrigerators and washer and dryer sets (the only appliances with coverage limits). Compared with competitors’ plans, we think that America’s Preferred Home Warranty’s plan offers good coverage for the price.

What we like about America’s Preferred Home Warranty

In addition to providing good comprehensive coverage, the company includes limited roof coverage in the plan, which some competitors charge extra for. America’s Preferred Home Warranty also offers two service fee options so customers can choose which payment option they prefer. You can also choose your own repair company as long as it's licensed.

What we don’t like about America’s Preferred Home Warranty

We don't like that America’s Preferred Home Warranty only pays up to $500 to repair or replace a washer and dryer set; it also only pays up to $1,000 to fix a refrigerator. The company only pays to repair walls, floors or ceilings in certain cases, and its repair guarantee is on the shorter end at only 30 days. It has mixed ratings for customer satisfaction on the Trustpilot and Better Business Bureau websites.

Texans will find Complete Protection’s service fee among the best in the industry — because the company doesn’t charge one. Although it’s not the only company with this benefit, home warranty plans that don’t charge a service fee every time a technician visits a customer’s home are rare.

Complete Protection also has add-on coverage for customers who want to purchase a cheaper plan and only add coverage for a few extra items without going up to the next plan. For example, you can add coverage for your refrigerator for $8 per month if your chosen plan doesn’t already cover it.

What we like about Complete Protection

The company has four plans with a variety of coverage options. The cheapest option covers just three appliances and an HVAC system; the top plan covers eight appliances, major home systems and plumbing and electrical fixtures. In addition to covering HVAC systems in every plan, Complete Protection includes a preventive maintenance check for air conditioning and heating systems every other year in its top three plans. The company also has no limit on appliance repairs.

What we don’t like about Complete Protection

Complete Protection doesn’t disclose its coverage limits for HVAC repairs, even in its sample contract. We also don't like that the company won't pay to fix damage that technicians do to walls, floors or ceilings during a repair, and it only provides a 30-day guarantee for repairs. The company also doesn’t have any reviews on the Better Business Bureau website despite being BBB accredited and having a high BBB rating.

Service Magic USA offers a build-your-plan setup that lets you combine any of seven items to create the coverage you want. Customers can get coverage for just a single item — say, just an air conditioning system — or tack on a few other systems. Pricing is per item, so customers can see how much their monthly premium increases with each additional item. Prices range from $4.00 per month for exterior electrical coverage to $13.00 per month for air conditioning systems.

What we like about Service Magic USA

The ability to choose which systems to cover instead of going with a predetermined plan can save money if you only need coverage for a few items. The company also has high coverage limits, paying up to $5,000 for interior plumbing and $10,000 for exterior plumbing. Another perk that we appreciate is that Service Magic USA doesn’t charge service fees to send repair technicians to a customer’s home for a repair.

What we don’t like about Service Magic USA

Like the name suggests, Service Magic USA only covers major home systems, so you can’t get appliance coverage with this company. It offers $2,000 of coverage separately for interior and exterior electrical repairs, which is competitive, but we don't like that it only pays up to $2,000 for heating systems and $2,500 for air conditioning systems. This might not be enough to cover major repairs in the Texas heat. We also don't like that the company doesn't pay to repair damage caused by a technician cutting into a wall, floor or ceiling. Something else that caught our eye is that this company doesn’t have a Better Business Bureau profile or reviews on Trustpilot. That doesn’t mean it isn’t a reputable company, but it makes it difficult to know if customers had good experiences with the coverage.

Among the companies we’ve reviewed for Texas, Super Home Warranty takes the cake for best HVAC coverage. Its cheapest plan covers air conditioning systems and ductwork, pays to repair major parts (including coils and compressors) and it has no limits on repairs for most types of HVAC systems.

The company also has one of the highest appliance limits we’ve seen — $18,000 to $60,000 for appliances, depending on the plan. Most competitors’ plans top out at around $7,000 in coverage. Super Home Warranty’s appliance limits might help alleviate sticker shock if you need to replace your refrigerator.

What we like about Super Home Warranty

We like that the company doesn’t have a coverage limit for electrical or plumbing repairs, and it says it tries to contact a repair technician within four business hours of a customer requesting service (48 hours on weekends and holidays). Super Home Warranty offers decent coverage for appliances and systems in its cheapest comprehensive plan.

What we don’t like about Super Home Warranty

Super Home Warranty charges every customer a $75 service fee, so there’s no flexibility in service fees or premiums. The most basic plan doesn’t cover refrigerators or washer and dryer sets despite covering many other major home appliances. The company doesn’t pay to repair walls, ceilings and floors if a technician needs to cut into them to make a repair, so you could end up having to pay to fix a hole in your wall. Additionally, its repair guarantee is only for 30 days, and you can’t choose your own repair company.

Cinch Home Services has three plans and lets customers choose between three service fee options: $100, $125 and $150. Its cheapest plan only covers appliances, so you have to pay extra for air conditioning coverage. Rather than limiting how much it pays for certain repairs, the company pays up to $10,000 total for all repairs during a contract term. This might work for some customers but it could backfire for others. Cinch will pay up to $1,000 to repair walls, floors or ceilings if a technician damages them during a covered repair, and it guarantees its repairs for 180 days, which is much higher than most competitors. The company has mixed customer satisfaction ratings on Better Business Bureau and Trustpilot.

What we like about Cinch Home Services

Cinch Home Services has three plans and lets customers choose between three service fee options: $100, $125 and $150. Cinch will pay up to $1,000 to repair walls, floors or ceilings if a technician damages them during a covered repair, and it guarantees its repairs for 180 days, which is much higher than most competitors’ guarantees.

What we don’t like about Cinch Home Services

Its cheapest plan only covers appliances, so you’ll have to pay more for air conditioning coverage. The company has mixed customer satisfaction ratings on Better Business Bureau and Trustpilot.

Read our full review of Cinch Home Services.

We think this company is a good option for Texas homeowners, but it didn’t win our categories this year.

Choice Home Warranty

Choice Home Warranty offers two plans, both with a $100 service fee. Its cheapest plan includes comprehensive coverage but doesn't cover air conditioning systems. The company caps its coverage at $3,000 for HVAC, electrical, plumbing and appliance repairs, and it pays up to $500 to repair walls, ceilings and floors damaged by technicians. It guarantees its repairs for 30 days and has mixed ratings for customer satisfaction.

Read our full review of Choice Home Warranty.

Other home warranty companies we considered

These companies also provide home warranty plans in Texas but didn’t make our list this year.

• Select Home Warranty

• First American Home Warranty

• Home Service Club

• Home Warranty of America

• Home Protection Direct

• ServicePlus

How much does a home warranty cost in Texas?

NerdWallet's research shows that the average cost of a home warranty in Texas is $65.25 per month plus service fees. To compare costs of home warranties in Texas, we requested quotes for six cities from every company we considered for this review. For each city, we requested quotes for two ZIP codes, giving us more than 600 quotes to compare for 12 locations. Here are the highlights:

• Average cost for a home warranty in Texas: $65.25 per month.

• Cheapest quote: $7.00 per month.

• Most expensive quote: $163.00 per month.

• Average cost of cheapest plan: $49.48 per month.

• Average cost of highest plan: $79.70 per month.

• Median cost of cheapest plan: $53.00 per month.

• Median cost of highest plan: $110.25 per month.

Are home warranty companies regulated in Texas?

Yes, Texas requires home warranty providers to register with the Texas Licensing and Registration Department (TLRD). To receive a license, companies must provide information about their finances, controlling individuals and ability to fulfill contractual obligations. The department also requires home warranty companies to provide certain information to customers, keep claims records and use language in contracts that clearly states what is and is not covered by the service agreement^[0]

If you have a home warranty contract for a Texas property and believe a provider hasn’t fulfilled its obligations, you can contact the TLRD to file a complaint.

How does a home warranty work?

A home warranty repairs or replaces certain appliances and systems if they malfunction due to everyday wear and tear. Homeowners file claims with their service providers when covered items stop working properly, and the company assigns a third-party technician to the claim.

Customers generally have to pay service fees every time a technician makes a trip to look at a covered item. The cost of the fee depends on your plan and can range from $65 to $150.

Once the technician diagnoses the issue, the home warranty company pays for the repair if it approves the claim. However, if the company denies the claim, the homeowner will have to pay out of pocket for the repair.

If a covered item is beyond repair, many home warranty companies will replace the item. Replacements aren’t always an exact match, and many companies state in their service agreements that they don’t guarantee a replacement will be the same make or color.

What does a home warranty cover?

Home warranties cover common appliances such as refrigerators, ovens, built-in microwave ovens and clothes washers and dryers. Home warranties also often cover systems like heaters, air conditioners, plumbing and electrical systems.

Each company’s plan covers a preset list of items, and more expensive plans tend to cover more items. Some plans are comprehensive and cover a combination of appliances and systems; others are specific to appliances or systems only.

Most home warranties include exclusions and limitations on what is covered. For example, a plan might cover plumbing but not faucets or plumbing stoppages.

» MORE: How to budget realistically for home repairs

What does a home warranty not cover?

Home warranties usually don’t cover structural items such as foundations or water damage. These items are often covered in a homeowners insurance policy instead. Home warranties also usually don’t cover items that are currently under a manufacturer’s warranty, have cosmetic issues or are improperly installed.

» MORE: NerdWallet's best home warranties in California

Many home warranty companies don’t cover items damaged by natural disasters. This is bad news for coastal areas in Texas where hurricanes can make landfall. If a storm surge floods your home, hurricane winds damage your roof or your home is without power for days, a home warranty is unlikely to repair or replace appliances or systems that fail as a result.

Home warranty plans also rarely cover damage from extreme temperatures, and Texas has experienced temperature swings over the past few years. With temperatures as low as 5 degrees Fahrenheit in 2021 and as high as 110 degrees Fahrenheit in 2023, Texas's climate can mean hard work for heating and air conditioning systems. If your HVAC takes a hit during an extreme temperature event, your home warranty might not cover the repairs. This also applies to plumbing leaks if pipes burst because of freezing temperatures.

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