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Best Home Warranty Companies in Texas | 2022

Are you looking for a home warranty to protect your systems and appliances? Read our comprehensive guide on the five best home warranty companies in Texas.
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As a homeowner, you've got to expect the unexpected. Luckily, a home warranty helps you keep your house in tip-top shape and puts you at ease. Signing up for one saves you money, time, research, and effort. This is especially true in Texas, where relentless heat, humidity, and possible hurricanes can cause obstacles, threatening your HVAC system and ground-level appliances.

You can find the best and most worthwhile coverage for your home with this thorough review of the top home warranty companies serving Texas. Our research team has performed in-depth research into many plan options, incorporating pricing, customer service ratings, and more to provide unbiased recommendations for the best home warranty providers in Texas.

The Top Texas Home Warranty Companies

  1. American Home Shield: Best Overall
  2. Choice Home Warranty: Best Basic Plan
  3. First American Home Warranty: Best Coverage Upgrade
  4. Select Home Warranty: Best Discounts
  5. AFC Home Club: Best Plan Variety

#1 Best Overall in Texas: American Home Shield 

American Home Shield is the industry leader for good reason. This company offers a number of plan options, including ones specific to systems or appliances. When common wear and tear and everyday use breaks appliances, AHS is there to cover the costs of all repairs, removals and replacements. American Home Shield has earned its reputation over nearly 50 years in business, making it the longest-running home warranty company serving Texas.  

Get a free quote from American Home Shield by calling 844-529-9298 or filling out this online form.   

Best Overall
American Home Shield
Pros Cons

✓ Covers cost of removing appliances that have broken
✓ Discounts on brand-name appliances
✓ Home inspection not required
✓ 24/7 customer service

☓ Claim fees can get higher than $100
☓ Only a 60 day workmanship guarantee
☓ Attempting to make repairs yourself can nullify coverage

American Home Shield Plans

The company offers three distinct plan options, including an ShieldSilver™, ShieldGold™, and ShieldPlatinum™. ShieldSilver protects 11 appliances, including important features like the dishwasher, refrigerator, and clothes washer and dryer. ShieldGold covers 10 home systems including plumbing and electrical. ShieldPlatinum does double duty, protecting all of the above with some additional perks. including HVAC tune-ups and roof leak repairs.

Customization options are also available for features like septic pump, pool and spa, along with guest homes up to 750 square feet.

Here are the specific items covered in each plan: 

Plan What's Covered

ShieldSilver Plan

Includes the following major systems:
Electrical ✓
Air conditioning ✓
Heating ✓
Breakers and fuze boxes ✓
Plumbing ✓
Water heaters ✓
Toilets ✓
Faucets and valves ✓
Whirlpool tub motor and components ✓
Ductwork ✓
Built-in exhaust, vent, and attic fans ✓
Doorbells ✓
Garage door openers ✓
Ceiling fans ✓

ShieldGold Plan

Covers all systems in the ShieldSilver Plan, plus the following appliances:
Refrigerators ✓
Clothes washers ✓
Clothes dryers ✓
Ranges/cooktops ✓
Ovens ✓
Dishwashers ✓
Built-in microwave ovens ✓
Garbage disposals ✓
Hot or cold water dispensers ✓

ShieldPlatinum Plan

Covers everything in the other two plans, plus:
One free HVAC tune-up ✓
Roof leak repairs ✓
Unlimited AC refrigerant limits ✓
$1,000 coverage for code violations ✓
$3,000 increase to appliance coverage limit ✓

American Home Shield Costs

Because they are all so highly personalized, the prices for each plan varies. On average, the plans cost $20-$65, according to a representative we spoke to. Service fees range from $75-$125.

American Home Shield Optional Add-Ons

American Home Shield offers optional add-ons for your pool and spa, guest units less than 750 square feet, well pumps, and septic pumps. 

American Home Shield Claims Process 

Customer service is available 24/7, giving you the choice between making a request online or calling at 888-682-1043. According to American Home Shield, they review and contact professionals to attend to service requests within the first day 98% of the time.

American Home Shield Reviews

American Home Shield has been accredited by the BBB since 1997, earning a B rating, and has 5,086 customer reviews. Some of the highest praise namechecks quick service and knowledgeable employees. 

You can get a free quote from American Home Shield by calling 844-529-9298 or filling out this online form

#2 Best Basic Plan: Choice Home Warranty

Choice Home Warranty has comprehensive coverage and low service fees. Additionally, the company won't deny coverage based on the age of your appliances or systems, making it a good option for older Texas homes. Choice Home Warranty offers two plans, both of which offer super-speedy customer service. It even made the Inc. 5000 list in 2018.

To get a free quote from Choice Home Warranty, call 800-495-1292 or fill out this simple form online.

Best Basic Plan
Choice Home Warranty
Pros Cons

✓ Free service for failed repairs
✓ Affordable, low-cost plans
✓ First month free if you buy a single-payment warranty plan

☓ Few customization options

Choice Home Warranty Plans

Choice Home Warranty's Basic Plan protects integral home systems like plumbing, heat and electrical. It also covers over a dozen standard household items like dishwasher, stoves, water heater, and ductwork.

The broader Total Plan encompasses everything covered in the Basic Plan, plus your refrigerator, washing machine, dryer, and air conditioning — a Houston must, and even completely covers Freon, a home warranty rarity. There are also a la carte options to add coverage for a selection of appliances like a pool and second refrigerator. 

Be sure to review plans from Choice Home Warranty to determine which is the best option for you:

Plan What's Covered

Basic Plan

Includes the following systems and appliances:
Oven, stove, and cooktop ✓
Built-in microwave ✓
Dishwasher ✓
Heating system ✓
Ductwork ✓
Water heater ✓
Plumbing system ✓
Plumbing stoppages ✓
Electrical system ✓
Exhaust and ceiling fans ✓
Whirlpool bathtub ✓
Garage door opener ✓
Garbage disposal ✓

Total Plan

Includes all of the items listed above, plus the following:
Air conditioning ✓
Refrigerator ✓
Clothes washer ✓
Clothes dryer ✓

Choice Home Warranty Costs

When we called the company, a representative shared that the average cost per month ranges from $29-$42, and the service fee is $85

Choice Home Warranty Optional Add-Ons

Choice Home Warranty offers optional add-ons for coverage on roof leaks, septic systems, septic tank pumping, well pumps, sump pumps, second refrigerators, stand-alone freezers, central vacuum, pools, and spas.

Choice Home Warranty Claims Process

Customer service is available 24 hours a day, 7 days a week, 365 days a year, so you can submit a new service request at your convenience by calling 888-531-5403, or sending a message online through your account's Message Center.

As an added benefit, you can even use the center to get updates on existing requests.

After receiving your request, Choice Home Warranty will contact a service professional in your area within either 48 hours for normal business days, or within four days, if you call on a weekend or holiday.

Choice Home Warranty Reviews

Choice Home Warranty received a B- rating from the Better Business Bureau, and has 1,640 customer reviews. Common feedback from fans includes prompt service and professionalism.

To get a free quote from Choice Home Warranty, call 800-495-1292 or fill out this simple form online.

#3: Best Coverage Upgrade: First American Home Warranty 

First American Home Warranty has earned a solid reputation thanks to its super-inclusive plans and unique, optional First Class Upgrade coverage. The company protects systems and appliances to an intense degree — even ones that were installed, maintained or modified improperly. This makes it a lot more forgiving than most.

Get a free quote from First American by calling 833-777-0049 or going online.

Best Coverage Upgrade
First American Home Warranty
Pros Cons

✓ Covers improperly installed or maintained appliances
✓ BBB accredited
✓ 24/7 customer service

☓ 30-day workmanship guarantee
☓ Few customization options

First American Home Warranty Plans

First American offers two plans for buyers, one plan for sellers, and the optional First Class Upgrade. Sellers can purchase the Basic Plan, which covers standards like electrical, plumbing, and garbage disposal, with the option to include heating, central air, and ductwork. 

For buyers, the Basic Plan covers everything the seller's Basic Plan does, like garage door openers and dishwashers, although heating, central air, and ductwork are not optional. If buyers want to kick it up a notch, they can explore the Eagle Premier, which comes with all the protections as the basic plans, with the addition of refrigerators and clothes washers and dryers.

First American's plans cover the following items:

Plan What's Covered

Basic Plan

Refrigerator ✓
Clothes washer ✓
Clothes dryer ✓
Dishwasher ✓
Microwave ✓
Oven / range / cooktop ✓
Garbage disposal ✓
Trash compactor ✓

Premier Plan

Covers everything in the Basic Plan, plus the following:
Plumbing ✓
Plumbing stoppages ✓
Heating system ✓
Water heater ✓
Electrical system ✓
Garage door opener ✓
Ductwork ✓
Central vacuum system ✓

First American Home Warranty Upgrade

The real eye-opener is the First Class Upgrade, which covers fees relating to cranes and other lifting equipment used to repair roofs and the costs to dispose of systems and appliances that First Class replaces or repairs. 

First American Home Warranty Costs 

When we called the company, a representative shared that the price ranges from $28-$50 per month, which puts it at the lower end of the spectrum. Service fees range from $75-$100.

First American Home Warranty Claims Process

First American provides customer service 24/7, whether customers choose to call 800-992-3400 or submit a service request online.  

Claims come with a fee ranging from $75-$100. If there are no contractors within the First American network available, the customer may have the choice to hire an independent contractor.

First American Home Warranty Reviews

First American is accredited by the BBB, where it has earned a B+ rating and has 1,346 customer reviews. Many fans remarked on the pleasant customer service, and First American is actively involved in responding to individual reviews. 

Get a free quote from First American by calling 833-777-0049 or going online.

#4 Best Discounts: Select Home Warranty

Select Home Warranty offers three plan options, offering a good range, some unique coverage and certain key add-ins that other home warranty companies don't — all at some serious discounts.

Get a free quote from Select Home Warranty by calling 317-204-4697 or going online

Best Discounts
Select Home Warranty
Pros Cons

✓ Free roof leak coverage with plans
✓ 24/7 customer service
✓ Offers a variety of optional add-ons for extra coverage

☓ Must report a claim within three days
☓ $75 cancellation fee if you cancel after the first month

Select Home Warranty Plans

The options start with Bronze Care, which covers appliances like clothes washers and dryers, dishwashers, and stoves. Gold Care protects home systems, including heating, air conditioning, electrical, and ductwork. Platinum Care is comprehensive, combining everything from Bronze and Gold, with some bonuses like plumbing stoppages coverage.

A major perk of Select Home Warranty is that all plans include free roof protection, a $99 value. You can also add on a variety of other coverage features, like sump pumps, septic systems, pool and spa.

Plan What's Covered

Bronze Care Plan

Clothes washer ✓
Clothes dryer ✓
Refrigerator ✓
Garbage disposal ✓
Cooktop ✓
Stove/oven ✓
Dishwasher ✓
Built-in microwave oven ✓

Gold Care Plan

Plumbing system ✓
Heating system ✓
AC/Cooling ✓
Electrical system ✓
Water heater ✓
Ductwork ✓

Platinum Care Plan

Clothes washer ✓
Clothes dryer ✓
Garbage disposal ✓
Refrigerator ✓
Cooktop ✓
Stove/oven ✓
Dishwasher ✓
Built-in microwave oven ✓
Plumbing system ✓
Plumbing stoppages ✓
Heating system ✓
AC/Cooling ✓
Electrical system ✓
Water heater ✓
Ductwork ✓
Garage door opener ✓
Ceiling fan ✓

Select Home Warranty Costs

When we called the company, a representative shared that plans range from $36-$42 per month. Service fees are $75.

Select Home Warranty Optional Add-Ons

Select Home Warranty offers optional add-ons for coverage on roof leaks, sprinkler systems, central vacuum, pool and spas, septic systems, sump pumps, well pumps, and stand-alone freezers. 

Select Home Warranty Claims Process

Customer service is available 24/7, so you can call 855-267-3532 or submit a service request on their site. A professional will visit to check out your request in either two days or four days, if you call on a holiday or weekend. 

Select Home Warranty Reviews

Select Home Warranty has received a B rating from the BBB with 710 customer reviews. Common compliments include quick response and polite contractors. 

To get a free quote from Select Home Warranty, call 317-204-4697 or fill out a simple form online.

#5: Best Plan Variety: America's 1st Choice Home Club

America's 1st Choice (AFC) Home Club goes above and beyond with four plans, offering lots of customization options to make your plan your own.

Get a free quote from America's 1st Choice by calling 877-755-1115 or filling out this online form.

Best Plan Variety
America's 1st Choice (AFC) Home Club
Pros Cons

✓ Highly customizable with four plans
✓ You can choose your own contractors
✓ 24/7 customer service

☓ One day only to submit claim
☓ High service fees up to $125

AFC Home Club Plans

The Systems Plan covers five home systems, including air conditioning, heating, and electrical. The Silver Plan specializes in appliances, covering nine, including clothes dryer and washer, oven, and water heater. The Gold Plan covers a combo of both systems and appliances, like ductwork and range. The Platinum Plan bundles them all, plus plumbing stoppages and faucets.

Plan What's Covered

Systems Plan

Air conditioning ✓
Heating system ✓
Water heater ✓
Electrical system ✓
Plumbing system ✓
Ductwork ✓
Cooktop ✓
Built-in microwave ✓

Silver Plan

Clothes washer/dryer ✓
Refrigerator ✓
Oven/range/stove ✓
Dishwasher ✓
Garbage disposal ✓
Garage door opener ✓

Gold Plan

Covers all items in the Systems Plan and Silver Plan.

Platinum Plan

Covers all items in the plans above, plus the following:
Ice maker ✓
Built-in microwave ✓
Plumbing stoppages ✓

AFC Home Club Costs

We called the company, and a representative shared that plans range from $43-$59. The service fee ranges from $75-$125.  

AFC Home Club Claims Process

There is a drawback. Although America's 1st Choice offers 24/7 availability by phone and online, homeowners have just one day to make the claim after a system or appliance breaks. The company will contact a professional within two to four days, depending on if you call on a regular business day.

But there's an upside, too. America's 1st Choice allows you to choose your own contractor, letting you call up that trusted handyman you like. 

AFC Home Club Reviews

America's 1st Choice is accredited by the BBB and holds a B rating, with 106 customer reviews. Common praise features efficiency and informative employees. The reviews for this company are interesting in that many applaud specific employees, suggesting a high level of personal care.

You can get a free quote from AFC Home Club by calling 877-755-1115 or going online.

Choosing a home warranty is one of the most important decisions you can make as a homeowner after buying your house. Owning a home is expensive, from your taxes to your mortgage. Doesn't it make sense to cut costs wherever you can? 

And when providers are this transparent, efficient, and convenient, the value is undeniable.  

Home Warranty Rating Methodology

The Home Service Research Team at Better Homes & Gardens strives to provide unbiased and objective reviews to readers by compiling relevant information on home warranty companies and rating the providers on a variety of factors.

Here's what our review process looks like:

  • We examine each provider's website to determine plan details, coverage, customer service offerings, and other benefits. We also speak with company representatives to get more insight on plan details.
  • We read sample contracts from each home warranty company to analyze and compare coverage details, limits, and exclusions.
  • We read at least 100 third-party customer reviews for each home warranty company to determine the real-life benefits and drawbacks of each provider.
  • We gather cost information for a variety of home warranty plans in different states by completing online quote forms and speaking with sales representatives to simulate the quote process.
  • We revisit each company's offerings on a seasonal basis, ensuring that we include the most up-to-date information in our reviews.

We also created a 100-point rating system to score companies based on objective factors, such as plan options, coverage, and customer service:

Factor

What we consider

Plan Options

The number and type of plan options offered to customers

Coverage

The types of items included in a policy

Cost

How much each plan costs and the service fee options

Company Reputation

How the company is perceived through Better Business Bureau (BBB) ratings and a company's years in business

Customer Service

The customer service team's availability, what guarantees are offered, and what customer communication channels are provided (online customer portals, quote forms, etc.)

Unique Benefits

Factors that make the customer experience more seamless, such as allowing customers to choose their own contractor

Overall, the Home Service Research Team has reviewed over 70 home warranty companies to select the top-rated providers in the industry.

Frequently Asked Questions

Q. Are home warranty plans worth it?

A. The amount of money you can save from not having to soak up the cost of broken appliances and systems yourself adds up over time. Home warranty providers have you covered, so there's no need to worry. If you can put a price on peace of mind, this would be it. 

Q. Will home warranty plans replace and cover old HVAC systems? 

A. It depends on the plan you choose; be sure to read over your coverage details carefully if you want HVAC coverage. Generally speaking, it's much cheaper to repair and replace HVAC systems when you have a home warranty. Some components can be replaced for free, but exclusions and restrictions apply. 

Q. Do home warranty plans cover pre-existing conditions?

A. None of the plans in this guide cover pre-existing conditions, and the majority of home warranty companies at large do not either.