The Best Home Warranty Companies in Texas

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.
By Home Service Research Team
November 30, 2020
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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 greatest home warranty providers in Texas.

Keep reading to learn more about our top picks. 

The Top Texas Home Warranty Companies

  1. American Home Shield: Best Overall
  2. Choice Home Warranty: Best for Older Homes
  3. First American Home Warranty: Most Comprehensive Claim Coverage
  4. Select Home Warranty: Best for Budget Shoppers
  5. America's 1st Choice (AFC) Home Club: Most Flexible Plan Options

#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:
✓ Long-running history and reputation
✓ Covers cost of removing and disposing of appliances that have broken from everyday wear and tear
✓ Discounts on brand-name appliances
✓ Home inspection not required
✓ 24/7 customer service

Cons:
☓ Claim fees can get higher than $100
☓ Comparatively short, 60-day workmanship guarantees
☓ Attempting to make repairs yourself can nullify coverage

American Home Shield Plans

The company offers three distinct plan options, including an Appliance Plan, Systems Plan, and Combo Plan. 

The Appliance Plan protects 11 appliances, including important features like the dishwasher, refrigerator, and clothes washer and dryer. The Systems Plan covers 10 home systems including plumbing and electrical. The Combo Plan does double duty, protecting all of the above.

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: 

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. 

On November 25, 2019, Deborah F. said: 

Have had AHS contract for 14 years. Each interaction has been successful. It is simple to open a service request. Vendors dispatched have always been pleasant and helpful. 

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

#2 Best for Older Homes: 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 for Older Homes
Choice Home Warranty

Pros:
✓ 24/7 customer service
✓ Affordable, low-cost plans
✓ Easy cancellation process
✓ Home inspections not required
✓ First month free if you buy a single-payment warranty plan
✓ Free service for failed repairs

Cons:
☓ 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:

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.

 On December 7, 2016, reviewer Lenny H shared: 

Excellent service in a timely matter. Technician arrive at specified time and diagnosed problem and gave a time for parts and when problem will be repaired. I'm totally satisfied.

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

#3: Most Comprehensive Claim Coverage: 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.

Most Comprehensive Claim Coverage
First American Home Warranty

Pros:
✓ Covers improperly installed or maintained appliances
✓ BBB accredited
✓ 35 years in business
✓ 24/7 customer service

Cons:
☓ 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:

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. 

On October 21, 2019, Pam D. said:

Having First American handle my home warranty was been worth the price; they are so accommodating and friendly. I just call them up whenever I need them, and the repairmen always arrive on time no matter who they send! This is a great company and they truly know their business.

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

#4 Best for Budget Shoppers: 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 for Budget Shoppers
Select Home Warranty

Pros:
✓ Free roof leak coverage
✓ 24/7 customer service
✓ Offers a variety of optional add-ons

Cons:
☓ 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.

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. 

On June 21, 2018, Gary T. said: 

I have been with this company for years. Before I was with another company that was not working well with me. I'm disabled and cannot do much. I had Select home warranty come out on a service call complete the call the same day. The other company was stating that they could not repair something without calling the manager. Select Home Warranty is a complete home warranty company with reasonable plans.

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

#5: Most Flexible Plan Options: 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 going online.

Most Flexible Plan Options
America's 1st Choice (AFC) Home Club

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

Cons:
☓ 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.

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.

On June 22, 2019, Jason G. said:

D3s services called me the day they were supposed to arrive at 1300, and canceled said they would be at my house to do the repairs next day. I took off work and couldn't take off again. I called my rep Luke with AFC I told him the issue I had. He called me back within 15 min and told me AFC would replace my (over the range microwave $400 value) for the inconvenience. Luke and Alexsis very professional and respectful! I will stay a life long customer if they keep professional and respectful employees continuously. Like my reps. I am very happy with AFC they went above and beyond!

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.  

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.