The Best Home Warranty Companies in Texas of 2022

Texas can be humid and in some areas, prone to tornadoes and hurricanes, which may shorten the lifespan of key home systems and appliances. The best home warranty companies in Texas can help cover the costs of unexpected repairs or even full replacements of these items, providing peace of mind for homeowners.

By Jeff Keleher | Published Nov 21, 2022 3:56 PM

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The Best Home Warranty Companies in Texas

Photo: istockphoto.com

Owning a home in Texas can present some significant challenges when it comes to maintenance and upkeep due to the state’s somewhat unique climate. The combination of hot and humid summers, heavy tornado activity in parts of the state, and the threat of hurricanes along the Gulf Coast can make it imperative that homeowners keep their homes in good condition. While homeowners insurance will cover certain damages, it won’t pay for repairs on appliances or home systems that break down because of wear and tear. That’s where the best home warranties for Texas properties can help.

Home warranties cover maintenance and repair needs for various appliances and home systems, including HVAC systems, refrigerators, and water heaters. Maintaining air-conditioning systems and keeping them running properly can be essential to making it through a hot Texas summer. In some cases, a home warranty may include roof leak coverage—either as a standard offering or as an add-on purchase—helping homeowners preemptively address leaks that could worsen under the strain of a major weather event.

In the right circumstances, a home warranty can help homeowners drastically reduce their out-of-pocket expenses to fix or replace equipment and appliances that stop working. Texas homeowners may find that their home warranty needs differ from those of other people, so it’s important to find the right policy for a particular situation. No matter what specific terms and options a homeowner is looking for, the best home warranty companies in Texas have a lot of benefits to consider.

  1. BEST OVERALL: American Home Shield
  2. RUNNER-UP: Liberty Home Guard
  3. BEST REPAIR GUARANTEE: AFC Home Club
  4. BEST FOR LOW RATES: Cinch Home Services
  5. ALSO CONSIDER: Select Home Warranty
The Best Home Warranty Companies in Texas Options

Photo: istockphoto.com

What to Consider When Choosing One of the Best Home Warranty Companies in Texas

There are a lot of potential factors to consider when shopping for the best home warranty policies in Texas. Cost considerations are understandably going to drive the decision-making process for many people, but it’s important to look at the total value offered by the best home warranty policies before making a selection. The coverage terms and options offered by each company’s home warranty policies, for instance, may dictate which plan is right for each homeowner regardless of the total cost. While it’s typically important to check that a home warranty policy is available in a homeowner’s particular location, each of the best home warranty companies included in our research offer coverage in Texas.

Policies and Plans

Ultimately, a home warranty policy can often be judged by the quality of its coverage. Although certain coverage terms can be pretty common—companies typically offer HVAC coverage in some capacity—policies may offer different levels of coverage from company to company or plan to plan. Texas homeowners may want to pay particular attention to coverage details that may impact the home systems or appliances that could experience the most wear and tear in their area. Air-conditioning systems, for instance, may take on a lot of stress during the summer to keep homeowners cool all season long. Roofs could be battered by high winds and heavy rains, which may make roof leak and water damage coverage a high priority for homeowners looking at the top home warranty companies in Texas.

Average Monthly Rate

Figuring out if a home warranty is worth the cost of coverage can be tricky because there are so many cost considerations to weigh. Comparing the relative affordability of each company can be made easier by looking at the average monthly rate of those home warranty providers. The average monthly rate accounts for all standard policies without factoring in potential discounts or extra expenses such as add-on options. As such, the total cost of coverage for a given plan may be more or less than the company’s average monthly rate. Even so, checking this figure can give homeowners a good idea of what they will pay to get a home warranty policy.

Discounts

When comparing the best home warranty companies, Texas homeowners may notice that discounts are fairly common with these plans. For example, it’s not unusual for home warranty companies to offer a lower rate on multiyear plans, giving customers who choose to purchase more than 1 year of coverage in advance more bang for their buck. Some companies may also offer promo codes or timed discounts for customers to take advantage of to help lower the cost of their policy. In some cases, home warranty providers may extend extra perks to customers who purchase their premium or highest-tier plans. These perks could include free or discounted services, including HVAC tune-ups and air-conditioning refrigerant refills, which may add more value to the home warranty policy.

Service Fee

In addition to the annual or monthly premium that customers pay for their home warranty coverage, they will also owe a service fee when they submit a request for repairs. In many cases, home warranty companies will require customers to pay the service fee before a technician appointment can be scheduled, so it’s a good idea to keep this added expense in mind when comparing company rates. Service fees are extremely common with home warranties, and it’s highly unlikely that homeowners will find a provider that waives these fees. In some cases, companies may offer a range of fees to choose from, while others may set a flat service fee for every customer no matter what plan or coverage options they select.

Waiting Period

It’s rare for coverage on a home warranty to start right away; companies typically place a waiting period on all policies before they go into effect. New customers can usually expect to wait about a month before they can file a claim on their home warranty policy, but some companies may have longer waiting periods. The reason for these waiting periods is that companies want to protect themselves against unscrupulous homeowners who would open a policy to fix a pre-existing issue and then cancel their policy once those repairs are completed. That being said, some companies may be willing to waive the waiting period under certain circumstances—if a new customer can prove that they already have an existing policy with another company, for instance.

Claims Process

When an appliance or home system breaks down, homeowners will want to set up an appointment to have a qualified technician come to their house as soon as possible. Depending on the severity and timing of the issue, time could very well be of the essence. A broken air- conditioning unit may require immediate attention during the dog days of a Texas summer, for instance. With that in mind, it can be a good idea to review each company’s claims process to make sure that homeowners can quickly and easily schedule a repair whenever necessary. One factor to consider is the expected response time on a repair request: Some companies may promise to start the process of scheduling a technician appointment in as little as a few hours after the claim is received.

Workmanship Guarantee

After a repair has been completed, homeowners are usually given a grace period in which they can schedule follow-up work on the same appliance or home system without paying an additional service fee. This is known as a workmanship guarantee, and it can run anywhere from a single month to several years. Each company will set its own workmanship policy, so it’s good to know exactly how long repairs will be guaranteed before a customer will be required to pay another service fee to set up another technician visit. Longer workmanship guarantees may provide more peace of mind while potentially helping to save on out-of-pocket costs if homeowners encounter the same issue with a particular appliance over and over again.

Our Top Picks

There are a lot of options to choose from when it comes to finding the best home warranty companies in Texas. Top-tier providers can offer different combinations of coverage options, cost considerations, and extra perks for homeowners to explore.

Best Overall

The Best Home Warranty Companies in Texas Option American Home Shield
Photo: ahs.com

Why It Made the Cut: American Home Shield’s warranty coverage includes uncapped limits on home system repairs, geothermal air-conditioning support, and free or discounted HVAC tune-ups and refrigerant refills.

American Home Shield offers plenty of reasons for Texas homeowners to consider the company for their home warranty needs, especially if they’re looking for high-quality HVAC support. American Home Shield does not set a service cost limit on home system repairs, meaning that repair requests will never be denied because the quoted work is too expensive. In addition, home warranties cover repairs on geothermal air-conditioning systems as part of their standard policy terms, which is fairly uncommon. Coverage for such specialized HVAC systems would typically need to be purchased as an add-on, if offered at all. Customers can also receive either free or discounted HVAC tune-ups and refills on their air-conditioning refrigerant, depending on the policy they choose. These extra perks could help extend the life of different home systems and prevent more disruptive problems from developing.

Homeowners may want to be aware that the company’s workmanship guarantee only runs for 30 days after repairs are completed, so they will want to keep a close eye on covered appliances and home systems in case the same issues resurface before that time is up. American Home Shield does offer a 30-day window to cancel a new policy and receive a full refund, which may be useful for individuals who are unsure if a home warranty is right for them. Another benefit that homeowners may enjoy is the company’s ProConnect platform, which customers can use to schedule additional home services that would not be typically covered by a home warranty, such as carpet cleaning or power washing. Having access to this platform can make it easier for homeowners to find local service providers and quickly schedule an appointment.

Specs

  • Average monthly rate: $54
  • Service fee: $75 to $125
  • Waiting period: 30 days
  • Claims process: Online, phone
  • Workmanship guarantee: 30 days

Pros

  • No service cost limit on home system repairs
  • Geothermal AC repairs coverage
  • Free or discounted HVAC tune-ups
  • Unlimited or discounted AC refrigerant refills
  • Additional on-demand home services available
  • 30-day money-back guarantee

Cons

  • Relatively short 30-day workmanship guarantee

Runner-Up

The Best Home Warranty Companies in Texas Option Liberty Home Guard
Photo: libertyhomeguard.com

Why It Made the Cut: Liberty Home Guard offers numerous add-on options to expand home warranty coverage, a low service-fee option, and a user-friendly online quote tool to help homeowners build out their policy.

Texas homeowners interested in tailoring their home warranty to their specific needs may find Liberty Home Guard to be an appealing option. The company provides a wide range of extra coverage options that can be added to a basic plan at an additional cost. For instance, customers can purchase extra coverage to cover the cost to fix or replace professional-grade appliances that require more expensive components or expert technicians.

Thanks to the customizable online quote process, customers can add any extra services they would like and immediately see how those add-ons will affect the total cost of their policy. The quote tool also highlights add-on services that are popular with other customers in a shopper’s state or ZIP code. This way, customers can see what additional coverage options other Texas homeowners have elected to include with their home warranty, including pool and spa, lawn sprinkler, roof leak, and septic system coverage.

Some new customers could wait up to 60 days after enrollment before their policy begins, but others may experience a much shorter waiting period. There’s quite a bit of flexibility when it comes to paying for a policy, as Liberty Home Guard allows customers to make payments in monthly or annual installments, as well as the option to purchase up to 5 years of coverage up front. When the time comes to submit a repair request, customers could owe as little as $60 on their service fee, which could help reduce their out-of-pocket expenses.

Specs

  • Average monthly rate: $55
  • Service fee: $60 to $125
  • Waiting period: 30 to 60 days
  • Claims process: Online, phone
  • Workmanship guarantee: 60 days

Pros

  • Wide variety of service add-ons available
  • Low $60 minimum service fee
  • Professional-grade appliance coverage available
  • Transparent and customizable quote process
  • Flexible payment options

Cons

  • Possible relatively long 60-day waiting period

Best Repair Guarantee

The Best Home Warranty Companies in Texas Option AFC Home Club
Photo: afchomeclub.com

Why It Made the Cut: With significant discount opportunities, long workmanship guarantees, and the option for customers to select their own technician, AFC Home Club may be the right choice for many Texas homeowners.

AFC Home Club stands apart from many home warranty companies by allowing customers to choose their own technician. This option is pretty uncommon with home warranties, as most providers will insist on selecting a contractor from their existing network. Some homeowners may prefer the option to pick which professional handles any covered repairs, especially if they have worked with a particular contractor in the past and trust the quality of their work. Regardless of whether the customer or provider selects the technician, all repairs covered under AFC Home Club warranties are guaranteed for the entire duration of the policy, which could run as long as 3 years.

When deciding on what—if any—add-on options to include, new customers may want to be aware that these extra coverage terms can be purchased within the first 30 days of coverage without the company requiring an inspection. After that time, though, AFC Home Club will require an in-home inspection of any new add-on options, which the customer will need to pay for out of pocket. Customers can reduce the cost of their coverage by taking advantage of available discounts, however, including a 13 percent discount on 3-year plans. AFC Home Club also guarantees the monthly rate on new plans for 5 years, so if customers decide to renew their policy, they can receive that same initial rate even if the company’s prices have gone up in the meantime. This could help loyal and returning customers save money on their home warranty.

Specs

  • Average monthly rate: $56
  • Service fee: $75 to $125
  • Waiting period: 30 days
  • Claims process: Online, phone
  • Workmanship guarantee: 1 to 3 years

Pros

  • 5-year guarantee on monthly rate
  • Generous 13 percent multiyear policy discount
  • Extremely long 1- to 3-year workmanship guarantee
  • Customer-selected technician option

Cons

  • Add-on coverage after 30 days of policy purchase requires a professional inspection

Best for Low Rates

The Best Home Warranty Companies in Texas Option Cinch Home Services
Photo: cinchhomeservices.com

Why It Made the Cut: Texas homeowners who go with Cinch Home Services may receive a low monthly rate and quick turnaround times when filing a repair request, along with a 30-day money-back guarantee if they choose to cancel coverage.

Finding a home warranty plan at an affordable price often depends on the exact policy terms and coverage options a homeowner is looking for, but Cinch Home Service may be able to provide relatively low rates for many individuals. The company’s average monthly rate for Texas properties is just $48, which can help homeowners budget for this expense. Low rates may make it easier to manage the company’s higher service fees, which range from $100 to $150.

If new customers decide that a home warranty isn’t right for them, they can always choose to cancel their policy and receive a full refund within the first 30 days of coverage. Cinch’s claims process may give homeowners plenty to consider as well—in some cases, customers can expect a response to their repair requests within 2 hours of filing a claim. This quick turnaround time can help homeowners schedule repairs and fix problems with their appliances or home systems as quickly as possible.

Specs

  • Average monthly rate: $48
  • Service fee: $100 to $150
  • Waiting period: 30 days
  • Claims process: Online
  • Workmanship guarantee: 180 days

Pros

  • Low $48 average monthly rate
  • Quick response within 2 hours of service request possible
  • 30-day money-back guarantee

Cons

  • Relatively high $100 to $150 service fee

Also Consider

The Best Home Warranty Companies in Texas Option Select Home Warranty
Photo: selecthomewarranty.com

Why It Made the Cut: Select Home Warranty offers complimentary roof leak coverage on every policy as well as significant discounts for homeowners who opt to pay for an entire year up front.

Select Home Warranty could be another good option for Texas homeowners, offering various perks and benefits that may appeal to many individuals. For instance, the company includes coverage for roof leaks with every policy. This type of coverage is typically provided as an add-on option, but Select includes it as part of its standard coverage. Being able to cover some or all of the cost to patch roof leaks could help Texas homeowners keep their homes in good condition all year long.

Homeowners may want to be aware that the company’s workmanship guarantee is 30 days long. It’s also worth noting that Select’s $62 average monthly rate can be on the higher end of home warranty prices, but the total cost will depend on numerous factors such as the coverage terms selected, so homeowners may wind up paying less than that rate. Customers may be able to lower their coverage costs by paying for a 1-year policy in full; Select offers 2 months of free coverage to customers who make an annual payment rather than paying in monthly installments.

Specs

  • Average monthly rate: $62
  • Service fee: $75 to $100
  • Waiting period: 30 days
  • Claims process: Online, phone
  • Workmanship guarantee: 30 days

Pros

  • Free limited roof coverage with every policy
  • 2 months of free coverage with annual payment

Cons

  • Relatively high $62 average monthly rate
  • Relatively short 30-day workmanship guarantee

Our Verdict

American Home Shield is our pick for Best Overall due to the uncapped coverage limits on home system repairs, free or discounted maintenance on HVAC systems, and option to schedule other home services. Runner-Up goes to Liberty Home Guard because of the many optional service add-ons that customers can purchase as well as the option to choose a low service fee.

How We Chose the Best Home Warranty Companies in Texas

When determining the best home warranties in Texas, our research weighed factors that may specifically pertain to homeowners living in the Lone Star State. We looked at coverage options and benefits relating to HVAC equipment and other home systems that need to work all year round to keep homes comfortable. We also checked the cost of coverage for each company from different vantage points, including the average monthly rate, service fee, and potential discount opportunities. Workmanship guarantees and claims processes were important considerations that influenced our recommendations, as they may impact both the speed at which customers can schedule covered repairs and the quality of the work provided.

Before You Choose One of the Best Home Warranty Companies in Texas

When deciding whether a home warranty is a good purchase, homeowners should consider the kind of coverage they need. If they want to ensure their home systems and appliances are covered in the event of certain types of damage, then their existing homeowners insurance policy may already provide this type of protection. A major difference between homeowners insurance and a home warranty is that warranties are meant to help pay the costs to fix or replace equipment that’s malfunctioning due to normal wear and tear, and not because of accidental damage. In a similar vein, homeowners may want to check if any appliances or home systems have a manufacturer’s warranty that is still in effect. That coverage could overlap with home warranty coverage, so it may not be worth the added expense to purchase a policy from a home warranty provider.

Cost of Opting for One of the Best Home Warranty Companies in Texas

Home warranty costs can vary depending on a variety of factors, including the size of the home, the type of coverage selected, and any add-on options a customer wants to purchase. On average, though, a home warranty can cost around $600 per year. Companies typically offer more than one plan for customers to choose from, each one at a different price point. Plans that only cover either home systems or appliances are often less expensive than more comprehensive plans that cover both. Add-ons can expand coverage to include backyard pools, sprinkler systems, and septic systems. Some companies may even offer home services such as power washing, carpet cleaning, and gutter cleaning as add-on options. These extra coverage terms can further increase the cost of coverage for homeowners.

Customers may also want to account for service fees when considering the affordability of the best home warranty companies in Texas. They will need to pay this fee when they submit a claim, which impacts the overall cost of a policy. In addition, companies may offer a range of service fees for customers to consider, and picking a lower fee will likely increase the monthly or annual rate of the policy. Even with all of these cost considerations, it’s important to look at the total value offered by a policy; the cheapest provider isn’t necessarily the best home warranty company in Texas.

The Advantages of Opting for One of the Best Home Warranty Companies in Texas

The best home warranty companies in Texas can offer financial protection in the event that critical home systems or everyday appliances fail due to regular use and normal wear and tear. Paying for such repairs completely out of pocket could be very expensive, and a home warranty may significantly reduce repair or replacement costs. Warranty providers may also be able to schedule technicians in short order so malfunctioning systems can be brought back to working condition as quickly as possible. Customers who choose one of the best home warranties in Texas may find several other benefits as well:
Zero caps on the cost to repair home systems such as heating or cooling systems;

  • Various service add-ons, including coverage for sprinkler systems, pools, and professional-grade
  • appliances; and
  • Options for customers to choose their own trusted technician to handle covered repairs.

FAQs

Understanding how home warranties work is key to finding the right policy for any given situation. By doing a little research, homeowners can avoid overpaying for coverage they don’t need or signing up for a plan that doesn’t provide enough coverage to meet their particular needs. When searching for the best home warranty company, Texas homeowners may want to start by addressing some of the most common questions homeowners have about home warranties, especially when it comes to finding a policy in Texas.

Q. What do home warranties cover?

Home warranties can cover various home systems and appliances in the event they break down as a result of regular use and normal wear and tear. Exact coverage terms will depend on the company and the policy. Some plans only cover certain home systems or appliances, while other policies are more comprehensive. Deciding which—if any—home warranty a homeowner needs may depend on the scope of coverage included with each policy.

Q. What are the different home warranty plan options on the market in Texas?

Coverage will vary from company to company, but Texas home warranties often include HVAC systems, refrigerators, dishwashers, clothes dryers, ovens, stovetop ranges, and plumbing systems. When looking at options and conducting a home warranty comparison, Texas homeowners may find that some companies allow them to purchase add-ons to cover pools, sprinkler systems, stand-alone freezers, and more.

Q. How do I choose a good home warranty?

It’s relatively easy to find policy terms and price options online through each provider’s website, allowing homeowners to compare home warranty companies in Texas. That being said, it’s important that customers figure out exactly what kind of coverage they need before vetting providers. This way they can find the best home warranty company in Texas to fit their circumstances.

Q. Is a home warranty required in Texas?

Texas homeowners are not required to obtain a home warranty, although a home warranty could be worth it to potentially save money on repairs down the line. Homeowners insurance, meanwhile, is often required by mortgage lenders before they will approve a home loan.

Q. Can I cancel my home warranty?

Cancellation terms will vary depending on the home warranty company, but generally speaking, customers can cancel their policies before their contract ends. In some cases, customers may need to wait several weeks for their cancellation request to be processed, and they may be required to submit their notice in writing. It can be difficult to get a refund—either in full or prorated based on the remaining length of the policy—so homeowners should read the terms of their agreement before ending their plan early.

Q. Are home warranty companies trustworthy?

Although many home warranty companies operate in good faith, homeowners may run into a few bad actors. Reading home warranty reviews and checking customers’ past experiences can help give a sense of what to expect with each company. Potential issues to look out for include unjustly denied claims, unnecessary repair delays, and excessive fees. Keeping home systems and appliances in good working condition with proper maintenance and routine upkeep could help prevent claims being denied due to customer neglect.