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Best Home Warranty Companies In texas 2024

Texans face unique challenges with their appliances, from extreme weather to frequent use. A home warranty can be a lifesaver, but choosing the right company can be tricky. We compare factors like coverage, customer service, pricing, and reputation to help you find the perfect fit for your needs and budget. This guide cuts through the clutter, analyzing the best home warranty companies in Texas for 2024.

OUR #1 PICK
fourhalf_star4.9/5
$150 Off + First Month Free
MOST POPULAR
fourhalf_star4.1/5
1st Month Free + Free Roof Coverage

Our Picks: 5 Best Home Warranty Companies For texas Residents

Having thoroughly assessed numerous companies, we've identified 5 of the best home warranty companies in Texas as the optimal choices for Lone Star State’s homeowners.

OUR #1 PICK
1

Elite Home Warranty

  • Choice for optional add-ons
  • Higher coverage limits per contract term
  • Competitive pricing
$150 Off + 1 Month Free. 30 Day Free Trial!
4.9
Excellent
fourhalf_star
Call Now
MOST POPULAR
2

Choice Home Warranty

  • Budget-friendly option
  • Basic coverage for essential appliances
  • Strong brand reputation
1st month free + Free roof coverage
4.1
Excellent
fourhalf_star
3

Regency Total Home Warranty

  • Affordable and flexible pricing plans
  • Comprehensive coverage that includes both systems and appliances
  • Simple and user-friendly claims process
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
4.1
Excellent
fourhalf_star
4

The Home Service Club

  • Wide range of coverage options for home systems and appliances
  • Quick response times and efficient customer service
  • Transparent pricing with no hidden fees
4.1
Excellent
fourhalf_star
5

American Home Shield (AHS)

  • Comprehensive coverage
  • Excellent customer service
  • Extensive network of repair providers
4.5
Excellent
fourhalf_star

Is Home Warranty Plans Beneficial For Texas Homeowners?

Home warranty plans can offer several benefits to Texans as it protects them from the following issues which are quite common in the state:

  • Heavy heat pressures HVAC systems and overheats electrical components in systems and appliances.
  • Heavy rains create major challenges to the plumbing and water flow systems.
  • Issues of rusting and corrosion become increasingly prevalent due to incessant rains, especially in outdoor appliances. 
  • Excessive rains cause floods and hurricanes, which mainly cause issues with the roof.
  • Texas experiences over 70% humidity and is considered very heavy. Also, humidity and moisture going hand-in-hand create many problems for home appliances and systems. 
  • High moisture content can harm electronic devices such as refrigerators, washing machines, dishwashers, and microwaves.  
  • Texans spend between $200 and $1,200 fixing their refrigerators, washers, and dryers. 
  • Similarly, excess moisture in dryers and washers is common in Texas, with repair costs averaging $100-$400. Including them in your home warranty coverage will be helpful.
  • A home warranty with a sufficient coverage limit for kitchen appliances is advisable to avoid such financial burdens.

How Much Does A Texas Home Warranty Cost?

Here's a general cost range for home warranties in Texas:

Average Annual Cost

$420 - $745

Average Monthly Cost

$35 - $65

Average Service Fee (Deductible)

$60 - $125

Here in Texas, the cost of a home warranty can vary depending on several factors, including:

  • Coverage Level: Plans covering major systems and appliances typically cost more than just essentials, similar to fixing your trusty Texas-sized air conditioner versus a leaky faucet.
  • Deductible: Opting for a higher deductible, like the deductible on your car insurance, can lower your monthly premiums, but remember, you'll pay more upfront for repairs.
  • Home Size & Age: Like that sprawling Texas ranch house needs more paint than a cozy bungalow, larger and older homes often have a higher risk of breakdowns, potentially affecting the warranty cost.
  • Location: Depending on where you are in Texas, from the bustling Houston metroplex to the quiet Hill Country, average costs might vary slightly due to factors like local service provider availability.

Home Warranty Coverage In Texas

Home warranty coverage in Texas can vary depending on the specific company and plan you choose, but some common inclusions and exclusions are:

General Coverage Of Texas Home Warranty

  • HVAC (Heating, Ventilation, and Air Conditioning) Systems Coverage for repairing or replacing essential components to keep homes comfortable in Texas’s hot summers and chilly winters.
  • Plumbing Systems Protection against leaks, clogs, and water heater malfunctions, common occurrences in Texan homes due to heavy rainfall and occasional freezing temperatures.
  • Electrical Systems Coverage for repairs to wiring, outlets, and circuit breakers to ensure safety and functionality.
  • Major Appliances Comprehensive coverage for appliances such as refrigerators, dishwashers, and ovens, safeguarding against breakdowns and ensuring convenience in Texan households known for their love of home-cooked meals and entertaining guests.

Common Exclusions

  • Pre-Existing Conditions Existing system or appliance issues might not be covered.
  • Cosmetic Issues They don’t cover repairs purely for aesthetic purposes.
  • Maintenance Neglect It likely wouldn’t be covered if a breakdown occurs due to lack of proper maintenance.
  • Specific Exclusions Carefully review the plan details to understand any specific exclusions listed by the company, as they might vary.

Here Are Some Additional Points To Consider

  • Coverage Caps Plans may limit how much they will cover for repairs or replacements.
  • Service Call Fees Some companies charge a set fee for each service call, while others might have variable fees.
  • Network Limitations Technicians within the warranty provider’s network might be unavailable, especially in rural locations.

Who Regulates Home Warranty Companies In Texas?

In Texas, the primary agency responsible for regulating home warranty companies is the Texas Real Estate Commission (TREC). They oversee the licensing and operations of companies offering residential service contracts (RSCs), Texas's official term for home warranties. TREC ensures compliance with the Texas Occupations Code Chapter 1303 Residential Service Company Act.

However, it's important to note that while TREC plays the main role, other agencies might also have indirect involvement  depending on specific aspects of a home warranty:

Final Word

Choosing the best home warranty in Texas requires careful consideration. Remember, the "best" choice depends on your needs and budget. Prioritize features most relevant to your Texas home, like robust AC coverage or appliance protection, to ensure peace of mind and safeguard your investment.

Frequently Asked Questions (FAQs)

Is Home Warranty Required In Texas?+

Are Home Warranties Transferable In Texas?+

What Does A Home Warranty Cover In Texas?+

Is A Home Warranty Required At Closing In Texas?+

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