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 Picks: 6 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.

Highly Rated By Customers

4.9 |

Excellent

50% Off + First Month Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

Pros & Cons

Pros

Choice for optional add-ons
Higher coverage limits per contract term
Competitive pricing

Cons

Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty offers three home warranty service plans for Mississippi homeowners: Elite Appliances, Elite Systems, and Elite Complete. The company’s standard service fee is $70. However, customers can pay an additional amount to select ‘$0 service call fee’ until five claims. The coverage cap is up to $7,000 and $8,000 per contract.

Here are the elaborative pricing details:

Plans	Premium (Monthly)
Elite Appliances	$44.99
Elite Systems	$49.99
Elite Complete	$59.99

Elite Appliances

Includes 8 essential appliances for the functioning of your home
Coverage for appliances such as garbage disposals, dishwashers, and more
Provides targeted protection for appliances that are frequently used and prone to wear and tear

Elite Systems

Has coverage for 8 major home systems
Covers household items such as air conditioning, plumbing, etc
Ideal for homeowners to prioritize protection for vital home systems

Elite Complete

Comprehensive coverage for household items
Includes everything from both the other plans at a competitive price
Suitable for homeowners looking to purchase an all-inclusive plan

Why We Picked It?

Elite Home Warranty has been able to capture market share because of its timely customer service, competitive pricing, and network of technicians. You can select any plan from their portfolio to avoid the hustle and bustle of regular repairs.

Best For Coverage Limits

4.5 |

Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Comprehensive coverage
Excellent customer service
Extensive network of repair providers

Cons

Higher monthly cost compared to some competitors

Plans, Cost & Coverage

American Home Shield offers three plans – ShieldSilver, ShieldGold, and ShieldPlatinum. The plans start from $29.99 and go up to $89.99. AHS’s coverage limits for appliances and systems are $2,000 and $5,000, respectively. The cost and plan details are further explained below:

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$29.99	$49.99	$79.99
Cost at $100 Service Call Fee	$39.99	$59.99	$89.99

ShieldSilver

Basic coverage for essential home systems and appliances
Limited coverage with lower premiums
Suitable for budget-conscious homeowners

ShieldGold

Enhanced coverage, including major systems like HVAC and plumbing
Moderate premiums with broader coverage than ShieldSilver
Ideal for homeowners seeking comprehensive protection without high costs

ShieldPlatinum

Comprehensive coverage for all major home systems and appliances
Highest level of protection with premium features and benefits
Higher premiums but offers peace of mind with extensive coverage

Why We Picked It?

American Home Shield stands has extensive coverage options, a nationwide network of qualified technicians, and customizable plans tailored to individual needs and budgets. Renowned for its customer satisfaction and reputation for reliability, AHS offers Texas homeowners peace of mind and prompt service when it matters most.

Best For Customer Satisfaction

4.7 |

Excellent

$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Affordable rates
Good customer service
Covers two AC units

Cons

Limited coverage options compared to some competitors

Plans, Cost & Coverage

Liberty Home Guard has three plans in its portfolio, with the cost starting from $49.99. Their plans are Appliance Guard, Systems Guard, and Total Home Guard. LHS offers upto $2,000 coverage limit for all the covered items. Here is a detailed overview of the cost and plans offered by Liberty Home Guard:

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99/Month	$54.99/Month	$59.99/Month
Annual Plan	$499.99/Annum	$549.99/Annum	$599.99/Annum

Appliances Guard

Coverage for essential household appliances such as refrigerators, ovens, and dishwashers
Protection against mechanical failures and malfunctions due to normal wear and tear
Cost-effective plan focused on safeguarding appliances commonly prone to breakdowns

Systems Guard

Comprehensive coverage for major home systems, including HVAC, electrical, and plumbing
Protection against unexpected failures and malfunctions of essential systems
Ideal for homeowners seeking comprehensive coverage for their home’s vital systems

Total Home Guard

All-encompassing coverage for both appliances and home systems, providing maximum protection
Comprehensive protection against mechanical failures, malfunctions, and normal wear and tear
The most extensive plan offered by Liberty Home Guard offers peace of mind for homeowners seeking comprehensive coverage

Why We Picked It?

Liberty Home Guard helps homeowners avoid unexpected repair costs by safeguarding their appliances and home systems from breakdowns and malfunctions. They offer flexible plans to suit various needs and budgets, ranging from basic coverage for essential systems to comprehensive plans for added peace of mind for Texans.

Best For Comprehensive Plans

3.7 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Budget-friendly option
Basic coverage for essential appliances
Strong brand reputation

Cons

Limited coverage & higher deductibles

Plans, Cost & Coverage

Choice Home Warranty plans start at $46 for the Basic Plan and go upto $55 for the Total Plan. One-time payments for the annual plans are $560 and $630, respectively. Choice Home Warranty offers an annual aggregate coverage of $3,000 for systems and appliances.

Plans	Monthly	Yearly
Basic Plan	$46	$530
Total Plan	$55	$630

Basic Plan

Coverage for essential home systems
Protection for major household appliances
Ideal for homeowners seeking basic coverage

Total Plan

Comprehensive coverage for all major home systems and appliances
Includes protection for items covered under the Basic Plan, plus additional items like the refrigerator, washer, and dryer
Suitable for homeowners looking for maximum coverage

Why We Picked It?

Choice Home Warranty’s two main plans and various add-ons offer flexibility for diverse needs and budgets. Their Total Plan boasts extensive coverage for peace of mind. Skilled technicians nationwide ensure prompt service, and their strong reputation makes them a trusted choice.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Customizable plans
Good customer service
Free roof leak protection

Cons

Limited availability in some areas

Plans, Cost & Coverage

Select Home Warranty’s plans (Bronze Care & Gold Care) start at $44.42 monthly, and the annual plans $479.99. The Platinum Care is priced at $47.75 for monthly payments and $524.99 for one-time payments. Select offers a coverage limit of $3,000 for HVAC and $2,000 for other systems and appliances. Here is a breakdown of SHW’s costs and plans:

	Bronze Care	Gold Care	Platinum Care
Cost/Month	$44.42	$44.42	$47.75
Cost/Annum	$479.99	$479.99	$524.99

Bronze Plan

Protection for key household appliances including the refrigerator, oven, and dishwasher
Affordable plan ideal for homeowners seeking budget-friendly coverage for essential systems and appliances

Gold Plan

Enhanced coverage for major home systems, including HVAC, plumbing, and electrical
Suitable for homeowners seeking comprehensive coverage for both systems and appliances at a competitive price point

Platinum Plan

Comprehensive coverage for all major home systems and appliances, offering the highest level of protection
Includes coverage for items covered under the Bronze and Gold Plans, plus additional items like the garage door openers and ceiling fans
Ideal for homeowners looking for maximum peace of mind and comprehensive protection against unexpected breakdowns and malfunctions

Why We Picked It?

Budget-minded homeowners seeking reliable coverage can choose Select Home Warranty. Offering flexible plans and a comprehensive Platinum option, they ensure protection against breakdowns at a competitive price. Their nationwide network of technicians provides prompt service, making them a trusted choice for many.

Best For Customer Services

3.3 |

Good

$200 Off + 2 Months Free*

Monthly Cost

$60 - $67

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

90-day service guarantee
Below-average service call fees
Convenient online claim filing

Cons

Lower coverage caps than some competitors

Plans, Cost & Coverage

ServicePlus offers Gold and Platinum plans, starting at $40.57 and $48.70, respectively. The one-time annual payments cost $421.85 and $519.35, respectively. ServicePlus offers an aggregate coverage limit of $1,500 for covered appliances and systems in a year. The details on cost and plans are mentioned below:

	Gold Plan	Platinum Plan
Cost/Month	$40.57	$48.70
Cost/Annum	$421.85	$519.35

Gold Plan

Coverage for essential home systems such as plumbing, and electrical
Protection for major household appliances, including the oven, cooktop and dishwasher
Additional coverage for items like the water heater, garage door opener, and ceiling fans

Platinum Plan

Comprehensive coverage for all major home systems and appliances
Includes coverage for items covered under the Gold Plan, plus additional items such as the air conditioning system and washer/dryer
Enhanced protection against unexpected breakdowns and malfunctions, offering peace of mind to homeowners

Why We Picked It?

ServicePlus Home Warranty offers customizable plans and competitive service call fees, making them an option for budget-conscious homeowners seeking comprehensive coverage. Choose their Platinum plan for extensive protection against breakdowns. While customer reviews are limited, they boast a 90-day service guarantee and a team of dedicated professionals.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

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:

Texas Department of Licensing & Regulation (TDLR) This department might be involved in cases concerning specific licensed professions involved in home warranty repairs, such as plumbers or electricians.
Texas Attorney General's Office They might offer consumer protection resources and handle legal issues related to deceptive practices or disputes with home warranty companies.

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.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

Is Home Warranty Required In Texas?

Homeowners have the freedom to choose whether or not to purchase a home warranty based on their individual preferences and needs. However, home warranty provides homeowners with the option to proactively protect themselves against unexpected repair or replacement costs for covered items ensuring protection of budget as well as peace of mind.

Are Home Warranties Transferable In Texas?

Yes, home warranties in Texas are often transferable, but it depends on the terms of the warranty contract and the policies of the home warranty company. Therefore, it is imperative to check with the specific provider for details.

What Does A Home Warranty Cover In Texas?

A home warranty in Texas typically covers the repair or replacement of major home systems and appliances, such as HVAC, plumbing, electrical, kitchen appliances, and more. These plans can vary, but they often provide financial protection against unexpected repair or replacement costs for covered items. It’s important to review the specific coverage details and limitations outlined in the chosen warranty policy.

Is A Home Warranty Required At Closing In Texas?

A home warranty is not typically required at closing in Texas. The decision to purchase a home warranty is usually at the discretion of the buyer or seller. While some real estate transactions may include negotiations involving a home warranty, it is not legally mandatory.

Best Home Warranty Companies In texas 2024

Our Picks: 6 Best Home Warranty Companies For texas Residents

Don't let broken appliance break the bank

Is Home Warranty Plans Beneficial For Texas Homeowners?

How Much Does A Texas Home Warranty Cost?

Home Warranty Coverage In Texas

General Coverage Of Texas Home Warranty

Common Exclusions

Here Are Some Additional Points To Consider

Who Regulates Home Warranty Companies In Texas?

Final Word

Don't let broken appliance break the bank

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?

Best Home Warranty Companies

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