Repairing you home’s most valuable items can be expensive, and if you live in Texas, the hot summers can weigh on your air conditioner or other systems and appliances. A home warranty plan can protect you from high, unexpected expenses while providing peace of mind that you won’t have to spend time vetting contractors should something break down.
The This Old House Reviews Team provides unbiased information on products and services available across a variety of industries. Our team evaluated several home warranty companies and the plans they offer, as well as the quality of the plans, the company’s customer service ratings, and plan pricing. In this review, we’ll discuss the top five home warranty companies in Texas and help you find the best home warranty.
Texas’ Top 5 Home Warranty Companies
The highest rated home warranty companies in Texas include:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Service
- AFC Home Club: Best for Customization
- Select Home Warranty: Lowest Deductible
- First American Home Warranty: Best Value
A Texas home warranty can protect your HVAC systems when they malfunction to the excessive heat and humidity the state experiences. Below are five home warranty companies that provide comprehensive coverage for your home systems and appliances, offer competitive service fees, and demonstrate excellent customer service.
1. American Home Shield
American Home Shield, founded in 1971, provides protection on up to 21 everyday systems or appliances across three plans. AHS has paid out $2 billion in service claims over the last five years and has rare coverage, like coverage for systems and appliances with damage due to rust and corrosion, or those with undetectable pre-existing conditions.
Compare the pros and cons of American Home Shield below.
Pros and Cons of American Home Shield
|✔ Provides generous coverage caps on certain systems and appliances||✘ Isn’t available in Alaska|
|✔ Allows customers to customize coverage||✘ Doesn’t let customers choose their own technician|
|✔ Provides 24/7 customer service||-|
American Home Shield plans include an Appliances Plan, a Systems Plan, and a Combo Plan. The Combo Plan bundles the coverage to protect a total of 21 systems and appliances.
Here’s an overview of which systems and appliances are covered under American Home Shield.
Covered Systems and Appliances
|Refrigerators||Air conditioning and ductwork|
|Dishwashers||Heating system and ductwork|
|Built-in microwaves||Plumbing and plumbing stoppages|
|Free-standing ice makers||Water heaters|
|Ranges/Ovens/Cooktops||Instant hot/cold water dispensers|
|Built-in food centers||Central vacuums|
|Clothes washer||Garbage disposals|
|Clothes dryer||Smoke detectors|
|Garage door openers||Ceiling fans|
Note: Add-on coverage is available for pools and spas, sump pumps, well pumps, guest units, and electronic extended warranties.
Warranty plans range from $49.99 per month to $59.99 per month, and service fees cost $75 to $125 per claim. Consumers who choose to pay a higher service call fee will pay a lower monthly rate for their warranty plan, and vice versa.
2. Choice Home Warranty
Choice Home Warranty provides two home warranty plans: a Basic plan and a Total plan. Optional coverage is also available for a variety of indoor and outdoor appliances and systems. Customers who use Choice Home Warranty said the claims process is easy, the technicians are punctual, and the service is efficient.
Here are a few more benefits and drawbacks of the company:
Pros and Cons of Choice Home Warranty
|✔ Offers two coverage plan options||✘ You can’t choose your service provider|
|✔ Claims can be filed online or by phone 24 hours a day, seven days a week—even on nights and weekends||✘ Spending caps on certain categories are lower than other home warranty companies|
|✔ Service calls are offered at an affordable flat rate||✘ Additional coverage is required for some items like pools and septic systems|
Take a look at what’s covered under each CHW plan:
Plans and Coverage
|Basic Plan||Total Plan|
|Basic Plan||Total Plan|
|Systems: Heating, electrical, and plumbing||Systems: Air conditioning, heating, electrical, and plumbing|
|Plumbing stoppages||Plumbing stoppages|
|Water heater||Water heater|
|Kitchen appliances: Oven, range, stove, cooktop, dishwasher, built-in microwave, garbage disposal||Kitchen appliances: Refrigerator, oven, range, stove, cooktop, dishwasher, built-in microwave, garbage disposal|
|Garage door opener||Garage door opener|
|Whirlpool bathtub||Whirlpool bathtub|
|Ceiling and exhaust fans||Ceiling and exhaust fans|
Note: The basic plan doesn’t cover your air conditioner, refrigerator, clothes washer, or clothes dryer, so if you want coverage for those essential items, we recommend going with the Total Plan.
Choice Home Warranty also allows customers to add on optional coverage to their plan. Here are the add-ons they offer:
- Pool or spa
- Second refrigerator
- Stand alone freezer
- Central vacuum
- Well pump
- Sump pump
- Septic system
- Septic tank plumbing
- Limited roof leak
CHW plans range from $434 to $536 per year depending on the plan type, extent of coverage, home size, and the age of the home. Services call fees range between $60–$85 per call. The warranty plan can be paid monthly or annually.
3. AFC Home Club
America’s First Choice Home Club provides protection plans for appliances and systems across four plan options. According to customer reviews, AFC Home Club offers quick, efficient work by friendly, professional technicians.
Pros and Cons of AFC Home Club
|✔ Repairs are guaranteed for the life of the plan (up to 3 years)||✘ Requires 30-day waiting period before servicing starts|
|✔ Members can choose any licensed and insured technician to complete repairs||✘ Additional coverage required for items like pools, stand-alone freezers, and sump pumps|
|✔ Members receive additional benefits like credit monitoring and discounts on home security, household supplies, and entertainment||✘ More expensive than most plans with similar offerings|
Platinum Plan: With this plan, you’ll get coverage for systems and appliances including air conditioning, heating, electrical, and plumbing; plumbing stoppages, water heater, ductwork, clothes dryer, clothes washer, kitchen refrigerator, ice maker, built-in microwave, oven, range, stove, cooktop, dishwasher, garbage disposal, and garage door opener
Gold Plan: This coverage protects the same systems and appliances in the Platinum Plan, but it doesn’t include plumbing stoppages, ice makers, and built-in microwaves.
Silver Plan: This plan doesn’t cover any systems, nor does it cover ice makers or built-in microwaves. It solely covers appliances.
Systems Plan: This plan covers all systems under the Platinum Plan, except for plumbing stoppages.
Additional coverage is available for pools and spas, sump pumps, septic systems, hot water dispensers, stand-alone freezers, and tankless water heaters.
Pricing and service call fees for AFC Home Club depend on the plan you select:
AFC Home Club Pricing
|Plan Name||Plan Cost||Service Call Fee|
|Plan Name||Plan Cost||Service Call Fee|
4. Select Home Warranty
Select Home Warranty has three home warranty coverage plans: Gold, Bronze, and Platinum. The Gold plan covers systems, while the Bronze plan covers appliances. The Platinum plan is the most popular plan and covers both systems and appliances.
Customers who use this company say the pricing, available discounts, and customer service are the reasons they continue to use Select Home Warranty for their warranty needs. Here are a few more pros and cons to consider.
Pros and Cons of Select Home Warranty
|✔ Budget-friendly pricing; discounts for paying upfront||✘ Pools, stand-alone freezers, well pumps, and sump pumps require extra coverage|
|✔ Option to choose appliances only or systems only; homeowners don’t have to pay for coverage they don’t need||✘ Requires 30 day waiting period before servicing starts|
|✔ Low coverage costs for add-ons like pumps or lawn sprinklers||✘ Doesn’t cover some items like doorbells, re-key, or smoke detectors|
Plans range from $36 to $42 per month, and consumers who choose to be billed annually instead of monthly will receive two months coverage free. Additional coverage is available for pumps, septic systems, stand-alone freezers, pools, and sprinklers; adding any of these items will increase your monthly cost.
Here’s what’s covered under each plan:
- Air conditioning system
- Heating system
- Plumbing system
- Electrical system
- Water heater
- Clothes washer and clothes dryer
- Garbage disposal
- Stove, oven, cooktop
- Built-in microwave
5. First American Home Warranty
First American Home Warranty is a no-frills home warranty company that offers excellent coverage for HVAC systems.
Compare the pros and cons of First American Home Warranty below.
Pros and Cons of First American Home Warranty
|✔ Doesn’t have a coverage cap for cooling, heating, or ductwork||✘ Requires 30 day waiting period before servicing starts|
|✔ Provides coverage of improperly installed appliances and systems||✘ Additional coverage required for pools and extra refrigeration|
|✔ 24/7 service requests are allowed||✘ Can’t choose technicians; must use technicians referred by company|
The company has two main warranty plans: Basic and Premier. Plans start at $28 per month and each service call is $75.
Plans and Coverage
|Attic and exhaust fans||Attic and exhaust fans|
|Ceiling fans||Ceiling fans|
|Clothes washer and clothes dryer||Clothes washer and clothes dryer|
|Garbage disposal||Garbage disposal|
|Instant hot water dispenser||Instant hot water dispenser|
|Kitchen refrigerator||Kitchen refrigerator|
|Built-in microwave||Built-in microwave|
|Trash compactor||Trash compactor|
|Central vacuum system|
|Garage door opener|
The company’s HVAC benefits include:
- Use of 14 SEER-rated system to meet national efficiency mandates which saves on energy use and costs
- No caps on refrigerant
- Inside-outside compatibility coverage
- Unlimited service calls
- No size limit on covered residential AC units
Additional coverage is available for central air conditioning, pool and spa equipment, well pumps, and additional refrigeration.
A home warranty offers peace of mind on the everyday items in your home and covers systems and appliances that fail from normal wear and tear. Our team believes a Texas home warranty is a good investment for those who want to have financial protection when the unexpected happens.
Whether you’re buying a home or are a seasoned homeowner, we recommend getting quotes from all of these Texas home warranty providers in this review so you can compare service contracts and pricing and find the best plan that fits within your budget.
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