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Best Home Warranty in Fort Worth, TX

If you’re a Fort Worth resident, you have plenty of options for affordable home warranty coverage. Keep reading to compare our top picks for home warranty companies based on coverage, plans, and pricing.

A navy blue home with large green yard and red front door. Adobe

While homeowners insurance can cover your belongings and home’s structure in the event of a fire, theft, or natural disaster, it doesn’t cover major systems and appliances that break down due to normal wear and tear. A large appliance breakdown, for instance, may leave you on the hook for hundreds or thousands of dollars in repair costs.

That’s where a home warranty comes in. This protection plan covers repairs and replacements on appliances and systems that unexpectedly break down, giving you peace of mind and preventing you from paying for expensive repair bills out of pocket. To help you find the best home warranty for your home, the This Old House Reviews Team researched the top-rated home warranty companies in Texas and compared them on coverage, plans, and pricing. Keep reading for our top home warranty picks for Fort Worth residents.

Top 4 Home Warranty Companies in Fort Worth

The best home warranty companies in Fort Worth, TX, include:

  1. American Home Shield: Best Overall
  2. Choice Home Warranty: Best Basic Plan
  3. Cinch Home Services: Best Additional Perks
  4. Liberty Home Guard: Most Responsive

1. American Home Shield

American Home Shield has over 50 years of experience in the home warranty industry and a network of 17,000 contractors that can help protect your important systems and appliances when they break down due to normal wear and tear. It offers coverage for many of your home’s essential appliances and systems, including water heaters, air conditioners, and ductwork, and it offers coverage plans between $39.99 and $64.99 per month, which is close to the industry average of $40–$60 per month.

American Home Shield offers three different plan options: one that covers only home systems, one that covers home systems and appliances, and a third option that covers all of the items from the other plans plus roof leak repairs and perks like a free HVAC tune-up and unlimited AC refrigerant.

American Home Shield Plans

Coverage ShieldSilver™ ShieldGold™ ShieldPlatinum™
Coverage ShieldSilver™ ShieldGold™ ShieldPlatinum™
Air Conditioner x x x
Heating Unit x x x
Ductwork x x x
Built-in Exhaust, Vent, and Attic Fans x x x
Main Breaker and Fuse Panel Box x x x
Doorbell and Chimes x x x
Interior Electrical Lines x x x
Ceiling Fans x x x
Garage Door Openers x x x
Interior Plumbing Lines x x x
Toilets x x x
Faucets and Valves x x x
Whirlpool Tub Motor and Components x x x
Water Heater x x x
Refrigerator x x
Range/Cooktop x x
Oven x x
Built-in-Microwave x x
Garbage Disposal x x
Instant Hot/Cold Water Dispenser x x
Laundry Appliances x x
Roof Leak Repairs x

American Home Shield Prices

American Home Shield offers tiered pricing for all three of its coverage levels, plus add-on prices if you want an item covered that’s outside of your chosen package. If you choose the ShieldSilver plan, for instance, you can pay to have your spa covered for an additional fee of $21.25 per month.

Monthly premiums are not all you can expect to pay for coverage with American Home Shield, though. There’s also a fee for each trade service request, also known as a service call fee, that you make with the company. When you sign up for a plan, you choose from per-visit service fee options of $75, $100, or $125. If you choose a higher service fee, your monthly premiums will be lower, but your monthly premium may increase if you choose a lower service fee. The prices below reflect the $100 trade service fee option.

Plan Pricing Breakdown

Plan Monthly Premium
Plan Monthly Premium
ShieldSilver $39.99
ShieldGold $49.99
ShieldPlatinum $64.99

To get a free quote from American Home Shield, call 844-529-9298 or fill out this simple online form.

2. Choice Home Warranty

Choice Home Warranty has just two plans to choose from, but you can make your coverage more comprehensive by adding on a few optional items. If you’re looking for base coverage for your home systems and appliances, consider Choice Home Warranty’s Basic Plan, which is offered at $46.83 per month—a price that’s on the lower end of the industry average of $40–$60 per month.

Choice’s Basic Plan covers appliances, such as your cooktop, oven, built-in microwave, and garbage disposal, along with systems like your furnace, air conditioner, and electrical system. This level of coverage is typically only found at higher price points with other home warranty providers. Not to mention, Choice Home Warranty guarantees labor on its services for 30 days.

Choice Home Warranty Plans

Coverage Total Plan Basic Plan
Coverage Total Plan Basic Plan
Air Conditioning System x
Heating System x x
Electrical System x x
Plumbing System x x
Plumbing Stoppages x x
Water Heater x x
Whirlpool Bathtub x x
Refrigerator x
Oven/Range/Stove x x
Cooktop x x
Dishwasher x x
Built-In Microwave x x
Garbage Disposal x x
Clothes Washer x
Clothes Dryer x
Ductwork x x
Garage Door Opener x x
Ceiling and Exhaust Fans x x

In addition to Choice’s two home warranty plans, the company offers the following add-on options for an additional cost each month:

  • Pool/Spa
  • Well pump
  • Sump pump
  • Central vacuum
  • Limited roof leaks
  • Septic system
  • Second refrigerator
  • Standalone freezer
  • Septic tank pumping

Choice Home Warranty Prices

Choice Home Warranty charges a service call fee for each service you request at a set rate of $85. This is offset by the company’s competitively priced plans. For example, Choice Home Warranty’s Basic Plan costs $46.83 per month, which is on the lower end of the industry average of $40–$60 per month.

Plan Pricing Breakdown

Plan Monthly Premium 13-Month Premium
Plan Monthly Premium 13-Month Premium
Basic Plan $46.83 $532.00
Total Plan $54.75 $627.00

To get a free quote, call Choice Home Warranty at 929-400-6165 or fill out this easy online form.

3. Cinch Home Services

Although Cinch Home Services is a relatively new name in the home warranty space, the company has actually been around for more than 40 years under the name, Cross Country Home Services. Cinch Home Services pulls ahead of the pack for its coverage of pre-existing conditions and other perks like discounts on new appliances and a 180-day guarantee on labor.

Cinch Home Services offers three standard plans, with the option to add on coverage for items such as your pool and septic tank.

Cinch Home Services Plans

Coverage Appliances Built-in Systems Complete Home
Coverage Appliances Built-in Systems Complete Home
Clothes Dryer x x
Clothes Washer x x
Cooktop x x
Dishwasher x x
Food Center (Built-in) x x
Freestanding Ice Maker x x
Microwave (Built-in) x x
Range x x
Range Exhaust Hood x x
Refrigerator x x
Trash Compactor (Built-in) x x
Wall Oven x x
Air Conditioning Including Ductwork x x
Attic Fans x x
Ceiling Fans x x
Central Vacuum x x
Doorbells x x
Electrical System x x
Garage Door Openers x x
Garbage Disposal x x
Heating System Including Ductwork x x
Instant Hot/Cold Water Dispenser x x
Plumbing System x x
Smoke Detectors x x
Sump Pump x x
Toilets x x
Water Heater x x
Whirlpool/Jetted Tub (Built-in) x x
Homeowners Insurance Deductible Reimbursement - $500 x
Air Conditioner or Water Filter Credit x x x
Water Sensor x x x

Cinch Home Services Prices

Cinch Home Services charges more for each trade service request than its competitors ($100, $125, or $150 for each technician visit), but its monthly premiums are competitively priced to balance out the costs. The prices below are based on the selection of a $150 service fee.

Plan Pricing Breakdown

Plan Monthly Premium
Plan Monthly Premium
Appliances Plan $34.99
Built-in Systems Plan $39.99
Complete Home Plan $49.99

To get a free quote from Cinch Home Services, call 844-979-0899 or fill out this simple online form.

4. Liberty Home Guard

Liberty Home Guard customers can enjoy quick response times to service requests, as the company will typically send a technician to your home within 24–48 business hours of your service request. Liberty Home Guard also offers savings on monthly premiums when you enroll in a multi-year contract. For example, a five-year contract saves you six months’ worth of monthly premiums.

Liberty Home Guard Plans

Coverage Appliance Guard Systems Guard Total Home Guard
Coverage Appliance Guard Systems Guard Total Home Guard
Clothes Washer x x
Clothes Dryer x x
Refrigerator with Ice and Dispenser x x
Built-In Microwave Oven x x
Dishwasher x x
Garbage Disposal x x
Range/Oven/Cooktop x x
Ceiling and Exhaust Fans x x
Garage Door Openers x x
Air Conditioning System x x
Heating System x x
Ductwork x x
Plumbing System x x
Electrical System x x
Water Heater x x

In addition to these three plans, you can choose from 30 coverage add-ons, including central vacuum, septic system pumping, and well pump coverage.

Liberty Home Guard Prices

Liberty Home Guard’s prices are slightly more expensive than other providers, but with the bulk pricing mentioned above and its low service fee (Liberty charges just $60 per request), Liberty Home Guard may be a good option for those who want pricing flexibility.

Plan Pricing Breakdown

Plan Monthly Premium Annual Premium Two-Year Premium Three-Year Premium Four-Year Premium Five-Year Premium
Plan Monthly Premium Annual Premium Two-Year Premium Three-Year Premium Four-Year Premium Five-Year Premium
Appliance Guard $44.99 $449.99 $944.79 $1,439.68 $1,934.57 $2,429.46
Systems Guard $49.99 $499.99 $1,049.79 $1,599.68 $2,149.57 $2,699.46
Total Home Guard $54.99 $549.99 $1,154.79 $1,759.68 $2,364.57 $2,969.46

To get a free quote, call 866-452-9107 or fill out this easy online form.

What Does a Home Warranty in Fort Worth Cover?

While home warranty coverage varies from company to company and from plan to plan, here are the systems and appliances most home warranty plans cover:

Common Items Covered by a Home Warranty

Systems Appliances
Systems Appliances
Heating System Refrigerator
Air Conditioning System Standalone Freezer
Electrical System Clothes Washer and Dryer
Plumbing System Stove/Range/Oven/Cooktop
Ductwork Dishwasher
Water Heater Built-in Microwave
Garbage Disposal

Benefits of a Home Warranty in Fort Worth, TX

Home warranties can offer homeowners peace of mind, as they protect basic home appliances and systems when they break down due to normal wear and tear. Home warranties can also help homeowners stick to a monthly budget by helping them avoid large and unexpected system or appliance repair costs. A home warranty also saves homeowners the trouble of finding their own technician for required repair work.

How Much Does a Home Warranty Cost in Fort Worth?

Prices for home warranties will vary based on the company, coverage plan, add-ons, and service call fee you choose, but monthly premiums will generally cost between $35 and $65 per month or $420 to $780 per year. On average, service call fees range from $65 to $125.

Our Conclusion

When considering home warranty options in Fort Worth, American Home Shield is our top pick for its comprehensive coverage and flexible service call fees. However, if you’re looking for a basic, pared-down plan without the frills, Choice Home Warranty may be a better choice. When it comes to the best perks, Cinch Home Services stands out for its coverage of pre-existing conditions and 180-day workmanship guarantee. If speed is your prime concern, Liberty Home Guard comes out on top with its quick response times.

We ultimately recommend getting a free quote from all four providers to compare coverage plans and pricing in your area.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

How is a home warranty different from homeowners insurance?

A home warranty covers the cost of repairs for home appliances and systems when they break down from normal wear and tear. A home warranty differs from home insurance in that it specifically covers systems and appliances. Home insurance protects the structure of your home and your belongings if they’re damaged by a catastrophic or sudden event, such as a fire or theft.

Does a home warranty cover pre-existing conditions?

In most cases, pre-existing conditions are excluded from coverage, even if you weren’t aware of the conditions beforehand. Read your contract terms carefully to determine if your home warranty company covers pre-existing conditions.

When does my home warranty coverage start?

Home warranty coverage usually begins 30 days after you sign a contract. Check the terms of your contract to verify when your coverage starts.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.