Repairing your 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 can protect you from high, unexpected expenses.

The This Old House Reviews Team evaluated dozens of home warranty companies, including their plans, customer service ratings, and pricing. We’ve outlined the top five home warranty companies in Texas to help you find the best home warranty.

Key Takeaway: Each provider we highlight scored 84 out of 100 or higher based on factors such as coverage, value, trustworthiness, transparency, availability, and service, indicating they’re the best options for Texas residents.


Summary of the Best Home Warranty Companies in Texas

Superlative Monthly Cost Service Fee BBB Rating
Liberty Home Guard Best Customer Ratings $49–$60 $65–$125 A-
American Home Shield Best Coverage Caps $19–$90 $100–$125 B
First American Home Warranty Best Appliance Coverage $47–$87 $75–$125 B
Select Home Warranty Best Value $44–$48 $60–$75 B-
AFC Home Club Best for Customization $38–$63 $75–$125 B
Liberty Home Guard
Logo Liberty Home Guard
Superlative Best Customer Ratings
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating A-
American Home Shield
Logo American Home Shield
Superlative Best Coverage Caps
Monthly Cost $19–$90
Service Fee $100–$125
BBB Rating B
First American Home Warranty
Logo First American Home Warranty
Superlative Best Appliance Coverage
Monthly Cost $47–$87
Service Fee $75–$125
BBB Rating B
Select Home Warranty
Logo Select Home Warranty
Superlative Best Value
Monthly Cost $44–$48
Service Fee $60–$75
BBB Rating B-
AFC Home Club
Logo AFC Home Club
Superlative Best for Customization
Monthly Cost $38–$63
Service Fee $75–$125
BBB Rating B


Texas’ Top 5 Home Warranty Companies

These are the highest-rated Texas home warranty companies:

A Texas home warranty can protect your HVAC system if it malfunctions from the state’s excessive heat and humidity. 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.


Liberty Home Guard

Liberty Home Guard (LHG) is our top provider due to its extensive list of add-ons and 60-day workmanship guarantee for repairs. LHG also covers two air conditioning units, whereas most providers cover one per service contract. In addition to solid coverage, LHG provides discounts to select appliance purchases.

Pros and Cons

✔ Guarantees workmanship on repairs for 60 days
✔ Provides coverage for two air conditioning units
✔ Offers 38 unique add-on coverage options

✘ Lacks transparency in quote process for service call fee 
✘ Provides a relatively low $2,000 coverage cap limit for covered items

Plans and Pricing

Liberty Home Guard offers three coverage plans: the Appliance Guard, Systems Guard, and Total Home Guard.

Here is an overview of LHG’s plan coverage options:

  • Appliance Guard ($49.99): Covers nine major appliances, such as clothes washers, clothes dryers, refrigerators with ice and water dispensers, built-in microwave ovens, dishwashers, garbage disposals, ranges/ovens/cooktops, ceiling and exhaust fans, and garage-door openers.
  • Systems Guard ($54.99): Covers six major systems, such as air conditioning, heating, ductwork, plumbing, electrical, and water heaters.
  • Total Home Guard ($59.99): Protects all items mentioned above. 

LHG’s additional coverage options include the following:

  • Additional spa
  • Carpet cleaning
  • Casita guest unit
  • Central vacuum
  • Ejector pump
  • Electronics protection
  • Freestanding ice maker
  • Generator
  • Grinder pump
  • Gutter cleaning
  • In-fridge ice maker
  • Instant hot water dispenser
  • Lawn sprinkler system
  • Lighting fixtures
  • Limited roof-leak
  • Pest control
  • Plumbing fixtures
  • Pool and spa
  • Pro-series clothes dryer
  • Pro-series dishwasher 
  • Pro-series microwave
  • Pro-series range/oven/cooktop 
  • Pro-series refrigerator 
  • Pro-series washing machines
  • Re-key services
  • Reverse osmosis water filter system
  • Saltwater pool
  • Second refrigerator 
  • Septic system pumping
  • Stand-alone freezer
  • Sump pump
  • Swamp cooler
  • Trash compactor
  • Water dispenser water line
  • Water softener
  • Well pump
  • Window washing/cleaning
  • Wine cooler/fridge

Plan costs range from $49–$60 per month, with service call fees between $65 and $125. A Liberty Home Guard representative explained that the fee is assigned based on your home’s size, type, and location, as well as your selected plan and add-ons.

Fill out the Liberty Home Guard quote form or call 866-452-9107 for your free quote.

Learn more: Liberty Home Guard review


American Home Shield

American Home Shield has served the home warranty industry since 1971. It protects 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 covers rare items, such as systems and appliances with rust and corrosion damage or those with undetectable preexisting conditions.

Pros and Cons

✔ Provides generous coverage caps on certain systems and appliances
✔ Allows customers to customize coverage
✔ Provides 24/7 customer service

✘ Doesn’t let customers choose their own technician
Offers a limited selection of add-on coverage options

Plans and Pricing

American Home Shield offers three plans. ShieldSilver covers essential home systems, ShieldGold provides basic systems and appliances coverage, and ShieldPlatinum offers comprehensive systems and appliances coverage.

Here’s an overview of American Home Shield’s plans and what’s covered in each:

  • ShieldSilver ($29–$40 per month): Air conditioning, heating units, ductwork, built-in exhaust, vent, and attic fans, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage-door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heaters
  • ShieldGold ($49–$70 per month): All items in the ShieldSilver plan plus refrigerators, ranges/cooktops, ovens, dishwashers, built-in microwave ovens, garbage disposals, instant hot/cold water dispensers, washers, and dryers
  • ShieldPlatinum ($79–$90 per month): All items in the ShieldGold plan, plus $1,500 for roof-leak repairs

American Home Shield offers the following optional add-ons:

  • Electronic extended warranties
  • Guest units
  • Pools and spas
  • Sump pumps
  • Well pumps

American Home Shield plans range from $29$90 per month, with service fees between $100 and $125 per claim. Customers who choose to pay a higher service call fee will pay a lower monthly rate and vice versa.

Call 844-529-9298 or complete this quick form to get a free quote from American Home Shield.

Learn more: American Home Shield review


First American Home Warranty

First American Home Warranty is another home warranty company we recommend for Texas residents. It offers excellent coverage for HVAC systems, plus a wide range of appliance coverage options. In addition to comprehensive coverage, First American provides plan flexibility via three plan options and three service call fees.

Pros and Cons

✔ Provides an unlimited coverage cap for cooling, heating, or ductwork systems
✔ Covers improperly installed appliances and systems in the Essential and Premium plans
✔ Protects working home systems and appliances regardless of age

✘ Doesn’t allow you to choose your technician
✘ Charges slightly higher monthly premiums compared to other providers

Plans and Pricing

First American Home Warranty has three home warranty plans: Starter, Essential. and Premium. Plans start at $42 per month and the service fee ranges from $75–$125 per service request.

First American add-on coverage is available for the following items:

  • Additional refrigeration
  • Central air conditioning
  • HVAC tune-ups
  • Limited roof-leak coverage
  • Pool and spa equipment
  • Septic system and pumping coverage
  • Water softeners
  • Well pumps

Here’s a look at what’s covered in each First American plan:

  • Starter Plan ($42–$57 per month): Built-in microwaves, dishwashers, ductwork, electrical systems, heating systems, kitchen range hoods, ovens/cooktops, plumbing systems, plumbing stoppages, refrigerators, and toilet tanks/bowls/mechanisms
  • Essential Plan ($52–$67 per month): All items in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, the First American Advantage add-on, garage door openers, trash compactors, and water heaters
  • Premium Plan ($64–$82 per month): All items in the Essential Plan plus central vacuum systems, faucets, full garage door systems, garbage disposals, instant hot water dispensers, luxury appliance coverage, shower head/shower arms, and window air conditioning units
Call First American Home Warranty at 800-891-9778 or submit this online form with your ZIP code for a free quote.

Learn more: First American Home Warranty review


Select Home Warranty

Based on customer reviews, consumers point to Select Home Warranty’s pricing, discounts, and customer service as the reasons they like the company. Here are a few more pros and cons to consider.

Pros and Cons

✔ Budget-friendly pricing and discounts for paying up-front
✔ Option to choose appliances only or systems only; you don’t have to pay for coverage you don’t need
✔ Low coverage costs for add-ons such as pumps or lawn sprinklers

✘ Pools, stand-alone freezers, well pumps, and sump pumps require extra coverage
✘ Doesn’t cover some items such as doorbells, re-key, or smoke detectors
✘ Requires 30-day waiting period before service starts

Plans and Pricing

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.

Here’s what’s covered under each plan:

  • Bronze Care ($41 per month): Cooktop, dishwasher, garbage disposal, built-in microwave, refrigerator, stove/oven, clothes washer, clothes dryer
  • Gold Care ($41 per month): Air conditioning/cooling, ductwork, electrical system, heating system, plumbing system, water heater
  • Platinum Care ($46 per month): Air conditioning/cooling, ductwork, electrical system, heating system, plumbing system, water heater, cooktop, dishwasher, garbage disposal, built-in microwave, refrigerator, stove/oven, clothes washer, clothes dryer, garage-door openers, plumbing stoppages

Additional coverage is available for the following items:

  • Central vacuum
  • Lawn sprinkler system
  • Pool
  • Roof leak (free)
  • Septic system
  • Spa
  • Stand-alone freezer
  • Sump pump
  • Well pump

Plans range from $41$46 per month. Customers who choose to pay annually instead of monthly will receive two months coverage free. Additionally, Select Home Warranty has a $75 service fee per claim.

Call Select Home Warranty at 888-370-3956 or fill out this quick form to receive a free personalized quote.

Learn more: Select Home Warranty review


AFC Home Club

America’s First Choice Home Club provides four plan options. According to customer reviews, the company offers quick, efficient work by friendly, professional technicians.

Pros and Cons

✔ Repairs are guaranteed for the life of the plan (up to 3 years)
✔ Members can choose any licensed and insured technician to complete repairs
✔ Members receive additional benefits such as credit monitoring and discounts on home security, household supplies, and entertainment

✘ Requires 30-day waiting period before servicing starts
✘ More expensive than most plans with similar offerings
✘ Additional coverage required for items such as pools, stand-alone freezers, and sump pumps

Plans and Pricing

AFC Home Club offers four plans. Here’s a look at what’s covered in each:

  • Silver Plan ($33–$37 per month): Clothes dryer, clothes washer, refrigerator, oven/range/cooktop/stove, dishwasher, garbage disposal, garage-door opener
  • Systems Plan ($40–$44 per month): Water heater, air conditioning, ductwork, heating system, electrical system, plumbing system
  • Gold Plan ($47–$51 per month): Water heater, air conditioning, heating system, electrical system, plumbing system, clothes dryer, clothes washer, refrigerator, oven/range/cooktop/stove, dishwasher, garbage disposal, garage-door opener
  • Platinum Plan ($51–$56 per month): Covers all items and systems included with the Gold Plan, plus a built-in microwave and ice maker

Optional coverage is available for these items:

  • Hot water dispensers
  • Pools and spas
  • Septic systems
  • Stand-alone freezers
  • Sump pumps
  • Tankless water heaters

AFC Home Club’s plans range from $33–56 per month with a service fee of $75–125.

Call America’s First Choice Home Club at 877-755-1115 or submit this easy form on their secure site for a free quote.

Learn more: AFC Home Club review


Our Conclusion

A home warranty offers peace of mind that your essential home systems and appliances will be covered if they fail from normal wear and tear. When we surveyed 1,000 homeowners, 35% said that they’d paid more than $1,000 for a single home repair. Our team believes a home warranty is a good investment for those who want financial protection when an unexpected breakdown happens.

We recommend getting quotes from all of the Texas home warranty providers in this review so you can compare service contracts and pricing and find the best plan that fits your budget.


Frequently Asked Questions About Texas Home Warranties


Infographic showing time and effort put into this article's research

Our Rating Methodology

The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.  

To share feedback or ask a question about this article, send a note to our Reviews Team at