American Home Shield is our top recommendation for a home warranty in Texas, offering a strong combination of extensive coverage and protection for older systems and appliances—ideal for owners of aging homes. Choice Home Warranty also stands out for its budget-friendly plans that provide comprehensive coverage for essential systems and appliances.
Imagine your home’s air conditioning (AC) breaking down in the Texas heat or your heater giving out on a cold winter night. The best home warranty companies in Texas can offer peace of mind by connecting you to a technician and helping you cover those surprise repair costs. Keep reading to explore the best home warranty providers for Texans and find the right fit for your home.
Key Takeaways
- American Home Shield is our pick for the best Texas home warranty company and the most popular provider in the state, chosen by 44% of respondents in our 2025 home warranty survey.
- The average Texas home warranty costs $52–$80 per month, or $610–$944 per year.
- Our survey found that air conditioning was the top system Texas homeowners prioritized when choosing a home warranty.
Top Home Warranty Companies in Texas
After reviewing 13 home warranty companies, we’ve chosen the following providers as the best picks for Texas homeowners:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing Top Providers in Texas
When evaluating home warranty providers in Texas, we looked at monthly plan costs and service call fees, which you owe each time a technician visits for a repair. We also considered other key home warranty coverage areas, including robust HVAC protection and roof leak coverage, essential for handling Texas’s heat and unpredictable weather conditions.
The table below compares our top providers based on our scores, national average costs, and Better Business Bureau (BBB) ratings.
| Provider | Service Call Fee | Monthly Cost | BBB Rating |
|---|---|---|---|
$100–$125 | $36–$100 | B | |
$100 | $60–$68 | B | |
$70 ($150 for after hours and weekends) | $45–$60 | B | |
$100–$125 | $77–$130 | B | |
$75–$125 | $44–$82 | B |
Notes: Pricing may vary depending on your home’s location, size, and your coverage choices.
The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of April 2025.
Our Reviews of Top Providers in Texas
Explore our top picks for the best home warranty companies in Texas.
American Home Shield
Coverage Overview
- Includes free roof-leak coverage and HVAC tuneup discounts with its highest plan
- Offers coverage for preexisting conditions, which is a rare benefit in the industry
- Provides $5,000 in HVAC coverage with every plan tier
Keep in Mind
- Includes a shorter 30-day workmanship guarantee
- Limits plan customization with just six add-on options
Our Review
American Home Shield (AHS) stands out in Texas with a generous $5,000 annual cap for HVAC repairs. Its ShieldPlatinum plan, the highest tier, includes one free seasonal HVAC tune-up and complimentary roof-leak coverage—an important feature for Texas homeowners worried about frequent storms and hurricane risks. AHS also provides standard coverage for preexisting conditions or issues that existed before the start of the policy, making it a top choice for Texas homeowners with older or worn systems and appliances.
However, AHS has some limitations. It offers only six add-ons, fewer than the 8–12 options provided by most competitors, which limits your ability to customize your plan. Additionally, AHS provides a 30-day guarantee on repairs and replacements. While this is the industry standard, it is one of the shortest guarantees in this review, meaning you’ll have less time for secondary repairs if something fails.
Choice Home Warranty
Coverage Overview
- Plans include a 90-day guarantee on parts and a 60-day guarantee on labor
- Offers $3,000 coverage limits for systems and appliances
- Provides the most affordable comprehensive coverage in this review
Keep in Mind
- Charges a flat $100 service call fee for all repairs, with no option to choose a lower rate
- Excludes air conditioners, refrigerators, and laundry appliances from its lowest plan
Our Review
If you’re looking for comprehensive system and appliance coverage, Choice Home Warranty could offer a good option for your Texas home. Its highest-tier plan, the Total Plan, costs under $70 per month—more affordable than other providers we’ve reviewed with similar coverage. It also stands out with a 90-day parts guarantee and a 60-day labor guarantee, which surpasses the 30-day coverage offered by providers such as AHS and First American Home Warranty. In addition, its $3,000 coverage limits offer protection for your home’s essential systems and appliances.
Choice Home Warranty may work for homeowners on a budget, but there are some downsides worth considering. The company’s Basic Plan excludes air conditioners, refrigerators, and laundry appliances—items typically covered by most other providers. The company also charges a flat $100 service call fee, which can add up with frequent repairs. Other providers, such as AHS and First American Home Warranty, offer flexible service call fee options. Additionally, Choice is involved in an ongoing lawsuit with the Arizona Attorney General over deceptive practices and consumer fraud. We recommend thoroughly researching any home warranty provider signing a service contract.
Elite Home Warranty
Coverage Overview
- Covers repairs with a 90-day workmanship guarantee
- Offers the largest add-on catalog in this review with over 30 options
- Provides add-on options for higher HVAC limits and annual maintenance
Keep in Mind
- Charges a higher service call fee for certain home repairs, including high-end appliances
- Limits coverage of heating and cooling systems for the first 90 days after sign up
Our Review
Elite Home Warranty stands out for its flexibility, offering an extensive catalog of over 30 add-on options, the largest in this review. This allows Texas homeowners to customize their coverage to meet their specific needs. For example, Elite offers add-ons to increase your system coverage limits and cover annual maintenance for HVAC systems. In addition, the company offers a 90-day workmanship guarantee for repairs, which can provide homeowners with peace of mind.
That said, the company charges a higher $150 service call fee for certain repairs, including high-end appliances, which could become costly if you need frequent repairs. Elite also charges for repair requests made after hours and over the weekend. In addition, air conditioning, heating systems, and water heaters coverage is limited during the first 90 days after signing up.
First American Home Warranty
Coverage Overview
- Has the highest appliance cap in this review of up to $7,000 per contract term
- Includes an unlimited cap for most systems, including heating and cooling
- Offers the First American Advantage upgrades for extended damaged coverage
Keep in Mind
- Excludes laundry appliances from its lowest plan
- Requires an add-on for air conditioners with its lowest plan
Our Review
First American Home Warranty (FAHW) provides coverage options with unlimited caps for HVAC and ductwork, making it easier for Texas homeowners to manage repair costs without hitting annual limits. It also offers generous appliance coverage limits of up to $7,000, which is a plus for homeowners with high-end major appliances. Its highest plan tier, the Premium Plan, includes free roof leak coverage, adding extra value to your home protection. You can also add the First American Advantage upgrade to cover damage caused by improper maintenance or installation—a rare benefit that most providers exclude.
However, the Starter Plan excludes air conditioning and essential items such as laundry appliances, similar to the exclusions found in Choice Home Warranty’s Basic Plan. While First American offers an add-on for central AC for its lowest plan, washer and dryer coverage requires upgrading to a higher-tier plan, both of which may increase costs.
AFC Home Warranty
Coverage Overview
- Allows you to choose your own service contractor
- Includes unlimited heating and cooling system coverage
- Offers a plan-length workmanship guarantee
Keep in Mind
- Includes a depreciation value clause that can reduce payouts for older items
- Offers the lowest roof-leak coverage limit in our review
Our Review
AFC Home Warranty is one of the few providers that allows Texas homeowners to choose their own service contractors, offering greater flexibility in using a preferred local technician for repairs. Plus, AFC Home Warranty offers a workmanship guarantee throughout the entire contract, so if any repairs fail, you won’t have to worry about paying extra for the resulting work. It also provides some unique membership perks, such as free credit monitoring, identity protection, and access to pet, dental, and health insurance plans.
On the flip side, AFC Home Warranty plans include a depreciation clause that reduces the payout for items over five years old. This could lead to higher out-of-pocket costs for older items, so AFC Home Warranty might work best for owners of newer Texas homes or systems and appliances. Additionally, the company’s roof-leak coverage is capped at $250, lower than the $500 or more offered by some other providers in our review. This could leave homeowners with limited protection for roof repairs.
Our Experience Filing Claims
In addition to evaluating each home warranty company based on coverage and cost, our team tested the claims process for a few of our featured providers in Texas. One of our team members filed a claim with AHS to gain firsthand insights into the customer experience. Below is a summary of his experience.
Testing American Home Shield
Our AHS tester filed a claim for a leak in his bathroom and kitchen floor through the online portal. The process was quick and easy: he logged into his account, selected the issue, and submitted the claim. He received an email and text confirmation immediately. Within five minutes, a local contractor called and offered flexible appointment times. The contractor arrived early the next day and completed the repair within two hours.
Home Warranty Costs in Texas
The average cost for a home warranty in Texas is $52–$80 per month, or $610–$944 per year. This is slightly higher than the national average home warranty cost of $47–$82 per month or $564–$984 annually. The cost of your home warranty service can vary based on factors such as the provider, plan coverage, and any additional add-ons you select. For example, more comprehensive plans or those with higher coverage limits, such as HVAC or appliance protection, can increase your total price.
| Provider | Monthly Cost in Texas |
|---|---|
| American Home Shield | $45–$95 |
| Choice Home Warranty | $59–$67 |
| Elite Home Warranty | $45–$60 |
| First American Home Warranty | $66–$118 |
| AFC Home Warranty | $44–$82 |
In addition to your base plan cost, add-on options, and service call fees can also impact the overall price. Add-ons, such as roof leak protection, pools, or septic systems, may increase your premium. You will also owe a service call fee, typically ranging from $75–$150, each time a technician visits your home, which can add up depending on the frequency of repairs.
How We Determined Home Warranty Pricing
To estimate home warranty costs in Texas and across the country, we analyzed nearly 4,000 quotes from 13 providers in all 50 U.S. states. Using sample addresses for single-family homes under and over 5,000 square feet, we collected pricing data from cities including Austin, Houston, Plano, and Marfa to reflect urban and rural homeowners. We then averaged the results to determine state and national price ranges.
Survey Insights from Texas Homeowners
Our 2025 survey offered in-depth insights into the home warranty experiences of homeowners nationwide. In Texas, coverage was the most important feature homeowners considered when choosing a plan, with 63% prioritizing it over pricing. Combination plans covering systems and appliances were also the most popular choice, as selected by 73% of respondents. This aligns with the fact that 59% of participants reported living in a pre-owned home, which could have outdated systems and appliances, and 46% purchased coverage specifically to protect older items.
When it came to item coverage, nearly 60% of respondents selected protection for their air conditioning systems, a critical system considering the state’s very hot summers. The most commonly covered items for appliances were water heaters (40%) and refrigerators (32%). Despite the popularity of combination plans, many Texans said they were satisfied with their baseline coverage. About 39% chose not to purchase any add-on protection. Among those who did, roof-leak coverage was the most common add-on, followed by supplementary system protection and secondary appliance coverage.
Regarding recent claims, the reason for filing was almost evenly split between needing system repairs (46%) or replacements (42%). Around 85% of Texas policyholders had their most recent claims approved, with item repairs being the most common resolution. Overall, 84% of Texas home warranty customers were satisfied or very satisfied with their claims outcome, and 65% plan to renew their coverage at the end of their current term.
How We Collected Our Survey Data
In 2025, we surveyed 2,000 home warranty plan holders across all 50 U.S. states to better understand how homeowners use and view their coverage. The survey captured why homeowners chose a warranty, coverage satisfaction, and claim and customer service experiences. We also gathered insights on pricing, add-on choices, and whether policyholders planned to renew coverage.
Advice From Homeowners
In Texas, maintaining your HVAC system is important because of the state’s unpredictable summer temperatures, which can put extra strain on your air conditioning. Cooling system failures often happen when you need it most, as Rebekah Y., a Texas homeowner, experienced firsthand.
Homeowner Advice
“Our compressor blew a couple of weeks after our newborn was born on a warm October night,” she said. “It was so miserable, and I was scared she was going to overheat.”
Thankfully, Rebekah got the issue fixed and invested in an annual maintenance plan through her HVAC repair company. She also picked up some useful tips from her HVAC contractor, such as keeping the AC drain line clear and changing the filter every few months to keep things running smoothly.
“If you replace your HVAC, make sure it’s sized correctly,” she said. “If it’s too powerful, it can actually cause mold because it’ll cool your house too quickly without removing the extra moisture.”
A home warranty can offer peace of mind in situations like these. If your HVAC system fails or needs pricey repairs, a home warranty plan can help manage those costs. It’s a helpful safety net for Texas homeowners who rely on their HVAC systems day in and day out.
FAQs About Home Warranties in Texas
What does a typical home warranty cover for Texas homeowners?
A typical home warranty for Texas homeowners covers major home systems such as HVAC, plumbing, and electrical, along with essential appliances such as refrigerators, dishwashers, and washers. Many providers also offer add-on coverage for additional items, including roof leaks, septic tanks, and pools, providing more comprehensive protection for homeowners. Coverage generally applies to systems and appliances affected by normal wear and tear.
How can I renew my home warranty coverage?
You can renew your home warranty coverage by contacting your provider before your current term ends. Many companies offer automatic renewal, but we recommend confirming the details with your provider to avoid a lapse in coverage.
What is the key benefit of a home warranty?
The key benefit of a home warranty is financial protection against unexpected repair or replacement costs for covered systems and appliances, offering security and helping to manage household expenses.
Is a home warranty mandatory in Texas?
No, home warranties are not mandatory in Texas. While not required, a home warranty can provide financial protection against the cost of repairs for systems and appliances, especially in extreme weather conditions.
How We Evaluated Home Warranty Providers
We took a deep dive into Texas’s top home warranty companies, looking at coverage options, service quality, and what real customers had to say. Here’s how we narrowed it down.
Our Rating System
We began our research by consulting with home warranty experts, reviewing online customer reviews, and evaluating home warranty plans in Texas. Our team also contacted customer support teams and purchased home warranty coverage from 11 leading providers. Finally, we conducted surveys with home warranty customers to learn more about their shopping process, claims experiences, and home needs.
Based on this research, we created a detailed rating methodology and scored each company in six categories: coverage (35%), cost (20%), trustworthiness (15%), plan transparency (10%), customer support (10%), and flexibility (10%).
When evaluating home warranties for Texas, we also considered the following factors:
- Key item inclusion: Texas homeowners can benefit from a home warranty that offers comprehensive coverage for essential home appliances and systems. We selected top providers that offer solid coverage without major exclusions. If a company excludes major items from coverage, we checked that it offers at least one plan with full coverage. Companies not offering key item coverage in their base plans or through add-ons were excluded from this review.
- HVAC coverage: HVAC coverage is essential in Texas due to the state’s extreme temperatures. We included home warranty companies that offer generous coverage for heating and cooling systems. Companies that provide less than $1,000 coverage for either system were excluded from consideration.
- Roof-leak add-ons: Severe storms and roof damage are common in Texas due to its location in “Hail Alley” and exposure to hurricanes along the Gulf Coast. This makes solid roof-leak coverage a valuable benefit. We made sure the Texas providers we selected offer roof-leak coverage as an add-on, excluding any companies that did not have this option.
- First-hand experience submitting claims: While online reviews can offer important insights, we took a more hands-on approach to evaluating each provider. Our team signed up for plans with 11 home warranty companies to test key aspects such as the claims process, customer support, and the overall customer experience. This gave us firsthand knowledge into how each company handles claims, the quality of their service, and their responsiveness to customer needs.
