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 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.

Our team evaluated several home warranty companies and the plans they offer, the quality of the plans, customer service ratings, and 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:

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.


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.

Pros & 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
✘ Isn’t available in Alaska

Plans & Pricing

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 American Home Shield’s plans and what’s covered in each:

  • ShieldSilver ($29–$44 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, water heaters
  • ShieldGold ($39–$54 per month): All items in the ShieldSilver plan, refrigerators, ranges/cooktops, ovens, dishwashers, built-in microwave ovens, garbage disposals, instant hot/cold water dispensers, washers, dryers
  • ShieldPlatinum ($59–$74 per month): All items in the ShieldGold plan, plus $1,500 for roof-leak repairs

American Home Shield offers the following optional add-ons:

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

American Home Shield plans range from $49.99 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.

To get a free quote for a Texas home warranty from American Home Shield, call 844-529-9298 or complete this quick form.

Learn More: American Home Shield Review


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.

Pros & Cons

✔ Offers two coverage plan options
✔ Claims can be filed online or by phone 24 hours a day, seven days a week—even on nights and weekends
✔ Service calls are offered at an affordable flat rate
✘ You can’t choose your service provider
✘ Additional coverage is required for some items like pools and septic systems
✘ Spending caps on certain categories are lower than other home warranty companies

Plans & Pricing

Take a look at what’s covered under each CHW plan:

  • Basic Plan ($46 per month): Heating, electrical, and plumbing, plumbing stoppages, water heaters, ovens, ranges, stoves, cooktops, dishwashers, built-in microwaves, garbage disposals, ductwork, garage door openers, whirlpool bathtubs, ceiling and exhaust fans
  • Total Plan ($54 per month): Air conditioning, heating, electrical, and plumbing, plumbing stoppages, water heaters, refrigerators, ovens, ranges, stoves, cooktops, dishwashers, built-in microwaves, garbage disposals, ductwork, garage door openers, whirlpool bathtubs, ceiling and exhaust fans, clothes dryers, clothes washers

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 offers the following optional add-ons:

  • 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–$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.

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

Learn More: Choice Home Warranty Review


Select Home Warranty

Select Home Warranty customers say the pricing, available discounts, and customer service are the reasons they continue to use the company for their home warranty needs. Here are a few more pros and cons to consider.

Pros & Cons

✔ Budget-friendly pricing; discounts for paying upfront
✔ Option to choose appliances only or systems only; homeowners don’t have to pay for coverage they don’t need
✔ Low coverage costs for add-ons like pumps or lawn sprinklers
✘ Pools, stand-alone freezers, well pumps, and sump pumps require extra coverage
✘ Doesn’t cover some items like doorbells, re-key, or smoke detectors
✘ Requires 30 day waiting period before servicing starts

Plans & 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
  • Spa
  • Roof leak (Free)
  • Septic system
  • Stand-alone freezer
  • Sump pump
  • Well pump

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. Additionally, Select Home Warranty has a $75 service fee that you pay per claim for the service technician.

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

Learn More: Select Home Warranty Review


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 & 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 like 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 like pools, stand-alone freezers, and sump pumps

Plans & 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:

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

AFC Home Club’s plan range from $33–56 per month. Additionally, customers pay a service of $75–125.

For your free quote, call America’s First Choice Home Club at 877-755-1115 or submit this easy form on their secure site.

Learn More: AFC Home Club Review


First American Home Warranty

First American Home Warranty is a no-frills home warranty company that offers excellent coverage for HVAC systems.

Pros & Cons

✔ Doesn’t have a coverage cap for cooling, heating, or ductwork
✔ Provides coverage of improperly installed appliances and systems
✔ 24/7 service requests are allowed
✘ Requires 30 day waiting period before servicing starts
✘ Can’t choose technicians; must use technicians referred by company
✘ Additional coverage required for pools and extra refrigeration

Plans & Pricing

The company has two main warranty plans: Basic and Premier. Plans start at $28 per month and the service fee is $75 per visit. Additional optional coverage is available for central air conditioning, pool and spa equipment, well pumps, and additional refrigeration.

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

  • Basic Plan ($36 per month): Clothes washer, clothes dryer, refrigerator, dishwasher, oven/range/cooktop, microwave, garbage disposal, trash compactor
  • Premier Plan ($46 per month): All items in the Basic Plan, plumbing, plumbing stoppages, heating system, water heater, electrical system, garage door opener, ductwork, central vacuum

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
For your free quote on a Texas home warranty, call First American Home Warranty at 800-891-9778 or submit this online form with your zip code.

Learn More: First American Home Warranty Review


Our Conclusion

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.



Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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