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Best Home Warranty Companies in Texas: Comprehensive Guide for 2025

Safeguarding your Texas home against unexpected repair costs is essential, given the state’s unique challenges, such as extreme weather conditions, rising repair costs, and aging homes. A home warranty provides peace of mind and financial security by covering repairs or replacements for major systems and appliances.

This guide delves into the top-rated home warranty providers, their benefits, coverage details, costs, and why a home warranty is a must-have for Texas homeowners.

Top Home Warranty Providers in Texas

Here’s a detailed breakdown of the best home warranty providers in Texas, their coverage, pricing, and what makes them stand out.

OUR #1 PICK

Elite Home Warranty

  • Premium
    -
    $44.99 - $59.99
  • Deductible
    -
    $0 & $70
  • Appliances limit
    -
    $7,000
Call Now
Offers
$150 Off + 1 Month Free. 30 Day Free Trial!
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48
States Covered
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Accredited Business
BBB Rating
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$15,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Fully customizable plans for appliances, systems, and optional add-ons like pools and septic systems.
  • Pricing: Starts at $45 per month, with premium plans averaging $60 per month.
  • Service Fees: $70

Why We Picked Elite Home Warranty

Elite Home Warranty is ideal for Texans who want flexibility in their coverage. It allows homeowners to design plans tailored to their specific needs, making it suitable for new and older homes. With 24/7 customer support, rapid claims processing, and transparent pricing, Elite offers a seamless experience for those looking to protect their homes. It also stands out for its large network of licensed contractors and quick service turnaround.

Excellent Services

Home Warranty of America

  • Premium
    -
    $275 - $695
  • Deductible
    -
    $75 - $100
  • Appliances limit
    -
    $400
Offers
$150 Off + 1 Month Free*
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
  • Price: Monthly plans range from $44 to $60, depending on coverage level.
  • Service Fee: Typically between $75 and $125 per service call.

Why We Picked Home Warranty of America

Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons. 

Comprehensive Coverage

The Home Service Club

  • Premium
    -
    $51.25 - $62.50
  • Deductible
    -
    $65,$95,$125
  • Appliances limit
    -
    $800
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers Standard and Comprehensive coverage plans for systems and appliances.
  • Price: Monthly premiums range from $51 to $63.
  • Service Fee: Between $65 and $125.

Why We Picked The Home Service Club

The Home Service Club stands out due to its broad range of covered items and focus on timely service delivery. Their two comprehensive plans allow homeowners to choose between standard and premium options, accommodating various needs and budgets. The company’s emphasis on efficiency and customer support makes it a standout in the California market.

Nationwide Coverage

Regency Total Home Warranty

  • Premium
    -
    $39.99 - $58.90
  • Deductible
    -
    N/A
  • Appliances limit
    -
    N/A
Call Now
Offers
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Comprehensive plans for systems and appliances.
  • Price: $39.99 per month.
  • Service Fee: Standard industry rates.

Why We Picked Regency Total Home Warranty

Regency Total Home Warranty offers cost-effective solutions without compromising on quality. Quick claims processing and dedicated customer support teams ensure homeowners promptly get the assistance they need. This provider’s emphasis on transparency and affordability makes it a dependable choice for homeowners on a budget.

Best Customer Support

Liberty Home Guard

  • Premium
    -
    $50 - $60
  • Deductible
    -
    $90
  • Appliances limit
    -
    $2000
Call Now
Offers
$200 Off + 2 Months Free + Free Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$2K/Item
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Appliances, systems, and a long list of add-ons like gutter cleaning and pest control
  • Pricing: Starts at $50 per month, with premium plans at $60 per month
  • Service Fees: $90

Why We Picked Liberty Home Guard

Liberty Home Guard offers one of the widest ranges of add-ons, catering to unique Texas homeowner needs like pest control and pool coverage. Their excellent customer service, multi-year discounts, and high customer satisfaction make them a preferred choice for comprehensive protection.

American Home Shield (AHS)

  • Premium
    -
    $29 - $79
  • Deductible
    -
    $100 & $125
  • Appliances limit
    -
    $6000
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48
States Covered
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Accredited Business
BBB Rating
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5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Comprehensive protection for systems, appliances, and unique add-ons like electronics and roof leaks.
  • Pricing: Starts at $29 per month, with premium plans averaging $89 per month.
  • Service Fees: Options $100, or $125.

Why We Picked American Home Shield (AHS)

As a pioneer in the home warranty industry, AHS has established a reputation for reliability. It’s perfect for older homes, as it imposes no age restrictions on covered items. Their wide array of add-ons, high claim approval rates, and customizable service fees make AHS a top pick for homeowners seeking robust and reliable protection.

BEST RATED BY U.S. NEWS

ARW Home – American Residential Warranty

  • Premium
    -
    $45 - $84
  • Deductible
    -
    $125
  • Appliances limit
    -
    N/A
Offers
2 Months FREE* on All Plans
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50
States Covered
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Not Accredited
BBB Rating
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$1K
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Comprehensive appliance and system protection with unique add-ons like smart home devices and home security systems.
  • Pricing: Starts at $45 per month, with premium plans at $84 per month.
  • Service Fees: Fixed at $125.

Why We Picked ARW Home – American Residential Warranty

ARW is ideal for tech-savvy Arizona homeowners who want protection for smart devices and home security systems. Their affordable plans and specialized coverage options make them a standout for modern homes. ARW’s fixed service fee and flexible plans cater to families looking for affordable yet comprehensive coverage.

First American Home Warranty

  • Premium
    -
    $336 - $534+
  • Deductible
    -
    $85
  • Appliances limit
    -
    $3,500
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35
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Covers core systems and appliances, with options for energy-efficient replacements.
  • Pricing: Starting at $47 per month, with premium plans around $87 per month.
  • Service Fees: $75, $100 & $125

Why We Picked First American Home Warranty

FAHW is a cost-effective choice for Texans, offering affordable plans without compromising on coverage. Its energy-efficient replacement policy helps reduce utility bills, making it a forward-thinking option. Homeowners appreciate their quick claim resolutions and transparent pricing.

Cinch Home Services

  • Premium
    -
    $27.99 ,$32.99,$39.99
  • Deductible
    -
    $100, $125, $150
  • Appliances limit
    -
    $2,000
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48
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Comprehensive plans for appliances, systems, and add-ons like water softeners.
  • Pricing: Ranges from $38 to $66 per month.
  • Service Fees: $100–$150 based on the plan.

Why We Picked Cinch Home Services

Cinch excels with its 180-day workmanship guarantee, ensuring repairs are done right the first time. Its plans cater to diverse needs, from basic appliance coverage to optional add-ons for Texas-specific items like pools. Extra perks, such as a free water sensor, add significant value to their offerings.

2-10 Home Buyers Warranty

  • Premium
    -
    $19,$51,$60
  • Deductible
    -
    $85 - $100
  • Appliances limit
    -
    $2,000
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44
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Structural warranties along with plans for home systems and appliances
  • Pricing: Basic plans start at $17 and goes up to  $69
  • Service Fees: $65, $85, $100, depending on the plan

Why We Picked 2-10 Home Buyers Warranty

Specializing in structural coverage, 2-10 is perfect for new homes or custom-built properties in Texas. Their extensive contractor network and focus on quality repairs make them an ideal choice for long-term homeowners seeking comprehensive protection.

Select Home Warranty

  • Premium
    -
    $299 - $499
  • Deductible
    -
    $60
  • Appliances limit
    -
    $500
Offers
Get $150 Off + 2 Months Free + Free Roof Coverage
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46
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Covers appliances, systems, and optional add-ons like roof leaks and pest control
  • Pricing: Basic plans start at $44 per month, with premium options around $47 per month
  • Service Fees: $60 – $75

Why We Picked Select Home Warranty

Select Home Warranty is an affordable, straightforward option with transparent pricing. Its frequent discounts and broad coverage options make it a reliable choice for budget-conscious Texas homeowners.

ServicePlus Home Warranty

  • Premium
    -
    $41.66 - $45.83
  • Deductible
    -
    $75
  • Appliances limit
    -
    $1500
Offers
Get $200 Off + 2 Months Free
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46
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Systems, appliances, and optional add-ons like standalone freezers and sump pumps.
  • Pricing: Plans start at $43 per month, with premium options averaging $79 per month
  • Service Fees: $75

Why We Picked ServicePlus Home Warranty

ServicePlus focuses on reliability, ensuring claims are processed quickly. Regular promotions, a vast contractor network, and affordable pricing make them a practical choice for homeowners seeking value without compromising service quality.

Old Republic Home Protection

  • Premium
    -
    $405 - $770
  • Deductible
    -
    $65
  • Appliances limit
    -
    $3,500
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29
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Systems, appliances, and region-specific upgrades for Texas homes.
  • Pricing: Starts at $35 per month, with premium plans averaging $60 per month.
  • Service Fees: $85 – $110

Why We Picked Old Republic Home Protection

Old Republic’s regional expertise and tailored plans for Texas homeowners make them a standout choice. With decades of experience, they offer dependable service and customer-focused solutions.

Is a Home Warranty Worth the Cost in Texas?

For Texas homeowners, a home warranty is more than just an optional service—it’s often a necessary safeguard against the high costs of living in a state with extreme weather, aging infrastructure, and fluctuating repair expenses.

Key Reasons a Home Warranty is Valuable in Texas

  1. Weather Extremes:
    • Texas is notorious for blistering summers and occasional freezing winters, both of which can strain HVAC systems, plumbing, and electrical systems.
    • Repairs for heat-damaged air conditioning systems can cost $5,000–$7,500, while burst pipes during freezes can rack up bills of $500–$2,500. A home warranty ensures these costs remain manageable.
  2. High Repair Costs:
    • Repair and replacement costs for essential systems in Texas are among the highest nationwide due to labor demand.
    • For example, replacing a refrigerator can cost $800–$1,500, while water heater repairs average $1,000–$2,000. A home warranty reduces these costs to a small service fee.
  3. Aging Homes:
    • Many Texas homes are decades old, with outdated systems and appliances that require frequent repairs. A home warranty ensures these items are covered, saving homeowners significant expenses.
  4. Convenience:
    • Home warranty providers simplify the repair process by coordinating with pre-vetted contractors, eliminating the need for homeowners to search for reliable professionals.
  5. Real Estate Transactions:
    • For sellers, a home warranty can boost property appeal and lead to quicker sales. Buyers benefit from peace of mind, knowing their new home’s systems and appliances are protected.

Is A Home Warranty It Right for You?

A home warranty is especially valuable for:

With plans costing $300–$850 annually and service fees ranging from $60–$150, a home warranty offers unparalleled value for Texans looking to protect their homes and budgets from unexpected expenses.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

Who Oversees Home Warranty Companies in Texas?

In Texas, home warranty companies are regulated by the Texas Real Estate Commission (TREC). TREC is the official state agency responsible for ensuring that home warranty providers operate ethically, transparently, and in compliance with state laws.

TREC’s Role in Regulating Home Warranty Providers

  1. Licensing and Certification
    TREC requires all home warranty companies operating in Texas to obtain a license. This ensures that the providers meet specific standards for financial stability, service quality, and legal compliance before offering their plans to consumers.
  2. Consumer Protection
    One of TREC’s primary objectives is to protect homeowners by enforcing strict regulations on home warranty providers. This includes overseeing advertising practices, ensuring transparent contract terms, and regulating claim processes to prevent unfair treatment of consumers.
  3. Handling Complaints
    TREC serves as a resource for homeowners who encounter issues with their home warranty provider. If a homeowner experiences delays in service, denied claims, or unresponsive customer support, they can file a formal complaint with TREC. The agency investigates complaints and takes corrective action when necessary.
  4. Monitoring and Enforcement
    TREC actively monitors home warranty companies to ensure compliance with state laws. Companies that fail to meet these standards may face fines, license suspension, or revocation, ensuring accountability across the industry.

Why TREC Regulation Matters for Texas Homeowners

Filing a Complaint with TREC

If you experience issues with your home warranty provider, you can submit a complaint to TREC by:

By overseeing the licensing and operation of home warranty companies, TREC ensures that Texas homeowners are protected and that providers deliver on their promises.

Conclusion: Why a Home Warranty is Essential for Texas Homeowners

Owning a home in Texas comes with unique challenges, from the extreme weather conditions that can strain your HVAC system to the high costs of repairing or replacing essential appliances and systems. A home warranty acts as a financial safety net, helping homeowners manage these expenses while ensuring convenience and peace of mind.

With options like Elite Home Warranty, American Home Shield, First American Home Warranty, and others offering plans tailored to Texas-specific needs, there is a solution for every homeowner and budget. Whether you’re a first-time buyer, a long-term homeowner, or selling your property, a home warranty can provide protection, simplify repairs, and add value to your home.

By choosing a provider regulated by the Texas Real Estate Commission (TREC), you can trust that your investment is safeguarded by industry standards and consumer protection laws.