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.
Elite Home Warranty
Regency Total Home Warranty
Select Home Warranty
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.
Elite Home Warranty
- Award Winning Home Warranty Provider.
- Zero Commitment, Cancel Anytime.
- 24/7 U.S. Based Claims Support Team.
- Industry Top Tier Coverage Limits.
(888) 894-6151
Premium $59.99 - $69.99
Deductible $70.00 - $130.00
Total Coverage Benefits $25,000 Contractual Limit
Why We Chose Elite Home Warranty?
Elite Home Warranty distinguishes itself through a rare combination of flexibility, service speed, and high-value protection. Homeowners can customize plans to cover only what they need, without paying for unnecessary extras. With one of the fastest claims turnaround times in the industry and consistent customer satisfaction ratings, Elite is a trusted provider for those seeking hassle free, transparent coverage that truly delivers.
Pros :
- Award Winning Home Warranty Provider.
- Zero Commitment, Cancel Anytime.
- 24/7 U.S. Based Claims Support Team.
- Industry Top Tier Coverage Limits.
Where Services Are Available?
Available in 48 States. Coverage is not currently available in California and Wisconsin.
Regency Total Home Warranty
- Comprehensive Coverage.
- Unlimited Service Calls.
- Clear, Simple Terms.
(844) 240-8369
Premium $54.99 - $64.99
Deductible $60.00 - $100.00
Total Coverage Benefits $15,000 Contractual Limit
Why We Chose Regency Total Home Warranty?
Regency Total Warranty offers comprehensive protection for major systems, without the fine print headaches. Homeowners benefit from unlimited service requests, which is especially useful in older homes or for families with frequent repair needs. Their straightforward service terms make it easy to understand what’s covered and what’s not, offering peace of mind and reliable service with every claim.
Pros :
- Comprehensive Coverage.
- Unlimited Service Calls.
- Clear, Simple Terms.
Where Services Are Available?
Available in 50 States.
Select Home Warranty
- Affordable Plans.
- Free Roof Coverage.
- 24/7 Claims Support.
(888) 539-7220
Premium $54.99 - $64.99
Deductible $60.00 - $125.00
Total Coverage Benefits $11,000 Contractual Limit
Why We Chose Select Home Warranty?
Select Home Warranty offers homeowners reliable protection at a competitive price point. Their inclusion of roof leak coverage at no extra charge adds significant value, especially for budget conscious consumers. With nationwide availability and round the clock support, Select ensures homeowners get help when they need it most, making it a smart choice for basic, dependable coverage.
Pros :
- Affordable Plans.
- Free Roof Coverage.
- 24/7 Claims Support.
Where Services Are Available?
Available in 47 States. Coverage is not currently available in Nevada, Washington and Wisconsin.
Mike Holmes Protection
- Holmes Endorsed Standards.
- Certified Service Providers.
- Quality Focused Coverage Plans.
866-408-9898
Premium $69.99 - $79.99
Deductible $60.00 - $85.00
Total Coverage Benefits $25,000 Contractual Limit
Why We Chose Mike Holmes Protection?
Mike Holmes Protection carries the reputation of one of the most respected figures in home construction. The plans reflect his commitment to quality and safety, ensuring all repairs are completed by licensed, vetted professionals. Homeowners looking for accountability, contractor grade repairs, and long-term home integrity will appreciate the brand’s rigorous standards and service approach.
Pros :
- Holmes Endorsed Standards.
- Certified Service Providers.
- Quality Focused Coverage Plans.
Where Services Are Available?
Available in 43 States. Coverage is not currently available in California, Connecticut, Massachusetts, New York, Virginia, Washington and Wisconsin.
Liberty Home Guard
- 40+ Add On Options.
- Fast Claims Response.
- Covers Premium Items.
- User Friendly Portal.
855-681-9724
Premium $54.99 - $69.99
Deductible $85.00 - $150.00
Total Coverage Benefits $15,000 Contractual Limit
Why We Chose Liberty Home Guard?
Liberty Home Guard is perfect for homeowners who want control over their protection. With extensive optional coverages, from sump pumps to electronics, customers can build plans that fit their exact needs. Paired with fast service and high approval rates, Liberty offers one of the most customizable and dependable policies in the industry.
Pros :
- 40+ Add On Options.
- Fast Claims Response.
- Covers Premium Items.
- User Friendly Portal.
Where Services Are Available?
Available in 50 States.
America’s First Choice
- 3 Year Repair Guarantee.
- Choose Your Technician.
- Covers Older Items.
866-203-8901
Premium $54.99 - $69.99
Deductible $75.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose America’s First Choice?
America’s First Choice Home Club gives homeowners more control, offering the rare ability to hire their own technician for repairs. Their repair guarantee, lasting up to three years, is unmatched in the industry. With solid protection for aging appliances and systems, AFC Home Club is ideal for homeowners who value service flexibility, extended reliability, and contractor choice.
Pros :
- 3 Year Repair Guarantee.
- Choose Your Technician.
- Covers Older Items.
Where Services Are Available?
Available in 50 States.
American Home Shield (AHS)
- Pre Existing Coverage.
- Customizable Plans.
- Large Contractor Network.
Premium $54.99 - $89.99
Deductible $75.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose American Home Shield (AHS)?
American Home Shield is a legacy provider with over 50 years of experience. It’s one of the few companies that covers undetected pre existing conditions and wear and tear breakdowns, which are often excluded elsewhere. Their wide contractor base and plan flexibility make AHS a strong choice for homeowners who want comprehensive protection with minimal restrictions.
Pros :
- Pre Existing Coverage.
- Customizable Plans.
- Large Contractor Network.
Where Services Are Available?
Available in 48 States. Coverage is not currently available in Alaska and Hawaii.
ARW Home – American Residential Warranty
- Month to Month Plans.
- Smart Tech Add Ons.
- U.S. Based Support.
Premium $54.99 - $64.99
Deductible $100.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose ARW Home – American Residential Warranty?
American Residential Warranty offers flexibility without sacrificing coverage. Their no contract plans and optional bundles, like smart home or electronics protection, are ideal for tech savvy homeowners. With domestic customer support and easy plan management, they provide modern solutions for homeowners seeking simplicity and versatility.
Pros :
- Month to Month Plans.
- Smart Tech Add Ons.
- U.S. Based Support.
Where Services Are Available?
Available in 50 States.
First American Home Warranty
- Fast Appliance Repairs.
- Easy Claims Process.
- Realtor Recommended.
Premium $54.99 - $64.99
Deductible $85.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose First American Home Warranty?
First American is a longtime favorite among homebuyers and real estate professionals. Their appliance repair and replacement process is efficient and customer friendly. With competitive pricing and strong industry partnerships, they’re well suited for new homeowners or anyone needing straightforward, no fuss protection.
Pros :
- Fast Appliance Repairs.
- Easy Claims Process.
- Realtor Recommended.
Where Services Are Available?
Available in 35 States. Coverage is not currently available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin.
Cinch Home Services
- 180 Day Repair Guarantee.
- Appliance Credit Perks.
- Digital Claim Tools.
Premium $54.99 - $64.99
Deductible $75.00 - $150.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose Cinch Home Services?
Cinch Home Services brings reliability and ease to home protection. Their extended workmanship guarantee covers repairs for up to six months, while digital tools streamline every step of the process, from submitting a claim to tracking technician visits. It’s a perfect choice for busy homeowners who prioritize efficiency and long term coverage quality.
Pros :
- 180 Day Repair Guarantee.
- Appliance Credit Perks.
- Digital Claim Tools.
Where Services Are Available?
Available in 48 States. Coverage is not currently available in Alaska and Hawaii.
Elite Home Warranty Named 2025’s Best Home Warranty Company Nationwide
HomeWarrantyCompanies.com, a trusted resource for comparing top-rated home warranty providers, publishes its annual rankings based on consumer satisfaction, service quality, and expert evaluation. After reviewing more than 25 leading providers, Elite Home Warranty was recognized as the #1 Home Warranty Company Nationwide for 2025. This honor reflects Elite’s proven commitment to delivering reliable coverage, outstanding service, and a customer-first experience. When it comes to protecting your home, Elite continues to set the standard.
Why Thousands of Homeowners Choose Elite Home Warranty?
Elite Home Warranty is not just another option, it’s a smarter choice backed by real results. Here’s what sets Elite apart:
- Top Rated Customer Satisfaction: 4.9/5 stars across trusted platforms including BBB, Consumera, Google, and more.
- Affordable Pricing: Competitive rates without hidden fees, inflated premiums, or misleading terms.
- Fast Claims Processing: 90% of claims are reviewed and processed within 72 hours, with real time updates.
- Best in Class Coverage You Can Count On: Industry leading coverage benefits and high payout limits, built to actually work when you need them.
- Award Winning Support Team: U.S.-based customer service and claims concierge care available 7 days a week for fast, friendly assistance.
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
- 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.
- 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.
- 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.
- Convenience:
- Home warranty providers simplify the repair process by coordinating with pre-vetted contractors, eliminating the need for homeowners to search for reliable professionals.
- 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:
- Extreme Climates: Protect HVAC and plumbing systems from Texas’s intense heat and freezing temperatures.
- Budget-Conscious Families: Manage unexpected repair bills with predictable costs.
- First-Time Buyers: Gain financial stability in the early years of homeownership.
- Aging Homes: Offset frequent repairs on older appliances and systems.
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.
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
- 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. - 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. - 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. - 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
- Trust and Reliability: Knowing that home warranty providers are licensed and monitored by TREC gives homeowners confidence in the legitimacy and accountability of their chosen provider.
- Dispute Resolution: TREC offers homeowners a formal channel for resolving disputes with their home warranty company, ensuring fairness in claim outcomes.
- Transparency: Regulations enforced by TREC require companies to clearly outline coverage, exclusions, and fees in their contracts, reducing the risk of hidden costs or misunderstandings.
Filing a Complaint with TREC
If you experience issues with your home warranty provider, you can submit a complaint to TREC by:
- Visiting the TREC website to complete a complaint form.
- Providing detailed information about your issue, including documentation such as your home warranty contract, claims history, and correspondence with the provider.
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.