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Audited & Verified: Aug 28, 2025, 11:08am
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| Staff EditorIt isn’t straightforward to choose the best home warranty in Texas. After all, there is a long list of great options to choose from, and for many homeowners, this might be their first home warranty. However, it’s important to focus on just a few important factors to help figure out which provider is right for you. These include how much you’ll pay, your selected plan’s coverage and consumer sentiments. In Texas, you’ll also probably want to look for a company that protects your HVAC system ahead of scorching summer temperatures and includes coverage against rust and corrosion if you live on the coast.
We’ve kept all of these factors in mind and more to help come up with a list of the top home warranty companies in Texas. Our team looked into 19 home warranty providers, obtained real quotes and observed how they stacked up against more than 100 data points to get the final list.
The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. Our ratings for home warranties consider factors that include pricing, coverage options, nationwide availability, quote process, customer sentiment and more. All ratings are determined solely by our editorial team in line with our strict editorial guidelines.
Learn More: How We Score Home Warranty Companies
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
The best home warranty companies in Texas can offer you peace of mind, our editorial team scored several providers against a variety of data points like monthly costs, plan offerings, consumer sentiments and more.
| COMPANY | OUR RATING | BEST FOR | MONTHLY FEE | AC COVERAGE | LEARN MORE |
|---|---|---|---|---|---|
 4.7    | Best Overall | $32.00 - $72.00+ | Yes | Read Forbes' Review | |
| 4.5 | Best Service Response Times | $46.08 - $59.92+ | Yes | On HWA's Website | |
| 4.5 | Best Cost and Plan Options | $49.99 - $59.92+ | Yes | On Liberty Home Guard's Website | |
| 4.4 | Best for Unique Home Features | $29.99 - $79.99+ | Yes | On American Home Shield's Website | |
| 4.3 | Best Value | $39.99 - $74.99+ | Yes | Read Forbes' Review |
Best Overall
Best Overall
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty offers a distinctly layered lineup of home warranty plans tailored to Texas households. Whether you’re managing a listing, building a home or moving into one, this provider offers packages starting at $32 that range from appliance-targeted plans to broad-spectrum coverage options for deeper protection.
Learn more: 2-10 Home Buyers Warranty review
2-10 Home Buyers Warranty caught our eye thanks to its pricing structure and its adjustable fee system. You can design your monthly premium by switching up your service fee level, which could be a great perk for homeowners wanting more cost control. Another important feature is the company’s efficient support, offering protection for homes from start to finish.
Why We Like It
2-10 Home Warranty provides plans that let you prioritize what you care about. For instance, if a customer wants lower premiums, they can choose a pricier service fee. Need only appliance protection? 2-10 makes it happen. Additionally, if you’re near the coast in Texas, note that 2-10 offers roof leak coverage as an add-on.
What We Don’t Like
In Texas, 2-10 does allow choosing your own contractor, though you’ll need prior authorization in order to proceed with a necessary repair. Also, the company maintains a fairly inflexible cancellation policy—if you cancel within the first 30 days, you’ll get charged $25, then the price increases to 10% of the total cost of your annual plan after 30 days.
Who It’s Best For
2-10 will likely benefit those homeowners who are looking to customize in Texas and who want ultimate control of plan expenses and home warranty coverage.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
The sentiments from 2-10 Home Buyers Warranty respondents were overall positive and gave high praise to the providers’ services. There was some mixed feedback in the reviews about claims, denials, limitations and lack of communication. These complaints came mostly from rejected claims, preexisting issues and slow response time. Overall, the feedback was overall positive, especially around clear communication and expected timelines.
From a survey of 1,800 U.S. policyholders, 86% of 2-10 customers said they would recommend the provider, and 88% rated its value proposition as worthwhile. These results reflect consistent positivity.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Simply Kitchen | $32+ | $65 - $100 |
Complete Home | $52+ | $65 - $100 |
Pinnacle Home | $72+ | $65 - $100 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Best Service Response Times
Best Service Response Times
Home Warranty of America (HWA)
This company features two main coverage plans in Texas: Select and Select+. The Select Plan begins at $46.08 monthly and includes standard coverage for key home systems and appliances. The Select+ Plan extends to that coverage, starting at approximately $60, with broader benefits.
Learn more: Home Warranty of America review
We chose Home Warranty of America for its straightforward plans and full U.S. availability. It’s one of the few providers offering an energy-focused add-on for making certain replacements ENERGY STAR appliances, which adds value for modern homeowners. With just one basic and upgraded option, it’s a simple pick for anyone who doesn’t want to sort through a maze of fine print.
Why We Like It
We like that HWA keeps it simple with two easy-to-understand plan tiers. Even the lower tier covers your home’s essentials, and the upgraded tier brings added protection for larger household systems. Service fees are middle-of-the-road at $75 to $100, which lets users budget smarter. We’re also into the green coverage—a rare find in this space.
What We Don’t Like
With HWA, you won’t be able to select your own repair professional, as the company assigns someone from its in-network list. And if you’re looking for plans that cover only appliances or only systems, it may not be the company for you. It’s not always a drawback for everyone, but it is worth noting.
Who It’s Best For
This provider can be a good choice for those who need a straightforward plan that protects both appliances and systems.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
HWA received overall mixed customer sentiments, according to our analysis. Positives include helpful customer service agents and technicians. But, in more negative reviews, customers tended to mention surprise costs, long service wait times and inadequate coverage.
Home Warranty of America got moderately strong marks from surveyed customers. While 15% of users reported a surprise charge, the majority still said they felt the plan offered fair value for what they paid. The average annual premium came in at roughly $644, and HWA scored just under eight for overall satisfaction. The most common praise came from those who chose the eco add-on and didn’t need coverage beyond the basics.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Select | $46.08+ | $75 - $100 |
Select Plus | $59.92+ | $75 - $100 |
Add-On Options:
Best Cost and Plan Options
Best Cost and Plan Options
Liberty Home Guard
Liberty Home Guard, with nearly a decade of service, stands out for its consumer-first plan structure. You’ll find combo coverage choices and a sliding service fee range that lets you adjust costs. It’s a good fit for homeowners who want more control over how their coverage works.
Learn more: Liberty Home Guard review
Liberty Home Guard made our list because it gives customers the freedom to choose their own contractor (something not all providers allow). We also liked that it includes rental properties under its plans. That kind of flexibility earns extra points for homeowners with unique living situations.
Why We Like It
Liberty has one of the deepest menus of add-ons available—think saltwater pools and even window washing. That makes it a smart option for anyone looking to go beyond basic protection. Plus, the company offers multiple customer support channels like phone, chat and even text, which adds a layer of convenience when it’s time to file a claim or ask questions.
What We Don’t Like
The cancellation fee is a set $50, and it’s not waived if you change your mind early. That might not seem like much, but it’s a bump in the road if you’re still testing the service. Also, that $2,000 limit on each item means not all high-ticket repairs are fully covered, so you’ll want to be clear on where that cap might leave you short.
Who It’s Best For
Liberty is a strong pick for homeowners who want flexibility between appliance and system plans. It’s also worth considering if you’re open to paying a bit more for maximum flexibility. Renters, landlords and manufactured home owners may find its range of support especially appealing.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
This home warranty company had generally varying reviews from customers. As far as satisfied customers go, these reviews tended to mention positive experiences with customer service agents and frequent communication. In less-positive reviews, customers often noted a lack of transparency and delays in services.
Liberty Home Guard scored fairly well on our survey of home warranty customers. When asked, 84% of customers said they were pleased with the outcome of their service calls and 85% of customers we surveyed said they intend to renew their plan.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99 | $65 - $125 |
Systems Guard | $54.99 | $65 - $125 |
Total Home Guard | $59.99 | $65 - $125 |
Add-On Options:
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
With over half a century’s worth of expertise, American Home Shield is certainly a tenured professional with a “been there, done that” reputation that precedes it. AHS has done it all, and customers can rely on three expansive coverage options that start at $29.99 and range up to $79.99 for their premium tiered package.
Learn more: American Home Shield review
In Texas, American Home Shield gives you the agency to choose between month-to-month or yearly payment options. We like that the company presents a systems-only option in addition to combo plans offering tiered coverage. Its entry-level ShieldSilver plan ranks among the least expensive on the market and still includes AC, essential in Texas’s intense summers.
Why We Like It
AHS has some unique features that make it stand out in Texas, including coverage for preexisting conditions and code violations, as well as coverage options for renters and those who live in condos and manufactured or mobile homes. The company strives to answer claims in Texas within 24 to 48 hours and sometimes offers a video diagnosis option for a quicker solution.
What We Don’t Like
Though the company does allow you to work with your preferred technician, getting that approval can be challenging. And if you cancel after the initial 30-day window, expect an administrative fee equal to one month’s payment.
Who It’s Best For
This provider (while not perfect), is an ideal choice for practical homeowners who want strong appliance and system coverage.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Customer feedback about American Home Shield was mixed to negative in our research. Many homeowners appreciated the efficiency in solving their issues, but others expressed concerns about contractor professionalism and surprise pricing.
Our recent home warranty survey of 1,800 participants revealed that 83% of American Home Shield customers who were surveyed said they would recommend the company to a friend or family member. Additionally, 84% of the company’s customers we asked said they found its contract terms to be overall clear and easy to understand.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Add-On Options:
Best Value
Best Value
ARW Home
ARW Home has three plans designed to cover your Texas home’s systems and appliances. One plan, the Kitchen Plus Plan (which starts at $39.99), focuses on kitchen systems and appliances. Its other plans, the Platinum Plan and Platinum Plus (which start at $64.99 and $74.99), combine more home systems and appliance coverage, with the top plan giving you the most coverage.
Learn more: ARW Home review
ARW Home is our pick for Texas homeowners who want simple plan structures with focused coverage. The company offers three organized plans, each designed to support different household priorities. Our team appreciates that ARW includes HVAC in its mid-tier option, making it practical for homes facing seasonal HVAC demands.
Why We Like It
One helpful feature of ARW is that it does not outright deny coverage based on the age of your home, which is a useful policy. We also appreciate the flexibility to choose your own contractor, a feature not every provider offers. Its robust list of add-ons, including pools, could make it a top choice for more amenity-heavy homes.
What We Don’t Like
There’s a $45 cancellation fee, and some customers report needing to cancel by mail, a process that feels slow. If you value easy account management, you may want to clarify the policy details ahead of time.
Who It’s Best For
ARW Home is an appealing choice for Texas homeowners who want kitchen-centric plans with room to grow. It could be especially fitting for owners of older homes and those who prefer simple customization.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Customer feedback for ARW remains split. While some homeowners highlighted the company’s reliable service dispatch and friendly customer support, others shared issues with claims processing delays, unclear coverage fine print and mail-in cancellation requirements. As always, we advise reading plan documents closely before enrolling.
In our recent survey of 1,800 home warranty customers, ARW Home customers seemed generally satisfied with the company’s services. Of the company’s customers we surveyed, 92% said they were satisfied with the value of the company’s services. Additionally, 93% of ARW Home customers who were part of our survey said they’d recommend the company to others.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | $55+ |
Platinum | $64.99+ | $55+ |
Platinum Premier | $74.99+ | $55+ |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
We recently conducted a survey of 1,800 customers with home warranty policies and found out that 79% of respondents reported spending between $801 and $900 per year on their home warranty premium costs. This amounts to about $70 per month.
Typically, monthly home warranty costs range from $27 to $100, or $60 on average. To reach a more accurate rate for you, you’ll also need to factor in service fees, which you’ll need to pay each time you call on a contractor to your home to perform a repair under your home warranty plan. These usually range from $65 to $150 per visit, and the cost of your service fee may lower or raise your monthly premium.
It’s helpful to compare home warranty premiums and service fees to average home repair costs to know if you’re getting a good deal. For example, dishwasher repairs can cost $250 on average. Knowing average home warranty premiums and service fees, you can get a better idea of what you can save, even while you’re making consistent monthly payments with a home warranty.
The cost of your home warranty in Texas will depend on the plan you choose and from which company. Plans that cover additional systems and appliances will cost more than your barebones plans available from the cheapest home warranty companies. Add-ons will also raise your cost. For instance, if you want to add roof leak or corrosion coverage in Texas because of its location on the coast, this may cost extra. Plans that include HVAC coverage may cost more than those without it, but can be well worth it in the extreme high temperatures of Texas.
| TEXAS HOME WARRANTY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost | $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
A home warranty can be worth it in Texas, but whether it makes sense for you depends on a few key factors. If you own a newer home where many appliances and systems are still covered by builders’ or manufacturers’ warranties—or if you’re particularly handy and comfortable tackling your own home issues—a home warranty may feel unnecessary. But if your home is older and the original warranties have expired, investing in a home warranty could be a smart move—especially when it comes to unexpected repairs.
Home warranties also provide reassurance when AC-related things go wrong. If your AC breaks during a scorching Texas summer, your provider can quickly send a trusted technician to handle the repair. As long as the issue is included in your plan, all you’ll owe is the service fee—no surprise bills.
Selecting a home warranty plan is a personal choice based on your specific needs, your home and the systems and appliances you want to protect. That said, every homeowner can keep key factors in mind to make the best possible home warranty decision. Additionally, there are certain considerations that Texas homeowners should pay extra attention to when comparing plans.
Most home warranty companies offer HVAC coverage (a.k.a the heating, cooling and ventilation system). Even if you aren’t in a specifically cold part of Texas, those one-off heat waves and winter chills can quickly remind you how crucial an efficiently running HVAC system is. HVAC repair costs can be around $400 on average, though it hinges on what needs to be repaired, as the broader cost range is $100 to over $2,500. Though these repairs can be costly, you don’t want to take the chance of your HVAC dying during an extreme heat wave.
To get the most out of a home warranty, start by identifying your distinct coverage needs. Consider which home systems or appliances are likely to need attention soon (particularly those that are aging or approaching the end of their life). Take into account what’s relatively new and may still be protected by a manufacturer’s warranty.
It’s also smart to weigh which systems or repairs could be especially disruptive to fix, such as electrical wiring, plumbing or large appliances.
Once you’ve built a clear picture of your home’s needs, compare it against what home warranty companies cover. Matching your priorities with what different providers offer—and what fits your budget—can help ensure you choose a plan that’s truly worth the investment.
Budget is arguably the most important aspect of the home warranty company research process. If you don’t have the money for a specific plan, then why look at it? To save time, our team suggests comparing plans and premiums against what you can spend and scratch out any options that don’t fit into your financial plan.
Consumer sentiments will reveal more information about a company than you’d think. If possible, read each company’s customer reviews from the last year or two, specifically, ideally on multiple platforms. Consider reaching out to your community, friends, family and neighbors to get a sense of their feelings on the providers they work with.
Sample contracts are frequently available for viewing on each home warranty provider’s website, and we suggest reviewing these so you can get a sense of what you could be signing up for. You’ll learn insights like terms of renewal, coverage exclusions and caps, payout limits and cancellation fees, which will guide you to your ultimate answer on which service is best for you.
Coverage exclusions and limits are especially crucial for Texas residents who frequently see extreme weather in certain months, as HVAC systems can fail and cause you to reach your limit quickly. Ensure you know what these limits are so you’ll know what to do in the case of a summer heat wave.
Home warranties are regulated in Texas by the Texas Department of Licensing and Regulation. If you run into issues with a company, you can file any complaints there, and ask any questions you may have.
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In Texas, most home warranty companies cover home systems and appliances, but ultimately, coverage hinges on the particular company you’re working with, the plan you select and any additions. You’ll see that many companies offer levels of coverage; some levels only cover basic systems or appliances, while others broaden the scope to a blend of appliance and system coverage.
Typically, your home warranty company will offer coverage for wear-and-tear repairs. For example, if your AC system kicks the bucket, you may not have to pay out of pocket for those repairs. Check your contract for what is and isn’t covered.
Understanding what your home warranty doesn’t cover is arguably just as important as knowing what it does. Like we said earlier, home warranty plans can’t guarantee coverage on all repairs or replacements for systems and appliances mentioned in your plan.
One major factor is why the repair is needed. Home warranty plans generally don’t cover damage caused by external events—like when a tree hits your home or if a coastal flood causes damage. Those types of situations are usually covered by homeowner’s insurance, not a home warranty. Likewise, if the issue stems from human error or improper use, your claim may be denied. Home warranties are intended to be used for problems that arise from normal wear and tear—not for damage caused by accidents or weather events.
Coverage limits are another important consideration. For example, if you live along the coast in Texas and salty air has corroded parts of your home, your warranty provider may only cover a portion of the repair costs—even if corrosion coverage is included in your plan. Our team recommends speaking with your home warranty company about what exactly is and isn’t included in your plan.
To help get a sense of home warranty trends in Texas and around the country, we surveyed 1,800 homeowners who have been enrolled in a home warranty plan in the last 12 months. Homeowners in Southwest gave us the following insights about how they use their plan, how they feel about home warranties overall and the companies they chose.
Looking for a home warranty in a state other than Texas? Select your state from the list below to find the best companies that serve your area.
Best Home Warranty Companies By State
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis, which includes over 146,000 first-person insights as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
Compare Quotes From Top-rated Home Warranty Companies
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To get the most out of your home warranty experience, you first need to enroll in a plan that covers the systems or appliances you care most about. The home warranty company has certain limits and caps on specific systems and appliances, and these details will be laid out before you sign up. You’ll pay a premium, usually monthly, to stay enrolled in the plan. If you one day submit a claim for a problem you’re experiencing, you’ll also pay a specific fee in advance of a technician arriving at your house. Then, the technician will fix the issue. If your situation is covered under your policy, you likely will not encounter any other fees.
No, home warranties and home insurance plans are different. Home insurance plans are typically required to be approved for a mortgage and protect your home from damage, such as from covered natural disaster incidents or fires. Home warranties are optional and cover specific home systems and/or appliances during routine maintenance and repairs based on contract terms.
Home warranties aren’t required in Texas or anywhere, so you don’t technically need a home warranty plan. That said, if your home and its systems and appliances are on the older side and you’re worried about expensive home repair costs on the horizon, a home warranty plan might be a good idea.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
Sami Allen is the managing editor at Forbes Home, with over seven years of experience in the home space and 10 years of editing experience.
