5 Best Home Warranty Companies in Texas (2024)

We recommend Liberty Home Guard for its reliable customer support and multiple air conditioning unit coverage. The company offers three plan options and 42 add-ons, the largest catalog in this review. 

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. When reviewing the Liberty Home Guard sample contract, we discovered it covers two air conditioning units, compared to other providers only covering one unit per service contract. LHG also provides discounts to select appliance purchases. We learned that LHG’s service call fees weren’t consistent or flexible.

We spoke to an LHG representative who explained that service call fees vary based on several factors, such as your plan, location, and add-on options. Unlike other home warranty providers, these restrictions limit your ability to customize your premium cost. 

Monthly cost: $49–$59

We scored Liberty Home Guard 4.5 out of 5 stars in our review standards. Here’s how LHG rated in key categories:

• Coverage (4.7 out of 5): The company scored high for its specialized coverage plans and 38 add-on options. 
• Value (4.25 out of 5): LHG lost points for not offering customized service fees and providing limited service technician options. 
• Trustworthiness and Transparency (4.8 out of 5): LHG received a near-perfect score for its excellent customer review scores. 
• Availability and Service (4.3 out of 5): We deducted points for its claims turnaround, which can take up to 48 hours to process.

Here are Liberty Home Guard’s plan details:

• Appliance Guard: This appliance-only plan covers major appliances, such as clothes washers, garbage disposals, and ovens. 
• Systems Guard: The system-only plan covers air conditioning, ductwork, electrical, water heaters, and other essential built-in systems. 
• Total Home Guard: The most comprehensive plan combines the Appliance Guard and Systems Guard plans. 

The company offers monthly and annual premium options. We received two free months of service with our annual plan sample quote. LHG offers midrange pricing for its monthly plans. Its comprehensive coverage plan costs less than other providers but offers lower coverage caps.

We’ve outlined LHG monthly costs below:

Liberty Home Guard offers the most add-ons of our reviewed providers, with 42 available options. The company offers unique coverage options, including professional appliances and second refrigerator protection. Cost varies by item, ranging from $3.99–$35.99 monthly.  When we pulled a sample contract online, the company listed the following options as the most popular options for Texas homeowners:

• Lawn sprinkler system 
• Limited roof leak 
• Pool and spa 
• Septic system pumping

Liberty Home Guard provides multiple convenient ways for customers to contact their support team. During our experience, we could reach a live representative in under a minute when we called LHG. Unlike many other providers, the company offers a live chat feature on its website. When we initially connected with the chat, a chatbot greeted us. We had to make two requests to speak with a live agent before we were connected. The live representative was very responsive and provided thorough answers to our questions.

We recommend American Home Shield for Texas homeowners thanks to its comprehensive heating and cooling system coverage on every plan level. We also tested the AHS claims process and received repairs within 24 hours of submitting a claim.

American Home Shield provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. After reviewing the American Home Shield sample contract, we found that coverage for air conditioning and heating systems is included with all plan levels. Even when choosing the lowest plan, ShieldSilver, you’ll receive solid system protection. To protect your home appliances, opt for the ShieldGold or ShieldPlatinum plans. We also discovered American Home Shield’s rust, sediment, or corrosion damage protection, a rarity for home warranty companies. 

Monthly cost: $29–$89

We scored American Home Shield 4.4 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): American Home Shield scored high for its three comprehensive plan options, which include heating and cooling protections. 
• Value (4 out of 5): AHS lost points for its bundled plan pricing and service fee amounts, which are higher than those of other providers we reviewed.  
• Trustworthiness and Transparency (4.25 out of 5): We deducted points for its lower customer review scores on third-party sites.
• Availability and Service (4.7 out of 5): AHS received high scores for availability, providing a 24/7 claims line and 24-hour response time.

Here’s an overview of American Home Shield’s coverage plans:

• ShieldSilver: The system-only plan includes major systems, such as air conditioning, electrical, and ductwork.
• ShieldGold: This plan covers systems and appliances, such as ranges, refrigerators, and water heaters.  
• ShieldPlatinum: The highest tier includes ShieldGold coverage and added protection, such as roof-leak repairs and HVAC tune-ups. 

American Home Shield offers a $100 or $125 service fee, making it easier to customize your price. Our sample quote showed higher premium costs with the lower service call fee. Compared to other providers, American Home Shield charges more for its bundled packages. The company only offers monthly plans, whereas other providers offer annual or monthly options.  

Our table below details AHS monthly costs and service fee options:

American Home Shield only offers six add-on coverage options, less than other reviewed providers. Home warranty companies offer around 10 add-ons on average, but availability varies between providers. Add-ons can cost as low as $4.99 per month for septic pump protection to $21.99 for guest unit coverage. 

Additional add-on protection includes the following options:

• Electronics protection plan
• Pool & built-in spa equipment
• Roof-leak repair
• Well pump

Our team member, a current American Home Shield customer, had a leaking pipe in the bathroom. He initiated a claim online and received both email and text confirmations right away. The claims process impressed us with the quick turnaround time to issue a technician. The service technician contacted him and scheduled an appointment for the very next day. The technician was able to fix the leaky pipe and only charged the service fee.

We recommend Select Home Warranty for Texas homeowners looking for HVAC protection at an affordable rate. Although its coverage caps are lower than other providers, these plans will offer financial assistance when unexpected breakdowns occur. 

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. The Select Home Warranty sample contract details the limited coverage caps for most items. You only receive $500 for covered items, which is considerably lower than other providers.

Select does provide $3,000 for HVAC coverage, and you can get system-only coverage with the Gold Care plan. This option is good for Texas homeowners needing low-cost heating and cooling system coverage. We don’t recommend it if you need higher limits for other systems or appliances. 

Monthly cost: $44–$47

We scored Select Home Warranty 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (3.7 out of 5): We deducted points for its lower coverage caps, which fall below the industry standard. 
• Value (5.5 out of 5): We awarded Select a perfect score for its premiums priced under $50 and cost-friendly service call fees. 
• Trustworthiness and Transparency (4.5 out of 5): We deducted a few points for its baseline 30-day workmanship guarantee and slightly lower review scores. 
• Availability and Service (4.3 out of 5): The company lost points for its claims process, which can take up to 48 hours.

Here are more details about Select Home Warranty plans:

• Bronze Care: This appliance-only plan includes essential appliances, such as cooktops, garbage disposals, refrigerators, and stoves. 
• Gold Care: Its system-only plan covers major home systems, such as cooling, heating, and plumbing. 
• Platinum Care: This plan combines the Bronze and Gold Care plan coverage and adds covered items, such as luxury appliances. 

Select Home Warranty provides monthly and annual options with added perks. With annual premiums, you receive $150 off and two free months of service. Although you benefit from lower service fees, you cannot choose your preferred rate. The company charges a $60–$75 service call fee per claim, which is lower than other providers. However, it assigns your service call fee, limiting your pricing customization. 

Here’s an overview of Select’s plan pricing below:

Select offers nine add-on options with its plans. This is typical for most home warranty companies. There are no options for second appliances or HVAC systems. However, these add-ons are very affordable, with the highest rate at $8.33 for pool coverage. With every plan option, you can add roof-leak coverage free of charge—most companies charge extra for this protection. 

Below is a sample of the available add-ons: 

• Central vacuum
• Lawn sprinkler system
• Stand-alone freezer 
• Well pump

While secret shopping, we learned that speaking to customer support for a quote could yield better deals. For example, we discovered Select offers its lowest service call fee through an exclusive over-the-phone deal. We recommend working with a Select representative via phone to secure a lower fee. 

We recommend America’s First Choice Home Warranty  (AFC Home Warranty) for its extensive customization options, which include four plans, three service fees, and several add-ons. The company has an unlimited air conditioning and heating system coverage cap, offering year-round protection for your Texas home.

AFC Home Warranty offers four plan options: the Silver Plan, the Gold Plan, the Platinum Plan, and the Diamond Plan. We read the AFC Home Warranty sample contract to verify its HVAC coverage. You receive an unlimited coverage cap for HVAC systems with a $80 cap for thermostats. Although plans include up to $3,000 coverage caps per item, an item’s age could affect your final payout. We learned that AFC Home Warranty depreciates an item’s value if it’s five years or older. Appliance coverage comes with every plan, but HVAC protections are only available in three. 

Monthly cost: $34–$92

We scored AFC Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.3 out of 5): AFC Home Warranty for its depreciation policy for items five years or older. 
• Value (4.5 out of 5): The company scored high for its service plan and service fee flexibility. 
• Trustworthiness and transparency (4.8 out of 5): AFC Home Warranty earned points for its solid third-party review scores, 24/7 customer service line, and online claims process. 
• Availability and service (5 out of 5): We rated the company a perfect score for its 24-hour claims process and flexible service technician policy.

We’ve detailed AFC Home Warranty’s plan below: 

• Silver Plan: This appliance-only plan protects nine appliances, such as cooktops, dishwashers, and refrigerators. 
• Gold Plan: The next plan provides comprehensive system and appliance protection for 15 items, such as air conditioning, heating, and plumbing. 
• Platinum Plan: This plan extends coverage to 20 systems and appliances, such as built-in microwaves and ice makers. 
• Diamond Plan: The highest plan includes Platinum coverage plus coverage for electronics and external sewer and water lines. 

AFC Home Warranty lets you choose a $75, $100, or $125 service call fee. When we chose the higher service call fee for our sample quote, our monthly premium increased. The company offers special discounts for its annual premiums. With a one-year plan, you’ll receive a $100 discount. Three-year plans come with $250 off.

Below is an overview of AFC Home Warranty’s available plans:

AFC Home Warranty offers 13 add-on options but doesn’t include secondary appliances or air conditioning. Add-on pricing aligns with other providers, with the lowest option at $25 per year. Its highest add-on option costs $150 annually for in-ground pool and spa protection. 

Additional coverage options include the following items: 

• Double oven
• Hot water dispenser
• Roof leak
• Sump pump

When generating a sample quote, we learned about added perks for holding an AFC membership. Membership benefits include discounts on HVAC filters, free credit monitoring, and various discounts for home, pet, auto, and dental insurance.  We also discovered that AFC Home Warranty allows you to choose your own contractor—a rare benefit. Most providers have their own preapproved network of contractors.

We recommend First American Home Warranty to Texas homeowners seeking high-end appliance protection. The company has high appliance caps but excludes air conditioning coverage in its base plan.

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. When reading through First American’s sample contract, we noticed that its Basic Plan doesn’t include air conditioning as a covered system. To receive coverage, you must choose an add-on option or one of its higher plans. Alternatively, heating systems are included with every plan.

Its Starter and Essential Plans include a $3,500 appliance coverage cap, while the Platinum Plan offers reimbursements up to $7,000. You can add the First American Advantage upgrade, which covers improper installations, modifications, and maintenance.

Monthly cost: $47–$87

We scored First American Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): First American scored high for its three combination coverage plans and generous coverage caps. 
• Value (4 out of 5): First American lost points for its service call fees, which are slightly higher than other providers.
• Trustworthiness and Transparency (4.8 out of 5): First American scored well for its industry experience, available sample contract, and excellent customer review ratings. 
• Availability and Service (4.3 out of 5): We deducted points for its average response time and limited technician options.

Here’s an overview of First American Home Warranty’s coverage plans:

• Starter Plan: This plan offers mostly appliance-only coverage and some system protection, such as heating and electrical. 
• Essential Plan: This plan includes the Starter Plan coverage and adds major appliances, such as air conditioning and water heaters. 
• Premium Plan: Its highest plan includes the Essential Plan coverage, plus additional protections for luxury appliances and window air conditioning units. 

First American offers annual and monthly premium options. Unfortunately, it doesn’t include discounts or free months of service with annual plans. First American does cost slightly more than other providers. However, you can customize your premium with a $75, $100, or $125 service call fee.

First American plan pricing is detailed below:

First American offers 12 add-on options, such as additional refrigerators and HVAC tune-ups. You’ll pay $8.33 for central air conditioning add-on coverage with the Starter Plan. Other add-on options include the following items:

• Limited roof-leak protection
• Pool/spa equipment
• Septic tank pumping/system 
• Water softener

Our team member tested the claims process for his garage door opener repair. Within just 30 minutes of submitting his online claim on a Friday, he was promptly provided with his technician’s information via text. The technician reached out and scheduled a service appointment for the following Monday. His repairs took less than 30 minutes to complete and he only paid a service call fee.