Jesus Sanchez Garcia is a senior writer for USA TODAY Homefront. His expertise focuses on home warranties, with over 50 hours spent reviewing provider sample contracts to understand their benefits. He also regularly performs consumer research, such as surveys and customer interviews with an eye on incorporating data into his writing. Jesus has a bachelor’s in business administration from California State University, Stanislaus, and is still located within California’s vibrant Central Valley. When he is not researching or writing, he enjoys supporting his favorite sports teams, spending time with loved ones and chasing new adventures outdoors.
Editorial note: Homefront (defined in the Disclosure below) may earn a commission from affiliate partner links featured on our site. This commission does not influence our editors’ opinions or evaluations.
Texas is the second largest state in the United States. It’s home to multiple topographies, such as prairies, the hilly countryside and a section of the Rocky Mountains — all of which experience varied climates throughout the year. These weather conditions can affect your home’s major appliances and systems, leading to unpredictable breakdowns. Consider a home warranty to offset the inconvenience and cost of these breakdowns.
We recommend 2-10 Home Buyers Warranty and Liberty Home Guard for a Texas home warranty. 2-10 features a slew of coverage perks, such as its Supreme upgrade. Liberty Home Guard provides coverage for two electric air conditioning units within two of its plans. Both companies cover the entire Lone Star State.
Our team analyzed over a dozen home warranty companies nationwide and picked seven as our top home warranty recommendations based on our proprietary rating methodology. From those seven, we chose the best providers in Texas.
You can get started by requesting quotes from these providers:
The listings that appear are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This listing does not include all companies or all available offers and products.
In the know
Over 150 homeowners have bought a home warranty plan from one of the above companies in the last 30 days.
We gathered pricing information for the comparison table below by requesting quotes across all 50 states and calculating a national average for all featured companies. We used a 2,000-square-foot, single-family home in each state to obtain quotes.
Texas weather can encompass blistering heat and teeth-chattering cold within several months. Consider your home’s major systems or appliances that are exposed to the elements before researching providers. Once you know your coverage needs, choosing a home warranty becomes easier.
The average cost of a home warranty in Texas is $55 per month or $661 annually, according to our national average calculations. However, your ZIP code, house size and plan selections all affect the final price of your home warranty plan, so we recommend requesting a personalized quote from the providers listed in this article.
Some providers allow you to customize your plan premium by selecting from various service fees. Typically, the higher the service fee, the lower your plan premium will be. Here is a visual representation of the average monthly and annual premiums nine popular home warranty companies charge in Texas.
Consider the local climate when you shop for a home warranty. In the Dallas area, temperatures rise to triple-digit numbers nearly every summer, according to the National Weather Service.
Throughout the winter, Texas temperatures can drop significantly in some areas — Corpus Christi often sees temperatures below 40 degrees Fahrenheit, and Amarillo sees below 20 degrees. It’s worth considering a provider that offers solid HVAC coverage limits so you’re prepared for the seasons.
Learning how to spot an unreputable home warranty company can save you time and money down the road. Here are a few common red flags to look out for:
Reviewing a home warranty company’s sample contract is typically overlooked by most customers. In our experience reading hundreds of customer ratings, we discovered many complaints centered around exclusions that providers list within their sample contracts.
To minimize the chances of a denied claim, we suggest reading the following sections of a provider’s sample contract:
Before signing up for a Texas home warranty, we recommend understanding the consumer protections the state provides. We found that the Texas Department of Licensing and Regulation (TDLR) has regulatory oversight over home warranty companies.
According to Texas statute 1304.003, home warranty companies must provide a complete refund of the service contract purchase price if you cancel your contract within the initial 30 days of sign-up.
You also have access to TDLR’s business license database to verify whether a home warranty company holds a license to operate in Texas.
We research and rate home warranty providers to help you choose the right one for your budget and your home. The best home warranty companies offer multiple coverage choices, high coverage limits, competitive pricing, good reviews, solid service and extra features.
We rate companies based on our in-depth methodology. We score companies out of 100 on factors related to their coverage options, coverage limits, pricing, reputation, customer service and extra features. We then divide their final score by 20 to obtain a 5-star rating in our reviews.
Our team chose each home warranty company listed below due to their competitive plan costs, additional coverage perks and workmanship guarantees.
What we like
2-10 Home Buyers Warranty features unique coverage perks and comprehensive system and appliance protection. For example, 2-10 provides an unlimited workmanship guarantee that lasts the life of your plan. This means 2-10 will cover the repair cost of a previously serviced item if it malfunctions during the policy term.
Another feature we like is its Supreme upgrade, which increases appliance and system coverage limits from $2,000 to $5,000 per claim. As a bonus, 2-10 includes this add-on within its Pinnacle Home plan.
What we don’t like
Through our secret shopping we found that 2-10 excludes clothes washer and dryer coverage from its entry-level plans. You must buy the Pinnacle Home plan or an add-on if you want coverage for those items.
2-10 Home Buyers Warranty provides three home protection plans, each with the choice of a $65, $85 or $100 service call fee.
Here is a brief overview of each coverage plan:
2-10’s sample contract mentions that it offers two additional coverage plans not available online: Simply HVAC and Essential Home. As its name implies, the Simply HVAC plan only covers cooling and heating systems. The Essential Home plan bundles the Simply HVAC and Simply Kitchen plans.
When I called 2-10 to inquire about the missing plans, the representative stated that those plans were only available over the phone.
Add-on options:
2-10 provides 16 additional coverage options, which is more than other companies we’ve reviewed. The quote we requested listed add-ons that other Texas homeowners frequently buy together. Based on our quote, the Supreme add-on costs an extra $5 per month.
Other factors that influence coverage:
As mentioned above, 2-10 extends a workmanship guarantee that lasts the life of your plan. Few home warranty companies provide workmanship guarantees of that length.
Regarding coverage caps, 2-10 pairs each covered item with a $2,000 annual cap. If you purchase the Supreme upgrade or the Pinnacle Home plan, the annual limit rises to $5,000.
2-10 Home Buyers Warranty holds an A- rating on the Better Business Bureau (BBB). Most home warranty companies have a B rating on BBB, so 2-10 scored better. However, 2-10’s BBB profile has a customer rating of 1.2 stars out of 5. A BBB review from Ryan V. stated that his claims experience had multiple delays due to a lackluster service provider.
On other review sites, such as Best Company, 2-10 had more positive customer reviews. For example, a Best Company review from Kaitlyn W. highlighted the seamless claims experience 2-10 provides.
Liberty Home Guard (LHG) is another provider we recommend that services Texas. One of its standout features is its extensive list of add-on coverage. LHG offers up to 38 add-ons.
According to LHG’s sample contract, LHG will cover two electric air conditioning units in its System and Total Home Guard plans. Other companies only cover one unit.
In addition, LHG provides a $2,000 coverage cap for most of its covered systems and appliances.
LHG limits electrical and plumbing systems to $250 per claim within the first 90 days of coverage. After 90 days, it increases this limit to $500, which is still shy of its standard $2,000 limit.
While requesting our quote, we discovered that LHG doesn’t provide its service call fee until you purchase a plan. Other home warranty companies we’ve analyzed are more transparent, as they list their service fees within their quotes.
Liberty Home Guard offers three home warranty coverage plans. We called an LHG representative to verify the cost of its service fee. The representative said LHG assigns your service fee based on your home’s size and location as well as your plan choices. The service fee ranges from $65–$125 per claim.
As mentioned above, LHG offers 38 add-ons. Based on our experience pulling quotes from over 10 home warranty companies, the average number of add-ons that companies offer ranges from 10–12 add-ons.
Our LHG quote listed limited roof-leak repair coverage for an additional $12 a month.
LHG pairs most covered appliances and systems with a $2,000 coverage cap — all except plumbing and electrical systems. LHG also has a 60-day workmanship guarantee per completed repair, which is double the industry standard of 30 days.
Liberty Home Guard’s A rating on BBB was changed to N/R (“not rated”). In March 2024, LHG responded to losing its A rating with a statement that the company’s customer satisfaction levels remain the highest relative to its scale. LHG also stated that in February 2024, it received the lowest number of cancellation requests in its history.
LHG holds a BBB customer review rating of 4.5 out of 5 stars. Most home warranty companies we’ve reviewed have 3 stars or fewer on BBB. Customers on BBB applaud LHG’s friendly customer service and affordable plan prices.
We found a similar theme on Trustpilot. Many Trustpilot customer reviews express satisfaction with the respectful service provided by LHG representatives.
We did find some negative reviews from customers who experienced delayed claims processing.
American Home Shield (AHS) is another top pick for Texas residents because of its comprehensive HVAC system protection. After reading AHS’ Texas sample contract, we found that it covers up to $5,000 per cooling and heating system repair.
AHS also offers flexible service fees with each coverage plan it sells. The flexible fees adjust your plan premium based on your selection.
AHS provides limited coverage customization due to the lack of add-on variety. AHS only offers six add-ons, although some are options other companies don’t offer, such as guest unit coverage.
Additionally, AHS charges a higher monthly premium for its comprehensive plan than other providers. Our quote lists AHS’ ShieldPlatinum plan at $90 with a $125 service fee. Compared with our national average of $77 for comprehensive plans, AHS charges 17% more.
American Home Shield has three protection plans. You can pair each with a $100 or $125 service fee.
AHS features a small number of add-ons. That said, it does offer coverage for unique items such as guest units and household electronics. Based on our quote, expect to pay an additional $14 per month.
AHS provides an industry-standard workmanship guarantee of 30 days. Where AHS shines is its per-item coverage limits. It also has generous limits on home appliances — up to $4,000 per claim in its ShieldPlatinum plan.
Our research shows that American Home Shield holds a B rating on BBB. Like other home warranty companies, AHS has poor customer reviews on BBB since the site generally receives company complaints rather than general reviews. AHS holds a customer rating of 2.1 out of 5 stars. However, we found that AHS generally responds to customer complaints within several days after they’re posted on BBB.
Other review sites, such as Trustpilot, feature multiple positive customer reviews. Several customers reported that they regularly experience prompt and professional service from AHS and its technicians.
Below are two Texas home warranty companies worth considering if you need generous appliance protection or coverage perks.
Few home warranty companies can offer the level of appliance protection First American Home Warranty provides. If you choose the Premium plan, it pays up to $7,000 for each covered appliance.
In addition to comprehensive appliance coverage, First American offers its First American Advantage upgrade that pays for miscellaneous repair or replacement fees such as appliance removal. First American includes this upgrade in its Essential and Premium plans.
Through our secret shopping process, we discovered that First American doesn’t cover air conditioning systems within its Starter Plan. Other home warranty companies include both heating and cooling system coverage within their basic plans. First American also excludes washer and dryer coverage from its Starter Plan.
First American Home Warranty provides three coverage plans. You can choose from three service call fees, ranging from $75 to $125 per claim.
First American provides eight add-ons, such as pool protection, septic tank and well pump coverage. Our quote listed pool coverage at $21 per month.
First American pairs a $3,500 coverage cap per covered appliance in its Starter and Essential plans. It raises this appliance cap to $7,000 in the Premium Plan. First American also has comprehensive coverage limits per major system — unlimited coverage caps for all systems except water heaters. First American pays up to $1,000 per water heater claim.
Like American Home Shield, First American offers a 30-day workmanship guarantee.
First American Home Warranty has a B rating on BBB. However, its BBB customer reviews are poor, with a customer rating of 1.8 out of 5 stars. We found that First American often responds to negative reviews within a few days of receiving them.
We also found multiple positive reviews on the BBB. A review left by Paul K. outlined the quick repair turnaround he experienced for his plumbing issue, highlighting that First American’s in-network service provider arranged for a same-day service appointment.
Cinch Home Services is our final pick for Texas home warranties due to its extensive list of standard coverage items and unique perks. For example, Cinch pairs all plans with a $25 credit to purchase air conditioner or refrigerator filters. These items are generally maintenance items, which most home warranties exclude.
While requesting a quote online, we found that Cinch charges higher service call fees than other companies we’ve reviewed. Cinch’s $125 service fee average costs 26% more than the national average of $99.
Cinch also doesn’t offer roof-leak protection. Most home warranty companies we’ve pulled quotes from provide roof-leak coverage as an add-on.
Cinch Home Services offers three protection plans. You can choose from a $100, $125 and $150 service fee. Selecting the highest fee lowers your monthly premium and vice versa.
Cinch has a limited number of add-ons — six in total. Its add-ons range from pool coverage to well pump protection. Based on our quote, expect to pay an extra $13 a month for well pump coverage.
Cinch has an annual coverage limit of $10,000 for all service requests during the policy term. However, Cinch also has individual coverage limits per claim. Cinch’s Appliances Plan sample contract states that Cinch will cover up to $2,000 per appliance repair or replacement. Keep in mind that the annual limit will apply to each claim you file during the policy term.
Cinch also pairs all completed repairs with a 180-day workmanship guarantee — six times longer than the industry standard of 30 days.
Cinch Home Services holds a B rating with BBB. Like other home warranty companies, Cinch also has a low customer rating on BBB — 1.1 out of 5 stars. Most BBB complaints centered on miscommunication from Cinch’s claims department.
However, Cinch holds a customer rating of 3.7 out of 5 stars on Trustpilot. Some customer reviews we read appreciated the simplicity of signing up with Cinch.
Home warranties limit the financial burden of repairing or replacing your home’s appliances and systems. In addition, a home warranty can reduce the hassle of searching for a reputable repair technician, as companies have expansive networks of vetted service providers. Whether you live in rainy Houston or snowy Stratford, companies can tailor your coverage to your specific needs.
Request a quote from at least three home warranty providers to compare coverage options and plan costs to ensure you find the best fit for your Texas home.
BBB, Best Company and Trustpilot reviews are accurate as of January 2024.
Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics.
Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information.
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Overall, 2-10 Home Buyers Warranty is our top choice because of its unlimited workmanship guarantee, low plan premiums and service fees. As a homeowner, you have to deal with the occasional unexpected expense. For a monthly or annual premium, a home warranty can offset the financial burden of repairing or replacing your most-used systems and…
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