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Audited & Verified: Jun 10, 2025, 4:20pm
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| Staff EditorOpting for a home warranty in Texas can help save on your repair costs and get your systems repaired quickly. But how exactly do you pick the best home warranty company? Forbes Home has done much of the heavy lifting, conducting a thorough analysis of multiple companies, scoring them on dozens of factors. We also surveyed 1,800 home warranty customers—including those in Texas—to get their insights on their specific home warranty companies and how they feel about the industry generally.
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. You can read more about our editorial guidelines and the home warranty companies’ methodology for the ratings below.
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
We evaluated and compared the ratings and costs of our top home warranty companies across multiple criteria, including service fees, plans and coverage, add-ons covered, years in business, and customer reviews and experiences.
| COMPANY | FORBES HOME RATING | MONTHLY FEES | BEST FOR | LEARN MORE |
|---|---|---|---|---|
 4.8   | $49.99 - $59.99 | Best Overall | On Liberty Home Guard's Website | |
| 4.6  | $41.83 - $95+ | Best Plan Selection | On AFC's Website | |
| 4.6 | $29.99 - $79.99+ | Best Coverage Limits | On American Home Shield's Website | |
| 4.4 | $39.99 - $74.99+ | Best Service Fee Pricing | Read Forbes' Review | |
| 3.5  | $35.99+ | Best Repair Guarantee | On Cinch's Website |
Explore our top picks for the best home warranty providers in Texas of 2025 with in-depth reviews, plans and pricing options, unique customer sentiment feedback scores and NPS provider survey results.
Best Overall
Best Overall
Liberty Home Guard
Liberty Home Guard is an ideal choice for Texas residents who value customizable home warranty plans. It offers 25 add-on coverage options for those who want to protect every major area in their home. Additionally, Liberty maintains fairly positive customer sentiments.
Learn more: Liberty Home Guard review
We picked Liberty Home Guard because of its commitment to flexible service that covers multiple bases. Customers can access three plans: Appliance Guard, Systems Guard and Total Guard. Customers can also work with the repair technician of their choice, which is a plus.
Why We Like It
Though it’s not the most extensive, we appreciate Liberty’s 60-day workmanship guarantee, which assures customers that their appliance repairs are covered. We are also impressed by the number of add-on protections available. This allows homeowners to create a unique package that works well for them.
What We Don’t Like
While Liberty does allow homeowners to choose their technician, the practice isn’t encouraged. We also don’t like that the company may require customers to show proof of repairs to receive claim benefits. Texas residents are also capped at a yearly maximum of $2,000 for air conditioner maintenance, which could prove incredibly inconvenient due to the high temperatures common in Texas.
Who It’s Best For
Liberty Home Guard is best for customers who want a company that will respond to them quickly and address service concerns and complaints. Homeowners who value customization are also likely to appreciate a warranty from Liberty Home.
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
Customers share mixed sentiments about Liberty Home Guard. Positive feedback mentions company reps who were polite, well-informed and thorough. Assistance was timely as well. Less-than-favorable customer reviews reference unexpected claim denials, long wait times for service and a lack of coverage when it was necessary. Overall, a large faction of customers were not happy with the service they received from Liberty.
The company has three home warranty plans in Texas, including one focused on appliances, one focused on systems and another that combines both into one 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 |
Best Plan Selection
Best Plan Selection
AFC Home Warranty
Texans who choose AFC Home Warranty will have some of the most comprehensive coverage available. Four plans are available for purchase, covering everything from appliances to systems to various combinations of both.
Learn more: AFC Home Warranty review
AFC Home Warranty is on the list because it allows customers to choose the best plan for them. Service fees are moderate, but with monthly prices starting at about $40, customers can rest assured they won’t have to sacrifice their savings to have home warranty coverage. AFC even allows its customers to choose their own technicians instead of using those selected by the company.
Why We Like It
We like how easy it is to create a unique coverage plan with AFC Home Warranty while staying within budget. One of the most appealing features of this company is that customers can opt into a month-to-month contract instead of a yearly one, which allows for more flexibility.
What We Don’t Like
We appreciate that AFC allows customers to operate on a month-to-month coverage system. However, we’re not fans of the $75 cancellation fee if you choose to stop service. It’s also important to note that every repair will incur a $125 service charge.
Who It’s Best For
Customers who understand what they want and need from a home warranty company will likely enjoy AFC since they’ll receive thorough coverage at a relatively reasonable rate.
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
Another company with a wide range of feedback, AFC Home Warranty has many customers with a variety of opinions. Negative company commentary mentions how difficult it is to get a claim approved and receive proper repair reimbursements. Some customers suggest the company is intentionally deceptive to avoid covering more dated appliances and home systems. Even customer service has been called into question, with many feeling that company reps leave much to be desired regarding professionalism. There are customers with positive feedback, though. They mention that the signup process is easy and the internal team is knowledgeable.
AFC Home Warranty has four plans to choose from, which is more than most companies offer. The Silver plan focuses on appliances, while the Gold plan adds in some systems coverage. The Platinum plan adds on even more items, including ductwork and the Diamond plan ups your total coverage and includes things like smartphone coverage.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Silver Plan | $41+ | $75 - $125 |
Gold Plan | $55+ | $75 - $125 |
Platinum Plan | $64+ | $75 - $125 |
Diamond Plan | $95+ | $75 - $125 |
Best Coverage Limits
Best Coverage Limits
American Home Shield
American Home Shield is a well-known name in the home warranty field. The company offers competitive pricing, three plans to suit those with varying budgets and generous coverage limits for covered items.
Learn more: American Home Shield review
We picked American Home Shield, in part, because the higher-than-average coverage limits are enticing for many customers. Service fees for individual visits may be higher (coming in at either $100 or $125), but Texas residents have an adequate payoff. In return for higher service call rates, for example, customers have a coverage maximum of $5,000 for air conditioning systems and $4,000 for other general appliances, depending on which plan the homeowner selects.
Why We Like It
We like the high coverage limits offered to customers and the ability to choose one’s preferred licensed contractor or technician.
What We Don’t Like
American Home Shield doesn’t offer an appliance-only coverage option, which could be disappointing for many homeowners.
Who It’s Best For
People who don’t mind paying extra for specific services will likely enjoy American Home Shield. It is also a good option for renters, condominium owners and more.
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
American Home Shield received some positive customer feedback, but many homeowners who use this warranty company report feeling dissatisfied with the service. Some of the most common complaints mention claims that take too long to be reimbursed or resolved, customer service that leaves much to be desired and subpar company technicians. Many homeowners consider the service they received to be inconsistent overall. Satisfied customers, however, like how promptly they receive service and even mention that the quality of repairs they’ve received has been exemplary.
American Home Shield offers three plans, all of which combine systems and appliance coverage. The first, ShieldSilver, covers 14 systems and appliances, including AC coverage. The next, ShieldGold, adds kitchen and laundry appliance coverage and ShieldPlatinum gives you a $4,000 appliance cap.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Best Service Fee Pricing
Best Service Fee Pricing
ARW Home
ARW Home offers Texas homeowners comprehensive coverage, a simple pricing structure and affordable service fees. Additionally, the company operates in all 50 states, has three plans for purchase and can be a viable option for homeowners with various budgets.
Learn more: ARW Home review
We picked ARW Home because it offers customers the best warranty coverage at a great price. Those who want an appliance-only plan can elect that and pay about $40 for service. Homeowners who prefer a premium plan can pay $65 per month for additional coverage. And finally, those who need top-of-the-line service and want coverage for even more unique items like plumbing protection are looking at a monthly rate starting at $75.
Why We Like It
We like that ARW Home has fair pricing depending on what appliances and home systems need coverage. If you want entire-house coverage, you can go that route. But keeping a more basic plan is also an option. ARW Home’s service fee is also noteworthy at $55, one of the best prices in the industry.
What We Don’t Like
ARW Home is ideal for many reasons, but we don’t like that certain home systems aren’t covered based on where you live. For example, Texas customers do not qualify for pool coverage unless they have the most expensive plan. There is also a $500 coverage limit for refrigeration.
Who It’s Best For
ARW Home is best for customers who appreciate using their own technicians for systems repairs and value a lower service fee.
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
Customers have both positive and negative feelings about ARW Home. Reviews mention poor customer service, confusing claim coverages and complications with policy cancellations. More favorable reviews report positive customer representative interactions, though. Satisfied customers also experience quick repair periods.
ARW Home offers three plans: One focused on kitchen appliances and systems, one covering basic appliances and systems like HVAC, water heaters and refrigerators and a top plan that adds even more coverage on things like humidifiers and ductwork.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | $55+ |
Platinum | $64.99+ | $55+ |
Platinum Premier Plan | $74.99+ | $55+ |
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 Repair Guarantee
Best Repair Guarantee
Cinch Home Services
Cinch Home Services offers quick repair and response times, flexible and dependable service and three different plans that can work for multiple types of homeowners. With more than 45 years of experience in the home industry, homeowners can depend on Cinch for solid service.
Learn more: Cinch Home Services review
We picked Cinch Home Services because it allows Texas homeowners to craft the best coverage for their needs. In fact, the company is so sure of its quality of service that it has a 180-day workmanship guarantee for all covered items. That’s six months of knowing that if anything goes wrong after a Cinch technician makes a repair, that appliance or system will be covered.
Why We Like It
Cinch Home Services prioritizes customer satisfaction. It is committed to fast response times and knowledgeable company reps and technicians. It promises that all claims are scheduled within 24 hours of receiving a customer request.
What We Don’t Like
We don’t like that Cinch customers aren’t allowed to choose their technicians. The company doesn’t offer discounts for yearly lump sum payments, either, which makes it less competitive with other top Texas home warranty companies. In addition, Cinch has an arguably high service fee of $150.
Who It’s Best For
Customers who can afford the $150 service fee without going over budget and who need an extended home warranty will likely find Cinch Home Services a great fit.
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
Cinch Home Services has received a variety of reviews. Complaints are quite common, though, with some customers reporting that representatives are unhelpful and confusing at best and unqualified at worst. The claims process has also faced scrutiny for being frequently delayed. Other customers mentioned that they experienced outright claim denials that left them without appliances.
With Cinch, you can opt for a plan focused on appliances, systems, or a combination of both coverages.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliances | $35.99+ | $100 - $150 |
Built-In Systems | $35.99+ | $100 - $150 |
Complete Home | $45.99+ | $100 - $150 |
Those living in Texas can expect to pay an average annual amount of $600 for home warranty coverage. Service fees for each call, however, often cost between $55 and $150. The average cost for a home warranty nationwide typically ranges from $275 to $1,425.
After surveying a selection of Texas-dwellers with various home warranty plans, we found that they required home warranty services about twice a year. Accordingly, they pay about $110 to $450 for service fees.
Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
Whether you have an older home with new features or an older one, your appliances and systems may eventually need repair or replacement. That’s where a home warranty comes in. If you’re looking for a home warranty in Texas specifically, these best practices will ensure that you find the best one for your home.
Not every home warranty will offer the same level or type of coverage. The age of your home, appliances and systems should be the main factors when selecting a plan. Be wary of companies that don’t offer coverage for the exact items on your must-cover list: You may find that the more pricey home warranty plans with extravagant add-ons might not cover the appliances you need. More coverage isn’t always better.
However, if you need coverage for a rare or unique home situation, be prepared to pay more.
Texas has a climate that’s rather unique, so finding a home warranty plan that caters to your home’s specific needs is imperative. The weather can be temperamental, for example, so a home warranty that provides adequate HVAC coverage is essential. If you have fixtures like pools or outdoor kitchens, you may also want to ensure those are covered.
Reviews will help immensely when it’s time to narrow down your Texas home warranty shortlist. Customer commentary from locals near you can provide insight into the service technicians’ skills, how knowledgeable the warranty company reps are and more. Pro tip? Start with platforms like Nextdoor, Thumbtack and Yelp. They’ll likely be able to offer insight into the companies’ customer relations.
Read sample home warranty contracts to get familiar with the language and fine print before you commit to a warranty plan. Forbes Home recommends reviewing what exactly is covered by the companies you’re considering, taking special consideration of coverage limits and policy pain points. This is especially helpful because some companies may purport to offer certain services, but further contract research will reveal that the policies in question only handle one facet of the repair.
Find the top ranked home warranty company in your area
Home warranties can protect you against unexpected expenses. Click on your state today to find out more.
The Texas Department of Licensing and Registration (TDLR) and the Service Contract Industry Council (SCIC) both regulate home warranty policies in the Lone Star State.
The TDLR requires both financial stability and adequate claim resolutions from licensed home warranty providers. Not being able to meet those standards can result in a company losing its accreditation. Annual business audits are also conducted by this agency. Warranty companies must also ensure that the following areas are regulated:
Living and owning property in Texas comes with a unique set of requirements, especially during inclement weather periods. So when you’re searching for a Texas home warranty, make sure you find a plan that caters to your refrigeration, air conditioning and roofing. You may also need to look for a plan that covers pools and water systems, as many Texas locals are pool owners.
The following table ranks the top Texas home warranty companies by coverage limits and options.
| LIBERTY HOME GUARD | AFC HOME WARRANTY | AMERICAN HOME SHIELD | ARW HOME | CINCH HOME SERVICES | |
|---|---|---|---|---|---|
| Limit for AC coverage | Up to $2,000 | Up to $3,000 | Up to $5,000 | Up to $5,000 | Up to $1,500
|
| Limit for refrigeration coverage | Up to $2,000 | Up to $3,000 | Up to $4,000
| Up to $500 | Up to $2,000 |
| Pools covered? | Yes | Yes | Yes | Yes | Yes |
| Roof protection available?
| Yes | Yes | Yes | No | No |
| Septic system covered?
| Yes | Yes | Yes | No | Yes |
We recently surveyed 1,800 home warranty customers and found insights from across the country, including the Southwest and Texas. Below are some of the top home warranty insights we gathered from the region:
If you’re located outside of the Lone Star State, don’t worry: There are a plethora of other home warranty companies to choose from. Choose your state for access to the top choices near you.
Best Home Warranty Companies By State
To determine the best home warranty companies, the Forbes Home editorial team analyzed 52 companies across 60 different attributes, as well as over 70,000 unique reviews through our Consumer Sentiment Analysis.
You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.
Compare Quotes From Top-rated Home Warranty Companies
Home warranties can protect you against unexpected expenses. Receive a custom quote today.
The standard home warranty cost for a Texas property depends on the exact plan you choose as well as any add-ons. However, a home warranty costs between $300 and $1,500 per year in Texas. Homeowners in the Lone Star State should expect to shell out around $600 yearly, with service fees ranging between $55 and $150 per claim.
No, a home warranty is not required in Texas, nor in any state. Home warranties are different from homeowners insurance policies, which are typically required to get mortgages.
Again, these will vary depending on your chosen plan. Most home warranty deductibles are outlined in your contract and can cost anywhere from $75 to $150. These deductibles are flat fees that you have to pay before the technician can help with the issue.
Lowe Larretta is former lead editor for Forbes Home, covering all things related to home improvement and good design. She previously worked in the decor and lifestyle spaces for digital publishers such as Hunker, First Media and Ranker and has multiple years of experience creating design and DIY content.
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.
