Best Home Warranty in Texas

Texas is a big state, so shopping around for home warranties can be stressful. The bottom line is that the top home warranty companies are able to do two things: cover a wide range of home appliances and systems while still offering low premiums and deductibles. To narrow things down even further, you need to compare plans and decide which one is right for you.

Lending Partner
Trade Service Fee
Average Monthly Cost
Premade Plans
Add-on Coverage
  • America’s 1st Choice
    Trade Service Fee:
    $75–$125
    Average Monthly Cost:
    $30–$40
    Premade Plans:
    4
    Add-on Coverage:
    12
  • First American
    Trade Service Fee:
    $75
    Average Monthly Cost:
    $32–$43
    Premade Plans:
    2
    Add-on Coverage:
    5
  • Choice Home Warranty
    Trade Service Fee:
    $85
    Average Monthly Cost:
    $40–$50
    Premade Plans:
    2
    Add-on Coverage:
    10
  • Cinch Home Services
    Trade Service Fee:
    $100-$150
    Average Monthly Cost:
    $20–$40
    Premade Plans:
    3
    Add-on Coverage:
    6
  • American Home Shield
    Trade Service Fee:
    $75–$125
    Average Monthly Cost:
    $30–$50
    Premade Plans:
    3
    Add-on Coverage:
    6
  • Global Home Protection
    Trade Service Fee:
    $75–$100
    Average Monthly Cost:
    $28–$48
    Premade Plans:
    5
    Add-on Coverage:
    8

In this article

    The 3 best home warranty companies in Texas

    Company NamePremiumsDeductibleWhat It Covers
    OneGuard Home WarrantyFrom $30 to $56 per monthFrom $69Covers up to 20 home systems and appliances
    BFS Home WarrantyFrom $31.25 to $58.33$55; zero-deductible plans availableOver a dozen appliances and systems including plumbing and electrical
    Landmark Home WarrantyFrom $35 to $55 per monthFrom $60 to $100Covers more than 17 home systems and appliances

    The 3 best home warranty companies in Texas

    Best for the quote process – OneGuard Home Warranty

    OneGuard Home Warranty, a regional company established in 1990, has a top-notch quote process. On the company’s website, there are helpful charts and sample contracts that clearly outline what’s covered and what’s not. The company also makes it easy to find starting prices for each plan and calculate the cost of any add-ons.

    Trade Service Fee
    $69
    Average Monthly Cost
    $30–$56
    Premade Plans
    3
    SimpleScore
    4.2 / 5.0
    close
    SimpleScore OneGuard Home Warranty 4.2
    Average Monthly Cost 4
    # of Extra Coverage 5
    Support Channels 3
    Trade Service Fees 5
    Number of Pre-Made Plans 4

    OneGuard offers three plans: one that covers appliances, one that covers systems and one comprehensive plan that covers both. Although the appliance plan is cheaper at just $30 a month, it may be worth springing for the comprehensive plan if you can. It covers your dishwasher, refrigerator, plumbing system, air conditioning, heating, electrical and more so your home is completely protected from top to bottom. The deductible is in the average range and starts at $69.

    Best for a low deductible – BFS Home Warranty

    BFS Home Warranty, a company based in Florida, offers some of the lowest service fees out there. When one of your covered appliances breaks, you’ll only have to pay a $55 deductible to get it repaired. Believe it or not, some companies charge more than double that, so it’s definitely a good deal.

    Trade Service Fee
    $55
    Average Monthly Cost
    $25–$58.33
    Premade Plans
    3
    SimpleScore
    4.2 / 5.0
    close
    SimpleScore BFS Home Warranty 4.2
    Average Monthly Cost 4
    # of Extra Coverage 5
    Support Channels 3
    Trade Service Fees 5
    Number of Pre-Made Plans 4

    BFS offers a few different plans: basic, deluxe and premium. The basic plan starts at $31.25 a month, making it an affordable option that still offers good coverage. A wide range of home systems and appliances are covered including electrical, plumbing, garbage disposals, dishwashers, ovens and more. However, if you want even more protection and no deductible, you can spring for the premium plan, which costs $58.33 a month before add-ons.

    Best for immediate comprehensive coverage – Landmark Home Warranty

    The deductible is a bit high for this plan, though, and ranges from $60 to $100, but unlike other home warranties, Landmark’s plans won’t leave you unprotected for a month after sign-up, and they come with many more options than most companies offer — like pest control.

    Trade Service Fee
    $60–$100
    Average Monthly Cost
    $35–$55
    Premade Plans
    2
    SimpleScore
    4 / 5.0
    close
    SimpleScore Landmark Home Warranty 4
    Average Monthly Cost 4
    # of Extra Coverage 5
    Support Channels 4
    Trade Service Fees 4
    Number of Pre-Made Plans 3

    Most home warranties don’t take effect for a whole month, leaving you without coverage even after you’ve signed up. If you want peace of mind from day one, not day 30, then you should go with Landmark Home Warranty.

    Landmark offers two different levels of coverage: a basic plan that only covers home systems like air conditioning and a total protection plan that covers your home systems and major appliances. The basic plan costs $35 per month and the premium plan costs $55 per month. Both take effect immediately and include special extras like pest control and termite treatment.

    What is a home warranty?

    Home warranties are service contracts that help to cover the costs of repairs and replacements for your home’s covered systems and appliances. For example, if your fridge or air conditioner burns out and your warranty covers it, you can simply make a call, pay a deductible and have it repaired or replaced within a few days. This makes home maintenance much more manageable.

    There are limits to how much home warranties will cover, though. Many plans have an annual reimbursement limit and won’t cover appliances that are poorly maintained or have failed before. Moreover, your home warranty plan probably won’t reimburse you if you accidentally damage one of your appliances or home systems. Plans typically only cover damage due to normal wear and tear, so it’s important to read home warranty contracts carefully as coverage, limits and exceptions vary from one provider to the next.

    How should I choose the best home warranty?

    Before choosing a home warranty from a local company, there are a few things you should think about.

    “I believe the most important factor to consider is the financial capacity of the home warranty company to pay for repairs. There are some local home inspectors that offer home warranties. However, most of them do not have the financial capacity to pay if the costs are high,” John Myers, real estate agent and qualifying broker at Myers and Myers Real Estate, said.

    Look for well-established companies with good reputations.

    “Additionally, consider the cost of the home warranty, if there is a deductible, and what’s covered. I know this will sound boring, but you need to shop around and actually read the warranty end to end,” Myers said.

    Methodology

    SimpleScore

    The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

    For every review, our editorial team:

    • Identifies five measurable aspects to compare across each brand
    • Determines the rating criteria for each aspect score
    • Averages the five aspect scores to produce a single SimpleScore

    Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best home warranty companies of 2020.

    Why do some brands have different SimpleScores on different pages?

    To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

    However, it’s also possible for brands to have multiple SimpleScores. For example, when we apply our methodology to Chase’s stock trading product, it scores a 3.6 out of 5. On the other hand, when we compare Chase checking accounts, it scores a 4.4 out of 5. this is because we each criterion for every category is different to account for different industry standards and product offerings.

    Questions about our methodology?

    Email Hayley Armstrong at hayley@thesimpledollar.com.

    Average monthly cost

    Many home warranty companies advertise a range of monthly costs for their home warranty plans. We took the average of these costs and assigned SimpleScore aspects based on the amount.

    Add-on coverages

    Home warranty usually just covers kitchen appliances and HVAC systems. However, homes have so much more than that. We gave higher scores to home warranty companies that offer a variety of add-ons to home warranty coverages, such as pool, washer/dryer, guest houses and more.

    Customer support

    When it’s time to file a home warranty claim or homeowners have questions, how can they contact support? The SimpleScore rewards home warranty companies with more channels of customer support.

    Trade service fee

    Much like a deductible, a trade service fee is the fee homeowners pay for each service call. The lower the service fee, the higher the score that the brand gets. If the trade service fee was a range or differed among plans, we took an average of the fees advertised.

    Number of pre-made plans

    Sometimes it’s just easier to pick a package and get your home warranty coverage started. That’s why we awarded companies with more premade plans higher scores.

    Jessica Walrack

    Contributing Writer

    Jessica Walrack is a personal finance writer at SuperMoney, Interest.com, The Simple Dollar, and PersonalLoans.org. She specializes in taking personal finance topics like loans, credit cards, and budgeting, and making them accessible and somewhat fun.