State guide · TXNo paid placement
Home warranty
in Texas.
Extreme summer heat driving very high air-conditioning load and compressor failures drives the local claim mix. Residential service contracts in Texas are regulated by the Texas Real Estate Commission (TREC) under the Residential Service Company Act.
3 cities coveredRegulated as a service contract3 providers active
Photo · Phil Hearing / Unsplash
Why Texas is different
Residential service contracts in Texas are regulated by the Texas Real Estate Commission (TREC) under the Residential Service Company Act. Companies must be licensed by TREC; the contract is a service agreement, not insurance, and complaints can be filed with TREC.
Source: Texas Real Estate Commission: residential service companies (State regulator, accessed 2026-05)
Coverage-priority context · TX
What breaks in Texas.
Issue 01
Extreme summer heat driving very high air-conditioning load and compressor failures
Issue 02
Expansive clay soils across central and north Texas stressing slab plumbing
Issue 03
Hard water accelerating water-heater sediment buildup and failure
§ 02Best providers in Texas
01
AHS
American Home Shield
Homeowners who want broad systems coverage with the flexibility to lower premiums by accepting a higher service fee.
Score
4.1/5
From
$30/mo
BBB
B
02
FAH
First American Home Warranty
Owners of newer homes who prioritize appliance coverage and want a low, selectable service fee.
Score
3.8/5
From
$37/mo
BBB
B
03
CHW
Choice Home Warranty
Budget-focused homeowners who want predictable low service fees and straightforward plan choices.
Score
3.7/5
From
$46/mo
BBB
B
§ 03By city
City 01
Houston
City 02
Dallas
City 03
Austin
§ 04Common questions for Texas
Are home warranties regulated in Texas?
Residential service contracts in Texas are regulated by the Texas Real Estate Commission (TREC) under the Residential Service Company Act. Companies must be licensed by TREC; the contract is a service agreement, not insurance, and complaints can be filed with TREC.
What is the typical waiting period?
Most plans impose a 30-day waiting period from the contract effective date. A few waive it for a real-estate transaction or when you transfer an existing policy, so a failure that starts before coverage begins is treated as pre-existing and excluded.
Can I buy a plan after something has already broken?
You can buy one, but you will be paying for future protection. An active failure is almost always deemed pre-existing and excluded, so the new contract will not cover the repair you are facing right now.