Home warranties in Texas
RegulatedIn Texas, home warranties are regulated and providers must be licensed. 19 of the companies we track operate here.
Warranty registry plate
Sheet TX · Texas 19 cos. · #4/51
- REG-YES Regulated
- LIC-REQ License required
- RANK-TOP #4/51
- PHOTO-FINISH ±0 cos.
- COST-HIGH ~$525/yr
- DESK-REG Regulator desk
- OWN-MID 62.3% owners
- BOOK-FULL 7/7 fields
Nearest inventory peer: Arizona (+ 0 tracked companies)
Instrument codes from this state’s regulation posture, licensing, inventory rank, peer gap, advertised plan cost, complaint desk, homeownership, and registry book, not a moving recommendation.
Where Texas sits on company inventory
Lowest/highest poles plus states nearest Texas on tracked company inventory. Full ladder: /states.
States near Texas's crowded inventory book
Peer states for Texas ranked by tracked issuer inventory first; advertised plan cost and Census homeownership fill the second column when present.
Similar average annual plan cost
Nearest advertised annual costs ($525 here).
Similar homeownership rate
Nearest Census homeownership rates (62.3% here).
Crowded warranty book
What this means for you: Texas regulates home warranties, so you can escalate an unresolved dispute to a state regulator that can investigate, fine, or revoke a provider's license, generally your strongest recourse.
Consumer protections in Texas
Regulated by Texas Real Estate Commission (TREC). Companies must be licensed. Tex. Prop. Code 1303. Most comprehensive regulation in the U.S. with strict reserve and claims processing requirements.
File a complaint in Texas: https://www.trec.texas.gov/public/complaint-process-rsc
Many companies listed for Texas
| Company | Reliability |
|---|---|
| HomeServe | 96A |
| Old Republic Home Protection | 89A |
| Liberty Home Guard 2 of 3 signals | 88A |
| America's Preferred Home Warranty | 87A |
| AFC Home Club | 79B |
| Cinch Home Services | 74B |
| First American Home Warranty | 73B |
| American Home Shield | 64C |
| Choice Home Warranty | 63C |
| Home Warranty of America | 63C |
| Fidelity National Home Warranty | 62C |
| 2-10 Home Buyers Warranty | 60C |
| ServicePlus Home Warranty | 60C |
| Landmark Home Warranty | 58C |
| Select Home Warranty | 57C |
| First Premier Home Warranty | 54D |
| Total Home Protection | 46D |
| HSA Home Warranty 1 of 3 signals | 30F |
| Porch Home Warranty 1 of 3 signals | 10F |
Ranked by Reliability Score. Availability is based on each company's published service area and may change. Scores blend Better Business Bureau ratings/reviews with Trustpilot scores, see methodology.
Score basis. A Reliability Score normally blends three signals, and a review signal counts once a company has 5 reviews. 3 companies here rest on fewer, so their scores carry less evidence than the rest of the table: Liberty Home Guard: BBB reviews and Trustpilot only (BBB profile not rated); HSA Home Warranty: Trustpilot only (BBB profile not rated, 1 BBB review); Porch Home Warranty: BBB rating only (0 BBB reviews, 2 Trustpilot reviews). How the score is built.
Crowded warranty book
Texas in the crowded inventory third
19 tracked issuers put Texas in the densest third of state inventory (#4 of 51).
Texas is regulated and hosts 19 of the issuers we track (top-third inventory). Homeownership is about 62.3%. Advertised annual plans average around $525. Highest Reliability Score among listed issuers here: HomeServe at 96/100.
Compare the Reliability Score table for issuers listing Texas, then open each company card for plan-tier coverage and BBB/Trustpilot sources.
Population and homeownership figures: U.S. Census Bureau, American Community Survey →. Read our methodology - how this data is sourced and computed. According to PlainWarranty's corpus ranking, Texas ranks #4 of 51 states by tracked home-warranty company inventory. How we place states.
Source: Texas Department of Insurance / Attorney General Home-warranty regulation, licensing, and complaint-filing channel · 2026 State population and homeownership: U.S. Census Bureau, American Community Survey. Company reliability: BBB & Trustpilot.