Home warranties in Texas
RegulatedIn Texas, home warranties are regulated and providers must be licensed. 19 of the companies we track operate here.
State regulation snapshot
In Texas, home warranties are regulated and providers must be licensed. 19 of the companies we track operate here.
According to PlainWarranty's corpus ranking, Texas ranks #4 of 51 states by tracked home-warranty company inventory. Companies below are sorted by Reliability Score among issuers listing Texas in their published states_available inventory. Regulation status is state statute, not a PlainWarranty grade; see /methodology#corpus-placement.
Regulated
Regulatory status
Required
Provider licensing
19
Companies available
62.3%
Homeownership rate
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
Most reliable companies available in Texas
Reliability Score (0–100) - top 12 of 19 available
Companies available in Texas
| Company | Reliability |
|---|---|
| HomeServe | 96A |
| Old Republic Home Protection | 89A |
| Liberty Home Guard | 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 | 30F |
| Porch Home Warranty | 10F |
Ranked by Reliability Score. Availability is based on each company's published service area and may change.
Home warranties in Texas: what to know
Texas is regulated for home-warranty contracts, which shapes the recourse you have if a claim is wrongly denied. With a homeownership rate of 62.3% across roughly 30,503,301 residents, it is served by 19 of the companies we track. Advertised annual plan costs here are around $525 (an estimate that varies by company, plan tier, and home size).
What matters most when choosing a plan (general advice)
For homeowners choosing a plan in Texas, what matters most is whether the provider is licensed or registered here, the company's independent reliability (BBB rating and reviews, Trustpilot score), and whether a state-level complaint channel exists if a dispute stalls. A plan sold cheaply in an unregulated state often offers weaker recourse than the same plan in a regulated one, even with identical contract language. Compare the available companies above, then read the per-company pages for coverage and pricing detail.
Population and homeownership figures: U.S. Census Bureau, American Community Survey →. Read our methodology - how this data is sourced and computed.
Related
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.
Every figure on PlainWarranty is rendered directly from BBB, Trustpilot, and state regulatory data, no number is typed in by an editor. This page draws directly on BBB, Trustpilot, and state regulatory data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.