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Best 6 Home Warranty Companies in Fort Worth, TX

  1. Home
  2. Local Pros
  3. Home Warranty
  4. TX
  5. Fort Worth
Written By Jessica Hurtault|Last Updated: April 18, 2024

Texas homeowners sometimes deal with extreme weather conditions, from days of 100 degrees Fahrenheit in the summer to occasional winter snow. This means that it's important to keep your home appliances and systems in working order. Otherwise, you may find yourself in a stressful and expensive situation.

Investing in a good home warranty plan can provide you with peace of mind if you're a homeowner in Fort Worth, Texas. Below is our list of leading home warranty providers in your area.

Best Customer Ratings
4.5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best for Comprehensive Coverage
4.4
  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
Best Value
4.3
  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

6 Best Home Warranty Companies in Fort Worth

Best for Comprehensive Coverage

American Home Shield

Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options
Plan Name ShieldSilver
Monthly Cost $29.99 – $39.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Doorbell, Ductwork, Electrical, Faucets and Valves, Garage door, Heating system, Main breaker fuse box, Plumbing, Plumbing stoppages, Rekey services, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldGold
Monthly Cost $49.99 – $59.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Refrigerator, Rekey services, Range, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldPlatinum
Monthly Cost $79.99 – $89.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Range, Refrigerator, Rekey services, Roof-leak, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Spa, Septic pump, Well pump

52 Years in BusinessBBB Rating: B
Best Customer Ratings

Liberty Home Guard

Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Plan Name Appliance Guard
Monthly Cost $49.99
Service Fee $65.00 - $125.00
Items Covered

Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Range, Refrigerator, Washer

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Systems Guard
Monthly Cost $54.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Total Home Guard
Monthly Cost $59.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Toilet, Washer, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

6 Years in BusinessBBB Rating: A+
Best Value

Select Home Warranty

Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps
Plan Name Bronze Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Cooktop, Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Stove, Washer

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Care Plan
Monthly Cost $47.75
Service Fee $75.00
Items Covered

Air conditioner, Cooktop, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Stove, Washer, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

11 Years in BusinessBBB Rating: B-
Best for Customization

AFC Home Warranty

Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue
Plan Name Silver Plan
Monthly Cost $42.17 – $47.00
Service Fee $75.00 - $125.00
Items Covered

Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Garage door opener, Kitchen refrigerator, Oven, Range, Stove

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Systems Plan
Monthly Cost $49.42 – $54.25
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Plan
Monthly Cost $56.67 – $61.05
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Garbage disposal, Garage door opener, Heating system, Kitchen refrigerator, Oven, Plumbing, Range, Stove, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Plan
Monthly Cost $61.05 – $66.33
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Attic fan, Built-in microwave, Ceiling fan, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Exhaust fan, Faucets, Garbage disposal, Garage door opener, Heating system, Ice maker, Kitchen refrigerator, Oven, Plumbing, Plumbing stoppages, Range, Stove, Water heater

Add-on Items

Central vacuum, Double oven, Electonics coverage, Hot water dispenser, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

14 Years in BusinessBBB Rating: B
Best Appliance Coverage

First American Home Warranty

Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers
Plan Name Starter Plan
Monthly Cost $47.00 – $67.00
Service Fee $75.00 - $125.00
Items Covered

Built-in microwave, Dishwasher, Ductwork, Electrical system, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms

Add-on Items

Additional refrigeration, Central air conditioning, First American Advantage, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Essential Plan
Monthly Cost $52.00 – $72.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, First American Advantage, Garage door opener, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Premium Plan
Monthly Cost $67.00 – $87.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Central vacuum system, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, Faucets, First American Advantage, Full garage door system, Garbage disposal, Heating system, Instant hot water dispenser, Kitchen range hood, Luxury appliance coverage, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Shower head/shower arm, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater, Window AC unit

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

39 Years in BusinessBBB Rating: B
Cheapest Appliances Plan

2-10 Home Buyers Warranty

Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans
Plan Name Simply HVAC
Monthly Cost $39.70 – $50.20
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Heat pumps, Heating system, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Simply Kitchen
Monthly Cost $22.00 – $31.00
Service Fee $65.00 - $100.00
Items Covered

Built-in microwaves, Cooktops, Dishwashers, Ovens, Ranges, Refrigerators

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Essential Home
Monthly Cost $51.37 – $61.81
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Heat pumps, Heating system, Ovens, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Complete Home
Monthly Cost $51.00 – $60.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Pinnacle Home
Monthly Cost $71.00 – $80.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Clothes Dryer, Clothes Washer, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Supreme Package, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Water softener, Well pump

39 Years in BusinessBBB Rating: A-

*BBB ratings are accurate as of August 2023.

**Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Fort Worth
Average Max Temp:77°F
Average Min Temp:56°F
Average Annual Snowfall:0.7"
Homeownership Rate:71.2%
Median Home Size:2139 sqft
Median Home Price:$307,939

Expert Tips By

This Old House empowers homeowners with the knowledge and tools they need to tackle various projects and navigate the complexities of homeownership.

Are Home Warranties Worth It for Fort Worth Residents?

Home warranties are valuable for Fort Worth residents. Fort Worth summers are very hot, which makes it very important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.

Winters in Fort Worth are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we requested from home warranty companies across the nation.

The regular rain in Fort Worth can damage your roof. Some home warranty companies offer limited roof-leak protection, which can mitigate the cost of roof repair. Finally, home warranties connect you with trustworthy service providers.

Reputable home warranty companies vet all their service providers. If you don't have time to do the research yourself, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

Think about these important factors when selecting your home warranty plan.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. Additionally, you'll pay a service call fee of between $65–$125 whenever you file a claim. Comprehensive home warranties cost more than basic ones, and home systems coverage plans cost more than appliance plans. You can get add-on coverage options, but this will increase your monthly cost—consider your specific needs before committing to a plan.

Coverage

Most home warranty companies can tailor a plan to your needs. Make a list of the systems and appliances that you use often and need covered. If you only need coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
You should also consider coverage limits. Homeowners with older systems or appliances may opt for a provider with higher coverage limits. According to our research, providers with higher coverage caps tend to charge higher premiums.

Exclusions

Generally, home warranties don't cover preexisting conditions or improper installation. Most policies only cover breakdowns from normal wear and tear. Most also exclude appliance components or cosmetic issues, defects, routine maintenance, or theft. You can find your provider's limitations and exclusions in your service contract. Read carefully to ensure you understand your plan's terms and conditions.

Provider Reputation

Look into a provider's reputation before committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Trustpilot, Best Company, and Google Reviews. Reading these reviews gives you an idea of how companies handle claims and customer service. Check with the Texas Attorney General to verify that a provider holds a license with the state.

Contractor Network

Consider a home warranty company's service provider network. Reliable home warranty companies source licensed and registered contractors to fulfill service requests. We suggest asking a provider how and where it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. There may not be any in-network service providers in these areas, so you'll want the option to choose your own.

Frequently Asked Questions About Home Warranty in Fort Worth

Is a home warranty required in Fort Worth?

No, Fort Worth does not require home warranties. However, home warranties are beneficial because they help you maintain a budget to cover expensive system and appliance breakdowns. Home warranty providers also help you save time by sourcing reputable technicians themselves.

What are preexisting conditions?

A preexisting condition is a breakdown or issue experienced by a home system or appliance before your warranty coverage begins. Providers typically don't cover preexisting conditions. Make sure you purchase a home warranty policy while all your systems and appliances are still in working order to ensure full protection.

What is Fort Worth's best home warranty provider?

The best home warranty in Fort Worth depends on what you're looking for. American Home Shield is a good choice for comprehensive coverage limits. You might also consider Liberty Home Guard if you need unique coverage.

Can I get a home warranty that covers other types of home items?

Yes, home warranties cover many types of home items besides common systems and appliances. For example, some warranties cover septic systems, stand-alone freezers, sump pumps, pools and spas, well pumps, and more. Providers typically cover these items as add-ons. Check your provider's sample contract to see what add-ons are available.

Why do home warranties have a waiting period before coverage begins?

Home warranty policies generally don't cover already broken items. Therefore, most home warranty companies have a waiting period of 30 days before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear, not preexisting conditions.

How long does a home warranty typically last?

Most home warranty policies last a year, but some can be slightly longer. You can also renew at the end of your contract.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

More Home Warranty Resources

Sources