While homeowners insurance can cover your belongings and home’s structure in the event of a fire, theft, or natural disaster, it doesn’t cover major systems and appliances that break down due to normal wear and tear. A large appliance breakdown, for instance, may leave you on the hook for hundreds or thousands of dollars in repair costs.
That’s where a home warranty comes in. This protection plan covers repairs and replacements on appliances and systems that unexpectedly break down, giving you peace of mind and preventing you from paying for expensive repair bills out of pocket. To help you find the best home warranty for your home, the This Old House Reviews Team researched the top-rated home warranty companies in Texas and compared them on coverage, plans, and pricing. Keep reading for our top home warranty picks for Fort Worth residents.
Top 3 Home Warranty Companies in Fort Worth
The best home warranty companies in Fort Worth, TX, include:
- American Home Shield: Best for Comprehensive Coverage
- Liberty Home Guard: Best Customer Ratings
- Cinch Home Services: Best Additional Perks
American Home Shield
American Home Shield has over 50 years of experience in the home warranty industry and a network of 17,000 contractors that can help protect your important systems and appliances when they break down due to normal wear and tear. It offers coverage for many of your home’s essential appliances and systems, including water heaters, air conditioners, and ductwork, and it offers coverage plans between $39.99 and $64.99 per month, which is close to the industry average of $40-$60 per month.
American Home Shield offers three different plan options: one that covers only home systems, one that covers home systems and appliances, and a third option that covers all of the items from the other plans plus roof leak repairs and perks like a free HVAC tune-up and unlimited AC refrigerant.
American Home Shield Plans
| Coverage | ShieldSilver™ | ShieldGold™ | ShieldPlatinum™ |
|---|---|---|---|
| Air Conditioner | x | x | x |
| Heating Unit | x | x | x |
| Ductwork | x | x | x |
| Built-in Exhaust, Vent, and Attic Fans | x | x | x |
| Main Breaker and Fuse Panel Box | x | x | x |
| Doorbell and Chimes | x | x | x |
| Interior Electrical Lines | x | x | x |
| Ceiling Fans | x | x | x |
| Garage Door Openers | x | x | x |
| Interior Plumbing Lines | x | x | x |
| Toilets | x | x | x |
| Faucets and Valves | x | x | x |
| Whirlpool Tub Motor and Components | x | x | x |
| Water Heater | x | x | x |
| Refrigerator | x | x | |
| Range/Cooktop | x | x | |
| Oven | x | x | |
| Built-in-Microwave | x | x | |
| Garbage Disposal | x | x | |
| Instant Hot/Cold Water Dispenser | x | x | |
| Laundry Appliances | x | x | |
| Roof Leak Repairs | x |
American Home Shield Prices
American Home Shield offers tiered pricing for all three of its coverage levels, plus add-on prices if you want an item covered that’s outside of your chosen package. If you choose the ShieldSilver plan, for instance, you can pay to have your spa covered for an additional fee of $21.25 per month.
Monthly premiums are not all you can expect to pay for coverage with American Home Shield, though. There’s also a fee for each trade service request, also known as a service call fee, that you make with the company. When you sign up for a plan, you choose from per-visit service fee options of $75, $100, or $125. If you choose a higher service fee, your monthly premiums will be lower, but your monthly premium may increase if you choose a lower service fee. The prices below reflect the $100 trade service fee option.
| Plan | Monthly Premium |
|---|---|
| ShieldSilver | $39.99 |
| ShieldGold | $49.99 |
| ShieldPlatinum | $64.99 |
To get a free quote from American Home Shield, call 844-529-9298 or fill out this simple online form.
Liberty Home Guard
Liberty Home Guard customers can enjoy quick response times to service requests, as the company will typically send a technician to your home within 24-48 business hours of your service request. Liberty Home Guard also offers savings on monthly premiums when you enroll in a multi-year contract. For example, a five-year contract saves you six months’ worth of monthly premiums.
Liberty Home Guard Plans
| Coverage | Appliance Guard | Systems Guard | Total Home Guard |
|---|---|---|---|
| Clothes Washer | x | x | |
| Clothes Dryer | x | x | |
| Refrigerator with Ice and Dispenser | x | x | |
| Built-In Microwave Oven | x | x | |
| Dishwasher | x | x | |
| Garbage Disposal | x | x | |
| Range/Oven/Cooktop | x | x | |
| Ceiling and Exhaust Fans | x | x | |
| Garage Door Openers | x | x | |
| Air Conditioning System | x | x | |
| Heating System | x | x | |
| Ductwork | x | x | |
| Plumbing System | x | x | |
| Electrical System | x | x | |
| Water Heater | x | x |
In addition to these three plans, you can choose from 30 coverage add-ons, including central vacuum, septic system pumping, and well pump coverage.
Liberty Home Guard Prices
Liberty Home Guard’s prices are slightly more expensive than other providers, but with the bulk pricing mentioned above and its low service fee (Liberty charges just $60 per request), Liberty Home Guard may be a good option for those who want pricing flexibility.
| Plan | Monthly Premium | Annual Premium | Two-Year Premium | Three-Year Premium | Four-Year Premium | Five-Year Premium |
|---|---|---|---|---|---|---|
| Appliance Guard | $44.99 | $449.99 | $944.79 | $1,439.68 | $1,934.57 | $2,429.46 |
| Systems Guard | $49.99 | $499.99 | $1,049.79 | $1,599.68 | $2,149.57 | $2,699.46 |
| Total Home Guard | $54.99 | $549.99 | $1,154.79 | $1,759.68 | $2,364.57 | $2,969.46 |
Cinch Home Services
Although Cinch Home Services is a relatively new name in the home warranty space, the company has actually been around for more than 40 years under the name, Cross Country Home Services. Cinch Home Services pulls ahead of the pack for its coverage of pre-existing conditions and other perks like discounts on new appliances and a 180-day guarantee on labor.
Cinch Home Services offers three standard plans, with the option to add on coverage for items such as your pool and septic tank.
Cinch Home Services Plans
| Coverage | Appliances | Built-in Systems | Complete Home |
|---|---|---|---|
| Clothes Dryer | x | x | |
| Clothes Washer | x | x | |
| Cooktop | x | x | |
| Dishwasher | x | x | |
| Food Center (Built-in) | x | x | |
| Freestanding Ice Maker | x | x | |
| Microwave (Built-in) | x | x | |
| Range | x | x | |
| Range Exhaust Hood | x | x | |
| Refrigerator | x | x | |
| Trash Compactor (Built-in) | x | x | |
| Wall Oven | x | x | |
| Air Conditioning Including Ductwork | x | x | |
| Attic Fans | x | x | |
| Ceiling Fans | x | x | |
| Central Vacuum | x | x | |
| Doorbells | x | x | |
| Electrical System | x | x | |
| Garage Door Openers | x | x | |
| Garbage Disposal | x | x | |
| Heating System Including Ductwork | x | x | |
| Instant Hot/Cold Water Dispenser | x | x | |
| Plumbing System | x | x | |
| Smoke Detectors | x | x | |
| Sump Pump | x | x | |
| Toilets | x | x | |
| Water Heater | x | x | |
| Whirlpool/Jetted Tub (Built-in) | x | x | |
| Homeowners Insurance Deductible Reimbursement – $500 | x | ||
| Air Conditioner or Water Filter Credit | x | x | x |
| Water Sensor | x | x | x |
Cinch Home Services Prices
Cinch Home Services charges more for each trade service request than its competitors ($100, $125, or $150 for each technician visit), but its monthly premiums are competitively priced to balance out the costs. The prices below are based on the selection of a $150 service fee.
| Plan | Monthly Premium |
|---|---|
| Appliances Plan | $34.99 |
| Built-in Systems Plan | $39.99 |
| Complete Home Plan | $49.99 |
To get a free quote from Cinch Home Services, call 844-979-0899 or fill out this simple online form.
What Does a Home Warranty in Fort Worth Cover?
While home warranty coverage varies from company to company and from plan to plan, here are the systems and appliances most home warranty plans cover:
| Systems | Appliances |
|---|---|
| Heating System | Refrigerator |
| Air Conditioning System | Standalone Freezer |
| Electrical System | Clothes Washer and Dryer |
| Plumbing System | Stove/Range/Oven/Cooktop |
| Ductwork | Dishwasher |
| Water Heater | Built-in Microwave |
| Garbage Disposal |
Benefits of a Home Warranty in Fort Worth, TX
Home warranties can offer homeowners peace of mind, as they protect basic home appliances and systems when they break down due to normal wear and tear. Home warranties can also help homeowners stick to a monthly budget by helping them avoid large and unexpected system or appliance repair costs. A home warranty also saves homeowners the trouble of finding their own technician for required repair work.
How Much Does a Home Warranty Cost in Fort Worth?
Prices for home warranties will vary based on the company, coverage plan, add-ons, and service call fee you choose, but monthly premiums will generally cost between $35 and $65 per month or $420 to $780 per year. On average, service call fees range from $65 to $125.
Our Conclusion
When considering home warranty options in Fort Worth, American Home Shield is our top pick for its comprehensive coverage and flexible service call fees. When it comes to the best perks, Cinch Home Services stands out for its coverage of pre-existing conditions and 180-day workmanship guarantee. If speed is your prime concern, Liberty Home Guard comes out on top with its quick response times.
We ultimately recommend getting a free quote from all three providers to compare coverage plans and pricing in your area.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.