HOME of Texas

What HOME of Texas does

HOME of Texas, founded in 1980, is a private warranty administrator and risk management provider serving Texas home builders, remodelers, and homeowners. The company issues insured new home warranties backed by Western Pacific Mutual Insurance Company (WPMIC), a Risk Retention Group rated A- (Excellent) by A.M. Best since 2001, covering workmanship and materials (1 year), mechanical systems (2 years), and major structural components (6 or 10 years). Its core product suite includes HB 2024-compliant 6-year warranties, traditional 10-year warranties in MSD and DSE structural standards, specialty warranties for remodelers and detached garages, an Administration Only option for self-insured builders with 50+ annual homes, and Key Estates extended warranties distributed through real estate professionals. Complementary commercial insurance (General Liability, Builder's Risk, Contractors' Equipment) is offered through the RWC Insurance Advantage program exclusively to members.

The company operates Warranty Express, a proprietary online enrollment and membership management system that enables builders to enroll homes, generate state affidavits, process payments, and access reports, alongside secure file upload portals and an online claim submission system. Disputes are handled through free mediation, with approximately 95% of issues resolved before escalation to binding arbitration. The company functions as the Texas node of a multi-brand warranty network that includes Residential Warranty Company (RWC) for national operations, MHWC for HUD-Code manufactured homes, and Key Estates for extended warranties, with the network collectively administering warranties on over 4 million homes.

Revenue is generated through a combination of $295 annual builder membership fees, transaction-based warranty premiums calculated per $1000 of final sales price, flat-fee extended warranty products, and insurance premiums/commissions from the RWC Insurance Advantage program. Distribution is multi-channel: dedicated Texas field sales (account executives), self-service online enrollment, phone and email support, and a real estate professional channel for Key Estates. The company is led by CEO Steve Halaas and has been under the same ownership since 1992, with operations concentrated in Texas and administrative headquarters in Harrisburg, Pennsylvania.

Name

HOME of Texas

Legal name

HOME of Texas

Website

https://homeoftexas.com

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

101–250 employees

Short description

HOME of Texas, founded 1980, is a private Texas warranty administrator providing insured new home warranties (6- and 10-year), specialty coverage, and commercial insurance to home builders, remodelers, homeowners, and real estate professionals underwritten by an A- rated carrier.

Ownership category

akta.pro rank

Product category

Home Warranty Services

SIC

Services-Miscellaneous Repair Services (7600)

akta.pro primary industry

Home Warranty / Residential Service Contracts (Systems & Appliances) (FSAJALAG)

akta.pro secondary industries

Homeowners Insurance (FSAJACAA), Appliance & Major Home Equipment Protection Plans (FSAJALAI)

Keywords

• Home warranty services
• New home warranties
• Builder membership programs
• Structural defect coverage
• Warranty administration

Headquarters

HQ city

Harrisburg

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Builder Membership Fees: Annual registration fee of $295 for builder membership in the HOME warranty program. Provides access to all warranty products, online tools, and member benefits.
2. New Home Warranty Premiums: Rate per $1000 of Final Sales Price for warranty coverage. Pricing varies by warranty type (6-year, 10-year MSD, 10-year DSE, Enhanced) and coverage level selected. Paid at home enrollment through Warranty Express.
3. Administration Only Warranty: Flat fee per home for builder-backed warranty administration option. Builder self-insures while utilizing HOME's written warranty standards and resolution processes.
4. Key Estates Extended Warranties: Flat fee based on coverage selected for extended warranties on appliances, mechanical systems, and structural components. Real estate professionals may earn fees for marketing and administration.
5. RWC Insurance Advantage: Commercial insurance products (General Liability, Builder's Risk, Contractors' Equipment) available exclusively to HOME members through the RIA program.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

HOME of Texas administers insured new home warranty programs for Texas home builders and remodelers, offering 6-year HB 2024 compliant and 10-year coverage for workmanship/materials, mechanical systems, and major structural components (MSD or DSE). It operates Warranty Express, a proprietary online enrollment and membership management platform, and provides free mediation-based dispute resolution. Through affiliates Key Estates Warranty and RWC Insurance Advantage, it also delivers extended appliance/system warranties for resale and new homes, plus commercial general liability, builder's risk, and contractors' equipment insurance exclusively to builder members.

Product overview

HOME of Texas provides a portfolio of insured and admin-only new home warranty programs for Texas builders, anchored by its core 6-year and 10-year New Home Warranty products. The company operates Warranty Express, a proprietary online enrollment and membership management platform. The product suite spans specialty warranties (Remodeler, Detached Garage), Building System Warranties for modular/log/panelized homes, HUD-Code Warranties through affiliate MHWC, an Administration Only (builder-backed) warranty option, and Key Estates Extended Warranty for appliances, systems, and structural coverage on existing homes. RWC Insurance Advantage offers complementary commercial insurance products (General Liability, Builders' Risk, Contractors' Equipment) exclusively to HOME members. All programs include a dispute resolution process with free mediation and binding arbitration. The company is insured by Western Pacific Mutual Insurance Company (WPMIC), a Risk Retention Group rated A- by A.M. Best.

Differentiator

Problem solved

Functional benefit

Brands

• Key Estates Warranty: Extended warranty program for appliances, mechanical systems, and major structural components for resale homes and new homes, administered by USHP, LLC
• MHWC
• RWC Insurance Advantage

Products and services

• HOME of Texas New Home Warranty Insured written warranty program for Texas builders covering new-construction homes, with 6-year and 10-year structural coverage terms and Major Structural Defect (MSD) and Designated Structural Element (DSE) structural options. Provides third-party warranty backing that satisfies FHA/VA financing requirements and reduces builder liability.
• Specialty Warranties Warranty coverage for Remodeler projects, additions, and detached garages, offered with 1-5 year terms through HOME of Texas and affiliate Residential Warranty Company (RWC). For builders and remodelers seeking insured written warranty coverage on projects outside full new-home construction.
• Building System Warranties Warranty coverage for modular, log, and panelized home manufacturers, distributed through affiliate Residential Warranty Company (RWC), with 1-10 year coverage terms. For factory-built and component home builders requiring insured warranty administration.
• HUD-Code Manufactured Home Warranties Warranty programs for HUD-Code manufactured housing Builder/Dealers and Manufacturers, administered through affiliate MHWC and covering all U.S. states except Alaska and Hawaii. For manufactured housing industry participants seeking insured warranty compliance.
• Administration Only Warranty Flat-fee warranty administration program that allows builders to self-insure while leveraging HOME's written warranty standards, mediation, and arbitration processes. Available to builders enrolling 50 or more homes annually; not available in the Dallas-Fort Worth area.
• Key Estates Extended Warranty Extended warranty program covering appliances, mechanical systems, and structural components on resale and newly built homes, administered by affiliate USHP, LLC and distributed through real estate professionals. For homeowners and resale/new-home buyers seeking post-closing protection.
• RWC Insurance Advantage Commercial insurance program offering General Liability, Builders' Risk, and Contractors' Equipment coverage exclusively to HOME and RWC builder members. Provides bundled commercial coverage alongside warranty administration through a single membership relationship.

Quantifiable outcome

• 95% of warranty dispute issues are resolved through HOME's FREE Mediation procedures
• +2 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Residential Warranty Company, LLC (RWC)coreStrategic or Co-development PartnerNational affiliate providing warranty programs for builders outside Texas. Together with RWC, HOME has warranted over 4 million homes. RWC offers Building Systems Warranties for modular, log, and panelized homes, as well as Detached Garage Warranties.
• MHWC (Manufactured Housing Warranty Company)coreStrategic or Co-development PartnerHUD-Code Housing Affiliate providing warranty programs specifically for manufactured homes. Offers Builder/Dealer and Manufacturer warranties for HUD-Code homes in all states except AK & HI.
• Western Pacific Mutual Insurance Company, A Risk Retention Group (WPMIC)coreStrategic or Co-development PartnerInsurer for HOME of Texas warranty programs. Rated A- (Excellent) by A.M. Best. Only insures home warranty and similar new home construction risks. Warranty obligations transfer from builder to WPMIC in final years of warranty term.
• Key Estates WarrantycoreStrategic or Co-development PartnerExtended warranty affiliate administered by USHP, LLC. Provides coverage for appliances, mechanical systems, and structural components in resale and new homes. Real estate professionals can enroll homes and earn fees for administration.
• RWC Insurance AdvantageminorStrategic or Co-development PartnerCommercial insurance program offering General Liability, Builder's Risk, and Contractors' Equipment insurance exclusively to HOME and RWC builder members. Insurer rated A- (Excellent) by A.M. Best.
• National Association of Home Builders (NAHB)minorGTM or Marketing PartnerNational trade association membership providing industry networking and credibility. HOME participates in NAHB events and initiatives.
• Texas Association of Builders and Regional AssociationsminorGTM or Marketing PartnerState and regional builder associations including Home Builders Association of Greater Austin, Greater Houston Builders Association, Builders Association of Greater San Antonio, and other local associations across Texas.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Key Estates Warranty (USHP, LLC): Direct affiliate of HOME of Texas offering extended warranty products for appliances, mechanical systems, and structural components on resale and new homes. Comparable in coverage tiers, service-fee structure, and real estate professional channel.
• StrucSure Home Warranty (formerly 2-10 Home Buyers Warranty): One of the largest US providers of insured new home structural warranties for builders, with similar 1-2-10 coverage architecture. Directly comparable in serving residential builders, FHA/VA compliance, and structural-defect protection.
• Choice Home Warranty: National home warranty provider offering coverage for systems, appliances, and optional structural add-ons for resale homes. Comparable in extended warranty product positioning and real estate professional distribution model.
• MHWC (Manufactured Housing Warranty Company): Direct affiliate of HOME of Texas providing HUD-Code manufactured home warranties nationwide. Comparable in warranty administration, builder financial screening, and structural coverage, but serves a distinct manufactured-housing customer segment.
• Home Warranty of America (HMS National): Provider of home warranty products for both new construction and resale, with builder and real estate distribution. Comparable in coverage tiering, claim administration, and channel partner economics.
• Residential Warranty Company (RWC): National affiliate warranty administrator offering the same insured new home warranty products as HOME of Texas outside Texas. Directly comparable in product structure, insurer backing (WPMIC), and target market (builders of single-family, modular, log, and panelized homes).

Emerging players

• Liberty Home Guard: Growing national home warranty provider with a tech-forward platform competing on consumer UX. Comparable in extended systems/appliances coverage and real estate channel; an emerging threat to incumbents on technology and pricing.

Broad incumbents

• Old Republic Home Protection: Established home warranty carrier offering both new construction and existing home coverage. Backed by Old Republic International, providing comparable insured warranty products through builder and real estate channels.
• First American Home Warranty: Division of First American Financial offering home warranty products including new construction and resale coverage. Broad incumbent with national footprint, overlapping product lines, and similar real estate distribution partnerships.
• American Home Shield: Largest US home warranty provider offering systems and appliances coverage for existing homes; competes with HOME's Key Estates extended warranty line. Broad incumbent with national scale, heavy consumer marketing, and real estate channel presence.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/home-of-texas

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about HOME of Texas