7 Best Home Warranty Companies In Chattanooga, TN
If you're looking for the right home warranty plan for your Chattanooga home, we can help you choose.
Having a home in Chattanooga can be expensive. With the cost of living slowly rising, having to repair or replace your appliances can really eat into your savings.
Compare the Best Home Warranty Companies in Chattanooga
There are more than sixty home warranty providers in the Chattanooga area. At Review Home Warranties, we considered each of these companies and ranked them based on the policy's features. The workmanship guarantee, monthly costs, years in the industry, customer service reviews, and service fees were all analyzed to choose the very best home warranties in the Chattanooga area. Here are the rankings for the top home warranties in Chattanooga.
| Company Name | Choice Home Warranty | Liberty Home Guard | American Home Shield | |||
|---|---|---|---|---|---|---|
| Number of Plan Options | 2 | 3 | 3 | |||
| Monthly Plan Cost | $45.00 - $53.33 | $69.99 - $79.99 | $29.27 - $74.27 | |||
| Better Business Bureau Rating | B | A | B | |||
| Reviews | Reviews | Read Choice Home Warranty Reviews | Reviews | Read Liberty Home Guard Reviews | Reviews | Read American Home Shield Reviews |
Home Warranty Companies In Chattanooga
- Choice Home Warranty: Best Overall
- Liberty Home Guard: Most Trustworthy
- American Home Shield: Most Customizable
- Select Home Warranty: Most Cost-Effective
- First Premier Home Warranty: Best Coverage
- First American Home Warranty: Best Appliance
- Cinch Home Services: Best Workmanship Guarantee
Chattanooga's Top Home Warranty Companies'
- Pros:
- Over 10 years of experience
- 24/7 customer service team
- Home inspections aren’t required
- 90-day repair guarantee
Choice Home Warranty is the best option for homeowners who want the best overall in Chattanooga. The 2 plans from Choice are easy to understand and have a mix of both system and appliance coverage. Choice Home Warranty's plans are Basic Plan and Total Plan.
Service fees from Choice are $85. The coverage caps are also about $3,000 at the maximum. Additionally, Choice has high coverage caps and a contract that's easy to understand.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $45.00 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater. Basic Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Basic Plan Add On |
| Total Plan | $53.33 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator. Total Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Total Plan Add On |
- Pros:
- Very highly rated among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Extensive list of 20+ add-on coverages
- Easy claims process
Liberty Home Guard is a great option for homeowners who want the most trustworthy in Chattanooga. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. Homeowners can choose between Liberty Home Guard's Appliance Guard, Systems Guard, and Total Home Guard and also add-on coverage.
Liberty has coverage caps of around $3,000 for most systems and appliances, but some plans may have different coverage caps, so it's a good idea to verify with the provider. Service fees are $75. When you buy a home warranty from Liberty, you can look forward to guaranteed professionalism for every repair and some of the best customer service in the industry.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliance Guard | $69.99 | $75.00 | View Items Covered Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer. Appliance Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Appliance Guard Add On |
| Systems Guard | $74.99 | $75.00 | View Items Covered Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater. Systems Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Systems Guard Add On |
| Total Home Guard | $79.99 | $75.00 | View Items Covered Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater. Total Home Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Total Home Guard Add On |
- Pros:
- The oldest and most trusted company in the industry
- Allows customers to build their own plans
- Ability to choose the service fee you want to pay
- Broad coverage on up to 33 appliances and systems
American Home Shield offers the most customizable home warranty policy for Chattanooga homeowners. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options. The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum.
Service fees from AHS range from $70 to $125. The coverage caps are also generally about $2,500 at the maximum. When you purchase a plan from AHS, you will get a customizable plan and a low claim denial rate.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| ShieldSilver | $29.27 - $44.27 | $75.00 - $125.00 | View Items Covered Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan. ShieldSilver Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldSilver Add On |
| ShieldGold | $39.27 - $54.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan. ShieldGold Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldGold Add On |
| ShieldPlatinum | $59.27 - $74.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan. ShieldPlatinum Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldPlatinum Add On |
- Pros:
- Low service fees compared to other home warranty providers
- Two months of free coverage
- Has an appliance-only, systems-only, and combo plan option
- 90-day repair guarantee
In Chattanooga, Select Home Warranty is the most cost-effective home warranty plan. The 3 plans from Select are easy to understand and have a mix of both system and appliance coverage. The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
The coverage caps from Select are about $2,000. The service fees are $80, which is fairly affordable. Select has established itself as a provider with an affordable service fee and free roof coverage.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Bronze Care Plan | $57.67 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer. Bronze Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Bronze Care Plan Add On |
| Gold Care Plan | $57.67 | $60.00 | View Items Covered Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater. Gold Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Gold Care Plan Add On |
| Platinum Care Plan | $62.08 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages. Platinum Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Platinum Care Plan Add On |
- Pros:
- Lower chance of claim denial
- Multiple optional coverage items
- 24/7 service calls
First Premier Home Warranty offers the best coverage home warranty policy for Chattanooga residents. The 2 home warranty plans that FPHW has include differing levels of system and appliance coverage, as well as add-on options. The plans that FPHW offers to homeowners are Premier Plan and Platinum Plan.
FPHW has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so it's a good idea to ask the provider. Service fees are $75. If you want a quality customer service team and coverage for your appliances and home systems at affordable prices, FPHW is a great provider for you.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Premier Plan | $35.00 | $75.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door, Microwave, Oven, Plumbing system, Plumbing stoppages, Sump pump, Trash compactor, Water heater. Premier Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Premier Plan Add On |
| Platinum Plan | $43.00 | $75.00 | View Items Covered Air conditioning, Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door opener, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Sump pump, Trash compactor, Washer, Water heater. Platinum Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Platinum Plan Add On |
- Pros:
- Established company with a BBB accreditation
- Doesn’t have a coverage cap on heating, cooling, or ductwork
- 24/7 service calls available
- Offers replacement of some covered items that are too damaged to repair
In Chattanooga, First American Home Warranty is the best appliance home warranty option. First American has 2 plans for you to decide between, which contain a mix of appliance and system coverage. The plans that First American offers to homeowners are Basic Plan and Premier Plan.
First American's service fees are $85, and the coverage caps come out to around $1,500 per covered appliance or system. When you have a home warranty from First American, you can benefit from comprehensive appliance coverage and a unique add-on that covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $38.00 | $85.00 | View Items Covered Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser. Basic Plan Included Item | View Add-on Items Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade. Basic Plan Add On |
| Premier Plan | $48.50 | $85.00 | View Items Covered Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser. Premier Plan Included Item | View Add-on Items Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade. Premier Plan Add On |
- Pros:
- Offers home insurance deductible of $500
- Extra long 180-day workmanship guarantee
- Offers free cancellation in the first 30 days
Cinch Home Services is a great option for homeowners who need the best workmanship guarantee in Chattanooga. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage. Cinch Home Services' plans are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
Cinch's service fees range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered appliance or system. When you buy a home warranty from Cinch, you will get a 180-day workmanship guarantee and a wide range of coverage options.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliances Plan | $34.99 - $50.99 | $75.00 - $150.00 | View Items Covered Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer. Appliances Plan Included Item | View Add-on Items Pool, Septic, Well pump. Appliances Plan Add On |
| Built-in Systems Plan | $39.99 - $57.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan. Built-in Systems Plan Included Item | View Add-on Items Pool, Septic, Well pump. Built-in Systems Plan Add On |
| Complete Home Plan | $49.99 - $67.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan. Complete Home Plan Included Item | View Add-on Items Pool, Septic, Well pump. Complete Home Plan Add On |
What does a Home Warranty Cover in Chattanooga?
A home warranty will assist you with systems and appliances that get damaged because of normal wear. When you experience an issue with a home system or appliance that has to be repaired or replaced because of normal wear and tear, your home warranty will assist you in paying for it. Each covered appliance or system in your policy will have its own specifics about the limits of the coverage.
There are many home systems that are usually covered under a home warranty, such as:
- Water heater
- Electrical system
- HVAC (heating and air conditioning)
- Plumbing system
Common appliances include:
- Oven / Range / Stove
- Refrigerator
- Built-in Microwave
- Clothes Dryer
- Dishwasher
- Clothes Washer
Cost of a Home Warranty in Chattanooga?
At Review Home Warranties, we have done in-depth research to figure out the average costs of a home warranty policy in Chattanooga. The costs associated with a home warranty depends on the size of your home and the coverages that you choose.
On average, home warranty premiums range from $30 to $80 a month and $60 to $150 for service fees. The exact amount is based on the plan you get and what kind of coverage it has. What will also influence the overall cost is the add-on coverage you get. Keep these numbers in mind as you look for the perfect plan for your needs.
Is a Home Warranty Worth It in Chattanooga?
Most homeowners signing up for a home warranty in Chattanooga are trying to save money. However, there are additional benefits, as well as some potential downsides, of a home warranty that homeowners should be aware of. Let's go over the benefits first:
- Quality contractors--There are many quality contractors in the Chattanooga area, but finding one that is suitable for your needs can be difficult. When you have a home warranty in place, the search for a contractor is worked out for you since home warranty providers have connections with contractors.
- Peace of mind--Having a home warranty means that you can have peace of mind about the expenses of repairs. With a home warranty, you will have a general idea that the fix is just going to be a service fee, which can help bring down your homeowner worries.
- Workmanship guarantee--This makes sure that in the event the issue with your appliance or system isn't fixed the first time, the home warranty will keep helping you with it.
- Fast response times--It can be difficult to get a contractor you found on your own to give you a fast response. Your home warranty provider usually guarantees service within a specific period, allowing homeowners to get the repair done quickly and move on.
And here are some of the potential drawbacks of a home warranty:
- Coverage cap--If you have to have an expensive replacement for one of your appliances or systems, your home warranty policy may only pay for a portion of the cost, since they typically come with coverage caps.
- Waiting period--Many home warranty companies require you to wait 30 days before you can submit a claim.
The average cost of an air conditioner repair is around $370, so a home warranty can save you from having to pay all of that money upfront when a problem comes up.
FAQ's for Home Warranties in Chattanooga
What's the best home warranty company?
The top home warranty provider in Chattanooga is Choice Home Warranty. Choice Home Warranty has good customer service and a large network of professional service technicians in the area.
What's a home warranty?
A home warranty is a service contract that can help save you money on the repairs and replacements of your major home systems and appliances if they fail unexpectedly.
Should I get a home warranty now?
Because home warranties usually have a 30-day waiting period before you can request service, you may want to get a home warranty as soon as possible to make sure you have coverage when you need it, particularly if you have an older home or older appliances.
Can a home warranty be transferred to someone else?
You can transfer your home warranty plan to someone else, like a homebuyer or a real estate agent.
Our Rating Methodology
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:
- Plan options: Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics: The more items covered in a home warranty plan, the higher the score.
- Pricing: We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability: Finding coverage in your state can be a challenge if home warranty companies aren't located there. The more states covered, the higher the score.
- Customer service: Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits: Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.