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Best Home Warranty in Memphis, TN

Memphis, Tennessee will offer homeowners no state income tax, plenty of outdoor activities to take advantage of, and beautiful scenery. Living in Memphis is an excellent experience for many homeowners. However, there are times when issues with appliances and systems can make homeownership much less enjoyable. In our guide featuring the top 7 best home warranty companies in Memphis, we will cover . . . 

  • Who needs a Memphis home warranty? 
  • Why a home warranty in Memphis is so important
  • The best home warranty companies in Memphis
  • How much a Tennessee home warranty cost 
  • And much more . . .

The home warranty is a protection plan for home systems and appliances. With a Tennessee home warranty in place, homeowners in Memphis can have peace of mind about their budget and savings. Repair costs can decrease from the thousands to less than a hundred when a home warranty is available. Let’s take a look at the top seven best home warranty companies in Memphis. 

Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

The 7 Best Home Warranty Companies in Memphis

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

Our highest-rated home warranty companies in Memphis include:

Compare Memphis Home Warranty Providers

There are more than 60 home warranty providers for Memphis homeowners to choose from. These providers will vary in the coverage they offer and the pricing of the plans. At Review Home Warranties, we have done analyzed things like coverage caps, monthly pricing, service fees, BBB ratings, customer service reviews, and more. Here is how the top seven home warranty companies in Memphis ranked. 

Provider

Visit Site

Best For

Monthly Cost

Service Fee

BBB Rating

Choice Home Warranty

Site

Best Overall

$40 – $48

$85

B-

American Home Shield

Site

Most Customizable

$50 – $60

$75 – $150

B

Select Home Warranty

Site

Most Affordable

$36 – $38

$60

B

Liberty Home Guard

Site

Best Reviewed

$40 – $60

$60

A

Cinch Home Services

Site

Best Workmanship

$28 – $40

$100 – $150

A-

First Premier Home Warranty

Site

Best Coverage

$45

$75

B-

ServicePlus Home Warranty

Site

Best Emergency Service

$41 – $45

$75 – $125

A

Memphis Home Warranty Costs 

The cost of the home warranty is often the determining factor for many homeowners. With the costs varying between policies and between homes, we felt that understanding an average annual premium could help. We have researched all home warranty plans available to Memphis homeowners to determine the average annual premium. Keep these numbers in mind as you search for the best home warranty policy for your Memphis home. 

Type

Average Annual Premium

Overall

$724.91

Single Family Home

$608.54

Multi-Family

$1,093.43

Townhome

$499.79

Condo

$601.11

Duplex

$879.78

Home Over 5,000 sq ft

$1,294.73

Home Under 5,000 sq ft

$648.37

Memphis Home Warranty Company Reviews

When reviewing the best home warranty policies on the market, it is crucial to consider the coverages that the plan offers. Each home warranty plan offers unique coverages that will change the way the plan functions. Before reading through these reviews, make a list of the systems and appliances that are most important to you to have as part of your plan. Then follow through with these choices to pick one that most closely matches the coverage you need. 

1. Choice Home Warranty: Best Overall 

Choice Home Warranty is the best overall home warranty for Memphis homeowners. You will quickly see that their plans are easy to understand, they have good customer service, and the pricing of the plans is very fair. The Choice Home Warranty has been on the market for more than 13 years, and this has helped them to establish their position as one of the best home warranty companies in the country. 

Although there are some exclusions for certain appliances and major systems, the Choice Home Warranty offers the best home warranty plan, especially for those first-time buyers. If you want something affordable and effective, Choice is the way to go. The two plans from Choice Home Warranty will cover both systems and appliances; having combo coverage like this is not typical for a home warranty. 

Pros

Cons

  • Comprehensive coverage options 
  • Easy to understand service contract
  • Low pricing
  • Fair service fees 
  • Great customer service
  • Only two plans to choose from 
  • No custom plan options 

Plans and Pricing

The two plans from Choice Home Warranty will not make you choose between systems or appliances. The Total Plan tends to be a better choice because of the HVAC and refrigerator coverage that it offers homeowners. 

Plan

Cost Per Month

Service Fee

Basic Plan

$42

$85

Total Plan

$50

$85

Coverage:

The coverage caps from Choice Home Warranty are in the $3000 range; this is considerably higher than other home warranty companies on the market. Choice Home Warranty is an excellent option for those with high-end systems and appliances as part of their home. 

Customer Reviews:

I contacted Choice Home Warranty about my Heat Pump not heating during low temps. They responded within 2 hours to let me know that they had contacted a repair tech to come and check on my heating unit. The repair tech came within a timely manner and looked over my heating system, and came up with a solution to the problem. I thank Choice Home Warranty for their quick response to my problem.Source

2. American Home Shield: Most Customizable 

The American Home Shield is the most customizable home warranty in Memphis. American Home Shield, or AHS, is a premium-level home warranty plan. If you want the ability to customize your home warranty and add on to a basic plan, this is the choice to make. American Home Shield is one of the only service providers to allow you to choose your own service fee. 

When it comes to a Tennessee Home Warranty with fast response times and has paid out millions in claims, this is a great choice to consider. American Home Shield has been on the market for more than 50 years, making it one of the original leaders in the industry. For those that care about a companies longevity and premium customer service, the American Home Shield Home Warranty is a perfect choice. 

Pros

Cons

  • Customization of plan options
  • Can choose a pricing/service fee that works for your budget
  • More than 50 years of experience
  • High coverage caps
  • Large network of contractors 
  • Pricing of the plan tends to be a little higher than other home warranties 

Plans and Pricing

There are three American Home Shield plans to choose from. The service fees on the AHS plan are customizable, so you can increase or decrease your cost per month based on the service fee pricing. Overall the American Home Shield policies are priced a little higher than others but offer quite a bit to customers. 

Plan

Cost Per Month

Service Fee

Silver Plan

$45

$75 – $125

Gold Plan

$55

$75 – $125

Platinum Plan

$79

$75 – $125

Coverage:

The coverage from American Home Shield is quite good, with coverage caps nearing $2500 for many of the systems and appliances in the plan. The American Home Shield plan is a premium policy that will do quite a bit to eliminate the worries of homeowners. 

Customer Reviews:

American Home Shield is the best annual investment we make to assure the value of our home continues to rise. The service for the covered items is simple to secure either by the website or by phone. The service fee is a value not common in today’s market for skilled professionals. The vendors who are contracted by American Home Shield are extremely skilled in their respective crafts, professional, and efficient. American Home Shield is the best professional services for our money..Source

3. Select Home Warranty: Most Affordable 

The Select Home Warranty is the most affordable home warranty in Memphis. Select Home Warranty is a reasonably priced and effective plan for your Memphis home. One of our favorite things about Select Home Warranty is free protection against a roof leak. Home warranty providers that offer anything free are certainly worth looking into. 

Overall, the Select Home Warranty cost is lower than some of the others in the market. You won’t get the ability to customize your plan the same way some other home service providers offer, yet for the price, it may be worth it to you. The Select Home Warranty has been on the market for about nine years, making it a leader in the home warranty industry. This happens to be one of the best plans for first-time home buyers. 

Pros

Cons

  • Clear and concise plan options
  • High workmanship quality
  • Free roof leak coverage with plan 
  • Affordable home warranty plan 
  • Coverage caps tend to be slightly lower 

Plans and Pricing

There are three plans from Select Home Warranty, but the Platinum Plan stands out as the best overall choice. This plan has both system and appliance coverage but only costs homeowners a few dollars extra per month. You will also notice that the service fees from Select Home Warranty are some of the most affordable on the market. 

Plan

Cost Per Month

Service Fee

Gold Care

$41

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage:

Coverage for the number of items from Select is quite good. Where you will see the issue is the coverage caps related to these items. Coverage caps are much lower than they are with Choice and AHS. For homeowners with high-end systems and appliances, this is important to keep in mind and consider. 

Customer Reviews:

I recently became a customer of this company. Shortly after signing up, I had several breakdowns in an investment home that I’m about to sell. Two of the items were not covered under the warranty. Nevertheless, I was called by senior supervisors at the company and told that they would reimburse me for a substantial portion of my out-of-pocket costs to do these repairs. Specifically, Jermel authorized payment of more than 2/3 of an expensive repair that was not covered under the warranty that I have. This company is head and shoulders better than my previous company, which will remain unnamed but goes by three-letter initials beginning with A. I highly recommend selecting home warranty.”  Source

4. Liberty Home Guard: Best Reviewed 

Liberty Home Guard is the best reviewed home warranty in Memphis. If you are worried about home warranty companies and their BBB rating, then Liberty Home Guard could be the best choice for you. This is the only home warranty company with an A+ rating. 

Even though Liberty Home Guard is a newer company, we found that their deductible or service fee prices were fair, and their company is very modern. You can submit a claim any time of any day through the online system and get to check on the status. In addition, the number of add-on options for extended services is very extensive. If you have a unique Memphis home with lots of great appliances and systems, LIberty Home Guard may be the only plan that gives you access to all the coverage options you need. 

Pros

Cons

  • Impressive BBB rating
  • Great customer service
  • A long list of add-on coverage options 
  • 60 Day Workmanship guarantee 
  • Newer company with slightly less experience 

Plans and Pricing

There are three home warranty plans for Memphis homeowners to choose from. The service fees from Liberty Home Guard are very reasonably priced and will help ensure that your total out-of-pocket expenses are quite fair with this plan in place. 

Plan

Cost Per Month

Service Fee

Systems Guard

$49.99

$60

Appliance Guard

$44.99

$60

Total Home Guard

$54.99

$60

Coverage:

Coverage from Liberty Home Guard is about average. You won’t find coverage caps as high as Choice or American Home Shield, but you will find something that can work for a large majority of homeowners. Keep these optional coverages in mind if you are having a hard time finding the perfect match for your home. 

Customer Reviews:

Making a claim was easy! The technician was dispatched quickly, and my oven was repaired in time for Christmas! Super happy with the service I received!Source

5. ServicePlus Home Warranty: Best Emergency Service 

ServicePlus Home Warranty offers the best emergency service in the industry. If you are looking for a new and modern company that has grown rapidly across the country, ServicePlus is the way to go. Whether you are looking to protect your sump pump or your trash compactor, chances are ServicePlus will have an option that works for you. 

As a customer, you will have the option to choose between the Gold or the Platinum Care plan. Each of these has some impressive benefits that give homeowners peace of mind. We love the fact that ServicePlus allows you to submit a claim 24/7. You may pay a few more dollars a month to get your ServicePlus Plan in place, but it will be well worth it! Emergency service will come in handy when you lose your plumbing system or start to struggle with things like your oven or refrigerator. Although the emergency service can come at an additional cost, it will help you get your needs handled much faster. 

Pros

Cons

  • Very fast response times
  • Strong workmanship quality 
  • An extensive network of technicians
  • Fairly priced plan choices 
  • Some emergency services have an upcharge 

Plans and Pricing

There are two home warranty plans for Memphis homeowners to choose from. The Platinum Plan is the more comprehensive of the two plans. Service fees from ServicePlus are lower than the average in the industry. 

Plan

Cost Per Month

Service Fee

Gold Plan

$42

$75

Platinum Plan

$46

$75

Coverage:

Coverage from ServicePlus is good. However, it is important to remember that the real strong point of this policy is the speed of service. If you know you are someone that needs a quick repair, the Memphis home warranty is the way to go. 

Customer Reviews:

I have been using Total Home Protection for quite a while now, and they offered me an affordable price to cover the cost of my home appliances. I am actually a mess when it comes to fixing things because I never do the research to find a good repairman. Basically, all you do is file a claim, and someone comes to verify it and then fix it or recommend a replacement. I recommend it.” Source

6. First Premier Home Warranty: Best Coverage 

The First Premier Home Warranty is the best home warranty plan in Memphis for coverage. With the First Premier home warranty, you will get more than 15 covered items as part of your basic home warranty plan. So many Memphis homeowners struggle to choose which appliances and systems they want to be covered under their home warranty plan. With the First Premier Home Warranty, you can have everything without increasing your overall costs. 

The First Premier home warranty is one of the newest plans on the market, yet they have already earned an A rating with the BBB. The quick response times and the ease of submitting claims and requests make First Premier one of the best home warranty policies to enter the market. 

Pros

Cons

  • New company eager to earn business
  • Impressive BBB rating for a new home warranty brand 
  • Fairly priced policies 
  • Easy to submit claims and requests
  • Quick response times 
  • Have not been on the market for long 

Plans and Pricing

There are two home warranty plans for homeowners to choose from. The Platinum Plan has more than 18 covered items and a very low service fee. The affordability of this plan is quite good. 

Plan

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage:

The only negative to the First Premier Home Warranty is that the coverage caps are considerably lower than they are with other home warranty plans. When coverage caps are low like this, they may not fully cover the repair or replacement expenses that come your way. For homeowners with high-end systems and appliances, keep this in mind. 

Customer Reviews:

I absolutely love this company I had 3 home warranty companies in the past that were horrible, and I was about to give up on the home warranty idea first premier lived up to their standards my ac unit went out, and it was about 97 degrees they sent out a tech in 6 hours and got that fixed and even offered me to replace it with a brand new one once I saw how good there turnaround was and how they performed I enrolled my other 2 properties and I couldn’t be more happier definitely recommend five stars!!!!!!”Source

7. Cinch Home Services: Best Workmanship

The Cinch Home Services offers the best workmanship for Memphis homeowners. With a 180-day workmanship guarantee, Cinch Home Services easily leads this category. The 180-day workmanship guarantee ensures that with a Cinch Home SErvices plan in place, you will almost never pay a second service fee for the same issue. In addition to this impressive service fee, Cinch Home Services has more than 40 years of industry experience to help ensure that you are well protected in your home. 

The Cinch Home Services plan has extensive coverage, and they work together with you to help you maintain your Memphis home. Each policy comes with a credit that can be applied toward purchasing air filters for your HVAC system. CInch Home Services offers excellent value and service for the price they sell their plans. 

Pros

Cons

  • 180-day workmanship guarantee
  • Great customer service
  • More than 40 years in the industry 
  • Extensive coverage options 
  • Service fees are higher 

Plans and Pricing

There are three Cinch Home Services home warranties to choose from. The service fees associated with these plans are customizable. This means that you can choose a higher or lower service fee to adjust the monthly plan pricing. 

Plan

Cost Per Month

Service Fee

Appliances Plan

$44.99

$100 – $150

Built-In Systems Plan

$51.99

$100 – $150

Complete Home Plan

$61.99

$100 – $150

Coverage:

The coverage from Cinch Home Services is quite good. Pricing from this company is slightly higher than average, but you must remember the dedication to workmanship and ensuring that your property is always properly covered. 

Customer Reviews:

From calling in because my heat wasn’t working to having a new system installed, everyone was so helpful and kind, fast-working and oh so helpful. I recommend a home warranty to anyone that owns their home!! Source

What Does a Home Warranty Cover in Memphis

A Memphis home warranty will cover everything from a dishwasher or furnace to an electrical system or sewer line. The specific coverages of a plan will be detailed in the policy you choose. However, one of the things that all Memphis home warranties have in common is the fact that they only protect against normal wear and tear. A home warranty is in place to help with the unexpected issues that come up. 

If you have a system or appliance in your home that has experienced an intentional break or something related to human error, like the plumbing system, you will not be able to use the Memphis home warranty to cover it. In addition, a home warranty will not cover anything that has experienced a lack of maintenance. If you call in about your HVAC system and it is determined that you have not replaced a filter in three or four years, the HVAC system issue will likely not be covered. 

A home warranty will also not protect against a natural disaster as this is typically covered under your homeowner’s insurance plan. Homeowners’ insurance won’t help with the normal wear of systems and appliances. This is partly why Memphis homeowners find the home warranty to be an even more useful policy than homeowners insurance. 

Here are the common systems covered under a Memphis home warranty plan:

  • HVAC (heating and air conditioning) 
  • HVAC ductwork
  • Ceiling and exhaust fans
  • Plumbing system including stoppages
  • Electrical system
  • Water heater
  • Garbage disposal

Common appliances covered under Memphis home warranties include:

  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

Benefits of a Home Warranty in Memphis

The best benefit of a home warranty is the fact that it will save you money. When you have a warranty in place, and a large or costly system or appliance goes down, the home warranty will step in and cover it. However, a home warranty has plenty more benefits than this. If you are serious about investing in the home warranty and fully understand all benefits, keep these things in mind. 

Peace of Mind

Homeowners will have peace of mind about their Memphis home when a home warranty is in place. Owning a home can be stressful and have you constantly worrying about different issues that can come up. LUckily with the Memphis home warranty in place, you will simply file a claim and pay a service fee each time these problems occur. 

Quality Contractors 

There are some very high-quality contractors in the Memphis area. However, getting these contractors to come out to your home to look at a potential repair or replacement can be costly and difficult. Luckily with a home warranty, this is done for you. Simply file your claim, and someone will come over to handle the issue. 

Fast Response Times 

Without a home warranty in place, it can take days and, unfortunately, even weeks to have an issue taken care of. However, with a home warranty in place, customers can rest assured that their appliance or system-related problem will be handled within a 24 to 48 hour period of time. These fast response times make it much easier to get back to your normal life and enjoy all that Memphis has to offer. 

Final Thoughts

We hope that you now feel confident in your ability to choose the best home warranty plan on the market. Memphis homeowners are lucky because of the number of home warranty plans they have to choose from. The Choice Home Warranty stands out as the best overall home warranty in Memphis. This plan has excellent coverage choices, great history in the industry, and is one of the most simple service plans that customers could ask for. When you shop for home warranty plans, ensure that you are getting several quotes. More than one quote can help you get the coverage you need for the price you want to pay. 

Curious about home warranties in other areas in Tennessee, like Knoxville, Nashville, or around the U.S.? Check out our articles on Brooklyn, Provo, and Plano for further reading.

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 our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): 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 (10): 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 (5): 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.

FAQs for Home Warranties in Memphis, TN

What Is A Service Fee? 

A service fee is a cost you will pay each time you schedule a home warranty appliance or system repair. Service fees will range in price from around $60 to more than $150. The higher-priced service fees are typically going to have long workmanship guarantees that come along with them. 

Are Tennessee Home Warranties Worth It? 

A Tennessee home warranty is worth it. It should only take one or two repairs or replacements to help justify the cost of the home warranty for the year. In addition, you will have the peace of mind that your home will always be functioning and useable. Home warranty plans typically save homeowners hundreds if not thousands of dollars a year. 

How Much Is A Tennessee Home Warranty? 

The Tennessee home warranty will vary in price from around $500 a year to more than $1200 a year. There are home warranty options for all budgets and income levels. To control your plan’s pricing, it makes sense to pick a home warranty that has fewer coverages. Always ensure that the coverages that cause you the most concern are included as part of your plan. 

Do Home Warranties Cover Replacement Costs? 

A home warranty can cover replacement costs. The typical home warranty may offer a full replacement or just a portion of the replacement. Home warranty replacement costs are impacted by the coverage caps associated with your home warranty plan. A high coverage cap will likely give you more money towards your home warranty replacement.