Tennessee offers homeowners access to the Great Smoky Mountains, beautiful scenery, outdoor events, incredible music, and low taxes. If you are lucky enough to call Tennessee home, you know great this state can be. However, whether you’re a homeowner in Nashville, Knoxville, or Memphis, like with any home, some issues will come up with home systems and appliances. These issues can add to the stress of being a homeowner in Tennessee, but one of the best home warranty companies in Tennessee can help. A home warranty in TN can save you thousands on future home repairs and replacements in you home.

In this guide, we will cover . . .

  • What is a home warranty in Tennessee?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 7 best home warranty companies Tennessee in 2022.
  • And much more!
Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
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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

Best Home Warranty Companies in Tennessee

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • $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 98.0
  • 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 97.6
  • $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 Liberty Home Guard
Editorial Rating 96.5
  • $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
  # 5 ServicePlus Home Warranty
Editorial Rating 95.1
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.7
  • 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

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Tennessee can experience humidity as well as freezing temperatures. This means that you could be dealing with repairs on things like your HVAC system, heating system, electrical and more. Having a home warranty in place will help you manage the costs associated with these repairs. If you are looking for the best home warranty companies in Tennessee, keep reading.

Top 7 Best Home Warranty Companies in Tennessee:

Compare Tennessee Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$45 - $54$85B-
American Home ShieldSiteMost Customizable$40-$70$75 - $150B
Select Home WarrantySiteMost Affordable$61-$65$60B
The Home Service ClubSiteQuickest Coverage$50-$63$60-$95N/A
Liberty Home GuardSiteBest Reviewed$60-80$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45-$50$75B-

Tennessee Home Warranty Costs 

One of the most critical factors in determining whether or not a home warranty will be a fit for you is the cost of the plan. The tricky thing about choosing a home warranty plan is trying to determine which plans are a good deal and which may not have as much value. You have to carefully consider the plans' coverage options, service fees, coverage caps, and more. We have done some in-depth research on all plans offered in Tennessee to help determine the average cost for a home warranty in Tennessee. In addition, we made sure to include data about all different types of homes. 

Type

Average Annual Premium

Overall

$724.91

Single Family Home

$608.54

Multi-Family

$1,093.43

Townhome

$499.79

Condo

$601.11

Home Over 5,000 sq. ft.

$1,294.73

Home Under 5,000 sq. ft.

$648.37

Tennessee Home Warranty Companies Reviews

Tennessee residents are lucky to have more than 70 home warranty companies to choose from. However, this means there is a lot of work to do to break down which home warranty companies are the best for your home. At Review Home Warranties, we analyzed overall pricing, years in the industry, BBB ratings, service fees, coverage caps, and more. Here are our reviews of the top 7 home warranty companies in the state of Tennessee. 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in Tennessee. Choice Home Warranty has been on the market for 13 years, and its policies are fairly priced and comprehensive. Customers of Choice Home Warranty are always impressed with how easy the company is to work with. The plans are straightforward, as well as the service contracts and the claim submittal process. Although CHW only offers two plans to choose from, both are comprehensive combo options sure to fit your home's needs. For the most bang for your buck, the Total Home Plan is the best option. It offers coverage on all of the essential home systems and appliances in your Tennessee home and comes at an affordable monthly cost.

Pros

Cons

Comprehensive plan options

No custom home warranty plans 

Simple contract

 

Simple contract

 

Reasonable service fees on all repairs

 

More than 13 years in the home warranty industry 

 

Plans, Pricing and Coverage

Choice Home Warranty offers two comprehensive options for home warranty plans: the Basic Plan and the Total Plan. The Basic Plan covers 13 systems and appliances for $45 per month. The Total Plan covers all of the Basic Plan plus four more items: washer, dryer, air conditioner, and refrigerator, for less than $9 more at $54 per month. The Total Plan includes more systems and appliances and tends to be the most popular choice for Tennessee homeowners. Although the service fee of $85 may seem high, the low monthly payments even out the overall cost. The affordable cost and comprehensive coverage, in addition to great customer service, is what makes Choice Home Warranty the best home warranty in Tennessee.

Take a look at Choice Home Warranty’s plan options:

  • Basic Plan ($42 per month): The Basic Plan covers a total of 14 items. The items included are ceiling fans, cooktop exhaust fans, dishwasher, ductwork, garbage disposal, electrical system, garage door opener, heating system, oven, microwave, plumbing system, toilet, and water heater. This plan doesn't cover air conditioning or refrigerators, which is not ideal for TN homeowners. 
  • Total Plan ($53.33 per month): The Total Plan is the most comprehensive and popular option in Tennessee. This plan covers all of the Basic Plan plus four more: air conditioning, refrigerator, heating, washer, and dryer. For the amount of coverage, this is the optimal option for a home warranty policy. 
  • Optional add-ons: Choice offers a few add-ons such as central vacuum, septic tank, sump pump, well pump, and the pool and spa. 

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying: 

"Unbelievable turning around, I filed a claim to have my garbage disposal repaired on Saturday. Choice scheduled a technician for Sunday and my repair was successful completed." - Frieda H.

For more information, read out Choice Home Warranty Review.

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Tennessee homeowners. The great thing about American Home Shield is that you can add or subtract coverages to meet the needs of your Tennessee home specifically. Many home warranty companies offer add-on choices, but AHS allows you to put together a completely custom plan to fit your wants and needs. After spending the last 50 years in the home warranty industry, it is no wonder American Home Shield is considered the premier home warranty company. AHS also offers a selection of three service fees, making the pricing of your home warranty plan customizable as well. If you would rather pay lower in monthly payment, you can choose a higher service fee and vice versa. 

Pros

Cons

More than 50 years of experience 

Considered to be a more premium or expensive policy 

Can build out your custom plan with add on options

 

Customizable monthly pricing

 

Great pool and spa coverage

 

Plans, Pricing and Coverage

American Home Shield offers three plans for Tennessee homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver covers 17 systems, whereas ShieldGold covers 23 home systems and appliances. The most popular Tennessee home warranty from AHS is the ShieldPlatinum Plan, which covers 27 items. The pricing of the home warranty plans from AHS is slightly higher than other companies, but the coverage is extensive and reliable. American Home Shield allows their policyholders to choose their service fee of $75, $100 or $125. If you choose a higher service fee, you monthly payment will be lower. The table below represents the cost of a home warranty in Tennessee if you choose as $75 service fee. 

Here's a closer look at AHS's plan options (note: these prices are based on the $100 service fee):

  • ShieldSilver ($45 per month): ShieldSilver offers basic systems coverage for your home. The plan covers six total systems including air conditioning, electrical system, doorbells, garage door opener, water heater, and ductwork. This is an excellent choice if you're looking for systems-only coverage. 
  • ShieldGold ($55 per month): ShieldGold is a medium-level coverage comprehensive option. This plan covers a total of 23 systems and appliances. It covers all of the items in ShieldSilver plus dishwasher, dryer, microwave, oven, washer and refrigerator. 
  • ShieldPlatinum ($79 per month): ShieldPlatinum is the most popular option among TN homeowners. For full comprehensive coverage, this is the best choice. It covers a total of 27 items, including all of the items in both of the lower tiered plans. AHS also offers high coverage caps on these items up to $6,000.
  • Optional add-ons: AHS offers several add-ons, including pool and spa, electronics, septic systems, and well pumps. 

Plans

Cost Per Month

Service Fee

ShieldSilver

$45

$75 - $125

ShieldGold

$55

$75 - $125

ShieldPlatinum

$79

$75 - $125

What Customers Are Saying

We had a dryer break down. I called American Home Shield, no problem talking with a rep. And they contacted a service company. The company showed up the companies diagnosed the problem, within a couple of days, the part came in. We were back in business. No hassle, no problems. Very happy with American Home Shield!” Michael G.

Read our American Home Shield Review to learn more.

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of Tennessee. Although there are some affordable homes in Tennessee, the overall experience of being a homeowner is quite expensive. Taking advantage of a home warranty like Select Home Warranty will certainly help ensure that your plan does its job of protecting your savings and budget. None of the Select Home Warranty plans reach above $66 per month. Select Home Warranty has been on the market for nine years and is trusted in industry. In that time, Select has also built a large network of industry professionals across the U.S. ready to service your home needs in less than 48 hours. 

Pros 

Cons

Impressive customer service

Some of the covered items have lower policy limits

Clearly defined coverages

It won’t protect some high-end appliances or systems

Free roof leak coverage with all plans 

 

Quality workmanship on all repairs 

 

Plans, Pricing and Coverage

Select Home Warranty’s three home warranty plans include the following: the Bronze Care Plan for appliances; the Gold Care Plan for systems, and the Platinum Care Plan which is a combo plan covering both systems and appliances. Both the appliance plan and the systems plan are offered under $61 per month. The combo plan is just a few dollars more than the Gold and Bronze, but the coverages are extensive. The Platinum Care plan covers everything you will as a Tennessee homeowner: air conditioning, heating systems, washer and dryer, and 12 more. Overall the service fee and monthly pricing will be some of the best available. Select's $60 service fee is one of the lowest of all of the home warranties in TN.

Take a look at Select Home Warranty’s plan options:

  • Bronze Care Plan ($61 per month): This appliance-only plan covers seven appliance. Although basic, the affordability factor makes this plan have great value as a starter home warranty for TN homeowners. The appliances covered are garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer.
  • Gold Care Plan ($61 per month): The Gold Care Plan is a systems-only plan and is offered at the same price as Bronze Care. However, it only covers six systems. This is because systems are considerably more expensive to fix than appliances, and it covers the top systems in homes. The systems covered are air conditioner, ductwork, electrical, heating, plumbing systems, and water heater. 
  • Platinum Care Plan ($66 per month): The Platinum Care Plan offers comprehensive coverage at an affordable cost. TN homeowners are quick to notice the large range of items coverage for only about $5 more per month. This plan offers the best value on the market in Tennessee.
  • Optional add-ons:  Select Home Warranty offers free roof leak coverage with all of its plans. Other optional add-ons are pool, spa, septic system, lawn sprinklers, stand-alone freezer, central vacuum, well pump, and sump pump.

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$60

Bronze Care

$60.42

$60

Platinum Care

$65.83

$60

What Customers Are Saying

“the service tech showed up within one day of being called and showed up on time. he was fast, friendly and completed the repair with no undo problem. he went the extra mile and went out and got the part as it was not standard carry on his truck. i would use them again if needed."Fred D.

Read our Select Home Warranty Review to learn more information.

4. The Home Service Club

The Home Service Club offers the quickest coverage to Tennessee homeowners. Most home warranty companies in Tennessee have a 30-day waiting period before your home warranty contract takes effect. However, with HSC you can get coverage in just 10-days. This means you can submit claims for your systems and appliances and get them back to working condition faster than with other home warranties in TN. HSC also offers two coverage plans, each for under $65 per month. Although a newer player in the home warranty industry, HSC has quick gone up the ranks to compete among the top home warranty companies, offering high-quality service, comprehensive coverage options, and excellent customer support. 

Pros

Cons

No inspection is needed before policy takes effect

Higher service fee options

The plan starts after 10 days 

Not BBB accredited

Extensive coverage options even in the basic plan 

Pricing, Coverage and Plans

The Home Service Club offers two coverage options: the Standard Coverage Plan and the Comprehensive Coverage Plan. Each of the options offers exactly what it sounds like it does. The Standard Coverage Plan covers 18 systems and appliances for about $50 per month. The Comprehensive coverage plan covers those plus nine more to cover a total of 27 items. HSC also offers several add-ons, including utility and home service line coverage. HSC allows its customers to choose their service fee at the start of their policy. The service fee options are $60, $75, and $95. 

Take a closer look at The Home Service Club's plan options:

  • Standard Coverage ($50 per month): This plan offers basic coverage on items such as air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. 
  • Comprehensive Coverage ($63.00 per month): This comprehensive plan covers all of the items in the Standard Plan, plus more including gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. For the price point, this plan is the better option.
  • Optional add-ons: The Home Service Club offers 12  add-on coverages you can choose to include in your home warranty policy package. Some items offered are well pump, service line, plumbing sprinkler, spa and spa heater, freestanding freezer, water softener, and more.  

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What customers are saying

"I love how Home Service Club included electrical systems warranty in their coverage. When my well pump quit on me last week, I asked if they could fix it right away. They sent really skilled electricians to help me out. At least I know I'm getting my money's worth!" – Catharina P.

Read our HSC review to learn more.

5. Best Reviewed: Liberty Home Guard 

Liberty Home Guard is an excellent choice for those looking for a highly rated home warranty company in Tennessee. With several thousand positive reviews, knowing that other Tennessee residents are happy with their home warranty plan is undoubtedly a great benefit. Liberty Home Guard is a relatively new company with only two years in the home warranty industry, yet they have really brought some impressive coverage to the market. In addition, Liberty Home Guard has an A rating with the BBB. Although at initial glance LHG's prices may seem high, they are quickly justified with industry-high coverage caps and exceptional customer service. You won't find a better reviewed home warranty company in the state of Tennessee.

Pros

Cons

BBB rating of an A

Optional plan choices tend to be priced a bit high

Very professional 

Slightly limited coverage without the add ons

60 Day workmanship guarantee

 

Add on coverage list is extensive 

 

Plans, Pricing and Coverage

Liberty Home Guard has three home warranty policies which are fairly standard for Tennessee residents. The policies include the Appliance Guard, Systems Guard, and the Total Home Guard. Appliance Guard covers 11 appliances and Systems Guard covers nine systems. Total Home Guard is just a few dollars more per month at $79.99 but offers the most extensive coverage at 20 total items covered. Although Liberty's pricing may seem high, the coverage is extensive with great coverage limits and a low claim denial rate. You will pay a $75 service fee on your Tennessee home warranty plan with LGH. Liberty also offers coverage on over 20 add-on items for an additional fee if you want things such as pest control, roof leaks, and pool and spa. 

Here’s a more detailed look at Liberty Home Guard’s plans:

  • Appliance Guard ($69.99 per month): Appliance Guard is a great option for those looking for appliance-only coverage. These coverages include a refrigerator, cooktop exhaust fan, ceiling fans, dishwasher, oven, clothes dryer, clothes washer, garage door opener, microwave, garbage disposal, and refrigerator ice-maker. 
  • Systems Guard ($74.99 per month): Systems Guard is an excellent systems-only option for a home warranty policy. The coverages included are air conditioner, electrical system, bath exhaust fan, ductwork, heating system, plumbing and plumbing stoppages, toilet, and water heater. 
  • Total Home Guard ($79.99 per month): This Total Home Guard plan is the best option for TN homeowners because it covers all 20 of the systems in the other two plans for only a couple dollars more per month. This is also the most popular plan for homeowners across the US. 
  • Optional add-ons: Liberty Home Guard offers one of the most an extensive lists of add-ons coverage of all home warranty companies in Tennessee. Some of the more unique coverages are re-key service, pest control, gutter, floor cleaning, lawn sprinklers, and wine refrigerators. These coverages range from $49.99 to $299.99 annually.

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$75

Appliance Guard

$74.99

$75

Total Home Guard

$79.99

$75

What Customers Are Saying

"I spoke with Freddy Summers today who welcomed me as a partner with Liberty Home Guard, and genuinely appreciates the work that we perform as technicians. They are an honest company that has helped improve my business and provide for my family. Looking forward to future success with LHG!" - Joe H.

Learn more information with our Liberty Home Guard Review.

6. Best Workmanship: Cinch Home Services 

Cinch Home Services warranty offers the best workmanship in any of the Tennessee home warranty policies. Where most home warranty companies offer 30-60 day workmanship guarantees, Cinch's is 180 days. A long workmanship guarantee also typically means higher-quality repair technicians. Cinch also has a 24/7 service call center to offer excellent customer support to policyholders. Cinch Home Services has been in the business for nearly 40 years, allowing them plenty of experience and expertise when it comes to home warranty plans. You will be impressed with the customer service and overall value of the Cinch Home Services plans. 

Pros

Cons

Long history in the home warranty business 

Higher service fees 

180-day workmanship guarantee

Some negative customer reviews with certain contractors 

Three moderately priced plans

 

Plans, Pricing and Coverage

The three Cinch Home Services plans offer quite a bit of variety for Tennessee homeowners: Appliances Plan, the Built-in Systems Plan, and the Complete Home Plan. However, the Complete Home Plan has a great combination of both systems and appliances for a Tennessee home and covers a total of 32 items, which is relatively unheard of in the home warranty industry. The Appliances plan covers 11 items for as low as $34.99 per month and the systems plan covers 21 systems for as low as $39.99 per month. Higher-priced service fees are something to keep in mind about the Cinch Home Services policies. Similar to AHS, Cinch offers three service fees: $75, $100, or $150. The table below represents the prices for a Cinch home warranty in Tennessee starting with the $100 service fee.

Here’s a closer look at Cinch Home Services' plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): This plan is the appliance-only plan option offered by Cinch Home Services. This plan covers a total of 11 appliances including microwave, cooktop exhaust fan, trash compactor, clothes dryer, food center, refrigerator, free-standing ice maker, oven, refrigerator ice-maker, dishwasher, and clothes washer. 
  • Built-In Systems Plan ($51.99 per month): This systems-only plan covers over 20 systems. This included items are air conditioner, ductwork, water dispenser, smoke alarms, sump pump, septic tank pumping, bath exhaust fans, cooktop fans, garbage disposal, doorbells, toilet, electrical system, heating system, water heater, plumbing, and plumbing stoppages, garage door opener, spa, central vacuum, attic fans, and whole house fan. 
  • Complete Home Plan ($61.99 per month): This is the most popular and most comprehensive plan option for TN homeowners. It covers a total of 32 items which is more coverages under one plan than nearly any other home warranty provider. The Complete Home Plan comes with a $500 homeowners insurance reimbursement and a credit towards A/C filters each policy term.
  • Optional add-ons: Cinch Home Services' add-on options are a bit limited because most coverages offered by other providers come with the Complete Home Plan. However, Cinch offers the option for a Premier Upgrade Package which is a $1000 credit for unexpected costs.

Plans

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

What Customers Are Saying

“Very nice pleasant interaction with the customer service representative , she was very friendly , understanding of my needs and very well informed about the company and the details about the warranty they provide and different pricing and deductibles available." – Lydia S.

Learn more from out Cinch Home Services Review.

7. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Tennessee residents that need extensive coverage for their homes. Not all home warranty coverage is the same because of lower policy limits and exclusions, but First Premier offers affordable monthly payments for a wide variety of systems and appliances. Both of the plan options offered can be more affordable by paying the cost up front in an annual lump-sum. Although First Premier Home Warranty has only been on the market for about a year, it has very high BBB ratings. First Premier also has a modernized and simple claims process, making getting your systems and appliances fixed in a timely manner easy.

Pros

Cons

BBB rating of A- in less than a year

A short period of time on the market

Modern technology and systems in place

Coverage limits are relatively low

A newer company that is continually improving

 

Low overall costs if you pay upfront 

 

Plans, Pricing and Coverage

The two First Premier Home Warranty policies include the Premier Gold Plan and the Platinum Plan. Each policy consists of both appliances and systems. The Gold Plan covers 14 items, including electrical system, oven, microwave and plumbing system. The Platinum Plan covers 19 items, all of the Gold Plan plus washer, dryer, heating system, air conditioner, and refrigerator. To keep the pricing down, you will need to pay for your First Premier Home Warranty policy for the year. If you pay annually, your Tennessee home warranty can be as low as $34 per month for the Gold Plan or $43 for the Platinum Plan. First Premier's service fee is at the industry average for home warranty companies in Tennessee. Below is the table for the monthly payments of a typical home warranty in TN.

Take a closer look at First Premier's plans:

  • Premier Gold Plan ($43 per month): This plan offers excellent coverage for an affordable cost. The Premier Gold Plan has 14 covered items, including ceiling fans, oven, cooktop exhaust, dishwasher, trash compactor, garbage disposal, ductwork, electrical system, garage door opener, microwave, plumbing system, stoppages, sump pump, and water heater. 
  • Premier Platinum Plan ($50 per month): The Premier Platinum Plan overs 19 systems and appliances, which is pretty extensive considering the low monthly premier. There are 19 total covered items, including the 15 in the Gold Plan plus air conditioning, heating system, washer, dryer, and refrigerator. 
  • Optional add-ons: There are 12 items offers for additional coverage from First Premier. Those are free-standing ice maker, roof leaks, stand-alone freezer, septic tank pumping, well pump, water softener, central vacuum, refrigerator ice maker, lawn sprinkler, septic, spa, and pool coverage. 

Plans

Cost Per Month

Service Fee

Gold Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying

“It was an honor getting service from the folks over at FIRST PREMIER home warranty, they provide courteous and quick response. No wonder there everybodys first pick for home warranties on all the sites thank yall!!! Special thanks to **** for helping me with this process." - Devin J.

Read our First Premier Review for more information.

Home Warranty Coverage in Tennessee Cities

What is a Home Warranty?

A home warranty is a type of service contract between you and a provider that protects you against the expensive costs to repair or replace systems and appliances. The typical coverages included are electrical system, plumbing system, refrigerator, HVAC, oven, microwave, septic systems, ductwork, washer, ceiling fans, and dryer. Each item comes with an annual coverage maximum, and you will pay a monthly premium for your home warranty policy.

Each time you have a home warranty-related issue, you will pay the service fee outlined in your contract that usually ranged from $60-$100. You will submit a claim through an online claims portal or phone number, then your provider will send a qualified technician to your home to fix the issue. Home warranties offer homeowners great peace of mind that they won't have to pull from their savings if a major home system breaks down.

Home warranties are great for anyone owning or renting homes. However, home warranties do not cover intentional damage, or damage caused by natural disasters, misuse or neglect. The contract only covers normal wear-and-tear of systems and appliances. 

How to Find the Best Home Warranty in Tennessee

Having the home warranty plans narrowed down to the top seven on the market is a significant step. Now it’s time to figure out which one is the exact plan for your needs. Here are a few of the ways that you can distinguish between the protection plan that will work best for your Tennessee home. 

Plan Choices 

With most Tennessee homes having to deal with a mixture of warm and cold weather, it is essential to ensure that the systems in your home are up and running. Choosing an affordable plan that covers both systems and appliances is the smartest thing for Tennessee homeowners. Choosing the plan that covers your most important items, such as air conditioning or heating system, will protect you bank account against unexpected breakdowns and replacement costs.

Coverage Caps

The coverage cap or limit is most likely that a home warranty plan will payout on a repair or replacement. Some companies set their coverage caps at around $500 and others closer to $3000. If you have a home with high-end appliances, look for a higher coverage cap. 

Service Fees

The service fees are paid each time you need a repair. Service fees tend to range in price from around $60 to $150. Choose a service fee that you will be able to afford each time it comes up. American Home Shield has customizable service fees to make this easier for Tennessee homeowners. 

Home Warranty Tips for Tennessee Residents

To answer this question, homeowners should take into consideration not only the age of the house but also its location. Geographically, Tennessee can be divided into three parts—east, middle, and west. Each one has different climate conditions that may influence the normal operation of home systems and appliances.

In the east, there are the Blue Ridge Mountains. The average elevation in this area is 5,000 feet above sea level. The population is sparse here, located mostly in the Great Valley. The weather in this area is usually more severe than in the rest of the state. There are more snow days, and the temperature in the winter is cooler. The lowest temperature was -32°F, recorded at Mountain City on December 30, 1917.

Image result for tennessee map

If you live in or around the major cities in the area, such as Knoxville or Chattanooga, it will make a lot of sense for you to cover your heating system under a home warranty. One of the best coverage options on the market is offered by Service Plus. They cover up to two heating system units per house of any type—gas, electric, or hot water—providing these are the primary heat sources in the house.

In Middle Tennessee, the climate is warmer and milder. This is where the majority of the state’s population lives, in cities like Nashville (the capital), Clarksville, and Murfreesboro. Middle Tennessee was a common destination for settlers from Virginia who crossed the Appalachian Mountains in the late 18th to early 19th century.

Homeowners who live in old houses may want to consider a comprehensive plan from one of the home warranty companies in Tennessee. We have collected the data on the top-ranking home warranty coverage plans together in one place so that you can choose the one that fits you best.

West Tennessee is located between the Mississippi River in the east and the Tennessee River in the west. Naturally, this area is characterized by high humidity, which may influence how home appliances operate.

If you live in Memphis, Jackson, Bartlett, or other cities in West Tennessee, it’s wise to buy home appliances that do not have any exposed metal parts that in humid climates may corrode quicker than in drier climes. Most home warranty companies in Tennessee do not provide coverage for repair due to corrosion.

For those homeowners who want to cover their home appliances only, Select Home Warranty offers the Bronze Care plan that includes a washer and dryer, refrigerator, stove or oven, built-in microwave, dishwasher, and garbage disposal.

As you can see, from Gatlinburg to Jackson to Nashville, there are plenty of reasons to invest in a home warranty plan for your Tennessee home. This is something that you will be glad you have in place when the time comes to use it. You can get a free quote from any of the providers recommended on this page in order to get your Tennessee home warranty set in place soon.

Home Warranty Regulations in Tennessee

Home warranties tend to offer some confusion for some Tennessee residents. Understanding that this is not an insurance policy, but instead, a warranty can bring up some really different questions. Luckily Tennessee residents can count on the Tennessee Department of Commerce and Insurance to help. Before investing in a plan, homeowners can contact the TDCI’s Consumer Affairs Division and ask them if the company is in good standing. If something should come up with how the protection plan is being managed or monitored, this is also where to file a complaint. 

Are You A First-Time Buyer? Check Out This Article!

Final Thoughts

Each year more people are moving to Tennessee to take advantage of everything that this great state has to offer. Cities like Nashville, Memphis, and Knoxville continue to show people that Tennessee is a great place to call home. However, to keep that home in excellent condition, choose a company like Choice Home Warranty to help. Choice Home Warranty offers more than 13 years in the industry, impressive customer service, and fair plan pricing. This is all that any Tennessee homeowner can ask for in their new policy.

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

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 best 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.

Resources for Tennessee Homeowners and Home Buyers

  • Tennessee Weatherization Benefits: For low-income families or elderly that need help getting their home to the point that it would be protected from the weather and elements. Tennessee Weatherization Benefits include things like storm windows or caulking to make a home safe and comfortable. 
  • Tennessee First Time Home Buyer Class: As a first time home buyer, it can be challenging to ensure that you are making the right decision. The Tennessee First Time Home Buyer Class helps new homeowners look into budgeting, insurance, warranties, DIY basics, and more. 
  • Tennessee Association of Community Action: The Tennessee Association of Community Action can help potential homeowners achieve their housing goals. In addition, the Tennessee Association of Community Action also allows homeowners to seek weatherization or other services if needed. 
  • Southeast Tennessee Resource Development and Conservation Council: Depending on where you live in Tennessee, there could be grants available to you. The grants are typically used for septic system repair in certain watersheds. 

Recap of Our Top Picks In Tennessee

  # 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

Nearby States

All states
Home warranty Georgia 42 companies available
Georgia Home Warranty
Home warranty Kentucky 39 companies available
Kentucky Home Warranty
Alabama flag
Home warranty Alabama 34 companies available
Alabama Home Warranty

Frequently Asked Questions in Tennessee

Below are just some of the frequently asked questions we receive about home warranties in Tennessee.

Q.

Is a Tennessee home warranty worth it?

A.
When just one appliance or system goes out in your home, you can be out hundreds or even thousands of dollars. A home warranty is worth it to give you peace of mind that when something like your HVAC breaks down, you won’t be on the hook for a huge repair bill. When you think about that times the protection of all your major systems and appliances, a home warranty is a solid investment. 
Q.

What are the best home warranty companies in Tennessee?

A.
We are constantly doing and redoing research on over 65 home warranty providers operating all over the US. Here are our top five picks for Tennessee.

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus
Q.

What do home warranties cover?

A.
What is not a disaster according to your homeowner’s insurance may well be a disaster to you--that’s where a home warranty is well worth it.

When appliances and systems in your home break down due to everyday wear and tear, a home warranty is there to help. Here’s what to look for in-home warranty coverage.

1. Most Common Coverage


Systems

  • HVAC including ductwork
  • Plumbing system including stoppages
  • Electrical system
  • Water heater

Appliances

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

2. What some cover

Some companies offer a variety of optional add-on coverage for less common things like:

  • Pool/Spa
  • Limited Roof Leaks
  • Sump Pump
  • Septic System

3. What few cover

It’s good to stand out from the crowd. To do this, some companies offer especially unique coverage. Select Home Warranty covers limited roof leaks on all policies, not just as an optional add-on. Liberty and AHS cover home electronics as an optional add-on. 
Q.

How much does a home warranty cost?

A.
The cost of a home warranty comes mainly in the form of a monthly premium. There are a variety of plans to choose from, but the most popular by far is a Combo Plan that covers all major appliances and systems in one policy. Here is the average cost of our top five providers’ Combo Plans.

Combo Plan
Monthly
Annually
Top 5 Average
$59
$708

The other cost to be aware of is the service call fee. Each time you contact the home warranty company with a claim and they send out a technician, there is a fee that ranges generally between around $75 to $125 depending on the provider and the monthly premium.
Q.

How do I choose a good home warranty?

A.
Here are three key steps in choosing the right home warranty for your Tennessee home. 

  1. Dig into the data - Find out who offers policies in your state. What kind of reputation do they have? Do they cover the things most important to you? Do the kind of research you are doing right now so you know what your best options are.
  2. Comparison shop - Get quotes for the coverage you want from several home warranty providers, so you are comparing apples to apples.
  3. Read the contract - Understand all the terms and conditions of the service agreement before you sign.