Looking for the best home warranty in Tennessee?

Perfect, you’re in the right spot. In this guide, you’ll learn:

  • What does a home warranty in Tennessee cost & is worth it?
  • What’s included in Tennessee’s best home warranty?
  • Who has the best home warranty for Tennessee residents?

We’ve reviewed over 65 home warranty companies to help you find the best warranty in Tennessee.  These are the top three we recommend:

Editor's Choice

Limited Time: New Customers Get $50 Off
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Best Overall

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

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in Tennessee

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $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 97.0
  • 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 96.5
  • $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 96.1
  • $200 off + 2 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 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • 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.

Is it a good idea to buy a home warranty in Tennessee?

The main reason why Tennessee residents buy a home warranty is to save money on home repairs, which may end up costing a lot. If, for example, your heating system malfunctions, fixing a heat pump may cost you over $500, and a water heater will be over $800. A comprehensive home warranty plan, on the other hand, may only cost you around $40 per month.

To help you decide whether a home warranty is worth it, we created the Home Maintenance Calculator. When you enter the age of your house and how many repairs per year you have or expect to have, you will immediately see how the maintenance cost compares to that of a home warranty.

More than sixty-five percent of the Tennessee population live in their own houses. If you are one of the lucky homeowners who purchased a brand new house with everything covered under a manufacturer’s warranty, you might not need a home warranty for a few more years. For most repairs, manufacturer’s and home warranties cannot be combined.

The closer the age of the house is to the 10-year mark, the more likely you will benefit from having a home warranty. The median year of a house built in Tennessee is 1982, so buying a home warranty would be a good choice for the majority of homeowners in the Volunteer State.

What should be covered under a home warranty in Tennessee?

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.

Image result for tennessee map

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.

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 sources of heat 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.

Another factor that may contribute to the normal wear and tear of appliances is power grid reliability. Tennessee is ranked 43 out of 50 due to the number of power outages every year.

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

Best Home Warranties in Tennessee Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).


  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 


  • Only 15 Home Appliances & Systems Covered 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions


  • Most Expensive


Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan


  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.


  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company


  • Must report your issues within one day of noticing a problem

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • You Can Choose Your Own Technicians
  • Roof Coverage


  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Final words about buying a home warranty in Tennessee

For any homeowner, it is always good to know that in case something happens to their home systems or appliances, everything will be fixed or replaced on time without any big expense. This is why more and more homeowners in Tennessee purchase a home warranty.

Finding a reliable home warranty company that will cover all that you need is not an easy task. Some companies provide better coverage for home systems, while others specialize in kitchen and laundry appliances.

In order to help you find the right home warranty plan, ReviewHomeWarranties has collected information on the coverage policies from the top companies in Tennessee, including company credibility, terms and conditions, costs and fees, and consumer feedback.

Please read our reviews before you purchase a home warranty and make an educated decision on whether you need a home warranty at all, and if so, which company and plan will fit you best.

Looking for a home warranty in a nearby state? Check out our comprehensive reviews on states like Mississippi.

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Frequently Asked Questions in Tennessee

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


Is a Tennessee home warranty worth it?

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. 

What are the best home warranty companies in Tennessee?

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

What do home warranties cover?

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


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


  • 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. 

How much does a home warranty cost?

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
Top 5 Average

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.

How do I choose a good home warranty?

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.