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!

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 as we give you the top seven home warranty plans for your Tennessee home.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
96.5

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 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.

Top 7 Best Home Warranty Companies in Tennessee:

Compare Tennessee Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

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 the state of 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. 

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 and Pricing 

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.

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

Coverage

Choice Home Warranty does a great job of covering the major systems and appliances in a home, everything from your dishwasher to your electrical system. If something is not part of the basic coverages, there are also add-on options from Choice Home Warranty. In addition, the coverage caps are usually more than $2500 for most of Choice Home Warranty’s covered items. Some of the most popular covered items to include in your Tennessee home warranty are . . . 

  • Plumbing system 
  • Washing Machine
  • Electrical System 
  • HVAC system
  • Oven   

What Customers Are Saying: 

Customer reviews via bestcompany.com:

"They've always been right there for us any time we have had to use them. They're very friendly and they're just very very professional. I used it recently on my air conditioner. My experience with the guy they sent out was awesome. He addressed the problem immediately, no questions asked. He took care of the problem with no issues. Every time they have sent someone out, they've just been very professional and have addressed the problem immediately."

They are knowledgeable, friendly, and professional. The repair person came out, and he was outfitted with his mask because of the virus; and he came in and inspected the appliance and told me what was wrong and what needed to be done. Then he had the parts, and he repaired it and was on his way. They are very responsive and prompt.” 

"We're satisfied customers. They always deliver. Recently we had a water heater and pipe issue and Choice got in touch with a service provider and they came out in two days. It was good because it was right before Christmas. It was a really good experience. I also like that they assured me I would be able to speak to someone in the United States when I called customer service."

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. 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. 

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

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. 

Plans

Cost Per Month

Service Fee

ShieldSilver

$45

$75 - $125

ShieldGold

$55

$75 - $125

ShieldPlatinum

$79

$75 - $125

Coverage 

The great thing about American Home Shield is that you don’t have to pay for coverage you don’t need. If you are specifically worried about your well pump and your electrical system, build a policy with these two covered items as the main benefits. Here are some of the more popular coverages under the American Home Shield Platinum Plan. 

  • Heating system 
  • Refrigerator
  • Dishwasher 
  • Oven
  • Garbage Disposal 

What Customers Are Saying

BBB customer reviews:

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!”

"Over the past two years we have used our warranty on two occasions. Both times the response time was prompt and the service was professional. We have recommended AHS to our friends and family"

"Repairman came out on time and saw my washer was not repairable, so he made the phone call to AHS to let them know. I received an email from AHS the same afternoon and was told I could order a new washer comparable to what I had from the list they had, or i could take a cash option. I chose a washer on their list and 1 week later it was delivered and installed and the old one was hauled off. It was easy, fast and professional. I love having AHS."

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. The Select Home Warranty has been on the market for nine years and is trusted in workmanship. 

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 and Pricing

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. 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.

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$60

Bronze Care

$60.42

$60

Platinum Care

$65.83

$60

Coverage

Select Home Warranty has adequate coverage for your Tennessee home; however, the pricing is lower sometimes because of lower policy limits and a few exclusions on the home warranty plan. Although you get the free roof leak coverage with every policy, you may need to add a few optional coverages to satisfy the overall plan completely. Some of the most popular coverages from Select Home Warranty include . . .

  • Heating systems 
  • Cooktops
  • Plumbing system 
  • Refrigerators 
  • Electrical systems 

What Customers Are Saying

Customer reviews via bestcompany.com:

I took out a Home / Pool Warranty with Select Home Warranty two years ago when my wife and I took ownership of our house and have renewed it last year as well as this year mainly because the price has been competitive and the one time I had to have a technician come out to look at our clothes washing machine I was satisfied with his expertise. I'm happy to say that I am a satisfied Select customer thus far.”

"When we needed them, the fellow who called on us was absolutely terrific and he knew what he was doing. He was courteous and professional. We needed it on a dishwasher. The fellow came out on time and he checked the whole system in case it was an interior panel that was going bad. He did his job and above his job and was extremely professional and polite. They've done everything they promised to do."

"We just purchased a policy for our home from Jake H. He was excellent! He was most helpful, knowledgeable, and assertive, but not pushy (we liked that). We thoroughly enjoyed talking to him. He also gave us a great deal for our home. I highly recommend him. Thank you, Jake, for taking the time to explain things to us, and going over all our options. It was a pleasure"

Read our Select Home Warranty Review to learn more information.

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a highly rated home warranty company in Tennessee. To know that other Tennessee residents are happy with their home warranty plan is undoubtedly a great benefit. Liberty Home Guard is a relatively new company, yet they have really brought some impressive coverage to the market. In addition, Liberty Home Guard has an A rating with the BBB. 

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 and Pricing

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. As you can see in the table below, Total Home Guard is just a few dollars more per month 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. 

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$75

Appliance Guard

$74.99

$75

Total Home Guard

$79.99

$75

Coverage

Coverage is another area where Liberty Home Guard will stand out. It is almost overwhelming when you look at the list of optional coverages that you can add to your LHG plan. Some of the more popular coverages included in the Total Home Guard policy include . . . 

  • Garbage disposal
  • Washer
  • Air Duct
  • Plumbing System 
  • HVAC

What Customers Are Saying

Customer reviews via bestcompany.com:

They were able to get a replacement microwave over to my house in a faster time than my previous home warranty company (American Home Shield) was able to get a technician to arrive and diagnose an issue. If you are getting a home warranty, you absolutely should go with Liberty Home Guard.” 

"The technician was very polite and knowledgeable. He diagnosed the issue thoroughly. I am waiting on Liberty now for next steps. We need a replacement unit and I hope they don’t give us a hard time. If they do I will be updating this review to reflect as such. Thanks."

"I have had a good experience with Liberty Home Guard. I’ve used my policy with them several times since I purchased a new home. Rachel from Liberty’s customer service was wonderful and the repair people that have been at my house to fix my broken items have been high quality. So far I’m glad I went with Liberty."

Learn more information with our Liberty Home Guard Review.

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in Tennessee. When your heating system goes down before a Tennessee snowstorm, you will need fast service. ServicePlus will dispatch a technician and, in some areas, can have a repair completed in less than 24 hours. You won’t realize home important an emergency service is until you need it. Always keep the speed of service in mind when choosing a home warranty policy.  

Pros 

Cons

High-quality service technicians

Some emergency services will come with an upcharge or higher fee

Simple contracts

 

Fastest service in Tennessee 

 

An extensive network of repair technicians to get you faster service 

 

Plans and Pricing

ServicePlus likes to keep things simple with just two home warranty plans to choose from: the Gold Plan and the Platinum Plan. Each of the plans offers fair pricing and a mix of both systems and appliances. The Gold Plan covers 13 items, including spa, ceiling fans, and your electrical system. The Platinum Plan covers those 13 plus five more items: washer, dryer, refrigerator, heating system, and air conditioning. For both plans being priced under $61, this is a very affordable Tennessee home warranty.

In addition, the service fee for Service Plus home warranty policies is quite fairly priced at $75 per service call.

Plans

Cost Per Month

Service Fee

Gold Plan

$53.67

$75

Platinum Plan

$60.33

$75

Coverage

The ServicePlus home warranty offers adequate coverages for your home. Some companies like American Home Shield may have broader coverage options, but the pricing will be reflected in this. You must choose a policy that meets the needs of your specific home. 

  • Dishwasher
  • Garbage disposal
  • Garage Door Opener 
  • Plumbing System  
  • Refrigerator 

What Customers Are Saying

BBB customer reviews:

“I didn’t anticipate investing as much money as I did into maintaining my home, so my savings depleted very quickly. However, a friend recommended I get a warranty, and I ended up getting one from Total home protection. It’s been a great move for me and my bank account. My deductible payment is affordable, and the timeliness of their service has kept me a loyal customer. I feel like I made a very informed decision with this purchase. All you have to do is put in a claim online, and someone contacts you pretty quickly. I had my oven fixed last week after finding that there was a shortage in it. Great, very useful service.” 

"My air conditioner broke on Thursday and I filed a claim with THP the same day, the next day a technician arrived at my home and fixed the problem on the spot. Decent prices, excellent customer service and fast responses to claims. I am extremely happy with the services provided by this company."

"You never know how good a policy is until you have to claim. This is a fabulous company with excellent staff who provide knowledgeable, attentive and efficient customer service to clients. Highly recommend."

Read our in-depth ServicePlus Review to learn more.

6. 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. First Premier Home Warranty has only been on the market for about a year, yet they have very high BBB ratings. 

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 

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.

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage

The way we like to describe the First Premier Home Warranty is almost like blanket coverage for your home. There are plenty of covered items and systems, but the limits on these repairs will be a bit lower than other companies. If having lots of coverage helps you have more peace of mind, then First Premier is a great option to consider. Some of the most popular covered items include . . . 

  • Refrigerators
  • Oven
  • Water heater
  • Plumbing system

What Customers Are Saying

Customer reviews via bestcompany.com:

First Premier covered my dishwasher issue in full, quickly and efficiently. Very satisfied with the service and technician. Thank you, and keep up the great service.” 

"First Premier Home Warranty is a solid choice in home warranty. They offer several plans and from my experience the associates took the time to explained the different levels. I appreciate them not trying to "up-sell" on a plan I truly didn't. They helped me understand what plan and price best fits my families life style and our current location. First Premier brings trust to this industry, and I'm genuinely grateful."

"We had our ice maker break and we filed a claim online and in less than a week they had a very competent and knowledgeable technician out to our home and fixed the ice maker, Much better service than our previous warranty"

Read our First Premier Review for more information.

7. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship in any of the Tennessee home warranty policies. 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. A long workmanship guarantee also typically means higher-quality repair technicians. 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 and Pricing

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.

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

Coverage

After nearly 40 years in the home warranty industry, Cinch Home Services is considered to be an expert. The policy limits will range from $1000-$2000, which is quite fair considering the broad range of covered items. Some of the most popular Cinch Home Services coverages include . . . 

  • Septic tank
  • Sump Pump 
  • Ice Maker
  • Refrigerators
  • Plumbing System  

What Customers Are Saying

Trustpilot customer reviews:

Researched several companies, and Cinch had the best policy, and the cost is very reasonable. I would recommend them if you're looking for a home warranty.” 

"Very helpful. Other companies I had contacted were pushy and abrupt. I wanted to know up-front about costs and payment options. I was immediately impressed by the Sales Rep and was able obtain exactly what I was looking for at a very good price."

"Knowledgeable, patient, clear in explaining the policy and what would happen next. Very courteous and helpful."

Learn more from out Cinch Home Services Review.

Home Warranty Coverage in Tennessee Cities

What You Should Consider Before Buying A 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 97.50
  • $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 97.00
  • 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 96.50
  • $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 96.10
  • $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 95.50
  • $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 95.30
  • Lower chance of claim denial
  • Choose your own service fee!
  • Multiple optional coverage items
  • Limited plan selection
  • Online chat not supported
  # 7 Cinch Home Services
Editorial Rating 95.00
  • 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

Nearby States

All states
Home warranty Georgia 42 companies available
Georgia Home Warranty
Home warranty Kentucky 38 companies available
Kentucky Home Warranty
Alabama flag
Home warranty Alabama 33 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.