By Dan Simms
Updated Jan 10, 2023
By Dan Simms
Updated Jan 10, 2023
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Tennessee is becoming one of the most popular states in the nation to move to. With Florida getting a bit crowded and Tennessee having no state income tax, many homeowners are finding that the climate and features of Tennessee are a perfect match for them. With all the great things that Tennessee homeownership brings, there are still issues at times with the upkeep of a home.
Home warranties can save any homeowner a significant amount of money, regardless of the location, but they’re especially helpful in Tennessee. The state is prone to tropical cyclones that can promote roof leaking, tornadoes that can gradually wear down roof material, and temperature highs and lows that put immense strain on heating and cooling systems. A home warranty can protect against damages that result from these weather patterns. We consider these factors and more when ranking the best home warranty companies in Tennessee.
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House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
Choice Home Warranty is the best overall home warranty in the state of Tennessee. With Choice Home Warranty having been in the business for 13 years, they have still managed to maintain a solid B rating with the BBB. You will notice that Choice is very easy to communicate with, and they lay out their plan choices very simply. You will not be overwhelmed with fine print and exclusions when purchasing the Choice Home Warranty plan. In addition, it is good to know that Choice Home Warranty will not turn down older homes. Regardless of the age of your Tennessee home, Choice Home Warranty can help.
Pros
Cons
There are only two plan choices from Choice Home Warranty. Although this may seem as though it is a bit limited, both plans are comprehensive plans or combo plans. This means that they each will cover a mix of systems and appliances. The overall costs associated with the plans are quite fair and there are plenty of add-on options for Tennessee homeowners to customize their plans. The coverage caps are relatively high and provide great peace of mind, and the service fee for this company is $85, which is the industry average.
Here’s a detailed look at Choice Home Warranty’s coverage:
Choice Home Warranty offers a handful of add-on services that you can use to customize your coverage. These options include:
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
For more information, read our Choice Home Warranty Review.
The Select Home Warranty is the most cost-effective home warranty option for Tennessee homeowners. If cost is a major concern for you in choosing a home warranty, take a look at the Select Home Warranty policies. Select Home Warranty has been in the home warranty business for just less than ten years. They have spent their time qualifying service technicians and making sure customer needs are adequately taken care of. In addition, American Home Shield has added free roof leak coverage to all of its policies. This is a paid add-on for all other home warranty companies on the market.
Pros
Cons
The three plans that Select Home Warranty offers are quite standard to the home warranty industry. You will find a systems plan, appliance plan, and combo plan. Between one of these three choices, you will be able to find affordable and appropriate coverage for your home. In addition, Select Home Warranty comes with a wide range of add-on options to increase the coverage of your plan. The annual cost averages around $650, and the service call fee is only $60, making Select an affordable option.
Here’s a detailed look at Select Home Warranty’s coverage:
Select Home Warranty provides some add-on coverage options as well, including:
Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.
Read our Select Home Warranty review to learn more.
American Home Shield is the most customizable plan in the state of Tennessee. Most home warranty plans will give you a few options to choose from and you will have to select between these choices. However, with the American Home Shield plan, you can customize and build your plan to fit the specific needs of your Tennessee home. The American Home Shield plan has been on the market for more than 50 years. The customization of plan choices and plan pricing are what give American Home Shield its premium position in the industry. If you want a trusted and high-quality company, AHS could be the best choice.
Pros
Cons
There are three American Home Shield plans to choose from. The combination of comprehensive plans is the most popular as they provide a mix of appliance and system coverage. In addition to the three plan choices, you will also find that there are add-on coverages to help protect things like your pool or spa. For Tennessee homeowners that have lots of additional systems and appliances, AHS coverage is quite broad. The coverage caps can reach as high as $3,000 or be unlimited, and you can also customize your service fee between $75 and $150, depending on your needs.
Here’s a detailed look at American Home Shield’s coverage:
American Home Shield also has some add-on coverage options that you can include with any plan:
To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.
To read more, visit our American Home Shield review.
The Home Service Club has been serving the home warranty industry since 2008, which gives it a leg up on other providers that have less experience. Two things set this company apart from the competition: a massive range of coverage and protection that kicks in in just ten days. The company maintains generally positive customer reviews, although it’s not yet accredited by the Better Business Bureau. The coverage options and wide range of add-ons make The Home Service Club a popular choice among homeowners looking for ultimate peace of mind.
Pros
Cons
The Home Service Club has two plan options and a massive range of add-on products for customization. The Standard Coverage Plan is the company’s basic plan, although it includes many appliances and home systems. The Comprehensive Plan adds far more coverage options at a relatively low increase in the cost per month. The coverage caps from HSC range from $500 up to $2,500. You can choose a service fee between $65 and $125 to meet your needs and budget.
Here’s a detailed look at The Home Service Club’s coverage:
The Home Service Club also provides access to many different add-on coverage options to keep your home fully protected, including:
Want a free quote from The Home Service Club? Just fill out this brief contact form or call the company at 800-842-9334.
For more information on this company, you can check out our complete The Home Service Club review.
Liberty Home Guard is the most trustworthy home warranty in the state of Tennessee. When a two-year-old company is able to get an A rating with the BBB, they are certainly doing something right. The Liberty Home Guard warranty is one of the newer plans on the market, but their coverage and customer service have stood out as some of the best around. With Liberty Home Guard, the system and appliance coverage are so broad you can ensure that all of your Tennessee homes have the coverage that it needs.
Pros
Cons
There are three Liberty Home Guard plans to choose from. There is an appliance plan, a system plan, and a combo plan. The Liberty Home Guard plans are priced slightly higher than some other plans on the market, primarily because of the broad range of coverage they offer. Try to remember that a cheap plan is not always going to make the most sense if the coverage is not adequate. In addition to the three plans, there are many add-on options that you can combine with your plan. The company has a higher annual price averaging around $840, but the service fee is below average at just $75.
Here’s a detailed look at Liberty Home Guard’s coverage:
Liberty Home Guard not only has one of the most comprehensive home warranty plans in the industry, but it also offers a massive range of add-on coverage options for ultimate coverage customization.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
To learn more information, visit our Liberty Home Guard review.
The average home warranty cost in Tennessee falls anywhere between $40 and $80 per month. Some plan choices will allow you to pay for the entire year in advance and save a bit of money. In addition, when you start adding optional coverages to the plan, you can expect to pay quite a bit more money. The average service fee is around $85 but can range from $60 to $150. Most plans offer some customization options as well, which can influence your price quite a bit.
Overall | $724.91 |
Single Family | $608.54 |
Multi Family | $1,093.43 |
Townhome | $499.79 |
Condo | $601.11 |
Duplex | $879.78 |
Home Over 5,000 sq ft | $1,294.73 |
Home Under 5,000 sq ft | $648.37 |
Home Warranty Company | Choice Home Warranty | Select Home Warranty | American Home Shield | The Home Service Club | Liberty Home Guard |
Our Rating | 9.7 | 9.5 | 9.6 | 9.4 | 9.3 |
Best For | Best Overall | Most Cost-Effective Plans | Best Customization Options | Fastest Service | Most Trustworthy |
Average Cost | $50 per month | $60 per month | $45 per month | $56 per month | $70 per month |
Service Fee | $85 | $75 | $75-$125 | $75 | $60 |
Annual Limit | $3,000 | $2,000 | $3,000 to unlimited | $350-$2,000 | $2,000-$2,500 |
Average Response Time | Up to 48 hours | Up to 48 hours | Up to 48 hours | Within 24 hours | Within 24 hours |
State Availability | 49 States | 46 States | 49 States | 50 States | 48 States |
Online Chat / Mobile App | No | No | No | No | Online Chat |
Quote | Get Quote | Get Quote | Get Quote | Get Quote | Get Quote |
Hopefully, you now feel a bit more confident in your ability to choose a home warranty for your Tennessee home. Each of these five plans is going to offer impressive repair service, positive customer reviews, trustworthiness, and fair pricing. The best overall plan for Tennessee homeowners is the Choice Home Warranty. With the time spent in the industry, the fair pricing, and the ease of working with Choice Home Warranty, this is not a plan that will disappoint you. Don’t be afraid to get multiple home warranty quotes when you are searching for a great plan.
Getting these companies narrowed down to the top five in the industry is a great start. However, it’s now time for you to choose the plan that is best for your Tennessee home. There are a few essential things to consider when you are purchasing a home warranty. Three that you should keep an eye out for are plan choices, customer reviews, and coverage limits.
In addition to the general considerations above that apply to all states, Tennessee homeowners will need to consider additional factors that are more local and can influence the coverage they need.
For example, areas like Memphis experience highs in the high-80s during the summer and lows below freezing in the winter. These temperature swings mean that most residents will be calling on their heating and air conditioning systems nearly year-round. The added strain on those systems can cause them to break down, and having a home warranty that covers these systems can end up saving you a significant amount of money.
Additionally, Tennessee experiences tropical cyclones and gets over 51 inches of rain annually, which is well above the national average. These weather conditions can promote roof leaking, which can get very expensive to fix. As such, it might be wise to choose a home warranty that covers roof leaks, as you’re more likely to use that coverage in an area like Tennessee.
A home warranty is a home protection plan for things that aren’t typically covered by homeowners insurance. For example, some plans cover appliances and will include maintenance or replacement if your covered appliances break down. Others offer coverage for home systems, like plumbing, heating, and electrical work in your home.
Most home warranties require that you pay a service call fee, which averages around $85 per claim you file. However, in many cases, this is the only out-of-pocket cost you’ll have, meaning you can save huge amounts of money on repairs, maintenance, and replacement by having coverage.
A home warranty is similar to homeowners insurance in some ways. First, they both provide financial assistance when you experience some type of issue in your home. They also require a deductible to be paid when you do have an issue, although the amount differs greatly.
There are some important differences that set home warranties and home insurance apart. The first major difference is what they cover. Homeowners insurance usually covers your entire home and will provide a large payout in the case of a natural disaster. Home warranties cover individual appliances and home systems, so they provide much smaller payouts but are significantly more affordable.
Another important distinction to understand is when the coverage kicks in. For homeowners insurance, you typically need some large amount of damage caused by a natural disaster or another person’s negligence before you get coverage. For example, a fallen tree, a tornado or hurricane, or a flood would typically cause homeowners insurance to kick in. A home warranty provides coverage for much less, like appliance breakdowns or home system failures from old age.
Finally, while both have the equivalent of a deductible, the amount you’d pay out of pocket varies wildly. Homeowners insurance normally has a high deductible amount that can reach into the thousands before the coverage will begin. A home warranty only has a service fee, which averages around $85 per claim.
from our #1 home warranty warranty provider
Securing coverage with a home warranty is a straightforward process. You first need to choose the best home warranty company for your needs and budget and then select the plan that works best for you. Once you make payment for the plan, coverage will kick in between 10 and 90 days in most cases, after which you’ll be fully covered.
The steps for filing a claim with your home warranty provider are straightforward:
Different companies provide varying home warranty coverage, so it’s hard to say what coverage yours will include. However, most home warranties cover home appliances, major systems, or both.
Common appliances covered include refrigerators, ovens, cooktops, dishwashers, garbage disposals, microwaves, clothes washers, and dryers. Other minor appliances could be covered as well. Common home systems covered include plumbing, heating, electrical, and air conditioning systems. Many plans also cover ceiling fans, garage door openers, and other components throughout your home.
In most cases, you’ll also have add-on coverage options, which let you customize your coverage and get exactly what you need for the lowest price possible. Some typical add-on options include pools, spas, sprinkler systems, roof leaks, and more.
Each home warranty can have its own exclusions, so they can vary in the specific items that aren’t included. You should check your service contract for any exclusions. However, most warranties don’t cover damage caused by improper maintenance, intentional damage, pre-existing issues with your home, or cosmetic repairs.
Most homeowners are happy with the coverage they receive from their home warranty, but there are some complaints we see more often in Tennessee than in other areas. One of the biggest complaints from homeowners in the area is that their service provider denied coverage for items that appear to be covered.
In some cases, this is due to specific exclusions. For example, your plan might cover pools but exclude pool liners, so damage to your liner would not be covered, even though your pool is. Make sure you understand your provider’s service contract to avoid issues.
In other cases, the denied coverage is due to companies with a poor reputation for payouts. Every time you need coverage, your home warranty provider loses money, so some less reputable companies might deny coverage to try to save. It’s crucial that you choose a trusted company in this industry, like the ones we have reviewed above.
Finally, some Tennessee residents complain that their out-of-pocket costs with a claim were higher than expected. You should always check your company’s coverage caps to see the maximum amount it will pay out. In some cases — like refrigerator replacement — the coverage cap might be less than the cost of repair. You’ll be responsible for the difference in that case, so make sure you understand your coverage caps before signing any contracts.
It’s impossible to say whether or not a home warranty will be worth the investment for you without inspecting your home first. However, most Tennessee residents do find that their home warranties save them money in the long run.
Doing a quick cost and value analysis will help understand why home warranties are so valuable. The average cost of a home warranty is around $680 per year, and you’ll have to pay an average of $85 per service call if you run into problems in your home.
This might seem like a high cost for coverage, but now consider what you’d save if you had coverage. An average plumber service call costs around $300. An average service call to an electrician or HVAC tech will cost $275. Any repairs these professionals need to complete can range from an additional $50 to several thousand, depending on the extent of the issue. Similarly, replacing appliances can range from $300 to over $2,500, and repairs cost several hundreds of dollars as well. In all of these cases, a home warranty would be well worth the investment.
For many homeowners, the peace of mind knowing that there will be no massive and unexpected home improvement costs for the duration of their home warranty contract is enough value to justify the cost of a home warranty.
The best home warranty in Tennessee is Choice Home Warranty. Choice has spent the last 13 years in the home warranty industry and they have two comprehensive plan options to choose from. The plans are fairly priced and have average service fees to go along with the plans.
Most home warranties are going to cover costs related to replacement as well as repair. The replacement costs are not always going to cover the price of a brand new appliance or system, however, they will give you quite a bit of money towards your replacement. It is certainly better to have the coverage in place, than not to have it.
Most home warranty companies offer roof coverage in some capacity. Some companies — like Choice Home Warranty — include it in their basic plans, while most others offer it as an add-on service for a higher per-month fee. Roof coverage is especially important in Tennessee, where residents experience more than 1.5x the national average amount of rainfall, so be sure to check your service contract for coverage before signing.
Every homeowner can benefit greatly from a home warranty. However, there are some cases where it’s more advantageous than others.
For example, a first-time home buyer moving into a home of unknown integrity will find that a home warranty prevents post-closing repair costs and provides much-needed peace of mind after buying a new home. Real estate sellers can also benefit from home warranties, as they can cover repairs required by the buyer or pass inspection prior to closing.
Home warranties are also particularly useful for homeowners who live in dated properties. Homes approaching 40 years old are more likely to start showing signs of aging, and a home warranty can turn those unexpected repair and maintenance costs into a much more manageable service fee.
At House Method, transparency and trust are our most important values for the reader. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home.
Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
Additional Tennessee Home Warranty Resources
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