Best Home Warranty Companies in Tennessee (2023)

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.

Tennessee’s Best Home Warranty Companies in 2023

• Choice Home Warranty: Best Overall
• Select Home Warranty: Most Cost-Effective
• American Home Shield: Best Customizable Plans
• The Home Service Club: Fastest Service
• Liberty Home Guard: Most Trustworthy

Quick Comparison of Home Warranty Providers

Choice Home Warranty

• Our Take: Best Overall
• Average Annual Cost: $504-$639.96
• Response Time: Up to 48 hours

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. 

Plans and Pricing

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: 

• Basic Plan ($42/month): The Basic Plan from Choice Home Warranty is one of the few entry-level options in the industry that covers both appliances and home systems. As far as systems go, it includes your heating, electrical, and plumbing system, plus water heaters, toilets, ceiling fans, and HVAC ductwork. Appliance coverage includes stoves, dishwashers, microwaves, cooktop exhaust fans, and garbage disposals. It also includes some electronics, like garage door openers.
• Total Plan ($53.33/month): The Total Plan covers even more things, so it’s the more popular choice in Tennessee. This plan includes everything that’s covered by the Basic Plan, but it adds on air conditioners, washing machines, dryers, and refrigerators. For just over $10 more per month, most homeowners in TN find the Total Plan well worth the added investment.

Coverage

Choice Home Warranty offers a handful of add-on services that you can use to customize your coverage. These options include:

• Central vacuum
• Limited roof leak
• Septic system (excluding pumping)
• Septic tank pumping
• Sump pump
• Well pump
• Pool/Spa (excluding jets and liners)
• Second refrigerator
• Stand-alone freezer

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.

Select Home Warranty

• Our Take: Most Cost-Effective
• Average Annual Cost: $624-$684
• Response Time: Up to 48 hours

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. 

Plans and Pricing

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: 

• Bronze Plan ($52/month): The Bronze Plan is the appliance-only option from Select Home Warranty. It covers refrigerators, stoves, cooktops, garbage disposals, microwaves, washers, and dryers. This plan might seem a bit on the expensive side for appliance-only coverage, but it includes coverage for all major home appliances, including refrigerators.
• Gold Plan ($52/month): The Gold Plan is a better option for homeowners who need home system coverage and don’t need a warranty for their appliances. This plan includes coverage for heating, electrical, and plumbing systems, including components like HVAC ductwork, water heaters, and air conditioners.
• Platinum Plan ($57/month): The Platinum Plan is the most comprehensive option from Select Home Warranty and also the most popular. It’s just $5 more each month than the other plans, but it combines the coverage of both for full home protection. It also adds plumbing stoppages, ceiling fans, and garage door openers.

Coverage

Select Home Warranty provides some add-on coverage options as well, including:

• Pool (doesn’t cover jets or liners)
• Spa
• Septic system (including pumping)
• Well pump
• Sump pump
• Lawn sprinkler system
• Roof leaks (limited)
• Central vacuum
• Stand-alone freezer

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

• Our Take: Best Customizable Plans
• Average Annual Cost: $419.88-$779.88
• Response Time: Up to 48 hours

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. 

Plans and Pricing

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: 

• ShieldSilver ($39.99/month): The ShieldSilver plan covers home systems only, making it suitable for those who don’t need appliance warranties. This plan covers heating, plumbing, and electrical systems, air conditioners, water heaters, HVAC ductwork, and more. It also includes coverage for some electronics, like garage door openers and smoke alarms.
• ShieldGold ($49.99/month): The ShieldGold plan is the other basic option from AHS, covering appliances and excluding all home systems. It includes coverage for major appliances like stoves, refrigerators, cooktops, dishwashers, clothes washers, and dryers. You also get coverage for minor appliances and electronics, including microwaves, water dispensers, and garbage disposals.
• ShieldPlatinum ($64.99/month): The ShieldPlatinum plan offers the most comprehensive coverage, which is why it’s the most expensive. It includes everything in both the Silver and Gold plans at a fraction of the price and comes with lower service fees. The Platinum plan also adds on unlimited AC refrigerant replacement, a free HVAC system tune-up once per year, coverage for permits and code violations, roof leak coverage, and more. The coverage caps are also higher in this plan than in the other two.

Coverage

American Home Shield also has some add-on coverage options that you can include with any plan:

• Electronic extended warranty (excluding TVs and computers)
• Pool and spas (excluding jets and liners)
• Well pump
• Septic pump (including pumping)
• Guest unit
• PC and TV

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

• Our Take: Fastest Service
• Average Annual Cost: $600-$756
• Response Time: Within 24 hours

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.

Plans and Pricing

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:

• Standard Coverage Plan ($50/month): The Standard Plan is the basic plan from The Home Service Club, but it still provides excellent coverage for appliances and home systems. It covers heating, air conditioning, and electrical systems, plumbing leaks, water heaters, garbage disposals, central vacuum, and ceiling fans. In terms of appliances, you’ll get protection for your stove, dishwasher, refrigerator, oven, microwave, clothes washer, dryer, and more.
• Comprehensive Coverage Plan ($63/month): The Comprehensive Plan includes even more coverage to keep you and your home protected. It includes everything in the Standard Coverage Plan, plus many other options. For just $13 more per month, you also get protection for garbage disposals, gas leaks, plumbing blockages, ceiling fans, pest control, sump pumps, alarm wiring, phone wiring, and much more. This is a far more comprehensive plan that is more popular in Tennessee.

Coverage

The Home Service Club also provides access to many different add-on coverage options to keep your home fully protected, including:

• Utility line coverage package (includes outside water, gas, and electric lines, sewer lines, sprinkler system, and more)
• Pools and spas (equipment is separate)
• Pool and spa equipment
• Spa heaters
• Sprinkler systems
• Built-in refrigerators
• Stand-alone freezers
• Roof damage
• Well pumps
• Water softeners
• Jetted bathtub
• Sewer ejector pump
• And more

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

• Our Take: Most Trustworthy
• Average Annual Cost: $779.88-$899.88
• Response Time: Within 24 hours

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.

Plans and Pricing

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: 

• Appliance Guard ($64.99/month): The Appliance Guard plan covers most appliances, but home systems are not covered at all. Covered items include refrigerators, stoves, microwaves, dishwashers, ice makers, cooktop exhaust fans, garbage disposals, clothes dryers, washers, garage door openers, and ceiling fans. This is one of the more expensive appliance-only options in the industry.
• Systems Guard ($69.99/month): The Systems Guard plan excludes all appliances and instead offers coverage for home systems only. It includes heating, electrical, plumbing, and air conditioning systems, plus water heaters, toilets, HVAC ductwork, and bathroom exhaust fans.
• Total Home Guard ($74.99/month): As the name implies, the Total Home Guard plan is a more comprehensive option that includes everything in the Appliance Guard and the Systems Guard plans. This option is just a touch higher in price than the others but offers far more bang for your buck.

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.

• Pool and spa (doesn’t include liners or jets)
• Additional spa
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser (instant hot and cold)

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.

Home Warranties in Tennessee Cities

How Much Does a Home Warranty in Tennessee Cost?

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

Compare the Best Home Warranty Companies in Tennessee

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

Final Thoughts

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. 

How to Choose the Best Home Warranty in Tennessee

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. 

• Plan Choices: Each home warranty company will have several plans to choose from. Some of these plans are going to have a combination of systems and appliances; others will have more limited coverages. Write down a list of coverage you want for your home, and then find the plan that most closely matches.  
• Customer Reviews: Reading customer reviews will help you see how companies handle issues with repairs and replacements. Look for things about the speed of service, effectiveness of the repair, and overall reliability of the company. 
• Coverage Limits: The coverage limits ensure that your repair will be paid for by the policy in place. Most plans have coverage caps or limits in the $500 to $3000 range. If you have high-end appliances or systems, pay attention to these caps.

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.

What is a Home Warranty?

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.

Home Warranty vs. Homeowners Insurance

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.

How Does a Home Warranty in Tennessee Work?

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:

• Identify a problem with an appliance or home system in your house that is covered by your home warranty
• File a claim to request service from your warranty provider. This is usually done online or via phone
• Wait for the home service technician to complete the home inspection and repair the issue or replace the damaged appliance or system component
• Pay the service fee charge, which is the only out-of-pocket cost to you in most cases

What does a Home Warranty Cover?

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.

What is Not Covered by a Home Warranty?

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.

Biggest Complaints about Home Warranty Companies in Tennessee

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.

Are home warranties worth it?

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.

House Method Home Warranty Ranking Methodology

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:

• Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
• Prices: How reasonable are the monthly and service fees compared to the industry average? We compared the costs of each company to competitors.
• Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
• Customer service: How is the customer experience when calling the providers? Based on our phone calls, we judged each company’s customer service.
• Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
• Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
• Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that set them apart from the competition.

Additional Tennessee Home Warranty Resources