Best Home Warranty Companies in Tennessee

How much money do you have in your emergency savings account? If you’re like most Americans, you probably wouldn’t be able to cover an unexpected $500 repair bill. This means that if you own your home, even a minor appliance or system breakdown can throw you into debt.

A home warranty can help cover unexpected repairs at a fraction of the cost you’d typically have to pay. In exchange for a monthly or annual premium and a per-incident service fee, your home warranty provider will cover any repair expenses, preventing you from paying for something you can’t afford. If this sounds like a policy you would benefit from, read our guide on the best home warranty companies in the Volunteer State to make comparison shopping easier.

Tennessee’s top 5 home warranty companies

Top home maintenance problems in Tennessee

A Tennessee home warranty can help you tackle some of the most expensive home repairs you’ll face without breaking the bank. Let’s take a look at a few of these repairs:

• Electrical overload: Tennessee homeowners use about 33% more electricity than the national average for homeowners across the United States. This increased usage can put additional strain on your electrical system, leading to expensive breakdowns. A home warranty that covers electrical systems can help you afford these often expensive repairs.
• Appliance issues: Tennessee homeowners devote about 38% of the electricity they use to their home appliances, which is a bit more than the national average. A comprehensive appliance plan will cover any damage to these appliances caused by electricity overuse.
• Roof leaks: Though Tennessee is known for its moderate climate, residents in the Northeast region of the state see snowfall every year. These winter storms can pile on your roof, causing damage that doesn’t appear for months. If you’re worried about the condition of your roof, consider roof leak coverage, which is typically available as an add-on to your base policy. 

1. American Home Shield 

American Home Shield is one of the longest standing home warranty companies in Tennessee, with nearly 50 years in business. These many years of experience mean that you can trust you’re getting a quality policy with quality customer service.

American Home Shield has three policy options:

• Systems Plan: The Systems Plan covers 12 of your home systems, ranging from your doorbells to your water heater.
• Appliances Plan: The Appliances Plan covers 10 of your home appliances, like your refrigerator and garage door opener.
• Combo Plan: The Combo Plan includes all coverages found in both the Systems Plan and Appliances Plan.

Here’s what you can expect to pay for your plan:

American Home Shield allows you to choose a $75, $100, or $125 service fee to pay each time you request a repair. Keep in mind that choosing a lower service fee will increase what you pay per month for your plan and vice versa.

Get a free quote from American Home Shield by filling out this online form or calling 888-365-2839.

2. Choice Home Warranty

Choice Home Warranty is a nationwide home warranty provider that opened its doors in 2008. The company offers affordable plans that come with added benefits like a 90-day repair guarantee and a 30-day, money-back guarantee.

Choice Home Warranty has two plans:

• Basic Plan: Choice’s Basic Plan covers a mix of 14 home systems and appliances, including your built-in microwave and plumbing system.
• Total Plan: The Total Plan is Choice’s more comprehensive coverage option, with coverage for everything in the Basic Plan plus four additional items.

Take a look at how much Choice Home Warranty costs:

You’ll also pay a service fee of $80.

Get a free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164.

3. Amazon Home Warranty

Amazon Home Warranty is fairly new to the home warranty industry, but the company already has a network of over 10,000 service technicians, which means you can get a repair quickly whenever a system or appliance breaks down.

Amazon Home Warranty currently offers three plans:

• Appliances Plan: This plan covers eight appliances, like your clothes washer and freezer.
• Systems Plan: The Systems Plan includes coverage for eight home systems, including your central air conditioning system and plumbing system.
• Combo Plan: The Combo Plan includes everything in the Appliances and Systems Plans plus a few extras.

Here’s what you can expect to pay per year for your coverage:

You’ll also pay a $75 service fee each time you use your plan.

Get a free quote from Amazon Home Warranty by filling out this online form or calling 866-605-8194.

4. First American Home Warranty

With over 35 years of experience servicing policies, First American Home Warranty is another reliable choice for homeowners. One of the company’s most unique features is its First Class Upgrade, which is available as an add-on for any plan to extend coverage to areas like building permits and improperly installed or maintained items.

First American Home Warranty has two plan choices:

• Basic Plan: The Basic Plan includes coverage for nine home appliances, including your washer-dryer set and dishwasher.
• Premier Plan: The Premier Plan covers all appliances found in the Basic Plan plus eight home systems.

Here’s what you can expect to pay for your plan from First American Home Warranty:

You’ll also pay a $75 service fee each time you use your coverage.

Get a free quote from First American Home Warranty by filling out this online form or calling 833-204-7164.

5. Select Home Warranty

Founded in 2012, Select Home Warranty’s claim to fame is its affordable policies. You can get coverage for both your major home systems and major home appliances for less than $40 a month.

Select Home Warranty offers three policy choices:

• Bronze Care: Bronze Care includes coverage for eight home appliances, like your stove and refrigerator.
• Gold Care: Gold Care includes coverage for six home systems, ranging from your electrical system to your heating system.
• Platinum Care: Platinum Care combines coverages from both the Bronze Care and Gold Care options and adds a few more.

Take a look at Select Home Warranty’s price estimates:

You’ll also pay a $75 service fee.

Get a free quote from Select Home Warranty by filling out this online form or calling 888-370-3953.

Tennessee home warranty buying guide

Each home warranty company has its own benefits. For example, while one provider might excel in customer service, another might have more affordable premiums. Here are a few characteristics you might want to consider when you choose your Tennessee home warranty:

• Coverage limits: Like your homeowners insurance or auto insurance policy, your home warranty plan will come with coverage limits. Your provider will not only limit how much it’s willing to spend on a repair, but it will also limit what components in a system or appliance it will cover. Before signing up for any policy, be sure to read through the terms and conditions to ensure you understand what is and isn’t covered.
• Waiting periods: When you sign onto a home warranty policy, you’ll be subject to a waiting period before you can use your plan. For example, if you have a 30-day waiting period, you’ll need to wait 30 days from when you sign up before you can file a claim. If you want your coverage to start as soon as possible, look for a company with a shorter waiting period.
• Workmanship guarantees: A workmanship guarantee guarantees that a system or appliance will continue to work for a set number of days after a repair. For example, if your provider covers parts and labor for 30 days, that means that you won’t have to pay the service fee a second time if an item breaks down within 30 days of its initial repair. While this isn’t the most important part of a home warranty, it can save you money in the long run, especially if you have a finicky system or appliance.

Our conclusion

We recommend American Home Shield, Choice Home Warranty, Amazon Home Warranty, First American Home Warranty, and Select Home Warranty because of their ability to satisfy customers in terms of price, coverage, customer service, and more. However, the best home warranty in Tennessee might vary depending on your specific home. That’s why we recommend getting a custom quote from each provider before you make a decision.

Frequently asked questions about Tennessee home warranties

How long does my home warranty last?

Most home warranty plans last for one year. However, some companies offer free months of coverage when you sign up, which will extend your coverage, and some offer discounts for purchasing more than one year of coverage at a time.

Is a home warranty required?

Unlike homeowners insurance, which is usually required by the bank you received your loan from, a home warranty is not required. It is a completely optional protection plan that covers the normal wear and tear that isn’t protected under a homeowners insurance policy.

Why does customer service matter?

If you choose a company that has a history of poor customer service, you won’t be able to get a timely repair when one of your systems or appliances breaks down. This will leave you without a working component of your home for days or weeks at a time. To ensure this doesn’t happen, choose a company that has 24/7 customer service.