Best Home Warranty Companies in Tennessee

By Jennifer Merrigan

If you’re a Tennessee resident, make sure your home systems and appliances are covered with a home warranty. As your home ages and gets closer to its 10-year mark, it’s likely that the appliances and systems within the home will start to break down and require repair or replacement. If you aren’t covered with a warranty, that cost may have to come out of your own pocket.

Keep reading to learn about the top home warranty companies in Tennessee, pricing and plan options, and how to find the best home warranty for your home.

Tennessee’s best home warranty companies

  • Service agents will be pre-scanned to ensure reliability from CHW
  • One of the veterans in the home warranty industry
  • Offers a 90-day repair guarantee to customers

  • Best home warranty company for appliance coverage
  • Has a Better Business Bureau (BBB) accreditation
  • Customer service available 24 hours a day, 7 days a week

  • Offers free roof leak coverage
  • Covers rental properties and mobile homes
  • Has a variety of plans that fit into all types of budgets

  • Provides unlimited service calls
  • Has been a leader in the home warranty industry for over 35 years
  • Recommended for best claims acceptance

  • Affordable rates as low as $1 a day
  • Provides septic system coverage
  • Great for those who want coverage for optional add-ons, like a second refrigerator

Tennessee is located in the southeast region of the United States and is bordered by eight states: Kentucky, Virginia, North Carolina, Georgia, Alabama, Mississippi, Arkansas, and Missouri. Also known as The Volunteer State, Tennessee’s state bird is the Mockingbird, the state tree is the tulip tree, the largest city Nashville, and the oldest city is Jonesborough. With a growth rate of almost 1%, now is the perfect time to buy your home in Tennessee and pair it with a home warranty.

Top home maintenance problems in Tennessee

With the recent boom in the Tennessee real estate market, home maintenance is more important than ever before. Don’t devalue your property by not keeping your home and appliances in tip-top shape. A home warranty can ensure that your home is in its best condition at all times—this is especially helpful if you ever need to or desire to sell it.

Read more: Memphis Home Warranty Review

There are a few areas that can quickly devalue your home if you don’t maintain the proper upkeep on them. Here are some major home maintenance problems that Tennessee homeowners often face:

  • Water damage—This is a huge issue across the nation and can impact Tennessee homes. Water damage can occur from leaky pipes, insufficient plumbing, or exterior water around your home, such as standing water in your yard.
  • Basement leaks—Since many Tennessee homes have a basement or cellar, it’s important that you check your basement for foundation cracks or moisture surfacing. This is to prevent larger issues down the line and if there’s an issue, you can call a professional right away.
  • Corroding water softener—Ensure the salt levels are at the proper amount and that there aren’t any error codes on the display. If there are, you may need to get the system repaired or replaced.

Who is eligible for a home warranty in Tennessee?

Regardless of the type of home you own, you can purchase a home warranty plan in Tennessee. There are home warranties available for single-family homes, mobile homes, duplexes, townhouses, and condos.

MORE: Is your mobile home covered? Learn about mobile home warranty coverage.

What is covered under a Tennessee home warranty?

Home warranty coverage will depend on the type of plan you choose and the home warranty company you sign up with. Typically, most home warranty plans will cover major systems and appliances, such as your dishwasher, oven, built-in microwave, electrical, and plumbing.

When signing up, you’ll generally have the option of choosing between a systems plan (that covers only home systems), an appliances plan (that covers only appliances), or a combo plan (that covers a combination of systems and appliances). If you don’t have these options, the home warranty company will present you with a basic plan and a plan that provides comprehensive coverage.

Home warranty companies will also provide the option for you to add on additional coverage for items such as a pool, hot tub, guest house, sump pump, septic tank, or water heater.

If you want to focus on protecting only your appliances, consider choosing American Home Shield. This company is known for its extensive appliance coverage. Not to mention, AHS has a Build Your Own Plan that lets you customize coverage. If you want to ensure your roof is covered, Select Home Warranty offers free roof leak coverage.

MORE: Compare the best home warranties in the industry.

Note: The condition of your systems and appliances may affect your coverage, as well as how much you’re given for any damage, and could be the difference of whether a claim is accepted or rejected. 

How much does a home warranty cost in Tennessee?

The median cost for a home warranty in Tennessee is anywhere between $350 and $600 per year. If you need additional coverage for a pool or other unique features, you can expect to pay an additional $100 to $500 per year. Note: service fees (often called the deductible) will range between $75–$125 per service visit.

How does a home warranty work in Tennessee?

If a major system or appliance broke down, here’s how your home warranty would provide coverage:

  1. Call your home warranty company or file a claim online, detailing the issue you’re having.
  2. Your home warranty company will either send a trusted contractor to your house or give you the option to pick a technician of your choosing.
  3. Once in your home, the tech will assess the issue and determine if a repair or replacement is needed.
  4. If your system or appliance requires a repair, the technician might be able to fix the problem on the spot. If a replacement is necessary, a follow-up appointment will likely need to be scheduled for the tech to come and install the new system.
  5. You pay a service fee to the technician.

Why is a home warranty in Tennessee necessary?

Did you know that the average cost to replace your HVAC system is between $4,000–$5,500? By investing in a home warranty, you’ll get to enjoy incredible cost savings and not have to worry about how you’re going to pay thousands of dollars for a broken item.

Appliances will eventually break down due to normal wear and tear. A home warranty gives your family the peace of mind that in the event of an emergency, you’ll be covered by specialists who are trained and ready to fix your home’s appliances or systems.

Buying a home warranty in Tennessee

The ideal time to buy your home warranty is when you’re buying a home, though you can purchase a home warranty even if you’re a seasoned homeowner. Before buying a home warranty, take note of the current condition of your home systems and appliances and if there are any pre-existing conditions you should be aware of.

Consider what you need protected, what’s already covered under warranty, and what items need to be replaced soon. Look into different plans, as well as what each company covers under their basic plans, comprehensive coverage, and add-ons.

Here are some other factors to take into consideration:

  • When was your home built?
  • What issues arose on your home inspection?
  • What is your budget?
  • Is customer service important to you?
  • How long do you want your warranty to last?
  • What does the claims process look like?
  • When does coverage begin?
  • How many service calls can you make in a year?
  • What are the coverage caps on items listed in your home warranty?

Answering these questions will help you narrow down which home warranty company you want to select and the type of plan that’s best for you.

Tennessee home warranty reviews

Below are a few reviews from Tennessee homeowners who have a home warranty:

“I chose this company because their price is reasonable compared to my previous provider. Also, Phil with customer service was very helpful, pleasant, and professional in his dealings!” — Zony

“I am very impressed with your company. I have heard horror stories about home warranties, but your service was excellent and my garage door was repaired with no hidden expenses. Would totally recommend them.” — Roz

“Very easy process to sign up. Have different paying options tailored around your budget.” — Deborah

“I placed my claim for my A/C and received a schedule for repair in less than 2 hours.” — Kevin

Frequently asked questions

What do home warranties cover?

Your home’s most important appliances, such as your dishwasher, refrigerator, air conditioning units, clothes washer, and dryer, are usually covered under home warranties. There are plenty of add-ons that you can also include in your plan, such as a water heater or sump pump. Check with each company about their policy and charges for added appliances before signing up for a home warranty.

Do the age of home appliances matter?

The age of your home appliances is irrelevant. Whether or not you purchased your appliance new doesn’t matter. What does matter is the condition your appliances are in before starting coverage and the cause of the damage when you file a claim.

Is a home inspection required before a home warranty purchase?

Home warranties do not require an inspection, however, you may wish to complete an inspection to verify the condition of your home and appliances.

See the best home warranty companies in your state

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Our conclusion

As a Tennessee homeowner, there’s no better way to protect your investment than with a home warranty. The best home warranties in the state of Tennessee are American Home Shield and Choice Home Warranty. With extensive coverage, excellent customer service, and a trusted claims process, these two companies are worth investing in.

Still not sure which Tennessee home warranty is right for you?

Compare other top home warranty providers in the industry.

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