A Memphis home warranty policy can help protect you by covering major repairs and replacements on your home's appliances and systems.
Many people in Memphis have made their dream of owning a home into a reality. However, as great as Memphis can be, there are always difficulties that come with owning a home, such as keeping your home's systems and appliances maintained.
Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the perfect choice for your Memphis home. That's why we've done the research and have put together a list of the top home warranty plans in Memphis.
Determining the right company for your home warranty is a step you could take to protect your house. Here is a list of factors that you'll want to be mindful of when selecting a home warranty provider:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
Choice Home Warranty offers the best overall home warranty for Memphis residents. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 home warranty plans that Choice offers include options for appliance and system coverage.
Choice Home Warranty offers 2 plans for Memphis homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Memphis area.
For a more detailed breakdown, read our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Memphis. Select has 3 plans for homeowners to decide between. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
In Memphis, American Home Shield is the most customizable home warranty. AHS has over 25 years of industry experience and in that time has built a an network of service professionals nationwide. AHS has 3 plans for you to choose from. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield full review.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service in Memphis. HSC has more than 14 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. The 2 home warranty plans that HSC has include differing levels of system and appliance coverage, as well as add-on options. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you'll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Memphis area.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our The Home Service Club full review.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Memphis residents. Liberty has 3 plans for homeowners to choose from. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
For more information on this provider, read our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Memphis. First American offers very affordable and comprehensive appliance coverage. Plus, it also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
First American Home Warranty has 2 plans that offer a combination of system and appliance coverage. The coverage caps associated with First American's plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
For more information, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In Memphis, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
For more information, read our Cinch Home Services full review. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Memphis
A home warranty is a service contract that cuts back on the cost of repairs when one of your home systems or appliances experiences an issue. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically about 30 days after purchasing a home warranty, the coverage will start on your home systems and appliances.
Filing a claim with your home warranty company is quite straightforward. There will be either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will pay a service fee, which is generally between $60 and $150 depending on what plan you opt for. Once the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs .
Home warranty plans help protect your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear and tear. Typical appliances covered under a home warranty include a microwave, garbage disposal, washer, dryer, refrigerator, dishwasher, and more. The systems that are most commonly covered will be plumbing systems, electrical systems, hot water heaters, heating systems, and air conditioners. Add-on coverage will vary from one plan to another, but you can expect to see things like central vacuums, roof leaks, sump pumps, pools, spas, and electronics.
Memphis homeowners should know that a home warranty policy will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like misuse of a system or appliance, cosmetic issues, pre-existing conditions, or natural disasters. You need to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related issue will be covered by the policy.
Memphis' hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the repairs, preventing you from spending unexpected money out of pocket.
In addition, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential home buyers and maybe even make your home sell faster.
As for the drawbacks of home warranties, home system and appliance coverage varies by provider so it's important to review what each plan covers and excludes in the contract. Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Whether or not a home warranty is worth it ultimately depends on your personal preference. Like any other kind of insurance policy or warranty, it's there to give you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, this review of Memphis' top home warranty providers has helped you narrow down your choices and ultimately find the best plan for you. The best provider in Memphis is Choice Home Warranty. Choice Home Warranty offers great coverage at an affordable cost.
The best overall home warranty company in Memphis is Choice Home Warranty but the perfect company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a contract that covers the repairs and replacements of major home system components and appliances.
A home warranty plan can help home sellers, investors, homebuyers, homeowners, and real estate agents. It can offer peace of mind to anyone involved in homeownership.
The systems and appliances in a home are covered under a home warranty in Memphis. Everything from a fridge to a swimming pool can be covered under a home warranty.
The service fee is the price homeowner pay every time there is an issue with a home system or appliance. The service fees are commonly priced between $60 and $150.
A home warranty policy can cost on average around $300 to $800 a year in Memphis. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.