With a relatively mild climate, Memphis is a great place to own a home. However, homeownership comes with its difficulties, like repairing your home's systems and appliances.
by House Method Local Advisors
A home warranty can give you the peace of mind you need about your home and safeguard your savings account from large expenses by covering your home's major systems and appliances. 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 compiled a list of the top home warranty options in Memphis.
Selecting the best provider for your home warranty is a step you could take to protect your house. When considering which home warranty company is the right fit for you, here are some important factors to take into account:
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. The 2 policies that Choice has include differing levels of system and appliance coverage, as well as add-on options. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with Choice's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our thorough review of Choice Home Warranty.
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 for Memphis residents. The 3 plans from Select are comprehensive and offer both system and appliance coverage. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our thorough review of Select Home Warranty.
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
American Home Shield offers the most customizable home warranty in Memphis. The home warranty company offers 3 plans to policyholders that have various system and appliance coverage options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our review of American Home Shield to learn more.
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 for Memphis residents. HSC has 2 simple plans, making the selection process easy. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our review of The Home Service Club to learn more.
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 4 states
Doesn’t allow free cancellation within 30 days
Won’t cover known or unknown pre-existing conditions
In Memphis, Liberty Home Guard offers the most trustworthy home warranty. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our thorough review of Liberty Home Guard.
Five years of industry experience
Fact service with 24/7 customer support
Discounts for paying the annual price
Free roof leak coverage
Limited availability (only offered in 44 states)
Only 1 day to submit repair claim
ServicePlus Home Warranty offers the best home warranty for emergency service in Memphis. The 2 policies that ServicePlus has include options for appliance and system coverage. ServicePlus offers quick repairs with 24/7 customer support. Plus, it also has been expanding its coverage to more and more areas across the country.
ServicePlus Home Warranty offers 2 plans for Memphis homeowners. The Gold Plan and Platinum Plan are the options they have, which contain a mix of system and appliance coverage. ServicePlus has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $75.
To get a free quote from ServicePlus Home Warranty, you can fill out this online form or call 478-210-5091. Read our review of ServicePlus Home Warranty to learn more.
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 for Memphis residents. First American has 2 simple plans, making the selection process and policy coverage easily understandable. When you buy a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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.
First American Home Warranty has 2 plans that offer a mix of system and appliance coverage. First American's service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered appliance or system.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read our review of First American Home Warranty to learn more.
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
Cinch Home Services is the home warranty with the best workmanship guarantee for Memphis residents. Cinch offers 3 plans for you to choose from. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. 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.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our review of Cinch Home Services.
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 helps homeowners cut back on the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make budgeting and managing your finances easier. Home warranty plans typically have a thirty-day waiting period from the time you purchase to the time you can file your first claim.
For Memphis homeowners, when an issue comes up with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal system where a claim can be filed. At this point, you will pay a service fee, which is usually between $60 and $150 depending on what plan you have. 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 any other out-of-pocket costs after the service fee is paid.
A home warranty plan will cover systems and appliances that have broken down due to normal wear and tear. For instance, if your dishwasher suddenly stops working under normal use conditions, your home warranty provider can help. Appliances covered under a home warranty plan are typically the refrigerator, dryer, garbage disposal, microwave, dishwasher, and more. Systems that are covered usually include water heaters, electrical systems, air conditioners, plumbing systems, and heating systems. Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as sump pumps, central vacuums, pools, roof leaks, electronics, and spas.
Memphis homeowners should understand that a home warranty will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. You must keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related complication will be covered by the policy.
Temperatures in Memphis can get quite high in the summer, which means your air conditioner is most likely going to get a lot of use. As a homeowner in Memphis, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified repair person to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may experience.
There are also some drawbacks to buying a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty. Another thing to consider is that some providers don't cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty company for clarification about this if you aren't sure or if this is an issue for you.
Whether or not a home warranty is worth it ultimately depends on your personal situation. Similar to any other type of insurance policy or warranty, its purpose is to offer you some peace of mind, so you will have to decide how much that is worth to you.
A home warranty in Memphis can save you a lot of money and give you peace of mind when it comes to costly home repairs and replacements. All of these top companies have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, fair pricing, and easy to understand policies make it a great home warranty for Memphis homeowners.
The best overall home warranty company in Memphis is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty is a kind of service contract that gives homeowners extra coverage for their household systems and appliances. These include refrigerators, garbage disposals, washing machines, dishwashers, dryers, electrical systems, heating and cooling systems, water heaters, plumbing, and sump pumps, among others. Some policies also offer coverage for ceiling fans, garage door openers, roofs, and pools. A home warranty can help you save money if these items break down unexpectedly.
Home warranty policies cover issues related to systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different plan that protects one's entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system damage.
A home warranty policy can cost on average anywhere from about $300 to $800 a year in Memphis. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.
