Best Home Warranty Companies In Tennessee 2024

Our Picks: 5 Best Home Warranty Companies For Tennessee Residents

After extensive evaluation, we've identified five top home warranty companies in Tennessee. With their reliable coverage, these companies offer homeowners peace of mind and ensure seamless operation year-round.

Best For Comprehensive Plans

3.7 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$48 - $57

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Offers free roof leak coverage
90-day workmanship guarantee
24/7 customer service

Cons

Does not provide the option for plan customization

Plans, Cost & Coverage

Choice Home Warranty offers Basic and Total plans for your home’s essential systems and appliances. The basic plan covers 14 items, including plumbing, water heaters, and dishwashers. Total Plan adds four more: washer, dryer, refrigerator, and air conditioner.

Plans	Basic Plan	Total Plan
Monthly	$48.13	$56.27
Yearly	$546.76	$644.40

Basic Plan

Offers coverage for essential household items and systems such as heating systems and dishwashers
Provides a budget-friendly option for homeowners seeking basic protection for crucial items
Ensures coverage for essential appliances and systems without extensive additional features

Total Plan

Offers a comprehensive coverage plan encompassing a wide range of items and systems
Provides enhanced protection beyond the Basic plan
Offers substantial coverage, potentially saving money in the long term by protecting more items and systems

Why We Picked It?

Tennessee homeowners facing seasonal appliances and system breakdowns can find comfort in Choice Home Warranty. They offer plans covering Tennessee’s unique climate, including HVAC systems and electrical components.

Choose between a basic or total plan, with optional add-ons for specific needs. Plus, 24/7 claims service and an extensive contractor network ensure quick repairs by technicians familiar with local regulations.

Best For Add-ons

4.7 |

Excellent

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Offers a 60-day warranty extension on workmanship
Provides extensive add-on coverage
Offers two extra months of coverage with an annual plan subscription

Cons

Service call fees for technician visits

Plans, Cost & Coverage

Appliance Guard, System Guard, and Total Home Guard are the three plans offered by LHG. The Appliance Guard protects nine essential appliances, the System Guard protects six systems, and the Total Home Guard protects all 15 appliances and systems. Take a look at the cost and plan details below:

Plans	Appliance Guard	Systems Guard	Total Home Guard
Monthly	$49.99	$54.99	$59.99
Yearly	$499.99/yr	$549.99/yr	$599.99/yr

Appliance Guard

Provides coverage for a range of home appliances, including ceiling fans, garage door openers, and kitchen and laundry appliances
Targeted protection for appliances prone to wear and tear
Covers major mechanical parts and components of appliances

Systems Guard

Covers components of your home’s plumbing, electrical, and HVAC systems
Offers plans with daily fees of under $1
Includes coverage for AC and heating units with a capacity of up to 5 tons

Total Home Guard

Encompasses features from both Appliance Guard and Systems Guard
Offers plans with daily fees of under $1.5
Provides comprehensive coverage for all home systems and appliances

Why We Picked It?

Liberty’s plans offer extensive protection for crucial systems and appliances, including HVAC, plumbing, and electrical systems, which are prone to wear and tear in Tennessee’s diverse climate.

With customizable plans and a range of add-ons such as roof leak coverage and pool/spa maintenance, it ensures homeowners have the flexibility to tailor their coverage according to their specific requirements. However, the coverage cap of $2000 for all covered items, is quite low in the industry average.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Flexible plan options to suit varying needs and budgets
Appliances covered up to $4,000
Coverage for unknown pre-existing conditions

Cons

Higher deductibles

Plans, Cost & Coverage

The ShieldSilver, ShieldGold, and ShieldPlatinum are the three plans that AHS offers. ShieldSilver covers systems, but the entire house is covered by ShieldGold and ShieldPlatinum plans. Rich in features, the ShieldPlatinum plan has a $5,000 coverage cap for each covered system or appliance. AHS provides Tennessee homeowners with a choice between two service call fees.

Plans	ShiedSilver	ShieldGold	ShieldPlatinum
Service Call $125	$29.99	$49.99	$79.99
Service Call $100	$39.99	$59.99	$89.99

ShieldSilver

Provides coverage for 14 household systems like heating, cooling, and electrical
Offers member benefits such as partner discounts and HVAC tune-ups
Provides a coverage cap of $5,000 for heating and AC systems

ShieldGold

Extends coverage to 23 major systems and appliances including air conditioning, plumbing, and more
Includes partner discounts, HVAC tune-ups, and a $5,000 coverage cap for heating and AC systems
Offers a coverage cap of $2,000 for each appliance replacement and repair

ShieldPlatinum

Includes coverage for all items from ShieldSilver and ShieldGold plans
offers extra perks such as $1,500 allocated for roof-leak repairs
Offers coverage for code violations, permits, modifications, roof leak repairs, and unlimited AC refrigerant

Why We Picked It?

Tennessee homeowners can achieve year-round peace of mind with American Home Shield. Their customizable warranty plans address Tennessee’s needs, offering comprehensive coverage for essential appliances and HVAC systems. Flexible plan options and targeted add-ons, like well pump coverage for rural areas, ensure a perfect fit.

Highly Rated By Customers

4.7 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $59

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

Includes a workmanship guarantee of ninety days for finished repairs
30-day free trial
Provides a money-back guarantee

Cons

Charges $150 service fees for weekend visits

Plans, Cost & Coverage

The company offers an annual cap of $15,000. This equals a greater claim limit than many providers—$8,000 for systems and $7,000 for appliances. Claim limitations, however, differ for each insured item. For instance, air conditioners may be eligible for up to $4,000, but the maximum amount for electrical equipment is $2,000.

Plans	Elite Appliance	Elite Systems	Elite Complete
Service Call $70	$44.49	$49.99	$58.99

Elite Appliance

Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
Coverage caps vary per appliance with a $7,000 term limit
Offers specialized protection solely for household appliances

Elite Systems

Covers seven home systems, including air conditioning, heating, and electrical systems
Has an annual limit of $8,000 with varying coverage caps for each system
Provides dedicated coverage exclusively for essential home systems

Elite Complete

Combines the features of Elite Appliances and Elite Systems plans
Offers comprehensive protection for both appliances and home systems
Provides a holistic solution for homeowners seeking complete coverage for their household essentials

Why We Picked It?

Elite Home Warranty can be a good choice for Tennessee homeowners with robust coverage limits of up to $8,000 for systems and $7,000 for appliances, along with individual appliance limits of $3,000. Their extensive list of 26 add-ons allows for customizable coverage options. However, there’s an additional $70 fee for repairs, and the purchasing process involves multiple steps, including speaking with a representative.

Best For Workmanship Guarantee

3 |

Good

Monthly Cost

$38 - $66

Service Fee

$100, $125, $150

Response Time

Same day

Pros & Cons

Pros

Offers 180-day workmanship guarantee
Has a digital dashboard for customers
Provides free water sensor to detect leaks

Cons

Limited optional add-ons

Plans, Cost & Coverage

For $38.99 a month, Cinch Home Services provides three different types of home protection plans: Systems-only, Appliance-only, and a combo of the two i.e Complete Home plan.

Every plan includes rust and corrosion, a 180-day craftsmanship guarantee, and coverage for undiscovered prior issues. Pools and septic tanks are additional items for which you can purchase coverage for $4.58 to $22.00 monthly.

Plans	Appliance	Built-in Systems	Complete Home
Service Call $150	$38.99/mo	$43.99/mo	$54.99/mo
Service Call $125	$47.32/mo	$52.32/mo.	$63.32/mo.
Service Call $100	$48.99/mo	55.99/mo	$66.99/mo

Appliance

Covers 12 kitchen and laundry appliances
Replacement appliances may not match the brand, style, or color
Covered appliances include washers, dryers, dishwashers, cooktops, ovens, and food centers

Built-in Systems

Covers 16 essential home systems with capped maximum payout
Covered systems include HVAC, attic fans, central vacuums, doorbells, electrical systems, and more

Complete Home

Includes all features of the previous plans
Offers reimbursement of up to $500 for a homeowner’s insurance deductible on covered claims (once per year)
Additional coverage options are available for items like swimming pools or septic systems, along with a Premier Upgrade Package for enhanced coverage

Why We Picked It?

Cinch Home Services offers Tennessee homeowners affordable and flexible home service plans, beginning at only $38 per month. Setting itself apart, Cinch provides a generous coverage limit of $10,000, along with some of the most comprehensive plans available.

Is Home Warranty Plans Beneficial For Tennessee Homeowners?

Amidst the challenges of ensuring the protection and maintenance of your home's essential systems and appliances, reliable solutions are paramount. Therefore, let's delve into how these plans provide invaluable benefits for homeowners across the state.

Tennessee experiences diverse weather conditions, from hot summers to cold winters. Home warranty plans cover essential systems like HVAC, protecting homeowners from unexpected breakdowns due to weather-related stress.
Home warranty plans typically cover many systems and appliances commonly found in Tennessee homes, ensuring comprehensive protection from air conditioning units to kitchen appliances.
Home warranty plans help homeowners budget for unexpected repairs and replacements by providing coverage for covered items and minimizing out-of-pocket expenses.
Tennessee has many historic properties and older homes, which may have aging systems and appliances. Home warranty plans offer peace of mind by covering repairs and replacements for these older components.
Home warranty companies often have networks of qualified contractors who can provide prompt service and repairs when covered items malfunction, helping homeowners avoid delays in getting essential systems back up and running.
Having a home warranty plan in place can enhance the resale value of a property in Tennessee, as it provides potential buyers with added confidence in the condition of the home's systems and appliances.
With a home warranty plan, homeowners have a single point of contact for all covered repairs and replacements, streamlining the process and reducing the hassle of finding reliable contractors independently.
Home warranty plans often offer customizable coverage options, allowing Tennessee homeowners to tailor their plans to meet their needs and budget constraints, ensuring they get the most value from their investment.

How Much Does A Tennessee Home Warranty Cost?

Here's a breakdown of the average costs associated with a home warranty in Tennessee:

Average Annual Cost

$660

Average Monthly Cost

$55

Average Service Fee (Deductible)

$75 - $125

It's important to remember that these are just averages, and the actual cost of your home warranty will vary depending on several factors, including:

The specific company you choose: Different companies offer various plans and coverage levels, all at different price points.
The level of coverage you select: More comprehensive plans with a wider range of covered items will typically cost more than basic plans.
Add-on coverage: Some companies allow you to add coverage for specific appliances or systems, increasing the overall cost.
Your home's location and age: Location and age can sometimes influence pricing due to factors like repair costs and claim frequency.

Home Warranty Coverage In Tennessee

While specific details may vary between providers, here’s a general overview of what a home warranty in Tennessee typically covers and excludes:

Common Coverages:

Heating System A warranty typically covers repairs or replacements for your furnace or boiler, ensuring you stay warm and cozy throughout winter.
Air Conditioning Tennessee summers can be brutal. Warranties often cover repairs or replacements for your central air conditioning system, keeping your home cool and comfortable during the hottest months.
Plumbing System Protects against leaks and breakdowns in your pipes (up to a designated point from the shut-off valve). This is crucial in older Tennessee homes, which have the potential for aging plumbing infrastructure.
Electrical System Provides coverage for your home’s electrical system, which can be important for powering appliances and keeping the lights on during the occasional Tennessee thunderstorm. This typically covers repairs from the main electrical panel to a designated point.
Appliances Protects essential appliances that keep your Tennessee home running smoothly, including refrigerators, dishwashers, ovens, stovetops, garbage disposals, and often washing machines and dryers.

Common Exclusions

Sewer Line Issues While some plans may offer optional coverage for sewer lines, it’s not standard in Tennessee.
Cosmetic issues Warranties typically don’t cover purely aesthetic repairs, like paint peeling or outdated fixtures.
Pre-existing conditions If an appliance or system was already malfunctioning before you purchased the warranty, it likely won’t be covered.

Here Are Some Additional Points To Consider

Coverage caps Be mindful of any limits on the amount a company will pay for repairs or replacements.
Specific exclusions Carefully review the plan details to understand any unique exclusions specific to the provider or plan you’re considering.
Well Pump Protection Many rural Tennessee homes rely on wells for water. Consider a warranty plan that offers coverage for well pump repairs or replacements. This is especially important if your home is located in an area with a low water table.
Radon Mitigation Systems Radon gas is a concern in some areas of Tennessee. A warranty that covers repairs to your radon mitigation system will add to the overall cost but can provide valuable peace of mind.
Limited Service Area Impact Tennessee’s vastness can mean technicians travel long distances for repairs. Inquire about service area limitations to avoid unexpected charges.

Who regulates Home Warranty Companies In Tennessee?

In Tennessee, home warranty companies are not directly regulated by a single entity. However, the Tennessee Department of Commerce and Insurance (TDCI) plays a vital role in protecting consumers by providing information and resources.

Here's what the TDCI offers:

Consumer education TDCI offers information on its website to help consumers understand home warranties and avoid scams.

Complaint process While not directly regulating the industry, TDCI can receive and address consumer complaints regarding home warranty companies. This can help identify potential issues and hold companies accountable.

Final Word

With this guide, you're equipped to explore Tennessee's top home warranty companies. Remember to prioritize your needs, compare plans carefully, and never hesitate to ask questions. By making an informed decision, you can safeguard your home and budget from unexpected repair costs.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Tennessee?

Tennessee’s warm climate contributes to common air conditioning issues, including compressor malfunctions or refrigerant leaks. Water heaters may need attention due to hard water-related problems or heating element malfunctions. Additionally, dishwashers commonly require maintenance for issues such as clogged drains or malfunctioning pumps.

Is Choice Home Warranty Available In Tennessee?

Yes, Choice Home Warranty offers its services in the state of Tennessee.

How To Cancel American Home Shield Subscription?

To cancel your AHS contract, call 833.706.2865, and a customer representative will assist you with the following processes.

Are Home Warranties Worth It In Tennessee?

Yes, home warranties are worth it in Tennessee. With the state experiencing hot and humid summers, home warranties provide valuable financial protection against the common issues in most home appliances.