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Tennessee experiences a moderate climate with humid summers which can put a strain on the home systems and appliances. Having a home warranty, in this case, will help save money from unexpected breakdowns. This detailed review of the best home warranty companies in Tennessee will help residents pick an ideal company as per their requirements.
Disclaimer: We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.
The cost of repairing and replacing home appliances and systems can go high. In this case, home warranty plans are a great way to safeguard your budget from unforeseen circumstances.
In this section, we discuss the average repair and replacement costs of major home systems and appliances frequently used in a household.
As the repair and replacement costs in major Tennessee cities are expensive, many homeowners are investing in home warranties.
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As there are various home warranty companies operating in Tennessee, here are the top ones.
Covers Pre-Existing Conditions
An existing malfunction in any system or appliance before the coverage begins on a home warranty plan refers to a pre-existing condition. A unknown pre-existing condition is one that cannot be detected during the routine maintenance/inspection or is unknown to the homeowner. To know more, you can refer to our detailed article on does home warranty cover pre-existing conditions.
|$46-$55||Upto $3K/item||60-Day||No||Extended Coverage For Homes Up To 5000 Sq. Ft. At No Extra Fees|
|VIEW MORE||$39-$60||$6K-Unlimited||30-Day||Yes (Unknown)||HVAC Tune-Ups|
|$60-$65||$3k/Item||90-Day||No||Free Roof Leak Coverage|
|$35-$50||$2k/Item||60-Day||Yes (Unknown)||Add-Ons Include Pest Control|
|$30-$44||$2,500||30-Day||No||Unlimited Service Calls All Year Long|
|$27-$51||$2k/Item||180-Day||Yes (Unknown)||$25 Credit Toward A/C Filters|
Read more about the best Tennessee home warranty companies:
Choice Home Warranty is known for its comprehensive coverage for major home repair and replacement. The company has a ‘B’ rating from BBB and provides 24/7 customer service along with the offered plans.
Choice Home Warranty offers two plan choices to the homeowners- Basic Plan and Total Plan. The Basic Plan includes plumbing, a heating system, a water heater, and more. The Total Plan, on the other hand, includes the ductwork, air conditioning system, and more. The company also offers a list of items as add-ons to help customers get additional coverage.
The Basic Plan price is $46 monthly, while the Total Plan’s price is around $54. The company’s deductibles can go anywhere from $75-$150 service fee or deductible.
As per the Choice Home Warranty’s sample contract, there is a coverage limit of $3000 for repair and replacement for the included items.
Here are some of the exclusions from the company’s plans:
Since its inception in 1971, American Home Shield have served over 1.8 million customers across the country. The company is known for its comprehensive plan coverage and unlimited system coverage. They also cover pre-existing conditions, making them one of the popular choices for Tennessee homeowners.
American Home Shield provides three plans to homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. The first two plans cover systems and appliances, respectively. The ShieldPlatinum plan includes every item from the other plans and some additional home items.
American Home Shield plans can start somewhere from $19 and go up to $70 per month and have deductible options of $75, $100, and $125. You will have to pay a lower premium if you choose a higher deductible
The company has no coverage limitations for systems and can go up to $6k per appliance. Here are some of the exclusions from the contract:
Select Home Warranty has been able to build a good reputation amongst homeowners because of its industry experience. It provides 3 plans to the homeowners with an additional free roof leak coverage and more.
Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care, along with optional add-ons. The Bronze Care covers 8 items, Gold Care covers 6 items, and the Platinum Care has the most extensive coverage with 17 items.
Select Home Warranty pricing is not the same for each of its plans. The Bronze and Gold Care plans start at $45 monthly, while the Platinum Care will cost $50 per month. The deductibles or service fees can vary from one state to another, usually ranging from $60-$100.
The Select Home Warranty has an aggregate limit of $2k per system or appliance in the contract. Apart from these limits, here are some exclusions:
Liberty Home Guard is a new home warranty company established in 2017. It offers comprehensive coverage for the different types of products in your home. The company extends its services 24/7 with the live-in-chat feature for Tennessee homeowners.
Liberty Home Guard offers three plans to the homeowners: Systems Guard, Appliance Guard, and Total Home Guard, along with optional add-ons. The Systems Guard plan includes the home systems, the Appliance Guard plan includes the home appliances, and Total Home Guard covers everything from both plans.
Liberty Home Guard plans range from $60-$69 monthly. If you go for optional add-ons, the annual cost can range from $44-$195. The company’s deductible or service fee is $90.
Like other home warranty companies, Liberty Home Guard’s plans also have some exclusions. Some of the things which aren’t covered include
The annual coverage limit of Liberty Home Warranty is restricted to $2000 per item.
First American Home Warranty has been in the industry for more than three decades. As an industry veteran, the company has come to be known for its comprehensive and affordable plans. They provide unlimited service calls over the year, and their plans also cover improper installation repairs.
First American Home Warranty offers two plans to homeowners along with add-on options- Basic Plan and Premier Plan. The Basic Plan has home appliances, while the Premier Plan has both major home appliances and systems.
The Basic Plan’s price starts from $33, and the Premium plan starts at $45 per month. The deductible charge of the company is $85.
The First American Home Warranty provides an aggregate limit of $1500 per appliance and $3500 per system in the offered plan. Here are some of the things that aren’t covered under the company’s plans:
Cinch Home Services serves over a million customers every year across 48 U.S. states. They offer separate plans for appliances and systems and one which includes both. Cinch Home Services has been around for decades, and in this time, they have gained a reputation for offering reasonable service and holistic plans.
Cinch Home Services offers three plans to homeowners: Appliances Plan, Built-in Systems Plan, and Complete Home Plan, along with optional add-ons.
The Appliances Plan includes all the home appliances, while the Built-In Systems plan includes all the home systems. The Complete Home Plan covers everything from the other two plans, along with some additional items.
Cinch Home Services plans can start from $27 and go up to $39 every month, and the deductibles for each visit can be $75, $100, or $150, depending on the chosen plan.
Cinch Home Services has a claims liability of up to $10k on each home system and appliance. Other contract exclusions include
Go through the table below to learn about home maintenance costs in top Tennessee cities.
If you stay in a place like Tennessee with different weather conditions, you should know that home maintenance is vital. In this section, you will learn why a homeowner from various cities in Tennessee should invest in a home warranty.
The summers in Athens can get hot and muggy. These hot temperatures can affect your HVAC system’s health if not properly maintained throughout the year. Also, it snows in the city for approximately two months which can even put a toll on your roof. Considering all the climate changes, a home warranty can help manage your appliances and budget.
The cost of living in Clarksville is 4% higher than Tennessee’s average living cost. The maintenance costs, especially, can burn a hole in the residents’ pockets due to the rising costs in the city. Home warranty plans have helped many Clarksville residents save money on appliances and systems repairs.
Crossville has one of the most expensive home maintenance costs compared to the other cities. High costs combined with hot and humid weather would mean financial disarray if any systems or appliances break down due to overuse. A home warranty protects major appliances and systems in your home in every weather condition at a nominal cost.
The weather in Bristol varies greatly from 90°F in summers to 20°F in winters. The city also receives heavy rainfall during winter. Such adverse climatic conditions affect systems and appliances at home as heavy usage expedites their wear and tear. Home warranties are a great way to reduce maintenance costs and get prompt services in the event of a breakdown for the residents of Bristol.
Home systems and appliances can break down because of excessive usage prompted by fluctuations in climate. Here is an insight into the Tennessee climatic conditions, highlighting the importance of safeguarding your appliances and systems during the year.
207 Sunny Days/Year
Tennessee has hot summers where the temperature can rise to 90°F. As the temperature soars, many home appliances and systems, such as the A/C or watercoolers, will have to work overtime
Although the winters last for just 2-3 months in Tennessee, the temperatures drop to 18°F-20°F. Such climate tests the endurance levels of appliances such as water heaters and HVAC.
An adequately maintained home appliance and the system could save you money in the long run and from costly repairs. Tennessee homeowners should invest in a home warranty to stay aware of the most typical issues mentioned in the list.
The electrical systems can sooner or later face troubles as they age or aren’t correctly installed. You can even face issues with the plumbing. These repairs can put a hole in your pocket and cost around $50-$200 per visit.
Many Tennessee homeowners don’t know that their roofs need routine maintenance to function effortlessly. As there is a lot of rainfall, most roofs can encounter issues if not correctly installed and maintained.
You wouldn’t want your air conditioning to break down in the middle of a hot day or the heater to break down during freezing nights. HVAC Is crucial for homeowners in Tennessee because of the climate, and it can get too expensive to get the HVAC fixed if it breaks down.
Here is a quick comparison between the best home warranty companies in Tennessee.
|Choice Home Warranty||$46-$55||B||Up to 48 hours||$60-$85|
|American Home Shield (AHS)||$39-$60||B+||Up to 48 hours||$75-$125|
|Select Home Warranty||$60-$65||B+||12 - 48 hours||$60-$100|
|Liberty Home Guard||$35-$50||A+||Up to 48 hours||$90|
|First American Home Warranty||$30-$44||B+||Up to 48 hours||$85|
|Cinch Home Services||$27-$51||B+||Same day||$100-$150|
Home warranties can sometimes be confusing for homeowners in Tennessee. The state’s residents can take help from the Tennessee Department of Commerce and Insurance to guide them. Before choosing a plan, contact the TDCI’s Consumer Affairs Division to inquire about the company.
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