Updated on
January 23, 2023
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Best Home Warranty Companies In Tennessee 2023
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.
Repairs And Replacement Cost Of Different Appliances In Tennessee
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.
$200 Off + 2 Months Free Coverage
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1st month free + Free roof coverage
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$150 off + Free roof coverage + 2 months free
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Top Home Warranty Companies In Tennessee
As there are various home warranty companies operating in Tennessee, here are the top ones.
- Choice Home Warranty : Best For Comprehensive Coverage
- American Home Shield (AHS) : Best For Claims Settlement
- Select Home Warranty : Best For Affordable Premium
- Liberty Home Guard : Best Response Time
- First American Home Warranty : Best For Transparency
- Cinch Home Services : Best Customer Satisfaction
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Premium (Monthly)
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Coverage Limit
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Workmanship Guarantee
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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. |
USPs
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$46-$55 | Upto $3K/item | 60-Day | No | Extended Coverage For Homes Up To 5000 Sq. Ft. At No Extra Fees | |
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VIEW MORE | $39-$60 | $4k-$5k | 30-Day | Yes (Unknown) | HVAC Tune-Ups |
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$46-$50 | $3k/Item | 90-Day | No | Free Roof Leak Coverage | |
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$50-$60 | $2k/Item | 60-Day | Yes (Unknown) | Add-Ons Include Pest Control | |
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VIEW MORE | $47-$87 | $2,500 | 30-Day | No | Unlimited Service Calls All Year Long |
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$73- $106 | $10,000 | 180-Day | Yes (Unknown) | $25 Credit Toward A/C Filters |
Best Home Warranty Companies In Tennessee: Reviewed
Read more about the best Tennessee home warranty companies:
Choice Home Warranty
Best For Comprehensive Coverage
4.0 / 5
Free coverage for a month + roof coverage
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.
Pros
- Provides extended coverage without extra fee for homes up to 5000 sq. ft.
- 90 days parts guarantee
Cons
- Doesn’t provide an option to choose your own contractor
Plans and Coverage
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.
Cost
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.
$50
| $46.83 | $46.83 | Basic Plan |
|---|---|---|
| $54.75 | $54.75 | Total Plan |
Exclusions and Coverage Limit
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:
- Damages because of negligence, unforeseen circumstances, and lack of maintenance;
- Items with pre-existing conditions
American Home Shield (AHS)
Best For Claims Settlement
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.
Pros
- Unlimited systems coverage
- Coverage offered for undetectable pre-existing conditions
Cons
- Repair guarantee is only for 30 days
Plans and Coverage
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.
Cost
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
$50
| $19.99 | $19.99 | ShieldSilver |
|---|---|---|
| $39.99 | $39.99 | ShieldGold |
| $69.99 | $69.99 | ShieldPlatinum |
Exclusions and Coverage Limit
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:
- Routine maintenance, flues, exhaust lines, venting;
- Fungus, bio-organic growth, mold, rot, pest damage;
- Cosmetic damage, chimneys, fire sprinkler systems, and radon monitoring systems.
Select Home Warranty
Best For Affordable Premium
3.5 / 5
$150 off + two months of free coverage + free roof coverage
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.
Pros
- Cashbacks for multi-year plans
- Limited roof leak repair with every plan
Cons
- Lower limits for coverage
Plans and Coverage
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.
Cost
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.
$50
| $45.67 | $45.67 | Bronze Care |
|---|---|---|
| $45.67 | $45.67 | Gold Care |
| $50.25 | $50.25 | Platinum Care |
Exclusions and Coverage Limit
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:
- Abuse, rust, improper installation, corrosion failures
- Known or unknown pre-existing conditions
- All components or parts of covered items like lights, freon, etc.
- Items needing a repair or replacement because of Acts of Nature
- Damages because of mold spores, fire, and water
Liberty Home Guard
Best Response Time
4.5 / 5
$200 off + two bonus months + free roof leak protection
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.
Pros
- A live chat option available for the homeowners
- Provides pest control as an add-on coverage
Cons
- No services provided in Washington and Wisconsin
Plans and Coverage
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.
Cost
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.
$50
| $59.99 | $59.99 | Systems Guard |
|---|---|---|
| $59.99 | $59.99 | Appliance Guard |
| $69.99 | $69.99 | Total Guard |
Exclusions and Coverage Limit
Like other home warranty companies, Liberty Home Guard’s plans also have some exclusions. Some of the things which aren’t covered include
- Known and unknown pre-existing conditions
- Cosmetic defects, glass parts, and components, any repair costs related to the refrigerant
- Costs of construction and carpentry, floods, accidents, fire, water damage, Acts of God
- Electronic, internet-based or computerized parts, exhaust lines, chimneys, and more
The annual coverage limit of Liberty Home Warranty is restricted to $2000 per item.
First American Home Warranty
Best For Transparency
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.
Pros
- Repairs for improper installation are included in the plan
- Unlimited service calls
Cons
- A/C is not a part of any plan and is provided as an add-on coverage
Plans and Coverage
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.
Cost
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.
$50
| $33 | $33 | Basic Plan |
|---|---|---|
| $45 | $45 | Premier Plan |
Exclusions and Coverage Limit
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:
- No pre-existing conditions
- Space heaters, fuel storage tanks, vents
- Shelves, knobs, accessories, transmitters, digital meters
- Doorbells and lock assemblies
Cinch Home Services
Best Customer Satisfaction
3.0 / 5
Two bonus months or $50 Off depending on the coverage
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.
Pros
- 180-day workmanship guarantee
- Free water sensor to detect leaks
Cons
- Doesn’t extends its services to Alaska and Hawaii
Plans and Coverage
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.
Cost
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.
$50
| $27.99 | $27.99 | Appliances Plan |
|---|---|---|
| $32.99 | $32.99 | Systems Plan |
| $39.99 | $39.99 | Complete Plan |
Exclusions and Coverage Limit
Cinch Home Services has a claims liability of up to $10k on each home system and appliance. Other contract exclusions include
- Flues chimney, abuse, misuse, neglect
- Damage because of pet, pest, fire, flood, power failure, or surge
- Remediation because of mold, fungus, and conditions of excessive water pressure.
Annual Cost Of Home Maintenance In Top Tennessee Cities
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.
Athens, Tennessee
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.
Clarksville, Tennessee
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, Tennessee
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.
Bristol, Tennessee
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.
Important Tips To Buy Home Warranty In Tennessee
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.
Average Rainfall51.33 inches/Year
Average Sunlight207 Sunny Days/Year
General Climate Conditions- Warm Summers
- Cool Winters
Tropical CyclonesJune-November
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.
Common Home Repair Problems Faced By Tennessee Homeowners
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.
Electrical & Plumbing Issues
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.
Roofing Damages
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.
HVAC Malfunction
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.
Best Home Warranty Companies In Tennessee: Comparison
Here is a quick comparison between the best home warranty companies in Tennessee.
Company Name | Premium (Monthly) | BBB Rating | Response Time | Deductible | |
| Choice Home Warranty | $46-$55 | B | Up to 48 hours | $85 | |
| American Home Shield (AHS) | $39-$60 | B+ | Up to 48 hours | $75-$125 | |
| Select Home Warranty | $46-$50 | B+ | 12 - 48 hours | $60-$75 | |
| Liberty Home Guard | $50-$60 | A+ | Up to 48 hours | $90 | |
| First American Home Warranty | $47-$87 | B+ | Up to 48 hours | $75,$100,$125 | |
| Cinch Home Services | $73- $106 | B+ | Same day | $100, $125, $150 |
Home Warranty Regulations In Tennessee
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.
Bottom Line
A home warranty is one of the most vital investments for homeowners in Tennessee, so research and pick the right option. We also encourage you to go through the company’s fine print, get free quotes, and do proper research before investing in a home warranty.
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FAQs
Do home warranties cover things already broken?
Yes, some home warranties cover unknown and known pre-existing conditions. Some companies offering this coverage are American Home Shield, Liberty Home Guard, and Cinch Home Services.
What are the best home warranty companies in Tennessee?
The best home warranty companies in Tennessee are Choice Home Warranty, Select Home Warranty, and American Home Shield. However, we have stated the best home protection companies above so that you can choose according to your needs.
What is a home warranty deed?
A home warranty deed is an agreement between the home warranty company and homeowners in which all the information related to the home warranty plan is stated.
How much does a home warranty cost in Tennessee?
A home warranty can cost from $19-$70 in Tennessee, depending on the plan and the home warranty company.