Tennessee homeowners are skeptical of home warranty companies, with the state’s Attorney General warning homeowners of potential home warranty scams as recently as two years ago. But with the state’s extreme weather conditions, breakdowns can be costly and stressful. Can Tennessee homeowners rely on home warranty providers to help during a breakdown?
I’ve extensively researched home warranty service providers in Tennessee and compiled a list of the top five best home warranty companies. I compared quotes, analyzed sample contracts to find exclusions, read and compared hundreds of customer reviews, and spoke with customer service reps. Using Today’s Homeowner (TH) unique rating criteria, each provider has been graded on plans and coverage, affordability, customer experience, company reputation, claims process, and availability. Through this research, I found the top five best home warranty providers in Tennessee offering comprehensive coverage at fair rates and with positive reputations.
The comprehensive grading system developed by experts at Today’s Homeowner along with my research means the providers I recommend can reliably fulfill claims across the state, including those for plumbing stoppages, which can be more frequent in the high elevation of the Appalachian and Smoky Mountains. Alternatively, Tennessee homeowners living in bigger cities — Nashville, Memphis, and Knoxville, for example — will experience higher temperatures, and their appliances and systems will endure more wear from the added heat. When doing your own research, I recommend learning about plan inclusions and exclusions, including those that apply to add-on coverages. Compare these to common breakdowns of the home systems and appliances you want covered to determine if the coverage may be able to fulfill your needs and fit your budget. Be as informed as possible to avoid surprises later.
Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.
Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.
We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.
Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.
Read our full Home Warranty Review Methodology for more details.
Top 5 Tennessee Home Warranty Companies
- Liberty Home Guard is my top recommendation for a home warranty provider in Tennessee for their extensive customization options, including 42 add-ons. I also love that Liberty offers emergency services, multiple service fee options, and has maintained a positive company reputation. That said, if your home has more luxury appliances and systems, I recommend Elite Home Warranty for their incredible coverage limits.
- No one wants to pay for a home warranty plan only to be left uncovered unexpectedly. When shopping for home warranty coverage in Tennessee, be sure to read sample contracts and call customer representatives to learn exactly how providers can support your home.
- Some home warranty providers offer discounts for simply calling to schedule coverage. Be sure to call to get the best deal on your home warranty coverage in Tennessee.
My Expert Recommendation
Though there are multiple high-quality home warranty companies providing service in Tennessee, Liberty Home Guard (LHG) is my top pick. After extensive research and applying TH’s customer-centered rating system, I found that LHG offers the most customizable coverage on the market, including a customizable service fee, 42 add-on options, and the ability to request additional special coverage to suit your needs. LHG also offers emergency services, a necessity for me in a home warranty company. Home repair is expensive, and can be more so during emergencies, so it’s comforting that after-hours and emergency services accompany all of Liberty’s plans.
However, if you’re a homeowner with high-end appliances, I recommend partnering with Elite Home Warranty. Elite has some of the best coverage limits I’ve found, including caps up to $6,000 for home appliances and $10,000 for home systems.
Some home warranty providers offer discounts just for calling, so be sure to get on the phone to secure those discounts.
Tennessee Home Warranty Companies I Didn’t Include
I didn’t include Choice Home Warranty (CHW) on my list because this company has an alarming number of negative reviews across multiple reputable review sites. In 2019, then-Arizona Attorney General Mark Brnovich also announced that his office filed a consumer fraud lawsuit against the provider for making false promises to customers, and reviews on the company’s Better Business Bureau (BBB) profile offers warnings against the company. Despite CHW’s promises of protection, after reading through the BBB reviews I don’t trust this company to fulfill them.
I also didn’t include Cinch Home Services because of their limited coverage options. While Cinch offers affordable coverage, nothing about this company stood out to me as impressive. In comparison, Liberty Home Guard distinguishes themselves for their customization options, and Elite for their high coverage limits — both while offering affordable plans for Tennessee homeowners.
Compare The Highest Rated Home Warranties In Tennessee
| Company | Rating | Monthly Cost | Service Fee | Response Time | BBB Rating | Link |
|---|---|---|---|---|---|---|
 |
$50-$60 |
$75 |
12-48 hrs. |
NR |
VISIT SITE | |
 |
$35–$75 |
$100–$125 |
24-72 hrs |
B |
VISIT SITE | |
 |
$44.99-$58.99 |
$70 |
48 hours |
A+ |
VISIT SITE | |
 |
$46–$55 |
$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$52–$58 |
$75-$85 |
24-48 hrs. |
B |
VISIT SITE | |
 |
$38–$62 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$38–$48 |
$75–$125 |
48 hours |
B |
VISIT SITE | |
 |
$17–$60+ |
$65–$100 |
2–24 hrs |
A- |
VISIT SITE | |
 |
$28–$68 |
$100–$150 |
2–24 hrs |
B |
VISIT SITE |
Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.
Our Reviews of the Best Home Warranties in Tennessee
Liberty Home Guard
4.6
Our Rating
My favorite aspect of Liberty Home Guard (LHG)’s coverage is their incredible number customization options. They offer 42 add-ons, including options aimed at regular home maintenance, such as carpet and gutter cleaning and power washing. I also love that Liberty has received numerous strong customer reviews on trusted review websites, earning 4.8 out of 5 stars on Trustpilot and Google and 4.5 out of 5 stars on the Better Business Bureau (BBB) page. In comparison, LHG’s competitors average scores around 2 to 3 stars, so Liberty stands out here.
While it’s considered standard practice for home warranty providers to offer emergency services, not all do. The fact that LHG offers them is a major reason the company is my top pick for Tennessee homeowners — you’ll have peace of mind that if your AC stops working on a hot and humid July Saturday, you’ll be covered. You’ll also receive a 60-day workmanship guarantee when working with Liberty Home Guard — double the 30-day industry standard.
Even though Liberty offers the most customizable plans on the market, their add-ons are also more expensive than those of their competitors. These average $15 a month, while those of LHG’s competitors, such as Elite, average $6 or less. Even with LHG’s affordable monthly premium, the cost of these add-on options can leave you with much higher payments than anticipated.
The biggest drawback to LHG’s plans is their coverage limits of $2,000. This cap is at the low end of industry-standard coverage limits, with most others offering limits between $2,000 and $3,000, and others, such as Elite Home Warranty, offering caps of $6,000 for home appliances and $10,000 for home systems. While LHG offers add-on coverage for some expensive home items, their coverage limits of $2,000 may not cover breakdowns of these items. Be sure to read through their sample contract and ask specific questions before signing a contract to help avoid surprises later. You should also note that Liberty’s coverage excludes preexisting conditions.
Overall, LHG earned a 9.3 out of 10 stars using Today’s Homeowner’s unique rating system — the highest of any provider on my list. Tennessee homeowners are subject to diverse and often harsh climate conditions, from hot, humid summers to icy winters, and need strong coverage for unexpected systems and appliance breakdowns. I recommend Liberty Home Guard, as they offer affordable plans starting at around $50, unique customization options not offered by competitors, and have earned high ratings from online reviews.
On the other hand, Liberty’s service fees are difficult to find, as they’re buried in the sample contract. This isn’t a deal-breaker, but having to hunt them down lessened my experience as a customer. Liberty also falls short on coverage limits, offering customers only up to $2,000 in payouts. For homeowners with standard appliances and systems, these payouts should be more than enough, but for homeowners with more-expensive appliances and systems, these limits may be too low. and I recommend working with a company, such as Elite Home Warranty or American Home Shield, that makes higher payouts. That said, if you value affordable premiums, customization, and don’t have high-end appliances or systems, Liberty Home Guard is my top recommendation for Tennessee homeowners.
LHG earned a perfect 10 for plans and coverage, offering affordable monthly premiums with comprehensive coverage and unmatched customization options, including 42 add-ons ranging from gutter cleaning and power washing to pools and casita guest units. This provider offers three plan options, including an appliance plan, a systems plan, and one combining both. I would opt for the Total Home Guard plan, as it’s LHG’s most comprehensive and is only $10 more than their basic appliance plan and covers things from ductwork all the way down to your built-in microwave. Liberty also offers extra protection for you with their 60-day workmanship guarantee, which is double the industry standard.
LHG also gives you the option to request additional coverage not currently offered by the provider, asking that you provide the make and model of the home appliance or system and promising to determine if they can offer that specialty coverage for you. This is a feature I’ve only seen offered by LHG, and takes plan customization to the next level. When secret shopping, I was offered a $250-off coupon with two free months for paying annually. These discounts aren’t reflected in the quotes I was given, as they were offered after I received the quotes.
| Plan | Monthly Cost* | Service Fee* | Available Discounts |
| Appliance Guard | $49.99 | $65 – $125 | $250 off plus 2 months free |
| Systems Guard | $54.99 | $65 –$125 | $250 off plus 2 months free |
| Total Home | $59.99 | $65 – $125 | $250 off plus 2 months free |
*Liberty Home Guard offers a range of service fees for customers to choose from. While the quotes I was given are based on the $125 service fee option, when calling to speak with a company representative, you can opt for a service fee within the allotted range ($65 to $125). Keep in mind that when choosing a lower service fee, the cost of your monthly premium will increase, as with all other providers on my list.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, TN. The cost data presented was accurate at the time of writing.
Available Add-Ons
Liberty Home Guard has an extensive list of available add-ons — many more than any other provider I’ve researched. Here are the 42 add-on options and their monthly prices I was quoted at the time of writing:
- Outdoor/Backyard
- Pool and Spa ($19.99/month)
- Additional spa ($9.99/month)
- Lawn and sprinkler system ($9.99/month)
- Saltwater pool ($23.99/month)
- Generator ($19.99/month)
- Casita guest unit ($35.99/month)
- Electronics
- Electronics protection ($19.99/month)
- TV mounting (up to 65-inch TVs) ($14.99/month)
- TV mounting (up to 85-inch TVs) ($19.99/month)
- Professional series appliances
- Pro-series refrigerator ($14.99/month)
- Pro-series stand-alone freezer ($14.99/month)
- Pro-series range/oven/cooktop ($12.99/month)
- Pro-series dishwasher ($7.99/month)
- Pro-series microwave ($4.99/month)
- Pro-series washing machine ($4.99/month)
- Pro-series clothes dryer ($4.99/month)
- Optional appliances
- Central vacuum ($8.99/month)
- Stand-alone freezer ($5.99/month)
- Water softener ($13.99/month)
- Swamp cooler ($14.99/month)
- Second refrigerator ($7.99/month)
- Trash compactor ($7.49/month)
- Ice maker (in fridge) ($3.99/month)
- Freestanding ice maker ($14.99/month)
- Wine cooler/fridge ($11.99/month)
- Water dispenser water line ($4.99/month)
- Instant hot water dispenser ($9.99/month)
- Reverse osmosis water filter system ($14.99/month)
- Home maintenance
- Limited roof leak ($11.99/month)
- Re-key ($9.99/month)
- Gutter cleaning ($14.99/month)
- Pest control ($14.99/month)
- Carpet cleaning ($19.99/month)
- Window washing/cleaning ($19.99/month)
- Power washing (exterior flooring) ($19.99/month)
- Fixtures
- Lighting fixtures ($7.99/month)
- Plumbing fixtures ($7.99/month)
- Pumps/Pumping
- Sump pump ($8.99/month)
- Well pump ($12.99/month)
- Septic system pumping ($12.99/month)
- Ejector pump ($14.99/month)
- Grinder pump ($14.99/month)
- Most popular add-ons for Liberty customers in Tennessee
- Stand-alone freezer ($5.99/month)
- Limited roof leak ($11.99/month)
- Septic system pumping ($12.99/month)
- Ice maker (in fridge) ($3.99/month)
- Pool and Spa ($19.99/month)
Although they’re more expensive than those of competitors, Liberty’s add-ons include options for regular home maintenance and unique home features not typically protected by home warranties, such as pest control, carpet cleaning, and pro-series appliances. If you want support maintaining your home or have unique needs for add-ons, I recommend partnering with LHG.
Exclusions
These are notable exclusions from Liberty Home Guard’s sample contract:
- Refrigerator
- Refrigerant
- Ranges/oven/cooktops
- Doors and door seals
- Sensi-heat burners replaced with standard burners
- Air conditioning
- Leaks of any kind
- Gas AC
- Electrical
- Carbon monoxide alarms, smoke detectors, and related systems
- Preexisting conditions
Because Liberty excludes preexisting conditions, I recommend Tennessee homeowners have their appliances and systems evaluated prior to beginning coverage with LHG. I also recommend keeping up with all maintenance records, as preexisting conditions will exclude your items from coverage.
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
LHG’s plans start at $49.99 and fall within industry-standard pricing. That said, their add-on coverages are more expensive, with costs averaging around $15 monthly. Liberty does offer a customizable service fee, however, allowing you the option to pay between $65 and $125 per service call. To choose your service fee, be sure to call to schedule coverage, as service fee options are not available through their online quote calculator.
LHG requires you to pay a $50 cancellation fee after the 30-day waiting period — a fact that has surprised some customers (per online reviews), as this information is buried in their sample contract. Homeowners choosing to work with Liberty get excellent value, despite costly add-ons and low coverage caps, earning the provider an 8.9 out of 10.
Liberty Home Guard earned a 7.8 for customer experience based on Today’s Homeowner’s customer-centered rating criteria, and my experience with the provider reflects that score. LHG offers helpful customer service and multiple communication avenues — live chat, email, and phone number — on their website. I found their quote process to be simple and easy, and appreciated that their quote calculator allowed me to easily compare plans and pricing. Liberty lost points for hiding their service fees in the sample contract and utilizing multiple points of contact throughout the quotes and claims process. This often results in you being asked to repeat information several times, leaving you frustrated.
Excluding digging for service fees, I found the quote process for Liberty Home Guard to be straightforward. LHG also includes add-ons and their costs in their quote calculator more seamlessly than their competitors do, allowing me to see how add-ons would affect my monthly premium from one screen.
I’ve seen no other home warranty company receive such positive reviews so consistently, earning LHG the highest company reputation score of any provider on my list. For Tennessee homeowners looking for reliable coverage proven by positive reviews left by thousands of customers, Liberty should be your top choice. Liberty’s overwhelmingly positive reviews praise the company for their follow-through on payout promises — a huge plus for LHG. Other positive reviews praise fast claims and issue resolution, and knowledgeable and helpful customer service representatives. After digging for negative reviews, I found some comments on delayed breakdown resolution, shady practices with service fees, and payouts that customers felt were insufficient.
I’m unsurprised by negative reviews surrounding service fee fine print, as the company chooses to bury service fee information in their service contract, but am pleased with LHG’s online customer review ratings, as the company has earned 4.7-star ratings on Trustpilot and Google, and a 4.48-star average for reviews left with the Better Business Bureau website. It is important to note, though, that LHG’s BBB rating has been changed from an A+ to an NR (Not Rated) recently due to a large volume of complaints being made with the bureau. This isn’t ideal, but Liberty has a strong history of positive customer reviews, and far surpasses their competitors’ scores for company reputation.
| Rating Site | Rating | Number of Reviews |
| BBB | NR (Not Rated)* / 4.5 out of 5 stars | 2,500 |
| Trustpilot | 4.8 out of 5 stars | 3,334 |
| Yelp | 1.4 out of 5 stars | 61 |
| 4.7 out of 5 stars | 10,727 |
Editor’s Note: The ratings provided were accurate at the time of writing.
*Note (as of 05/17/24): Recently, the Better Business Bureau shifted LHG’s A+ rating to “NR” (Not Rated). We reached out to a representative from LHG for comment, and they shared this statement: “Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”
LHG earned top marks for their claims process, and for good reason. This provider promises an average response time of within 12 hours of filed claims, and further to dispatch a technician to your home within 24 to 48 hours of claim filing. This gives me confidence that LHG values you and your home, and aims to treat each breakdown as if it were an emergency. Customer reviews praise the company for quick breakdown resolution and payout processes. Liberty also offers emergency services, giving homeowners protection if their AC goes out in the summer or a pipe bursts on the weekend. LHG offers services after hours, and on weekends and holidays without charging customers additional fees — a rare benefit.
Liberty also earned a perfect score for their availability. This provider is available in all 50 states, proving its ability to fulfill warranty claims. LHG’s widespread availability also guarantees access to a large network of trusted technicians who can repair your breakdowns quickly.
American Home Shield
4.3
Our Rating
American Home Shield (AHS) is second only to Elite Home Warranty for coverage limits in Tennessee, offering caps up to $5,000 for home systems like HVAC and $4,000 for home appliances like refrigerators. For comparison, this is between $2,000 and $3,000 higher than Liberty Home Guard’s coverage limits. AHS also has one of the most user-friendly websites I’ve found in my research. I love that their quote calculator includes the start date for coverage, demonstrating that the company values transparency. I appreciate that AHS’s plans cover preexisitng conditions, giving homeowners with older appliances and systems confidence their items will be covered. American has been in business for 50 years, and has developed a vast network of expert technicians during that time. For Tennessee homeowners with more expensive home systems and appliances, American Home Shield is a reliable company offering coverage limits that support their promises, earning them a spot in my top five best home warranty companies in Tennessee.
The number of negative reviews AHS has received across multiple reputable review websites gives me pause when recommending the company. AHS’s customer review scores average 2 to 3 out of 5 stars — far lower than those of competitors such as Liberty Home Guard, Elite Home Warranty, and Select Home Warranty. Negative reviews cite slow responses to claims and gaps in transparency, including surprise cancellation fees and breakdowns being unexpectedly denied coverage. If you want to partner with a company with a higher reputation, I recommend Liberty, Elite, or Select.
American Home Shield has some of the best coverage limits in Tennessee, offering caps of $4,000 for appliances such as your refrigerator and garbage disposal and $5,000 for systems including electrical and plumbing systems. Competitors average coverage limits between $2,000 and $3,000, giving American an edge.
I found the quotes process straightforward with AHS, with a user-friendly website to help. You can easily compare plans and prices, and learn about exclusions directly from the quotes page — advantages other home warranty providers could incorporate to improve customer experience. Even though AHS’s top-tier plan (ShieldPlatinum) is more costly than analogous plans from other companies, American’s higher coverage payouts may make the higher monthly premium worth it for you if you have more expensive appliances and systems than the average homeowner.
One thing I love about American is that they promise to cover undetectable preexisting conditions. That said, some negative reviews discuss longer waiting times for repairs, and AHS’s workmanship guarantee runs out after 30 days. This is something to keep in mind if choosing to work with this company. That said, their industry standard-breaking coverage limits and preexisting condition coverage keep AHS on my list and earned them an 8.6 overall.
American Home Shield offers three plans: ShieldSilver, covering 14 major home systems; ShieldGold, adding nine appliances to ShieldSilver’s coverage; and ShieldPlatinum, their most comprehensive plan, adding items like roof repair leaks and a free HVAC tune-up. A unique feature of ShieldPlatinum is that it offers protection for code violations, permits, and modifications, which home warranties don’t typically cover. Another added benefit to the ShieldPlatinum plan is the free annual HVAC tune-up, which can help prevent breakdowns.
AHS offers further protections for older systems and appliances through ShieldAssurance, which is a feature accompanying SheildPlatinum and promising protection for undetectable preexisting conditions, items without maintenance records, and more. ShieldAssurance adds coverage for permits and code violation repairs for those opting for the ShieldPlatinum plan. These are typically issues that would leave your claims denied, making ShieldAssurance a huge plus for choosing to partner with AHS for home protection (if you opt for the ShieldPlatinum Plan).
AHS offers two service fee choices: $100 and $125. While these are higher than those of some competitors, they help keep your monthly premium lower. I personally would opt for the $125 service fee to keep my monthly premium as low as possible.
When requesting my free quote, I was offered a 40% discount on the ShieldGold plan, though I’d still opt for ShieldPlatinum if working with AHS.
| Plan | Monthly Cost* | Service Fee* | Available Discounts |
| ShieldSilver | $39.99, $29.99 | $100, $125 | No current discounts |
| ShieldGold | $36.00, $30.00 | $100, $125 | 40% off ShieldGold |
| ShieldPlatinum | $89.99, $79.99 | $100, $125 | No current discounts |
*Higher monthly costs “pair” with lower service fees; for example, with the ShieldSilver plan the $39.99 monthly cost pairs with the $125 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, TN. The cost data presented was accurate at the time of writing.
Available Add-Ons
The following are American Home Shield’s available add-ons and their monthly costs:
- Electronics protection plan ($14.99/month)
- Guest unit ($44.99/month)
- Pool and built-in spa equipment ($44.99/month)
- Septic pump ($5.00/month)
- Well pump ($8.00/month)
Personally, I might opt to add the electronics protection plan, which adds coverage for an unlimited number of new and used electronic devices. You should note the clearly listed exclusion of secondhand or “as-is” devices. I’d recommend keeping the receipts for devices you want covered in case you need proof of purchase to receive coverage.
Exclusions
Here’s a list of noteworthy exclusions I pulled from American’s sample contract:
- Construction, carpentry, and restoration costs
- Commercial use limitation
- Shared items and systems
- Inaccessible locations
- Non-standard equipment
- Secondary items and services
- Cosmetic damage
- Any feature that is not a primary function of a covered item
- Improper capacity — if the item is the incorrect size for the home based on industry standard
- Misuse and accidental acts
- Breakdowns and delayed and/or prevented services due to natural causes
- Known preexisting breakdown
- Flues, chimneys, fireplaces, and exhaust lines
- Power and fuel sources, including solar power systems
- Breakdowns covered by other insurance and warranties
- Manufacturer or government recall
- Hazardous materials, including mold
- Routine maintenance
- Smart home systems
- Multi-media center
- Outdoor kitchens
I appreciated that AHS was the most transparent with exclusions of any home warranty company I’ve researched. All exclusions are clearly listed on their free quote page, where you can also compare plans and view add-ons — click the information button to the right of the item to learn what is covered and excluded for each (see example below). The bottom of this page even explains ShieldAssurance and provides a link to AHS’s sample contract.
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
American Home Shield earned an 8.7 for affordability based on TH’s rating system. Clearly, this is not the most affordable coverage offered on my list considering AHS’s most comprehensive plan costs at least $30 more a month than those of some competitors. While American also offers some relatively cheaper plans — ShieldGold and ShieldSilver — ShieldSilver doesn’t cover much on its own. ShieldGold is competitively priced and offers good coverage for the average homeowner, but you may prefer working with a company with more consistent online reviews. However, AHS does offer flexibility in monthly premiums with their two service fee options.
The trade-off for higher monthly premiums with AHS is access to their outstanding coverage payouts. For Tennessee homeowners dealing with a wide array of climate challenges, home repair can quickly reach thousands of dollars, especially for more expensive home appliances, like clothes washers, and systems, like heating and air conditioning systems. If you want comprehensive coverage at affordable rates, or prioritize company reputation, I recommend partnering with another company like Liberty Home Guard. Alternatively, if you prioritize high coverage payouts or added benefits and are willing to pay higher monthly premiums, I recommend AHS.
Although AHS has been in business for 50 years, I found several negative reviews complaining of unreturned calls and messages. This is somewhat worrying, as a longstanding business should have better communication practices, although we don’t know the other side of the story. The company also lost points here for their short 30-day workmanship guarantee. By comparison, LHG offers a 60-day guarantee.
That said, AHS has one of the most user-friendly websites I have seen a home warranty company offer. Their website is not only a wonderful entry point for new customers, but it also holds many helpful tools for ongoing customers, such as some helpful home repair articles. AHS also documents multiple forms of contact — email, customer service, and support phone numbers — on every page of their website.
As I mentioned before, American’s low ratings are concerning — it’s earned 1.1- to 2.2-star ratings on BBB, Trustpilot, and Yelp. After researching, I found that negative reviews complain of late and/or unresponsive contractors, unqualified technicians worsening breakdowns, shady business surrounding rejected claims, and poor communication from AHS service reps. That being said, many negative reviews seem to result from customers’ lack of understanding of the contract terms. Personally, I’m most concerned with complaints of service delays with AHS. It’s important that you read your contract thoroughly so you can avoid the surprises some AHS customers have been met with.
Alternatively, positive reviews praise the company for their excellent coverage and caps, and customers express that they received payouts as promised. AHS has a largely positive review rating on Google, earning a 4.5-star rating from over 33,000 reviews. I also appreciate that American has replied to almost all negative reviews — many within 24 hours of the complaint being posted. This helps give me confidence that AHS prioritizes customer satisfaction and will take action to resolve issues.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 2.11 out of 5 stars | 11,108 |
| Trustpilot | 2.2 out of 5 stars | 5,335 |
| Yelp | 1.1 out of 5 stars | 1,300 |
| 4.5 out of 5 stars | 33,296 |
Editor’s Note: The ratings provided were accurate at the time of writing.
Breakdowns can happen anytime, so AHS’s 24/7 customer service and claim filing system is reassuring. AHS also allows you to track your home repair history and follow up with a rep on your own online portal — a super-helpful tool unique to AHS. While a simple claims process is standard for the industry, the transparency that American’s tracking tool allows can help the repair process to be less stressful and keeps you in the loop without the added hassle of calling.
American Home Shield is available in 49 states, excluding only Alaska. AHS’s near-nationwide availability proves their ongoing ability to fulfill payout promises. It also indicates that AHS has access to both local and nationally serving repair technicians and experts, helping ensure your repairs will be done right the first time.
Select Home Warranty
4.2
Our Rating
Select Home Warranty (SHW) offers limited roof leak coverage with all of their plans, which no other provider on this list affords you. This coverage could be incredibly helpful for Tennessee homeowners if your roof begins leaking on a rainy spring day. Typically, roof coverage is excluded (or occasionally, it’s offered as an add-on option), so Select stands out for this excellent coverage. Beyond their exceptional roof leak inclusion, SHW’s monthly premiums are cheaper than those of most competitors on my list, with their most comprehensive plan costing $47.75 monthly.
If you prioritize customizability in your home warranty, you’ll be disappointed by the minimal number of add-on coverages Select offers, especially in comparison to other providers such as Elite Home Warranty and Liberty Home Guard. Select also excludes preexisting conditions, and this could be a huge deal-breaker for Tennessee homeowners without maintenance records for their appliances and systems. I recommend having your home inspected to confirm the status of your appliances and systems before signing a contract with SHW to prevent claims surprises later. I also dislike that Select imposes a $75 policy cancellation fee, and some negative reviews complain of difficulty with policy cancellation requests.
Select offers three straightforward plans, including an appliance plan, systems plan, and a comprehensive plan covering both. The provider stands out for their affordable coverage, with all three plans offered costing under $50 per month. Additionally, Select offers coverage limits of $3,000. While these are lower than those of some competitors, such as Elite, they’re higher than those of other companies, such as Liberty Home Guard, and these caps are offered with lower monthly premiums than LHG. However, a $3,000 cap may not entirely cover costly repairs to essential systems such as your HVAC system, which Tennessee’s weather extremes can stress. I recommend considering potential repair costs for your equipment before enrolling with SHW. If you own standard or low-cost systems, though, Select’s value offers security without the need to overspend for coverage.
SHW’s 90-day workmanship guarantee, dwarfing the industry standard 30- to 60-day guarantee, is a huge comfort as well. With simple plan options, affordable prices, and comprehensive coverage (including roof protection), Select Home Warranty serves Tennessee homeowners wanting good value without costly premiums and confusing plans.
Select offers simple coverage options, including an appliance plan, systems plan, and one combining coverage for both. I find SHW’s single-option plans lacking when compared to similarly priced plans from other providers, as opting for these plans leaves vital appliances or systems uncovered. For example, for $36 a month with AHS’s ShieldGold, all major systems and appliances, including air conditioning and heat, refrigerator, clothes washer and dryer, and electrical and plumbing systems are covered. Alternatively, the Gold and Bronze care plans cover only appliances or systems for $6 more than ShieldGold. If working with SHW, I would opt for the Platinum Care plan, especially since it costs only $3.33 more per month than their cheaper plans. Unless your appliances or systems are new and covered by manufacturer’s warranties, leaving you needing protection for systems or appliances only, I recommend the Platinum Care plan for nearly all Tennessee homeowners.
I was offered a $200 discount and two free months of coverage (if opting to pay annually) when secret shopping with SHW. While you may not be offered this discount during your quote process, Select regularly offers $150 off and two free months when you opt to pay annually — a great way to save even more money if you can pay up front.
| Plan | Monthly Cost | Service Fee | Available Discounts |
| Gold Care | $44.42 | $75 | $200 off, 2 months free, free roof leak coverage |
| Bronze Care | $44.42 | $75 | $200 off, 2 months free, free roof leak coverage |
| Platinum Care | $47.75 | $75 | $200 off, 2 months free, free roof leak coverage |
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, TN. The cost data presented was accurate at the time of writing.
Available Add-Ons
These are Select Home Warranty’s limited add-on offerings and their monthly costs:
- Central vacuum ($3.33/month)
- Lawn sprinkler system ($5.83/month)
- Pool ($8.33/month)
- Roof leak ($0/month)
- Septic system ($5.83/month)
- Spa ($5.83/month)
- Stand-alone freezer ($3.33/month)
- Sump pump ($3.33/month)
- Well pump ($3.33/month)
While Select provides fewer add-ons than companies such as Elite Home Warranty and Liberty Home Guard, they do offer coverages valuable to both urban and rural Tennesseans.
Exclusions
Here are notable exclusions from the company:
- Range hood
- Solar heating systems
- Water softeners
- Hot tubs
- Clogged pipes
- Sealed systems
For Tennessee homeowners living in the mountains, SHW’s clogged pipe exclusion might be a deal-breaker, as mountain living can bring more frequent plumbing stoppages. Be sure to consider your potential need to address this problem when signing up for coverage.
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
SHW stands out for their affordable premiums, costing between $40 and $50 a month before discounts. For comparison, the average among companies I’ve researched is between $50 and $60 monthly. Select only offers one service fee of $75, restricting your customization options. However, $75 is a much lower service fee than some competitors charging up to $125 per service call.
My customer experience with Select Home Warranty was positive, and I was impressed with how easy their website is to use. Their free quote calculator allows you to select add-ons and see how they’ll impact your monthly premium. Coverage and cost details are easily found on their website, while some of competitors require you to call for a quote. The website also features informative content on protections that might fit your repair risks and budget. SHW’s approach, rather than employing pushy sales tactics, is inviting to customers.
Select Home Warranty earns mediocre reputation scores among customers, which warrants my 8/10 rating. Its Better Business Bureau grade sits at a decent B, but reviews are mixed on sites like Trustpilot and Google. On the positive side, many past clients highlight helpful customer service, easy signup, and rapid repairs after claim approval. But critical feedback cites frustrating drawbacks too — mainly low reimbursements on claims, denied coverage, and unskilled technicians doing work.
As with all providers on my list, filing a claim with SHW is simple — you can submit a claim online or call. Their average response time is around 48 hours for non-emergencies. While this is slower than the response time of competitors such as Liberty Home Guard, the company does promise to prioritize critical issues with their 24/7 emergency service offering. So when your AC goes out in July in Tennessee, Select will prioritize that emergency problem.
Select Home Warranty offers coverage in all 50 U.S. states and Washington, D.C. Because SHW has positive customer satisfaction ratings nationwide, I’m confident Select is reliable when protecting homeowners in any state, including Tennessee.
Elite Home Warranty
4.3
Our Rating
Elite Home Warranty offers multiple unique benefits to their customers. The first is their incredible coverage limits of up to $6,000 for appliances and $10,000 for home systems. I’m impressed that Elite is able to maintain such high coverage limits while offering competitively priced service contracts and 26 add-on options. EHW has also earned 4.5- to 5-star ratings across multiple reputable review websites, including Google, Yelp, Trustpilot, and the BBB. This far surpasses the average for home warranty companies I’ve researched of 2- to 3-star ratings and shows that Elite’s customers are clearly satisfied.
EHW offers a 90-day workmanship guarantee — the longest I’ve found offered by a home warranty provider in my research. While the company requires a standard service fee of $75, its sample contract says you can choose your own service fee if you’d rather by calling and speaking with a representative. Elite Home Warranty is an excellent choice for Tennessee homeowners wanting to take advantage of ultra-high coverage limits along with affordability and customization options.
Including emergency services with coverage is standard practice for home warranty companies, but EHW’s service contract promises only that the company will decide what constitutes an emergency and make reasonable efforts to expedite services. Homeowners must also pay an additional $150 service fee for any services provided outside normal business hours. When critical systems and appliances fail after hours or on the weekends, such as a heating unit giving out during a snowy winter, Tennessee homeowners need urgent support against the threat of burst pipes and extreme temperatures.
EHW also requires a $150 service fee (instead of the usual $75 service fee) for professional-grade and luxury appliances, including pool and spa equipment, luxury or special grade appliances, and more manufactured by SubZero, Wolf, Bosch, GE Monogram, and other professional or luxury brands. Keep this in mind when choosing to partner with EHW.
Elite also voids their impressive workmanship guarantee when you opt to choose your own technician — a fine-print exclusion to take note of. EHW also doesn’t offer monthly payments, so keep in mind that your initial outlay to procure service with this company is likely going to be much higher than with other companies. While Elite’s website is initially difficult to navigate, they are the only provider I found to offer an accessibility presets option allowing you to customize your webpage view to fit your needs.
Elite Home Warranty has the best coverage limits in the industry, offering $6,000 caps for appliances and $10,000 for systems — three times the limits of Liberty Home Guard. And, with a customer reputation that proves satisfaction, you have the peace of mind that EHW fulfills their promises. That said, Elite only offers emergency services at their discretion and you must pay an extra fee of $150 on top of the service fee. If you’re a Tennessee homeowner with high-end or luxury appliances that bring pricey repairs, and you are willing to pay more out of pocket for emergency services, EHW is the best home warranty company for you.
EHW offers three competitively priced plans, including an appliances plan, systems plan, and a plan combining coverage for both. I recommend opting for their Elite Complete plan, as it’s the most comprehensive and costs only $15 more per month than their basic appliances plan. Elite excels in coverage limits, offering $6,000 for appliances and $10,000 for systems, and I’m impressed that the company can offer affordable premiums with those payout rates.
Because Tennessee homeowners can experience extreme weather that wears on appliances and systems in all seasons of the year, these higher coverage limits provide comfort that repair costs will be covered with Elite. Additionally, I was offered a $150 discount and a 30-day free trial when secret shopping. This provider also advertises further discounts for calling and speaking with a rep.
| Plan | Monthly Cost | Service Fee* | Available Discounts |
| Elite Appliances | $44.99 | $75 | $150 off plus 2 months free |
| Elite Systems | $49.99 | $75 | $150 off plus 2 months free |
| Elite Complete | $59.99 | $75 | $150 off plus 2 months free |
*To customize your service fee, call to speak with a customer service representative. Remember that changing your service fee will also alter your monthly premium.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, TN. The cost data presented was accurate at the time of writing.
Available Add-Ons
Here are Elite Home Warranty’s available add-ons and their annual prices:
- HVAC annual maintenance ($299.99/year)
- Pool and spa equipment ($199.99/year)
- Pool equipment ($149.99/year)
- Freestanding spa equipment ($119.99/year)
- Generator ($99.99/year)
- Limited roof leak repair ($99.99/year)
- Septic system ($129.99/year)
- Sump pump ($99.99/year)
- Well pump ($99.99/year)
- Ejector pump ($99.99/year)
- Grinder pump ($99.99/year)
- Lift pump ($99.99/year)
- Lawn sprinkler system ($99.99/year)
- Service line ($349.99/year)
- Freestanding freezer ($59.99/year)
- Central vacuum ($49.99/year)
- Jetted/hot tub ($99.99/year)
- Wine cooler ($69.99/year)
- Freestanding ice maker ($59.99/year)
- Water softener ($99.99/year)
- Water filtration system ($99.99/year)
- Attic exhaust fan ($69.99/year)
- Swamp cooler ($149.99/year)
- Guest house ($299.99/year)
- Premium appliances ($249.99/year)
- Premium systems ($299.99/year)
- Premium systems plus ($499.99/year)
- Premium benefits ($199.99/year)
- Geothermal heating and cooling system ($299.99/year)
Elite offers more add-ons than most other providers in the industry, second only to Liberty Home Guard. I love that Elite supports their add-on coverage for items like premium appliances and systems with their incredible coverage limits — making add-on coverage worth it.
Exclusions
The following are the notable exclusions from Elite Home Warranty’s coverage that I pulled from their provided sample contract:
- Natural disaster-related damages
- Acts of God
- Commercial-grade appliances
- Units in a rental property
- Cosmetic damages
- Lack of maintenance
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
EHW’s plans are competitively priced, and the average cost of their add-ons is around $13 monthly, falling within the range of average pricing for add-ons of the providers I’ve researched. Between added costs for after-hours services and premium equipment repairs and some pricey add-ons, service contract costs with Elite Home Warranty can add up quickly for Tennessee homeowners. That said, EHW offers a month free trial which includes a discounted service fee of $70 — a fantastic way to determine if the company will be a good fit for you and your home.
My customer experience with EHW was lacking. I found their website difficult to navigate, and their quote process is more complicated than that of their competitors. While other home warranty providers offer a quote calculator (some seamlessly integrate service fees and add-on pricing as well), EHW requires you to call for premium estimates specific to your area. Elite doesn’t list prices for add-ons for you to find easily, either, as they’re buried in the sample contract you can find on the website or that they’ll email you.
Once I learned to navigate their website I found helpful tools such as the accessibility presets button and questions and answers tab. Elite also has many positive customer reviews online, demonstrating their customers appreciate their service and coverage.
Elite Home Warranty is a new company — it’s been in business only four years at the time of this writing. Because it’s young, EHW has fewer reviews than competitors, lowering their score for company reputation. However, EHW maintains accreditation, an A+ rating, and positive customer reviews from the BBB, lending them plenty of credibility.
Reviews are overwhelmingly positive, highlighting the easy claims process and EHW’s dedication to ensuring repairs meet homeowners’ standards. Negative reviews mostly discuss frustration with waiting periods, general disorganization, and aggressive sales tactics. Elite routinely responds to negative comments left on multiple platforms, reassuring me that EHW prioritizes customer input and experience.
| Rating Site | Rating | Number of Reviews |
| BBB | A+ / 4.97 out of 5 stars | 371 |
| Trustpilot | 4.8 out of 5 stars | 79 |
| Yelp | 4.8 out of 5 stars | 4 |
| 4.8 out of 5 stars | 149 |
Editor’s Note: The ratings provided were accurate at the time of writing.
Like competitors, Elite gives you the option to file a claim 24/7 either online or by phone, and responds to claims within 24 to 48 hours. Unlike competitors, though, EHW doesn’t guarantee access to emergency repairs and charges an additional service fee if such services are provided — so Tennessee homeowners could be left with no AC on a hot summer night, or a burst pipe due to a heating system that went unrepaired over the weekend in winter.
Elite Home Warranty is available in 47 states, including Tennessee. Since the company has nearly nationwide availability, you can trust that it has access to expert technicians to repair your home’s breakdowns.
First American Home Warranty
4.3
Our Rating
First American Home Warranty (FAHW) offers some excellent coverage limits. Their Premium Plan includes limits up to $7,000 for systems and appliances, while even their Starter and Essential Plans include caps up to $3,500. These are some of the highest coverage limits I have seen after researching several home warranty providers. A unique feature to FAHW is their inclusion of coverage for preexisting conditions and improperly installed appliances. I appreciate the flexibility and customization that First American offers through three service fee options of $75, $100, or $125. This allows you to customize your monthly premium. Personally, I would opt for the $125 option to keep my monthly premium as low as possible.
I dislike that FAHW imposes additional fees to include air conditioning coverage in their contracts, and further, only offers coverage limits of $1,500 for these systems. This is significantly lower than the $3,000 to $10,000 many competitors offer for AC coverage — concerning as these repairs can easily cost thousands of dollars, and low coverage caps could leave you with significant financial burdens.
FAHW plans carry monthly premiums higher than other providers I researched in Tennessee, as the Premium Plan costs $84 when opting for a $75 service fee. First American’s plans offer comprehensive coverage to homeowners but are not the best choice for those shopping for coverage on a tight budget.
First American Home Warranty earned an 8.7 overall based on Today’s Homeowner’s unique rating system. The provider stands out for their exceptional coverage limits, including limits offered with the Starter and Essential Plans. If your home has high-end appliances or systems, the Premium Plan gives exceptional coverage and has high caps to support higher repair and replacement costs. I also appreciate that you can choose from three service fee options and an affordable list of add-ons, allowing you to easily customize your coverage.
Unfortunately, FAHW’s $1,500 coverage cap for HVAC systems is low and could leave you with costly repair bills. If you prioritize exceptional appliance coverage and don’t mind a higher monthly premium, I recommend FAHW’s Premium Plan. However, if you prioritize HVAC coverage, American Home Shield or Elite Home Warranty may be a better fit for you.
First American earned a 9 out of 10 for their tiered, comprehensive plans — the Starter, Essential, and Premium Plans, which all include coverage for electrical, plumbing, and heating systems and kitchen appliances. The Essential Plan also includes coverage for clothes washers and dryers, water heaters, ductwork, central air conditioning, and more. On top of that, the Premium Plan adds coverage for garbage disposals and central vacuums, among other items, and coverage for improper installation, modifications, and code upgrade repairs. When secret shopping with FAHW, I was offered a discount of $100 for my first year of coverage.
| Plan | Monthly Cost* | Service Fee* | Available Discounts |
| Starter Plan | $44.00, $49.00, $59.00 | $125, $100, $75 | $100 off annual cost |
| Essential Plan | $54.00, $59.00, $74.00 | $125, $100, $75 | $100 off annual cost |
| Premium Plan | $69.00, $74.00, $84.00 | $125, $100, $75 | $100 off annual cost |
*Higher monthly costs “pair” with lower service fees; for example, with the Starter Plan the $44.00 monthly cost pairs with the $125 service fee.
Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, TN. The cost data was accurate at the time of writing.
Available Add-Ons
First American Home Warranty offers the following add-ons:
- Pool/spa equipment ($20.83/month)
- Additional refrigeration ($4.17/month)
- Septic tank pumping/system ($7.08/month)
- Central air conditioning (electric) ($8.33/month)
- Well pump ($7.08/month)
- First American advantage ($0.00/month – offered with Essential and Premium Plans only)
- Water softener ($7.08/month)
- Limited roof leak ($8.33/month)
- HVAC Tune-Up ($2.08/month)
Exclusions
I pulled the following notable exclusions from the FAHW sample contract:
- Solar systems
- Hazardous and toxic materials
- Anything covered otherwise under a manufacturer’s warranty
- Routine maintenance
- Bringing systems into code compliance
- Structural modifications
- Modifications to existing equipment
- Secondary damage
- Cosmetic fixes
These are exclusions I would expect to find.
Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.
Even though First American’s comprehensive plans are more costly than similar plans offered by competitors, the provider offers cheaper add-ons and higher coverage limits – making the higher monthly premiums worth it to some Tennessee homeowners. FAHW also offers three service fee options, letting you customize your monthly premium. If you want the lowest monthly premium possible, opt for the highest service fee option of $125. If you want low out-of-pocket costs come repair time, opt for the lowest service fee option of $75 with the understanding that your monthly premiums will be slightly higher. If you’re a Tennessee homeowner with more expensive appliances and systems, and don’t mind the potential for out-of-pocket costs to repair your HVAC system, FAHW offers comprehensive plans with affordable add-ons and customizable monthly premiums and may be a wonderful fit for you.
First American Home Warranty’s website is user friendly and intuitive, making it easy to compare plans, see coverage details, and view all pricing options, including service fees and add-ons. The provider even includes their sample contract in the quote calculator tool, taking transparency to the next level. That said, FAHW lost points here for using multiple points of contact after customers receive a quote. Overall, the company’s responsiveness and user-friendly tools create positive experiences for customers.
I found FAHW’s reviews on third-party websites to be a mixed bag. Negative reviews complain of unexpected claim denials, slow repair times, inadequate contractors leaving breakdowns in disrepair, and issues with communication. Alternatively, FAHW earned a 4.1 out of 5 stars based on nearly 14,000 reviews posted to Trustpilot. Positive reviews praise the company’s helpful and knowledgeable customer service team, comprehensive coverage, and quick repair process. FAHW maintains less-than-stellar B rating with the BBB but actively engages with customer complaints on the BBB website to address complaints. This is an uncommon practice among home warranty providers and indicates FAHW values customer input and prioritizes issue resolution.
| Rating Site | Rating | Number of Reviews |
| BBB | B / 1.78 out of 5 stars | 1,867 |
| Trustpilot | 4.1 out of 5 stars | 13,822 |
| 2.8 out of 5 stars | 2,622 | |
| Yelp | 1 out of 5 stars | 431 |
Editor’s Note: The ratings provided were accurate at the time of writing.
FAHW offers multiple convenient ways to submit claims 24/7, including by phone, through your customer portal, or via email. First American maintains good communication with customers throughout the repair or replacement through the online dashboard as well, providing claim status updates and estimated timelines for resolution. FAHW also offers emergency services, earning them a higher score than some of their competitors, like Elite Home Warranty.
First American Home Warranty claims to offer coverage in 35 states, and FAHW scores in other categories reflect this. A provider with a smaller service area is more likely to have a smaller pool of resources than a company with a wide service coverage area, leading to inconsistent service quality and challenges in fulfilling contract promises. That said, FAHW maintains a positive company reputation overall, reassuring me that the company can honor contracts and provide consistently positive customer service.
Calculate the Cost of Tennessee Home Warranty
Our home warranty cost calculator can help you determine the yearly costs associated with your specific home warranty plan. Below, input your estimated monthly premium, service call fee, and the number of claims you anticipate to calculate your yearly home warranty cost.
| Appliance | Average Repair Cost | Average Replacement Cost |
|---|---|---|
| Dehumidifier | $50–$200 | $1,300–$2,800 |
| Microwave | $50–$400 | $60–$2,000 |
| Dishwasher | $50–$500 | $400–$3,000 |
| Exhaust Fans | $16–$300 | $250–$950 |
| Electric Range | $100–$500 | $230–$3,000 |
| Gas Range | $100–$500 | $230–$3,000 |
| Dryer | $100–$400 | $450–$2,300 |
| Oven | $100–$430 | $400–$3,000 |
| Washer | $50–$450 | $400–$2,300 |
| Freezer | $90–$500 | $160–$2,900 |
| Refrigerator | $40–$350 | $200–$5,000 |
Tennessee Home Warranty Regulations
Tennessee doesn’t specifically regulate home warranty services and contracts, but residents can rely on the Tennessee Department of Commerce and Insurance (TDCI) to ensure that the home warranty provider they want to work with is in good standing. Before you invest in a plan, be sure to check with TDCI’s Consumer Affairs Division to check the status of providers you’re interested in. If you’re already covered by a home warranty plan and are unsatisfied you can also file a complaint with the Consumer Affairs Division.
Editor’s Note: While this article highlights certain regulations, it’s vital for readers to do their own research, as the mentioned regulations are not exhaustive.
Frequently Asked Questions
Do You Need a Home Warranty in Tennessee?
You need a home warranty in Tennessee if you want protection for your home beyond your insurance plan and savings account. If you’re handy with home repairs, though, or own a new home with appliances that have manufacturer’s warranties, you may not need a home warranty or could opt for a systems-only plan.
How Much Does a Home Warranty Cost in Tennessee?
The average cost for a home warranty in Tennessee is between $40 and $70 a month, or an average of $650 annually. I developed this average by using quotes I received while secret shopping for home warranty coverage for a two-bedroom, two-bathroom single-family home in Springfield, Tennessee.
How To Save Money When Shopping for Home Warranties In Tennessee?
Some home warranty providers offer discounts simply for calling to speak with a representative, so be sure to the companies you’re interested in getting quotes from even if they provide quotes online. You can also save money by researching multiple companies to find the cheapest coverage for your home needs.
Is a Home Warranty Worth It for Tennessee Homeowners?
A home warranty is worth it for Tennessee homeowners wanting protection against sudden and potentially costly breakdowns of their home appliances and systems. I recommend going with providers’ most comprehensive plans, but if you’re comfortable paying for home repairs or your appliances have active manufacturer’s warranties, you might want to consider appliance-only or systems-only plans or opting out of a home warranty plan altogether. A home warranty provider can be incredibly helpful as a one-stop solution to home repair, giving you more time to do what matters most to you, like seeing the Vols play or hiking in the beautiful Smoky Mountains.
