Written By Todays Homeowner Local Pros
Last Updated May 2023
If you're looking into purchasing a home warranty, our guide on the best providers in Chattanooga can help. Many living in Chattanooga have made their dream of owning a home into a reality. However, as great as Chattanooga can be, there are always added responsibilities that come with owning a home, like keeping your home's systems and appliances maintained.
When one of your systems or appliances stops working, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less stressed by homeownership. Even though a home warranty can help with your homeowner concerns, one pain point is narrowing down the best choice for your Chattanooga home. That's why we've done the research and have compiled a guide of the best home warranty options in Chattanooga.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Chattanooga residents. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. Choice has 2 simple plans, making the selection process easy. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information on this provider, read our review of Choice Home Warranty.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty for Chattanooga residents. Select has over 11 years of industry experience and in that time has built a impressive network of service technicians in the country. Select has 3 plans for you to choose from. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Chattanooga homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty in Chattanooga. AHS has more than 26 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. AHS has 3 simple plans, making the selection process easy. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our American Home Shield full review. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service in Chattanooga. HSC has been operating for more than 15 years, making it a respected company in the industry. HSC has 2 simple plans, making the selection process quick and easy. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered system or appliance.
For more information, read our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Chattanooga. Liberty has been on the market for around 6 years, making it a well-respected company in the industry. The 3 plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the home warranty for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our review of Liberty Home Guard.
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for Chattanooga residents. First American has more than 39 years of industry experience and in that time has built a an network of service technicians nationwide. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process easy.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $85.
For more information, read our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Chattanooga, Cinch Home Services offers the home warranty with the best workmanship guarantee. When you purchase a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process quick and easy.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our review of Cinch Home Services.
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
|Home Appliance||Repair Cost|
A home warranty is a protection plan for home systems and appliances. When your refrigerator breaks down, and the repair costs several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty companies typically don't require an inspection, and coverage generally goes into place about 30 days after making your first payment.
Filing a claim with your home warranty company is quite simple. You can use an online portal system or a direct phone number to request service for a repair or replacement.
After that, you will pay the service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage limit, which is the maximum cost per year that the home warranty will cover for repairs and replacements.
A home warranty plan provides coverage on your home's major appliances and systems and it can help reduce the cost of maintaining your home. The appliances that are typically covered under a home warranty include a garbage disposal, clothes washer, microwave, dishwasher, refrigerator, clothes dryer, and more. The systems included are ductwork, plumbing, air conditioning, and electrical systems.
Many plans also have add-on coverage options for locksmiths, septic systems, roof leaks, and even central vacuums.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Also, a home warranty does not cover misuse, cosmetic damages, pre-existing conditions, and lack of maintenance.
Chattanooga's hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the repairs, saving you from spending unexpected money out of pocket.
Additionally, having a home warranty can save you some time by eliminating the need to research repair people — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement.
Home warranties also have some cons. Although it can save you time when the home warranty sends out a contractor who does the repair for you, some people may not like this, and they may want to choose their own contractor. If that's the case for you, some home warranty companies let you choose a contractor.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won't cover systems or appliances that have stopped working due to natural disasters, animal infestations, improper maintenance, etc.
The first step in protecting your property with a home warranty is determining which provider's plan is right for you. Figure out which items in your home you'd like coverage for and compare the policies. When figuring out which home warranty provider is the best one for you, here are some important factors to take into account:
The best home warranty provider in Chattanooga is Choice Home Warranty. Choice Home Warranty has a large network of experienced contractors and a tremendous reputation in the Chattanooga area.
Home warranty plans cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects the entire home from natural disasters, which can be a concern in Chattanooga. It doesn't cover a typical appliance or system damage.
The different types of home warranties in Chattanooga are plans that cover either appliances or systems and a combination plan. A combination plan will cover almost all your home systems and appliances, including your refrigerator, washing machine, and plumbing. An appliance or systems only plan will cover the appliances or systems mentioned in the contract.
A home warranty plan can protect you from expensive repair bills, but only if you decide to purchase a good plan from a reputable company. When deciding which home warranty company to purchase a plan from, you should evaluate things like its customer service and availability in your area. In addition, you should take into account the type of coverage the company offers and what appliances and systems are covered. Homes that have appliances and systems on the older end may need a policy with more coverage.
Usually the homeowner pays for the home warranty. In some cases, however, the home seller may purchase a home warranty plan and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Considering that the average home value in Chattanooga is $194,306, a home warranty can help you avoid more costs when buying a home.
A service fee is an expense that a homeowner pays before a service technician or contractor comes to your home to repair your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty in place except for the policy's premium unless the expense is higher than the coverage cap.
When living in a city like Chattanooga, you may be wondering if issues like natural disasters will be covered under a home warranty policy. Home warranties generally don't cover damage due to lack of proper maintenance, natural disasters, or intentional breakage.