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Last Updated: February 25, 2025
As much as you may love homeownership in La Vergne, there's always that worry about whether your appliances and systems are going to hold up during the next few years. A home warranty can bring you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major appliances and systems.
The home warranty market has many providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in La Vergne.
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
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in La Vergne. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage.
Liberty Home Guard offers 3 plans for La Vergne homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000.
Read more by visiting our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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 offers the best overall home warranty in La Vergne. 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. The 2 plans from Choice are comprehensive and offer both system and appliance coverage.
Choice Home Warranty offers 2 plans for La Vergne homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000.
Read more by visiting our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
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 in La Vergne. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and offer both system and appliance coverage.
Select Home Warranty offers 3 plans for La Vergne homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000.
Read more by visiting our Select Home Warranty Review. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 offers the most customizable home warranty in La Vergne. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.
American Home Shield offers 3 plans for La Vergne homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally about $2,500.
Read more by visiting our American Home Shield Review. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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 in La Vergne. With a home warranty from First American, you can benefit from 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. The 2 plans from First American are comprehensive and offer both system and appliance coverage.
First American Home Warranty offers 2 plans for La Vergne homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally about $1,500.
Read more by visiting our First American Home Warranty Review. To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
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
Cinch Home Services offers the home warranty with the best workmanship guarantee in La Vergne. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage.
Cinch Home Services offers 3 plans for La Vergne homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally about $1,000-$2,000.
Read more by visiting our Cinch Home Services Review. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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 La Vergne. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are comprehensive and offer both system and appliance coverage.
The Home Service Club offers 2 plans for La Vergne homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally about $2,000.
Read more by visiting our The Home Service Club Review. 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
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 |
|---|---|
| Air Conditioner | $6,218 |
| Heating | $4,145 |
| Electrical | $622 |
| Toilets | $518 |
| Washer/Dryer | $829 |
| Plumbing | $622 |
| Oven | $1,658 |
| Fridge | $622 |
A home warranty is a protection policy that helps La Vergne homeowners lower the high costs of household repairs. These plans offer financial protection to repair or replace appliances and systems that break down from normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and modern appliances may not need a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances are washers, refrigerators, dryers, dishwashers, garbage disposals, microwaves, and others. Protected systems include air conditioning, heating, plumbing, and electrical. Various home warranty plans offer extra coverage for central vacuums, septic systems, roof leaks, and even locksmiths. La Vergne homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. Remember to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to know before signing a contract, such as:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for electrical, plumbing, AC, heating, and appliances. More robust coverage options also offer coverage on other items such as pools, roof leaks, spas, and well pumps. Focus on providers with broad coverage options including upgraded plans. This flexibility enables you to customize protection for your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per service call made. The per-request costs can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some firms also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's track record provides insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Positive ratings and reviews indicate a company known for stellar service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Contact potential businesses to learn the number of repair professionals they have in La Vergne and get an idea of how fast your repairs could be handled in an emergency. More extensive networks increase the chance of getting qualified contractors to promptly service your home.
Some home warranty companies include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can provide extra value beyond repair coverage. Extra bonuses let you enhance your home and get the most from your warranty policy.
Temperatures in La Vergne can get quite high in the summer, which means your air conditioner is likely to get a good bit of use. As a homeowner in La Vergne, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Additionally, having a home warranty can save you time by eliminating the need to research technicians — most companies will send a trusted professional right to your door to carry out the necessary repair or replacement. Another added benefit of having a home warranty policy is that it can raise your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
There are also some drawbacks to purchasing a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another potential pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in La Vergne can cost between $30 and $60 a month. Higher-priced plans typically have a lower service fee, higher coverage limits, and broader coverage. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in case of a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new dryer or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in La Vergne.
A home warranty policy can help home sellers, homeowners, investors, homebuyers, and real estate agents. It can offer peace of mind and savings to anyone involved in homeownership.
The different home warranties in La Vergne include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers almost all your systems and appliances, including your washing machine, drier, and HVAC. An appliance or system plan will cover only the items mentioned in the plan.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Usually, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In La Vergne, where the median home value is $333,388, having the seller pay for the home warranty can save you some money on your new home.
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