Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty company that's right for you. Being a homeowner in Memphis is an excellent option for those who enjoy bustling cities. However, as great as Memphis is, homeownership always comes with its fair share of headaches, such as trying to pay for your home repairs yourself.
A home warranty in Memphis can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear. Finding the best home warranty on the market can be quite overwhelming because there are dozens of companies to choose from. That's why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Memphis for you.
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 for Memphis residents. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for you to choose from.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty Review.
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 Memphis residents. With a home warranty from Select, you can enjoy 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 policies that Select offers include options for appliance and system coverage.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000.
To receive 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 for Memphis residents. The 3 plans that AHS offers include options for appliance and system coverage. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Memphis homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield Review.
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 for Memphis residents. HSC has been in business for more than 15 years, making it a respected company in the industry. The 2 plans that HSC offers include differing levels of system and appliance coverage, as well as add-on options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered system or appliance.
For a more detailed breakdown, read our comprehensive review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 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 is the most trustworthy home warranty for Memphis residents. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our Liberty Home Guard full review to learn more.
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 Memphis residents. First American is a home warranty company with 39 years of experience in the industry, and it has become one of the best providers in the business. If you're looking for very affordable and comprehensive appliance coverage, this is the home warranty for you. Plus, 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 easy to comprehend and offer both system and appliance coverage.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. The coverage caps from First American are about $1,500. The service fees are a reasonable $85, which is lower than other providers in the Memphis area.
Read more by visiting our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Memphis residents. Cinch has been in business for about 44 years, making it a highly regarded company in the industry. The 3 home warranty plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options. 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 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 customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our thorough review of Cinch Home Services to learn more.
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 that makes it more affordable when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to stick to their budget and don't have the savings to pay for large repair or replacement expenses. Typically, about 30 days after buying a home warranty plan, the coverage will start on your home systems and appliances.
When you have an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a contractor coming over to look at the issue.
At this point, you'll pay the service fee, which is usually between $60 and $150, depending on what plan you have. Once the service fee is paid, a service technician will come to your home, assess the issue, and make the repair. If the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
A home warranty plan will cover systems and appliances from normal wear and tear. Common appliances covered by a home warranty include a dishwasher, refrigerator, washer, dryer, garbage disposal, microwave, and more. The systems that are usually covered will be air conditioning, heating, plumbing, and electrical systems.
Many plans also provide add-on coverage options for roof leaks, locksmiths, central vacuums, and even septic systems.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and maintain them properly, the home warranty will not cover it. Also, a home warranty does not cover cosmetic damages, misuse, lack of maintenance, and pre-existing conditions.
Temperatures in Memphis can get quite high in the summer, which means your air conditioner is most likely going to get a lot of use. As a homeowner in Memphis, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they have to be repaired or replaced.
In addition, having a home warranty can save you some time by removing the need to research repair people — most companies will send a trusted professional right to your door to complete the necessary repair or replacement.
One main drawback of home warranties is not every home system and appliance you care about may be covered. It's important to weigh the different policies and choose one that covers all the appliances, systems, and add-ons you need.
Plus, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Selecting the best home warranty in Memphis for you and your family comes down to the kind of coverage you need, the home warranty provider you opt for, and your location, among other factors. Below is a list of factors that you'll want to keep in mind when choosing a home warranty provider:
The best home warranty company in Memphis is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced service technicians and a great reputation in the Memphis area.
A home warranty is a contract that covers repairing and replacing your major home system components and appliances.
First-time homebuyers, real estate agents, home sellers, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty will cover either the home's appliances and systems, or both. Combination plans are beneficial if you'd like more coverage for your home, but a systems or appliance plan can be useful too if you're concerned about one more than the other.
Homeownership can be costly, especially in a place in Memphis where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty plan, you won't have any large hits to your bank account.
A home warranty policy can cost on average around $300 to $800 a year in Memphis. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. It's important to compare plans to determine what the best price is.
Most home warranty providers have a 30-day waiting period before you can file claims, but some may offer coverage sooner so make sure you check with the company about this.