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Best Home Warranty Companies In tennessee 2025

Tennessee’s vibrant seasons bring both beauty and challenges to your home. From scorching summers to the occasional winter freeze, your appliances and systems work overtime.  Unexpected breakdowns can disrupt your comfort and budget. This guide explores the Best home warranty companies in Tennessee, helping you discover the perfect warranty for peace of mind and budget protection.

1 Industry Leading Coverage

Elite Home Warranty

4.9 fourhalf_star
Outstanding
$200 OFF and 1 Month Free. 30-Day Free Trial.
2 Affordable Coverage

Select Home Warranty

4.7 fourhalf_star
Outstanding
$150 off + Free roof coverage + 2 months free
3 Fast Claim Processing

Regency Total Home Warranty

4.6 fourhalf_star
Excellent
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection

Our Picks: 7 Best Home Warranty Companies For tennessee Residents

After extensive evaluation, we've identified five top home warranty companies in Tennessee. With their reliable coverage, these companies offer homeowners peace of mind and ensure seamless operation year-round.

1 Industry Leading Coverage

Elite Home Warranty
  • Reliable coverage for HVAC systems in humid environments.
  • Add-ons available for home automation and security systems.
  • Transparent pricing with no hidden fees.
$200 OFF and 1 Month Free. 30-Day Free Trial.
4.9
Outstanding
fourhalf_star
(888) 580-5416
2 Affordable Coverage

Select Home Warranty
  • Provides discounts on multi-year plans
  • Has extensive contractor network
$150 off + Free roof coverage + 2 months free
4.7
Outstanding
fourhalf_star
(888) 539-7220
3 Fast Claim Processing

Regency Total Home Warranty
  • Covers essential home systems and appliances for peace of mind.
  • Available in all 50 states for consistent service.
  • Round-the-clock assistance for claims and repairs.
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
4.6
Excellent
fourhalf_star
(844) 240-8369
4

Liberty Home Guard
  • 24/7 Customer Support with Same-Day Response Time
  • Most Add-Ons in the Industry for Flexible Coverage
  • Easy Claim Processing with Intuitive Mobile App
$200 Off + 2 Months Free + Free Roof Leak Protection
4.7
Outstanding
fourhalf_star
855-681-9724
5

Mike Holmes Protection
  • Mike Holmes Protection offers virtual assistance to homeowners
  • Mike Holmes Protection offers round-the-clock services to homeowners
  • The company offers unlimited coverage for systems
$100 Off + 1 Month Free
4.4
Excellent
fourhalf_star
866-408-9898
6

America’s First Choice
  • Comprehensive coverage for appliances prone to wear in humid climates.
  • Affordable monthly premiums with flexible payment options.
  • Provides the option to select your own licensed technician.
$250 Off + Free Roof Leak Coverage
4.6
Excellent
fourhalf_star
866-203-8901
View Rates
7

ARW Home – American Residential Warranty
  • Affordable plans with flexible pricing options.
  • Wide variety of add-on coverages for customized protection.
  • Excellent customer support and transparent terms.
2 Months FREE* on All Plans
4.3
Excellent
fourhalf_star
(855) 577-1106

Is Home Warranty Plans Beneficial For Tennessee Homeowners?

Amidst the challenges of ensuring the protection and maintenance of your home's essential systems and appliances, reliable solutions are paramount. Therefore, let's delve into how these plans provide invaluable benefits for homeowners across the state. 

  • Tennessee experiences diverse weather conditions, from hot summers to cold winters. Home warranty plans cover essential systems like HVAC, protecting homeowners from unexpected breakdowns due to weather-related stress.
  • Home warranty plans typically cover many systems and appliances commonly found in Tennessee homes, ensuring comprehensive protection from air conditioning units to kitchen appliances.
  • Home warranty plans help homeowners budget for unexpected repairs and replacements by providing coverage for covered items and minimizing out-of-pocket expenses.
  • Tennessee has many historic properties and older homes, which may have aging systems and appliances. Home warranty plans offer peace of mind by covering repairs and replacements for these older components.
  • Home warranty companies often have networks of qualified contractors who can provide prompt service and repairs when covered items malfunction, helping homeowners avoid delays in getting essential systems back up and running.
  • Having a home warranty plan in place can enhance the resale value of a property in Tennessee, as it provides potential buyers with added confidence in the condition of the home's systems and appliances.
  •  With a home warranty plan, homeowners have a single point of contact for all covered repairs and replacements, streamlining the process and reducing the hassle of finding reliable contractors independently.
  • Home warranty plans often offer customizable coverage options, allowing Tennessee homeowners to tailor their plans to meet their needs and budget constraints, ensuring they get the most value from their investment.

How Much Does A Tennessee Home Warranty Cost?

Here's a breakdown of the average costs associated with a home warranty in Tennessee:

Average Annual Cost

$660

Average Monthly Cost

$55

Average Service Fee (Deductible)

$75 - $125

It's important to remember that these are just averages, and the actual cost of your home warranty will vary depending on several factors, including:

  • The specific company you choose: Different companies offer various plans and coverage levels, all at different price points.
  • The level of coverage you select: More comprehensive plans with a wider range of covered items will typically cost more than basic plans.
  • Add-on coverage: Some companies allow you to add coverage for specific appliances or systems, increasing the overall cost.
  • Your home's location and age: Location and age can sometimes influence pricing due to factors like repair costs and claim frequency.

Home Warranty Coverage In Tennessee

While specific details may vary between providers, here’s a general overview of what a home warranty in Tennessee typically covers and excludes:

Common Coverages:

  • Heating System A warranty typically covers repairs or replacements for your furnace or boiler, ensuring you stay warm and cozy throughout winter.
  • Air Conditioning Tennessee summers can be brutal. Warranties often cover repairs or replacements for your central air conditioning system, keeping your home cool and comfortable during the hottest months.
  • Plumbing System Protects against leaks and breakdowns in your pipes (up to a designated point from the shut-off valve). This is crucial in older Tennessee homes, which have the potential for aging plumbing infrastructure.
  • Electrical System Provides coverage for your home’s electrical system, which can be important for powering appliances and keeping the lights on during the occasional Tennessee thunderstorm. This typically covers repairs from the main electrical panel to a designated point.
  • Appliances Protects essential appliances that keep your Tennessee home running smoothly, including refrigerators, dishwashers, ovens, stovetops, garbage disposals,  and often washing machines and dryers.

Common Exclusions

  • Sewer Line Issues While some plans may offer optional coverage for sewer lines, it’s not standard in Tennessee.
  • Cosmetic issues Warranties typically don’t cover purely aesthetic repairs, like paint peeling or outdated fixtures.
  • Pre-existing conditions If an appliance or system was already malfunctioning before you purchased the warranty, it likely won’t be covered.

Here Are Some Additional Points To Consider

  • Coverage caps Be mindful of any limits on the amount a company will pay for repairs or replacements.
  • Specific exclusions Carefully review the plan details to understand any unique exclusions specific to the provider or plan you’re considering.
  • Well Pump Protection Many rural Tennessee homes rely on wells for water. Consider a warranty plan that offers coverage for well pump repairs or replacements. This is especially important if your home is located in an area with a low water table.
  • Radon Mitigation Systems Radon gas is a concern in some areas of Tennessee.  A warranty that covers repairs to your radon mitigation system will add to the overall cost but can provide valuable peace of mind.
  • Limited Service Area Impact Tennessee’s vastness can mean technicians travel long distances for repairs. Inquire about service area limitations to avoid unexpected charges.

Who regulates Home Warranty Companies In Tennessee?

In Tennessee, home warranty companies are not directly regulated by a single entity. However, the Tennessee Department of Commerce and Insurance (TDCI) plays a vital role in protecting consumers by providing information and resources.

Here's what the TDCI offers:

Consumer education TDCI offers information on its website to help consumers understand home warranties and avoid scams.

Complaint process While not directly regulating the industry, TDCI can receive and address consumer complaints regarding home warranty companies. This can help identify potential issues and hold companies accountable.

Final Word

With this guide, you're equipped to explore Tennessee's top home warranty companies. Remember to prioritize your needs, compare plans carefully, and never hesitate to ask questions. By making an informed decision, you can safeguard your home and budget from unexpected repair costs.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Tennessee?+

Is Choice Home Warranty Available In Tennessee?+

How To Cancel American Home Shield Subscription?+

Are Home Warranties Worth It In Tennessee?+

Home Warranty Annual Awards Winner For 2025

HomeWarrantyReviews.com, a trusted name in the industry for decades, lets customer voices shine through its annual awards. Combining real-world experiences with expert analysis, these awards highlight the providers that homeowners truly trust. After reviewing over 25 home warranty companies, the Home Warranty Reviews team named Elite Home Warranty the best home warranty company nationwide. We trust Elite Home Warranty to protect your home due to its reliable services, most beneficial coverage benefits and consumer centric approach, and you should too.

Why Homeowners Trust Elite Home Warranty?

Elite Home Warranty isn’t just another provider, they are setting a new standard in the industry. Here’s why thousands of homeowners trust Elite Home Warranty every day:

  • Top Rated Customer Satisfaction: 4.9/5 stars across verified platforms including BBB, Home Warranty Companies, Consumera, Google and more.
  • Affordable Pricing: Competitive rates with no hidden fees, surprise charges, or misleading fine print.
  • Efficient Claims Process: 90% of claims are processed within 24 to 48 hours, with real time status updates.
  • Best in Class Coverage That Actually Works: Elite offers the best coverage benefits with some go the highest limits in the industry, with trusted protection when you need it most.
  • Award-Winning Support Team: Friendly, U.S.-based claims concierge available 7 days a week to help you every step of the way.
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