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Best Home Warranty Companies In tennessee 2024

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.

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Our Picks: 5 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.

Highly Rated By Customers
4.9 | fourhalf_star Excellent
50% Off + First Month Free

Monthly Cost

$45 - $59

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Includes a workmanship guarantee of ninety days for finished repairs
  • 30-day free trial
  • Provides a money-back guarantee

Cons

  • Charges $150 service fees for weekend visits

Plans, Cost & Coverage

The company offers an annual cap of $15,000. This equals a greater claim limit than many providers—$8,000 for systems and $7,000 for appliances. Claim limitations, however, differ for each insured item. For instance, air conditioners may be eligible for up to $4,000, but the maximum amount for electrical equipment is $2,000.

Plans

Elite Appliance

Elite Systems

Elite Complete

Service Call $70

$44.49

$49.99

$58.99

Elite Appliance

  • Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
  • Coverage caps vary per appliance with a $7,000 term limit
  • Offers specialized protection solely for household appliances

Elite Systems

  • Covers seven home systems, including air conditioning, heating, and electrical systems
  • Has an annual limit of $8,000 with varying coverage caps for each system
  • Provides dedicated coverage exclusively for essential home systems

Elite Complete

  • Combines the features of Elite Appliances and Elite Systems plans
  • Offers comprehensive protection for both appliances and home systems
  • Provides a holistic solution for homeowners seeking complete coverage for their household essentials

Why We Picked It?

Elite Home Warranty can be a good choice for Tennessee homeowners with robust coverage limits of up to $8,000 for systems and $7,000 for appliances, along with individual appliance limits of $3,000. Their extensive list of 26 add-ons allows for customizable coverage options. However, there’s an additional $70 fee for repairs, and the purchasing process involves multiple steps, including speaking with a representative.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Flexible plan options to suit varying needs and budgets
  • Appliances covered up to $4,000
  • Coverage for unknown pre-existing conditions

Cons

  • Higher deductibles

Plans, Cost & Coverage

The ShieldSilver, ShieldGold, and ShieldPlatinum are the three plans that AHS offers. ShieldSilver covers systems, but the entire house is covered by ShieldGold and ShieldPlatinum plans. Rich in features, the ShieldPlatinum plan has a $5,000 coverage cap for each covered system or appliance. AHS provides Tennessee homeowners with a choice between two service call fees.

Plans

ShiedSilver

ShieldGold

ShieldPlatinum

Service Call $125

$29.99

$49.99

$79.99

Service Call $100

$39.99

$59.99

$89.99

ShieldSilver

  • Provides coverage for 14 household systems like heating, cooling, and electrical
  • Offers member benefits such as partner discounts and HVAC tune-ups
  • Provides a coverage cap of $5,000 for heating and AC systems

ShieldGold

  • Extends coverage to 23 major systems and appliances including air conditioning, plumbing, and more
  • Includes partner discounts, HVAC tune-ups, and a $5,000 coverage cap for heating and AC systems
  • Offers a coverage cap of $2,000 for each appliance replacement and repair

ShieldPlatinum

  • Includes coverage for all items from ShieldSilver and ShieldGold plans
  • offers extra perks such as $1,500 allocated for roof-leak repairs
  • Offers coverage for code violations, permits, modifications, roof leak repairs, and unlimited AC refrigerant

Why We Picked It?

Tennessee homeowners can achieve year-round peace of mind with American Home Shield. Their customizable warranty plans address Tennessee’s needs, offering comprehensive coverage for essential appliances and HVAC systems. Flexible plan options and targeted add-ons, like well pump coverage for rural areas, ensure a perfect fit.

Best For Workmanship Guarantee
3 | three_star Good

Monthly Cost

$38 - $66

Service Fee

$100, $125, $150

Response Time

Same day

Pros & Cons

Pros

  • Offers 180-day workmanship guarantee
  • Has a digital dashboard for customers
  • Provides free water sensor to detect leaks

Cons

  • Limited optional add-ons

Plans, Cost & Coverage

For $38.99 a month, Cinch Home Services provides three different types of home protection plans: Systems-only, Appliance-only, and a combo of the two i.e Complete Home plan. 

Every plan includes rust and corrosion, a 180-day craftsmanship guarantee, and coverage for undiscovered prior issues. Pools and septic tanks are additional items for which you can purchase coverage for $4.58 to $22.00 monthly.

Plans

Appliance

Built-in Systems

Complete Home

Service Call $150

$38.99/mo

$43.99/mo

$54.99/mo

Service Call $125

$47.32/mo

$52.32/mo.

$63.32/mo.

Service Call $100 

$48.99/mo

55.99/mo

$66.99/mo

Appliance

  • Covers 12 kitchen and laundry appliances
  • Replacement appliances may not match the brand, style, or color
  • Covered appliances include washers, dryers, dishwashers, cooktops, ovens, and food centers

Built-in Systems

  • Covers 16 essential home systems with capped maximum payout
  • Covered systems include HVAC, attic fans, central vacuums, doorbells, electrical systems, and more

Complete Home

  • Includes all features of the previous plans
  • Offers reimbursement of up to $500 for a homeowner’s insurance deductible on covered claims (once per year)
  • Additional coverage options are available for items like swimming pools or septic systems, along with a Premier Upgrade Package for enhanced coverage

Why We Picked It?

Cinch Home Services offers Tennessee homeowners affordable and flexible home service plans, beginning at only $38 per month. Setting itself apart, Cinch provides a generous coverage limit of $10,000, along with some of the most comprehensive plans available.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Offers a 60-day warranty extension on workmanship
  • Provides extensive add-on coverage
  • Offers two extra months of coverage with an annual plan subscription

Cons

  • Service call fees for technician visits

Plans, Cost & Coverage

Appliance Guard, System Guard, and Total Home Guard are the three plans offered by LHG. The Appliance Guard protects nine essential appliances, the System Guard protects six systems, and the Total Home Guard protects all 15 appliances and systems. Take a look at the cost and plan details below:

Plans

Appliance Guard

Systems Guard

Total Home Guard

Monthly

$49.99

$54.99

$59.99

Yearly

$499.99/yr

$549.99/yr

$599.99/yr

Appliance Guard

  • Provides coverage for a range of home appliances, including ceiling fans, garage door openers, and kitchen and laundry appliances
  • Targeted protection for appliances prone to wear and tear
  • Covers major mechanical parts and components of appliances

Systems Guard

  • Covers components of your home’s plumbing, electrical, and HVAC systems
  • Offers plans with daily fees of under $1
  • Includes coverage for AC and heating units with a capacity of up to 5 tons

Total Home Guard

  • Encompasses features from both Appliance Guard and Systems Guard
  • Offers plans with daily fees of under $1.5
  • Provides comprehensive coverage for all home systems and appliances

Why We Picked It?

Liberty’s plans offer extensive protection for crucial systems and appliances, including HVAC, plumbing, and electrical systems, which are prone to wear and tear in Tennessee’s diverse climate. 

With customizable plans and a range of add-ons such as roof leak coverage and pool/spa maintenance, it ensures homeowners have the flexibility to tailor their coverage according to their specific requirements. However, the coverage cap of $2000 for all covered items, is quite low in the industry average.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$48 - $57

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Offers free roof leak coverage
  • 90-day workmanship guarantee
  • 24/7 customer service

Cons

  • Does not provide the option for plan customization

Plans, Cost & Coverage

Choice Home Warranty offers Basic and Total plans for your home’s essential systems and appliances. The basic plan covers 14 items, including plumbing, water heaters, and dishwashers. Total Plan adds four more: washer, dryer, refrigerator, and air conditioner.

Plans

Basic Plan

Total Plan

Monthly 

$48.13

$56.27

Yearly

$546.76

$644.40

Basic Plan

  • Offers coverage for essential household items and systems such as heating systems and dishwashers
  • Provides a budget-friendly option for homeowners seeking basic protection for crucial items
  • Ensures coverage for essential appliances and systems without extensive additional features

Total Plan

  • Offers a comprehensive coverage plan encompassing a wide range of items and systems
  • Provides enhanced protection beyond the Basic plan
  • Offers substantial coverage, potentially saving money in the long term by protecting more items and systems

Why We Picked It?

Tennessee homeowners facing seasonal appliances and system breakdowns can find comfort in Choice Home Warranty. They offer plans covering Tennessee’s unique climate, including HVAC systems and electrical components. 

Choose between a basic or total plan, with optional add-ons for specific needs. Plus, 24/7 claims service and an extensive contractor network ensure quick repairs by technicians familiar with local regulations.

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4.9/5

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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. 

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:

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.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

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Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Tennessee?

A.

Tennessee’s warm climate contributes to common air conditioning issues, including compressor malfunctions or refrigerant leaks. Water heaters may need attention due to hard water-related problems or heating element malfunctions. Additionally, dishwashers commonly require maintenance for issues such as clogged drains or malfunctioning pumps.

Is Choice Home Warranty Available In Tennessee?

A.

Yes, Choice Home Warranty offers its services in the state of Tennessee.

How To Cancel American Home Shield Subscription?

A.

To cancel your AHS contract, call 833.706.2865, and a customer representative will assist you with the following processes.

Are Home Warranties Worth It In Tennessee?

A.

Yes, home warranties are worth it in Tennessee. With the state experiencing hot and humid summers, home warranties provide valuable financial protection against the common issues in most home appliances.

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Best Home Warranty Companies

Cyber Savings
Elite Home Warranty

PROMOTION

50% Off + First Month Free

fourhalf_star 4.9
Excellent
American Home Shield

PROMOTION

$50 OFF on Multiple Properties

fourhalf_star 4.5
Excellent