Best Home Warranty Companies in Tennessee (2024)

• Provider Review: Liberty Home Guard review
• Provider Sample Contract: Liberty Home Guard sample contract
• State Availability: 50
• Monthly Cost: $49–$60

Liberty Home Guard (LHG) is newer to the home warranty industry with just two years of experience. However, its plans can be tailored to fit each homeowner’s needs with more than 30 add-on options. LHG also offers solid coverage caps per covered item and it extends a 60-day workmanship guarantee for all completed repairs.

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

LHG has three plans—Appliance Guard, System Guard, and Total Home Guard. The Appliance Guard protects nine major appliances, the System Guard protects six systems, and the Total Home Guard protects all 15 appliances and systems.

Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.

Here are details on LHG’s plans and optional add-on coverage:

• Appliance Guard: Covers appliances, such as dishwashers, clothes washers, and dryers
• Systems Guard: Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
• Total Home Guard: Covers all the items in the Appliance Guard and Systems Guard plans
• Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

See LHG’s pricing by plan in the table below:

• Provider Review: American Home Shield Review
• Provider Sample Contract: American Home Shield sample contract directory
• State Availability: 48 (excluding Alaska and Hawaii)
• Monthly Cost: $29–$90

American Home Shield (AHS) is known for offering coverage for unknown pre-existing conditions and allowing customers to choose their own service fee. Additionally, AHS offers comprehensive home system and appliance coverage within its three flexible coverage plans.

We rated AHS 4.4 out of 5 stars in our review standards. We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. The company covers several things other companies don’t, such as rust damage and improper installations.

We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.

AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.

AHS offers three plans—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldSilver covers systems, while the ShieldGold and ShieldPlatinum plans cover the entire home. The ShieldPlatinum plan is very comprehensive, with a generous $6,000 coverage cap per covered system or appliance.

To further customize your plan, you can add coverage for the following items: Guest unit under 750 square feet, electronics extended warranty, pool and spa, well pump, septic pump

AHS allows you to pull a quote by calling a representative or using its online tool. When we used AHS’s quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee.

While pulling our quote, we discovered that AHS only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.

Here are details on each of American Home Shield’s plans:

• ShieldSilver: Covers home systems, such as heating, cooling, and electrical
• ShieldGold: Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
• ShieldPlatinum: Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
• Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

See the table below for details on American Home Sheild’s plan pricing, service fees, and coverage caps:

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

Monthly cost: $44–$58

We rated Elite Home Warranty 4.6 out of 5 stars in our review standards. We awarded high scores for its coverage and add-on variety. We deducted points for only offering one service call fee and limited online options. Here’s how Elite rated in key categories:

• Coverage (4.6 out of 5): Elite scored high for its three customizable coverage plans and extensive add-on catalog. 

• Value (4.25 out of 5): We deducted points because the company only offers one service call fee and charges a higher fee for high-end appliances.  

• Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on the Better Business Bureau (BBB) and other third-party sites. 
• Availability and service (4.5 out of 5): Elite lost points for its limited online services. Unlike other providers, it doesn’t offer an online quote tool.

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

• Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
• Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

• Annual maintenance
• Drainage, sewer, and water service lines
• Pool and spa equipment
• Geothermal heating and cooling systems
• Guest house
• Septic system

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

• He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
• He received a next-day appointment for his repair. 
• The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
• After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
• The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.

• Provider Review: Select Home Warranty review
• Provider Sample Contract: Select Home Warranty sample contract
• State Availability: 47 (excluding Nevada, Wisconsin, and Washington)
• Monthly Cost: $44–$48

Select Home Warranty is an excellent value for Tennessee homeowners. Select prices its plans for less than $50 per month, plus it includes roof-leak protection in each offering. Select also provides solid HVAC system coverage at an affordable price, for those on a budget.

Select Home Warranty scored 4.3 out of 5 stars in our review standards. It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Select Home Warranty offers three plan options. The Bronze Care plan covers essential appliances, such as your dishwasher, refrigerator, and laundry machines. The Gold Care plan covers systems, such as your air conditioner and plumbing. The Platinum Care Plan covers all the items in the Bronze Care and Gold Care, plus garage door openers and plumbing stoppages.

After reviewing Select’s sample contract, we found it provides a $3,000 cap for HVAC systems. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.

Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.

Here are more details about Select Home Warranty’s plans:

• Bronze Care: Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
• Gold Care: Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
• Platinum Care: Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
• Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.

Select’s plan pricing, service fees, and coverage caps can be found below:

• Provider Review: First American Home Warranty review
• State Availability: 35*
• Monthly Cost: $44–$84

*(excluding Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont, and Wisconsin)

First American Home Warranty offers comprehensive coverage for both appliances and systems. The company also offers a suite of add-ons plus a plan upgrade that covers miscellaneous fees home warranties typically don’t cover.

We rated First American Home Warranty 4.6 out of 5 stars in our review standards. If you own high-end appliances, First American is a solid choice due to its high appliance coverage caps. After reading its sample contract, we found First American pairs each appliance with a $3,500 limit in the Starter and Essential plans, which is higher than most other providers. Its Essential and Premium plans offer the First American Advantage upgrade, which protects systems and improperly maintained, modified, or installed appliances—a rarity in the home warranty business.

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. It offers customers the choice of a $75, $100, or $125 service call fee. We read through First American’s sample contract for more details on their plans. The provider sets the coverage limit for appliances at $3,500 per item in its Starter and Essential plans and increases coverage limits to $7,000 per covered appliance in its Premium Plan. Upon speaking with a representative, we discovered the company doesn’t outline hard limits for built-in systems coverage except for water heaters. First American covers all repairs for 30 days.

First American Home Warranty also offers an annual premium. Annual plan costs range from $540 to $1,040. Unlike other providers that offer annual premiums, First American doesn’t include extra months of coverage or a discount if you choose an annual premium. First American provides an online quote tool or a sales phone line to pull a free quote.

Here are more details about First American’s plan coverage:

• Starter Plan: Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms
• Essential Plan: Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage door openers, trash compactors, and water heaters
• Premium Plan: Covers all items in the Essential Plan plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units
• Optional add-ons: Additional refrigeration, air conditioning for Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps. First American offers limited roof-leak coverage for less than $9 per month.

Details on First American’s plan pricing can be found below:

First American’s online quote tool requires you to enter personal information, such as your name, phone number, email, and home address. You must also enter your home’s type and the estimated square footage. Once you do, it generates your monthly quote. Although there is extra information you must fill out, we found it simple to adjust our premium based on our chosen service call fee. It also conveniently displays each plan’s coverage options below the price figures.

First American’s sizable coverage limits make it a great choice for those who want total home protection. However, it excludes air conditioning coverage from its entry-level Starter plan. You must pay extra to obtain air conditioning coverage. Other providers include it within their basic plans. We would rank First American Home Warranty higher if it covered more states. The company covers the lowest number of states of all the companies in this article.

First American handles claims by sending in-network service contractors to fix your issues. It allows you to use your own if an in-network provider isn’t available near you. One of our team members purchased a plan to test the claims process. He filed a claim for his garage door opener on a Friday and reported First American sent a service technician the following Monday. The technician arrived at his home on Monday and fixed his issue in less than 30 minutes. All he paid was his service call fee.

Our team read dozens of customer reviews. Similar to other home warranty providers, First American holds mixed reviews. A positive theme was how simple it is to file claims. A negative theme involved delays in fulfilling service requests.