Homeowners insurance protects your home in the event of a catastrophic event. Manufacturers’ warranties protect individual products from defects. But what about plain old wear and tear damage to your home’s appliances and systems? For that, you need a home warranty. These contracts cover repair or replacement of worn-out home appliances and systems, no matter how old they are.

There are many home warranty companies that serve the Memphis area. They may look similar, but there are subtle differences in coverage, service, and trustworthiness. We’ve taken a critical look at these providers and are prepared to offer our recommendations for the four best home warranty companies in Memphis, TN.

Top 4 Home Warranty Companies in Memphis

The highest-rated home warranty companies in Memphis include:

• American Home Shield: Best Overall
• Choice Home Warranty: Best Basic Plan
• Liberty Home Guard: Most Responsive
• First American Home Warranty: Best Appliance Coverge

American Home Shield

For the best overall experience, American Home Shield gets our top mark. This company has the longevity and reputation that you want from a company that protects your home and your budget.

American Home Shield Plans

American Home Shield offers three plans plus a variety of add-on options. One plan covers only home systems, one covers home appliances and systems, and one covers both with additional perks including coverage boosts.

If you purchase any of these plans, you can add optional coverage for the following.

• Pools/spas
• Well pumps
• Septic pumps
• Guest units (up to 750 sq. ft.)

American Home Shield Prices

Home warranties charge both a monthly (or yearly) premium for the length of the contract and a service call fee every time you require a technician or contractor to diagnose or fix a covered item. American Home Shield offers adjustable payment options for both costs. You can choose between a service fee of $75, $100, or $125; the higher your fee, the lower your monthly premium will be. Here are the premiums for a service call fee of $75.

Choice Home Warranty

Depending on your budget and coverage needs, American Home Shield might not be the ideal provider for you. That’s why we also recommend Choice Home Warranty, which excels in the area of customer service.

Choice Home Warranty Plans

Rather than divide plans up by systems and appliances, Choice Home Warranty offers a Basic Plan that covers both. The Total Plan adds coverage for some of the more expensive-to-repair home items.

With either plan, you can also purchase coverage for these items.

• Pool/spa
• Well/sump pump
• Central vacuum
• Limited roof leaks
• Septic system
• Second refrigerator
• Standalone freezer
• Septic tank pumping

Choice Home Warranty Prices

The industry standard service call fee is $75. Choice Home Warranty’s service fee is a little higher at $85, but its premiums clock in on the lower end of the scale. If you don’t anticipate using your home warranty very often, this might be the provider for you.

Liberty Home Guard

A newcomer to the industry, Liberty Home Guard nevertheless ranks as one of the best home warranty companies in Memphis. We find it to be a particularly trustworthy company given its A+ rating with the Better Business Bureau.

Liberty Home Guard Plans

Here are the three plan options offered by Liberty Home Guard.

Additionally, Liberty Home Guard will cover a variety of additional items and services. No other company on this list offers coverage for cleaning, pest control, or re-key services.

• Pool and spa
• Additional spa
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Septic system pumping
• Limited roof leak
• Pest control
• Central vacuum
• Standalone freezer
• Re-key
• Second refrigerator
• Well pump

Liberty Home Guard Prices

Liberty Home Guard’s service fee is particularly low at $60, meaning that it may be the best option for those who anticipate needing a lot of contractor visits. Considering this low service call fee, the company’s premiums are also very reasonable.

First American Home Warranty

Finally, First American Home Warranty offers plans that represent an excellent value for the money you’ll spend. The company’s Basic Plan is the least expensive option on our list.

First American Home Warranty Plans

This coverage list is unique to First American Home Warranty customers in the Mid-South, including Tennessee.

The First Class Upgrade, an option only offered by First American, extends coverage to damage from improperly installed or repaired appliances or systems. It will also cover limited upgrade and permit fees. Additionally, you can purchase separate coverage for the following.

• Additional refrigeration (up to 4 units)
• Eco Upgrade
• Pool and/or spa equipment
• Pre-season HVAC tune-up
• Septic tank pumping/system (includes grinder pump)
• Well pump

First American Home Warranty Prices

Along with an industry-standard $75 service call fee, First American Home Warranty offers reasonable premium prices for both of its plans.

Our Conclusion

American Home Shield receives our overall recommendation for the wide range of protection it offers and its generous coverage caps, but every company on this list stands out in a different way. Choice Home Warranty, with its 90-day workmanship guarantee, is our choice for Best Service. Liberty Home Guard’s many satisfied customers earn it Most Trusted Status. Finally, First American Home Warranty’s low prices and First Class Upgrade earn it the title of Best Value.

Frequently Asked Questions

How much does a home warranty cost in Memphis?

Much like elsewhere in the U.S., a home warranty in Memphis will cost between $30 and $60 a month or $360 and $720 a year. You’ll also pay a service call fee—between $60 and $125—every time a technician visits your home.

What does a home warranty cover in Memphis?

A home warranty will typically cover:

• Wear and tear damage
• Repairs and parts
• Replacement of unrepairable items

A home warranty will typically not cover:

• Accidental or catastrophic damage
• Manufacturer’s defects
• Damage from improper maintenance or installation
• Upgrades to existing systems or appliances

What are the benefits of a home warranty in Memphis?

Here are just a few reasons homeowners choose to purchase a home warranty.

• Extra peace of mind when buying or selling a home
• Budget protection from large, unexpected repair bills
• Network of pre-selected, trustworthy contractors

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