We chose American Home Shield as the best home warranty provider in Tennessee because of its comprehensive system and appliance coverage and inclusion of items with existing damage. We also like Choice Home Warranty because of its budget-friendly plan options, which cost less than $70 per month.
Tennessee’s hot, humid summers and unpredictable storms can strain home systems like your HVAC unit and roof. A home warranty helps protect against costly surprises by covering common issues such as system breakdowns and roof leaks. Discover our top picks for home warranties in Tennessee and learn how to choose the best protection for your home.
Key Takeaways
- American Home Shield is our top pick for Tennessee homeowners and was also the most popular choice among state residents in our 2025 home warranty survey.
- The average Tennessee home warranty costs between $51 and $80 per month, or $598 and $939 per year.
- Based on our survey, 37% of Tennessee homeowners prioritized air conditioner coverage, reflecting the need for reliable cooling during the state’s hot summers.
Top Home Warranty Companies in Tennessee
After reviewing 13 home warranty providers nationwide, we selected the following companies as the best options for Tennessee residents:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing Top Providers
The table below highlights our top picks, comparing key factors, including our scores, national average monthly costs, Better Business Bureau (BBB) ratings, and service call fees. These fees are paid whenever you request a repair or replacement, and can impact your final costs.
| Provider | Our Score (Out of 5) | Service Call Fee* | State Availability | BBB Rating** |
|---|---|---|---|---|
$100–$125 | 49 states (ex. AK) | B | ||
$100 | 48 states (ex WA & CA) | B | ||
$70 ($150 for after hours and weekends) | 47 states (ex. CA, TX, & WI) | B | ||
$100–$125 | 35 states | B | ||
$75–$125 | 48 states (ex. CA & HI) | B |
*Pricing may vary depending on your plan choices and your home’s location, size, and type.
**The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of April 2025.
Our Reviews of Top Providers in Tennessee
We’ll take a closer look at our top Tennessee home warranty providers below.
American Home Shield
Monthly Cost: $42–$92
Service Fee: $100–$125
Workmanship Guarantee: 30 days
Coverage Overview
- Includes a $5,000 limit for HVAC coverage
- Offers coverage for items with preexisting issues and damage, which is a rare benefit
- Provides free roof leak coverage under its highest plan, ShieldPlatinum
Keep in Mind
- Offers a limited selection of add-on coverage
- Only covers repairs for 30 days, shorter than other providers we’ve reviewed
Our Review
American Home Shield (AHS) is a standout choice for Tennessee homeowners, especially those with older systems and appliances. It’s one of the few companies that covers preexisting conditions, including physical damage such as rust and sediment buildup, which many other providers exclude. AHS offers $5,000 coverage caps for cooling and heating systems, ensuring generous protection for these critical home components. Appliance coverage starts at $2,000 with the ShieldSilver and ShieldGold plans and doubles to $4,000 with the ShieldPlatinum plan, including extras such as free roof leak coverage and an annual HVAC tune-up.
That said, AHS offers fewer add-ons than other providers, with only six options compared to eight or more from competitors. Additionally, its 30-day workmanship guarantee means customers must report any issues with a repair within 30 days to avoid additional costs, which can feel limiting. A longer workmanship guarantee offers more time to spot problems and ensures repairs are thoroughly resolved, providing homeowners with greater peace of mind.
Choice Home Warranty
Monthly Cost: $61–$69
Service Fee: $100
Workmanship Guarantee: 90 days on parts, 60 days on labor
Coverage Overview
- Backs its repairs with a 90-day guarantee on parts and 60 days on labor
- Includes a $3,000 limit for most systems and appliances
- Offers the most affordable comprehensive coverage in this review
Keep in Mind
- Doesn’t let you choose your own technician
- Excludes coverage for air conditioning, refrigerators, and water heaters from its lowest plan
Our Review
Choice Home Warranty could offer a good option if you’re a budget-conscious Tennessee homeowner. The company has comprehensive plans that cover both systems and appliances for less than $70 per month—cheaper than many other providers we’ve reviewed. Most items include up to $3,000 in coverage, a bit lower than AHS, but still enough protection for most repairs. The company also includes a 90-day parts guarantee and a 60-day labor guarantee, offering longer protection than AHS and First American Home Warranty. In addition, Choice includes 11 add-on options, including roof leak, central vacuum, and septic system coverage.
However, like many home warranty providers, Choice doesn’t let you choose your own technician, which can lead to delays—especially if a local technician isn’t available. Also, the company’s lowest-tier plan, the Basic Plan, excludes coverage for key systems such as air conditioning, refrigerators, and water heaters. If you need coverage for these items, you’ll need to upgrade to the higher-priced Total Plan. In addition, the Arizona Attorney General has filed a lawsuit against Choice Home Warranty, accusing the company of using deceptive contract fine print to avoid covering repair costs. We recommend taking the time to research any potential home warranty company before signing up.
Elite Home Warranty
Monthly Cost: $45–$60
Service Fee: $70
Workmanship Guarantee: 90 days
Coverage Overview
- Includes a 90-day workmanship guarantee on completed repairs
- Offers the most extensive add-on catalog in this review
- Provides a fully customizable plan option, setting it apart from other providers
Keep in Mind
- Charges a higher service call fee for certain repairs, including high-end appliances
- Excludes work done by out-of-network technicians from its workmanship guarantee
Our Review
Elite Home Warranty stands out for its flexibility in plan coverage options. It offers three pre-designed protection plans—appliance-only, system-only, and comprehensive protection—and it’s the only provider in this review that lets you create a completely customized plan. This allows you to only pay for the coverage you need, making it an ideal choice for Tennessee homeowners with specific protections in mind. With over 30 add-on options, including HVAC maintenance, roof leak coverage, and coverage limit upgrades, Elite offers impressive versatility. Plus, it includes a 90-day workmanship guarantee, longer than AHS and First American, and more comprehensive than Choice.
However, while you can choose your own technician, the 90-day warranty doesn’t apply if you go outside of the provider’s network for repairs. Additionally, Elite charges higher service call fees for certain repairs, such as after-hours or weekend visits, high-end appliances, and some add-ons such as pools or sump pumps. These additional fees can add up, which is important to factor into your decision.
First American Home Warranty
Monthly Cost: $66–$118
Service Fee: $100–$125
Workmanship Guarantee: 30 days
Coverage Overview
- Includes the First American Advantage upgrade for additional item damage coverage
- Offers robust appliance coverage, with up to $7,000 in protection
- Provides unlimited coverage caps for heating, cooling, and ductwork
Keep in Mind
- Offers a shorter 30-day workmanship guarantee, similar to AHS
- Excludes coverage for some key items, including air conditioning, from its lowest plans
Our Review
First American Home Warranty is worth considering if your Tennessee home has high-end appliances or expensive home systems. Coverage goes up to $3,500 under the Starter and Essential Plans, and $7,000 under the Premium Plan. Another standout feature is the lack of coverage caps for most major systems, offering generous protection. The Essential and Premium plans include the First American Advantage upgrade, which covers damage from improper installations—an uncommon benefit in the industry. The Premium Plan also covers luxury appliances and provides free roof-leak protection, along with several add-ons such as additional refrigerators and pool systems.
However, as with AHS, First American only offers a limited 30-day repair guarantee. For example, if you receive repairs for your HVAC systems and it fails again 31 days later, you would have to pay another service call fee. Also, the Starter Plan excludes coverage for air conditioning, laundry appliances, and water heaters, but you can add central air conditioning for an extra cost. You’ll need to upgrade to a higher-tier plan for clothes washer, dryer, and water heater coverage, resulting in increased monthly costs.
AFC Home Warranty
Monthly Cost: $44–$82
Service Fee: $75–$125
Workmanship Guarantee: Plan lifetime
Coverage Overview
- Includes no coverage limits for heating systems, cooling systems, and water heaters
- Lets you choose your own technicians for repairs
- Offers a plan-length workmanship guarantee, the longest in this review
Keep in Mind
- Includes a depreciation policy that lowers payouts for older items
- Offers lower coverage limits for certain major systems, such as plumbing
Our Review
If having the option to choose your own technician is important to you, we recommend AFC Home Warranty. The company lets you select your preferred repair technician, unlike many other providers that only offer this option when they can’t find a local service provider. This flexibility is especially helpful for Tennessee homeowners who prefer working with a trusted local expert. Plus, all repairs come with a plan-length workmanship guarantee, the longest guarantee of the providers reviewed, offering added peace of mind. AFC Home Warranty also provides unlimited coverage for many major systems, including heating and cooling, which can help keep your HVAC system running smoothly, even with frequent repairs.
However, AFC Home Warranty’s depreciation policy could be a drawback for homeowners with older home appliances and systems. The company reduces payouts for items that are five years or older, which might not seem ideal if your home is equipped with aging systems. Additionally, AFC Home Warranty has lower coverage limits for some items than other providers. For example, coverage for plumbing systems is limited to $500, which is significantly less than other providers we’ve reviewed. This is something to consider, especially if you need high coverage limits beyond just HVAC and water heaters.
Our Experience Filing Claims
Our reviews of Tennessee home warranty providers included evaluating the claims process of two highlighted companies: Elite Home Warranty and Choice Home Warranty. Our testing of these providers provided valuable insights into their claims procedures and customer support teams. Below is a summary of our testers’ experiences with each provider.
Testing Choice Home Warranty
Our Choice Home Warranty tester found the claims process straightforward but faced challenges with inconsistent outcomes. Filing a claim over the phone took only a few minutes, with confirmations arriving within 24 hours. However, service appointment timing varied widely, taking anywhere from one day to a month, and some repairs required multiple contractor visits. While smaller issues such as fridge and AC repairs were resolved, larger claims, such as a bathtub replacement, were denied due to contractor payment limits.
Testing Elite Home Warranty
Our Elite tester submitted a claim for a high-end dishwasher. Filing the claim was simple using a one-page online form that asked for basic appliance details such as the manufacturer and serial number. Within 30 minutes, a representative called to schedule a service visit for the next morning, though our tester opted for a later date due to his schedule. The technician visited our tester’s home the next day, promptly diagnosing the issue and ordering replacement parts, which took two days to arrive. Scheduling the technician to return and complete the repair added two more days, bringing the total to four days. Despite the delay, our tester was overall pleased with the experience.
Home Warranty Costs in Tennessee
If you’re considering a home warranty in Tennessee, you can expect to pay from $51–$80 per month, or $598–$939 per year. This places Tennessee pricing slightly higher than national home warranty costs, typically ranging from $47–$82 per month or $564–$984 per year. Costs can vary based on several factors, including your location, selected plan, and any add-on costs. We recommend adding only the coverage you immediately need to keep costs down.
Don’t forget to factor in service call fees, which typically range from $75–$125 each time you have a repair appointment. To find the best pricing, we suggest getting sample quotes from at least three Tennessee home warranty companies to ensure you find the best deal for your needs.
| Provider | Monthly Cost in Tennessee | Service Fee |
|---|---|---|
| American Home Shield | $42–$92 | $100–$125 |
| Choice Home Warranty | $61–$69 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| First American Home Warranty | $66–$118 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
We collected nearly 4,000 home warranty quotes from 13 companies across all 50 U.S. states to better understand pricing in Tennessee and nationwide. In each state, we used sample addresses for single-family homes under and over 5,000 square feet. For Tennessee, we requested quotes from homes in Altamont, Franklin, Memphis, and Nashville to reflect both rural and urban areas. We then calculated average costs for each state and used those to estimate a national price range.
Survey Insights from Tennessee Homeowners
Our 2025 home warranty survey provided key insights into homeowner experiences nationwide, including those in Tennessee. Coverage ranked as the top priority for 54% of Tennessee homeowners when shopping for a plan, compared to 28% who prioritized pricing. About half of the respondents said they purchased a plan to protect aging systems and homes, which reflects the 65% of Tennesseans who reported living in pre-owned properties. To maximize protection, nearly 59% of homeowners opted for combination plans that include both systems and appliances.
Regarding specific coverage, homeowners most often prioritized coverage for air conditioning, electrical systems, water heaters, and refrigerators. Roof leak coverage, septic tank pumping, and secondary appliance protection were among the most common add-ons, though 43% of respondents chose no add-ons at all, likely because their base plans met their needs.
Satisfaction levels were generally high among Tennessee homeowners, with 74% reporting they were either satisfied or very satisfied with their provider. That confidence extended to claims as well, as 80% of respondents had their most recent claim approved, most commonly for system repairs or replacements. Of the 13% of policyholders who experienced a denial, preexisting conditions were the leading reason. Overall, 78% of respondents were satisfied with how their claim was resolved, and 52% said they plan to renew their coverage.
How We Collected Our Survey Data
In 2025, we surveyed 2,000 home warranty plan holders from all 50 U.S. states to better understand their experiences. We asked homeowners why they purchased coverage, how satisfied they are with their plans, and what it was like to file claims or work with customer service. The survey also covered pricing, add-on selections, and whether homeowners planned to renew their coverage.
Advice From Homeowners
Having a home warranty plan in place can offer homeowners much-needed peace of mind, especially when unexpected repairs arise. Amanda L., a homeowner in Nashville, Tennessee, experienced this firsthand with her appliance-only plan. After dealing with a dishwasher leak before she had coverage, Amanda truly appreciates the security her plan provides.
“It gives me comfort to know that if anything happens to my appliances, I can get a third party to deal with some of those details quickly,” she said. This sense of relief and confidence in her home warranty plan has made managing home repairs much easier for her.
However, Amanda’s experience also highlights how important it is to have the right amount of coverage. Six months into her plan, Amanda’s water heater broke, and unfortunately, it wasn’t covered under her appliance-only plan.
“When my hot water heater broke recently, I would’ve liked to be able to outsource finding a repair person to my warranty company,” she said. While she appreciated the service for her appliances, this gap in coverage made her realize that having a more comprehensive plan could have saved her time, stress, and additional expenses.
This situation is a reminder to evaluate your home warranty coverage and make sure it meets your needs. While basic plans save on upfront costs, unexpected breakdowns can become costly if you’re not fully covered. In Amanda’s case, having home warranty coverage for her water heater could have saved her time and money. Periodically reassessing your plan and adding coverage for essential systems or appliances can help prevent future headaches.
FAQs About Home Warranties in Tennessee
What does a typical home warranty cost in Tennessee?
Home warranty plans in Tennessee typically cost $51–$80 per month, or $598–$939 annually. Service call fees, which range from $75–$125 per claim, also impact your overall costs. The exact price you pay will depend on your provider, coverage level, and optional add-ons such as roof leak repair or pool coverage.
Do I need a home warranty in Tennessee?
A home warranty is not required in Tennessee, and it’s ultimately your decision if you want to purchase coverage or not. Home warranties help cover home repair and replacement costs for systems and appliances affected by normal wear and tear. A home warranty can benefit Tennessee homeowners, especially given the state’s variable weather, which can stress HVAC systems and roofs over time.
Is a home warranty worth it for Tennessee homeowners?
A home warranty is worth it if you want peace of mind and financial stability in the event of unexpected home repairs. Tennessee’s climate, including high humidity and seasonal storms, can strain appliances and systems over time, making comprehensive warranty coverage a practical choice for minimizing unexpected repair costs.
How We Evaluated Home Warranty Providers
We base our Tennessee home warranty recommendations on detailed research to deliver the best guidance for homeowners across the state. This includes expert consultations, gathering sample quotes, and reviewing provider contracts.
We also assess customer support services, review company websites, and take into account third-party reviews. To ensure a thorough understanding of each provider’s service, we’ve purchased plans from 11 home warranty companies to assess coverage and claims processes firsthand.
We then score each provider against our detailed rating methodology on six factors, awarding each company a 5-star score.
- Coverage: Tennessee homeowners face diverse weather conditions, including heavy rain, storms, and occasional freezing temperatures, all of which can strain home systems and appliances. Providers offering robust coverage for HVAC systems, plumbing, and electrical systems with high coverage caps scored higher in our review. Companies that excluded these key protections or have low coverage limits did not meet the standards for our review.
- Cost: Homeowners may look for home warranty plans that offer fair pricing without compromising essential coverage for systems and appliances. Providers offering flexible pricing, service fees within the typical range, and various payment options were ranked higher. Providers with inflated monthly fees or excessive surcharges did not make our list.
- Trustworthiness: A company’s trustworthiness is important in Tennessee, where homeowners need reliable services to address issues ranging from plumbing failures to HVAC repairs. For this category, we evaluated each provider’s BBB rating, customer reviews, and workmanship guarantee lengths. Companies with strong reputations and longer guarantees were rated higher.
- Plan transparency: For Tennessee homeowners, clear and detailed contracts can ensure customers fully understand what is covered, helping to avoid any surprises or denied claims. Providers that offer clear, detailed information about coverage limits, exclusions, and service call fees received higher marks. Those with vague terms or hidden details were rated lower.
- Customer support: Reliable customer support is essential when facing unexpected repairs, particularly with the state’s unpredictable weather. Providers offering 24/7 claims support, multiple claim submission options (via phone, online, or a mobile app), and quick response times were rated higher. Companies with limited support availability or slow responses did not meet our standards.
- Flexibility: Flexibility is important for Tennessee homeowners who want to tailor coverage to meet their specific needs. Providers offering a range of add-ons, multiple plan options, and the ability to select service technicians scored higher. Companies with limited customization or rigid policies were not considered.
