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Best Home Warranty Companies in Tennessee (2024)

We chose Liberty Home Guard and American Home Shield as top home warranty providers for Tennessee. Read our guide for detailed ratings and company reviews.

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 06/24/2024

Tennessee homeowners looking to protect their investments should consider a home warranty. Home warranties provide peace of mind by covering costly repairs or replacements of major systems and appliances if they malfunction. To help you find the right provider, we researched 13 of the best home warranty companies across the country and narrowed the list to our top choices. 

We recommend Liberty Home Guard due to its high customer service rating and specialized coverage options. We also chose American Home Shield as an excellent option for Tennessee homes needing comprehensive system and appliance protection. Continue reading for the full Tennessee provider list and choose the right plan for your needs.

Key Takeaways

The best home warranty companies in Tennessee are Liberty Home Guard and American Home Shield, based on our research of 13 providers.
A Tennessee home warranty costs around $29-$89 per month but varies based on several factors, such as plan options and location.
Our survey of 1,000 homeowners found that 92.7% were satisfied with their plan.
Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.

Tennessee’s Top 5 Home Warranty Companies

The highest-rated Tennessee home warranty companies include the following:

Best Customer Ratings: Liberty Home Guard
Best for Comprehensive Coverage: American Home Shield
Best Flexible Coverage: Elite Home Warranty
Best Appliance Coverage: First American Home Warranty

Note: Cost information in this article is based on a quote we pulled for a single-family home smaller than 5,000 square feet in Knoxville, Tennessee.

Summary of the Best Home Warranty Companies in Tennessee

We compared our top providers on several factors in the table below. Each company’s cost data is the average of 120 sample quotes we pulled across various states.

Overall Score

4.6 / 5
4.8 / 5
4.5 / 5
4 / 5
4.5 / 5

BBB Rating


Monthly Cost


Service Fees


Customer Support Options

Email, Phone, Online Chat, Online Portal
Phone, Online Portal
Email, Phone, Online Portal
Email, Phone, Online Portal
Phone, Online Portal

Response Time

Up to 48 hours
Up to 48 hours
Up to 48 hours
48-84 hours
4–48 hours


  • Extensive add-on catalog
  • 60-day workmanship guarantee
  • Accessible customer support
  • High coverage caps
  • Preexisting coverage included
  • Bonus discounts on maintenance services
  • Higher coverage for high-end appliances
  • 90-day workmanship guarantee
  • Service call fee rolled into annual premium
  • Low-cost plan options
  • High HVAC coverage
  • Free roof leak protection
  • Unlimited system coverage
  • Solid add-on catalog
  • Optional upgrade for preexisting condition coverage


  • Reviews mention low claim payouts
  • Low coverage caps for electrical and plumbing
  • Higher costs for comprehensive coverage
  • Smallest add-on catalog
  • Higher service fee for high-end appliance repairs
  • No workmanship guarantee on repairs by out-of-network technicians
  • Low coverage caps for other items
  • No service call fee flexibility
  • No AC coverage in the lowest plan
  • Excludes essential appliances from its lowest plan


We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations.

We recommend American Home Shield for homeowners who need comprehensive coverage for older homes.

We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options.

We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage.

We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances. 


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Rating Categories


2.8 / 5
4.5 / 5
3.7 / 5
2.3 / 5
2.8 / 5


3.5 / 5
2.3 / 5
2.5 / 5
4 / 5
3.8 / 5


4.3 / 5
3.1 / 5
4.7 / 5
3.3 / 5
4.3 / 5

Plan Transparency

2.5 / 5
5 / 5
3 / 5
2.5 / 5
2.5 / 5

Customer Support

4.7 / 5
4.3 / 5
3.3 / 5
3.7 / 5
2.7 / 5


3.5 / 5
2.5 / 5
3 / 5
2.5 / 5
3.5 / 5
Company BBB Rating Monthly Cost in TN Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
B $44–$84 $75–$125 VISIT SITE
No results were found.

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 1,900-square-foot, single-family home in Chattanooga, Tennessee. Your pricing may vary depending on your home’s location, size, type, and plan selections.

What Is the Cost of a Home Warranty in Tennessee?

Our research shows the average cost of a home warranty in Tennessee is $55 per month. Annually, expect to pay an average of $660 for a coverage plan. In addition to plan premiums, you must pay a service call fee each time you file a claim. You’ll pay roughly $75–$125 for a service fee. After surveying 1,000 homeowners with home warranties, we found that the average service call cost is $80.

The following items are the main factors that affect plan costs:

  • Add-ons
  • Coverage caps
  • Extent of coverage
  • Service call fee 
  • Your location
  • Your home’s size and type

Your chosen premium frequency could also affect your overall costs. Many providers offer special discounts and free months of service for choosing an annual plan over a monthly option. In fact, our survey revealed that 52.5% of respondents selected an annual premium, while 45.8% chose a monthly plan. We recommend comparing sample quotes from several providers to find the best premium savings. 

Factors To Consider Before Buying a Tennessee Home Warranty

Before you begin researching home warranty companies in Tennessee, we recommend considering the following factors:

Home Age

Consider the age of your home before buying a home warranty. You likely don’t need a home warranty on a new construction for your first year of homeownership. This is because Tennessee’s New Home Warranty Act mandates that home builders provide a one-year warranty on the systems’ installation and workmanship.

Company Reputation

Research a provider’s overall reputation before signing up for a coverage plan. We highly recommend choosing providers with BBB accreditation. Also, look for companies associated with industry organizations, such as the National Home Service Contract Association (NHSCA).

Contract Terms

Carefully review sample contracts. Reputable providers display them on their websites or send them via email upon request. Seek answers to the following questions: Are there limits on how much the provider will pay per covered item? Does it require maintenance records before offering coverage? Reading the fine print beforehand helps avoid claim denials in the future.

Service Response Time

When an unexpected breakdown occurs, you want it repaired quickly. Confirm a provider will process a service request within 24–48 hours. Our survey revealed that most policyholders received claim approval in 24 hours or less. Also, ask how quickly it sends a service technician to your home outside normal business hours.

Tennessee’s New Home Warranty Act requires home builders to include a one-year warranty on the workmanship and installation of a new home’s systems. Unless you are moving into a new construction home, you may want to consider a home warranty in order to save on future repairs or replacements.
Why Trust Us? Our review and rating process for the best home warranty companies
Companies Considered We carefully considered 13 companies to find the best home warranty providers available.
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
Reviews Analyzed We went through 5,700 customer reviews of home warranty companies to see what people had to say about each provider.
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Tennessee Home Warranty Company Reviews

Liberty Home Guard

Best Overall
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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.

Why We Chose Liberty Home Guard

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.

Pros and Cons

Pros Extends a 60-day workmanship guarantee Offers 38 unique optional add-ons, including pest control and gutter cleaning Provides two additional months of coverage if you sign up for an annual plan Cons Doesn’t allow plan price or service call fee customization Covers high-end appliances only with add-on purchase Lacks transparency about service call fees during the quote process

Plans and Pricing

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:


Monthly Cost

Service Fee

Coverage Cap

Appliance Guard




Systems Guard



$2,000 (Plumbing & electrical: $500)

Total Home Guard



Coverage caps remain the same

American Home Shield

Best for Comprehensive Coverage
4.8 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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.

Why We Chose American Home Shield

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.

Pros and Cons

Pros Offers a flexible service call fee model that allows customers to adjust monthly fees to fit their budget Sets generous coverage caps (up to $5,000 on built-in systems and $4,000 on appliances with its ShieldPlatinum plan) Provides coverage for unknown preexisting conditions, items damaged by rust and corrosion, and items that have been improperly installed or modified Cons Charges higher monthly premiums than other providers Offers less coverage flexibility than most providers with only a few add-on options Doesn’t offer option to pay annually

Plans and Pricing

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:


Monthly Cost

Service Fee

Coverage Cap








Systems: $5,000

Appliances: $2,000




Systems: $5,000

Appliances: $4,000

Elite Home Warranty

Best for Flexible Coverage
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

Pros and Cons

Pros Includes a 90-day workmanship guarantee for completed repairs Offers higher coverage limits for high-end appliances Rolls your service call fee into your annual premium, avoiding a per-claim charge Cons Charges a higher service call fee for high-end appliance repairs Excludes workmanship guarantee on repairs done with an out-of-network technician Requires you to call for a quote

Plans and Cost

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:


Monthly Cost

Service Fee

Coverage Cap

Elite Appliances



Varies per Item

Elite Systems



Varies per Item

Elite Complete



Varies per Item

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

Our Experience with Elite Home Warranty

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.

Select Home Warranty

Best Value
4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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.

Why We Chose Select Home Warranty

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.

Pros and Cons

Pros Offers annual premium discounts on multiyear coverage plans Includes a generous $3,000 coverage limit for HVAC systems Covers additional refrigeration and stand-alone freezers Cons Excludes coverage for tankless water heaters Offers lower coverage caps than many competitors Charges multiple service fees if there are multiple claims at the same time

Plans and Pricing

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:


Monthly Cost

Service Fee

Coverage Cap

Bronze Care




Gold Care



$500 (HVAC: $3,000)

Platinum Care



Coverage caps remain the same

First American Home Warranty

Best Appliance Coverage
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

*(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.

Why We Chose First American Home Warranty

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.

Pros and Cons

Pros Provides unlimited coverage caps on heating, cooling, and ductwork Covers up to $1,000 in limited roof-leak repair Offers customers access to appliance discounts Cons Covers air conditioning only as an add-on in the Starter Plan Limits service to 33 states, which is considerably fewer than many other providers Omits home system coverage from its basic plan

Plans and Pricing

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:


Monthly Cost

Service Fee

Coverage Cap

Starter Plan



Systems: Unlimited

Appliances: $3,500

Essential Plan



Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan



Systems: Remain the same Appliances: $7,000

What To Expect

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.

How Do Home Warranties Work in Tennessee?

Home warranties are service agreements that cover the repair or replacement costs of your home’s major systems and appliances. Suppose a covered item fails, you file a claim, and the company’s service technician determines the breakdown occurred due to normal wear and tear. In that case, the home warranty will cover the repair or replacement of the item up to its established coverage limit.

Are Home Warranties Worth It in Tennessee?

Yes, home warranties can be the right choice in many situations. For instance, a home warranty can be a wise investment for individuals who own many aged systems and appliances. According to the International Association of Home Inspectors, home appliances last an average of five to 20 years, depending on the item. If you know your appliances are within that age range, a home warranty can help reduce appliance repair or replacement costs.

With the right plan, you can ensure your essential items receive adequate coverage and keep your home functioning smoothly. Our survey found that 92.7% of policyholders were satisfied or very satisfied with their home warranty plan.

How To Choose the Best Home Warranty Company in Tennessee

The best home warranty for your home depends on several factors. Here are a few criteria to consider:

  • Plan type: It’s important to know the type of coverage you need before purchasing a home warranty plan. For example, purchasing an appliance-only plan wouldn’t make sense if you recently upgraded your home appliances. Ensure your selected plan covers the right appliances and systems based on your immediate needs. 
  • Local vs. national providers: Consider the type of company you wish to purchase a plan from. Local providers may use contractors you’re familiar with but may lack national brands’ standard features, such as an expansive coverage list.
  • In-network contractors vs. your own: Consider how you prefer handling claims with your provider. If you’re more hands-on, consider a company that allows you to choose your service technician. If you’d rather let the home warranty take care of it, a provider with in-network technicians makes sense. Note that some home warranty companies don’t provide a workmanship guarantee for service providers you hire. However, your local repair shop will typically give you a workmanship guarantee on any completed repairs.

How Are Home Warranties Regulated in Tennessee?

Home warranty regulations vary significantly from state to state. In Tennessee, the Department of Commerce and Insurance doesn’t clearly indicate it regulates home service contracts. However, it provides consumers with information on how to avoid home warranty scams. The state’s Attorney General’s Office also provides consumer protection. You can file a complaint on the Tennessee Attorney General’s website.

In states where there isn’t clear government intervention, industry associations take up that role. The Service Contract Industry Council (SCIC) is a major organization that oversees home warranties. It has a member directory where you can find information on reputable and compliant home warranty companies.

Home Warranty Cost Calculator

We created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

ApplianceAverage Repair CostAverage Replacement Cost










Exhaust Fans



Electric Range



Gas Range


















Expert Takes on Home Warranties

We reached out to experts in industries associated with home warranties, such as real estate and appliance repair. We sent them some frequently asked questions, and these were their responses:

  • Are there questions I should ask about the claims process? According to David Tully, founder of LPT Realty, you should confirm how long the company will take to respond to your claim. “You need to understand how to file a claim to your provider and how quickly you can expect a response from them.” He adds, “Also, get to know the turnaround time they would take for the repairs and replacements.” We recommend asking how they source parts and how long it takes to receive them for repairs.
  • Do home warranties provide cash reimbursement? Kurt Walker, a Mill City Home Buyers real estate expert, says most companies will offer cash reimbursements instead of repairs or replacements. “However, you must be aware that the cash payout might not cover the cost of replacement,” he warns.
  • Why should I buy a Tennessee home warranty? Marcus Fernandez, attorney and co-owner of Kinney, Fernandez, and Boire Law, recommends buying a home warranty even if you already own a home insurance plan. “They go beyond what your homeowners insurance covers by catering to the inevitable wear and tear of home systems and appliances, which typically isn’t covered by insurance.”

What Other Home Warranty Companies Are Available in Tennessee?

While Liberty Home Guard and American Home Shield are your best options for Tennessee home warranty companies, other providers, such as Elite Home Warranty, are available.

Our Conclusion

Liberty Home Guard is our top pick for Tennessee’s best home warranty company. The company has received high ratings in our detailed scorecard due to its 60-day workmanship guarantee, double the industry standard, and extensive add-on catalog. Another top provider is American Home Shield, which rated well for its comprehensive protections and generous coverage caps. Elite Home Warranty is another solid choice for Tennessee homeowners who want more flexibility with their home coverage. 

We recommend getting quotes from at least three companies to compare pricing and find the best plan that fits your budget.

Other Resources for Residents in Tennessee

Frequently Asked Questions About Tennessee Home Warranties

Are home warranties worth it for older Tennessee Homes?

Yes, a home warranty can be worth it for an older Tennessee since it likely has older major systems and appliances that can fail due to wear and tear. The exception is if your home systems and appliances have preexisting conditions, as many providers exclude coverage for these. If you want coverage for items with preexisting conditions, American Home Shield covers certain preexisting conditions and does not require a home inspection before beginning coverage.

What add-ons are good for Tennessee homeowners?

While your unique situation calls may not require these add-ons, a few solid additional coverage options Tennessee homeowners should consider are roof-leak repair coverage and additional air conditioning due to the regular rainfall and hot summers.

What types of homes do home warranties cover?

The type of home a home warranty covers varies per provider. Most providers cover single-family homes, mobile homes, condos, and townhomes. Multi-family homes and apartment complexes are usually not covered. Home warranties also cover rental properties.

How long do home warranties guarantee their work?

A home warranty typically guarantees its work for 30 days after it repairs or replaces your covered item. Some companies, such as AFC Home Warranty, guarantee their work for the length of your plan.

Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs. 
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability. 
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician. 
    • Claims process
    • Guaranteed response time
    • Service flexibility

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.