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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Tennessee is known for its rich history and culture, but it's also home to a very modern problem: systems and appliances breaking down. With variable temperatures year-round, Tennessee homeowners need to keep systems like air conditioning in working order.

Investing in a home warranty from a reputable provider can help protect you from the unexpected costs of repairs and replacements. We've assembled a list of the best home warranty providers in Chattanooga, Tennessee.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

7 Best Home Warranty Companies in Chattanooga

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Chattanooga

  • Average Max Temperature:
    68°F
  • Average Min Temperature:
    52°F
  • Average Annual Snowfall:
    1.6”
  • Homeownership Rate:
    64%
  • Median Home Size:
    2,317 sqft
  • Median Home Price:
    $295,930

Are Home Warranties Worth It for Chattanooga Residents?

Home warranties are worthwhile for Chattanooga residents. Summers in Chattanooga are very hot, which makes it very important for your air conditioner to work properly. However, over time this system can malfunction from heavy use.

Winters in Chattanooga are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide.

Chattanooga's heavy rain can also affect your roof. Some home warranty providers offer limited roof-leak coverage to ease the financial burden of repair.

Finally, home warranties connect you with trustworthy service providers. When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you determine the best home warranty plan for your needs.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You'll also pay a service call fee of approximately $65–$125 each time you file a claim. Basic home warranty plans generally cost less than comprehensive ones. Appliance plans usually cost less than home systems coverage plans. Consider your specific needs before choosing a plan, as add-on coverage options will increase your monthly price.

Coverage

You can look for a home warranty plan that covers specific systems and appliances. Determine whether you want coverage for major systems (like air conditioning), specific appliances, or both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, consider a company's coverage limits. Our research shows that higher coverage limits tend to come with higher premiums. However, companies that offer higher coverage limits may still be the best choice for homes with older appliances or systems.

Exclusions

Generally, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, routine maintenance, defects, or theft aren't covered either. Providers will outline exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.

Provider Reputation

Consider provider reputation when making a decision. You can also read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Reading reviews can give you a sense of how companies handle customer service and claims. Check with the Tennessee Division of Consumer Affairs to verify that a provider holds a valid state license.

Contractor Network

Take into account a home warranty company's service provider network. Providers should always send licensed and registered contractors to fulfill service requests. Make sure you ask how and where a company sources its technicians. Choose a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so you want the option to source your own.

Frequently Asked Questions about Home Warranty in Chattanooga

More Home Warranty Resources

Sources

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

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