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Best 6 Home Warranty Companies in Clarksville, TN

  1. Home
  2. Local Pros
  3. Home Warranty
  4. TN
  5. Clarksville
Written By Jessica Hurtault|Last Updated: April 18, 2024

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

A home warranty from a good provider can help mitigate the costs of unexpected repairs and replacements. We've compiled a list of the top home warranty companies in Clarksville, Tennessee.

Best Customer Ratings
4.5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best for Comprehensive Coverage
4.4
  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
Best Value
4.3
  • 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

6 Best Home Warranty Companies in Clarksville

Best for Comprehensive Coverage

American Home Shield

Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options
Plan Name ShieldSilver
Monthly Cost $29.99 – $39.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Doorbell, Ductwork, Electrical, Faucets and Valves, Garage door, Heating system, Main breaker fuse box, Plumbing, Plumbing stoppages, Rekey services, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldGold
Monthly Cost $49.99 – $59.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Refrigerator, Rekey services, Range, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldPlatinum
Monthly Cost $79.99 – $89.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Range, Refrigerator, Rekey services, Roof-leak, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Spa, Septic pump, Well pump

52 Years in BusinessBBB Rating: B
Best Customer Ratings

Liberty Home Guard

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

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Plan Name Appliance Guard
Monthly Cost $49.99
Service Fee $65.00 - $125.00
Items Covered

Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Range, Refrigerator, Washer

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Systems Guard
Monthly Cost $54.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Total Home Guard
Monthly Cost $59.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Toilet, Washer, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

6 Years in BusinessBBB Rating: A+
Best Value

Select Home Warranty

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
Plan Name Bronze Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Cooktop, Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Stove, Washer

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Care Plan
Monthly Cost $47.75
Service Fee $75.00
Items Covered

Air conditioner, Cooktop, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Stove, Washer, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

11 Years in BusinessBBB Rating: B-
Best for Customization

AFC Home Warranty

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
Plan Name Silver Plan
Monthly Cost $42.17 – $47.00
Service Fee $75.00 - $125.00
Items Covered

Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Garage door opener, Kitchen refrigerator, Oven, Range, Stove

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Systems Plan
Monthly Cost $49.42 – $54.25
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Plan
Monthly Cost $56.67 – $61.05
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Garbage disposal, Garage door opener, Heating system, Kitchen refrigerator, Oven, Plumbing, Range, Stove, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Plan
Monthly Cost $61.05 – $66.33
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Attic fan, Built-in microwave, Ceiling fan, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Exhaust fan, Faucets, Garbage disposal, Garage door opener, Heating system, Ice maker, Kitchen refrigerator, Oven, Plumbing, Plumbing stoppages, Range, Stove, Water heater

Add-on Items

Central vacuum, Double oven, Electonics coverage, Hot water dispenser, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

14 Years in BusinessBBB Rating: B
Best Appliance Coverage

First American Home Warranty

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

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers
Plan Name Starter Plan
Monthly Cost $47.00 – $67.00
Service Fee $75.00 - $125.00
Items Covered

Built-in microwave, Dishwasher, Ductwork, Electrical system, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms

Add-on Items

Additional refrigeration, Central air conditioning, First American Advantage, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Essential Plan
Monthly Cost $52.00 – $72.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, First American Advantage, Garage door opener, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Premium Plan
Monthly Cost $67.00 – $87.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Central vacuum system, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, Faucets, First American Advantage, Full garage door system, Garbage disposal, Heating system, Instant hot water dispenser, Kitchen range hood, Luxury appliance coverage, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Shower head/shower arm, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater, Window AC unit

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

39 Years in BusinessBBB Rating: B
Cheapest Appliances Plan

2-10 Home Buyers Warranty

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
Plan Name Simply HVAC
Monthly Cost $39.70 – $50.20
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Heat pumps, Heating system, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Simply Kitchen
Monthly Cost $22.00 – $31.00
Service Fee $65.00 - $100.00
Items Covered

Built-in microwaves, Cooktops, Dishwashers, Ovens, Ranges, Refrigerators

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Essential Home
Monthly Cost $51.37 – $61.81
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Heat pumps, Heating system, Ovens, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Complete Home
Monthly Cost $51.00 – $60.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Pinnacle Home
Monthly Cost $71.00 – $80.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Clothes Dryer, Clothes Washer, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Supreme Package, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Water softener, Well pump

39 Years in BusinessBBB 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 Clarksville
Average Max Temp:67°F
Average Min Temp:50°F
Average Annual Snowfall:2.7"
Homeownership Rate:60%
Median Home Size:2039 sqft
Median Home Price:$299,926

Expert Tips By

This Old House empowers homeowners with the knowledge and tools they need to tackle various projects and navigate the complexities of homeownership.

Are Home Warranties Worth It for Clarksville Residents?

Yes, home warranties are valuable for Clarksville residents. Clarksville summers are very hot, which makes it extremely important that your air conditioner is working well. However, over time this system can malfunction from heavy use.

Winters in Clarksville are fairly mild, but there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.

Clarksville's heavy rain can cause damage to your roof. Some home warranty providers offer limited roof-leak coverage, which can ease the financial burden of roof repair. Lastly, home warranties connect you with reliable technicians.

When work and other priorities keep you busy, you want to know a trustworthy service provider 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

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. Additionally, you'll pay a service call fee each time you file a claim. These fees typically range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before selecting a plan.

Coverage

Many home warranty companies offer systems-only plans or plans for select appliances. Figure out which appliances and systems you use most often before committing to a plan. If you only want to cover certain major systems (such as air conditioning) or certain appliances, you can find a plan that meets your needs. 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 coverage limits. Our research has shown that higher coverage limits tend to go hand in hand with higher premiums. However, companies with higher coverage limits may still be the best choice for houses with older appliances or systems.

Exclusions

Most home warranties only cover normal wear and tear, which excludes preexisting conditions and improper installation. Additionally, most policies will exclude cosmetic issues or appliance components, defects, routine maintenance, or theft. Each provider outlines exclusions and limitations within its service contract. Make sure you read it and understand your plan's exact terms and conditions.

Provider Reputation

Also, consider a provider's reputation when choosing a plan. You can read customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to assess how providers handle claims and customer service. Check with the Tennessee Division of Consumer Affairs to verify that a provider holds a valid state license.

Contractor Network

Consider a home warranty company's network of service providers. Any provider you choose should use licensed and registered contractors to handle service requests; make sure to ask your company how and where it sources technicians. If you can, use a provider that mentions service contractors you're familiar with. Rural homeowners should consider a home warranty policy that allows the customer to choose their technician. There may be no in-network service providers available in these areas, so customers may need to source their own.

Frequently Asked Questions About Home Warranty in Clarksville

Is a home warranty required in Clarksville?

No, home warranties are not required in Clarksville. However, home warranties are beneficial because they help you maintain a budget for covering expensive appliance and system breakdowns. Home warranty companies also help you save time by sourcing reputable technicians themselves.

What are preexisting conditions?

A preexisting condition is a breakdown or issue experienced by a home system or appliance before your warranty coverage starts. Providers usually won't cover preexisting conditions. You should purchase a home warranty policy while all your systems and appliances are still in working order to ensure complete protection.

What is the best home warranty provider in Clarksville?

The best home warranty in Clarksville depends on your specific needs. Liberty Home Guard is an excellent choice if you require unique coverage. Consider American Home Shield if you're looking for comprehensive coverage limits.

Can I get a home warranty that covers other types of home items?

Yes, home warranties cover many types of home items other than common systems and appliances. For example, some warranties cover sump pumps, stand-alone freezers, septic systems, pools and spas, well pumps, and more. Providers usually cover these items as add-ons. Check with your provider to see what add-ons are available.

Why do home warranties have a waiting period before coverage begins?

Home warranty policies normally don't cover items that are already broken. Therefore, most home warranty providers have a 30-day waiting period before the start of coverage to ensure system and appliance breakdowns are from normal wear and tear, not preexisting conditions.

How long does a home warranty typically last?

The length of a home warranty plan depends on the company. Plans normally last for one year, and you can renew at the end of your contract.

How can I maximize the value of my home warranty?

Clarksville homeowners can ensure home warranty coverage by taking proper care of their systems and appliances. You may also find it useful to keep track of how old they are. Because home warranties only cover normal wear and tear, you'll likely get more out of a home warranty for older appliances.

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

More Home Warranty Resources

Sources