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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 much more modern problem: systems and appliances breaking down. With changing temperatures throughout the year, Tennessee homeowners need to keep systems like air conditioning in good shape.

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 Nashville, 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 Nashville

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 Nashville

  • Average Max Temperature:
    68°F
  • Average Min Temperature:
    50°F
  • Average Annual Snowfall:
    3.4”
  • Homeownership Rate:
    54%
  • Median Home Size:
    1,901 sqft
  • Median Home Price:
    $430,946

Are Home Warranties Worth It for Nashville Residents?

Yes, home warranties are beneficial for Nashville residents. Nashville summers are very hot, which makes it very important for your air conditioner to work properly. However, this system can malfunction over time from heavy use.

Winters in Nashville 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 received from home warranty companies nationwide.

Nashville's heavy rain can damage your home's roof. Some home warranty companies offer limited roof-leak coverage, which can mitigate the cost of roof repair.

Lastly, a home warranty connects you with trustworthy service providers. A reputable home warranty is a good investment because companies vet their technicians. If you don't have time to do the research yourself, your home warranty company can ensure that someone reliable will handle your problem.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when selecting the right home warranty plan for you.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 monthly. You'll also pay a service call fee whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as add-on coverage options will raise the monthly price.

Coverage

Determine the appliances and systems you use most frequently. Most home warranty plans offer custom coverage tailored to your needs. If you only need coverage for certain systems, like your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for certain appliances. Here 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 provider's coverage limits. Our research shows that higher coverage limits tend to be associated with higher premiums. However, companies that have higher coverage limits may still be the best choice for houses with older appliances or systems.

Exclusions

Home warranties generally only cover normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Providers outline their limitations and exclusions in their service contracts. Read your contract thoroughly to make sure you understand the terms and conditions of your plan.

Provider Reputation

Consider a company's reputation when making a decision. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reading reviews can show you how providers 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. Ask where and how it sources technicians—reputable providers should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Rural homeowners might consider choosing a home warranty that lets them pick their technicians. You'll want the option to source your own providers if no in-network ones are available in your area.

Frequently Asked Questions about Home Warranty in Nashville

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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