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Over time, your home’s major systems and appliances may experience a breakdown due to normal wear and tear, seemingly always at an inconvenient time. To avoid the hassle of sourcing your own service technician, a home warranty provider sources and sends a vetted professional to your home to fix or replace your broken system or appliance.
Our team has reviewed the best home warranty companies in the nation and selected the top five providers in Tennessee based on numerous factors such as customer service, coverage caps and service reputation.
The Top 5 Home Warranty Companies in Tennessee
Here is our list of providers we recommend for Tennessee homeowners:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- First American Home Warranty : Best for Home Systems Coverage
Note that all pricing information in this article is based on a single-family home smaller than 5,000 square feet in Knoxville, Tennessee. Your pricing may vary depending on your home’s size, type, and location, and your add-on coverage and plan options.
Compare Tennessee’s Top Home Warranty Companies
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
American Home Shield
- Number of Plans: Three
- Service Fee: $100–$125
American Home Shield (AHS) is another top recommendation for Tennessee homeowners who value comprehensive coverage. AHS provides up to a $4,000 limit per covered appliance in its ShieldPlatinum plan, plus it covers rust, corrosion, and sediment damage, which many providers exclude. AHS also offers service call flexibility by giving you the choice of two service call fees ranging from $100 to $125. The higher the service call fee you select, the lower your monthly premium will be.
American Home Shield provides three home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver includes a $5,000 coverage limit. The ShieldGold pairs a $2,000 coverage cap per covered appliance. The ShieldPlatinum plan increases caps to $4,000 per covered major appliance and includes an annual discount on HVAC tune-ups plus roof-leak repair coverage.
American Home Shield offers three coverage options.
ShieldSilver ($29.99–$39.99): This plan protects air conditioners, built-in exhaust fans, vents attic fans, ceiling fans, doorbells and chimes, ductwork, main breaker and fuse panel boxes, faucets and valves, garage-door openers, heating units, interior electrical lines, interior plumbing lines, toilets, water heaters and whirlpool tub motors and components.
ShieldGold ($49.99–$59.99): This plan covers every system in the ShieldSilver plan, plus major appliances such as built-in microwaves, clothes washers and dryers, cooktops, ranges and ovens, dishwashers, garbage disposals, instant hot/cold water dispensers, and refrigerators.
ShieldPlatinum ($69.99–$89.99): This combination plan includes a $4,000 coverage cap per covered home appliance, a $1,500 limit on roof-leak repairs, unlimited refrigerant coverage, and an annual discount for your HVAC system tune-up.
Get a Quick Quote: Visit American Home Shield’s site
Read More: American Home Shield Review
Liberty Home Guard
- Number of Plans: Three
- Service Fee: $65–$125
Liberty Home Guard (LHG) is one of our top providers due to its 60-day workmanship guarantee, available discounts for select new appliances, and $2,000 coverage cap per covered system, appliance, and add-on. LHG also offers more than 30 unique add-on coverage options for those who want fully customizable home protection. In addition, Liberty Home Guard offers three home protection plans: the Appliance Guard, Systems Guard, and Total Home Guard.
Upon signing up, an LHG representative will assign your service call fee based on your home’s size, type, and location, plus your plan selection and coverage options. Your service call fee can range from $65–$125 per filed claim.
Liberty Home Guard offers three plans.
Appliance Guard ($49.99): This plan covers common home appliances such as built-in microwaves, clothes washers and dryers, ceiling and exhaust fans, dishwashers, garbage disposals, garage-door openers, ranges, ovens, cooktops, and refrigerators with ice-makers and displays.
Systems Guard ($54.99): This plan covers home systems and appliances such as air conditioning, heating, electrical systems, plumbing systems, ductwork, and water heaters.
Total Home Guard ($59.99): This plan covers everything in the Appliance Guard and Systems Guard into one comprehensive plan.
Get a Quick Quote: Visit LHG’s site
Read More: Liberty Home Guard Review
Select Home Warranty
- Number of Plans: Three
- Service Fee: $75
Select Home Warranty is our final recommended provider. Each plan offered by Select includes roof-leak repair coverage plus generous coverage caps for heating and cooling systems. However, Select significantly reduces its coverage caps for other systems, appliances, and add-ons. Nevertheless, its quick claims processing, competitive pricing, and included roof-leak coverage (up to $400) make it worth consideration.
Select pairs all plans with a $75 service call fee.
Select Home Warranty offers three plans.
Bronze Care ($44.42): This plan covers essential home appliances such as built-in microwave ovens, clothes washers and dryers, cooktops, dishwashers, garbage disposals, ovens, refrigerators, and stoves.
Gold Care ($44.42): This plan covers major systems such as air conditioning, heating, electrical systems, plumbing systems, ductwork, and water heaters.
Platinum Care ($47.75): This plan bundles systems and appliance coverage into one comprehensive protection plan.
Get a Quick Quote: Visit Select Home Warranty’s site
Read More: Select Home Warranty Review
America’s First Choice Home Club
- Number of Plans: Four
- Service Fee: $75–$125
America’s First Choice Home Club (AFC Home Club) provides customizable plans and service call fees via four plan options and three service call fee selections. It offers appliance- and systems-specific plans if you only need basic coverage. It also includes an unlimited workmanship guarantee on completed repairs during the length of your plan, which is much longer than the industry standard of 30 days.
AFC Home Club provides a generous $3,000 coverage cap per covered appliance. Home systems, however, have a mix of coverage limits depending on the system. For example, water heaters are limited to a $500 payout. Read AFC Home Club’s sample service contract to be aware of applicable exclusions and limitations.
AFC Home Club offers four plans.
Systems Plan ($43.17–$47.75): This plan covers air conditioning, electrical systems, heating systems, plumbing systems, ductwork, and water heaters.
Silver Plan ($36.25–$40.83): This plan covers clothes washers and dryers, dishwashers, garbage disposals, garage-door openers, kitchen refrigerators, ovens, ranges, and cooktops.
Gold Plan ($50.00–$54.58): This plan combines coverage from the Silver and Systems plans into one comprehensive plan.
Platinum Plan ($54.58–$59.17): This plan covers every item in the plans above plus additional coverage for built-in microwaves, faucets, ice makers, and plumbing stoppages.
Get a Quick Quote: Visit America’s First Choice Home Club’s site
Read More: AFC Home Club Review
First American Home Warranty
- Number of Plans: Three
- Service Fee: $75–$125
First American Home Warranty is a reputable home warranty provider offering comprehensive coverage, specifically for home appliances. First American provides a $3,500 coverage cap for each covered appliance. Note that air conditioning is only available as an add-on if you purchase the Starter Plan. In addition, First American provides three service call fees that range from $75–$125.
It offers additional coverage for items a typical home warranty doesn’t cover with its First American Advantage Upgrade. The First Class Upgrade helps pay for additional inconveniences, including coverage for cosmetic damage to home appliances and systems, plus coverage for expenses related to removing an appliance, using cranes during installation, or dealing with local building permits when required for replacing appliances. First American bundles this upgrade within its Essential and Premium plans.
First American offers three main coverage options.
Starter Plan ($44–$59): The Starter Plan covers the following major systems and appliances: built-in microwaves, cooktops, dishwashers, ductwork, electrical systems, heating systems, kitchen range hoods, ovens, plumbing systems, plumbing stoppages, refrigerators, toilet tanks, bowls, and mechanisms.
Essential Plan ($54–$69): The Essential plan includes Starter Plan items plus air conditioning, ceiling, attic, and exhaust fans, clothes washers, clothes dryers, the First American Advantage add-on, garage-door openers, trash compactors, and water heaters.
Premium Plan ($69–$84): This plan covers everything in the Essential plan and includes the following: central vacuum systems, faucets, full garage door systems, instant hot water dispensers, luxury appliances, shower heads, shower arms, and window AC units.
Get a Quick Quote: Visit First American’s site
Read More: First American Home Warranty Review
Home Warranty Regulations in Tennessee
Home warranty regulations vary by state government. In Tennessee, the Consumer Protection Division of the Tennessee Attorney General’s Office enforces consumer protection. You can access consumer resources and file a complaint on its website.
Although state government oversight varies, industry associations provide national guidelines to promote consumer confidence. For example, the National Home Service Contract Association (NHSCA) is a nonprofit trade organization composed of member companies that follow a code of ethics and sound business practices.
Our team recommends Liberty Home Guard due to its wide variety of add-on coverage options and 60-day workmanship guarantee. American Home Shield offers wide coverage along with rust, corrosion, and sediment damage, and First American Home Warranty offers comprehensive appliance coverage.
Before signing up, we recommend you pull quotes from three providers to compare coverage options and costs. Additionally, we recommend reading through their service contracts to be aware of coverage exclusions and limitations.
Tennessee Home Warranty Companies FAQ
Do home warranty companies cover furnaces?
Yes, many home warranty providers offer furnace coverage in their base plans. However, it is important to note that each provider offers different coverage limits for furnace systems. You should check your provider’s service contract for the extent of coverage.
What is a workmanship guarantee?
A workmanship guarantee is an industry term used for describing a provider’s repair guarantee. The industry standard for a workmanship guarantee is 30 days. Certain providers, such as Liberty Home Guard and AFC Home Club, offer a lengthier workmanship guarantee.
How often do I have to pay my service call fee?
Typically you are required to pay your provider’s service call fee each time you file a new claim. Reputable providers won’t charge an extra service call fee if your completed repair has issues again within 30 days. Certain providers extend their repair guarantee past the industry standard of 30 days.
How many years does a home warranty last?
Most home warranty service contracts last up to 12 months. Certain providers, such as AFC Home Club, offer a three-year policy for extended peace of mind. Providers that offer multiyear service contracts tend to discount their monthly premium rates.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.