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Best Home Warranties in Tennessee

We compared 34 companies and chose the top home warranty providers

    • Best overall
      Regency Total Warranty
      4.1(1,007)
    • Quick service
      First American Home Warranty
      4.1(8,883)
    • Best technicians
      Cinch Home Services
      4.0(12,208)
    Author picture
    By: Amelia York
    +1 more
    Author picture
    Edited by: Vincent Landino

    Best Home Warranties in Tennessee

    Tennessee’s hot summers, mild winters and frequent storms put stress on cooling, plumbing and electrical systems. A home warranty can help protect against the cost of repairs in this variable climate.

    Regency Total Warranty is the best home warranty company in Tennessee, based on recent reviews from local homeowners, coverage options and overall value. First American Home Warranty is a good choice if you want quick service, and Cinch Home Services stands out for its smooth claims experience.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,805,835 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Our 5 picks for the best home warranty companies in Tennessee

    1. Best overall: Regency Total Warranty
    2. Best for quick service: First American Home Warranty
    3. Best claims handling: Cinch Home Services
    4. Best value: American Home Shield
    5. Best technicians: Choice Home Warranty

    Our research team vetted home warranty companies that are rated by hundreds of customers in Tennessee. Read our guide to choose the best home warranty in Tennessee for you by comparing plans, contract lengths and service fees.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.

    Our 5 home warranty picks in Tennessee

    Below are our favorite home warranty companies in Tennessee, based on local reviews and company offerings.

    Our top pick overall

    Regency Total Warranty

    Regency Total Warranty
    4.1
    1,007 reviews
    Plans available
    2
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty stands out for its consistently strong claims experience, which is critical for Tennessee households facing frequent heat and storm-related breakdowns. Regency’s two combination plans go beyond the basics, providing broad coverage for both systems and appliances, so you don’t have to choose between them.

    Customer feedback from Tennessee residents highlights the company’s ability to handle claims fast.

    What to consider: Regency is a new home warranty company that has only been in business since 2024.

    Pros
    • Both plans cover systems and appliances
    • Reasonable starting costs
    Cons
    • No electronics plan
    • Some water heater exclusions

    Regency’s two plans offer different degrees of coverage for your home’s systems and appliances. Costs start at $39.99 per month, with a potential savings of $50 per year if you pay annually.

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.83 per month ($499.99 per year).

    Optional add-ons include pools and spas, well pumps, sump pumps, central vacuums, limited roof leaks, septic systems, second refrigerators, stand-alone freezers and septic tank plumbing. 

    Seasonal promotions and limited roof leak protection discounts are available.

    “Initially, I had three appliances that need repair within a week. Regency Total Warranty sent me three separate referrals, which was quite inefficient. I called them and asked if I could just have one of them come out because we had worked with him before. They agreed, and it made my life significantly better. I just paid a one-time price rather than three times because only one worker came out to service me. It was practical, efficient, and they collaborated with me.”
    John Hixson, TN
    “I adore your choice of service providers. The repair specialist was very knowledgeable about their profession and handled the problems with devotion and attention. I am a retired person who needs to rely on a home warranty service provider who offers round-the-clock services. By signing up with Regency Total Warranty, I gain peace of mind in a tough time.”
    Linda Chattanooga, TN
    “Regency Total Warranty agent Victor took a prompt action on our heating claim. The technician worked expertly and solved the heating problem. He thoroughly inspect every safety aspect and make sure everything is intact. Excellent repair work done in few hours.”
    Hazel La Follette, TN
    Best for quick service

    First American Home Warranty

    First American Home Warranty
    4.1
    8,883 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $42
    Labor guarantee
    None specified
    Get a Quote Read Reviews

    First American Home Warranty excels at delivering fast repairs and replacements for Tennessee homeowners who need urgent help.

    Customer reviews consistently reflect prompt and reliable service, flexible service fees and affordable entry pricing. The lack of appliance age limits and easy month-to-month contracts makes it accessible for both new and long-term residents.

    What to consider: First American has a shorter labor guarantee (30 days) than many competitors.

    Pros
    • Low starting costs
    • Low service call fees
    • No age limit on appliances
    • Month-to-month contracts
    Cons
    • Occasional service delays

    First American plans cost $42 to $82 per month. They are all combination plans, meaning coverage includes appliances and systems. Service call fees are $100 or $125 (a lower service fee will result in higher monthly premiums).

    • Starter: Covers major systems like heating, plumbing, electrical and ductwork, common kitchen appliances and toilets. Monthly premiums are $42 or $47.
    • Essential: Includes everything in the Starter plan plus fans, garage doors, washers and dryers. Monthly premiums are $57 or $62.
    • Premium: Most comprehensive plan, covers everything in the Essential plan, plus hot/cold water dispensers and central vacuums. Monthly costs are $77 or $82.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $7
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: Reduced premiums for paying annually
    “Having First American Home Warranty gives me peace of mind. I am very pleased with how they have always handled my claims. I would definitely recommend them to family and friends. My claims have always been handled in a timely manner.”
    Joyce Ann Bristol, TN
    “Occasionally, the vendors take a bit longer than expected, but generally, they're quite speedy about resolving issues. One thing that impresses me about First American is their reliability; they've always been there when I've called for service.”
    Bettyjo Memphis, TN
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best claims handling

    Cinch Home Services

    Cinch Home Services
    4.0
    12,208 reviews
    Plans available
    3
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Cinch Home Services is a strong choice for Tennessee homeowners who value an easy claims experience. The company’s 180-day repair guarantee provides extended confidence in service, and its plans are priced to fit a variety of budgets.

    Cinch is quick to dispatch contractors — usually within two hours — and provides coverage for unknown preexisting issues, which can be especially important in older Tennessee homes.

    Most Tennessee reviewers appreciate knowledgeable technicians and an easy online claim process. However, some report frustrations with inconsistent contractor quality,

    What to consider: Cinch doesn’t offer an add-on to cover roof leaks, unlike many competitors.

    Pros
    • Low starting costs
    • Three service fee options
    • 180-day workmanship guarantee
    • Covers unknown preexisting conditions
    • Quick response times
    Cons
    • Relatively high service fees

    Cinch Home Services has three plan options: an appliances plan (starting at $27.99, $36.32 or $39.99 per month), a systems plan (starting at $54.99, $63.32 or $66.99 per month) and the Complete Home plan (starting at $77.99, $86.32 or $89.99 per month), which includes the coverage from the other two plans.

    Service call fees are $100, $125 or $150 — choosing a lower deductible increases the plan’s cost. Each plan includes a water sensor to detect leaks.

    Add-ons and discounts

    • Optional add-ons:
      • Septic tank and pumping: $4.58
      • Well pump: $12.50
      • Premier upgrade package: $12.50
      • Pool and spa (heater included): $22
    • Discounts: First month free in some cases
    “I've been with Cinch for about 10 years now and during this period, I've used their services for various home repairs like garbage disposal, dishwasher, ice maker, air conditioning unit, and maybe even the dryer. Overall, my experience has been positive with no major issues.”
    Lassaundra Jackson, TN
    “I've been with Cinch Home Services for over two decades, right from when I purchased my home 22 years ago. … I have called on them numerous times, and overall, the experience has been positive. Their technicians are excellent; just recently, after detecting an issue, they promptly addressed it to my satisfaction.”
    Stephen Murfreesboro, TN
    “Our most recent claim was for the broken dishwasher. The tech replaced that. It was a quick service and there was not a lot of bumps. We've had other companies and it was like pulling teeth.”
    Shelagh Clarksville, TN
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best value

    American Home Shield

    American Home Shield
    3.7
    109,253 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield earns our best value ranking for its reputation as a cost-effective option. Coverage limits are higher than many competitors, so you’re left paying less for big-ticket repairs. We also like that plans cover rust, corrosion and sediment damage.

    Tennessee customers report mostly reliable and prompt service with helpful technicians and peace of mind from coverage, though some mention occasional delays or poor communication.

    What to consider: AHS has fewer add-on options than most home warranty companies, so it’s harder to customize your plan.

    Pros
    • Easy claims process
    • High coverage limits
    • Covers rust, corrosion and sediment damage
    • Cancel at any time
    Cons
    • Occasional service delays
    • Relatively high service fees

    Base plans from AHS start at $29.99 a month. You can choose a $100 or $125 deductible, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($29.99 or $39.99): Covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($49.99 or $59.99): Covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • SheldPlatinum ($79.99 or $89.99): The most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties
    “My hot water heater was leaking. It was a very old unit, about 20 years old … it would have been 2,500. But our out-of-pocket expenses ended up being only 500. We saved about two grand and American Home Shield didn't give us any pushback. It was a very seamless process and their price is extremely fair.”
    Justin Clarksville, TN
    “Reaching out to American Home Shield through their app was straightforward, and they kept in touch throughout the process. Once I contacted them about the air conditioning problem, their responsiveness was impressive, with a service technician arriving the same day. The technician resolved the problem promptly without needing any additional parts. This made the whole process seamless and efficient.”
    Lashundra Memphis, TN
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Best technicians

    Choice Home Warranty

    Choice Home Warranty
    4.0
    73,317 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty has built its reputation on rapid response times and efficient service coordination. For Tennessee homeowners dealing with sudden breakdowns, especially in winter or during spring thaws, speed is a crucial factor.

    Tennessee customers highlight fast response times, professional and knowledgeable technicians, and cost savings on repairs or replacements.

    What to consider: Choice doesn’t give you the option of an appliances-only or systems-only plan.

    Pros
    • Optional roof leak coverage
    • No transfer fee
    • 24/7 customer service
    Cons
    • $500 roof repair cap
    “I was very pleased with my Water Heater Replacement it was installed within 4 days of my reporting it to Choice Warranty. The installers were very professional and answered any questions I had.”
    Linda Atoka, TN
    “I called and reported a leak in my roof. This is the first time I have filed a claim. I was assigned a claim number right away. Within hours I received an email stating a technician would be out 4 days later to look at my problem. I was pleased with how quickly things were expedited.”
    Nancy Knoxville, TN

    Basic plans start at $49.17 per month and Total plans start at $57.50 per month. Both have a flat $100 service fee. Contracts last one year — expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract with no penalty.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month
    Best home warranty companies by city

    Home Warranties in Tennessee Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Regency Total Warranty logo
    First American Home Warranty logo
    Cinch Home Services logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      Tennessee homeowners often face AC breakdowns in summer, storm-related electrical problems and plumbing issues in older homes. A home warranty can save you money on repairs when these systems or appliances break down. Let’s go through how to find the best plan for your needs.

      Key insights

      Tennessee home warranty plans cost $35 to $90 per month on average, though your rate depends on the coverage level, your service fee and any add-ons.

      Jump to insight

      In Tennessee, focus on air conditioning and electrical coverage to handle heat and storms.

      Jump to insight

      Tennessee has few home warranty regulations.

      Jump to insight

      How much does a home warranty cost in Tennessee?

      Home warranty pricing in Tennessee generally falls between $35 and $90 per month, based on rates from our recommended providers. This range is similar to the national average for home warranty costs, but your actual price will depend on the scope of your plan and which add-ons you select.

      Cost range by home warranty provider

      ProviderMonthly premium rangeService call fee
      Regency Total Warranty$44.99 to $49.99$60 to $100
      First American Home Warranty$42 to $82$100 or $125
      Cinch Home Services$38.99 to $66.99$100, $125 or $150
      American Home Shield$29.99 to $89.99$100 or $125
      Choice Home Warranty$46.83 to $54.75$100

      Monthly or annual premiums

      Most home warranty companies in Tennessee offer both monthly and annual payment options. Monthly plans can help you spread out costs, while paying annually may unlock discounts or special offers. The total amount you pay is determined by your chosen provider and level of protection.

      Service call fees

      When you file a claim, you’ll pay a service call fee each time a technician visits your home to assess or repair a covered item. These fees usually fall between $50 and $150 depending on your plan and provider.

      Add-on coverage

      You can customize your home warranty with add-ons, such as pool or sump pump coverage. Add-on costs typically range from $2 to $25 per month for each item, so you can pick extra protection that fits your home’s needs.

      Other home warranty cost factors

      Your home warranty premium can be affected by several elements:

      • Home size and type: Larger homes or properties with more systems may require broader coverage, increasing your premium. Condos or smaller homes often see lower rates.
      • Level of coverage: Budget-friendly plans cover fewer items, while comprehensive combo plans are more expensive.
      • Location: Labor and repair costs can differ across Tennessee regions.
      • Discounts: Many companies provide savings for annual payments or multi-year commitments, which can lower your total cost.

      Example: total annual home warranty costs

      • Appliance coverage ($30 per month): $360 per year
      • Three add-ons ($15 per month): $180 per year
      • Two claims ($125 service fee): $250
      • Total: $790 per year

      How to choose a home warranty in Tennessee

      To choose a home warranty in Tennessee, start by researching the reputations of local home warranty companies. Narrow your list of companies to those with positive reviews and a strong track record of successful repairs.

      Look for plans that cover the systems and appliances you’re most concerned about.

      Next, request free quotes to compare pricing and coverages. Quotes can generally be completed online or over the phone. It’s easier to compare plans line by line from your computer, but a phone consultation gives you the opportunity to get answers from a live person.

      Tennessee's Department of Commerce & Insurance (TDCI) has a helpful list of questions to ask your home warranty company.

      What does a Tennessee home warranty cover?

      Home warranty plans in Tennessee are typically available as appliance-only, systems-only or combination (combo) plans.

      • Appliance plans usually protect major kitchen and laundry appliances, such as refrigerators, ovens, dishwashers and washers and dryers.
      • Systems plans cover key household systems, including heating, electrical, water heaters and plumbing — crucial for protecting against frequent Tennessee weather events.
      • Combo plans combine both systems and appliances for the broadest protection.

      Many providers allow you to tailor coverage with add-ons. Popular add-ons are roof leak repair, well pump, sump pump, septic system and pool or spa equipment. Roof leak coverage is valuable in Tennessee due to heavy rains and storms. Septic system and sump pump add-ons also provide extra protection in rural or flood-prone areas.

      Home warranty regulations in Tennessee

      Tennessee has pretty limited laws regarding home warranties. The Tennessee General Assembly has said that service contracts are not to be construed as insurance and clarified some of the tax implications of service contracts, but there’s not much else that’s specifically relevant in the Tennessee Code for home warranty buyers.

      Despite service contracts not technically being insurance in Tennessee, the Insurance Division of TDCI still offers some resources regarding home warranties, like the list of questions above.

      Home warranties are also called home service contracts.

      You can also file a grievance against a home warranty company on TDCI’s website if you believe a warranty claim was wrongfully denied or if there's another serious issue that you weren’t able to resolve with the company.

      FAQ

      Is a home warranty worth it in Tennessee?

      The value of a home warranty depends on a few factors, including:

      • The warranty’s cost
      • Your financial situation
      • The likelihood of your home needing repairs
      • What the warranty covers

      If you anticipate home repairs in the near future, a home warranty gives you a good chance of avoiding an expensive repair bill. However, you may end up wasting your money if nothing goes wrong in your home or you get the wrong coverage.

      What is a home protection plan?

      A home protection plan is another name for a home warranty, which is more accurately called a home service contract. These plans can cover the cost to repair or replace appliances and systems throughout your home.

      Methodology

      The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Tennessee, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Tennessee but also considered national reviews. We discarded companies with fewer than five in-state reviews. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.

      Bottom line

      So, is a home warranty right for you? It depends on your home's condition and your budget. Weigh the cost of a home warranty against what it covers, then compare the top home warranty companies in your area to find the right coverage for your home.

      Guide sources

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:

      1. Tennessee Department of Revenue, “Sales and Use Tax Notice.” Accessed Sept. 12, 2025.
      2. Tennessee Department of Commerce & Insurance, "TDCI Helps Consumers Avoid Home Warranty Scams." Accessed Sept. 12, 2025.

      Not sure how to choose?

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