Best Home Warranties in Tennessee

We compared 18 companies and chose the top home warranty providers

    • Cinch Home Services
      4.0(11,581)
    • Old Republic Home Protection
      4.0(1,606)
    • First American Home Warranty
      4.2(8,625)
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    Written by Amelia York
    +1 more
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    Edited by Vincent Landino

    Best Home Warranties in Tennessee

    Our research team vetted 18 home warranty companies that are rated by more than 884 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 — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

    Our editor’s picks

    Why trust ConsumerAffairs?
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    • We use intelligent software that helps us maintain the integrity of reviews.
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    Our 4 Tennessee home warranty picks

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

    Buyers Choice Award Finalist
    Choice Home Warranty
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83

    Choice Home Warranty has two coverage levels available, so you can choose either a lower price or more comprehensive coverage. The company has a large nationwide network of over 25,000 contractors, and support agents are available 24/7. Claims can be submitted both over the phone and online.

    We’ve compared this company’s plans based on select coverage items below.

    Choice Home Warranty earned our top overall pick for a home warranty company in Tennessee based on its popularity and consistent performance. CHW has both the most overall reviews and the most 5-star reviews in the state, and reviewers often provide significant praise for the company.

    Judith from Dandridge wrote, “I am very happy with the service I received with my garage door, the reply was fast and the service top of the line. … Choice Home did a fantastic job in getting my problem fixed.”

    “I was at work but, the technician called me and kept me abreast of the issue,” wrote Brenda from Memphis. “I was made aware of the problem, the repair needed and he even sent me a picture of the completed repair. He was really professional and thorough and I also loved the fact that he didn't leave a mess behind like most repair technicians.”

    Occasional customer complaints include issues with billing, such as being charged more than the quoted amount or not receiving refunds.

    2024 Buyers Choice Award Winner
    American Home Shield
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99

    American Home Shield offers three levels of home warranty coverage, covering up to 24 appliances and systems. Add-on coverage is available, and AHS covers older items and items with spotty maintenance history, which are often excluded by some other home warranties.

    We’ve compared this company’s plans based on select coverage items below.

    While American Home Shield didn’t have enough total reviews to claim our top overall pick, its ratio of 5-star to 1-star reviews was the highest of our top picks. (The only home warranty companies with higher ratios in Tennessee had single-digit review totals, making anomalies likely.) Tennesseans also had plenty of compliments for the technicians AHS sent out.

    Vernon from Crossville reported, “Everything went smoothly. There were no issues whatsoever. They took care of everything that needed to be done. Jacob, the tech who came, was very polite and knew exactly what the issue was. He got the part ordered for me and got it installed.”

    “Mills Electric Service was very helpful when they came out for an electrical claim,” wrote Rick from Knoxville. “They were very friendly and prompt. A couple of our outlets weren’t working correctly and they did a really good job. AHS is a really good service to have.”

    Bretta from Memphis didn’t have a great experience with the assigned techs: “I placed a service request for my upstairs air conditioner. The contractor that they sent out fixed the downstairs one instead. Actually, they replaced the downstairs one. … When I asked AHS to get the contractors to at least come back out and look at the upstairs unit without charging another service fee, they refused. When I asked to speak to a manager, they would not allow it.”

    5x Award Winner
    Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price
    Our pick for low service fees
    Select Home Warranty
    Plans available
    3
    Service fees
    $60 or $75
    Starting costs
    $60.42

    Select Home Warranty offers warranty coverage to customers across the country, with three levels of coverage to choose from. Add-ons are available to customize the coverage to your home. You can report claims 24/7, and there’s no limit to your number of covered repairs.

    We’ve compared this company’s plans based on select coverage items below.

    Select Home Warranty has very good reviews in Tennessee, and reviewers frequently mention receiving discounts on their plans. The prices in this guide don’t include these temporary promotions, but it’s worth seeing what savings are available once you’re shopping for a home warranty.

    “We are so impressed that we purchased the 3-year plan that came with a discount that we appreciated and definitely needed,” wrote Leo and Lavone from Cordova.

    Christopher from Parsons preferred Select to his old warranty provider: “I saved a great deal of money over the home warranty company I was previously with. Even the service call fee is less than what I had. I only wish I had chosen Select Home Warranty years ago. Thank you for helping an old veteran. I really appreciate it.”

    A few customers have mentioned poor service, denial of claims and delays in getting repairs done, with some waiting weeks for a technician to come out.

    2024 Buyers Choice Award Winner
    ARW Home
    Plans available
    3
    Service fees
    $100
    Starting costs
    $49.99

    ARW Home offers multiple coverage options. Specialty plans are available for things like electronics, and you can combine plans with the company’s bundle options. Its prices are also published on its website and consistent across all locations.

    We’ve compared this company’s plans based on select coverage items below.

    ARW Home has strong reviews in Tennessee. Volunteer State residents liked the company’s customer service in particular.

    Lori from Speedwell reported, “Call was short, but Arthur was pleasant to speak with, he saw the issue I had called about, told me he would call me back after he looked into the issue.” She said, “He did just that, called me back in less than 5 minutes, resolved my issue. He was very helpful and a pleasure to speak with.”

    “The customer service lady I worked with was knowledgeable and thorough,” wrote Beverly from Kingsport. “She even followed up and on call days later! They are consistent with their promises of services as well. The prices are competitive and the emergency line answered quickly too. I would greatly recommend their service and will continue to use them thru many years. Thank you for your assistance on my call.”

    Some customers have expressed frustration due to upfront payment requirements for estimates and the lack of refund processing.

    1x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service

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      Home Warranties in Tennessee Buyers guide

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      Top Picks

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        Deciding between home warranty companies in Tennessee

        The key to deciding between home warranty companies in Tennessee is comparing their plans, prices and reviews in your area. There are plenty of home warranty companies operating in Tennessee, so it may take a bit of research to find the right company for your home and budget.

        A good first step is 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.

        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.

        Tennessee home warranty FAQ

        How much does a home warranty cost in Tennessee?

        Home warranties in Tennessee average between $30 and $70 per month from our top picks. Providers often offer the option to pay monthly or annually, and discounts are commonly available.

        Is a home warranty worth it in Tennessee?

        The value of a home warranty value 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 are both more accurately called home service contracts. These plans can cover the cost to repair or replace appliances and systems throughout your home.

        Methodology

        ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

        To choose the top home warranty companies in Tennessee, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Tennessee. We then weighted several key features to get our final rankings:

        • 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.

        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 Oct. 18, 2024.
        2. Tennessee Department of Commerce & Insurance, "TDCI Helps Consumers Avoid Home Warranty Scams." Accessed Oct. 18, 2024.

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