Best Home Warranties in Tennessee

We compared 18 companies and chose the top home warranty providers

    • American Home Shield
      4.1(101,727)
    • First American Home Warranty
      4.2(8,410)
    • First Premier Home Warranty
      4.1(423)

    Quick and easy. Find a home warranty partner now.

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      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.

      Why trust ConsumerAffairs?
      • Our recommendations are based on what reviewers say.
      • 4,464,628 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.

      Key Insights

      • Our top picks include Choice Home Warranty, American Home Shield, Select Home Warranty and American Residential Warranty.
      • To find the best home warranty in Tennessee for you, compare plans and providers to see which offers the most coverage for the least money.
      • A home warranty in Tennessee typically costs $30 to $70 per month without discounts or promotions.

      Our 4 Tennessee home warranty picks

      Here are our favorite home warranty companies in Tennessee, based on local reviews:

      Methodology

      To select our top picks, we started with the home warranty companies available in Tennessee on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Tennessee, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

      Buyer's Choice Award Finalist
      Choice Home Warranty
      • Number of plans: 2
      • Contract length: 1 year
      • Service fee range: $85

      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.

      Basic planTotal plan
      Monthly premium cost*$50.46$59.02
      Service call fee*$85$85
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigeratorAdd-onAdd-on
      Septic pumpAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-on
      Well pumpAdd-onAdd-on
      Basic plan$50.46$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Total plan$59.02$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

      *For a home in the Nashville area at the time of publishing

      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.”

      Buyer's Choice Award Winner
      American Home Shield
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: $75, $100 or $125

      American Home Shield offers three levels of home warranty coverage, covering up to 23 appliances and systems. Add-on coverage is available, too. AHS even covers older items and items with a spotty maintenance history that are excluded by some other home warranties.

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

      ShieldSilverShieldGoldShieldPlatinum
      Monthly premium cost*$29.99$39.99$59.99
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-on
      ShieldSilver$29.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldGold$39.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldPlatinum$59.99$75, $100 or $125Add-onAdd-onAdd-on

      *For a home in the Nashville area at the time of publishing

      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.”

      Our pick for low service fees Select Home Warranty
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: Typically $60 to $75

      Select Home Warranty offers warranty coverage to customers across the country and three levels of coverage to choose from. Add-ons are available to customize the coverage to your home. Claims can be reported 24/7, and there is no limit to your number of covered repairs.

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

      Bronze CareGold CarePlatinum Care
      Monthly premium cost*$60.42$60.42$65.83
      Service call fee*Typically $60 to $75Typically $60 to $75Typically $60 to $75
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-on
      Bronze Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Care$65.83Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on

      *For a home in the Nashville area at the time of publishing

      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.”

      Buyer's Choice Award Winner
      ARW Home
      • Number of plans: 4
      • Contract length: Month to month
      • Service fee range: Varies

      American Residential Warranty 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 home warranty plans based on select coverage items below.

      Kitchen plusHeating & coolingPlatinumPlatinum premier
      Monthly premium cost*$34.99$39.99$49.99$59.99
      Service call fee*VariesVariesVariesVaries
      Built-in microwavesAdd-on
      Clothes dryersAdd-onAdd-onAdd-onAdd-on
      Clothes washersAdd-onAdd-onAdd-onAdd-on
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      PlumbingAdd-onAdd-onAdd-on
      Water heatersAdd-on
      PoolsAdd-onAdd-onAdd-onAdd-on
      Roof leak repairs
      Second refrigeratorAdd-onAdd-onAdd-onAdd-on
      Septic pump
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-onAdd-on
      Kitchen plus$34.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Heating & cooling$39.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Platinum$49.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Platinum premier$59.99VariesAdd-onAdd-onAdd-onAdd-onAdd-on

      *At the time of publishing

      American Residential Warranty has strong reviews in Tennessee. Volunteer State residents liked the company’s customer service in particular.

      Lori from Speedwell reported that her “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. 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.”

      Compare Top Tennessee Home Warranty Companies

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        Deciding between home warranty companies in Tennessee

        nashville tennessee skyline

        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 down to those with thoroughly positive reviews and a strong track record of successful repairs.

        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.

        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 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.

        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. To learn more about the content on our site, visit our FAQ page .
        1. Tennessee General Assembly, “ Tenn. Code Ann. § 56-2-126 .” Accessed January 13, 2022.
        2. Tennessee Department of Revenue, “ Sales and Use Tax Notice .” Accessed January 13, 2022.
        3. Tennessee Department of Commerce & Insurance (TDCI), " TDCI Helps Consumers Avoid Home Warranty Scams ." Accessed December 28, 2021.

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