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Home Warranty in Tennessee: Comprehensive Guide for 2025

This comprehensive guide is designed to help Tennessee homeowners make smart decisions about home protection. If you are researching the best home warranty companies in Tennessee, you have come to the right place. This guide explains every aspect of home warranty plans in Tennessee. 

It also draws comparisons to the challenges seen in regions like Tennessee . The state faces its own weather extremes, yet many maintenance challenges are similar to those in Tennessee. Home systems in both states can suffer from temperature swings and seasonal wear. This guide covers the top providers, financial aspects, and regulatory oversight to ensure you are well-informed.

Top Home Warranty Providers in Tennessee

Below is a list of the top 10 home warranty providers in Tennessee:

OUR #1 PICK

Elite Home Warranty

  • Premium
    -
    $44.99 - $59.99
  • Deductible
    -
    $0 & $70
  • Appliances limit
    -
    $7,000
Call Now
Offers
$150 Off + 1 Month Free. 30 Day Free Trial!
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48
States Covered
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Accredited Business
BBB Rating
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$15,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Elite Home Warranty provides a broad range of protection. Their plans cover major home systems and key appliances. They offer customizable options. The plans are designed with Tennessee’s weather challenges in mind.
  • Price: Their pricing is competitive. Plans are affordable. Costs vary by coverage level.
  • Service Fee: A modest service fee applies to each claim. This fee is designed to keep costs low.

Why We Picked Elite Home Warranty

We chose Elite Home Warranty because it offers reliable and flexible coverage. Its plans are built to handle sudden repair needs. Its policies focus on clear terms and speedy service. These policies protect against unexpected repair bills, which is crucial in Tennessee, where sudden storms and seasonal shifts can lead to damage.

In addition, Elite Home Warranty has a strong reputation. They are known for excellent customer support, and their network of trusted technicians ensures repairs are handled efficiently. 

Their detailed coverage and transparent pricing build trust. Homeowners receive comprehensive protection, making Elite Home Warranty our top pick for Tennessee.

Excellent Services

Home Warranty of America

  • Premium
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    $275 - $695
  • Deductible
    -
    $75 - $100
  • Appliances limit
    -
    $400
Offers
$150 Off + 1 Month Free*
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
  • Price: Monthly plans range from $44 to $60, depending on coverage level.
  • Service Fee: Typically between $75 and $125 per service call.

Why We Picked Home Warranty of America

Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons. 

Comprehensive Coverage

The Home Service Club

  • Premium
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    $51.25 - $62.50
  • Deductible
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    $65,$95,$125
  • Appliances limit
    -
    $800
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: The Home Service Club provides comprehensive plans covering major systems and appliances. These plans also include preventive maintenance options.
  • Price: Their plans are competitively priced.
  • Service Fee: A low service fee applies to service calls.

Why We Picked The Home Service Club

We picked The Home Service Club because of their innovative approach. Their inclusion of preventive care sets them apart. They help homeowners avoid costly repairs. Their plans are built to meet the needs of Tennessee residents who face seasonal challenges.

Their service is highly rated. They offer thorough assessments and proactive support. Their transparent pricing and reliable repairs build confidence. This dedication to preventing issues makes them a standout provider.

Nationwide Coverage

Regency Total Home Warranty

  • Premium
    -
    $39.99 - $58.90
  • Deductible
    -
    N/A
  • Appliances limit
    -
    N/A
Call Now
Offers
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Regency Total Home Warranty protects vital home systems and appliances. Its plans can be adjusted for extra coverage and offer flexible options.
  • Price: Their pricing is structured to meet different budgets.
  • Service Fee: A competitive fee is charged per service visit.

Why We Picked Regency Total Home Warranty

We selected Regency Total Home Warranty due to its flexible plans. These plans offer protection that suits a wide range of homes, cover essential systems, and allow for upgrades. This is important in Tennessee, where weather can stress home components.

Their customer support stands out. They communicate clearly about coverage and fees. They offer timely responses when repairs are needed. This consistent service makes them a strong candidate for homeowners.

Best Customer Support

Liberty Home Guard

  • Premium
    -
    $50 - $60
  • Deductible
    -
    $90
  • Appliances limit
    -
    $2000
Call Now
Offers
$200 Off + 2 Months Free + Free Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$2K/Item
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Appliance Guard, Systems Guard, and Total Home Guard—covering various home components.
  • Price: Plans start at $49.99 per month.
  • Service Fee: Approximately $90.

Why We Picked Liberty Home Guard

Liberty Home Guard is recognized for its commitment to customer service and providing a hassle-free claims process. Their wide range of coverage options ensures that homeowners can protect essential systems and appliances effectively. Liberty’s strong reputation for reliability and quality repairs makes it an excellent choice for those looking for a provider with proven expertise.

American Home Shield (AHS)

  • Premium
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    $29 - $79
  • Deductible
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    $100 & $125
  • Appliances limit
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    $6000
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48
States Covered
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Accredited Business
BBB Rating
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5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: American Home Shield (AHS) provides wide-ranging protection. They cover almost all home systems and appliances. Their plans are comprehensive.
  • Price: They offer competitive pricing for various needs.
  • Service Fee: A standard service fee is applied per claim.

Why We Picked American Home Shield (AHS)

We selected AHS because it has a long history of reliable service. Its plans are flexible and cover a broad array of systems. They are designed to help homeowners manage unexpected repair costs, and their coverage is comprehensive.

AHS is known for responsive customer service. They process claims quickly and fairly. Their clear terms and reliable network are appealing. This dependable service makes them a strong option for Tennessee homeowners.

BBB ACCREDITED

America’s First Choice

  • Premium
    -
    $33 - $56
  • Deductible
    -
    $75 - $125
  • Appliances limit
    -
    N/A
Call Now
Offers
$250 Off + Free Roof Leak Coverage
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50
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: America’s First Choice offers extensive protection plans. They cover most major home systems. Their policies include appliance coverage options.
  • Price: Their plans are priced competitively. They provide good value for the cost.
  • Service Fee: A reasonable fee is applied per repair.

Why We Picked America’s First Choice

We picked America’s First Choice because they offer comprehensive coverage. Their plans are detailed and precise. They have designed their packages to meet the needs of many Tennessee homeowners. Their coverage helps in avoiding high repair costs.

The company has a record of reliable service. They are known for a fast claims process. Their policies are straightforward. Homeowners enjoy the protection and clarity they offer. This reliability is essential when facing sudden repair needs.

BEST RATED BY U.S. NEWS

ARW Home – American Residential Warranty

  • Premium
    -
    $45 - $84
  • Deductible
    -
    $125
  • Appliances limit
    -
    N/A
Offers
2 Months FREE* on All Plans
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50
States Covered
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Not Accredited
BBB Rating
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$1K
Coverage Limits

Plans, Cost & Coverage

  • Coverage: ARW Home Warranty offers plans that cover significant systems and selected appliances. Their policies are customizable, and they address many repair needs.
  • Price: They offer competitive and affordable pricing.
  • Service Fee: A low service fee is charged for each claim.

Why We Picked ARW Home – American Residential Warranty

We chose ARW Home Warranty because it blends affordability with strong coverage. Its plans are clear and cover essential repairs. It is well suited for the unpredictable weather in Tennessee, and the policies help reduce repair stress.

Additionally, ARW Home Warranty is known for quick service. Their network of technicians is reliable. They make the claims process smooth and understandable. This commitment to quality service makes them a favorite among homeowners.

First American Home Warranty

  • Premium
    -
    $336 - $534+
  • Deductible
    -
    $85
  • Appliances limit
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    $3,500
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35
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: First American Home Warranty covers key home systems and appliances. It provides extended options for extra security and has robust plans.
  • Price: They offer cost-effective plans that are easy to understand.
  • Service Fee: A nominal fee is charged per service call.

Why We Picked First American Home Warranty

We chose First American Home Warranty because its coverage is straightforward. Its policies are easy to follow and offer solid protection. It understands the challenges of sudden repairs in Tennessee homes, and its plans help homeowners avoid unexpected expenses.

Their customer service is efficient and courteous. They make claims processing simple. Their approach to transparency and value gives homeowners confidence. This dedication to protecting home investments makes them an excellent choice.

Cinch Home Services

  • Premium
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    $27.99 ,$32.99,$39.99
  • Deductible
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    $100, $125, $150
  • Appliances limit
    -
    $2,000
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48
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Cinch Home Services offers complete protection. It covers primary home systems and appliances, and its plans include additional seasonal benefits.
  • Price: They provide competitive pricing that appeals to many homeowners.
  • Service Fee: A reasonable fee is applied on each service visit.

Why We Picked Cinch Home Services

We picked Cinch Home Services because they deliver consistent and precise coverage. Their plans are designed to address frequent repair needs. They understand that Tennessee homes face sudden weather challenges, and their policies help reduce unexpected expenses.

In addition, Cinch Home Services is known for its quick and efficient responses. They work with certified technicians. Their customer service is prompt and reliable. Homeowners can trust their straightforward approach and transparent fees. This makes Cinch Home Services a dependable option for home protection.

2-10 Home Buyers Warranty

  • Premium
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    $19,$51,$60
  • Deductible
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    $85 - $100
  • Appliances limit
    -
    $2,000
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44
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: 2-10 Home Buyers Warranty focuses on protecting essential systems. It covers both structural and mechanical parts, and its plans can be customized.
  • Price: Their pricing is accessible. They offer a good balance between cost and coverage.
  • Service Fee: They charge a fair fee per repair call.

Why We Picked 2-10 Home Buyers Warranty

We selected 2-10 Home Buyers Warranty because it provides clear and focused coverage. Its plans protect against major repair costs, which is vital for Tennessee homeowners who face seasonal shifts and unexpected breakdowns. Its approach is straightforward and consumer-friendly.

The company is known for its reliability. It offers prompt service and maintains transparency in its policies. Its detailed explanations and honest pricing build trust. This reliability in the face of emergencies makes it a top choice.

Is A Home Warranty Right for You?

Deciding on a home warranty is a critical step for many homeowners in Tennessee. Your home is a significant investment; you must protect it from unexpected repair costs. This section explores whether a home warranty fits your needs. Evaluating your home’s age, condition, and maintenance habits is essential. 

Tennessee homes often face sudden weather shifts, which can damage essential systems. The homes in the state deal with harsh winters and freeze-thaw cycles. Similarly, Tennessee experiences humid summers and occasional severe storms. Both regions see rapid wear on mechanical systems and appliances.

Understanding Home Warranty Coverage

A home warranty covers repairs or replacements due to normal wear. It is not an insurance policy. The warranty focuses on systems like HVAC, plumbing, and electrical. These protections are vital in Tennessee, where weather extremes can lead to sudden breakdowns. Read the details of each plan carefully. Compare what is covered versus what is excluded. Understanding your plan prevents surprises. Clear coverage terms help you decide if the warranty fits your needs.

Evaluating Your Home’s Needs and Risks

Assess the age and condition of your home systems. Consider if your appliances are old. Evaluate the local weather patterns. Tennessee experiences humid summers and rapid temperature changes. This can stress home systems. 

Compare your home’s maintenance history with the warranty coverage options. Consider whether you can afford unexpected repair bills. A home warranty may be the right solution. A warranty plan can provide predictable monthly or yearly costs and give you peace of mind during extreme weather events.

Making an Informed Decision

Gather quotes and read customer reviews. Compare coverage options and service fees. Look for transparency in contract terms. Ask questions about claim processes. Understand how repairs are managed. A thorough evaluation is key. Research will show if a warranty is a valuable investment. 

For many homeowners, the cost is justified by the savings on major repairs. Your decision should be based on careful comparison. The right warranty plan can save you time, money, and stress.

Is A Home Warranty Worth the Cost In Tennessee?

Determining the cost-worth of a home warranty involves detailed evaluation. In Tennessee, sudden weather changes can cause high repair costs. This section explains the financial benefits and covers the convenience of a warranty plan. Homeowners may face unexpected bills from system and appliance breakdowns. A warranty plan helps manage these risks.

Analyzing Financial Impacts

Repair costs can be unpredictable. A single system failure can cost hundreds or thousands of dollars. A home warranty offers a fixed-cost solution. This helps you plan your budget. Compare the annual premium with potential repair bills. 

Consider the cost of replacing HVAC units, plumbing, or electrical systems. In Tennessee, severe storms or heat waves can trigger these issues. A warranty can serve as a safety net. It turns uncertain expenses into manageable payments.

Comparing Premiums with Out-of-Pocket Costs

Examine the total cost of a warranty plan, including both the annual premium and the service fee per claim. Without a warranty, you might pay full price for repairs, but with a warranty, most costs are covered. 

This makes expenses more predictable. Homeowners find comfort in knowing they have financial protection. Even if you rarely file a claim, the warranty fee can be a small price for peace of mind. Compare quotes from different providers. Make sure you understand the terms. This way, you know you are investing in the right level of protection.

Long-Term Benefits and Peace of Mind

A home warranty is not just a short-term fix. It can be a long-term investment in your home’s security. The predictability of costs helps with financial planning. Homeowners feel more secure knowing that professionals handle repairs. 

This reduces stress during emergencies. The warranty also simplifies the repair process. Instead of searching for a reliable contractor, you have a trusted provider on call. The convenience and consistent service justify the expense. Over time, a warranty can protect you from costly, unexpected repairs.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

Who Oversees Home Warranty Companies in Tennessee?

Understanding the oversight of home warranty companies is essential. It ensures fair practices and transparency. In Tennessee, various bodies regulate these companies. This section breaks down the oversight structure.

Regulatory Agencies and Licensing Requirements

State agencies set strict guidelines. They require companies to obtain licenses. These agencies monitor compliance. They conduct regular audits. Licensing ensures that companies follow industry standards. In Tennessee, these rules help protect homeowners. A licensed company is held accountable. You can check a company’s credentials. This builds trust in their services.

Consumer Protection Laws and Enforcement

Tennessee has strong consumer protection laws. These laws secure the rights of homeowners, mandate clear and fair contract terms, and require enforcement agencies to take action against unfair practices. 

Homeowners can file complaints if issues arise. Past cases show that companies are held accountable. This legal framework gives you recourse. It also encourages companies to maintain high standards. A robust system protects your investment and trust.

The Role of Industry Associations

Industry associations work alongside state agencies. They promote best practices among home warranty companies, set standards for service quality, and offer technician training. 

They also mediate disputes between companies and customers. Their involvement improves overall service reliability. Membership in a reputable association can be a sign of quality. Homeowners benefit from this additional layer of oversight. It reinforces the accountability of warranty providers.

Ensuring Transparency and Accountability

Companies must publish precise contract details and disclose service fees and coverage limits. Regular audits and customer reviews maintain transparency. The state enforces penalties for non-compliance. 

This system builds confidence. Homeowners know that there are checks in place, and you have channels for support if issues occur. This accountability is essential for peace of mind. The oversight framework ensures that companies act in their best interests.

Conclusion: Why a Home Warranty is Essential for Tennessee Homeowners

A home warranty in Tennessee is an essential safeguard for your investment. It protects against unexpected repair costs. Tennessee homes face unique weather patterns. Sudden storms and seasonal changes can damage systems. A warranty plan converts unpredictable expenses into steady payments. 

It provides financial security. The right plan also ensures fast repairs and clear service terms. Homeowners can avoid the stress of searching for reliable technicians during emergencies. You invest in long-term peace of mind and protection by choosing a comprehensive home warranty. This guide has shown that a well-chosen warranty plan is a wise investment for every Tennessee homeowner.