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.
Elite Home Warranty
Regency Total Home Warranty
Select Home Warranty
Top Home Warranty Providers in Tennessee
Below is a list of the top 10 home warranty providers in Tennessee:
Elite Home Warranty
- Award Winning Home Warranty Provider.
- Zero Commitment, Cancel Anytime.
- 24/7 U.S. Based Claims Support Team.
- Industry Top Tier Coverage Limits.
$200 OFF and 1 Month Free. 30-Day Free-Trial.
(888) 894-6151
Premium $59.99 - $69.99
Deductible $70.00 - $130.00
Total Coverage Benefits $25,000 Contractual Limit
Why We Chose Elite Home Warranty?
Elite Home Warranty distinguishes itself through a rare combination of flexibility, service speed, and high-value protection. Homeowners can customize plans to cover only what they need, without paying for unnecessary extras. With one of the fastest claims turnaround times in the industry and consistent customer satisfaction ratings, Elite is a trusted provider for those seeking hassle free, transparent coverage that truly delivers.
Pros :
- Award Winning Home Warranty Provider.
- Zero Commitment, Cancel Anytime.
- 24/7 U.S. Based Claims Support Team.
- Industry Top Tier Coverage Limits.
Where Services Are Available?
Available in 48 States. Coverage is not currently available in California and Wisconsin.
Regency Total Home Warranty
- Comprehensive Coverage.
- Unlimited Service Calls.
- Clear, Simple Terms.
$300 OFF and 2 Months Free + Free Roof Coverage
(844) 240-8369
Premium $54.99 - $64.99
Deductible $60.00 - $100.00
Total Coverage Benefits $15,000 Contractual Limit
Why We Chose Regency Total Home Warranty?
Regency Total Warranty offers comprehensive protection for major systems, without the fine print headaches. Homeowners benefit from unlimited service requests, which is especially useful in older homes or for families with frequent repair needs. Their straightforward service terms make it easy to understand what’s covered and what’s not, offering peace of mind and reliable service with every claim.
Pros :
- Comprehensive Coverage.
- Unlimited Service Calls.
- Clear, Simple Terms.
Where Services Are Available?
Available in 50 States.
Select Home Warranty
- Affordable Plans.
- Free Roof Coverage.
- 24/7 Claims Support.
$150 OFF and 2 Months Free + Free Roof Coverage
(888) 539-7220
Premium $54.99 - $64.99
Deductible $60.00 - $125.00
Total Coverage Benefits $11,000 Contractual Limit
Why We Chose Select Home Warranty?
Select Home Warranty offers homeowners reliable protection at a competitive price point. Their inclusion of roof leak coverage at no extra charge adds significant value, especially for budget conscious consumers. With nationwide availability and round the clock support, Select ensures homeowners get help when they need it most, making it a smart choice for basic, dependable coverage.
Pros :
- Affordable Plans.
- Free Roof Coverage.
- 24/7 Claims Support.
Where Services Are Available?
Available in 47 States. Coverage is not currently available in Nevada, Washington and Wisconsin.
Mike Holmes Protection
- Holmes Endorsed Standards.
- Certified Service Providers.
- Quality Focused Coverage Plans.
$250 OFF and 1 Month Free + Free Roof Coverage
866-408-9898
Premium $69.99 - $79.99
Deductible $60.00 - $85.00
Total Coverage Benefits $25,000 Contractual Limit
Why We Chose Mike Holmes Protection?
Mike Holmes Protection carries the reputation of one of the most respected figures in home construction. The plans reflect his commitment to quality and safety, ensuring all repairs are completed by licensed, vetted professionals. Homeowners looking for accountability, contractor grade repairs, and long-term home integrity will appreciate the brand’s rigorous standards and service approach.
Pros :
- Holmes Endorsed Standards.
- Certified Service Providers.
- Quality Focused Coverage Plans.
Where Services Are Available?
Available in 43 States. Coverage is not currently available in California, Connecticut, Massachusetts, New York, Virginia, Washington and Wisconsin.
Liberty Home Guard
- 40+ Add On Options.
- Fast Claims Response.
- Covers Premium Items.
- User Friendly Portal.
$200 OFF and 2 Months Free + Free Roof Coverage
855-681-9724
Premium $54.99 - $69.99
Deductible $85.00 - $150.00
Total Coverage Benefits $15,000 Contractual Limit
Why We Chose Liberty Home Guard?
Liberty Home Guard is perfect for homeowners who want control over their protection. With extensive optional coverages, from sump pumps to electronics, customers can build plans that fit their exact needs. Paired with fast service and high approval rates, Liberty offers one of the most customizable and dependable policies in the industry.
Pros :
- 40+ Add On Options.
- Fast Claims Response.
- Covers Premium Items.
- User Friendly Portal.
Where Services Are Available?
Available in 50 States.
America’s First Choice
- 3 Year Repair Guarantee.
- Choose Your Technician.
- Covers Older Items.
$250 OFF and Free Roof Coverage
866-203-8901
Premium $54.99 - $69.99
Deductible $75.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose America’s First Choice?
America’s First Choice Home Club gives homeowners more control, offering the rare ability to hire their own technician for repairs. Their repair guarantee, lasting up to three years, is unmatched in the industry. With solid protection for aging appliances and systems, AFC Home Club is ideal for homeowners who value service flexibility, extended reliability, and contractor choice.
Pros :
- 3 Year Repair Guarantee.
- Choose Your Technician.
- Covers Older Items.
Where Services Are Available?
Available in 50 States.
American Home Shield (AHS)
- Pre Existing Coverage.
- Customizable Plans.
- Large Contractor Network.
$100 OFF and Free Roof Coverage
Premium $54.99 - $89.99
Deductible $75.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose American Home Shield (AHS)?
American Home Shield is a legacy provider with over 50 years of experience. It’s one of the few companies that covers undetected pre existing conditions and wear and tear breakdowns, which are often excluded elsewhere. Their wide contractor base and plan flexibility make AHS a strong choice for homeowners who want comprehensive protection with minimal restrictions.
Pros :
- Pre Existing Coverage.
- Customizable Plans.
- Large Contractor Network.
Where Services Are Available?
Available in 48 States. Coverage is not currently available in Alaska and Hawaii.
ARW Home – American Residential Warranty
- Month to Month Plans.
- Smart Tech Add Ons.
- U.S. Based Support.
$100 OFF and 2 Months Free
Premium $54.99 - $64.99
Deductible $100.00 - $125.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose ARW Home – American Residential Warranty?
American Residential Warranty offers flexibility without sacrificing coverage. Their no contract plans and optional bundles, like smart home or electronics protection, are ideal for tech savvy homeowners. With domestic customer support and easy plan management, they provide modern solutions for homeowners seeking simplicity and versatility.
Pros :
- Month to Month Plans.
- Smart Tech Add Ons.
- U.S. Based Support.
Where Services Are Available?
Available in 50 States.
First American Home Warranty
- Fast Appliance Repairs.
- Easy Claims Process.
- Realtor Recommended.
Flexible Payment Options
Premium $54.99 - $64.99
Deductible $85.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose First American Home Warranty?
First American is a longtime favorite among homebuyers and real estate professionals. Their appliance repair and replacement process is efficient and customer friendly. With competitive pricing and strong industry partnerships, they’re well suited for new homeowners or anyone needing straightforward, no fuss protection.
Pros :
- Fast Appliance Repairs.
- Easy Claims Process.
- Realtor Recommended.
Where Services Are Available?
Available in 35 States. Coverage is not currently available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New York, North Dakota, Rhode Island, Vermont and Wisconsin.
Cinch Home Services
- 180 Day Repair Guarantee.
- Appliance Credit Perks.
- Digital Claim Tools.
Free Water Sensor and 2 Months Free
Premium $54.99 - $64.99
Deductible $75.00 - $150.00
Total Coverage Benefits $10,000 Contractual Limit
Why We Chose Cinch Home Services?
Cinch Home Services brings reliability and ease to home protection. Their extended workmanship guarantee covers repairs for up to six months, while digital tools streamline every step of the process, from submitting a claim to tracking technician visits. It’s a perfect choice for busy homeowners who prioritize efficiency and long term coverage quality.
Pros :
- 180 Day Repair Guarantee.
- Appliance Credit Perks.
- Digital Claim Tools.
Where Services Are Available?
Available in 48 States. Coverage is not currently available in Alaska and Hawaii.
Elite Home Warranty Named 2025’s Best Home Warranty Company Nationwide
HomeWarrantyCompanies.com, a trusted resource for comparing top-rated home warranty providers, publishes its annual rankings based on consumer satisfaction, service quality, and expert evaluation. After reviewing more than 25 leading providers, Elite Home Warranty was recognized as the #1 Home Warranty Company Nationwide for 2025. This honor reflects Elite’s proven commitment to delivering reliable coverage, outstanding service, and a customer-first experience. When it comes to protecting your home, Elite continues to set the standard.
Why Thousands of Homeowners Choose Elite Home Warranty?
Elite Home Warranty is not just another option, it’s a smarter choice backed by real results. Here’s what sets Elite apart:
- Top Rated Customer Satisfaction: 4.9/5 stars across trusted platforms including BBB, Consumera, Google, and more.
- Affordable Pricing: Competitive rates without hidden fees, inflated premiums, or misleading terms.
- Fast Claims Processing: 90% of claims are reviewed and processed within 72 hours, with real time updates.
- Best in Class Coverage You Can Count On: Industry leading coverage benefits and high payout limits, built to actually work when you need them.
- Award Winning Support Team: U.S.-based customer service and claims concierge care available 7 days a week for fast, friendly assistance.
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.
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.