We chose Liberty Home Guard (LHG) as the best home warranty for Tennessee residents because of its well-rounded coverage plans and budget-friendly prices. Another solid pick is 2-10 Home Buyers Warranty — it features low service call fees and an add-on that increases coverage limits, should you need more protection.
The Volunteer State has varied climates due to its valleys and towering mountainous regions. We recommend selecting a top home warranty company that offers a wide range of coverage options to protect your appliances from the elements.
Our research involved reviewing 15 national home warranty companies before choosing our top picks for Tennessee:
- Liberty Home Guard
- 2-10 Home Buyers Warranty
- Elite Home Warranty
- American Home Shield
- First American Home Warranty
How do you choose the best Tennessee home warranty?
When shopping for a Tennessee home warranty, consider the major systems and appliances you use the most. If your home items are older, you’ll likely need a protection plan with high coverage limits.
Do you have a strict budget? Some providers offer affordable coverage, although their per-item payouts may be less than those from pricier companies.
We conducted a home warranty survey in November 2023 and reviewed hundreds of customer reviews to determine the main factors to consider when buying a home warranty.
Coverage plans and extra features
First, consider the coverage plan options a home warranty company offers. Ensure that your chosen plan protects the major appliances or systems you need.
Coverage limits
Next, look at the company’s per-item coverage limits. A good rule of thumb is to choose a company that pays out the entire value of an appliance or system. Look elsewhere if its coverage limits are lower than your item’s value.
Price
Verify that the home warranty company’s plan premium, service call fees and any desired additional coverage options aren’t over your budget.
Reputation
Ask friends and family members if they’ve purchased a home warranty from the company you’re considering. Read customer reviews online and keep an eye out for any themes (positive or negative) that appear.
Customer service
Finally, consider the home warranty company’s customer service. Pick a provider that focuses on speedy claims processing.
For Tennessee homeowners, we suggest considering price, coverage plans and extra features, and reputation when shopping for a home warranty, as most companies provide suitable coverage caps for Tennessee homes. Coverage limits and customer service are also worth researching, although the other factors have more weight.
Compare the best Tennessee home warranties
Our team at USA TODAY Homefront ranked 15 national home warranty providers against our in-depth methodology. The table below shows the overall scores we gave each company based on our review standards.
| Provider | Overall Rating (Out of 5 Stars) |
|---|---|
| Liberty Home Guard | 4.6 |
| 2-10 Home Buyers Warranty | 4.5 |
| Elite Home Warranty | 4.4 |
| American Home Shield | 4.4 |
| Cinch Home Services | 4.3 |
The table below compares the plan pricing, system coverage caps and service call fees of the most popular home warranty companies we’ve reviewed.
Best home warranty in Tennessee for price
2-10 Home Buyers Warranty earned a perfect rating of 5 out of 5 stars in our price category because of its affordable pricing structure. Its comprehensive plan costs less than $70 per month. Additionally, it offers three service call fees — the lowest priced at $65 per claim. According to our research, the average service call fee is $99.
Another solid choice is LHG, which scored 4.8 out of 5 stars in our pricing category. It missed a perfect score because it doesn’t feature flexible service fees. When you sign up for an LHG plan, the company assigns you a service fee ranging from $65 to $125.
| Provider | Price Rating (Out of 5 Stars) | Key Info |
|---|---|---|
| 2-10 Home Buyers Warranty | 5.0 | Provides the lowest service call fee option at $65 |
| Liberty Home Guard | 4.8 | Charges under $50 for its entry-level appliance plan |
| Cinch Home Services | 4.5 | Offers flexible service call fees |
| Elite Home Warranty | 4.5 | Plans start at $44 per month |
| American Home Shield | 4.3 | Offers lower monthly premiums with higher service fees |
Home warranty cost in Tennessee
The average home warranty cost in Tennessee is $55 for a monthly plan and $654 for an annual plan. We requested quotes from three ZIP codes in Tennessee using 2,000-square-foot, single-family homes to get these averages.
We also obtained pricing averages from our November 2023 home warranty survey of 1,000 homeowners. Respondents who purchased a monthly plan paid an average of $94 per month, whereas respondents who bought an annual plan paid an average of $1,033.
While the survey results represent “real-world” pricing, they’re national averages, unlike the quotes we obtained for Tennessee. We recommend requesting quotes from one of our recommended providers to see how much you’ll pay to protect your home.
The table below shows which plan premium type respondents reported paying in our home warranty survey. Slightly more than half of homeowners (53%) paid an annual premium rather than monthly.
| Premium Type | Percentage | Count |
|---|---|---|
| Monthly | 47% | 474 |
| Annually | 53% | 526 |
Best home warranty in Tennessee for coverage plans and extra features
American Home Shield (AHS) scored 4.5 out of 5 stars in our rating methodology’s “coverage plans and extra features” category. We like its emphasis on covering a wide range of home items. For example, it covers central vacuum, ductwork, doorbells and heating systems within its entry-level ShieldSilver plan.
AHS’ ShieldPlatinum plan — its comprehensive plan — increases coverage limits and includes a yearly discount on HVAC tune-ups to help reduce the cost of maintaining your important home systems.
We also recommend Elite Home Warranty if you’re looking for robust home warranty coverage. Elite is one of the few companies that allows you to pick the home system and appliance protection you need.
| Provider | Coverage Plans and Extra Features Rating (Out of 5 Stars) | Key Info |
|---|---|---|
| American Home Shield | 4.5 | Covers 20 systems in an entry-level plan |
| Elite Home Warranty | 4.4 | Offers over 20 optional add-ons |
| Liberty Home Guard | 4.2 | Provides up to 42 add-on options |
| 2-10 Home Buyers Warranty | 4.2 | Offers a coverage limit upgrade add-on |
| Cinch Home Services | 4.0 | Covers 16 systems in its entry-level systems plan |
Tennessee-specific coverage needs
Homeownership involves multiple expenses, many of which are repair costs associated with home maintenance. Homeowners reported paying nearly $6,000 annually to maintain their homes, according to our May 2024 home maintenance survey.
Compared to those reported home maintenance costs, a Tennessee home warranty costs significantly less per year on average. That lower annual payment can protect against costly breakdowns, giving you financial peace of mind.
Due to Tennessee’s humid summers, we recommend prioritizing HVAC coverage. The Nashville area sees 90-degree Fahrenheit maximums from June to October each year, so you’ll want to ensure your air conditioning is up to par.
Over 32% of our November 2023 home warranty survey respondents considered plan coverage the most important feature when shopping for a home warranty.
Best home warranty in Tennessee for reputation
The final category to consider when shopping for a Tennessee home warranty is reputation. LHG and Elite Home Warranty have perfect scores because they have at least 4 out of 5 stars across the following third-party consumer review sites: Better Business Bureau (BBB), Google Reviews and Trustpilot.
Third-party review sites allow you to form a general opinion on how a provider handles customer interactions. Real customers leave their experiences on these sites, which can help you decide which company suits you best.
| Provider | Coverage Limits Rating (Out of 5 Stars) | Key Info |
|---|---|---|
| Liberty Home Guard | 5.0 | Has 4.5 out of 5 stars on BBB |
| Elite Home Warranty | 5.0 | Has an A+ rating on BBB |
| 2-10 Home Buyers Warranty | 3.7 | Earned an A rating on BBB |
| American Home Shield | 3.7 | Responds to most recent Trustpilot complaints |
| Cinch Home Services | 3.7 | Holds 3.8 out of 5 stars on Trustpilot |
Check at least three third-party review sites when researching a home warranty company. Consider a different provider if you notice many 1-star customer ratings across the board.
Common red flags
Home warranties have their fair share of bad players, like all service industries. Luckily, you can spot red flags if you know where to look. Below are a few common red flags to be aware of when shopping for a home warranty.
Low coverage caps
Contact home warranty companies for their per-item coverage caps. Search elsewhere if they pay an absurdly low amount per item repair or replacement.
Low plan premiums
Home warranties typically charge a minimum of $41 per month, according to our national average. If a provider charges less than half that amount for a coverage plan, chances are it’s too good to be true.
No workmanship guarantee
All reputable home warranty companies offer a repair guarantee for each item they service. Avoid companies that don’t disclose their workmanship guarantee when you ask.
Slow customer service
Contact the home warranty company on three occasions to see how long it takes to reach a customer service representative — specifically its claims department. Consider a new provider if they don’t route your call to a representative within five minutes when you can.
What else should you understand when shopping for Tennessee home warranties?
In addition to reviewing a provider’s price, coverage plans and reputation, ensure that you review its service contract. We also recommend researching your local home warranty regulations to understand the protections you have as a consumer.
Home warranty service contracts
Home warranty service contracts aren’t the easiest to read. They include lots of industry jargon and can be confusing to understand. Below, we highlight a few common service contract sections to review.
- Coverage options and limits: This section displays the dollar amounts the provider will pay per covered item. It also lists coverage options for each plan.
- Exclusions and limitations: We suggest paying extra attention to this section, which outlines what the company won’t cover. Knowing the stipulations can reduce your chances of a denied claim.
- Cancellation: This section features details of the company’s cancellation policy. Some companies require you to send a formal cancellation notice via mail should you wish to cancel.
Contact the provider if any sections of its service contract don’t make sense. Asking questions about the terms and conditions of its coverage will ensure you know what you’re getting into. Additionally, you’ll get a feel for how well (or poorly) the company answers your questions, which indicates how it’ll handle your service requests.
Home warranty regulation in Tennessee
According to Tennessee statute 56-2-126, Tennessee doesn’t have a regulatory body that directly oversees residential service contracts. However, the Tennessee attorney general has a complaint form you can fill out on its consumer affairs website.
Although the state doesn’t provide dedicated home warranty oversight, some industry associations impose regulatory practices. The National Home Service Contract Association (NHSCA) is a nonprofit organization that requires member home warranty companies to follow a code of conduct to best serve consumers.
In addition, the NHSCA has a member directory listing compliant home warranty companies.
Final take: Liberty Home Guard offers Tennessee homeowners well-rounded protection at an affordable price
A Tennessee home warranty plan can help reduce the financial burden of an untimely appliance or system failure. Most companies provide similar coverage at varied rates, so we recommend carefully considering your situation and budget before signing up.
A comprehensive coverage plan makes sense if you own older appliances and systems. However, you may not require a comprehensive plan if you only need systems coverage.
We recommend requesting quotes from three providers in this article to compare costs and coverage options.
Our rating methodology for home warranty companies
We research and rate home warranty providers to help you choose the right one for your budget and home. Our research includes gathering customer insights via consumer surveys, interviewing industry experts, secret shopping all of the companies we review and analyzing customer reviews from third-party review sites such as Trustpilot and BBB.
We compare home warranty providers across the following five categories:
- Coverage plans and extra features
- Coverage limits
- Price
- Reputation
- Customer service
Read our full home warranty company methodology for more information.
Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics.
Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information.
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