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Jesus Sanchez GarciaHome improvement writer
Jesus Sanchez Garcia is a senior writer for USA TODAY Homefront. His expertise focuses on home ...
Updated Jun 22, 2024
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We've ranked the top 7 home warranty companies that operate within 50 miles of Collierville. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.
Consider a home warranty to financially protect your home's essential items. These policies cover the repair or replacement of major household systems and appliances, such as air conditioners and refrigerators, for a monthly fee.
Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically last just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today stop working after about 20 years.
If your Collierville house contains any aging dishwashers, furnaces or other appliances, you'll likely face a surprise breakdown. These top home warranty providers offer robust coverage at reasonable prices.
With the scorching summer heat in Tennessee, air conditioner breakdowns in Collierville are that much more taxing for homeowners. A home warranty from one of the national providers listed below will give you an easy and economical path to the future repairs you might need.
Here's our list of the best home warranty companies in Collierville:
Average monthly costs: $22.00 - $80.00
2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.
What we like
What we don't like
Plan Name
Simply HVAC
Service Fee
$65 - $100
Monthly Cost
$50 - $39
Items covered
Air conditioning, Heat pump, Heating system, Thermostat.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
Plan Name
Simply Kitchen
Service Fee
$65 - $100
Monthly Cost
$31 - $22
Items covered
Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
Plan Name
Essential Home
Service Fee
$65 - $100
Monthly Cost
$61 - $51
Items covered
Air conditioning, Heat pump, Heating system, Thermostat, Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
Plan Name
Complete Home
Service Fee
$65 - $100
Monthly Cost
$60 - $51
Items covered
Air conditioning, Heat pump, Heating system, Thermostat, Drain line stoppages, Plumbing system, Plumbing valves, Sump pump, Toilets, Water heater, Doorbells, Electrical systems, Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
Plan Name
Pinnacle Home
Service Fee
$65 - $100
Monthly Cost
$80 - $71
Items covered
Air conditioning, Heat pump, Heating system, Thermostat, Drain line stoppages, Hose bibs, Plumbing system, Plumbing valves, Polybutylene and PEX plumbing systems, Sump pump, Toilets, Water heater, Attic and bathroom exhaust fans, Burglar and fire alarms, Doorbells, Electrical systems, Built-in microwave, Cooktop, Dishwasher, Oven, Range, Refrigerator with ice maker/crusher.
Add-on items
Luxury package (increases coverage limits), Washer and dryer, Roof leak, HVAC surplus, Garage door opener, Additional refrigerator, Additional wine cooler, Additional freestanding freezer, Additional wet bar refrigerator, Pool, Septic system, Well pump, Water softener, Extended pipe leak, Preseason HVAC tune-up.
Average monthly costs: $49.99 - $59.99
Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.
What we like
What we don't like
Plan Name
Appliance Guard
Service Fee
$65 - $125
Monthly Cost
$49
Items covered
Built-in microwave ovens, Ceiling and exhaust fans, Clothes dryer, Clothes washer, Dishwashers, Garbage disposals, Garage door openers, Ranges/ovens/cooktops, Refrigerator with ice maker and display.
Add-on items
Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof leak, Pest control, Plumbing fixtures, Pool and spa, Power washing (exterior floor0, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series standalone freezer, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, TV mounting (up to 65 in), TV mounting (up to 85 in), Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge.
Plan Name
Systems Guard
Service Fee
$65 - $125
Monthly Cost
$54
Items covered
Air conditioning, Ductwork, Heating, Electrical, Plumbing, Water heaters.
Add-on items
Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof leak, Pest control, Plumbing fixtures, Pool and spa, Power washing (exterior floor0, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series standalone freezer, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, TV mounting (up to 65 in), TV mounting (up to 85 in), Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge.
Plan Name
Total Home Guard
Service Fee
$65 - $125
Monthly Cost
$59
Items covered
Air conditioning, Ductwork, Heating, Electrical, Plumbing, Water heaters, Built-in microwave ovens, Ceiling and exhaust fans, Clothes dryer, Clothes washer, Dishwashers, Garbage disposals, Garage door openers, Ranges/ovens/cooktops, Refrigerator with ice maker and display.
Add-on items
Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof leak, Pest control, Plumbing fixtures, Pool and spa, Power washing (exterior floor0, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series standalone freezer, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, TV mounting (up to 65 in), TV mounting (up to 85 in), Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge.
Average monthly costs: $48.98 - $59.99
Elite lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.
What we like
What we don't like
Plan Name
Elite Appliances
Service Fee
$70
Monthly Cost
$48
Items covered
Built-in microwave, Ceiling fans, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Oven, Range, Refrigerator, ice maker, and water dispenser.
Add-on items
annual maintenance, attic exhaust fan, central vacuum, effluent pump, ejector pump, freestanding freezer, freestanding icemaker, freestanding spa equipment, generator, geothermal heating and cooling system, grinder pump, guest house, jetted hot tub, lawn sprinkler system, lift pump, limited roof-leak repair, pool and spa equipment, pool equipment, premium appliances, premium benefits, premium systems, premium systems plus, service line, septic system, sump pump, swamp cooler, water filtration system, water softener, well pump, wine cooler.
Plan Name
Elite Systems
Service Fee
$70
Monthly Cost
$54
Items covered
Electrical system, Garage door opener, Air conditioning system, Heating system, Plumbing fixtures, Plumbing stoppages, Plumbing system, Water heater.
Add-on items
annual maintenance, attic exhaust fan, central vacuum, effluent pump, ejector pump, freestanding freezer, freestanding icemaker, freestanding spa equipment, generator, geothermal heating and cooling system, grinder pump, guest house, jetted hot tub, lawn sprinkler system, lift pump, limited roof-leak repair, pool and spa equipment, pool equipment, premium appliances, premium benefits, premium systems, premium systems plus, service line, septic system, sump pump, swamp cooler, water filtration system, water softener, well pump, wine cooler.
Plan Name
Elite Complete
Service Fee
$70
Monthly Cost
$59
Items covered
Built-in microwave, Ceiling fans, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Oven, Range, Refrigerator, ice maker, and water dispenser, Electrical system, Garage door opener, Air conditioning system, Heating system, Plumbing fixtures, Plumbing stoppages, Plumbing system, Water heater.
Add-on items
annual maintenance, attic exhaust fan, central vacuum, effluent pump, ejector pump, freestanding freezer, freestanding icemaker, freestanding spa equipment, generator, geothermal heating and cooling system, grinder pump, guest house, jetted hot tub, lawn sprinkler system, lift pump, limited roof-leak repair, pool and spa equipment, pool equipment, premium appliances, premium benefits, premium systems, premium systems plus, service line, septic system, sump pump, swamp cooler, water filtration system, water softener, well pump, wine cooler.
Plan Name
Customize Your Own
Service Fee
$70
Monthly Cost
Varies
Add-on items
annual maintenance, attic exhaust fan, central vacuum, effluent pump, ejector pump, freestanding freezer, freestanding icemaker, freestanding spa equipment, generator, geothermal heating and cooling system, grinder pump, guest house, jetted hot tub, lawn sprinkler system, lift pump, limited roof-leak repair, pool and spa equipment, pool equipment, premium appliances, premium benefits, premium systems, premium systems plus, service line, septic system, sump pump, swamp cooler, water filtration system, water softener, well pump, wine cooler.
Average monthly costs: $29.99 - $89.99
An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional add-ons.
What we like
What we don't like
Plan Name
ShieldSilver
Service Fee
$125 - $100
Monthly Cost
$29 - $39
Items covered
Air conditioners, Built-in exhaust/vent/attic fans, Ceiling fans, Doorbells and chimes, Ductwork, Faucets and valves, Garage-door openers, Heating units, Interior electrical lines, Interior plumbing lines, Main breaker and fuse panel box, Toilets, Water heaters, Whirlpool tub motor and components.
Add-on items
Electronics Protection Plan (not available in CA. Provided by Allstate Protection Plans), Pool, Spa, Guest Unit, Septic Pump, Well Pump.
Plan Name
ShieldGold
Service Fee
$125 - $100
Monthly Cost
$49 - $59
Items covered
Air conditioners, Built-in exhaust/vent/attic fans, Built-in microwave ovens, Ceiling fans, Clothes dryers, Clothes washers, Dishwashers, Doorbells and chimes, Ductwork, Faucets and valves, Garage-door openers, Garbage disposals, Heating units, Instant hot/cold water dispensers, Interior electrical lines, Interior plumbing lines, Main breaker and fuse panel box, Ranges/cooktops, Refrigerators, Ovens, Toilets, Water heaters, Whirlpool tub motor and components.
Add-on items
Electronics Protection Plan (not available in CA. Provided by Allstate Protection Plans), Pool, Spa, Guest Unit, Septic Pump, Well Pump.
Plan Name
ShieldPlatinum
Service Fee
$125 - $100
Monthly Cost
$79 - $89
Items covered
Air conditioners, Built-in exhaust/vent/attic fans, Built-in microwave ovens, Ceiling fans, Clothes dryers, Clothes washers, Dishwashers, Doorbells and chimes, Ductwork, Faucets and valves, Garage-door openers, Garbage disposals, Heating units, Instant hot/cold water dispensers, Interior electrical lines, Interior plumbing lines, Main breaker and fuse panel box, Ranges/cooktops, Refrigerators, Roof-leak repairs, Ovens, Toilets, Water heaters, Whirlpool tub motor and components.
Add-on items
Electronics Protection Plan (not available in CA. Provided by Allstate Protection Plans), Pool, Spa, Guest Unit, Septic Pump, Well Pump.
Average monthly costs: $47.00 - $87.00
First American provides generous appliance coverage maximums in every plan. If you add the First American Advantage upgrade, miscellaneous items like appliance knobs and dials could also get protection.
What we like
What we don't like
Plan Name
Starter Plan
Service Fee
$125 - $75
Monthly Cost
$47 - $67
Items covered
Ductwork, Heating system, Refrigerant, Electrical systems, Plumbing systems, Plumbing stoppages, Toilet tank/bowl/mechanisms, Built-in microwave, Dishwasher, Kitchen range hood, Oven/range/cooktop, Refrigerator.
Add-on items
Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump.
Plan Name
Essential Plan
Service Fee
$125 - $75
Monthly Cost
$52 - $72
Items covered
Air conditioning, Ductwork, Heating system, Mini-split ductless systems, Refrigerant, Ceiling/attic/exhaust fans, Electrical systems, Garage door opener, Plumbing systems, Plumbing stoppages, Toilet tank/bowl/mechanisms, Water heaters, Built-in microwave, Clothes dryer, Clothes washer, Dishwasher, Kitchen range hood, Oven/range/cooktop, Refrigerator, Trash compactor.
Add-on items
Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump.
Plan Name
Premium Plan
Service Fee
$125 - $75
Monthly Cost
$67 - $87
Items covered
Air conditioning, Central vacuum system, Ductwork, Heating system, Mini-split ductless systems, Refrigerant, Registers, grills and filters, Window AC unit, Ceiling/attic/exhaust fans, Electrical systems, Garage door opener, Garage door springs, hinges and transmitters, Faucets, Hose bibs, Install ground-level cleanout, Plumbing systems, Plumbing stoppages, Shower head/shower arm, Toilet tank/bowl/mechanisms, Water heaters, Built-in microwave, Clothes dryer, Clothes washer, Dishwasher, Garbage disposal, Instant hot water dispenser, Kitchen range hood, Luxury appliance, Oven/range/cooktop, Refrigerator, Trash compactor.
Add-on items
Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump.
Average monthly costs: $38.99 - $66.99
Cinch has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your premium.
What we like
What we don't like
Plan Name
Appliances Plan
Service Fee
$150 - $100
Monthly Cost
$38 - $48
Items covered
Clothes dryer, Clothes washer, Cooktop, Dishwasher, Freestanding ice maker, Microwave (built-in), Range, Range exhaust hood, Refrigerators, Trash compactor (built-in), Wall oven, Air conditioner or refrigerator filter credit, Food center (built-in).
Add-on items
Pool (Heater Included), Spa (Heater Included), Pool with Spa (Heater Included), Septic Tank/Pumping, Well Pump, Premier Upgrade Package.
Plan Name
Built-in Systems Plan
Service Fee
$150 - $100
Monthly Cost
$43 - $55
Items covered
Air conditioning, including ductwork, Central vacuum, Doorbell, Heating system, including ductwork, Attic fans, Ceiling fans, Electrical system, Garage door openers, Smoke detectors, Plumbing system, Sump pump, Toilets, Water heater, Whirlpool/jetted tub (built-in), Air conditioner or refrigerator filter credit, Garbage disposal, Instant hot/cold water dispenser.
Add-on items
Pool (Heater Included), Spa (Heater Included), Pool with Spa (Heater Included), Septic Tank/Pumping, Well Pump, Premier Upgrade Package.
Plan Name
Complete Home Plan
Service Fee
$150 - $100
Monthly Cost
$54 - $66
Items covered
Air conditioning, including ductwork, Central vacuum, Doorbell, Heating system, including ductwork, Attic fans, Ceiling fans, Electrical system, Garage door openers, Smoke detectors, Plumbing system, Sump pump, Toilets, Water heater, Whirlpool/jetted tub (built-in), Clothes dryer, Clothes washer, Cooktop, Dishwasher, Freestanding ice maker, Microwave (built-in), Range, Range exhaust hood, Refrigerators, Trash compactor (built-in), Wall oven, Air conditioner or refrigerator filter credit, Food center (built-in), Homeowners insurance deductible reimbursement, Garbage disposal, Instant hot/cold water dispenser.
Add-on items
Pool (Heater Included), Spa (Heater Included), Pool with Spa (Heater Included), Septic Tank/Pumping, Well Pump, Premier Upgrade Package.
Average monthly costs: $44.42 - $47.75
Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.
What we like
What we don't like
Plan Name
Bronze Care Plan
Service Fee
$75
Monthly Cost
$44
Items covered
Built-in microwave, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Refrigerator, Stove/oven.
Add-on items
Central vacuum, Lawn sprinkler system, Pool, Roof leak, Septic system, Spa, Stand-alone freezer, Sump pump, Well pump.
Plan Name
Gold Care Plan
Service Fee
$75
Monthly Cost
$44
Items covered
AC/cooling, Ductwork, Heating system, Plumbing system, Water heater, Electrical system.
Add-on items
Central vacuum, Lawn sprinkler system, Pool, Roof leak, Septic system, Spa, Stand-alone freezer, Sump pump, Well pump.
Plan Name
Platinum Care Plan
Service Fee
$75
Monthly Cost
$47
Items covered
AC/cooling, Ductwork, Heating system, Plumbing stoppages, Plumbing system, Water heater, Ceiling fan, Electrical system, Garage-door openers, Built-in microwave, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Refrigerator, Stove/oven.
Add-on items
Central vacuum, Lawn sprinkler system, Pool, Roof leak, Septic system, Spa, Stand-alone freezer, Sump pump, Well pump.
The average cost of a home warranty in Collierville is on par with the national average, running from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.
With a home warranty, you'll have extra coverage for home appliances and major systems. However, it's not a substitute for homeowners insurance, and there are some limitations to coverage. Below, we'll talk about what's generally covered and what's not.
Major appliances form the first category of items that home warranties cover. This includes the following items: When you purchase a home warranty, you're also getting coverage for major home systems. While different plans have different coverage scopes for this category, the following systems can be included:
Like other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. A common exclusion is breakdowns caused by damage outside normal wear and tear. For example, home warranties will likely not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is a routine maintenance task.
Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.
Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can look for a company that includes them. Some companies separate appliance and system coverage. Many companies also sell optional add-ons, covering things like additional refrigeration and central vacuum. Consider whether any add-ons fit your situation.
A typical home warranty plan is effective for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period serves as a way to stop customers from filing claims for preexisting conditions. A home warranty may last longer than 12 months if you purchase a multiyear plan.
Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If there are no in-network contractors near you, the warranty company may let you choose your own. You can verify a contractor's license by searching the Tennessee Department of Commerce and Insurance database.
Knowing more about the home warranty company's claims process can improve your chances of getting a claim approved. Most companies accept claims online or via a 24/7 phone line. Once you file, the company will try to respond within 24 to 48 hours. Filing outside normal business hours may lead to a slower process. If the home warranty company grants initial approval to your claim, they'll match you with a service contractor from their network. The contractor will schedule a consultation with you to examine the appliance firsthand. Once they get final approval from the warranty company, they'll proceed to make repairs and handle billing on your behalf.
If you need to move, most home warranty contracts contain a clause allowing you to transfer the policy to the new homeowner. Some companies handle the transfer for free, though others levy a transfer fee. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers acquire these home warranty plans to increase their home's appeal.
Before buying a home warranty, review the company's sample contracts and policies. Understanding a provider's terms and conditions can help you determine if they're a suitable choice for you. It'll also help you stand up for your rights if you need to file a claim. Pay attention to these key stipulations and clauses:
We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.
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. Go back to top
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