Home Warranty

7 best home warranty companies in Franklin, Tennessee

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Franklin. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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A home warranty provides financial protection if a major home system or appliance suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items like HVAC units and refrigerators when they break down from normal wear.

Many key home systems break down before hitting the 10 to 15-year mark. HVAC systems typically last just seven to 25 years. The normal lifespan for water heaters is only six to 12 years, and most major appliances today stop working in under 20 years, according to the experts at the International Association of Certified Home Inspectors.

If your Franklin home has a dishwasher, furnace or any other everyday appliance within that age range, you will likely experience an unexpected breakdown. The top home warranty companies listed below offer generous coverage at affordable rates.

Homeowners insurance doesn't cover appliance failures due to normal wear and tear, so having a home warranty can give you an extra buffer against surprises. We've done the research to find what home warranty companies have the best major appliance and system coverage.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Franklin

Here's our list of the best home warranty companies in Franklin:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee if your covered item can’t be fixed or replaced.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

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

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

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

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Franklin

The cost of a home warranty is around the same as the national average, and it largely depends on how often you want to make payments. The national average is in the range of $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties protect a variety of major systems and home appliances. We'll offer a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Refrigerators
Built-in microwaves
Washing machines
Clothes dryers
Cooktops
Dishwashers

Major appliances form the first category of items that home warranties cover. This includes the following items: The second category of covered items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

Central vacuum
Electrical
Plumbing
HVAC
Water heater

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, which are the items and circumstances it will not cover. Your contract will outline each exclusion upfront, so read carefully before you sign. One thing that home warranties don't cover is damage outside of normal wear and tear. For example, the warranty company could deny a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is a part of routine maintenance. Home warranties also don't cover rust or corrosion damage, hazardous waste, acts of nature, cosmetic damage, preexisting conditions and improper system or appliance installation.

Questions to ask home warranty providers in Franklin

Ask each home warranty provider these questions before you purchase a plan.

What items are covered by my policy?

Assess your coverage requirements before requesting a quote from a home warranty company. Once youknow what items require coverage, verify that the provider includes them in its packages. Some companies separate appliance and systems coverage into different plans, so ensure you choose the right one. Also, many home warranty companies offer optional coverage, such as for central vacuum or spas. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Generally, a home warranty plan lasts for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies include a 30-day waiting period to deter customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

Be sure to ask about the warranty company's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might let you choose your own. You can verify a contractor's license by searching the Tennessee Department of Commerce and Insurance database.

How does your claims approval process work?

Knowing more about the home warranty company's claims process boosts 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 processing delays. After you file your claim, a staff member will review it and connect you with an in-network repair contractor. The contractor's team will schedule a meeting with you to inspect the issue and diagnose the problem. Once the company grants final approval, the contractor can proceed with repairs.

Can I transfer my policy to the next owner of my home?

If you're selling your home, you may be able to transfer your policy to the new homeowner. Some companies will handle the transfer without cost, while others levy a transfer fee. Sellers can also purchase special home warranty plans that are easily transferred to prospective buyers. This is an easy way to make your home more attractive to your home in a competitive real estate market and give the buyer added confidence.

Home warranty contract fine print

To complete your research, we recommend reading the home warranty provider’s detailed terms and sample contract prior to purchasing a plan. Knowing the company’s terms and conditions can help you decide if it’s the right one for your needs. It'll also help you stand up for your rights if you need to file a claim. Below are several terms you should search for while reviewing the contract:

Exclusions: Home warranties have both general exclusions and ones specific to components. Even if a device or system is generally covered, your warranty could still exclude some specific parts if they suffer damage. Read your sample contract carefully to know what's excluded.
Cancellation: You'll typically find the warranty company's cancellation policy in the sample contract fine print. Depending on the company, if you cancel within the first 30 days of enrollment, you might receive a full refund of the entire premium.
Workmanship guarantee: Home warranties generally have workmanship guarantees that are at least 30 days long. If an in-network technician attempted to repair your appliance or system, and you keep experiencing issues with it, the company won't assess an additional service call fee for new repairs.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company will pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Service call fee: The service call fee is how much you'll pay the home warranty company or service provider for every claim. Fees typically vary between $75 and $125 per claim.

Facts about Franklin

Average High in July

87°F

Franklin

83°F

National Average

Average Low in January

29°F

Franklin

17°F

National Average

Average Daily Sunlight

66%

Franklin

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

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

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Franklin, Tennessee

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