Home Warranty

7 best home warranty companies in Nashville, 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 Nashville. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

Companies Selected

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

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Nashville home contains aging dishwashers, furnaces or the like, you'll likely encounter a surprise breakdown. These best home warranty firms offer robust coverage at a fair price.

Nashville's wet, cool weather strains roofs and HVAC systems, so we advise getting a home warranty to protect yourself from sudden breakdown repair costs. The providers we recommend provide strong coverage options and even a few added perks.

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

Limited Time Offer: 50% Off

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 Nashville

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

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 lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

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 Nashville

The typical monthly cost of a home warranty in Nashville runs from $41 to $70, around the same as the national average. If you're paying on an annual basis, expect to spend anywhere from $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

Home warranties provide coverage for various appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll summarize what coverage a warranty typically includes and excludes.

What are the typical items covered under a home warranty?

Clothes dryers
Dishwashers
Refrigerators
Built-in microwaves
Cooktops
Washing machines

The first category of items home warranties cover is major appliances. This category includes the following: 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:

Electrical
HVAC
Plumbing
Central vacuum
Water heater

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, or things it will not cover. Your contract will clearly specify each exclusion, so read carefully before you sign. A common exclusion is breakdowns caused by damage outside of 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 part of routine maintenance. Additionally, home warranties won't cover hazardous waste, preexisting conditions, acts of nature, improper system or appliance installation, cosmetic damage and rust or corrosion damage.

Questions to ask home warranty providers in Nashville

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items would my policy cover?

Before asking a home warranty company for a quote, write down the specific systems and appliances that you need covered. Then, confirm the company has plans meeting your needs. Some providers separate appliance and system coverage into different plans. Companies might also offer additional coverage, like lawn sprinkler system and swimming pool protection, as add-ons. Consider what supplements you might need and how much they'll add to the cost.

How long is my home warranty good for?

Generally, home warranty contracts last for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies require this 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?

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 your area has no in-network contractors nearby, 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.

How does your claims approval process work?

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 aim to reply within one to two days. Filing outside normal business hours may lead to processing delays. Once the provider receives your claim, someone will review it and connect you with a partner service contractor. The contractor will schedule a visit, diagnose the problem, and then request final approval from the home warranty provider before starting 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 manage the transfer without cost, while others charge a transfer fee. Sellers can also purchase special home warranty plans that are readily transferable to prospective buyers. This is a simple way to make your home more attractive to your home in a competitive real estate market and offer the buyer additional peace of mind.

Home warranty contract fine print

Before settling on a home warranty, we strongly recommend reading a sample contract. Learning more about the company's terms and conditions will help you determine the best fit. It'll also help you advocate for yourself if you need to file a claim. Look for these key terms and clauses in your research:

Coverage limit: Each home warranty has a coverage limit that limits how much money the company will pay per claim. There might also be an annual coverage limit or other stipulations.
Exclusions: Even if a device is covered under your home warranty, it may still have applicable exclusions for specific parts. A sample contract should specifically list these exclusions.
Cancellation: You'll typically find the warranty company's cancellation policy in their 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 recently serviced your appliance or system, and you continue to experience issues with it, the company won't charge an additional service call fee for new repairs.
Service call fee: The service call fee is how much you'll pay the home warranty company or service provider whenever you file a claim. Fees typically range from $75–$125 per claim.

Facts about Nashville

Average High in July

87°F

Nashville

83°F

National Average

Average Low in January

29°F

Nashville

17°F

National Average

Average Daily Sunlight

66%

Nashville

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

Limited Time Offer: 50% Off

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 Nashville, Tennessee