Tennessee guide · Updated October 21, 2026
Best Home Warranty Companies in Tennessee
Long, humid summers in Tennessee keep air conditioners and heat pumps running for much of the year. A home warranty can help with the cost of covered repairs from normal wear, though storm and flood damage belong to insurance.
See which companies serve your exact address
Availability changes by ZIP code. Enter yours to compare current plans and service fees side by side.
Enter your ZIP codeHome warranty companies serving Tennessee
Listed in no particular order — not a ranking. The best fit depends on your home, your budget and the coverage you want.
Choice Home Warranty
Serves the stateSells plans in this state. Pricing is shared in your personalized quote.
American Home Shield
Serves the stateSells plans throughout this state, with no ZIP codes excluded in its latest targeting list.
Select Home Warranty
Serves the stateSells plans in this state. Published starting rates and service-fee ranges appear on the comparison page.
First American Home Warranty
Some ZIP codesServes many, but not all, ZIP codes in this state. Your ZIP decides whether it appears.
What Tennessee homeowners should check
Cooling season is long
Heavy AC and heat pump use means more wear. Compare HVAC limits, refrigerant terms and replacement rules.
Humidity and crawl spaces
Moisture is hard on ductwork, sump pumps and crawl-space equipment. Check which of these each plan covers.
Storms aren't covered
Wind, hail and flood damage are homeowners or flood insurance matters. A warranty covers breakdowns, not storm damage.
How Tennessee regulates home warranties
Agency: Tennessee Department of Commerce and Insurance
Law: Reviewed case by case under T.C.A. 56-7-101
We haven't yet checked this summary against the state law itself. Confirm with the agency.
Common questions
Are home warranty companies regulated in Tennessee?
We found no home warranty licensing program in Tennessee. Reviewed case by case under T.C.A. 56-7-101. Complaints go to the Tennessee Department of Commerce and Insurance. Our summary hasn't yet been checked against the state's own statute, so confirm with the agency.
Is a home warranty worth it in Tennessee?
It depends on the age of your systems and appliances and how you'd handle a sudden repair bill. Compare plans and service fees for your ZIP before deciding.
Which home warranty companies serve my Tennessee address?
Availability can vary by ZIP code. Enter yours and the comparison shows only companies that aren't ruled out for your address.
More answers: Home warranty FAQ · Blog
Compare Tennessee home warranty plans
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