Home Warranty Companies in Tennessee
2026 State Guide
Our data lists 11 of the 15 companies we track as serving Tennessee. AFC Home Club ranks first among them at 8.2 out of 10. Summers are warm and humid for most of the state, and winters are cool with occasional episodes of very cold Arctic air.
Companies Available
11
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Tennessee Department of Commerce and Insurance
Rules not confirmed
Tennessee State Snapshot
Housing units
3,195,304
Owner-occupied rate
67% (US 65%)
Median home value
$256,800
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
11 of 15 tracked
Regulatory body
Tennessee Department of Commerce and Insurance
67% of Tennessee homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $256,800, 15% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Tennessee. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Tennessee's largest city, Nashville-Davidson (metropolitan government balance), 52.4% of homes are owner-occupied and the median owner-occupied home is worth $413,600.
Source: Census Bureau QuickFacts for Nashville-Davidson (metropolitan government balance), 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Tennessee's climate puts both heating and cooling under strain, in our reading
Summers are warm and humid for most of the state, and winters are cool with occasional episodes of very cold Arctic air. Summer average highs run from 85 to 90 F in western and central Tennessee and from 80 to 85 F in the east, and temperatures fall about 3 F for every 1,000 feet of elevation. Annual precipitation has been mostly above average since 1990, and the number and intensity of extreme heat and precipitation events are projected to increase.
Both systems get real use here, so look for a plan that covers heating and cooling and compare its cap with your own replacement quote.
Source: NOAA NCEI State Climate Summary for Tennessee (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Tennessee estimate. 11 of 15 tracked companies serve Tennessee in our data; "Likely" and "Check" rows are not verified for Tennessee.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | TN |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Tennessee
Highest overall score among companies that serve Tennessee, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Tennessee
Check availability: Old Republic Home Protection, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Tennessee. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Tennessee Regulates Home Warranties
Regulator
Tennessee Department of Commerce and Insurance (TDCI)
Legal framework
Insurance definition in T.C.A. 56-7-101 applied case by case
Tennessee has no home warranty statute that we found. Instead, the state asks whether a given contract meets the definition of insurance in T.C.A. 56-7-101. The Attorney General's Opinion 10-85 treated certain home foundation warranties as insurance, and a TDCI interpretive opinion (05-14) said a warranty covering excess water charges may or may not be insurance depending on the incident, while a contract paying hotel costs is insurance. In 2019 TDCI advised buyers to research the company, read the full statement of coverage and compare warranties before choosing.
Type of rules: Not confirmed. The sources we found did not settle how the state regulates home warranties. Ask the state insurance regulator before you buy.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Tennessee Attorney General Opinion 10-85 (PDF)
- TDCI Interpretive Opinion 05-14 (PDF)
- TDCI: Helps Consumers Avoid Home Warranty Scams (2019)
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Tennessee Homeowners
Ask who regulates the company
The sources we found did not settle how Tennessee regulates home warranties. Ask your state insurance department, using the NAIC directory, before you buy.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for Tennessee. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Tennessee
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Tennessee's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Tennessee Attorney General: file a complaint
The Division of Consumer Affairs mediates only if you live in Tennessee, the business is in Tennessee or the transaction took place there. Complaints are subject to the Public Records Act.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Tennessee
Which home warranty companies serve Tennessee?
What is the best home warranty company in Tennessee?
Which home warranty plan has the highest HVAC coverage in Tennessee?
How much does a home warranty cost in Tennessee?
How does Tennessee's climate affect which plan to buy?
Where do I file a home warranty complaint in Tennessee?
How are home warranties regulated in Tennessee?
Neighboring States
Compare All Tennessee-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Tennessee, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.