State guide · TNNo paid placement
Home warranty
in Tennessee.
Humid summers driving sustained air-conditioning load and compressor wear drives the local claim mix. Service contracts in Tennessee are regulated by the Tennessee Department of Commerce and Insurance.
2 cities coveredRegulated as a service contract3 providers active
Photo · R Architecture / Unsplash
Why Tennessee is different
Service contracts in Tennessee are regulated by the Tennessee Department of Commerce and Insurance. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Cancellation and refund terms must be disclosed in the contract.
Source: Tennessee Department of Commerce and Insurance (State regulator, accessed 2026-05)
Coverage-priority context · TN
What breaks in Tennessee.
Issue 01
Humid summers driving sustained air-conditioning load and compressor wear
Issue 02
Occasional hard freezes raising burst-pipe risk in homes with limited insulation
Issue 03
Aging HVAC and plumbing in older Nashville and Memphis housing stock
§ 02Best providers in Tennessee
01
AHS
American Home Shield
Homeowners who want broad systems coverage with the flexibility to lower premiums by accepting a higher service fee.
Score
4.1/5
From
$30/mo
BBB
B
02
CHW
Choice Home Warranty
Budget-focused homeowners who want predictable low service fees and straightforward plan choices.
Score
3.7/5
From
$46/mo
BBB
B
03
2HB
2-10 Home Buyers Warranty
Buyers in a real-estate transaction or those who want optional structural and code-upgrade coverage.
Score
3.7/5
From
$23/mo
BBB
B
§ 03By city
City 01
Nashville
City 02
Memphis
§ 04Common questions for Tennessee
Are home warranties regulated in Tennessee?
Service contracts in Tennessee are regulated by the Tennessee Department of Commerce and Insurance. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Cancellation and refund terms must be disclosed in the contract.
What is the typical waiting period?
Most plans impose a 30-day waiting period from the contract effective date. A few waive it for a real-estate transaction or when you transfer an existing policy, so a failure that starts before coverage begins is treated as pre-existing and excluded.
Can I buy a plan after something has already broken?
You can buy one, but you will be paying for future protection. An active failure is almost always deemed pre-existing and excluded, so the new contract will not cover the repair you are facing right now.