Homeowners insurance protects your home in the event of a catastrophic event. Manufacturers’ warranties protect individual products from defects. But what about plain old wear and tear damage to your home’s appliances and systems? For that, you need a home warranty. These contracts cover repair or replacement of worn-out home appliances and systems, no matter how old they are.
There are many home warranty companies that serve the Memphis area. They may look similar, but there are subtle differences in coverage, service, and trustworthiness. We’ve taken a critical look at these providers and are prepared to offer our recommendations for the four best home warranty companies in Memphis, TN.
Top 4 Home Warranty Companies in Memphis
The highest-rated home warranty companies in Memphis include:
- American Home Shield: Best for Comprehensive Coverage
- Liberty Home Guard: Best Customer Ratings
- First American Home Warranty: Best Appliance Coverage
- Choice Home Warranty: Best Basic Plan
American Home Shield
For the best overall experience, American Home Shield gets our top mark. This company has the longevity and reputation that you want from a company that protects your home and your budget.
American Home Shield Plans
American Home Shield offers three plans plus a variety of add-on options. One plan covers only home systems, one covers home appliances and systems, and one covers both with additional perks including coverage boosts.
| Systems and Appliances | ShieldSilver™ | ShieldGold™ | ShieldPlatinum™ |
|---|---|---|---|
| Air Conditioning | ✓ | ✓ | ✓ |
| Heating System | ✓ | ✓ | ✓ |
| Ductwork | ✓ | ✓ | ✓ |
| Electrical | ✓ | ✓ | ✓ |
| Doorbells | ✓ | ✓ | ✓ |
| Smoke Detectors | ✓ | ✓ | ✓ |
| Ceiling Fans | ✓ | ✓ | ✓ |
| Plumbing and Stoppages | ✓ | ✓ | ✓ |
| Water Heaters | ✓ | ✓ | ✓ |
| Water Dispensers | ✓ | ✓ | ✓ |
| Central Vacuums | ✓ | ✓ | ✓ |
| Refrigerators | — | ✓ | ✓ |
| Ranges, Ovens, and Cooktops | — | ✓ | ✓ |
| Clothes Washer | — | ✓ | ✓ |
| Clothes Dryers | — | ✓ | ✓ |
| Dishwashers | — | ✓ | ✓ |
| Built-In Microwave | — | ✓ | ✓ |
| Trash Compactors | — | ✓ | ✓ |
| Freestanding Ice Maker | — | ✓ | ✓ |
| Garage Door Opener | — | ✓ | ✓ |
| Built-In Food Centers | — | ✓ | ✓ |
| Coverage Boost | — | — | ✓ |
| Roof Leak Coverage | — | — | ✓ |
If you purchase any of these plans, you can add optional coverage for the following.
- Pools/spas
- Well pumps
- Septic pumps
- Guest units (up to 750 sq. ft.)
American Home Shield Prices
Home warranties charge both a monthly (or yearly) premium for the length of the contract and a service call fee every time you require a technician or contractor to diagnose or fix a covered item. American Home Shield offers adjustable payment options for both costs. You can choose between a service fee of $75, $100, or $125; the higher your fee, the lower your monthly premium will be. Here are the premiums for a service call fee of $75.
Plans |
Monthly Premium |
Yearly Premium |
|---|---|---|
ShieldSilver™ |
$49.99 |
$599.88 |
ShieldGold™ |
$59.99 |
$719.88 |
ShieldPlatinum™ |
$74.99 |
$899.88 |
These prices may vary depending on the size or location of your home and any additional coverage you want, so call 844-529-9298 or fill out this online form to get a free, personalized quote.
Liberty Home Guard
A newcomer to the industry, Liberty Home Guard nevertheless ranks as one of the best home warranty companies in Memphis. We find it to be a particularly trustworthy company given its A+ rating with the Better Business Bureau.
Liberty Home Guard Plans
Here are the three plan options offered by Liberty Home Guard.
| Plans | System Guard | Appliance Guard | Total Guard |
| Air Conditioning | ✓ | — | ✓ |
| Heating | ✓ | — | ✓ |
| Ductwork | ✓ | — | ✓ |
| Plumbing | ✓ | — | ✓ |
| Electrical | ✓ | — | ✓ |
| Water Heaters | ✓ | — | ✓ |
| Clothes Washer | — | ✓ | ✓ |
| Clothes Dryer | — | ✓ | ✓ |
| Kitchen Refrigerator | — | ✓ | ✓ |
| Built-In Microwave | — | ✓ | ✓ |
| Dishwasher | — | ✓ | ✓ |
| Garbage Disposal | — | ✓ | ✓ |
| Range/Oven/Cooktop | — | ✓ | ✓ |
| Ceiling and Exhaust Fans | — | ✓ | ✓ |
| Garage Door Opener | — | ✓ | ✓ |
Additionally, Liberty Home Guard will cover a variety of additional items and services. No other company on this list offers coverage for cleaning, pest control, or re-key services.
- Pool and spa
- Additional spa
- Gutter cleaning
- Floor/carpet cleaning
- Sump pump
- Septic system pumping
- Limited roof leak
- Pest control
- Central vacuum
- Standalone freezer
- Re-key
- Second refrigerator
- Well pump
Liberty Home Guard Prices
Liberty Home Guard’s service fee is particularly low at $60, meaning that it may be the best option for those who anticipate needing a lot of contractor visits. Considering this low service call fee, the company’s premiums are also very reasonable.
Plans |
Monthly Premium |
Yearly Premium |
|---|---|---|
System Guard |
$49.99 |
$599.88 |
Appliance Guard |
$39.99 |
$479.88 |
Total Guard |
$59.99 |
$719.88 |
Call 866-452-9107 or fill out this quick form to receive a personalized quote from Liberty Home Guard.
First American Home Warranty
Finally, First American Home Warranty offers plans that represent an excellent value for the money you’ll spend. The company’s Basic Plan is the least expensive option on our list.
First American Home Warranty Plans
This coverage list is unique to First American Home Warranty customers in the Mid-South, including Tennessee.
| Plans | Basic Plan | Eagle Premier Plan |
|---|---|---|
| Heating | ✓ | ✓ |
| Ductwork | ✓ | ✓ |
| Central Air Conditioning | ✓ | ✓ |
| Electrical System | ✓ | ✓ |
| Garage Door Openers | ✓ | ✓ |
| Attic, Ceiling, and Exhaust Fans | ✓ | ✓ |
| Central Vacuum System | ✓ | ✓ |
| Plumbing System and Stoppages | ✓ | ✓ |
| Toilet Tanks and Bowls | ✓ | ✓ |
| Water Heater | ✓ | ✓ |
| Circulating Pump | ✓ | ✓ |
| Sump Pump | ✓ | ✓ |
| Whirlpool Bath Pump and Air Switch Assemblies | ✓ | ✓ |
| Pressure Regulators | ✓ | ✓ |
| Built-In Microwave | ✓ | ✓ |
| Dishwasher | ✓ | ✓ |
| Oven/Range/Cooktop | ✓ | ✓ |
| Garbage Disposal | ✓ | ✓ |
| Instant Hot Water Dispenser | ✓ | ✓ |
| Trash Compactor | ✓ | ✓ |
| Kitchen Refrigerator | ✓ | |
| Clothes Washer and Dryer | ✓ | |
| First Class Upgrade | ✓ |
The First Class Upgrade, an option only offered by First American, extends coverage to damage from improperly installed or repaired appliances or systems. It will also cover limited upgrade and permit fees. Additionally, you can purchase separate coverage for the following.
- Additional refrigeration (up to 4 units)
- Eco Upgrade
- Pool and/or spa equipment
- Pre-season HVAC tune-up
- Septic tank pumping/system (includes grinder pump)
- Well pump
First American Home Warranty Prices
Along with an industry-standard $75 service call fee, First American Home Warranty offers reasonable premium prices for both of its plans.
Plans |
Monthly Premium |
Yearly Premium |
|---|---|---|
Basic Plan |
$35.83 |
$430.00 |
Eagle Premier Plan |
$50.42 |
$605.00 |
Additional coverage options, including the First Class Upgrade, are priced separately. To get a free quote, fill out this form or call 800-891-9778.
Choice Home Warranty
Depending on your budget and coverage needs, American Home Shield might not be the ideal provider for you. That’s why we also recommend Choice Home Warranty, which excels in the area of customer service.
Choice Home Warranty Plans
Rather than divide plans up by systems and appliances, Choice Home Warranty offers a Basic Plan that covers both. The Total Plan adds coverage for some of the more expensive-to-repair home items.
| Plans | Basic Plan | Total Plan |
|---|---|---|
| Air Conditioning System | — | ✓ |
| Heating System | ✓ | ✓ |
| Electrical System | ✓ | ✓ |
| Plumbing System | ✓ | ✓ |
| Plumbing Stoppages | ✓ | ✓ |
| Water Heater | ✓ | ✓ |
| Whirlpool Bathtub | ✓ | ✓ |
| Refrigerator | — | ✓ |
| Oven/Range/Stove | ✓ | ✓ |
| Cooktop | ✓ | ✓ |
| Dishwasher | ✓ | ✓ |
| Built-In Microwave | ✓ | ✓ |
| Garbage Disposal | ✓ | ✓ |
| Clothes Washer | — | ✓ |
| Clothes Dryer | — | ✓ |
| Ductwork | ✓ | ✓ |
| Garage Door Opener | ✓ | ✓ |
| Ceiling and Exhaust Fans | ✓ | ✓ |
With either plan, you can also purchase coverage for these items.
- Pool/spa
- Well/sump pump
- Central vacuum
- Limited roof leaks
- Septic system
- Second refrigerator
- Standalone freezer
- Septic tank pumping
Choice Home Warranty Prices
The industry standard service call fee is $75. Choice Home Warranty’s service fee is a little higher at $85, but its premiums clock in on the lower end of the scale. If you don’t anticipate using your home warranty very often, this might be the provider for you.
Plans |
Monthly Premium |
Yearly Premium |
|---|---|---|
Basic Plan |
$36.17 |
$397.87 |
Total Plan |
$43.85 |
$482.35 |
Learn More: Choice Home Warranty Review
Our Conclusion
American Home Shield receives our overall recommendation for the wide range of protection it offers and its generous coverage caps, but every company on this list stands out in a different way. Choice Home Warranty, with its 90-day workmanship guarantee, is our choice for Best Service. Liberty Home Guard’s many satisfied customers earn it Most Trusted Status. Finally, First American Home Warranty’s low prices and First Class Upgrade earn it the title of Best Value.
FAQs About Memphis Home Warranties
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.