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Best Home Warranty in Charlotte

best home warranty company in charlotte north carolina reviewAre you looking for the best home warranty in Charlotte, NC? Or, perhaps you are wondering if you can benefit from owning a service contract with one of the top home warranty companies in your area. Either way, you are in the right spot!

In this guide, you will learn:

  • Do you need a home warranty plan in Charlotte, NC?
  • How much will comprehensive home systems and major appliances plan cost you?
  • Are there home warranty regulations in Charlotte, NC?
  • And more!

After reviewing nearly 70 home warranty companies, we created this guide with important information you should consider before buying a plan; a review of the top 5 best home warranty providers in Charlotte. Continue reading to find out everything you need to know.

Charlotte’s got a lot to offer, as it is one of the new and upcoming places to live, especially for young people. If you’re considering a move to the Queen City, homeowners appreciate the time and energy that a home warranty plan brings, as well as the added value of your property for the real estate market.

Top home warranty providers in the area will quickly and efficiently serve your appliance and system breakdowns. It’s important to note as a rule of thumb all companies that service North Carolina residents should be able to serve you if you live in the Charlotte metro.

Own A Condo In Charlotte? Check Out This Article!

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
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Top Home Warranty Companies for Charlotte Homeowners

More Than 10 Years on the Market


Most Comprehensive Coverage Available


Free Reservice Period for Parts


Emergency Service Available


Cheapest and Best Basic Plan ($34/m)

Choice Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wisconsin, Wyoming, District of Columbia

American Home Shield is one of the first companies that started providing home warranty services to homeowners and real estate agents. The company offers a variety of contracts, including customized plans.

American Home Shield Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming, District of Columbia

 Almost-Nationwide Service


 Majority of Client Reviews Online Are Positive


 Clearest Terms and Conditions


 Highest Contractor Professionalism


Best Gold Plan ("Platinum Care")

Select Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wyoming, District of Columbia, California

 Customer Service Available 24/7


 Least BBB Complaints


Great Reviews on Google Places


Reservice for Failed Parts


1 Free Month Upon Annual Sign-Up

ServicePlus Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Florida, Hawaii, Minnesota, New Hampshire, Rhode Island, Utah, Wisconsin, New Mexico, Maine, Massachusetts, North Dakota, South Dakota, Vermont, Wyoming, District of Columbia, Iowa

 Industry Veteran Award


Large and established company


 Top 3 Cheapest Plans ($25/month)


Low optional coverage costs




Coverage is capped at $500


Limited Selection of Optional Coverage Items

First American Home Warranty Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wyoming, District of Columbia

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Top 3 Home Warranty Companies in Charlotte (2021)

After analyzing 68 different companies, here’s your list of the three best home warranty providers in Charlotte:

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty

Here’s a close look at what makes these Charlotte’s best options – and what makes them different.

Company NameChoice Home WarrantyAmerican Home ShieldSelect Home Warranty
Number of Plan Options2 Plans3 Plans2 Plans
Monthly Plan Cost$45 – $55$35 – $65$36 – $45
BBB RatingBBB
ReviewsRead Choice Home Warranty ReviewsRead American Home Shield Reviews

 

Choice Home Warranty (Best Home Warranty in Charlotte)

Choice Home Warranty is the best home warranty in Charlotte. The customer satisfaction, fair pricing, and comprehensive coverage really help Choice to stand out as one of the best home warranty plans in the country.

We are always impressed with the simplicity of the Choice Home Warranty plans. It really doesn’t matter if you need something to just cover your kitchen or your entire home; you will clearly understand what you are signing up for when you choose Choice Home Warranty.

Choice Home Warranty offers help for emergency repairs and service as well. If you find that there is a major issue and it is outside the normal working hours, Choice will step in and help. Overall you won’t find a better home warranty company in Charlotte.

Pros

  • Home warranty covers both home appliances and home systems
  • Very few exclusion
  • Won’t turn down because of an older home

Cons

  • There is no option for a custom plan
  • Not available in all areas of the country, can be difficult to transfer plans

American Home Shield (Editors Choice)

American Home Shield is the editor’s choice for those living in the Charlotte, NC area. American Home Shield not only allows you to build a custom plan they also offer customers the option to customize their plan pricing.

If you are worried about service fee prices for your home, you can pay a bit more for your monthly premium. This can also be reversed, and you can pay a higher service fee and a lower monthly premium.

American Home Shield offers a wide range of additional coverage for those with pools, hot tubs, and more. If you like premium quality plans and flexibility in options, the American Home Shield will be the way to go.

Pros

  • Long history in the business
  • AHS gives customers the ability to customize a plan
  • Very low chance of claim denial

Cons

  • The pricing is high for the customized plan
  • BBB rating is only a B
  • Some optional coverages are very high priced

Select Home Warranty (Most Affordable)

Select Home Warranty is the most affordable home warranty choice in the Charlotte area. With home prices on the rise in Charlotte, the amount of money you pay out per month on a home warranty could be a consideration. If you would like to keep pricing down but the quality of the plan up, this is a perfect choice to consider.

The Select Home Warranty is the only plan on the market that will offer free roof coverage as part of their Total plan. The free roof leak coverage is just another worry removed for you as a homeowner.

The only issue with the Select Home Warranty is the fact that there are just two plans to choose from. You won’t have the ability to customize all that much, but because of that, you can expect to pay quite a bit less money per month.

Pros

  • Very affordable plans
  • Simple plan options to choose from
  • Free roof coverage with the Total plan

Cons

  • $75 Cancellation Fee
  • Must file a claim quickly, or it could be denied

Charlotte’s got a lot to offer, as it is one of the new and upcoming places to live, especially for young people. If you’re considering a move to the Queen City, homeowners appreciate the time and energy that a home warranty plan brings, as well as the added value of your property for the real estate market.

Top home warranty providers in the area will quickly and efficiently serve your appliance and system breakdowns. Its important to note as rule of thumb all companies that service North Carolina residents should be able to serve you if you live in the Charlotte metro.

Own A Condo In Charlotte? Check Out This Article!

 

Who Needs A Home Warranty in Charlotte, NC?

The truth is, it doesn’t matter who you are; with a home warranty plan, you can save money, time, and stress. However, some situations make a home service plan more beneficial.v

Homeowners/Homebuyers

Owning a home is one of the most rewarding things you can do in life. However, it comes with a lot of responsibility, too. You have to make sure all of your taxes, homeowners insurance, yard maintenance, mortgage payment, and other bills are paid on time.

A home warranty can remove some of the pressure felt by property owners, especially when it comes time for an expensive system replacement.

In Charlotte, 52.5% of homeowners own their property. If you are one of these people, no matter if you live in a luxury home in Myers Park, own an apartment in South End, a condo in downtown, or townhome in Eastover, without a home warranty, you could be susceptible to high out of pocket expenses.

Are you moving to Charlotte and looking to buy a home for the first time? Check out our tips for first-time home buyers.

Homesellers/Real Estate Agents

If you are like most people, a home warranty is not even on your radar when you are selling your home. However, your protection plan is a great way to ensure your real estate transaction runs smoothly, and after you sell your home, the contract is transferable.

Many realtors in Charlotte also give policies to their clients as a housewarming or thank you present. It is a great way to give back to your clients while protecting your own interests in the transaction.

Renters/Landlords 

Charlotte is the perfect metroplex to rent a property. As the banking capital in the southeast, the city is a major hub for jobs. In the fast-paced world of business, you never know when you might have to pick up and move to another location.

And as a renter, you want to make sure you choose a property with functioning appliances and systems.

If you are a landlord, investing in a home warranty can help prevent legal troubles, tenant complaints, city code violations, and lost rental income. While a tenant cannot lawfully withhold rent in Charlotte, you can bet that a good renter will move if you fail to fix things promptly.

Read Also: Can I Protect My Investment Property As A Landlord?

What Should You Think About When Purchasing A Home Warranty in Charlotte, NC?

In each city and state, homeowners have different concerns when it comes to home repairs. The weather, geography, location, and real estate trends all affect your home warranty needs no matter where you live in the United States.

Weather/Climate

Charlotte North Carolina Home Warranty Plans and Reviews

North Carolina has a subtropical climate with long, hot, humid summers and short, mild winters. So, you need a working air conditioner, and unfortunately, there may be times you need to use your heating system, and during the winter, you need your water heater.

Geography/Location

Charlotte is a commercial hub and major city in North Carolina that has almost double the population of the state’s capital city, Raleigh. So, many people move to the city from other areas for work opportunities and to raise families.

The large North Carolina metropolitan area has been one of the fastest-growing cities in the United States for decades. So, with all of the people moving to the area, property developers have struggled to keep up with consumer demands.

That can mean problems down the line for homeowners, which is another reason you need a home warranty in Charlotte. Also, anytime you live in a large city, it can be challenging to find a qualified repair technician; having a home service contractor can help with that too.

 

What Will A Home Warranty Cost A Resident Of North Carolina?

Home warranty costs depend on the type of coverage you want. If you want to cover all of your home systems with a comprehensive plan, you will likely need a top-tier combo plan, and that will run you around $60 a month or $650 annually.

An entry-level combo plan, appliance, or home systems package will cost you around $45 per month or less depending on the provider. However, it is essential to note that adding on coverage for pools, HVAC systems, well pumps, septic systems, and other items will increase your yearly plan costs.

Experts suggest that homeowners expect to spend nearly one percent of their home’s value on maintenance and repairs each year. That figure does not take into account significant systems repairs that can cost thousands.

While you might not need an HVAC replacement every year, you are likely to need a service technician at least once or twice per year. Even a simple plumbing stoppage can cost you $300, so most plans pay for themselves in just two visits.

 

What Types Of Plans Are Available For You In Charlotte, NC?

You have the choice of purchasing an appliance, systems, or combo plans in Charlotte.

Combo plans are the most comprehensive. Some companies only sell coverage in plans that cover both significant systems and appliance repairs and replacements. A basic policy usually covers dishwashers, garage door openers, water heaters, ductwork, electrical systems, garbage disposals, ceiling fans, exhaust fans, plumbing stoppages, and more.

Read Also: What Are The Best Plans For Appliances?

Opting for a top-level combo plan will add coverage for your built-in microwave, clothes washer and dryer, central vacuum, refrigerator with ice maker, and air conditioning systems.

Check out the video below for more information on how home warranty plans work.

 

What Are The Home Warranty Regulations In North Carolina?

North Carolina does not regulate home warranties through the Department of Insurance like some states. So, if you have an issue with a home service provider, you must file a complaint with the Consumer Protection Division of the Department of Justice or the Attorney General’s office.

 

What Is The Best Way To Choose Coverage in CLT?

The coverage you choose is particular to you and your home. So, there is no fool-proof way to select coverage. However, there are a few things to consider that should make the process easier.

North Carolina Home Warranty Coverage Options

Y

You need to make sure that you select a plan that covers the essential items in your North Carolina home. Home repair needs are area-specific.

In your area, you need a working HVAC system and heating system. So, those are two essential items to cover. You also need to think about your water heater, dishwasher, clothes washer, clothes dryer, cooktop, refrigerator, and electrical and plumbing systems.

So, we recommend a comprehensive combo plan from one of the best home warranty providers in North Carolina.

Charlotte Home Warranty Facts

 

Home Warranty Reviews

Home warranty reviews on sites like the Better Business Bureau (BBB) can be a useful resource. You can learn about first-hand customer experiences from homeowners in your area. Just keep in mind the larger a company is, the more consumer reports it will have.

Free Quotes

After you determine the coverage you need, you should get a quote from a few companies so that you can compare coverage options. In addition to plan costs, be sure that you pay attention to replacement cost limits.

 

Top Home Warranties For Charlotte, NC Reviewed

Now that you know what to look for in a plan and what coverage options you need to select for your North Carolina home, take a look at our review of the top providers in Charlotte. In it, you will find plan info and the pros and cons of choosing each of the best home warranty companies in your state.

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor’s Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive
 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Total Home Protect Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

total home protection home warranty

Why Do We Like Total Home Protect?

Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Final Thoughts On Home Warranties In Charlotte, North Carolina Location

Owning one of the best home warranties in Charlotte is about more than saving money or time, it is about the peace of mind you have knowing that you can quickly and easily fix the devices in your home that keep you healthy and comfortable. It is one of the easiest and cost-effective ways that you can protect your property investment and spend more time doing the things you love.

Read Also: Can A Home Warranty Company Help Me With Water Damage In Charlotte, NC?

 

Choice Home Warranty is our #1 ranked home warranty.