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Best Home Warranty in Charlotte, NC

best home warranty company in charlotte north carolina review

Are 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 North Carolina 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.

Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
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Best Overall
98.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
97.6

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

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

The Best Home Warranty Companies in Charlotte

Our highest-rated home warranty companies in Charlotte include:

Compare Charlotte Home Warranty Providers

With more than 70 home warranty providers in the Charlotte area, it can be difficult to narrow down which one will be the best for your home. At Review Home Warranties, we have analyzed things like the monthly cost, service fees, BBB ratings, customer service reviews, and more. Here is how the top seven home warranty plans in Charlotte ranked.

Provider

Visit Site

Best For

Monthly Cost

Service Fee

BBB Rating

Choice Home Warranty

Site

Best Overall

$40 – $48

$85

B-

American Home Shield

Site

Most Customizable

$50 – $60

$75 – $150

B

Select Home Warranty

Site

Most Affordable

$36 – $38

$60

B

Liberty Home Guard

Site

Best Reviewed

$40 – $60

$60

A

Cinch Home Services

Site

Best Workmanship

$28 – $40

$100 – $150

A-

First Premier Home Warranty

Site

Best Coverage

$45

$75

B-

ServicePlus Home Warranty

Site

Best Emergency Service

$41 – $45

$75 – $125

A

Charlotte Home Warranty Costs 

The number one factor that will help most homeowners decide if a home warranty is worth it, will be the pricing. At Review Home Warranties we have done in-depth research to try and help homeowners have a general idea of what the average cost of a home warranty plan is. Having these average costs in mind will help you decide if you are getting a great value for your home warranty plan. Here are the average home warranty costs for Charlotte homes, based on the type of home you are living in. 

Type

Average Annual Premium

Overall

$680.90

Single Family Home

$588.02

Multi-Family

$1,038.44

Townhome

$504.62

Condo

$569.28

Duplex

$827.89

Home Over 5,000 sq ft

$1,232.50

Home Under 5,000 sq ft

$639.89

Charlotte Home Warranty Company Reviews

Narrowing down the best home warranty for your Charlotte home can take some time and consideration. The most helpful thing to look for in a home warranty is coverage. If a plan fits within your budget and protects the system and appliances that you are most concerned about, then you have found the perfect match. A Charlotte home warranty should have excellent customer service, a long workmanship guarantee, and the ability to add on coverages to meet the needs of your home. 

1. Choice Home Warranty: Best Overall 

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 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

Cons

  • Comprehensive coverage options 
  • Easy to understand service contract
  • Low pricing
  • Fair service fees 
  • Great customer service
  • Only two plans to choose from 
  • No custom plan options 

Plans and Pricing

There are two Choice Home warranty plans; the Total Plan is the best for Charlotte residents because it has more coverage, including HVAC coverage. The service fee with Choice Home Warranty is $85, which is considered to be fair. 

Plan

Cost Per Month

Service Fee

Basic Plan

$42

$85

Total Plan

$50

$85

Coverage:

Most of the appliances and systems covered under the Choice Home Warranty have a $3000 coverage cap. The higher coverage cap will ensure that even high-end systems and appliances are properly covered. 

Customer Reviews:

Technician was excellent. He did a great job with the repair. He communicated with me every step of the way and went above and beyond what I would have expected. I would recommend him to others for repairs. In the future, I would use Choice warranty again. Home choice was there when I needed them. Thank you. Brian T.” Source

2. American Home Shield: Most Customizable 

The American Home Shield is the most customizable plan 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

Cons

  • Customization of plan options
  • Can choose a pricing/service fee that works for your budget
  • More than 50 years of experience
  • High coverage caps
  • Large network of contractors 
  • Pricing of the plan tends to be a little higher than other home warranties 

Plans and Pricing

The fact that you can pick and choose coverages for your Charlotte home makes the American Home Shield plan very appealing. The service fees are also customizable to ensure that you find a monthly plan/service fee option that fits the needs of your home. 

Plan

Cost Per Month

Service Fee

Silver Plan

$45

$75 – $125

Gold Plan

$55

$75 – $125

Platinum Plan

$79

$75 – $125

Coverage:

There are very high coverage caps associated with the American Home Shield home warranty. In addition, you can add coverages like swimming pools and spas to make this even more comprehensive coverage. 

Customer Reviews:

I am really happy that I have their coverage. I got it when I purchased my condo, and I have continued on my own year after year. Anytime I have, and appliance issue or I just have questions, American Home Shield has always been available, courteous, professional, and informative. I will continue to do business with them in the future. I have been with them for four years now.Source

3. Select Home Warranty: Most Affordable 

The 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 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

Cons

  • Clear and concise plan options
  • High workmanship quality
  • Free roof leak coverage with plan 
  • Affordable home warranty plan 
  • Coverage caps tend to be slightly lower 

Plans and Pricing

The three home warranty plans from Select Home Warranty include the Gold Care, Bronze Care, and Platinum Care plan. The Platinum Care plan includes both system and appliance coverage, and it is just a few dollars more per month. With very fair service fees and impressive overall pricing, the Select Home Warranty is an excellent choice for a fairly priced home warranty plan. 

Plan

Cost Per Month

Service Fee

Gold Care

$41

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage:

The coverage associated with the Select Home Warranty is quite good. However, the coverage caps are considerably lower than they are for the American Home Shield or Choice Home Warranty. These lower coverage caps help keep the overall pricing of the policy down. If you have a high-end system or appliance, keep this in mind. 

Customer Reviews:

Both Jermel and Ron’s customer service was outstanding. Jermel was very attentive to my needs and comforting to my concerns. I placed an online service ticket, and within 3 hours, I was contacted, and within 2 hours, I was paired with John of Long Engineering. John came right over on a Friday at 5:15 pm. Now, this is what I call great customer service. When John called in to report the problem, the customer rep asked to speak with me and informed me that he would escalate the approval because of the extreme heat conditions. So far, so good.”  Source

4. Liberty Home Guard: Best Reviewed 

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. 

Pros

Cons

  • Impressive BBB rating
  • Great customer service
  • A long list of add on coverage options 
  • 60 Day Workmanship guarantee 
  • Newer company with slightly less experience 

Plans and Pricing

The Total Home Guard plan from Liberty Home Guard is one of the best in the industry. With the Total Home Guard, homeowners will have access to a low service fee, impressive policy options, and coverage for both systems and appliances. 

Plan

Cost Per Month

Service Fee

Systems Guard

$49.99

$60

Appliance Guard

$44.99

$60

Total Home Guard

$54.99

$60

Coverage:

The primary coverage provided under Liberty Home Guard home warranty is average. However, when you add in the extra options, the coverage can become quite extensive. The only downside is that these coverage options come at a much higher overall price. 

Customer Reviews:

“Both Ben and Eric were great to work with at Liberty Home Guard. They were extremely knowledgeable and were able to flex with several issues that came up. We bought the policy for the people who were buying our house, and the whole process could not have been more straightforward. I highly recommend Ben and Eric to work with if you are looking for a great home warranty deal!Source

5. ServicePlus Home Warranty: Best Emergency Service 

ServicePlus Home Warranty offers the best emergency service in the Charlotte area. Having the ability to get a home warranty company out to your home within a 24 hour period is an excellent benefit of the plan. SerivcePlus Home Warranties emergency service comes at a cost, but the general service from this company is also quite fast. In addition to the speed of service, ServicePlus home warranty also has very good workmanship. 

If you care about the quality of work and the technicians that are chosen to complete the job, then ServicePlus is an excellent option to consider. The ServicePlus home warranty has been on the market for five years, and they have done a great job of proving to customers that they are a strong plan. 

Pros

Cons

  • Very fast response times
  • Strong workmanship quality 
  • An extensive network of technicians
  • Fairly priced plan choices 
  • Some emergency services have an upcharge 

Plans and Pricing

The plans from the ServicePlus home warranty are meant to be straightforward and straightforward. The Platinum Plan makes an excellent choice for the homeowner that is interested in more comprehensive coverage with a fair service fee. 

Plan

Cost Per Month

Service Fee

Gold Plan

$42

$75

Platinum Plan

$46

$75

Coverage:

The overall coverage of the ServicePlus home warranty is quite good. Homeowners find that for the pricing the plan is offered, the converge caps and depth of coverage is fair. However, where this plan stands out is in the speed of the service they provide. 

Customer Reviews:

My air conditioner broke on Thursday, and I filed a claim with THP the same day; the next day, a technician arrived at my home and fixed the problem on the spot. Reasonable prices, excellent customer service, and fast responses to claims. I am pleased with the services provided by this company.” Source

6. First Premier Home Warranty: Best Coverage 

The First Premier Home Warranty offers the best coverage in the Charlotte area. The way that FIrst Premier stands apart from other home warranty companies on the market is the fact that they have a large number of covered items for a very low price. With the First Premier Home Warranty plan, customers can get more than 15 covered items with just the basic plan. The unique approach to the market is new, as the First Premier home warranty is only about one year old. 

In the first year that they have spent in the industry, First Premier has managed to earn an A rating with the BBB. This is something that many companies will never earn. If you are serious about an excellent home warranty policy, with quick response times and an easy-to-follow claim submittal process, First Premier is a smart choice. 

Pros

Cons

  • New company eager to earn business
  • Impressive BBB rating for a new home warranty brand 
  • Fairly priced policies 
  • Easy to submit claims and requests
  • Quick response times 
  • Have not been on the market for long 

Plans and Pricing

The two plans from First Premier are priced very fairly. The Platinum Plan has more than 18 covered items offered at a very fair price. In addition, the service fee from First Premier is below the average cost. 

Plan

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage:

The coverage from First Premier home warranty is quite good. The number of covered items will rival any plan on the market. However, the coverage caps are considerably lower than other home warranty plans. 

Customer Reviews:

The customer service response time is PHENOMENAL !! It is refreshing to speak to someone in ******* and be able to understand them. It is also wonderful to have someone LISTEN to you and respect your concerns. After being a customer of Old Republic for nearly 20 years – we are MOST HAPPY to now do business with and trust our home warranty with the Best of the Best !!! The customer ***************** cannot be beat !”Source

7. Cinch Home Services: Best Workmanship

The Cinch Home Services offers the best workmanship for a Charlotte home warranty. When the workmanship is 180 days, you will have complete trust in the repair that is made on your home system or appliances. The Cinch Home Services plan has been on the market for more than 40 years, and they have an excellent idea of what customers need and the coverages that matter the most. You will be able to protect all areas of your home with the Cinch Home Services plan in place. 

Another great thing about the Cinch Home Services home warranty is the way they work with you as a homeowner. Each year you will get a credit to use towards new AC filters. Cinch Home Services wants you to perform your routine maintenance so that everyone can benefit from this home warranty plan. 

Pros

Cons

  • 180-day workmanship guarantee
  • Great customer service
  • More than 40 years in the industry 
  • Extensive coverage options 
  • Service fees are higher 

Plans and Pricing

There are three home warranty plans from Cinch Home Services. These plans have a customizable service fee that allows you to find a monthly plan price that will work for your needs. The higher the service fee, the lower the cost per month. Although these service fees are high, remember they come with a 180-day workmanship guarantee. 

Plan

Cost Per Month

Service Fee

Appliances Plan

$44.99

$100 – $150

Built-In Systems Plan

$51.99

$100 – $150

Complete Home Plan

$61.99

$100 – $150

Coverage:

Coverage from Cinch Home Services is some of the best on the market. Remember that this company has been around for more than 40 years, and during this time, it has had its fair share of ups and downs. You will see some mixed reviews on Cinch Home Services, but the coverage is strong, and the workmanship can’t be beaten. 

Customer Reviews:

My 25-year-old microwave died. HMS gave me and installed a brand new, beautiful over-the-range microwave. That’s the kind of service we all deserve from home warranty companies. Thank you, HMS. Source

What Does a Home Warranty Cover in Charlotte

Now that you have all the information you could ever need about the best home warranty companies in Charlotte, it’s good to understand what a home warranty covers fully. The home warranty is a protection plan that can protect against issues with home systems and appliances. If you are worried about your washer, dryer, furnace, septic system, or refrigerator going down, the home warranty can help. 

Home warranties can be put into place on both old and new homes, as long as the appliances and systems are in working condition when the policy starts. The plan is designed to protect against normal wear and tear and not intentional breaks or natural disasters. A home warranty in Charlotte will fix issues as long as you are doing your part to maintain the systems and appliances in your home. 

Most Charlotte homeowners will look for a home warranty that covers both systems and appliances. This dual-type coverage ensures that a home is always well protected. 

Here are the common systems covered under a Charlotte home warranty plan:

  • HVAC (heating and air conditioning) 
  • HVAC ductwork
  • Ceiling and exhaust fans
  • Plumbing system including stoppages
  • Electrical system
  • Water heater
  • Garbage disposal

Common appliances covered under Charlotte home warranties include:

  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

Benefits of a Home Warranty in Charlotte

There are countless benefits to a home warranty in Charlotte. One of the most important to remember is the fact that homeowners can budget for repairs and replacements much easier. When a home warranty is in place, you can rest assured that one system break will not cause you to lose your savings account. Here are a few of the other benefits of a Charlotte home warranty. 

Peace of Mind

A homeowner’s peace of mind can be hard to maintain. Owning a home can be stressful, but with a home warranty in place, Charlotte, Raleigh or Greensboro homeowners can have peace of mind. Knowing that your next home repair or replacement may only cost you $75 or $100 will help you feel quite a bit better about your ability to afford your home. 

Quality Contractors 

A home warranty contractor must go through a series of qualifications and screening before they will be assigned to your home. This process helps ensure that the repairs completed in your home are well done and are of high quality. 

Fast Response Times 

The Charlotte home warranty plans have very fast response times for the issues that come up as part of your home warranty. You will likely find that the issue will be handled within a 24 to 48 hour period, certainly faster than trying to find this coverage on your own. 

Final Thoughts

The Charlotte home warranty is a very positive thing for homeowners. It is a lot to manage homeownership without the help of a home warranty. Choice Home Warranty stands out as the best overall option for Charlotte homeowners. With more than 13 years in the industry, impressive customer service, and fair pricing, Choice Home Warranty is hard to beat. When choosing a home warranty, try to find the best coverage for your individual needs for the fairest price. There are many home warranty options on our list that could be a good fit for your home; make sure to get quotes from several of them. 

Curious about home warranties in other cities around the U.S.? Check out our articles on Dallas, Las Vegas, and Madison, WI for further reading.

Our Rating Methodology 

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we’ve broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

FAQs for Home Warranties in Charlotte, NC

What Is A Service Fee? 

A service fee is a price you pay each time you schedule a repair or replacement with your home warranty company. Service fees typically range in price from around $75 to over $150. The service fee should be the only cost for homeowners. Some policies will refer to the service fee as a deductible, but they are the same thing. Once the service fee is paid, the rest of the repair should be covered. 

Are North Carolina Home Warranties Worth It? 

North Carolina home warranties are well worth the price you pay. With the changes in the seasons experienced in North Carolina, it makes sense to have all of your systems and appliances adequately covered. You will need a water heater, heating system, HVAC, and more to live in NC. Don’t try to take on the responsibility of repairing and replacing all of these on your own. 

How Much Is A North Carolina Home Warranty? 

The North Carolina home warranty will range in price from around $500 a month to more than $1200 a month. The larger your home and the more covered items you include in your policy, the higher the price. Don’t let the pricing of a home warranty keep you away. It only takes one or two repairs to justify the cost for the entire year. 

Do Home Warranties Cover Replacement Costs? 

A home warranty can cover replacement costs. The replacement costs that come with your home warranty policy will not always be enough to cover the entire replacement, but it will undoubtedly offer cost savings. Home warranty replacement costs will be limited by the coverage caps associated with your home warranty policy. High coverage caps can typically provide higher replacement costs.