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 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 a 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.
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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
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
Majority of Client Reviews Online Are Positive
Clearest Terms and Conditions
Highest Contractor Professionalism
Best Gold Plan ("Platinum Care")Select Home Warranty Review
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 ItemsFirst American Home Warranty Review
Customer Service Available 24/7
Least BBB Complaints
Great Reviews on Google Places
Reservice for Failed Parts
1 Free Month Upon Annual Sign-UpTotal Home Protection Review
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.
What's In This Guide?
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.
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.
Top 5 Home Warranty Companies In Charlotte
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 or 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 house warming or thank you present. It is a great way to give back to your clients while protecting your own interests in the transaction.
Best 5 Charlotte Home Warranty Companies
|Charlotte Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|First American Home Warranty||From $28 to $42.50||From $75-$100|
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.
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.
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.
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 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.
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
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.
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.
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.
#1 Choice Home Warranty
For homeowners in North Carolina, our top choice for home warranty protection is Choice Home Warranty. Choice offers plans that are budget-friendly and comprehensive.
When you buy either of the combo plans, your heating system is included. The Basic Plan ($36.17 per month) and the Total Plan ($43.85 per month) both cover more than a dozen home systems and appliances.
The Total Plan adds protection for your refrigerator with ice maker, your clothes washer and dryer, and your HVAC system. However, standalone HVAC coverage is available as well.
- Heating systems are included in both plans.
- Service call fees are just $75.
- You do not have to pay for reservice of contractor work for 90 days.
- Consumers complain about service delays in some areas.
- Choice may not cover repairs on your older appliances.
- Some replacement limits are low.
#2 American Home Shield
Many real estate professionals and homeowners trust American Home Shield. It is one of the oldest home warranty providers in the United States, and it holds more home service contracts than any other company.
AHS has a proven record of success and some of the most customizable plans available. Systems plans and appliance coverage starts at $49.99 per month; you can also choose a build-your-own plan (includes 10 items for $54.99 per month) or the combo plan ($59.99 per month).
- You can choose your service fees.
- You can customize your coverage.
- AHS covers repairs completed by other providers and older appliances.
- You will have to pay more for coverage through AHS.
- Some customers have issues appliance replacements.
- AHS only guarantees warranty service contractor work for 30 days.
#3 Select Home Warranty
Our third choice for home protection coverage in Charlotte, NC, is Select Home Warranty. The plans are affordable, and the coverage options are fantastic for homeowners in your area.
You can choose from three plans. The Bronze (major appliances plan) and Gold Plans (home systems plan) each cost $35.83 per month. The third plan, the Platinum Plan, costs $37.50 per month, and it includes most of your essential home components.
- The plans are budget-friendly.
- Service call fees only cost you $75 per claim.
- You receive limited roof leak protection with all plans.
- Select does not have as many service technicians in its network.
- Service requests may take longer in some areas.
- You have to submit claims within three days.
#4 Total Home Protection
Total Home Protection is another excellent home service company. Although it is number four on our list of the top home warranty providers in North Carolina, it might be the best choice for you if your home has a septic system or well pump.
The Gold Plan ($45.33 per month) covers over 15 home systems and appliances. And, if you want to include your HVAC system, refrigerator, laundry machines, and other items, you can do so with the Platinum Plan ($52 per month).
- You can cover 15 home components with the affordable Gold Plan.
- Select offers superior septic system coverage.
- You only pay $75 per service request.
- The plans are more expensive than some providers.
- Total does not have as much experience in the home warranty industry.
- Service delays are reported in some areas.
#5 First American Home Warranty
Our final pick for homeowners in Charlotte is First American Home Warranty. While the plans are not as robust as some providers, it may be a good option for budget-conscious or first-time homeowners.
There are two plans available, an Basic Appliance plan and a Premier Combo Plan, with optional add-ons available. Plans begin at $28/month, but prices can vary by location. You will pay a flat-rate $75 per service request, which is lower than Choice Home Warranty’s $85 flat rate.
Optional add-on items are limited, but you can keep cool in the Charlotte humidity with pool and spa coverage. Pool coverage limits are $1,500 for repair and replacement, higher than other companies in the industry.
- The coverage starts at under $28 per month.
- Service call fees are just $75 per claim.
- FAHW has a positive rating on the BBB.
- There may be service call delays in your area.
- Can’t choose which contractor is sent to your home
- Limited add-on coverage items
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.