8 Best Home Warranty Companies In Charlotte, NC

Our guide on the best home warranty providers in Charlotte can help you choose the best one for you.

If you're lucky enough to own a home in Charlotte, you are surely aware that homeownership can be a bit challenging. Living in a hot place like Charlotte can tax your home systems, especially in the summer when you'll be running your A.C. a lot.

Compare the Best Home Warranty Companies in Charlotte

Charlotte has many home warranty providers. At Review Home Warranties, we took the time to consider each of these providers and ranked them according to the plan's features. The monthly costs, workmanship guarantee, years in the industry, customer service reviews, and service fees were all reviewed to find the very best policies in the Charlotte area. Here's how the top providers in Charlotte rank.

Company Name Choice Home Warranty American Home Shield Select Home Warranty
Number of Plan Options 2 3 3
Monthly Plan Cost $45.00 - $53.33 $29.27 - $74.27 $57.67 - $62.08
Better Business Bureau Rating B B B
Reviews Reviews Read Choice Home Warranty Reviews Reviews Read American Home Shield Reviews Reviews Read Select Home Warranty Reviews

Charlotte's Top Home Warranty Companies'

#1 Choice Home Warranty

Editorial Rating 98.5

    Pros:
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
  • 90-day repair guarantee

Choice Home Warranty is the best overall home warranty in Charlotte. The home warranty company offers 2 plans to policyholders with various options for appliance and system coverage. The Basic Plan and Total Plan are the names of the company's plans, and it also has add-ons.

Service fees from Choice are $85. The coverage caps are also about $3,000 at the maximum. Additionally, Choice offers high coverage caps and a contract that's easy to understand.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Basic Plan $45.00 $85.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater.

Basic Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer.

Basic Plan Add On

Total Plan $53.33 $85.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator.

Total Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer.

Total Plan Add On

#2 American Home Shield

Editorial Rating 98.1

    Pros:
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
  • Broad coverage on up to 33 appliances and systems

American Home Shield is the best option for homeowners who want the most customizable in Charlotte. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum.

Service fees from AHS range from $70 to $125. The coverage caps are also about $2,500. When you purchase a plan from AHS, you can look forward to a customizable plan and a low claim denial rate.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
ShieldSilver $29.27 - $44.27 $75.00 - $125.00

View Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan.

ShieldSilver Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldSilver Add On

ShieldGold $39.27 - $54.27 $75.00 - $125.00

View Items Covered

Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan.

ShieldGold Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldGold Add On

ShieldPlatinum $59.27 - $74.27 $75.00 - $125.00

View Items Covered

Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan.

ShieldPlatinum Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldPlatinum Add On

#3 Select Home Warranty

Editorial Rating 97.6

    Pros:
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
  • 90-day repair guarantee

In Charlotte, Select Home Warranty is the most cost-effective home warranty option. The 3 policies that Select offers include options for appliance and system coverage. Homeowners can choose between Select Home Warranty's Bronze Care Plan, Gold Care Plan, and Platinum Care Plan and also add-ons.

Select's service fees are $80, and the coverage caps come out to about $2,000 for each system or appliance. When you buy a home warranty from Select, you will get an affordable service fee and free roof coverage.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Bronze Care Plan $57.67 $60.00

View Items Covered

Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer.

Bronze Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Bronze Care Plan Add On

Gold Care Plan $57.67 $60.00

View Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater.

Gold Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Gold Care Plan Add On

Platinum Care Plan $62.08 $60.00

View Items Covered

Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages.

Platinum Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Platinum Care Plan Add On

#4 The Home Service Club

Editorial Rating 97.2

    Pros:
  • Policy starts in ten days
  • 24/7 customer service support
  • Generous coverage caps on important systems and appliances
  • 30-labor guarantee and 90-day parts guarantee
  • Offers utility and home service outside line coverage

The Home Service Club offers the best quick service home warranty option for Charlotte residents. HSC has 2 simple plans, making the selection process quick and easy. The Home Service Club's plans are Standard Coverage Plan and Comprehensive Coverage Plan.

Service fees from HSC are $60, $75, or $95, depending on the plan you choose. The coverage caps are also about $2,000. If you'd like quick coverage just 10 days after purchasing the policy and a 30-day labor guarantee and a 90-day parts guarantee, HSC is the provider for you.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Standard Coverage Plan $50.40 $60.00 - $95.00

View Items Covered

Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater.

Standard Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Standard Coverage Plan Add On

Comprehensive Coverage Plan $62.90 $60.00 - $95.00

View Items Covered

Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan.

Comprehensive Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Comprehensive Coverage Plan Add On

#5 Liberty Home Guard

Editorial Rating 96.5

    Pros:
  • Very highly rated among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Extensive list of 20+ add-on coverages
  • Easy claims process

Liberty Home Guard is a great option for homeowners who'd like the most trustworthy in Charlotte. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. Liberty Home Guard's plans are Appliance Guard, Systems Guard, and Total Home Guard.

Liberty's service fees are $75, and the coverage caps come out to about $3,000 for each appliance or system. When you buy a plan from Liberty, you will get guaranteed professionalism for every repair and some of the best customer service in the industry.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Appliance Guard $69.99 $75.00

View Items Covered

Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer.

Appliance Guard Included Item

View Add-on Items

Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser.

Appliance Guard Add On

Systems Guard $74.99 $75.00

View Items Covered

Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater.

Systems Guard Included Item

View Add-on Items

Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser.

Systems Guard Add On

Total Home Guard $79.99 $75.00

View Items Covered

Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater.

Total Home Guard Included Item

View Add-on Items

Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser.

Total Home Guard Add On

#6 Cinch Home Services

Editorial Rating 95.7

    Pros:
  • Offers home insurance deductible of $500
  • Extra long 180-day workmanship guarantee
  • Offers free cancellation in the first 30 days

For homeowners who want the best workmanship guarantee in Charlotte, Cinch Home Services is the best option. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. The home warranty plans from Cinch Home Services include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.

Service fees from Cinch range from $75 to $150. The coverage caps are also typically around $1,000-$2,000. Additionally, Cinch has a 180-day workmanship guarantee and a wide range of coverage options.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Appliances Plan $34.99 - $50.99 $75.00 - $150.00

View Items Covered

Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer.

Appliances Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Appliances Plan Add On

Built-in Systems Plan $39.99 - $57.99 $75.00 - $150.00

View Items Covered

Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan.

Built-in Systems Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Built-in Systems Plan Add On

Complete Home Plan $49.99 - $67.99 $75.00 - $150.00

View Items Covered

Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan.

Complete Home Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Complete Home Plan Add On

#7 First Premier Home Warranty

Editorial Rating 95.3

    Pros:
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls

In Charlotte, First Premier Home Warranty offers the best coverage home warranty . The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. Its plans are Premier Plan and Platinum Plan.

FPHW has coverage caps of around $1,500 for most systems and appliances, but with some plans, the coverage caps can be higher, so it's important to verify with the provider. Service fees are $75. With a home warranty from FPHW, you can enjoy a quality customer service team and coverage for your appliances and home systems at affordable prices.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Premier Plan $35.00 $75.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door, Microwave, Oven, Plumbing system, Plumbing stoppages, Sump pump, Trash compactor, Water heater.

Premier Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum.

Premier Plan Add On

Platinum Plan $43.00 $75.00

View Items Covered

Air conditioning, Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door opener, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Sump pump, Trash compactor, Washer, Water heater.

Platinum Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum.

Platinum Plan Add On

#8 First American Home Warranty

Editorial Rating 94.7

    Pros:
  • Established company with a BBB accreditation
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • 24/7 service calls available
  • Offers replacement of some covered items that are too damaged to repair

First American Home Warranty offers the best appliance home warranty option for Charlotte residents. First American has 2 simple plans, making the selection process easy. The plans that First American offers to homeowners are Basic Plan and Premier Plan.

The coverage caps for First American's plans are around the $1,500 mark for most of the major appliances and systems, and service fees are $85. If you want comprehensive appliance coverage and a unique add-on that covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified., you'll want to have this plan on your side.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Basic Plan $38.00 $85.00

View Items Covered

Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser.

Basic Plan Included Item

View Add-on Items

Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade.

Basic Plan Add On

Premier Plan $48.50 $85.00

View Items Covered

Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser.

Premier Plan Included Item

View Add-on Items

Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade.

Premier Plan Add On

What does a Home Warranty Cover in Charlotte?

Now that you know of the best home warranty providers in Charlotte, it's time to consider what they will actually cover. A home warranty is in place to protect against normal wear and tear of systems and appliances. The point of a home warranty is to help reduce the expenses related to repairing and replacing your systems and appliances such as your refrigerator or plumbing. If your property has a pool and spa, this is something to take into consideration as well.

Some of the most common systems covered under a home warranty in Charlotte are:

  • Electrical system
  • Water heater
  • HVAC (heating and air conditioning)
  • Plumbing system

The appliances commonly covered are ones such as:

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

Cost of a Home Warranty in Charlotte?

At Review Home Warranties, we have done thorough research to figure out the average costs of a home warranty plan in Charlotte. The cost of a home warranty plan will vary based on your coverage choices, type of home, and the service fee that you pick.

On average, home warranty premiums range from $30 to $80 per month and service fees from $60 to $150. The exact cost depends on which plan you choose and what kind of coverage it has. Plus, if you need any add-on coverage, that will increase the cost. Keep these costs in mind as you shop and look through the plan choices available to you.

Is a Home Warranty Worth It in Charlotte?

You may want to purchase a home warranty for personal reasons. There could be some old systems and appliances that make you nervous when it comes to breakdowns. Whatever your reason is, it's necessary that you understand the pros and cons of the home warranty. Here are some of the benefits:

  • Fast response times--It can be challenging to get a contractor you found yourself to commit to a schedule or a fast response. A home warranty company generally guarantees service within a specific period, letting homeowners get things done quickly and move on.
  • Peace of mind--As a homeowner, you may be concerned about your microwave or stove failing at any time. A home warranty can give you peace of mind that in the event that something breaks, you won't have to deal with it yourself.
  • Workmanship guarantee--This makes sure that in the event the problem with your appliance or system isn't fixed the first time, the home warranty will keep assisting you with it.
  • Quality contractors--There are many difficulties that come hand in hand with an appliance or system needing repairs, and one of them is finding a contractor. Your home warranty can do this for you, which takes a load off.

And here are some of the potential cons of a home warranty:

  • Waiting period--After getting a home warranty policy, you typically have to wait about 30 days before coverage kicks in.
  • Coverage cap--The coverage limit determines how much your home warranty plan will pay for a repair or replacement. If you have to get a replacement that is more than this amount, you will have to pay for the rest yourself.

Along with money, a home warranty can save you a lot of time and effort too. Rather than calling several technicians for estimates, you can just call your home warranty company and they'll handle the repair for you for just a service fee.

FAQ's for Home Warranties in Charlotte

What's the best home warranty company?

The top home warranty provider in Charlotte is Choice Home Warranty. Choice Home Warranty has good customer service and a large network of professional technicians in the area.

How do you use a home warranty?

When a home system or appliance fails, your home warranty can help. First, you submit a claim, which you can do on the phone or online. Then, the home warranty company will send a contractor to your home and you will pay a service fee once the problem has been resolved.

What kinds of things does a home warranty typically cover?

The systems and appliances in a home are covered under a home warranty policy in Charlotte. The policy you choose will determine which systems and appliances are covered, but everything from your fridge to your pool can be covered under a home warranty.

Is it a good idea to buy a home warranty?

Many homeowners find a home warranty is a good investment since it can help protect against unforeseen large expenses. When you need to fix an appliance or system in your home, you'd just have to pay the service fee, which can give you some financial peace of mind.

Should I get a home warranty policy?

A home warranty can help real estate agents, home buyers, home sellers, homeowners, and investors. It can offer peace of mind and savings to anyone involved in homeownership.

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 we value in our review process:

  • Plan options: Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics: The more items covered in a home warranty plan, the higher the score.
  • Pricing: We take the monthly fee and service fee into consideration when rating pricing.
  • Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability: 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: 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: 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.

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