Top Best Home Warranty Companies In North Carolina Review

Curious how you can protect your home and wallet in North Carolina with coverage from home warranty company?

You’ve come to the right place.  In this guide you will learn:

  • What is a home warranty for a NC resident?
  • Why should you have home protection in state of North Carolina? 
  • What should you look for when purchasing an NC home warranty?
  • And much more!

For most of us, our home is our most valuable investment. That’s why you want to do everything you can to protect that investment. A home warranty from a trusted company with the right coverage can help you protect that investment. Knowing everything you can about companies, plans, and options is the best way to make sure you are taking the right steps to take care of your home.

Editor's Choice

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall

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

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

That’s why we’ve collected information from nearly 70 companies and analyzed thousands of reviews to provide you the most current and important information and make this process easier for you. Want to find out which coverage is most suited for your needs? Continue reading!


Best Home Warranty Companies in North Carolina

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $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 97.0
  • 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 96.5
  • $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 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • 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

Disclosure: 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.

A home warranty in North Carolina is a very accessible commodity. About 65% of the state residents own their houses, and every single one of them can find a home warranty plan that fits their needs and protects all major home systems and appliances on their property. has gathered multiple reviews on the leading company plans, compared them, and ranked them accordingly.

Why do you need a home warranty in North Carolina?

North Carolina is a beautiful state that has extensive beaches in the East, including the world-famous Outer Banks, and the Appalachian Mountains in the West on the border with Tennessee. The variety of landscape brings many differences in climate, which in turn may have an influence on the wear and tear of home systems and appliances.

How North Carolina CLimate May Influence The Selection of a Home Warranty

Source: North Carolina Climate Office

If you live close to the Atlantic Ocean, from Duck to South Brunswick, where the climate is more hot and humid than in the rest of the state, you might notice that your air conditioning system needs frequent maintenance and repair.

A home warranty offers peace of mind by helping you cover the cost of those repairs and replacements more easily. It is meant to cover breakdowns on common systems and appliances in your home that happen due to normal wear and tear.

So whether you own real estate on the coast, in greater Charlotte, Raleigh, Ashville, or anywhere in between, the best home warranty companies in North Carolina, including Select Home Warranty, provide great coverage for this particular home system.

Some of these top home warranty companies, like Service Plus, take it a step further, covering not only one, but two air conditioning systems in one residence. This coverage comes in handy for the North Carolina owners of bigger houses who have a separate air conditioning system on each floor.

Additionally, high humidity may influence the operation of your home appliances. Replacing a refrigerator or dishwasher may cost you several thousand dollars. Home warranty companies like American Home Shield (AHS) or Cinch Home Services will take care of them for you.

The mountain area in North Carolina, on the contrary, is much cooler than the coastal line. You have to be sure that your heating system is always in good working condition. A good home warranty plan, such as the one offered by Choice Home Warranty, will cover the repairs or replacement of all parts of the system crucial to its operation.

What should you know about a home warranty company?

Before investing your money, you want to invest some time getting to know all you can about the home warranty companies at the top of your list. Once you have decided which home systems and appliances you want to be covered under the home warranty, it is time to check the terms and conditions of the company of your choice. The best home warranty companies in North Carolina may offer similar terms but their coverage plans may differ significantly.

Does this home warranty company operate in North Carolina?

This may seem obvious, but many potential home warranty buyers forget to verify this information. Before you select a home warranty plan, the first thing that you need to do is to make sure that the company you selected operates in your state. We make every effort to verify this information with the company representative, but it may change.

Home warranty regulations in North Carolina

Before you even sign a contract with a home warranty, it is important to know which authority regulates its operation. In North Carolina, this is the Department of Justice. One of the primary functions of this Department is to protect consumers, so if you ever have a complaint about any home warranty company operation in North Carolina, feel free to call 1-877-NO-SCAM.

What do other people say about this home warranty company?

Second, take a moment to read our Customer Reviews section and see what other people say about the company. We sift through reviews from old standards like the Better Business Bureau, as well as consumer review sites like Yelp, Google Reviews, and Ripoff Report. Unfortunately, people tend to leave feedback more often if they have something negative to say, but we try to be objective and take into consideration both negative and positive reviews.

Will you get the coverage that you need?

Once you decide that this company is a good fit for you, take a moment to check the coverage. Does the company offer home warranty plans in North Carolina that cover all the home systems and appliances under one plan? If not, are the items that you want to be covered available under the optional coverage?

Whether you own a single-family home, townhome, condo, or mobile home, you can get coverage for it through most home warranty providers operating in NC. 

In addition to coverage of specific systems and appliances, you'll want to review things like response times, workmanship guarantees, and whether or not home warranty a service provider covers older systems and appliances. 

So, even if you like the price, it's important to find out the specifics of what a plan covers so you protect the appliances and systems that are most important to you.

How To Choose The Right Home Warranty Plan in North Carolina

You decide to purchase a home warranty but not sure which plan to choose? Let us help you make your choice. We have analyzed and compared different home warranty plans from the top companies and based on our finding we wrote a tutorial on how to select the best home warranty plan for you.

Read Our Research On Industry Favorite Warranty Plans

What are the coverage limits?

The next step would be to check the coverage limits. Not every company makes this information readily available, but we tried to collect as much of it as possible, as this makes a huge difference in your decision to sign a contract with a particular company.

Coverage limits may differ a lot from company to company. For example, Service Plus Home Warranty allows maximum coverage of $1,500 for air conditioning and heating systems per contract term, while American Home Guard caps this coverage at $500 per term. 

For the best coverage limits, you'll want to choose American Home Shield or Choice Home Warranty, both with coverage limits up to $3,000 for certain items

Want to continue the conversation on finding the right warranty company for you? Check out this video on limits, coverages, and questions to consider.

Do you need an initial inspection?

In some cases, a home warranty company in North Carolina may initiate an initial inspection of the home systems and appliances that you would like to cover. Any malfunction found during this inspection will be noted as a pre-existing condition and will not be covered under the home warranty plan.

To discover specific coverage details on a per-company basis it is recommended you read through our North Carolina home warranty reviews. We have covered more than 10 companies offering service to North Carolina residents to date, and plan on covering dozens more.

Young couple buying a home warrantyNow you can sign a contract!

As soon as you have the answers to these questions and any other concerns that you might have, it is time to sign a contract with the home warranty company of your choice. Please keep in mind that in many cases the coverage does not start as soon as the contract is signed. There is usually a waiting period of 30 days.

Once you have signed and paid the premiums, here's how the home warranty will work.

  • When a problem arises on a covered item, say with your air conditioner, you'll contact the home warranty company with a service request. 
  • They will send a licensed contractor who specializes in fixing or replacing the appliance or system that is malfunctioning.
  • The contractor will assess the situation, and if the problem meets the coverage criteria, they will repair or replace the item up to the dollar limits set out in the service agreement.

So instead of a frantic search for a qualified technician when something goes wrong, you know exactly who to contact and what to expect. It can really simplify your life at times that could turn very stressful otherwise.

Best Home Warranties in North Carolina Reviewed

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).


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


  • 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!


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


  • 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!


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


  • 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.


  • 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


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

Service Plus 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

Why Do We Like Service Plus?

Service Plus 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 Service Plus 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, Service Plus 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!


  • You Can Choose Your Own Technicians
  • Roof Coverage


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

Final Words About Buying a Home Warranty in North Carolina

Buying a home warranty in North Carolina is not hard at all. Whether you own a house, townhouse, condo, or trailer, there is always a home warranty plan available for you. Finding the right plan is not always easy. To simplify this process for you, we created

Read Also: Can Your Townhome in NC Be Protected By A Home Warranty?  

We find different home warranty companies in North Carolina, read their policy terms and conditions, and analyze their coverage plans.

Additionally, we collect customer reviews from various consumer reporting sites, including the Better Business Bureau and Yelp, so that you can see the overall customer satisfaction with any given company.

We hope that our reviews and recommendations will help you find the right home warranty plan, saving you money on repairs and replacements of your home systems and appliances.

Nearby States

All states
Home warranty Virginia 38 companies available
Virginia Home Warranty
Home warranty South Carolina 34 companies available
South Carolina Home Warranty
Home warranty West Virginia 34 companies available
West Virginia Home Warranty

Frequently Asked Questions in North Carolina

Below are just some of the frequently asked questions we receive about home warranties in North Carolina.


Is a North Carolina home warranty worth it?

There are some things a homeowner’s insurance policy just doesn’t cover. If something goes wrong with your plumbing or if your refrigerator stops working, the repairs or replacement can add up quickly.

A home warranty can be a worthwhile fixed investment that covers your most important home systems and appliances from unexpected breakdown due to wear and tear. So instead of paying out thousands for one malfunction, you pay hundreds to cover multiple potential breakdowns.

What are the best home warranty companies in North Carolina?

We review and research all the major home warranty companies operating in the US. The top five picks we have for North Carolina are:

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus

What do home warranties cover?

A home warranty covers specific appliances and systems in your home from breakdown due to wear and tear. There are limits and exclusions in any policy, so you’ll want to read the service contract carefully and understand those limitations and exclusions.

Common systems covered would include:

  • Plumbing 
  • Electrical
  • HVAC, including ductwork
  • Water heater

Common appliances covered:

  • Refrigerator
  • Oven/range/stove
  • Dishwasher
  • Clothes washer
  • Clothes dryer
  • Built-in microwave

Many providers offer optional coverage on things like septic pumps, well pumps, pool and spa, central vacuum, and freezers.

How much does a North Carolina home warranty cost?

With home warranties, the cost has two components. There is the monthly premium you pay for the service contract coverage, and there is the service call fee you pay when you place a claim with the home warranty company and they send a licensed contractor to assess the problem. 

The service call fee can range from around $70 to over $125. Often, the higher the service call fee, the lower the monthly premium, so be sure to take a look at the pricing options in the home warranty plans you research.

Here is the average you would pay among the top five providers for their Combo Plan.

Combo Plan
Top 5 Average

How do I choose a good home warranty?

Here are the basic steps to take in choosing the right home warranty for you:

  1. Do the research - Which home warranty companies offer plans in North Carolina? What do the plans cover and at what cost? What is their reputation? These are the questions you need to ask to find the best options for your home. 
  2. Get multiple quotes - Find out what the plans you are most interested in will cost. Don’t just go with the first or the cheapest, but find out what you would be getting for the money from multiple providers.
  3. Read the fine print - There are monetary limitations to any home warranty coverage, and exclusions you should understand before signing any service agreement.