Top Best Home Warranty Companies In North Carolina Review

From the mountains of Asheville, to the city of Charlotte, all the way to the Outer Banks coast, there is a place for every homeowner in North Carolina. You can have a beach house or a mountain house in the state of North Carolina, making it one of the most versatile places to own a home. However, many NC homeowners are susceptible to scorching temperatures reaching 100ºF and cold winters where it even snows. Breakdowns of your systems and appliances can be expensive if you’re not covered by one of the best home warranty companies in North Carolina.

In this guide, we will cover . . . 

  • What is a home warranty?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 7 best home warranty companies in 2022
  • And much more!
Editor's Choice
97.0

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

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
96.5

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

If the humid North Carolina summer has hit or you are buckling down for the first big snow of the season, you may understand how important it is for your North Carolina home to have working systems and appliances. 

Home warranty companies help you save money on expensive home repairs. They also allow you to enjoy peace of mind while owning your home. If you are looking for the best home warranty companies in NC, we have all the information you need.

 

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

Top 7 Best Home Warranty Companies in North Carolina:

Compare North Carolina Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

North Carolina Home Warranty Costs 

The cost of a home warranty will likely be the most critical factor to consider for North Carolina homeowners. Although many homeowners can understand the benefits of a home warranty, it can sometimes be challenging to accept and manage the costs involved with the plan. North Carolina residents can now have a better idea of the typical costs of a home warranty plan. At Review Home Warranties, we analyzed all of the home warranty plans on the market and came up with averages for all different types of homes. Before you get your quote from one of our top providers, try to familiarize yourself with these averages. There is information on this chart that will apply to all types of homes. 

Type

Average Annual Premium

Overall

$680.90

Single Family Home

$588.02

Multi-Family

$1,038.44

Townhome

$504.62

Condo

$569.28

Home Over 5,000 sq ft

$1,232.50

Home Under 5,000 sq ft

$639.89

North Carolina Home Warranty Companies Reviews

At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top seven home warranties for North Carolina homeowners. We had to break down things like overall pricing, service fees, years in the home warranty market, coverage options, coverage limits, and more when looking at these policies. Here are our reviews of the top home warranty companies in the state of North Carolina. 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty company in North Carolina. Homeowners in North Carolina do not want a home warranty policy that is difficult to understand or has lots of fine print involved. Luckily with Choice Home Warranty, this won’t be an issue. In addition, both of the Choice Home Warranty policies offer both system and appliance coverage as part of the plan. 

Pros

Cons

Comprehensive plan options

Choice won’t allow you to build out a plan the way other home warranty companies do  

Simple contract

 

Fair overall pricing 

 

Reasonable service fees

 

A good sign-on incentives and cancellation policies

 

Plans and Pricing 

Even though the Choice Home Warranty only has two plan options to choose from, there are both systems and appliances on both plans. In a state like North Carolina, where there are changes in seasons and humidity to deal with, you don’t want to go without system coverage. All homeowners use their appliances almost daily, and therefore the combo Total Plan becomes a great overall pick for homeowners in NC. The Total Plan covers all 14 items the Basic Plan covers, plus four more: washer, dryer, refrigerator, and air conditioning. Air conditioner coverage is essential when living in a state with hot and humid summers like North Carolina. Although CHW's service fee may seem high, the low monthly premiums and extensive coverage makes Choice the best home warranty company in North Carolina. 

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

Coverage

Choice Home Warranty has one of the more reasonably priced policies on the market, and the reason behind this is partly because of the way the plan is designed. The Basic Plan has some of the major systems and appliances, but you may not feel it has enough coverage for your home. The Total Plan is a bit more expensive but certainly a more comprehensive choice. Some of the coverages that North Carolina homeowners take full advantage of include... 

  • Plumbing system 
  • Washing Machine
  • Water Heater
  • HVAC system
  • Oven   

What Customers Are Saying: 

ConsumerAffairs customer reviews:

“We have been a customer of Home Choice for several years and used it twice, last yesterday. We called late pm, got an immediate email confirmation, and within 60 minutes, confirmation that a technician was at our house between 11 and 3 pm the following day. At 10 pm, we got an email from the technician confirming the appointment. Also, three additional confirming emails from Home Choice. At 11 am, we received a mail from the technician apologizing that he would only arrive at 11.30, which he did. He solved our problem in 30 minutes. We highly recommend Home Choice”

"My garbage disposal was leaking underneath of it. I requested a service call, it was very quickly set up for next day. A service guy came in, check it out, it was beyond repair and replace it with a brand new one. I am pretty satisfied with the service and prompt response"

"Very responsive and customer friendly. Online tools at website were easy to access and use. Submitting claim for service was easy and no problem at all. The almost simultaneous email feedback was great as well. I am new to Choice and am very pleased so far."

Find our more information on our Choice Home Warranty Review.

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for North Carolina residents. As we mentioned, North Carolina homes could be in the mountain or along the seashore; you have to find a plan that lets you fit in all the coverages you need for your North Carolina home. The American Home Shield plan has been on the market for more than 50 years. If you have some high-end systems or even a swimming pool, this is a policy to consider looking into. 

Pros

Cons

It has been on the market for more than 50 years

Considered to be a more premium policy 

Can build out your custom plan with add on options 

 

AHS gives you the ability to customize pricing

 

Plenty of add on coverage choices 

 

Plans & Pricing

The American Home Shield plan has three options for North Carolina homeowners. The great thing about these plans is that you can still add and subtract coverage from them to work for your North Carolina home. If you have issues with your water heater or HVAC system because of heavy use, choose a plan that covers both of these. All three AHS plans cover home systems, but ShieldPlatinum is the plan with the most comprehensive coverage. American Home Shield allows its policyholders to choose their service fee of $75, $100 or $125. However, a lower service fee means you'll be paying a higher monthly premium and vice versa. So, with a $75 service fee you'll pay $44.27 for ShieldSilver. This allows for flexibility in AHS plans and ensures you can find a home warranty in North Carolina coverage that will fit your budget. 

Plans

Cost Per Month

Service Fee

ShieldSilver

$29.27-44.27

$75 - $125

ShieldGold

$39.27-54.27

$75 - $125

ShieldPlatinum

$59.27-74.27

$75 - $125

Coverage 

The American Home Shield plan is more of a premium home warranty plan. Your coverage choices are broad, but they may cost a bit more than other plans on the market. The great thing is that American Home Shield has one of the highest payout rates of any other plan on the market. If they say a system or appliance is covered, they will stand by their word. The most popular home system and appliances covered in the AHS plan are... 

  • Heating system 
  • Refrigerator
  • Dishwasher 
  • Oven
  • Garbage Disposal 

What Customers Are Saying

BBB customer reviews:

“Ok, I've heard a lot of concerns about home warranty companies, how they deny claims or try to find ways to get out of coverage, so I was worried when I signed up, but I've had two claims with American Home Shield, and everything has gone exactly as advertised... The first one was a repair that needed three visits to get squared away; the second one was a replacement of a washing machine. Both went super smoothly, and they communicated well during the process. I would recommend them highly for a home warranty!”

"I was very empresses by the fast service to fix my a/c. Beaches a/c and Heating was the one that came out to repair my a/c. They were very professional. I recommend them. Thank you"

"It has been two years since I have them and I am a satisfied customer. I would recommend them to anyone"

Learn more on our American Home Shield Review.

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of North Carolina. Many people move to North Carolina because of affordable housing. However, when you start paying for repairs and replacements of appliances or systems, things are not quite as affordable. Select Home Warranty has been on the market for nine years, and they help to ensure that you get tremendous value out of your plan. With each of their home warranty plans, they give away free roof leak coverage. 

Pros 

Cons

Impressive customer service

Straightforward policy choices 

Clearly defined coverages and exclusions

Not always the best plan for high-end appliances and systems

High workmanship quality 

 

Straightforward policy choices 

 

Plans and Pricing

The great thing about the Select Home Warranty policy choices for NC homeowners is three choices. If you want to start with something simple like an appliance plan, you can do so and then upgrade to the combo plan at a later point. The Bronze Care plan offers appliance coverage on seven items, the Gold Care Plan offers coverage on six systems, and the Platinum Care Plan is a comprehensive combo plan. Not only does Select Home Warranty have affordable monthly premiums with excellent coverage, it also has an industry-low service fee of $60. For these prices, you cannot beat Select. 

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$65

Bronze Care

$60.42

$65

Platinum Care

$65.83

$65

Coverage

The coverage for the Select Home Warranty plans is quite good; the only thing that customers need to be aware of is that the limits on the policy can sometimes be a bit lower. Lower limits are not the best choice for NC homes with high-end appliances and systems. Some of the coverages that NC homeowners are taking advantage of as part of their plan include . . . 

  • Heating systems 
  • Cooktops
  • Ceiling fans
  • Refrigerators 
  • Electrical systems 

What Customers Are Saying

BBB customer reviews:

Service was prompt and professional... I knew what they were doing and solved the issue. The repairman was very pleasant.”

"I was skeptical about Select Home Warranty (***) after having such a bad experience with ****** Home Warranty. But, *** came through in a very positive manner. I was very pleased with the turn-around time it took *** to accept my repair request and dispatch a vendor. I had a pleasant experience all the way around from ***'s customer representative to the ******'s customer service and technician."

"Select Home Warranty has been great to us for the past 3 years. Great price and a low deductible (under $50). Using SHW has saved us thousands of dollars out of pocket on our old HVAC system and electrical system just last week. Someone always comes out within 2 business days after filing a claim. I am very surprised to read all of the bad reviews here, since we've had nothing but positive experience with SHW"

Read more on our Select Home Warranty Review.

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of North Carolina. One of the best ways to determine if a home warranty company will stand by its plans is to see what they have done with other customers. The Liberty Home Guard plans have only been on the market for two years but have managed to earn a BBB rating of an A. When you look into customer reviews, you will see that service is speedy, professional, and effective. 

Pros

Cons

BBB rating of an A

Optional plan choices tend to be priced a bit high 

Overall fair pricing

To get a very comprehensive policy, the price increases quite a bit 

60 Day workmanship guarantee

 

Add on coverage list is very extensive

 

Plans and Pricing

There are three Liberty Home Guard policies for North Carolina homeowners. The great thing about these three plans is that there is a system option, appliance option, and even a combo plan. The Total Home Guard is the combo plan, and it tends to be the most popular choice because of its extensive coverage. For $79.99 per month, Total Home Guard gives you coverage on 20 major home systems and appliances, including your heating and air conditioning systems, which are essential to comfortable NC living. Although Liberty Home Guard plans tend to be on the higher side for pricing, the coverage is unbeatable, especially when considering the list of 20+ add-ons that can be added to your NC home warranty plan. 

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$75

Appliance Guard

$74.99

$75

Total Home Guard

$79.99

$75

Coverage: 

Every North Carolina homeowner has a different idea as to what the perfect home warranty policy looks like. You may find that a plan that covers everything in your kitchen is an ideal choice for your NC home. Others may find that the comprehensive plans are by far the best. Therefore a policy like LHG with so many add-on coverages allows you a bit more control over what your policy can and can’t do. Many North Carolina homeowners choose Liberty Home Guard coverages such as . . .

  • Garbage disposal
  • Washer
  • Air Duct
  • Water Heater 
  • HVAC

What Customers Are Saying: 

BBB Customer Reviews:

A pipe burst in my home, and we had serious leaking. Not only did Liberty have a technician out to me within 2 hours, but they also completely coordinated the restoration work, which is completely out of scope for a home warranty company. They do go out of their way to please their customers. Thank you!” 

"Liberty Home Guards customer service team just seems to care more than other home warranty companies Ive worked with. From the onboarding process, to claims, and even making billing adjustments, everyone I interact with is genuine and competent. I once submitted a complaint to them about a technician and they made sure to never resend that technician, so I appreciate their responsiveness as well."

"Liberty Home Guard offers excellent coverage that is definitely worth the investment. I recommend them if you own a home. Their customer service is exceptional, and the technicians who show up are professional and knowledgeable. Super happy with them"

Read our Liberty Home Guard Review to learn more.

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in North Carolina. If you are experiencing an HVAC break in the middle of the summer or have a hard time with your furnace in the winter, you will want immediate service. ServicePlus is known for getting there fast when you need it the most. In addition, ServicePlus Home Warranty only works with the highest quality technicians ready to solve problems quickly and efficiently. 

Pros 

Cons

High-quality service technicians

Some emergency services will come with an upcharge or higher fee

Simple contracts

 

Fastest service around

 

Extensive network of repair technicians to get you faster service

 

Plans and Pricing

The ServicePlus home warranty only offers two plans, but they are both comprehensive options. That means you can have peace of mind about both your systems and appliances when choosing ServicePlus. The Platinum Plan tends to be the most popular plan because it offers coverage on everything covered by the Gold Plan, plus air conditioner, dryer, heating system, refrigerator, and washer. That's five more items for only a couple dollars more per month. ServicePlus also offers a service fee that is very average for the home warranty industry. NC homeowners can't go wrong with a ServicePlus home warranty. 

Plans

Cost Per Month

Service Fee

Gold Plan

$53.67

$75

Platinum Plan

$60.33

$75

Coverage

The coverage from ServicePlus is not going to stand out as anything out of the ordinary. Your plan will have everything you need to keep your home in working condition; you just won’t have to wait very long for the repairs to get completed. Many North Carolina homeowners enjoy the coverages that the Service Plus plan offers. Some of the most popular are . . .

  • Dishwasher
  • Garbage disposal
  • Electrical system
  • Plumbing System  
  • Refrigerator 

What Customers Are Saying:

BBB Customer Review: “Here was a blockage that resulted in a moderate pooling in the basement. I did an online claim with ServicePlus, and they scheduled someone to come out in less than 24 hours.”

Learn more by reading out ServicePlus Review.

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for North Carolina residents that need extensive coverage. It can be tough to choose which policies and systems should earn a spot on your home warranty policy. The First Premier policy makes it easy to have plenty of covered items for a fair price. First Premier has an A- rating and is a relatively new company in the home warranty industry. However, even with just a short time on the market, they have made many customers happy. 

Pros

Cons

BBB rating of A-

A short period of time on the market

Modern technology and systems in place 

Not everyone wants to pay upfront for a policy from a new company 

A newer company that is continually improving

 

Low overall costs if you pay upfront 

 

Plans & Pricing 

There are only two First Premier home warranty policies to choose from. As the company grows and expands, they may add more, but these are the options for now. The pricing of these plans goes down quite a bit when you pay for the plan upfront for the year. The Platinum plan is most popular with North Carolina homeowners because it offers more extensive coverage on your home systems and appliances. With plans under $50 per month, First Premier is one of the most affordable home warranty options.

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage

The coverage for the First Premier Home Warranty policies includes both systems and appliances. With over 15 options on the Premier Plan, the value that you get is quite suitable for this affordable plan. Some of the coverages that North Carolina homeowners tend to take advantage of are the . . .

  • Refrigerators
  • Oven
  • Water heater
  • Plumbing system
  • Stovetop 

What Customers Are Saying 

BBB Customer Reviews:

“Great response in a timely manner. Excellent professional technicians. I have never had a problem with First Premier Home Warranty. My dishwasher was “dead,” with no power. FPHW has sent their technician the next day, and he determined the control board burned. He ordered the spare part, and two days later, my dishwasher was working smoothly. Great experience. Keep up the great work.” 

"Great and reliable company. Waited to do this after my service request, they showed up on time and got me approved for a new microwave!"

"I called on memorial weekend to request service and First Premier had someone out the very next day. They approved me for a new ac unit in my home. I will definitely be telling my family about you guys"

Read more on our First Premier Review.

7. Best Workmanship: Cinch Home Services 

The Cinch Home Services warranty offers the best workmanship for a North Carolina homeowner. A workmanship guarantee means that if your covered item breaks after a repair have been completed, you will get a free repair if the issue was the same problem. Cinch Home Services has been in the market for more than 40 years and is considered to be one of the more reliable choices out there. Certainly, their 180-day workmanship guarantee helps. 

Pros

Cons

Long history in the home warranty business

Higher service fees or deductible pricing

180-day workmanship guarantee

Some negative customer reviews with certain contractors 

Three moderately priced plans to choose from

 

Plans and Pricing

The plans from Cinch Home services are fairly standard. There is the appliance plan, systems plan, and the complete home plan. Each plan offers impressive coverage; the only issue we see with this policy is that the service fees are considerably higher than other plans on the market. Cinch Home Services offers service fees of $75, $100, $150. If you choose a higher service fee, the monthly payment will be lower and vice versa. The table below represents the prices of Cinch plans with the $100 service fee. These are great rates for the coverage offered. 

Plans

Cost Per Month

Service Fee

Appliances Plan

$44.99

$75 - $150

Built-In Systems Plan

$51.99

$75 - $150

Complete Home Plan

$61.99

$75 - $150

Coverage

Choosing a company with forty years of experience in the home warranty industry means that you get quite a bit of knowledge and smart plan coverages and choices. There is also plenty of add-on options offered by Cinch Home services. Some of the most popular coverages under the Cinch Home Services policies include . . . 

  • Septic tank
  • Sump Pump 
  • Ice Maker
  • Refrigerators
  • Plumbing System  

What Customers Are Saying

BBB Customer Reviews:

I've needed assistance from HMS for an aging HVAC system 3 times since purchasing my home in 2016, and each situation was handled quickly and professionally. As a real estate professional, I have relayed the importance of having a home warranty and would definitely recommend!”

"Total Protect is a great home warranty company. I have family members who also have Total Protect. I live in the rural part of Virginia so the provider base is not as large as my family members' that live in the city. I have not had any problems with Total Protect adhering to what is in their warranty booklet."

Learn more about Cinch by reading our Cinch Home Services Review.

Home Warranty Coverage in North Carolina Cities

What You Should Consider Before Buying A Home Warranty in North Carolina

Whether you live in Charlotte, Wilmington, Boone, Raleigh, Fayetteville, or anywhere out in country, the best home warranty companies in North Carolina are available to you. Home warranties can do a lot of good for North Carolina residents; however, there are some specific features and factors that you will want to investigate about each of the home warranty plans that you are considering. For instance, a North Carolina home warranty should have a combination of systems and appliances. Interest should be taken into what add-on coverages are offered. Of course, fair pricing should always be a factor. Here are some things to consider before you lock in your new home warranty plan.

Are You Looking For The Best Home Warranty For Pre-Existing Conditions? Check Out This Article!

Plan Choices 

If you are new to homeownership, you may feel the need to start with a plan that has slightly less coverage and keeps the pricing down just a bit. For those that have been homeowners for a while, it may make sense to get coverage for the appliances and systems that you know you can’t live without. A policy with lots of plan choices will certainly help ensure that you are getting something specifically built for your needs as a North Carolina homeowner. Each home warranty in North Carolina offers at least two plans to choose from, some with many flexibilities from coverage to monthly costs.

Overall Pricing 

The overall pricing of a plan is quite essential. People move to North Carolina for affordable home prices; investing in an overpriced home warranty policy will not help you save money. When considering the overall pricing, look for both the monthly and service costs involved in the plan. 

Read Also: Which Home Warranty Plan is the Cheapest?

Optional Coverages

As we have mentioned several times, the needs for your North Carolina home are going to be quite different if you live in Asheville or in the Outer Banks. Understanding how optional coverages can add to a plan and make it a better fit for your NC home is quite important. Many North Carolina homes have pools, and the pool and spa coverage is a must-have. Additional coverages can be septic systems to garage door openers to pest coverage. Reading each provider's review can help you get a more broad idea of what they cover.

Home Warranty Tips for North Carolina Residents

North Carolina homeowners can benefit from having a home warranty in place, especially if you understand all the issues that a home warranty can help with. Homeowners in North Carolina often get confused by the home warranty policy and a homeowners insurance policy. 

You will need your homeowner’s insurance policy to protect you from hurricanes that run up the coast and impact areas like the Outer Banks and Wilmington. However, home warranties serve a slightly different purpose. 

Home warranties are designed to help you cover the costs of the systems and appliances that you use daily. If you live in Blowing Rock or Boone, NC, and experience a foot of snow being piled on daily, you know your heating system will be working quite hard. The heating system in the home experiences more significant wear and tear in areas like this.

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

Source: North Carolina Climate Office

Comparatively, when you live on the coast of North Carolina in Wrightsville Beach, Kitty Hawk, or Nags Head, you have to deal with both humidity and salt in the air. The ocean salt can deteriorate your home systems and appliances quite quickly and leave you replacing things more often than you may have thought you would need to. 

Then, of course, you have your primary home maintenance issues that come up by simply having four systems. Needing to rely on your HVAC, furnace, water heater, and ceiling fans is part of North Carolina homeownership when you live in Charlotte, Asheville, Raleigh, and Greensboro. Air conditioner coverage is essential to NC living as many rely on air conditioning to keep their houses cool in the hot and humid summer months.

North Carolina homeowners buying, selling, or trying to turn their home into a rental property can all benefit from having a great home warranty in place. 

Are You A First-Time Buyer? Check Out This Article!

Home Warranty Regulations in North Carolina

North Carolina home warranties must be registered with the Department of Justice. Since you will be signing a contract with this company, it does pay to understand whether they will be a reliable and reputable resource for you. North Carolina homeowners should know that all seven of the policies on our list are regulated by the Department of Justice and were in good standing at the time of our review. 

Final Thoughts

A North Carolina home warranty is something that all North Carolina residents will benefit from. You can trust us that when your HVAC and your plumbing system experience an issue in the same month, you will want to be sure that you have a home warranty in place. Take your time to narrow down the plan choices on the market, and choose something that works for your budget. Don’t be afraid to get a quote from more than one company; the process will give you insight into how this company conducts business. However, our top recommendation would Choice Home Warranty as the best home warranty in North Carolina. 

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

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 best home warranty companies in NC, 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.

Resources for North Carolina Homeowners and Home Buyers

  • North Carolina Homeowner Assistance Fund: The North Carolina homeowner assistance fund is a program specifically for North Carolina residents struggling to keep their homes afloat. Sometimes system and appliance repairs can put in you a bad position in your homeownership position; this assistance fund can help. 
  • North Carolina HOA Laws and Resources: If your North Carolina home is located within an HOA, it helps to understand how this impacts your home and any potential costs or insurance liabilities.  
  • North Carolina Weatherization Benefits: As we have mentioned several times in our review of the best home warranties in North Carolina, weather in NC is ever-changing. To ensure your home is ready for any condition that could come it’s way, the NC Weatherization Benefits program is a great place to start. 
  • City of Charlotte Housing and Neighborhood Services: Charlotte, North Carolina, is one of the larger cities, with quite a large percentage of the North Carolina population. With the Charlotte North Carolina Housing and Neighborhood Services, homeowners and potential homebuyers have access to a wealth of valuable information.  

Recap of Our Top Picks In North Carolina

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $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 97.00
  • 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 96.50
  • $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 96.10
  • $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 95.50
  • $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 95.30
  • Lower chance of claim denial
  • Choose your own service fee!
  • Multiple optional coverage items
  • Limited plan selection
  • Online chat not supported
  # 7 Cinch Home Services
Editorial Rating 95.00
  • 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

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.

Q.

Is a North Carolina home warranty worth it?

A.
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 appliances and systems 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.
Q.

What are the best home warranty companies in North Carolina?

A.
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
Q.

What do home warranties cover?

A.
A home warranty in NC 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.
Q.

How much does a North Carolina home warranty cost?

A.
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
Monthly
Annually
Top 5 Average
$56
$672
Q.

How do I choose a good home warranty?

A.
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.