Top Best Home Warranty Companies In North Carolina Review

Written By: Amy Galloway

Edited by: Andrew Dunn

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 2023
  • And much more!
Editor's Choice

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Best Overall

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

Limited Time: $150 Off All Home Warranty Plans
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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 98.5
  • All plans have comprehensive coverage. Most other home warranty plans cover either just systems or just appliances.
  • Choice’s coverage caps are $3,000 per item, per year for most major systems and appliances beating the industry average.
  • Choice Home Warranty doesn't exclude older homes, so you can still get coverage regardless of the age of your property.
  # 2 Liberty Home Guard
Editorial Rating 98
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • 60-day workmanship guarantee compared to the average of 30 days.
  • More than 20 options, including window washing, swimming pools, and irrigation.
  • 24/7 service calls
  # 3 American Home Shield
Editorial Rating 97.6
  • With over 52 years of experience and 1.7 million customers AHS has a long history in the industry.
  • American Home Shield, lest you choose a service fee that works for your budget.
  • Coverage caps for systems are unlimited across all three plans and are either $3000 or $6000 for appliances.
  # 4 Select Home Warranty
Editorial Rating 97.2
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • Must file claims within 3 days
  • $75 cancellation fee
  • Save up to $150 on a new plan
  • Choose your own service fee!
  • Lower chance of claim denial
  • Higher fee for contract transfer
  • Higher cancellation fee
  # 6 First American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy
  # 7 Cinch Home Services
Editorial Rating 96.5
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • Thousands of reliable & fast local service providers
  • 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.

Top 7 Best Home Warranty Companies in North Carolina:

Compare North Carolina Home Warranty Providers

ProviderBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantyBest Overall$45 - $53$85D+
Liberty Home GuardBest Customer Service$45 - $54$75A-
American Home ShieldMost Customizable$25 - $75$75 - $125B
Select Home WarrantyMost Affordable$44 - $48$60B-
Americas First Choice Home ClubBest For Customization$46 - $68$75 - $125B
First American Home WarrantyBest Appliance Coverage$52-$77$75 - $125B
Cinch Home ServicesBest Add On Coverage$45 - $62$100 - $150B

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 with seamless claims processes and simple contracts. In addition, both of the Choice Home Warranty policies offer both system and appliance coverage as part of the plan. An industry giant, Choice has been in operation for 13 years and has developed a reputation of fair pricing, comprehensive coverage, and excellent customer service. This is the most popular option for North Carolina homeowners. 



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, Pricing, and Coverage

Even though the Choice Home Warranty only has two plan options to choose from, each include systems and appliances coverage. 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. 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 at $85, the low monthly premiums and extensive coverage makes Choice the best home warranty company in North Carolina. 

Take a deeper look at CHW’s protection plans:

  • Basic Plan ($45 per month): The Choice Home Warranty Basic Plan is one of the best values on the market. There are 14 total appliances and systems, including ceiling fans, cooktop exhaust fans, dishwasher, ductwork, garbage disposal, ductwork, electrical system, garage door opener, heating system, oven, microwave, plumbing system, toilet, and water heater.
  • Total Plan ($53.33 per month): The Total Plan is a bit more expensive than the Basic Plan, yet it has two essential coverages that the Basic Plan is missing HVAC and refrigerator. Many North Carolina residents are interested in these coverages and the other premium options in the Total Plan. This has a total of 18 covered items.
  • Optional add-ons: There are nine optional add-ons offered by Choice, including central vacuum, septic tank, sump pump, well pump, pool and spa, roof leaking, and stand-alone freezer. The optional coverages will range in price from around $5 a month and up.


Cost Per Month

Service Fee

Basic Plan



Total Plan



What Customers Are Saying: 

"We had our furnace breakdown called CHW had. Tech there in just about 5 hrs. awesome couldn't have been happier. The tech was such a nice guy he even talked video games with my 10 yr old son was an amazing experience." - Donald D.

Find our more information on our Choice Home Warranty Review.

2. Best Reviewed: Liberty Home Guard 

Liberty Home Guard's plans are 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. Liberty Home Guard has only been on the market for two years but has 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. Moreover, Liberty offers three plans so you can get the exact coverage you need for a monthly cost that won't break the bank.



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, Pricing and Coverage

There are three Liberty Home Guard policies for North Carolina homeowners. The great thing about Liberty 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 $54.33 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. Liberty also offers a very average service fee of $75.

Take a look at the details of Liberty's protection plans:

  • Appliance Guard ($45 per month): The Appliance Guard from Liberty Home Guard will have 11 appliances, including a refrigerator, cooktop exhaust fan, ceiling fans, dishwasher, oven, clothes dryer, clothes washer, garage door opener, microwave, garbage disposal, and refrigerator ice-maker. Each of the appliances will have a coverage cap of around $1500. 
  • Systems Guard ($49.83 per month): The Systems Guard is very similar to the Appliance Guard plan, and it will cover nine major systems in the home. These systems include an air conditioner, electrical system, bath exhaust fan, ductwork, heating system, plumbing and plumbing stoppages, toilet, and water heater. 
  • Total Home Guard ($54.33 per month): The Total Home Guard is a good value because it is not much more expensive than the Appliance or the Systems Guard, but it has double the coverage. North Carolina homeowners will have great peace of mind with this plan in place. 
  • Optional add-ons: Liberty Home Guard has an extensive list of more than 20 add-on items. Some of these items include re-key service, pest control, gutter, floor cleaning, lawn sprinklers, and wine refrigerator—Add-ons costs range from $39.99 to $249.99 annually.


Cost Per Month

Service Fee

Systems Guard



Appliance Guard



Total Home Guard



What Customers Are Saying

"The sign-up process was shockingly fast and easy after ******** * provided me with all the information I asked for and then some. I believe this plan is an unbeatable deal for the coverage of my home and it seems like their technician network, ease of claim payment, comprehensiveness of covered items and sophisticated, tech-savvy portal are second to none. I had never heard of this company before now but am already regretting the two other companies I have used in the past." - Dillon R. 

Read our Liberty Home Guard Review to learn more.

3. 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. American Home Shield's plans have been on the market for more than 50 years. As the oldest home warranty company, AHS is considered an industry veteran well-known for its professionalism and experience. If you have some high-end systems or even a swimming pool, this is a policy to consider looking into. Plus, with customizable monthly premiums and service fees, the AHS protection plans are sure to fit your budget.



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

American Home Shield's plans have 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 $45.82 for ShieldSilver. This allows for flexibility in AHS plans and ensures you can find a home warranty in North Carolina with coverage that you can afford.

Here's more details on AHS's plans (note: these prices are based on a $100 service fee):

  • ShieldSilver™ ($35 per month): The ShieldSilver is the value type play from AHS. There are 17 home systems: air conditioning, electrical system, doorbells, garage door opener, water heater, and ductwork. This plan has excellent coverage for HVAC systems and has coverage limits upward of $2,500 on most systems. All three of the American Home Shield home warranty plans can be customized. 
  • ShieldGold™ ($55 per month): The ShieldGold is the most popular home warranty plan from American Home Shield. There are 23 home systems and appliances as part of the ShieldGolf. These coverages include clothes washers, heating systems, trash compactor, microwave, electrical system, and more. The appliances covered under this plan have higher coverage limits at $3,000 per item. Service fees are customizable, allowing for changes in the monthly plan costs. 
  • ShieldPlatinum™ ($85 per month): This plan is the most comprehensive for North Carolina residents. There are 27 covered items, and the coverage caps can go as high as $6000 on some appliances and systems. All coverage you can get from ShieldGolf and ShiledSilver will be included with this plan. 
  • Optional add-ons: A few additional items are offered by AHS, including pool and spa, PC, TV, septic system, and well pump coverage. The pool and spa coverage are some of the best on the market.


Cost Per Month

Service Fee



$75 - $125



$75 - $125



$75 - $125

What Customers Are Saying

"Thank you to American Home Shield. AHS is supportive and helpful to homeowners. I personally encourage homeowners to join AHS and start utilize the coverage." - Mohammad A.

Learn more on our American Home Shield Review.

4. 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 it helps 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 as an added bonus. If you're on a budget when it comes to home warranty protection plans in NC, then Select Home Warranty is the perfect choice for your home.



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, Pricing, and Coverage

Select Home Warranty offers three policy choices for NC homeowners. 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. The Platinum Plan is the most popular option in North Carolina, and only runs $4 more per month than the other two plans at $44.42. 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. 

Here's more details on SHW's protection plans:

  • Bronze Care Plan ($44.42 per month): The Select Home Warranty Bronze Care Plan is an appliance-only plan with just seven appliances. These include the garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer. Bronze Care can be a good choice for a new homeowner worried about appliances. 
  • Gold Care Plan ($44.42 per month): The Gold Care Plan is the systems version of the Bronze Care Plan. The Gold Care has six systems, including an air conditioner, ductwork, electrical, heating, plumbing systems, and water heater. Gold and Bronze Care have the same price, but many North Carolina homeowners feel that the Systems Plan offers more comprehensive coverage. 
  • Platinum Care Plan ($47.75 per month): The Platinum Care Plan is the best deal that Select Home Warranty has. This plan is just a few dollars more per month but has all the systems and appliances covered in the other plans.
  • Optional add-ons: Remember that all Select Home Warranty plans have free roof leak coverage. Selects add-on options are pool, spa, septic system, lawn sprinklers, stand-alone freezer, central vacuum, well pump, and sump pump.


Cost Per Month

Service Fee

Gold Care



Bronze Care



Platinum Care



What Customers Are Saying

“Our refrigerator wasn't working and we almost bought a new one when I remembered our home warranty. I called and a technician called us back and ordered a new part. We unfortunately had to wait a week for the part but thats life these days. Our technician **** came and installed it. When he called later to check on it, our fridge still wasn't cold enough and he came back a second time and got it working fine. All for the price of my deductible! Better than buying a new refrigerator. Great service!"- Patricia S.

Read more on our Select Home Warranty Review.

5. Best Workmanship: Cinch Home Services 

Cinch Home Services home 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. The industry average is 60-90 days, but Cinch covers a full 6 months with its 180-day guarantee. 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. With hundreds of positive customer reviews, trustworthy technicians, and fair pricing, you can't go wrong choosing Cinch as your home warranty company in NC. 



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, Pricing, and Coverage

The plans from Cinch Home services are fairly standard. There is the Appliances Plan, Systems Plan, and the Complete Home Plan. The Complete Home Plan is the most popular choice for NC homeowners as it offers the most comprehensive coverage and can go for as low as $49.99 per month. 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 $100, $125, $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. 

Here's a more detailed look at Cinch Home Service's plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): The Appliance plan will include coverage on 11 appliances such as microwave, cooktop exhaust fan, trash compactor, clothes dryer, food center, refrigerator, free-standing ice maker, oven, refrigerator ice-maker, dishwasher, and clothes washer. 
  • Built-In Systems Plan ($51.99 per month): Built-in Systems are typically a bit more expensive to repair than appliances, so this plan will cost a few extra dollars per month. Some of the systems included are air conditioner, ductwork, water dispenser, smoke alarms, sump pump, septic tank pumping, bath exhaust fans, cooktop fans, garbage disposal, doorbells, toilet, electrical system, heating system, water heater, plumbing, and plumbing stoppages, garage door opener, spa, central vacuum, attic fans, and whole house fan. 
  • Complete Home Plan ($61.99 per month):  The Complete Home Plan combines both Appliances and Built-In Systems. This is the most comprehensive of the Cinch Home Services plans. This plan comes with a credit for AC filters, 32 covered home systems and a $500 homeowners insurance reimbursement.
  • Optional add-ons: Cinch offers three add-on coverages, including pool, septic systems, and well pump. It also offers the Premier Upgrade Package, which includes $1,000 for any unexpected costs that may pop up during a claim. The Premier Upgrade Package is a popular and smart addition to the plan.


Cost Per Month

Service Fee

Appliances Plan


$100 - $150

Built-In Systems Plan


$100 - $150

Complete Home Plan


$100 - $150

What Customers Are Saying

“As part of the services, air-conditioning maintenance is performed twice a year at no extra charge. I have been very pleased with that service. The air-conditioning company that came to do the check up was very qualified, knowledgeable, professional, thorough and friendly. I have been very pleased with the Cinch Home Warranty Program." - Marilyn C.

Learn more about Cinch by reading our Cinch Home Services 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, but First Premier's policies make it easy to have plenty of covered items for a fair price. First Premier 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. Now rated as one of the top home warranty companies in NC, First Premier offers industry-low monthly premiums and extensive coverage to ensure you can have an affordable home warranty policy in place. 



Impressive customer service

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, and Coverage

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, like you can get the Premium Plan for as low as $32 per month. 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 $48 per month, First Premier is one of the most affordable home warranty options. First Premier also offers a fairly-priced service fee of $75 to NC homeowners. 

Here are more details on First Premier's plan options:

  • Premium Plan ($40 per month): The Gold Plan from First Premier has 15 covered items. This is a plan that has a tremendous amount of coverage for the price that it is offered. Some of the coverages include a ceiling fan, oven, cooktop exhaust, dishwasher, trash compactor, garbage disposal, ductwork, electrical system, garage door opener, microwave, plumbing system and stoppages, sump pump, and water heater. Homeowners have the option to pay for the year ahead of time and save a good amount of money. 
  • Platinum Plan ($48 per month): The Premier Platinum plan has 20 covered items. These will include the 15 in the Platinum Plan and air conditioning, heating system, washer, dryer, and refrigerator. Two of the top items, A/C and heating, have higher coverage limits of $1,500. This is fairly higher considering the low monthly premiums. Not all coverage caps are as high with the First Premier Home Warranty.
  • Optional add-ons: First Premier offers optional coverage on 12 items, including a free-standing ice maker, roof leaks, stand-alone freezer, septic tank pumping, well pump, water softener, central vacuum, refrigerator ice maker, lawn sprinkler, septic, spa, and pool coverage.


Cost Per Month

Service Fee

Premium Plan



Platinum Plan



What Customers Are Saying 

"I was so impressed within the ten minutes the part had an approval. The tech contacted FPHW and while we were talking, the parts were approved. I was so impressed! Thirty minutes from the tech pulling up, condensing fan replaced and ac working. I am totally impressed with First Premier! I am a customer forever!" - Brad S.

Read more on our First Premier Review.

7. Best for Quick Coverage: The Home Service Club

The Home Service Club is the best North Carolina home warranty for quick coverage. A unique thing about The Home Service Club home warranty is that the coverage will take effect ten days after you sign up for the plan. Most home warranty companies will have customers wait for 30 days to start taking advantage of their home warranty plan. The Home Service Club has been on the market for more than 13 years, and they have extensive coverage options included as part of the basic coverage. 



No inspection is needed before the plan starts

Can be a high service fee

The plan starts after ten days 

Not accredited by the BBB 

Extensive coverage options even in the basic plan 


Plans, Pricing, and Coverage

With The Home Service Club, you are only able to choose between two different home warranty plans. The Standard Coverage and the Comprehensive Coverage will have a mix of systems and appliances. The Comprehensive Plan has more than 30 covered items, considerably more than most other plans on the market. The Home Service Club has great add-on coverages for North Carolina residents with pools, spas, and free-standing freezers. 

Take a more detailed look at HSC’s home warranty plans:

  • Standard Coverage ($46.25 per month): The Standard Coverage is the basic plan from The Home Service Club, yet it has a wide range of coverages. Some of the most important coverages include air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  
  • Comprehensive Coverage ($58.75 per month): The Comprehensive coverage has even more than the Standard, about ten more covered items, and the items are unique. The extras are gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Many of the Comprehensive coverage items are typically included as extra or add ons. 
  • Optional add-ons: The Home Service Club offers 12 additional or add-on coverages as part of their home warranty plan. These include things like a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. Pricing for add-on coverages will be between $4.99 and $15.99 per month. 


Cost Per Month

Service Fee

Standard Coverage



Comprehensive Coverage



What Customers Are Saying:

“It was winter, so we were expecting frozen piping, but we hadn’t anticipated the damage to be that extensive. Thank God for HSC and their miracle workers! The pipes were all repaired in less than a week. I wish all people are this efficient!”(Source)

Find out more through The Home Service Club review.

Home Warranty Coverage in North Carolina Cities

What is a Home Warranty?

A home warranty is a protection plan that will keep a homeowner’s budget and savings account in check. The home warranty plan will protect against normal wear on the appliance and systems in the home. If your refrigerator or electrical system experiences an issue, the home warranty will help ensure that the repair and replacement costs are kept to a minimum. 

It is relatively simple to use a home warranty. You will often submit a claim via an online portal system, and the home warranty company will respond within a 24-48 hour period. From this point, all of the scheduling and dealing with the issue will be handled for you. The home warranty company hires the best contractors and repair technicians and puts them in charge of your repair. 

For homeowners searching for the best home warranty in North Carolina, it is imperative to pay attention to the coverage that comes along with the plan. Coverage can make or break you when an appliance or system goes down. Try to find a home warranty plan with a wide range of system and appliance coverage.

How to Find the Best 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, your 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 important to consider. 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. Shoot for a policy that offers plans under $70 per month, and has a service fee around the average of $75. The lower, the better, but keep a look out on coverage limits. You may not want to go for the lowest monthly premium if that means the coverage cap is $400. Sometimes, a highly monthly payment can mean annual limits of $2,500 or higher. 

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 than if you're located 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 Liberty Home Guard
Editorial Rating 98.00
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • 60-day workmanship guarantee compared to the average of 30 days.
  • More than 20 options, including window washing, swimming pools, and irrigation.
  • 24/7 service calls
  # 2 Cinch Home Services
Editorial Rating 95.30
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • Thousands of reliable & fast local service providers
  • 24/7 customer service
  • Low cancellation fee
  # 3 First Premier Home Warranty
Editorial Rating 95.10
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Great promotions available
  • Market veteran
  • Large and established firm
  # 4 The Home Service Club
Editorial Rating 94.90
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 ServicePlus Home Warranty
Editorial Rating 95.10
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability
  # 6 First American Home Warranty
Editorial Rating 95.70
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available

    Nearby States

    All states
    Home warranty Virginia 38 companies available
    Virginia Home Warranty
    Home warranty South Carolina 36 companies available
    South Carolina Home Warranty
    Home warranty West Virginia 35 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 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.

    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 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.

    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.