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Best Home Warranty Companies In north carolina 2024

North Carolina’s intense weather can strain your home’s appliances and systems, leading to frequent breakdowns and expensive repairs. To help combat these costs, we’ve analyzed the best home warranty companies in North Carolina. Explore these plans to find the perfect fit for your home, protecting your wallet and peace of mind.

Our Picks: 5 Best Home Warranty Companies For north carolina Residents

We have selected the best-rated companies for you among several top home warranty companies in North Carolina. Explore the detailed review of NC's top home warranty companies and understand the available coverage, prices, terms, and more.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Generous coverage for covered items
  • Covers unknown pre-existing conditions
  • Offers generous coverage caps

Cons

  • Only 30-day workmanship is offered

Plans, Cost & Coverage

American Home Shield offers three main home warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. In North Carolina, the monthly plans start at $29.99 and go up to $79.99. The company provides coverage limits for appliances and systems of up to $4,000 and $5,000, respectively. 

Let’s look at the cost and plan details below for further explanation. 

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$29.99

$49.99

$79.99

Cost at $100 Service Call Fee

$39.99

$59.99

$89.99

ShieldSilver

  • Covers up to 14 major systems 
  • Provides a budget-friendly option, starting at a competitive price point of $29.99
  • Considerable for homeowners looking for coverage for essential home systems

ShieldGold

  • Covers 23 vital home systems and major appliances, including kitchen and laundry appliances
  • Moderate coverage with appliance limits up to $2,000
  • Ideal for homeowners desiring comprehensive coverage for essential home systems and appliances

ShieldPlatinum

  • Extensive coverage for 24 home systems and appliances 
  • The maximum coverage plan from AHS includes benefits like free HVAC tune-up
  • Offers coverage limit of up to $4,000 for appliances

Why We Picked It?

AHS is widely known for offering comprehensive coverage limits. The company offers three home warranty plans, starting from $29 monthly. Moreover, AHS also protects home items that get damaged due to unknown pre-existing defects! 

Getting coverage for major systems, appliances, and even roofs becomes essential in a storm-prone state like North Carolina. American Home Shield protects all such items, including roof leaks, under the ShieldPlatinum Plan, which makes AHS noteworthy!

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Offers live chat option for customers
  • Total pest control service available
  • Extensive add-ons list

Cons

  • Lesser coverage caps

Plans, Cost & Coverage

Liberty Home Guard offers three options for its customers: the Appliance Guard, the System Guard, and the Total Home Guard. The plans start at $49 per month, and the company charges a flat service fee of $90 per visit.  

Here is a detailed analysis of the cost and plans offered by Liberty Home Guard:

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99

$54.99

$59.99

Annual Plan

$499.99

$549.99

$599.99

Appliances Guard

  • Offers protection for nine major appliances in your North Carolina home, such as ovens, microwaves, refrigerators, and dishwashers
  • Suitable for homeowners looking for a comprehensive coverage plan specifically for appliances 

Systems Guard

  • Coverage for six essential home systems, including HVAC, electrical, and plumbing
  • Considerable for North Carolina residents willing to protect their essential home systems 

Total Home Guard

  • Provides comprehensive coverage that encompasses all elements included in the first two plans
  • Provides coverage for all 15 essential home appliances and systems mentioned in the previous plans, starting at $59.99

Why We Picked It?

The Liberty Home Guard has developed a network of 10,000 contractors to provide prompt customer service. It offers complete pest control services, 24/7 customer support, and extensive coverage of home appliances and systems, which are some of the main reasons for its popularity.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Coverage for homes up to 5000 sq ft without extra fee
  • 24/7 customer service
  • Free coverage for roof leaks

Cons

  • Lower coverage limit on the plans

Plans, Cost & Coverage

Choice offers two plan options for its customers: the Basic Plan and the Total Plan, priced at $46 and $55 per month, respectively. In addition, a service call fee of $75 to $125 will apply each time you request service. The company provides a coverage limit of up to $3,000 annually for access, diagnosis, repair, or replacement of covered items.

Let’s understand CHW’s plans and costs in detail:

Plans

Monthly

Yearly

Basic Plan

$46

$530

Total Plan

$55

$630

Basic Plan

  • Covers 14 essential systems and appliances of your North Carolina home 
  • Suitable for homeowners looking for standard coverage at affordable cost of $46 per month

Total Plan

  • Provides a broader coverage for a total of 18 items
  • Coverage available for plumbing, electrical, heating, and kitchen & laundry appliances
  • Designed to meet the needs and budgets of homeowners, offering peace of mind and protection for their most valuable asset

Why We Picked It?

Choice Home Warranty is another industry leader covering over 1.6 million homes in the country. Its coverage options and premiums are affordable. Plus, it offers certain added benefits, such as labor and parts guarantees and regular discounts to homeowners.

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

  • Has extensive contractor network
  • Discounts on annual plans
  • Same-day response on claims

Cons

  • Lower appliances limits

Plans, Cost & Coverage

Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. The monthly plans start at $44.42, and the annual plans start at $479.99. Select offers a coverage limit of $3,000 for HVAC and $2,000 for other systems and appliances

Here is a breakdown of SHW’s costs and plans:

 

Bronze Care

Gold Care

Platinum Care

Cost/Month

$44.42

$44.42

$47.75

Cost/Annum

$479.99

$479.99

$524.99

Bronze Plan

  • Covers eight major household appliances including refrigerator, oven, dishwasher, etc.
  • Affordable monthly and annual payment options
  • Suitable for North Carolina residents looking for a budget-friendly plan for appliance repair in North Carolina

Gold Plan

  • Covers seven important home systems such as HVAC, plumbing, water heater, and electrical
  • Ideal for homeowners seeking exclusive coverage for essential home systems

Platinum Plan

  • Comprehensive coverage plan covering eighteen systems and appliances
  • Including every system and appliance from the other two plans, plus plumbing stoppages, garage door openers, and ceiling fans
  • Best-suited for homeowners looking for comprehensive coverage with a monthly budget of less than $50

Why We Picked It?

Select Home Warranty is an affordable home warranty provider catering to homeowners seeking budget-friendly rates and comprehensive roof coverage. Each of the plans ensures coverage for essential home items, and all can be availed by anyone with a budget of $50 per month. 

In addition, Select continuously runs promotions to further reduce the premiums associated with the home warranty plans.

Highly Rated By Customers
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Provides a money-back guarantee
  • 90-day Guaranteed Service
  • A+ Ratings by BBB

Cons

  • No proper details on premiums

Plans, Cost & Coverage

Elite Home Warranty offers three plans: Elite Appliances, Elite Systems, and Elite Complete. You can customize your coverage from a range of 15 home items. Prices start at $44 per month. Appliances are covered up to $7,000, and systems up to $8,000 per contract term.

 

Elite Appliances 

Elite Systems 

Elite Complete 

Cost at $70 Service Call Fee

$44.99

$49.99

$59.99

Elite Appliances

  • This plan covers eight important household appliances that are mostly used in North Carolina homes, like refrigerators, dishwashers, and garbage disposals
  • Appliances included are protected for up to $7,000 during the contract term, offering financial security for malfunctions
  • It’s ideal for those wanting comprehensive appliance coverage, providing peace of mind for less than $45 per month

Elite Systems

  • This plan covers seven vital home systems such as air conditioning, electrical, plumbing, and water heater
  • Systems are protected for up to $8,000
  • It’s considerable for those seeking thorough home system coverage for less than $50 per month

Elite Complete

  • This all-inclusive plan protects both home systems and appliances, safeguarding a variety of components in your North Carolina home
  • Tailored for those prioritizing comprehensive coverage while staying budget-friendly
  • It’s ideal for individuals seeking extensive protection for their home systems and appliances for less than $60 per month

Why We Picked It?

Elite Home Warranty provides generous coverage limits, with appliances for up to $7,000 and systems for up to $8,000 per contract term, offering financial security in case of malfunctions or breakdowns. 

With prices starting at $44 per month, Elite Home Warranty plans are affordable and accessible. Whether you’re looking for extensive coverage for your appliances, systems, or both, Elite Home Warranty has a tailored plan to meet your needs.

Are Home Warranty Plans Beneficial For North Carolina Homeowners?

North Carolina homeowners face many issues, from housing to keeping up with the high living costs. Adding home maintenance costs to this increases the financial burden on homeowners. As a result, having a North Carolina home warranty plan can keep maintenance costs at a minimum. Let’s find more reasons below. 

  • North Carolina experiences sweltering & humid summers, with average temperatures ranging up to 90 degrees Fahrenheit. Such climatic conditions can expedite the wear and tear of your air conditioners and other cooling systems. 
  • The state is prone to heavy storms, frequent lightning, and thunderstorms. Various plumbing issues may occur, including low water pressure, leaks, pipe damage, slow drains, or leak signs over time.
  • Due to heavy storms, you may often uncover roofing issues, like leaks. A home warranty plan offering comprehensive coverage for plumbing systems can be beneficial.
  • Homeowners in Charlotte, NC, pay 5.5% of income tax versus the national average of 4.6%. With the high cost of living, it can be difficult for them to afford expensive home repairs. A home warranty can help reduce the cost of repairing or replacing home systems and appliances.
  • Employing a technician in Asheville typically costs up to $650 per visit. The rates can further increase or decrease, depending on your technician. Imagine paying these costs each time something breaks down in your home, which is ridiculously costly!
  • Although Durham is among the most beautiful cities in the state, it is also among the most expensive. The low average wages of its residents make it difficult for most households to bear the high unexpected maintenance costs.

Overall, home warranty in North Carolina can offer solutions to keep home maintenance costs to a minimum, as you are only required to pay a premium to safeguard all your essential belongings.

How Much Does A North Carolina Home Warranty Cost?

Let’s find out how much a home warranty costs in North Carolina. 

Average Annual Cost

$400 - $700

Average Monthly Cost

$29 - $70

Average Service Fee (Deductible)

$60 - $125

Let's examine the factors to better understand what influences NC's best home warranty costs.

  • Geographical Location: North Carolina's diverse landscape and varying climate are crucial in determining home warranty costs. Homes in coastal areas might face risks different from those in the mountains or Piedmont region. 
  • Coverage Options: Home warranty plans offer various levels of coverage, ranging from basic plans that include essential systems like HVAC and plumbing to comprehensive plans. The more extensive the coverage, the higher the cost of the warranty. 
  • Provider and Plan Selection: Different warranty providers offer varying levels of service and pricing structures. Homeowners must research and compare multiple providers to find the best fit for their needs. Factors like reputation, customer reviews, and responsiveness should all be considered alongside pricing.
  • State Regulations and Legal Requirements: North Carolina's regulatory environment and legal requirements can impact home warranty costs. Compliance with state regulations may necessitate additional administrative overhead for providers, which could be reflected in pricing. Additionally, any legal mandates regarding warranty coverage or consumer protections may influence plan structures and costs.

Home Warranty Coverage In North Carolina

This section will discuss the general coverage of home warranties, common exclusions, and additional points to consider when selecting the best home warranty company in North Carolina.

General Coverage Of North Carolina Home Warranty

Basic Systems Coverage Most home warranty plans in North Carolina include coverage for essential systems such as HVAC (Heating, Ventilation, and Air Conditioning), electrical, and plumbing.

  • HVAC coverage typically extends to components like furnaces, heat pumps, and air conditioning units, protecting against breakdowns and malfunctions.
  • Electrical coverage may include wiring, circuit breakers, and electrical panels, addressing common issues like faulty wiring or power surges.

Appliance Coverage Home warranty plans also cover major appliances commonly found in homes, such as refrigerators, ovens, dishwashers, and washing machines.

  • Appliance coverage typically includes repairs or replacements for mechanical failures, ensuring homeowners aren’t left with unexpected expenses when appliances malfunction.
  • Coverage for kitchen and laundry appliances is particularly beneficial, as these items are essential for daily living and can be costly to repair or replace.

Common Exclusions

  • Certain pre-existing conditions or improper maintenance may not be covered under the warranty, so homeowners should understand their responsibilities for maintaining covered systems and appliances.
  • Additionally, there may be limits on coverage amounts or the number of service calls allowed per year, which can affect the overall value of the warranty.

Here Are Some Additional Points To Consider

  • Response Time Understanding the average response times for service calls and the availability of technicians in different regions of North Carolina can help homeowners assess the responsiveness of their warranty provider.
  • Service Providers Homeowners should inquire about the reputation and reliability of these service providers to ensure timely and quality repairs.
  • Payment Structures When evaluating the affordability of a home warranty plan, it’s essential to consider both upfront costs, such as annual premiums and deductibles, and potential long-term savings on repair expenses.

Who regulates Home Warranty Companies In North Carolina?

Several entities of the state protect consumers in North Carolina:

  • North Carolina Department of Commerce (NCDOC) The NCDOC doesn't directly regulate home warranty companies. However, it enforces the North Carolina Consumer Protection Act, which prohibits deceptive and unfair business practices. This means companies cannot mislead you in their advertising or during the sales process.
  • North Carolina Department of Justice (NCDOJ) Unlike the NCDOC, the NCDOJ doesn't directly regulate home warranty companies. However, it provides resources about home warranties and handles consumer complaints against these companies. If you believe a home warranty company has engaged in unfair practices, you can file a complaint with the NCDOJ.

Final Word

The ideal home warranty plan guarantees that you receive all available benefits. When selecting a company's home warranty plan in North Carolina, carefully review the coverage, company standing, and contract costs of the home warranty plan!

Frequently Asked Questions (FAQs)

Are Home Warranties Worth It In North Carolina?

A.

A home warranty becomes even more valuable in North Carolina, where the weather can vary from hot summers to cold winters. Older systems, especially HVAC systems, may face increased strain. Coverage ensures protection against unexpected repair costs, which is particularly important for maintaining a comfortable home environment.

What Does A Home Warranty Cover In North Carolina?

A.

A home warranty in North Carolina typically covers repairing or replacing major home systems and appliances. Commonly covered items include HVAC systems, plumbing, electrical systems, kitchen appliances, water heaters, and more. Specific coverage can vary between plans and providers, so it’s essential to carefully review the terms and conditions of the chosen warranty policy.

Who Pays For A Home Warranty In North Carolina?

A.

The responsibility for paying for a home warranty in North Carolina can vary and is often negotiated between the buyer and seller during a real estate transaction. In some cases, the seller may choose to provide a home warranty as an incentive to attract buyers or to address concerns about the condition of the home’s systems and appliances.

Alternatively, the buyer may purchase a home warranty independently for added peace of mind.

Is a home warranty required by law in North Carolina?

A.

No state law in North Carolina mandates the requirement of a home warranty. Home warranties are generally optional and are not legally required for real estate transactions.

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