We maintain complete transparency with the readers on our website. The company rankings on our site are independent of any marketing relationships that we may hold with a home warranty company. We may receive compensation for receiving quotes or placing advertisements. However, this does not affect a company's rankings. Companies are ranked solely on the basis of consumer reviews and ratings received from home warranty users.

*The lead information obtained will be sent to the respective companies as selected by the readers. However, the lead will be shared with a similar company if the selected company either doesn't participate in Leads Program or doesn't respond.


We maintain complete transparency with the readers on our website. The company rankings on our site are independent of any marketing relationships that we may hold with a home warranty company. We may receive compensation for receiving quotes or placing advertisements. However, this does not affect a company's rankings. Companies are ranked solely on the basis of consumer reviews and ratings received from home warranty users.

*The lead information obtained will be sent to the respective companies as selected by the readers. However, the lead will be shared with a similar company if the selected company either doesn't participate in Leads Program or doesn't respond.

Home  /   Us   /  north carolina
last_updated_date Updated on September 26, 2023
last_updated_date Updated on September 26, 2023
Best Home Warranty Companies In North Carolina (nc)

Best Home Warranty Companies In North Carolina (NC)

North Carolina experiences sweltering summers and freezing winters. In such weather conditions, systems and appliances break down often due to overuse, and fixing them costs you hundreds of dollars. To help you reduce your maintenance costs, we advise you to pick among the best home warranty companies in North Carolina (NC).

Disclaimer: We facilitate quotes from reputable home warranty providers and may earn a commission, but that does not influence our evaluation process to produce unbiased reviews.

A home warranty can be your one-stop shop for all home system and appliance upkeep. We have listed the repair and replacement costs of some commonly used appliances to give you an idea of how expensive it is without a home warranty.

Repair And Replacement Cost Of Various Appliances In NC

Take a look at the average costs of some major systems and appliances that are often used in North Carolina homes:


Now that you know how expensive these maintenance costs are, you can try exploring home warranty options.

  • 90-day service guarantee
  • Two comprehensive plans
  • Covers 46 states
$200 Off + 2 Months Free Coverage
  • 30-day labor guarantee
  • 90-day parts guarantee
  • $3k dollar limits on each item
1st month free + Free roof coverage
  • Multi-year plans
  • Same-day response on claims
  • B rating from BBB
$150 off + Free roof coverage + 2 months free

Top Home Warranty Companies In North Carolina

Among several top home warranty companies in North Carolina, we have selected the best-rated companies for you. 

Premium (Monthly)
Coverage Limit
Workmanship Guarantee
Covers Pre-Existing Conditions

An existing malfunction in any system or appliance before the coverage begins on a home warranty plan refers to a pre-existing condition. A unknown pre-existing condition is one that cannot be detected during the routine maintenance/inspection or is unknown to the homeowner. To know more, you can refer to our detailed article on does home warranty cover pre-existing conditions.

Choice Home Warranty
$46-$55 Upto $3K/item 60-Day No Extended Coverage For Homes Up To 5000 Sq. Ft. At Zero Extra Fees
American Home Shield (AHS) VIEW MORE $29 - $99 $4k-$5k 30-Day Yes (Unknown) HVAC Tune-Ups
ServicePlus Home Warranty
$60-$67 $3k/item 90-Day No Limited Roof Coverage With Annual Plan Purchase
Select Home Warranty
$44 - $47 $3k/Item 90-Day No Free Roof Leak Coverage
First American Home Warranty VIEW MORE $47-$87 $2,500 N/A No First Class Upgrade On Major Home Items

Best Home Warranty Companies In North Carolina: Reviewed

Take a look at the detailed review of the top home warranty companies in NC and get a better understanding of the available coverage, prices, terms, and more. 

Choice Home Warranty

four_star4.0 / 5
Free coverage for a month + roof coverage

Choice Home Warranty is another industry leader covering over 1.6 million homes in the country. The offered coverage options and premiums are affordable. Plus, it offers certain added benefits such as offering labor & parts guarantees and regular discounts to homeowners across the States, including North Carolina making Choice a worthy consideration.


  • Offers free roof leak coverage
  • Several months free of coverage on multi-year plans


  • Low coverage limit on the plans

Plans And Coverage:

Choice offers two plans: Basic Plan and Total Plan. The first plan covers 14 systems and appliances, and the second plan offers coverage of 18 home items. Apart from the two plans, there are optional add-ons that you can add to your plans at an extra cost. 


The basic plan costs $46 monthly, and the Total plan comes at around $54 monthly. CHW charges service fees from $75 to $150.

$46.83 $46.83 Basic Plan
$54.75 $54.75 Total Plan

Exclusions and Coverage Limit

According to Choice’s sample contract, the company will not cover damages due to lack of maintenance, neglect, unforeseen circumstances, etc. Items with pre-existing conditions are also exempt from coverage.

Apart from the exclusions, there are certain set coverage limits for diagnosis, repair, or replacement for covered items, which is $3000.

American Home Shield (AHS)

four_star4.0 / 5
Cashbacks + Amazon gift cards

American Home Shield is a renowned home warranty provider operating in the States since 1971. It provides services in around 49 states, including North Carolina, and is widely known for offering comprehensive coverage limits. 


  • Offers unlimited systems coverage
  • Covers undetectable pre-existing conditions


  • Workmanship guarantee is just for 30 days

Plans and Coverage

American Home Shield offers three plans to homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. The first two plans cover systems and appliances, respectively. The ShieldPlatinum Plan covers everything from the other two plans, plus some additional items. 


American Home Shield plans range between $19 to $70 per month depending on the three deductibles options: $75, $100, and $125. According to the company’s policy, the higher the deductible price you choose, the lesser the monthly/annual premium you will have to pay.

$19.99 $19.99 ShieldSilver
$39.99 $39.99 ShieldGold
$69.99 $69.99 ShieldPlatinum

Exclusions and Coverage Limit

Your American Home Shield contract will not cover routine maintenance, venting, exhaust lines, chimneys, and cosmetic damage. Some home management systems are also not covered, such as fire sprinkler systems and radon monitoring systems. Also, issues such as mold, bio-organic growth, rot, fungus, and pest damage are not covered.

The company also has dollar limitations on how much liability it has when repairing and replacing any of the covered items. As per the AHS contract, you can take advantage of unlimited dollar limits on systems and up to $6k on appliances.

ServicePlus Home Warranty

fourhalf_star4.2 / 5
$200 off + 2 months free coverage

New Jersey-based ServicePlus Home Warranty is an option for clients who want the freedom to design a plan that covers everything they want to cover. Unlike some of its competitors, the company claims to offer plans at $2/ day and provides roof leak coverage as an add-on.


  • Offers 90-day service guarantee
  • Provides regular discounts on all the plans


  • No option for system-or-appliance-only plan

Plans & Coverage

Service Plus Home Warranty offers two plans: Gold Plan & Platinum Plan with 18 optional items. These plans cover all major home items, such as the plumbing system, electrical system, oven/range/stove, dishwasher, garbage disposal, a/c system, heating system, clothes washer & dryer, refrigerator, and more.


The Gold plan comes at $43.25/month, whereas the Platinum plan costs $49.92/month. The price can go up or down depending on your coverage needs. Apart from the premiums, a $75 deductible is there.

$43.25 $43.25 Gold
$49.92 $49.92 Platinum

Exclusions and Coverage Limit

ServicePlus Home Warranty does not cover pre-existing conditions (known and unknown), cosmetic defects, rust, misuse, or sedimentary build-up. Damage due to natural calamities, lightning strikes, and acts of Gods are also not covered. 

Other issues, such as missing components or items damaged caused by animals, bugs, mildew, mold, fungus, virus-related malfunctions, and items declared faulty by the Consumer Product Safety Commission, are also not covered.

ServicePlus has coverage limitations of $3000 for each covered item’s repair and replacement.

Select Home Warranty

threehalf_star3.5 / 5
$150 off + two months of free coverage + free roof coverage

Select Home Warranty is a cost-effective home warranty provider for each homeowner who wants inexpensive rates and roof coverage. All three of its plans cover essential home items priced at less than $50 a month, and the company runs regular promotions to reduce the premiums.


  • Select has an extensive contractor network
  • Provides free limited roof coverage


  • Lower dollar limits for appliances
  • $75 cancellation charges

Plans and Coverage

Select Home Warranty has three plans of varied coverage for homeowners; Bronze Care, Gold Care, and Platinum Care. Its Platinum Care plan is the most comprehensive. There are nine optional add-ons that homeowners can choose to purchase in exchange for some extra dollars. 


Select’s pricing is different for all three of its plans. You can buy Bronze Care & Gold Care plans cost $45 monthly, whereas the Platinum Care plan at $50 per month. The deductibles or service fees vary for each state, usually between $60-$100.

$45.67 $45.67 Bronze Care
$45.67 $45.67 Gold Care
$50.25 $50.25 Platinum Care

Exclusions and Coverage Limit

Select Home Warranty does not cover failures caused by abuse, rust, corrosion, improper installation, or known or unknown pre-existing conditions. Some components or parts of any covered item, such as freon, crushed ductwork, lights, solar heating systems, etc., are also not covered. 

The company does not offer coverage for items that require repair or replacement due to Acts of Nature and damages due to water, fire, and mold spores.

The Select Home Warranty also has an aggregate limit of $2k per system or appliance covered in your contract.

First American Home Warranty

threehalf_star3.1 / 5
First Class Upgrade option + $25 Amazon gift card

First American Home Warranty has been in the market for almost 40 years providing home warranty plans across the States. Over the years, it has served over 8.6 million homeowners by helping them save over $219 million in covered repairs and replacements.


  • Unlimited coverage caps for heating, ductwork, and Ac system
  • Provide First class upgrade on key home items


  • Does not provide A/C coverage in the main plans

Plans & Coverage

The Starter Plan and the Premier Plan are the two available plan options from First American Home Warranty. The Starter Plan covers home appliances like your dishwasher, built-in microwave, cooktop, etc. If you go for the Premier Plan, you can get everything from the Starter Plan plus eight additional home systems.


First American charges $36 per month for Starter Plan and $46.5 per month for the Premier Plan. An $85 service call fee needs to be paid when you file a claim. 

$33 $33 Basic Plan
$45 $45 Premier Plan

Exclusion and Coverage Limit

First American Home Warranty plans do not cover accessories, shelves, knobs, hinges, digital meters, transmitters, components like doorbells and lock assemblies in kitchen appliances, heating elements like vents, fuel storage tanks, and space heaters.

Additionally, all the covered items will be repaired or replaced up to a decided amount known as a dollar or coverage limit. FAHW has a limit of up to $2.5k per contract for each covered item.

Annual Cost Of Home Maintenance In Top North Carolina Cities

In this section, we’ll take you through the data on average home maintenance costs in prominent North Carolina cities. Take a look:



North Carolina homeowners face many issues, from housing to keep up with the high living costs. Adding home maintenance costs to this increases the financial burden on homeowners in North Carolina. As a result, we advise investing in home warranty plans to keep maintenance costs at a minimum.

The following section discusses the requirement of investing in a home warranty in major cities of North Carolina.

Charlotte, North Carolina

The weather conditions in Charlotte fluctuate from temperatures going below 25°F in the winters to soaring temperatures of 96°F in the summers. Such extreme temperature variations strain many systems and appliances, drastically increasing home maintenance costs.

A home warranty can help you reduce the cost of repairing or replacing the home systems and appliances. It can also help you quickly resolve as you are only required to contact a single source for issues emanating from any system or appliance.

Asheville, North Carolina

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!

Home warranty plans offer solutions to keep your home maintenance costs to a minimum, as you are only required to pay a premium to safeguard your home.

Durham, North Carolina

Although Durham is among the most beautiful cities in the state, it is among the most expensive places. Add to this the low average wages received by the residents of Durham, which makes it difficult for most households to bear the high unexpected maintenance costs.

Additionally, most Durham houses have issues such as cast iron piping, which costs thousands of dollars. Therefore, investing in a home warranty is recommended to protect your finances and deal with many household issues with ease.

Greensboro, North Carolina

According to a report, many low-income families in Greensboro earning under $30,000 yearly spend more than 30% of their monthly income on just home-related issues. This statistic shows the massive challenge of home maintenance costs to Greensboro residents.

Home warranty plans have helped many Greensboro residents safeguard their finances and find help quickly if any appliances or systems break down.

Why Should You Buy A Home Warranty In North Carolina?

North Carolina witnesses severe rainfall yearly and bears the brunt of many thunderstorms! The state is also prone to high temperatures in the summer and lower temperatures in the winter.

AverageAverage Rainfall

48 inches/ Year

Average SunlightAverage Sunlight

213 Sunny Days/ Year

General Climate ConditionsGeneral Climate Conditions
  • Hot Summers (High)
  • Severe Thunderstorms
Tropical CyclonesTropical Cyclones

May – December

If you reside in Blowing Rock or Boone, North Carolina, you must have experienced a foot of snow every day outside your home in winters. Similarly, you will have to deal with humidity if you reside in Wrightsville Beach, Kitty Hawk, or Nags Head on North Carolina’s coast.

Such climatic conditions can expedite the wear and tear of your home systems & appliances. To protect them, investing in the perfect home warranty company can be the best bet.

Common Home Repair Problems Faced By North Carolina Homeowners

There are several problems that homeowners in North Carolina frequently discover. This section discusses the top home repair issues of the state.

Roofing Issues

Inspecting homes often uncovers roofing issues. The materials that cover the roof deteriorate with time, just like the house. A typical roof will need to have its shingles replaced several times throughout its lifespan because asphalt shingles typically last between 15 and 40 years.

Roofing Damages
Electric Wiring Problems

Electric Wiring Problems

Most older homes from the 1940s to the 1960s face electric wiring issues. Modern homes typically have higher electrical power supply and are wired to meet all current electrical codes and standards.

After a home inspection, this could become a significant issue depending on the extent of the wiring problems. It might only need a quick fix or a complete overhaul of the electrical system costing anywhere between $200 to $1000.

Plumbing Problems

You may discover various plumbing issues, including low water pressure, leaks, pipe damage, slow drains, or leak signs over time. Plumbing issues are problematic because water damage is so expensive to repair.


Best Home Warranty Companies in North Carolina: Comparison

Look at the below-mentioned table for a quick comparison between the best home warranty companies in NC.

Home Warranty Regulations In North Carolina

Home Warranty companies in North Carolina are regulated by the Department of Justice and need to be licensed by the same. If you are a dissatisfied home warranty holder, you can register a complaint with the department. 

Bottom Line

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!

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How Can Home Warranties Help Me Save Money?

Home warranties are service contracts offering discounted repair and replacement services. Many homeowners and real estate agents in North Carolina seek the protection of home warranties in case of unexpected and expensive repairs.

A typical home warranty policy’s annual premium can cost you $350-700, with a monthly premium coming up to $30-$75. The average repair cost of a standard appliance like a washing machine can range from $130-$500, and the replacement cost can be upwards of $1000. Upon comparing the potential costs of breakdowns, you’ll find that home warranty coverage can help you if or when you face unexpected expenses and save you thousands of dollars.

Which Is The Best Home Warranty Company In NC?

Many top home warranty companies offer their services in North Carolina. Companies like AHS and Choice offer comprehensive coverage and have a vast network of trained professionals who can provide quality service.

Is A Home Warranty In North Carolina Available To Homebuyers Only?

No, while homebuyers can buy home warranties, they are also available for homeowners, sellers, and real estate agents.

What Coverage Options Are Important To Consider In NC?

Home warranty plans range from basic to comprehensive, with the choice to add optional add-ons. Your pick of coverage options should depend on your needs.

For example, if you own an older home with most systems vulnerable to mechanical failures, we recommend a comprehensive plan to cover as many systems as possible. On the other hand, if you are concerned about specific items, try searching for and picking a customizable coverage option.

What Are The Coverage Limits?

All home warranty companies have a ceiling or coverage limit to the amount they are willing to spend. Any amount exceeding the set limit must be spent out of your pocket.

On average, home warranty companies set $1500 for systems and $2000 or more for appliances. Some companies have specific limits for each coverage option. For example, AHS has a limit of $1000 for plumbing systems, while a 2-10 home warranty allots $2000 for the same. You can find this information in sample contracts of the respective companies.

What Is A Home Warranty Service Fee?

A home warranty service fee is the amount you pay to the service technician that visits your home to diagnose and repair the problem you are facing. This fee is also a deductible, trade, or service call fee.

Do I Need A Home Inspection Before Enrolling In Coverage?

Most home warranty companies do not mandate a home inspection, except for a few, especially for purchasing a real estate plan. We recommend taking a home inspection, in any case, to prove that your items don’t have any pre-existing conditions and increase your chances of a successful claims process.

How Soon Can I Submit Claims After Purchasing A Home Warranty?

Most home warranty companies have a 30-day waiting period before the coverage begins. However, some may have shorter waiting periods. Check with your home warranty provider or go through the fine print of your company to understand more about your warranty terms.