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Best Home Warranty Companies In south carolina 2024

South Carolina’s charm extends beyond its beautiful beaches and vibrant cities. However, like any home, yours can experience unexpected appliance breakdowns or system failures. Don’t let these worries disrupt your Southern serenity. This guide unveils the best home warranty companies in South Carolina, empowering you to find the perfect shield for your home and budget.

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

Exploring the home warranty landscape in South Carolina can be complex. To assist you in making a knowledgeable choice, we have listed the top home warranty companies in South Carolina. This comparison simplifies selecting the ideal provider that aligns with your requirements and financial plan.

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 30-day free trial
  • Has a wide list of 27 add-on options
  • Provides a 90-day workmanship guarantee

Cons

  • Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Similar to many competitors, Elite Home Warranty provides three coverage tiers: appliance-only, system-only, and a combined plan. Their Elite Appliances package covers eight appliances, while the Elite Systems package covers six home systems. If you need protection for both, their Elite Complete plan combines everything from the other two.

Plans

Elite Appliances

Elite Systems

Elite Complete

Service Call $70

$43.99

$48.99

$58.99

Elite Appliances

  • Protects crucial kitchen and laundry appliances (e.g., refrigerator, dishwasher)
  • Offers a budget-friendly solution for hassle-free appliance repairs
  • Suitable for new homeowners seeking coverage primarily for their major appliances

Elite Systems

  • Ensures the protection of your home’s essential systems (plumbing, heating, electrical)
  • Provides peace of mind with coverage for major systems
  • Aims to prevent expensive repairs in the future

Elite Complete

  • Offers ultimate home protection
  • Merges both appliance and system coverage for comprehensive security
  • Ideal for total peace of mind and protection against unexpected repair costs

Why We Picked It?

Elite Home Warranty offers strong coverage at a fair price, especially considering higher limits than competitors. With flexible plans designed to accommodate various needs and budgets, it delivers customized protection for homeowners.

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 30 plus add-on options
  • Provides a 60-day workmanship guarantee
  • Offers Live-chat feature

Cons

  • Limited contractor selection

Plans, Cost & Coverage

Liberty Home Guard provides three choices for plans—covering appliances separately, home systems separately, or a combined coverage for both. At the highest service fee level, prices begin at $49.99 for the Appliance Guard plan, $54.99 for the Systems Guard plan, and $59.99 for the Total Home Guard plan.

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99/Month

$54.99/Month

$59.99/Month

Annual Plan

$499.99/Annum

$549.99/Annum

$599.99/Annum

Appliances Guard

  • Comprehensive protection for key household appliances
  • Coverage includes refrigerators, ovens, washers, and other appliances.
  • Flexible payment options with affordable pricing

Systems Guard

  • Extensive coverage for vital home systems
  • Components covered include HVAC, electrical, plumbing, and more.
  • Competitive pricing to suit your budget

Total Home Guard

  • Complete coverage for both appliances and systems
  • Protects your entire home comprehensively
  • Value-oriented pricing provides savings on bundled coverage

Why We Picked It?

Homeowners in South Carolina can opt for Liberty Home Guard for their home warranty needs due to its tailored protection plans designed to cover both appliances and essential home systems, ensuring comprehensive coverage for their properties. 

Additionally, the company provides competitive pricing options that can be customized to fit various budgets, making it accessible and beneficial for homeowners across South Carolina to secure their homes with reliable protection from Liberty Home Guard.

Best For Added Plumbing Coverage
2.8 | twohalf_star Good

Monthly Cost

$45 - $85

Service Fee

$75, $100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Generous coverage caps
  • Flexible Simple service fee model
  • Home Inspections are not mandatory

Cons

  • Limited service provider choices

Plans, Cost & Coverage

First American Home Warranty offers flexible coverage options to match your needs and budget. They have three plans: The Starter Plan for 5 basic appliances & systems, the Essential Plan for 9 items, and the Premium Plan for more than 15 items. With FAHW, you can customize your coverage and find the perfect fit for your home.

 

Starter Plan

Essential Plan

Premium Plan

Service Call of $125

$45

$55

$70

Service Call of $100

$50

$60

$75

Service Call of $75

$60

$70

$85

Starter Plan:

  • Covers essential appliances & systems: fridge, dishwasher, plumbing, and more
  • Budget-friendly option for basic coverage needs

Essential Plan:

  • Includes everything in the Starter Plan, plus four additional items
  • Protects air conditioner, water heater, garage door opener, and washer & dryer
  • Considerable for peace of mind on core home functions

Premium Plan:

  • Most comprehensive coverage
  • All features of Starter & Essential Plans
  • Covers extras like garbage disposal, luxury appliance coverage, and more
  • Ultimate protection for your entire home

Why We Picked It?

Homeowners concerned about potential problems in older homes or those seeking coverage at an affordable price should consider plans from First American Home Warranty (FAHW).  

These plans go beyond covering wear and tear, offering protection against issues arising from improper installation or maintenance—a common concern in older properties. With various coverage options, FAHW can help you find the perfect fit for your needs and budget.

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

  • Free limited roof-leak coverage
  • Generous HVAC coverage
  • Annual discounts

Cons

  • Comparatively lower coverage caps for appliances

Plans, Cost & Coverage

Select Home Warranty offers three primary options: Bronze Care, Gold Care, and Platinum Care. One notable feature across all plans is limited coverage for roof leaks, capped at $400. The annual cost of these plans varies from $479 to $524, accompanied by a service fee ranging from $60 to $75 per claim.

Plans

Bronze Care

Gold Care 

Platinum Care

Monthly

$44.42

$44.42

$47.75

Yearly

$479.99

$479.99

524.99

Bronze Care

  • Affordable coverage for 8 crucial appliances, such as refrigerators and dishwashers
  • Suited for new homeowners or individuals with recently purchased appliances
  • Ensures financial relief during unforeseen repair expenses

Gold Care

  • Safeguards 7 essential home systems like plumbing, heating, and electrical
  • Offers peace of mind by covering major breakdowns
  • Prevents expensive repairs that could burden your finances

Platinum Care

  • Provides comprehensive protection for your entire home
  • Integrates appliance and system coverage for enhanced security
  • Perfect for worry-free living and maximum peace of mind

Why We Picked It?

Select Home Warranty provides roof-leak protection as a standard inclusion in all its plans, offering homeowners peace of mind regarding potential damages. What distinguishes Select Home Warranty is its dedication to customer satisfaction. Furthermore, customers can tailor their coverage with a range of add-ons, allowing them to personalize their plan to suit their individual requirements.

Best For Customer Services
3.3 | threehalf_star Good
$200 Off + 2 Months Free*

Monthly Cost

$43 - $79

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

  • Provides discounts on annual plans
  • Offers a service guarantee of 90 days
  • Extensive network of prescreened technicians

Cons

  • Lower aggregate coverage limit

Plans, Cost & Coverage

ServicePlus Home Warranty offers two options for homeowners: the Gold and Platinum plan. The Gold Plan covers essential home systems and appliances, catering to those seeking comprehensive protection at reasonable prices. The Platinum Plan is the most comprehensive, including everything from the Gold Plan plus extra appliances.

Plans

Gold Plan 

Platinum Plan

Monthly

$37.46

$43.71

Yearly

$349.50

$429.50

Gold Plan

  • Protects 15 core systems that keep your home functioning smoothly
  •  Provides valuable protection for your home’s essential components at an affordable monthly cost
  • Offers peace of mind with access to responsive customer service representatives any day, any time

Platinum Plan

  • Expands on the Gold Plan to include 5 additional appliances & systems like a washer, dryer, refrigerator, air conditioner, and heating system
  • Raises the maximum payout per covered item for repairs or replacements compared to the Gold Plan

Why We Picked It?

ServicePlus Home Warranty stood out to us for its commitment to providing homeowners with a wide range of coverage options, allowing them to tailor their policies to suit their needs. The combination of affordability and comprehensive coverage makes it an option among the home warranty companies in South Carolina

Are Home Warranty Plans Beneficial For South Carolina Homeowners?

Shield your wallet and safeguard your peace of mind by discovering the benefits of home warranty plans in South Carolina!

  • Safeguard your budget from the unexpected costs of repairing or replacing essential cooling systems like air conditioners, a common concern in South Carolina's warm climate.
  • Mitigate the financial impact of appliance breakdowns caused by power surges or other weather-related events, which can be more frequent in South Carolina due to its coastal location and potential for storms.
  • Guard your valuable home against the high cost of repairs for major systems like plumbing and electrical, which are often more expensive to fix in older South Carolina homes.
  • Enjoy the serenity of coastal living without worrying about surprise repair bills, especially for appliances prone to wear and tear in beach environments, like dishwashers and refrigerators.
  • Many home warranty companies in South Carolina partner with local, pre-approved contractors, allowing you to contribute to the state's economy while receiving quality service.

How Much Does A South Carolina Home Warranty Cost?

Here's a breakdown of the average costs associated with home warranty plans in South Carolina:

Average Annual Cost

$612

Average Monthly Cost

$51

Average Service Fee (Deductible)

$75 - $150 per claim

It's important to remember that these are just averages, and your actual costs may vary depending on several factors, including:

  • Coverage level: Plans with broader coverage for more appliances and systems will typically cost more than basic plans.
  • Deductible: Choosing a higher deductible can lower your monthly premium, but you'll be responsible for paying more out of pocket for each repair.
  • Location: Home warranty costs can vary slightly depending on your location in South Carolina.
  • Age and condition of your home: Older homes or those with known maintenance issues may be more expensive to insure.

Home Warranty Coverage In South Carolina

While specific coverage details vary by provider, here’s a general overview of what home warranties typically cover in South Carolina, along with some exclusions and additional considerations:

Common Coverages

  • Major appliances: Refrigerators, dishwashers, ovens, ranges, garbage disposals, clothes washers, and dryers are among other appliances that are usually covered by a home warranty.
  • Major systemsElectrical wiring and components, plumbing systems, and HVAC systems, including components like furnaces, ductwork, and central air conditioners, are some of the major systems that get covered.
  • Additional coveragesSome companies offer optional add-ons for specific needs in South Carolina, such as pool and well pump protection, septic system coverage, or roof leak repairs (limited coverage).

Common Exclusions

  • Cosmetic issuesDamage not affecting functionality, like scratches or appliance dents, are usually excluded.
  • Pre-existing conditionsCompanies generally do not cover existing wear and tear, improper installation, or damage caused by neglect or lack of maintenance.
  • Specific exclusionsCarefully review the policy wording to understand what’s not covered, as it can vary between companies. For example, some plans might exclude ice makers, garbage disposals, or specific brands of appliances.

Here Are Some Additional Points To Consider

  • Coverage limitsConsider the maximum amount a plan will pay for each repair or replacement.
  • Service call feesBe aware of the service fee you’ll be responsible for paying each time you file a claim.
  • Renewal process and price increasesUnderstand the process for renewing your plan and if there are potential price increases upon renewal.

Who regulates Home Warranty Companies In South Carolina?

The South Carolina Department of Insurance (SCDOI) oversees and enforces regulations governing home warranty companies in South Carolina. Their primary goal is to protect consumers from unfair or deceptive practices within the industry.

How they are regulated:

  • Registration: All home warranty companies operating in South Carolina must register with the SCDOI. This ensures they meet basic qualifications and adhere to established regulations.
  • Licensing: Companies are required to obtain a South Carolina Home Service Contract License. This license signifies they have paid the necessary fees and met the state's licensing requirements.
  • Financial Requirements: Companies must demonstrate financial solvency to fulfill their obligations to policyholders.

Final Word

While several reputable companies offer various plans, prioritize your specific needs and budget when comparing options. Common mistakes homeowners make include needing to thoroughly review coverage details and exclusions and overlooking service call fees. 

Remember, regular maintenance of your appliances and systems prevents unnecessary breakdowns and maximizes the benefits of your chosen plan.

Frequently Asked Questions (FAQs)

Is A Home Warranty Mandatory In South Carolina?

A.

No, a home warranty is not legally mandatory in South Carolina. While home warranties can provide peace of mind and financial protection, they are not mandatory for homeownership in South Carolina or most other states.

What Are The Most Common Appliance Repairs In South Carolina?

A.

South Carolina’s warm and humid climate contributes to prevalent air conditioning issues, including compressor malfunctions or refrigerant leaks. Water heaters may require attention due to hard water-related problems or heating element malfunctions. 

Additionally, washing machines commonly need maintenance for issues like water drainage problems or malfunctioning spin cycles. Plumbing repairs are also frequently reported, including leaky pipes or clogged drains.

Do Home Warranty Companies Provide Workmanship Guarantee?

A.

Yes, home warranty companies typically provide a service guarantee for the workmanship of their contracted service providers. The service guarantee ensures that the repairs or services performed by the technicians are effective and meet industry standards. 

If an issue arises with the covered system or appliance after a service call, the homeowner can typically request a return visit at no additional cost within a specified timeframe.

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