Best Home Warranty Companies in North Carolina

From the water heater that provides you with a steamy shower in the morning to your clothes washers that keeps your clothes clean, your house is made up of a number of important home systems and appliances. Unfortunately, these systems can be expensive to maintain, and by the time one breaks down, it might be too late to protect your finances.  

That’s where a home warranty can come in handy. When you sign up for a home warranty plan, you’ll pay a monthly or annual premium to your plan provider. In return, if you ever need a repair or replacement for one of your home’s components, your home warranty company will provide it in exchange for a small service fee. Keep reading to learn more about home warranties and the best providers in your state.

North Carolina’s top 5 home warranty companies

Top home maintenance problems in North Carolina

Homes in North Carolina are prone to breakdowns just like any other home in the country. Let’s take a look at a few of the most common problems you’ll face as a North Carolina homeowner and how a home warranty will help cover the associated costs.

• Electrical outages: North Carolina’s position next to the Atlantic Ocean means that the state receives more than its fair share of windstorms and torrential downpours. Frequent storms can put a toll on both your home and local electrical systems, causing surges. A home warranty in North Carolina can help you tackle expensive electrical issues that come as a result of these surges.
• Heating breakdowns: If you live in the northern, mountainous range of North Carolina, you already know that a functioning heating system is essential during the winter. A home warranty will cover any breakdowns that arise from the constant use of this system during colder months.
• Air conditioning system damage: Summers in North Carolina are both hot and humid, making your air conditioner an important asset. If the heat of the summer puts an increased strain on your air conditioning system, a home warranty can help you repair it quickly. 

1. Liberty Home Guard

Though Liberty Home Guard isn’t as old as many of its competitors, the company has made a name for itself as a reliable home warranty provider. Over 450 real customers have rated their experience with the company on its Better Business Bureau profile, giving it an average score over 4.5 stars out of 5.

Liberty Home Guard offers three plan choices:

• Appliance Guard: The Appliance Guard plan covers nine of your home appliances.
• System Guard: The System Guard plan covers six of your home’s systems.
• Total Home Guard: The Total Home Guard plan is Liberty’s most comprehensive coverage option, combining all coverages found in both the Appliance Guard and System Guard plans.

View pricing information for each of Liberty Home Guard’s plans below:

You’ll also pay a $60 service fee each time you use your plan.

Claim your free quote from Liberty Home Guard by completing this online form or calling 866-451-2281.

2. First American Home Warranty

Another top choice for home warranties in North Carolina, First American Home Warranty has been offering policies for upwards of 35 years. First American is best known for its First Class Upgrade that covers improperly installed and maintained items and fees like building permits and haul away services.

First American Home Warranty currently offers two plans:

• Basic Plan: The Basic Plan includes coverage for nine home appliances.
• Premier Plan: The Premier Plan includes coverage for everything found in the Basic Plan plus eight home systems.

Take a look at how much First American Home Warranty costs:

You’ll also pay a $75 fee for each service request.

Claim your free quote from First American Home Warranty by completing this online form or calling 833-204-7164.

3. American Home Shield

American Home Shield is one of the longest-standing home warranty providers in North Carolina with almost 50 years of experience in the industry. While the company’s plans cost more than most of the others in this review, you get generous coverage caps, which means even the most expensive repairs will be fully covered.

American Home Shield has three plans:

• Systems Plan: The Systems Plan includes coverage for 12 home systems.
• Appliances Plan: The Appliances Plan covers 10 of your home’s largest appliances.
• Combo Plan: The Combo Plan includes all coverages found in both the Systems and Appliances Plans for one lower price.

Scan the table below for pricing estimates of American Home Shield’s plans:

You also get to choose your service fee from $75, $100, or $125. You’ll pay your chosen amount each time you file a claim.

Claim your free quote from American Home Shield by completing this online form or calling 888-365-2839.

4. Choice Home Warranty

If you’re looking for a simple, straightforward plan, be sure to consider Choice Home Warranty. Choice Home Warranty only offers two plans, but both of these plans cover systems and appliances at an affordable price.

Take a look at what each plan covers:

• Basic Plan: Choice Home Warranty’s Basic Plan covers 14 systems and appliances, including your heating system, plumbing system, dishwasher, cooktop, and ductwork.
• Total Plan: The Total Plan includes everything in the Basic Plan plus your washer, dryer, air conditioner, and refrigerator.

Here are pricing estimates for Choice Home Warranty:

You’ll also pay an $85 service fee each time you use your plan.

Claim your free quote from Choice Home Warranty by completing this online form or calling 929-400-6164. 

5. Select Home Warranty

Homeowners shopping on a strict budget should consider purchasing their home warranty from Select Home Warranty. Select Home Warranty offers some of the most affordable pricing in North Carolina, with all of its plans available for less than $40 a month. 

Select Home Warranty currently offers three plans:

• Bronze Care: The Bronze Care plan offers coverage for eight home appliances.
• Gold Care: The Gold Care plan covers six of your home systems.
• Platinum Care: The Platinum Care plan includes all coverages listed in both the Bronze Care and Gold Care plans plus a few additional coverages.

View pricing information from Select Home Warranty below:

You’ll also pay a $75 service fee each time you need to use your plan.

Claim your free quote from Select Home Warranty by completing this online form or calling 888-370-3953.

North Carolina home warranty buying guide

Be sure to consider the following factors as you shop for a home warranty plan in your area.

• Add-ons: Most home warranty plans cover the largest and most common systems and appliances. If you have other components you want covered, look for a company that has a long list of add-ons, like Liberty Home Guard, so that you can customize your coverage.
• Customer service: If you’ve ever dealt with a heating system breakdown or an overflowing toilet, you know just how important quality customer service is. To ensure that you get timely repairs for every breakdown you encounter, look for a provider that has 24/7 customer service or at least 24/7 claims reporting.
• Coverage caps: Most home warranty providers have caps on how much they’re willing to spend on repairs for an item over the course of your contract period. For example, if a company has a $1,500 cap on HVAC repairs, that means they will only pay up to $1,500 in a year. If a repair exceeds that amount, you’ll have to cover the remaining amount yourself. If you want to avoid out-of-pocket expenses, look for a provider with high coverage caps.

Our conclusion

We recommended Liberty Home Guard, First American Home Warranty, American Home Shield, Choice Home Warranty, and Select Home Warranty for North Carolina homeowners based on customer service, pricing, and coverage. Before making a final decision on what type of plan you want and who you want to get that plan from, we recommend contacting the companies directly so that you get the most accurate pricing information for your area.

Frequently asked questions about North Carolina home warranties

Can you buy a home warranty after something breaks?

Most home warranty plans include waiting periods that begin when you purchase your policy. For example, if your home warranty has a waiting period of 30 days, you cannot use your policy for the first month. This prevents you from purchasing a policy and immediately filing a claim for an item that was already broken.

Will a home warranty cover my heating system?

Most home warranty policies that include protection for systems will cover your heating and cooling systems. However, each company will have different limitations in terms of what parts of the HVAC system they cover and how much they’re willing to spend on a repair.

Do home warranties cover pools?

Most home warranty companies don’t cover pools and spas in a standard plan. However, almost every provider will allow you to extend coverage to your pool for an additional fee.