Best Home Warranty Companies in North Carolina (2021)

By Natalie Yerger

From the Oceanside regions of the Outer Banks or Wilmington, to the mountainous areas such as Asheville and Boone, to the metropolitan areas like Raleigh and Charlotte, North Carolina has a place for everyone. Whatever type of living you would like, you can find it in the Tar Heel State. However, North Carolina’s prone to some extreme temperatures reaching over 100º Fahrenheit that can stress your home systems and appliances. In our guide featuring the best home warranty companies in North Carolina, we will give you information on: 

  • How to choose the best home warranty in North Carolina
  • Why do North Carolina homeowners need a home warranty 
  • What the best companies in North Carolina are for home warranties 

Having a home warranty in place can give homeowners peace of mind about unexpected repair and replacement expenses on home systems and appliances. Home warranty coverage can protect everything from your dishwasher to your HVAC system. Narrowing down the best home warranty companies on the market can be a bit difficult. If you are overwhelmed with the number of options in North Carolina and need a bit of direction and guidance, keep reading. 

North Carolina’s Top 5 Home Warranty Companies

We have taken dozens of companies available to North Carolina residents and narrowed it down to the five best plans on the market. When we go through our home warranty selection process, we consider the coverage options, pricing, workmanship guarantee, service fee, time in the business, customer reviews, customer service, and more. Here is how North Carolina’s top five ranked. 

  1. Choice Home Warranty: Best Overall
  2. American Home Shield : Best Customizable Plans
  3. Select Home Warranty: Most Cost-Effective Plans
  4. Liberty Home Guard: Most Trustworthy
  5. First American Home Warranty: Best Appliance Coverage

Compare the Top Home Warranty Providers

This table shows the key qualities of each of the best home warranty companies and how they measure up to each other.

Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty Select Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard Liberty Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
First American Home Warranty First American Best Appliance Coverage Basic Plan: $38/month

Premier Plan: $48.50/month

$75-$100 37 B+

 

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty in the state of North Carolina. With more than 13 years in the business and the two simple plan choices, Choice makes home warranty buying quite easy. The BBB rating for Choice Home Warranty sits right around a B and with the time spent in this business and the number of positive reviews, this is quite impressive. 

Unlike other home warranty companies that may offer five or six plans to choose from, Choice offers two. This should be considered a positive as Choice likes to keep things simple and to the point. You will be impressed with both the Basic Plan and the Total Plan that both carry a variety of system and appliance choices. In addition, there are add-on options to cover anything not included in the two plan choices. 

The add-ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

The service fee for Choice Home Warranty is $85. This will rank in the middle of the road for service fees, but there is a 90-day guarantee on all repairs. 

Choice Home Warranty makes purchasing a home warranty a simple and easy process. If you are new to homeownership and worried about those unexpected costs, this is the plan to go with.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is the most customizable plan in the industry. If you want to build your own unique home warranty plan for your home, this is the company to go with. Having more than 50 years in the business and a BBB rating of B, American Home Shield is a North Carolina homeowner favorite. The overall reputation and payout rates of the American Home Shield home warranty are some of the most impressive on the market. 

The American Home Shield company offers three different plans. There is a systems plan, and then two different combination plans to choose from. The plans are very thorough and allow for quite a bit of customization with the long list of American Home Shield add ons. 

Some of the add-on coverage that you can get with American Home Shield includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

American Home Shield allows you to choose your service fee, and it can cost anywhere from $75 to $125. Remember that if you choose a lower-priced service fee, you may pay a bit more for your monthly coverage. 

Overall the American Home Shield home warranty is one of the most premium coverages you can purchase for your home. Everything about this plan allows the homeowner to get customization and a fit that works for their needs.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

The Select Home Warranty is the most cost-effective option for North Carolina homeowners. With almost ten years in the business, Select Home Warranty still offers coverage that will beat the pricing of nearly any other home warranty company on the market. When Select throws in their free roof leak coverage, it makes it hard for many customers to say no to this cost-effective North Carolina home warranty. 

Select Home Warranty offers three plans for customers to choose from. The plans include a systems choice, an appliance choice, and then a combo option. The combo offers the best coverage as well as the best value across all of the Select Home Warranty plans. Like many other home warranty companies, Select also provides a fair number of optional coverage choices. 

The add-ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

With the Select Home Warranty, there is a $60 service fee associated with the policy. This service fee is just yet another reason why you will find Select Home Warranty to be one of the best choices on the market. Select is priced relatively from the monthly plans to the add-ons to the service fee. 

If you are on the fence about whether or not a home warranty for your North Carolina home is worth the money, the Select Home Warranty plan should help you seal the deal. This is one of the most affordable and easiest to work with companies on the market.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is the most trustworthy home warranty on the market. Even though the Liberty Home Guard company has only been in the business for two years, they are doing things right and trying to offer customers the best options available on the market. With Liberty Home Guard, you get a combination of high-quality service mixed with fair pricing and value. In addition, this is the only plan on the market to have an A rating by the BBB. 

There are three Liberty Home Guard plans to choose from. Similar to other companies that allow the packages to be broken down by systems and appliances, Liberty has an appliance plan, systems plan, and combo plan. Each of the plans offers excellent coverage options that come with very fair pricing. 

The add-on coverage from Liberty Home Guard is one of the most extensive in the industry and includes things like:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

The service fee for the Liberty Home Guard plan is $60, making it one of the most affordable on the market. You will find that with Liberty Home Guard being a newer company, it has systems and technologies in place that make it an excellent choice for any North Carolina homeowner.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

To learn more information, visit our Liberty Home Guard review.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is the best option for appliance coverage in North Carolina. With First American Home Warranty, you are getting more than 37 years of experience in the industry and a company with a B+, BBB rating. First American and American Home Shield are two of the longest-standing home warranties in North Carolina. If you want premium coverage, impressive customer service, and excellent coverage options, First American is a perfect choice. 

The First American Home Warranty plans are only offered in two choices. The first is an appliance plan, one of the most affordable yet comprehensive on the market. The second is a plan that is more of a comprehensive package for your North Carolina home. In addition to the two great plan choices, you will find add-on and optional coverage choices as well. 

The optional coverage choices from First American Home Warranty includes:

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool/Spa equipment
  • Well pump
  • Septic/septic tank pumping
  • First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)
Plan Price Per Month Price Per Year
Basic Plan  $38 $420
Premier Plan $48.50 $526

First American Home Warranty charges an $85 service fee which is the same as our top provider Choice Home Warranty; this is relatively fair considering the lower pricing of the appliance plan. 

If you are specifically looking to cover your North Carolina homes appliances, this is the plan to go with. For $38 a month to not have to worry about unexpected repair and replacement costs, the Basic Plan from First American is a really smart investment.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.

To find out more, read our First American Home Warranty review.

North Carolina Home Warranty Buying Guide

Even though we have narrowed down the best North Carolina home warranty choices to the top five, you will still have to ultimately decide on one. There are a few factors that you should consider when choosing a home warranty for your home. Three of the most important are optional coverages, plan choices and company reputation. 

  • Optional Coverages: Each home on the market has individual needs. Choosing a plan that will give you a wide range of additional or optional coverages ensures that your entire home can be adequately protected.
  • Plan Choices: Some companies offer combo plans, while others will provide coverage of just systems or just appliances. Find a company that offers you the most critical coverages for the best possible value.  
  • Company Reputation: Using BBB ratings, time in the industry, and customer reviews, you can get a pretty good idea as to what a home warranty company has to offer and how they are performing. 

Top Home Maintenance Problems in North Carolina

As we have mentioned, North Carolina can experience a wide range of temperatures. Due to this fact, there are some issues that can come up around the home, including electrical system problems, HVAC issues, and even roof leaks; a home warranty is essential to have in place. Let’s take a look at these issues and how your home warranty can help. 

  • Electrical System Outages: To have the electrical system of your home covered, you will need systems or combo plan in place. Electrical systems will take care of everything from the electrical panel into your home. The cost of rewiring, replacing circuits, and fuses will all be covered under the policy. 
  • HVAC Breakdown: North Carolina summers are hot. You will have to experience only one night without air conditioning before you realize the importance of protecting your HVAC system under your home warranty plan. HVAC breakdown is a coverage that many North Carolina homeowners are looking for. 
  • Roof Leak: Roof leak coverage can cause damage in the attic of the home and all the way down through all stories. The sooner roof leak damage is attended to, the better it will be handled. If you have roof leak coverage as part of your home warranty, the service technicians can come to your home and quickly get this issue addressed. 

Get a Free Quote

From our #1 recommended home warranty provider in North Carolina

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Our Conclusion

We hope you now have a better idea as to which home warranty will be the best for your home in NC. There are plenty of great choices on the market, but Choice Home Warranty stands out as the best overall choice for North Carolina residents. Choosing a home warranty with an excellent reputation, various coverage options, reasonably priced deductibles, and excellent customer service is quite essential. From the top five choices on our list, you are bound to find a perfect option for your North Carolina home.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies of North Carolina based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

See the best home warranty companies in your state

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FAQ

How Much Does A Home Warranty Cost In North Carolina?

A North Carolina home warranty can cost anywhere from $38 a month to $75 a month or more. The cost of the home warranty plan will be directly related to the coverage that you choose for the plan and the service fee or deductible associated with the warranty. If you are worried about overall costs, there are budget warranty plan options to choose from. 

What Is Typically Covered Under A Home Warranty?

Most home warranty companies will cover the central systems and appliances of a home. These will include things like your microwave, dishwasher, clothes washer, and systems like the plumbing or electrical system. 

What Is The Best Home Warranty Company In North Carolina?

The best home warranty company in North Carolina is Choice Home Warranty. Choice offers two very straightforward plan options and fair monthly pricing. Customers that have been with Choice for more than a decade are pleased with the way these plans have protected their home. 

Will A Home Warranty Company Cover Replacement Costs?

Most home warranties will cover costs associated with both repair and replacement. The policy limits and coverage caps will limit the replacement costs. Although you won’t always get enough towards replacement to cover the entire cost of the appliance or system, a good portion of it will often be covered. 

Why do you need a home warranty plan in NC?

Alongside regular wear and tear of systems and appliances, location and climate can have huge impacts on the condition of your home. Air conditioning systems may need more frequent repair for those who live toward the North Carolina coast due to humidity and heating systems may need maintenance beyond normal wear for those living in cooler temperatures in the mountains. Whether you own real estate in Raleigh, Charlotte, Asheville, or on the coast, purchasing a home warranty can give you some peace of mind and save you expensive replacement costs in the future.

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