- 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
From the Oceanside regions of the Outer Banks or Wilmington to the mountainous areas like Asheville and Boone, to the metropolitan cities of 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.
Narrowing down the best home warranty companies in North Carolina can be difficult. 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. If you are overwhelmed with the number of home warranty options and need a bit of direction and guidance, our expert researchers break down the plans, pricing, and coverages of all the top home warranties in NC. We pulled quotes from each company and averaged costs for each plan, but we recommend getting your quote from each for better accuracy.
We have taken dozens of companies available to North Carolina residents and narrowed them 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, etc. Here is how North Carolina’s top five home warranties are ranked.
Our take:
Best Overall
Plan options:
2 plans + optional add-ons
Monthly premium:
$45-$53
Year founded:
2008
State availability:
49 states (excluding WA)
Our take:
Most Cost-Effective
Plan options:
3 plans + optional add-ons
Monthly premium:
$57-$62
Year founded:
2012
State availability:
46 states (excluding NM, NV, WA, WY)
Our take:
Most Customizable
Plan options:
3 plans + optional add-ons
Monthly premium:
$30-$75
Year founded:
1971
State availability:
49 states (excluding AK)
Our take:
Quickest Service
Plan options:
2 plans + optional add-ons
Monthly premium:
$50-$63
Year founded:
2008
State availability:
all 50 states
Our take:
Most Trustworthy
Plan options:
3 plans + optional add-ons
Monthly premium:
$65-$80
Year founded:
2017
State availability:
48 states (excluding WA & WI)
Our take:
Best Workmanship Guarantee
Plan options:
3 plans + optional add-ons
Monthly premium:
$35-$68
Year founded:
1978
State availability:
48 states (excluding AK & HI)
Our take:
Best for Immediate Coverage
Plan options:
2 plans + optional add-ons
Monthly premium:
$53-$61
Year founded:
2016
State availability:
46 states (excluding CA, NV, NY, WA)
Choice Home Warranty is the best comprehensive home warranty in North Carolina. With more than 13 years in the business and two simple plan choices, Choice makes home warranty buying relatively 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. Choice Home Warranty has some of the highest coverage caps, with most being around $3000. The combination of fair pricing and remarkable coverage caps makes Choice Home Warranty one of the best providers on the market.
Pros | Cons |
Very straightforward service contract | Plans are not customizable |
Responsive customer service | |
Plan choices have both systems and appliances | |
High coverage caps |
There are two home warranty plans for North Carolina homeowners to choose from. Choice Home Warranty has the Basic Plan and the Total Plan. These home warranty plans offer a mix of system and appliance coverage, ensuring that homeowners have exactly what they need when they experience an issue or a breakdown. Coverage caps from Choice Home Warranty are some of the highest in the industry. The service fee from Choice is again affordable, and it is set at $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
Plan name | Price per month | Price per year | Service fee |
Basic Plan | $45 | $560 | $85 |
Total Plan | $53.33 | $660 | $85 |
To get a free quote from Choice Home Warranty, fill out this online form with your NC zip code or call 929-400-6164.
To learn more: Choice Home Warranty Review.
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 its free roof leak coverage, it makes it hard for many customers to say no to this cost-effective North Carolina home warranty. This is a benefit that can save more than $100 per year compared to other home warranty policies.
Pros | Cons |
Very fair pricing | Lower coverage caps on some appliances and systems |
Free roof leak coverage | |
High-quality workmanship | |
Close to ten years in the industry |
There are three Select Home Warranty plans to choose from. The Bronze Care, Gold Care, and Platinum Care Plan are these plans. The best overall option is the Platinum Care plan, it is just a few dollars more than Bronze Care or Gold Care, and it has double the coverage of both of these home warranty plans. The coverage caps from Select Home Warranty are typically between $500 and $2000. Most major appliances and systems have a high enough coverage cap to work for most North Carolina homeowners. The service fee from Select Home Warranty is very affordable at $60.
Here’s a detailed look at Select Home Warranty’s coverage:
Plan name | Price per month | Price per year | Service fee |
Gold Care | $52.00 | $579.99 | $60 |
Bronze Care | $52.00 | $579.99 | $60 |
Platinum Care | $58.00 | $649.99 | $60 |
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
For more information, read our Select Home Warranty Review.
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 over 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.
Pros | Cons |
More than 50 years in the industry | Higher pricing |
Customization of plans and pricing | |
Unique coverage options | |
High claim payout rates |
There are three home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. American Home Shield offers premium coverage for homeowners, and its policies stand out as some of the best on the market. Most coverage caps from AHS are $2500, but they can get higher as you upgrade the plan that you are purchasing. Service fees from American Home Shield are customizable and allow you to choose between $75, $100, and $125. The service fee price will impact the overall monthly costs associated with the plans.
Here’s a detailed look at American Home Shield’s coverage:
Plan name | Price per month | Price per year | Service fee |
ShieldSilver | $39.99 | $479.88 | $100 |
ShieldGold | $49.99 | $599.88 | $100 |
ShieldPlatinum | $64.99 | $779.88 | $100 |
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
For more information, read our American Home Shield Warranty Review.
The Home Service Club (HSC) offers the quickest North Carolina home warranty coverage. With The Home Service Club, your home warranty plan will start just ten days after paying your policy premium. Most home warranty companies have a 30-day waiting period before coverage begins. In addition, The Home Service Club does not require you to have an inspection of your home before the coverage can begin. With more than 13 years in the home warranty industry, we are impressed with what HSC has been able to do. With strong customer service and comprehensive plan coverage options, this is one of the best home warranty companies.
Pros | Cons |
Policy starts in ten days | No basic or cheap plan option |
Both plans offer comprehensive coverage | |
Strong customer service | |
More than 13 years in the industry |
The Home Service Club has two policies for North Carolina homeowners, the Standard Coverage plan and the Comprehensive Coverage plan. The Comprehensive Coverage plan is a little more expensive at $63.00 per month with a $95 service fee. The great thing about the Comprehensive Coverage plan is that it has a total of 33 covered items. With all of these items included in the plan, homeowners will have vast coverage for their homes. Service fees from HSC are priced anywhere from $65 to $125.
Here’s a detailed look at HSC’s coverage:
Plan name | Price per month | Price per year | Service fee |
Standard Plan | $50 | $600 | $95 |
Comprehensive Plan | $63 | $756 | $95 |
To get a free quote from The Home Service Club, fill out this online form.
For more information, read our The Home Service Club Review.
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 just over three years, the company is doing things right and offering customers the best options available on the market. With Liberty Home Guard, you get 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. In addition, Liberty Home Guard also has a long list of add-on coverages that homeowners can add to any plan.
Pros | Cons |
A rating with the BBB | Add on options can get expensive |
Fast customer service response times | |
Easy to submit claims | |
60-day workmanship guarantee |
There are three home warranty plans from Liberty Home Guard. These plans are Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard and Systems Guard are the lower-priced value policies, and Total Home Guard is the comprehensive plan. The coverage caps from Liberty Home Guard are around $1500 each, and the service fee is $75. The add-on coverage options are pervasive and will start at approximately $3.50 a month and continue as high as $29.99 per month. For North Carolina homeowners with unique features and systems in their homes, the Liberty Home Guard is the best home warranty policy.
Here’s a detailed look at Liberty’s coverage:
Plan name | Price per month | Price per year | Service fee |
Appliance Guard | $64.99 | $649.99 | $75 |
Systems Guard | $69.99 | $699.99 | $75 |
Total Home Guard | $74.99 | $749.99 | $75 |
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Read our Liberty Home Guard review for more information.
Find the best home warranty company in your NC city below:
We hope you now have a better idea of 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 essential. From the top five choices on our list, you are bound to find a perfect option for your North Carolina home.
Even though we have narrowed down the best North Carolina home warranty choices to the top five, you will still have to decide on one ultimately. 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.
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 home warranty can adequately protect your entire home. If you have a swimming pool, a second refrigerator, a wine cooler, or want pest control, optional add-ons are a great way to get all the coverage you need under one policy. Some providers include systems and appliances in their policies rather than offering them as an add-on, so be sure to reach through the coverage options before choosing a company thoroughly.
Some companies offer combo plans, while others will provide coverage of just systems or just appliances. A systems-only plan might be optimal if you just renovated your kitchen and didn’t need a warranty on your refrigerator, dishwasher, stove, etc. However, if you just replaced your HVAC system, perhaps an appliance-only plan would be great. Some companies, like American Home Shield, offer a plan for each and a combination plan. Find a company that provides you with the most critical coverage for the best possible value.
Using BBB ratings, time in the industry, and customer reviews, you can get a pretty good idea of what a home warranty company has to offer and how they are performing. However, online reviews should be taken with a grain of salt, as most people use online reviewing platforms primarily as a space to express grievances. Read through a couple of reviews on both ends of the spectrum to get a sense of how the company treats its current and previous customers.
Provider | Website | Best For… | Monthly Cost | Service Fee | Years in Business | BBB |
Choice Home Warranty | Choice | Best Overall | Basic Plan: $45/month
Total Plan: $53.33/month |
$85 | 13 | B- |
Select Home Warranty | Select | Most Cost-Effective | Bronze Care Plan: $57/month
Gold Care Plan: $57/month Platinum Care Plan: $63/month |
$75 | 9 | 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 |
The Home Service Club | HSC | Quickest Service | Standard Coverage: $50/month
Comprehensive Coverage: $63/month |
$75 | 13 | NA |
Liberty Home Guard | LHG | Most Trustworthy | Appliance Guard: $64.99/month
Systems Guard: $69.99/month Total Home Guard: $74.99/month |
$60 | 2 | A |
A home warranty is a protection plan that will help homeowners keep a budget intact while simultaneously keeping their homes working and functional. A home warranty plan will protect against normal wear and tear on home appliances and systems. When these issues come up, homeowners can file a claim with their home warranty provider and have a repair scheduled shortly after that. Most home warranty companies will start the coverage for your home warranty plan about thirty days after the first payment.
The claim submission process is relatively easy when working with a home warranty provider. You will use an online portal system or phone call to let the company know you have an issue. Once you have submitted this information, you can follow up with where the claim stands and when it should be processed. Most repairs are completed within a 24 to 48-hour window, and the homeowner is typically only responsible for the service fee. Most of the time, the service fee is between $60 and $150. Home warranty plans will cover replacements in certain situations where they are necessary.
As we have mentioned, North Carolina can experience a wide range of temperatures. Due to this fact, some issues 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 look at these issues and how your home warranty can help.
The cost of a home warranty plan is usually the deciding factor when choosing which coverage is the best for your home. A home warranty plan is typically priced between $45 and $65 a month. The average annual costs will be from $480 to $780 a year. When shopping for a home warranty, you must consider monthly coverage, service fees, and coverage caps. All home warranty providers have service fees that will range from $60 to $150, with the average being around $85. Some home systems and appliances will not be adequately covered with low coverage caps, which can be a concern for some homeowners.
North Carolina home warranties will cover both home systems and appliances and protect them from everyday wear. Most home warranty plans will have policies that cover just appliances, just systems, or a combination of both systems and appliances. The appliances typically covered under a home warranty plan are a refrigerator, dishwasher, microwave, oven, stovetop, and even a washing machine. The systems most North Carolina homeowners look for are electrical, plumbing, air conditioning, heating, and more. Some home warranty plans also have add-on coverages for a pool, central vacuum, lawn sprinklers, and sometimes even a locksmith.
Home warranty plans are not a pass for having to maintain and caring for your home. With a home warranty in place, you will still need to take care of preventative maintenance and carefully care for all home systems and appliances. Home warranties do not cover pre-existing conditions, cosmetic issues, and misuse of your home appliance or systems.
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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.
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.
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.
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.
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.
At House Method, transparency and trust are our most important values for the reader. 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.
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 ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
Choice Home Warranty Review (2022)
If you're on the fence about which home warranty provider to choose, keep reading and learn about Choice Home Warranty coverage and costs, current customer ratings and reviews, and our take on the company.
American Home Shield Review (2022)
Read reviews about American Home Shield to find out why we deem it the best home warranty option for customizable plans.
Select Home Warranty Review: What You Need to Know (2022)
Select Home Warranty reviews tout its comprehensive coverage at an affordable price. Learn more about Select's plans, low prices, and fast claims process here.
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