Best Home Warranty Companies in North Carolina (2022)

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.

North Carolina’s 5 Best Home Warranties

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. 

1. Choice Home Warranty (Best Overall)
2. Select Home Warranty (Most Cost-Effective Plans)
3. American Home Shield (Best Customizable Plans)
4. The Home Service Club (Quickest Service)
5. Liberty Home Guard (Most Trustworthy)

1. Choice Home Warranty 

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. 

Plans, Cost & Coverage

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: 

• Basic Plan ($42 per month): The most straightforward plan from Choice Home Warranty is the Basic Plan. This plan covers 13 items, including a plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. For those new to home warranty plans, the Basic Plan is an excellent option to consider. 
• Total Plan ($53.33 per month): The Total Plan is a comprehensive plan from Choice Home Warranty. This is the better plan choice for North Carolina homeowners. The plan covers all 13 items in the Basic Plan with four additional items. North Carolina homeowners with air conditioning and laundry room appliances, and a refrigerator will want to ensure that the Total Plan is the option they choose.  
• Add On Options: Choice offers nine optional coverages. These include roof leak, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. These add-on options can help enhance the overall coverage of your home warranty plan, but they sometimes have different coverage caps associated with them.  

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.

2. Select Home Warranty 

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. 

Plans, Cost & Coverage

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: 

• Bronze Care ($52 per month): The Bronze Care plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. This is an affordable starter plan for many North Carolina homeowners. 
• Gold Care ($52 per month): The Gold Care plan covers six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Considering air conditioning, electrical, and water heaters are all included, the possibility of having a few repairs justify the pricing of this plan is high. 
• Platinum Care ($57 per month): The Platinum Care plan is just a few dollars more per month than the Bronze Care or Gold Care, but it includes double the coverage. Having this much coverage for a fair price is an impressive feature of the Platinum Care Plan. This is the most popular option for North Carolina homeowners. 
• Add-on Options: There are several optional add-ons, including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. Roof leak coverage is free of charge for all North Carolina home warranty customers; this is one of the things that help the Select Home Warranty policies stand out.

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.

3. American Home Shield 

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. 

Plans, Cost & Coverage

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: 

• ShieldSilver™ ($39.99 per month): ShieldSilver is the most basic option from American Home Shield. This plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. Homeowners new to American Home Shield often start with this plan to see if it is the right match for their home. 
• ShieldGold™ ($49.99 per month): The ShieldGold plan is a comprehensive option. This plan covers 23 home systems and appliances, including many offered on the ShieldSilver plan, plus a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. Having these extra appliances can help to ensure that all home needs are covered. 
• ShieldPlatinum™ ($64.99  per month): ShieldPlatinum has 27 systems and appliances. This is one of the most premium home warranty policies in the industry. In addition to higher coverage caps, other benefits are associated with ShieldPlatinum. ShieldPlatinum may be one of the most expensive home warranty plans on the market, but the coverage makes it a savvy investment. 
• Add-On Options: There are several additional coverages offered by AHS, including a septic system, pool and spa, PC, TV, and well pump coverage. North Carolina homeowners with a pool will appreciate this coverage from American Home Shield. 

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.

4. The Home Service Club

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. 

Plans, Cost & Coverage

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: 

• Standard Coverage ($50 per month): With the Standard Coverage plan, there are 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  This is a solid basic plan with a wide range of systems and appliances. 
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage plan has 15 more covered items than the Standard Coverage plan. These extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, etc. Take a look at the coverages for the Comprehensive Plan and make sure that your home will need all of this coverage. 
• Add-On Options: The Home Service Club has 12 additional or add-on coverages. The add-ons include a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, etc. 

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. 

5.Liberty Home Guard 

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. 

Plans, Cost & Coverage

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: 

• Appliance Guard ($64.99 per month): Appliance Guard will cover 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. 
• Systems Guard ($69.99 per month): There are nine systems included in Systems Guard. The electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater are included. This policy is expensive, but when you look at the systems covered, you will see that those are also quite expensive to repair and replace.  
• Total Home Guard ($74.99 per month): Total Home Guard covers 20 home systems and appliances. Comparing the Total Home Guard to the Systems Guard, you will see why this is the best value that Liberty Home Guard offers. It’s just a few dollars more per month, and your entire home will be covered. 
• Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons. Some add-on coverages are unique, including gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and a wine refrigerator. Liberty Home Guard offers more than 20 optional coverages. The only issue with these extra coverages is that they will increase the overall price of your policy. 

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.

Home Warranties in North Carolina Cities

Find the best home warranty company in your NC city below:

• Charlotte, NC
• Raleigh, NC 
• Greensboro, NC
• Durham, NC
• Winston-Salem, NC
• Chapel Hill, NC

Our Conclusion

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.

How to Find the Best Home Warranty in North Carolina

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. 

Consider Adding 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 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.

Look at all Plan Choices

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.  

Read About the Company’s Reputation

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.

Compare the Best Home Warranty Companies in North Carolina

What is a Home Warranty and How Does it work?

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. 

Top Home Maintenance Problems in North Carolina

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. 

• Electrical System Outages: To have your home’s electrical system covered, you will need systems or a combo plan in place. Electrical systems will take care of everything from the electrical panel in your home. The policy will cover the cost of rewiring and replacing circuits and fuses. 
• HVAC Breakdown: North Carolina summers are hot. You will have to experience only one night without air conditioning before realizing 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 home’s attic and 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. 

How Much Does a Home Warranty Cost? 

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. 

What Does a North Carolina Home Warranty Cover?

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. 

House Method Home Warranty Ranking Methodology

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:

• 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 and service fees compared 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 judged 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 set them apart from the competition.