North American Home Warranty Review

By: House Method

Since 2004, North American Home Warranty has been meeting the needs of homeowners all across the nation. It has three home warranty plans—Stars, Stripes, and Banners—all of which can be customized to meet your needs. Customers also have the chance to build their own plans and add optional coverage to existing plans.

We, at House Method, consolidated North American Home Warranty reviews, answers to common questions, and ratings from other review sites so you can save time browsing the web and start protecting your home.

Our reviews save you time, save you money, and they are always free. House Method is reader-supported. Affiliate disclosure.

Data and ratings accurate as of January 2019

Cheapest home warranty

North American Home Warranty offers home warranty plans starting as low as $37.50 per month or $299 per year. You can opt into its cheapest home warranty plan and add on coverage for optional items, like a sump pump or pool. In addition to the lowest premiums we’ve seen across all home warranty providers we’ve reviewed, you’ll also save on service fees. North American’s service fees start at $35, which is $40 less than the industry standard of $75 per call. These prices can’t be beat, which is why House Method awards North American  Home Warranty as the best home warranty for your budget.

No minimum contract length
Free estimate
Nationwide coverage

North American Home Warranty cost

North American Home Warranty offers monthly and annual plans, with the monthly plans starting at $37.50 per month and the annual plans starting at $299.99 per yearFree quotes are available on their plan coverage page.

Service fee

Warranty holders will pay a $35–75 service fee when service is requested. Service work is guaranteed on labor and parts for 30 days—at no additional cost to you.

North American Home Warranty coverage

(Appliance plan)
(Systems plan)
(Combination plan)
Optional add-ons
Refrigerator Electrical system Electrical Light fixtures
Stovetop HVAC HVAC Central vacuum
Oven/range Heating system Heating system Additional central heating system
Built-in microwave Central air conditioner Central air conditioner Additional central air conditioner
Garbage disposal Water heater Water heater Additional water heater
Dishwasher Plumbing system Plumbing system Plumbing fixtures
Clothes washer/dryer Plumbing stoppages Plumbing stoppages Water softener
Ceiling fan Refrigerator Second refrigerator
Stovetop Wine refrigerator
Oven/range Standalone freezer
Built-in microwave Well pump
Garbage disposal Sump pump
Dishwasher Septic system
Clothes washer/dryer Lawn sprinkler system
Ceiling fan Whole house humidifier
 Garage door opener Limited roof leak
Saltwater pool/spa

Coverage length

North American Home Warranty has excellent coverage length. There is no minimum contract for monthly coverage and annual plans can be canceled at any time for a prorated refund of the remaining coverage duration.

Coverage exclusions

Home systems and appliances must be in good working order at the start of coverage to be covered. For more details on exclusions and limitations, we recommend carefully reading North American’s sample contract online before you purchase a home warranty plan.

North American Home Warranty claims

With North American Home Warranty coverage, customers are able to file an unlimited number of claims as long as the claims are considered covered repairs per individual policy specifications.

To file a claim, simply call the North American Home Warranty hotline—available 24/7—or file a claim through their online claim center. North American Home Warranty will send a specialized technician to your home to assess the issue and make any necessary repairs.

Summary of benefits

Starting cost per year $299
National availability All US states
Service fees $35–$75
Contract length No minimum
Time in business 14 years
BBB rating N/A
Review last updated: January 3, 2019

More about North American Home Warranty

Years in business

North American has been in business for 14 years. This is an average length of time in the warranty industry. Compare this to Advanced Home Warranty, which started in 2014 and only has four years of experience while American Home Shield basically founded the industry 47 years ago.

North American Home Warranty ratings

North American Home Warranty isn’t Better Business Bureau (BBB) accredited, so it does not yet have a BBB rating. Note: companies pay for accreditation.

House Method gives North American Home Warranty 4 out of 5 stars. We love its prices and custom coverage for items that aren’t usually covered—like roof leaks and sprinkler systems—but North American is not BBB accredited and we’re one of the first review sites to evaluate the home warranty company.

North American Home Warranty reviews

Customer reviews for North American Home Warranty tout its high-quality customer service and quick response time. Here are just a few North American Home Warranty reviews.

One customer review of North American Home Warranty from Yelp reads:

“Great Home Warranty!! Even better customer service! Any time I contact North American Home Warranty, all my needs are met. Thank you!”—Jorge D. from Brooklyn, NY

Another from Best Company reads:

“The dispatcher on the phone was very helpful and was able to locate a service vendor for my repair within just 4 hours. Shortly thereafter the technician was at my home and working on our washer. The technician they sent was fantastic and very friendly. He repaired my washer in a matter of minutes and was very accommodating!”—Suzanne Vargas from Oklahoma City, OK

Ready to sign up?

Compare home warranties

Compare North American Home Warranty to the competition.

Company Best home warranty for Plan options Service fees Additional perks Risks to consider
North American Cheapest home warranty 4 + add-ons  $35–$75 Lower service fees and premiums, and no minimum contract length for monthly coverage Coverage is limited during the first 3 months
American Home Shield Appliance coverage 4 + add-ons $75–$125 Up to $3,000 limit on appliances, cost to dispose of old appliances covered, discounts on appliances and plans for multiple properties, $25 referral reward Higher service fees and longer wait times than most providers
Advanced Home Warranty Nationwide coverage 2 + add-ons $60 First month free available on a promotional basis  Young company—not BBB accredited

Frequently asked questions

Which is the best home warranty company?

North American Home Warranty is in House Method’s top seven best home warranty companies. With premiums as low as $37.50 per month and $35 service fees—$40 cheaper than the industry standard—North American has the cheapest home warranty we could find. Some other features include optional add-ons, free estimates, good customer service, and national availability.

Can you buy a home warranty after closing?

Yes, you can buy a home warranty after closing on a house. A home warranty is an optional service agreement that homeowners, home sellers, rental property owners, and real estate agents can purchase through a home warranty provider of their choice at any time. Some sellers will buy a home warranty to cover repairs while the house is listed. They can transfer the home warranty to buyers, offering them coverage for a year, so ask your realtor if you’re covered before you purchase a plan.

What does a home warranty cover when buying a house?

Coverage varies depending on where you live, which company you choose, and the level of coverage you select. Some common coverage includes but is not limited to an electrical system, plumbing system, HVAC, refrigerator, and a clothes washer and dryer.

Every home warranty plan has different exclusions and limits, so request a sample contract before you sign. Remember, a home warranty will only cover what is explicitly written into the contract. The repair and replacement of select home appliances and systems are only covered if the item breaks from normal wear and tear. Some home warranty companies may require a receipt of service to prove the appliance or system was properly maintained before it failed or malfunctioned.

Are home warranties worth the cost?

Our short answer is yes, House Method believes home warranties are worth the cost. A home warranty guards against costly repairs and replacements of major home systems and appliances. The amount of money you can save in the long run is substantial since you’ll often only pay a relatively small service fee. Most homeowners will request service two to three times a year. If you’re on the fence, we recommend North American Home Warranty. Its premiums and service fees can’t be beat.

How long do home warranties last?

Home warranty plans usually last a year before you’ll have to renew them. Some home warranty companies allow you to lock a price in for three to five years at a time. You also have the option to pay monthly.

Another reason we recommend North American Home Warranty is that it doesn’t limit coverage length. There is no minimum contract length for monthly plans and annual plans can be canceled at any time. If you cancel before your plan is up, you’ll receive a prorated refund for the remaining duration of your home warranty coverage.

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