- 4 plans plus optional add-ons
- No cap on HVAC coverage
- Covers improperly installed or maintained items
- B+ Better Business Bureau rating
North Carolina residents tend to have a higher rate of homeownership than the rest of the nation, reflective of the value North Carolinians place on finding a place to call their own. But right alongside the joy of a cozy neighborhood and wraparound southern porch are annual home maintenance costs. A study found that 31% of new homeowners have nothing set aside to cover home maintenance costs, yet 44% run into an unexpected repair within one year of purchase.
In a state where homes are such a treasure, a home warranty offers much appeal. The most obvious advantage of a home warranty is that it covers breakdowns in major systems and appliances, and a warranty usually more than pays for itself if something expensive goes haywire.
If you’re looking for a home warranty in North Carolina, keep reading to learn about the best home warranty companies in the state, common home maintenance issues faced by North Carolinians, and important home warranty buying tips.
Home to the lively college towns of Boone, Chapel Hill, Raleigh, Durham, and Greenville, the Blue Ridge Parkway, Research Triangle Park, and a beautiful coastline, North Carolina has a natural beauty with geography that spans from sandy beaches to rolling mountains and bustling cities.
Commonly called the “Tar Heel State,” North Carolina was once known for producing pitch, rosen, turpentine, and tar. It’s also been called the Old North State. North Carolina also lays claim to Kitty Hawk, the remote location that provided the Wright brothers with perfect testing conditions for the first airplane prototypes. Perhaps even more interesting: North Carolina is home to America’s largest mansion, the Biltmore Estate, located in Asheville, NC.
North Carolina is situated in the southeast region of the United States. Bordered by Virginia to the north, South Carolina to the south, and Tennessee to the west, it’s the 28th largest state in the U.S. The state bird is the cardinal and the state flower is the dogwood. The capital of North Carolina is Raleigh, but the largest city by population is Charlotte.
The average home cost in Wake County is 378,500, but the median home value throughout the state is $189,900, up an average of 7.2% from 2018 to 2019. With the market forecasted to continue to stay hot, there’s no better time to purchase a home warranty in the state than right now.
Depending on where you live in North Carolina, your home may face hurricanes, snow storms, ice storms, hail, thunderstorms, and year-round humidity. The seasonal conditions and occasional natural disasters can place a heavy load on your home.
When considering the best home warranty in North Carolina, it’s important to take inventory of the most common appliance and system breakdowns in the state. As you start to shop around, you’ll want to make sure the home warranty providers cover major systems and appliances and have generous caps for the following items:
Whether you’re looking for a home warranty for your Nags Head vacation rental or your ranch in Raleigh, there’s a home warranty company that has a plan that will fit your budget and preferences. Home warranties are available for single-family homes, duplexes, mobile homes, and other home types.
While nearly any home in North Carolina is eligible for home warranty coverage, keep in mind that not every system and appliance may be eligible for coverage. For example, heat delivery systems that use asbestos, grills, and registers are often not covered. Be sure to thoroughly review what is and isn’t covered by each provider’s plans before purchasing a home warranty.
The coverage you’ll receive through your home warranty plan will depend entirely on the provider you choose, the plan you select, and whether you invest in add-ons from the home warranty company.
In general, home warranties in North Carolina can be broken down into a few types: partial coverage, comprehensive coverage, plans that cover only appliances, plans that cover only systems, plans that cover appliances and systems, and build-your-own plans that cover the systems and appliances you select.
Here’s an overview of what each North Carolina home warranty plan from our list of recommended providers covers:
MORE: Looking for customizable coverage? Compare Select Home Warranty plans.
The cost of a home warranty will vary depending on the provider and type of plan you choose. Other factors, such as your zip code and home’s age, may also impact price. In general, a home warranty can cost roughly $300 a year for basic coverage and $600 for more comprehensive coverage. However, keep in mind that this does not include other fees associated with your home warranty plan.
A service fee is standard in this industry and will be charged whenever a technician visits your home for a repair or replacement. Services fees are non-refundable and range from $75–$125. Coverage limits are a cost consideration as well.
These details can be found in your home warranty contract terms and indicate the monetary coverage the home warranty company is willing to provide for each appliance if it does break down or require replacement. Any repairs and replacements exceeding these limits will need to be paid out of pocket by you.
We recommend reviewing the fine print of each home warranty plan you consider for service fees, exclusions, and limits, especially for the systems and appliances you’ve had trouble with in the past.
A home warranty in North Carolina takes much of the burden off of homeowners’ shoulders if an item breaks down, but you’ll still need to take a few low-effort actions to ensure your home is taken care of. Let’s use the example of a dysfunctioning HVAC system in a Raleigh home. Here’s how a home warranty would work in this case:
We hope this step-by-step helps you visualize how a home warranty would work in North Carolina. With an air conditioner in particular, a home warranty can save you nearly $1,500 per repair, but the best part is that you’ll return to the luxury of a cool home in the heat of summer as soon as possible.
The phrase “home is where the heart is” rings true in the south, where large families, frequent hosting, and family-centric lifestyles are common. As such, your home’s systems get a lot of use, from kitchen essentials like the refrigerator and dishwasher to the appliances that keep your family’s clothes clean throughout the year.
Not to mention, North Carolina’s temperamental weather poses a greater threat to home systems and appliances. Freezing cold can impact appliances that require water to work, as can humidity and extreme heat.
With the cost of home buying already high across the state relative to the rest of the nation, a home warranty can save first-time home buyers and experienced home buyers from the need to set aside thousands of dollars to account for any unexpected expensive repairs in the home’s first year and beyond.
Prior to investing in a home warranty, do your research to make sure you’re choosing the right home warranty for you and your family. Here’s what we recommend taking into consideration prior to purchasing a home warranty plan in North Carolina:
Of our recommended providers, 2-10 Home Warranty is the most trusted among customers, with an A rating from the Better Business Bureau and positive reviews across many review websites. However, this isn’t to say that our other recommended providers don’t have positive reviews from North Carolinians.
Of her experience with First American Home Warranty, Heather of Raleigh, N.C., wrote,
“When I bought my house, I was provided a home warranty with First American and I just renewed it. That would have been going on two years in December. I like the reliability of First American. I call them when I have a claim and they are always really helpful. I actually called them at 10:00 at night. They answered the phone and helped me. That was pretty huge on a Sunday.”
Adrienne of Oxford, N.C. wrote about her positive experience with Choice Home Warranty on October 14, 2019:
“Very informed CSR. Helped us quickly through the purchase process and explained in detail about the warranty coverage. The CSR also explained about the differences in coverage and pricing which made it a lot easier for us to decide which warranty would be best for us.”
We recommend browsing trusted review websites like BBB.org and TrustPilot.com for more details from customers about their experience with our other recommended North Carolina home warranty providers.
Repairing or replacing a major home appliance or system without a warranty can wreak havoc on your budget for the month or, worse, the year. If you need to be conservative financially, especially after a large investment in your home, a home warranty can save you money.
A manufacturer’s warranty will cover just one system or appliance for a stated period of time. However, this coverage is often non-transferable, so if you’re not the original homeowner, you may not be eligible for coverage.
The exclusions and limits should be clearly defined in your home warranty contract. An important question to ask the provider is whether they’ll cover the cost of the item if it needs replacing. You’ll also want to ask if the coverage cap covers the total cost of a replacement plus installation.
No, you shouldn’t be charged if the system or appliance you just got repaired breaks down. Good home warranty companies should address this fix for free.
No, they do not. A home warranty protects your home’s systems and appliances from breakdowns throughout the year, regardless of the environmental factors. However, it’s important to keep in mind that some providers may have limitations and restrictions written in the fine print of their contracts that bar them from providing coverage, such as improper maintenance or serious water damage.
Charlotte and Raleigh are among America’s fastest growing cities, and other cities in North Carolina are following suit. With home prices likely to rise and humidity, hurricanes, and other factors that impact your home predicted to remain prevalent or worsen, a home warranty is a wise choice.
If you’ve recently purchased a home in North Carolina, we recommend looking into a home warranty plan with one of our recommended providers: Choice Home Warranty, 2-10 Home Warranty, First American Home Shield, America’s 1st Choice Home Club, and Select Home Warranty.
Read reviews about American Home Shield to find out why it offers the best appliance coverage. Compare American Home Shield offers to other home warranty plans.
The Home Service Club reviews reveal it's the most responsive home warranty company. Learn about its fast coverage, customer service, and costs with our guide.
Natalie is a writer based in Raleigh, North Carolina. She enjoys all things creative, from design and decorating to cooking, photography, and gardening, and writes for a variety of digital publications, including her lifestyle blog.