Best Home Warranty Companies in North Carolina for 2024

Buying a new home? Want to protect the appliances and systems you rely upon without paying for a dozen separate warranties? You may want to consider a home warranty plan.

A home warranty is different from your home insurance. It protects the appliances and systems you use daily, like your refrigerator, air conditioning and septic system. You would pay a monthly or annual fee for coverage that repairs or replaces these items.

Home warranties may not be worth it for everyone. If you’re considering one, read on to see our reviews of the top home warranty companies in North Carolina to help you find a plan that fits your needs.

Our Top Picks for the Best Home Warranty Companies in North Carolina

• Cinch Home Services: Best for customized plans
• Liberty Home Guard: Best for customer service
• Choice Home Warranty: Best for certified technicians
• AFC Home Club: Best for add-ons
• First American Home Warranty: Best for affordable plans
• Select Home Warranty: Best for quick service
• American Home Shield: Best for variety of coverage

Best Home Warranty Companies in North Carolina Reviews

Below you’ll find our picks for the best North Carolina home warranty companies. We based these picks on a few crucial factors, including quality of service, value and range of plans.

The prices listed in this review are approximate quotes for a single-family home (under 5,000 square feet). You’ll have to check out each company’s website to get accurate quotes for your home.

Why we chose it: Cinch Home Services offers flexibility. There are many coverage options to make your home warranty work for your budget. It provides multiple adaptable plans and a longer-than-typical 180-day workmanship guarantee.

Cinch has been in business for more than 40 years. Homeowners choose this company for its dependability and the range of plans available. One of our favorite features of this company is the 180-day workmanship guarantee. It comes with every plan and states that if an issue reoccurs within six months of service because of repair or installation error, Cinch will send a technician back to fix it at no extra charge.

Plans and Pricing

Cinch Home Services offers three basic plans: Appliances, Built-in Systems and Complete Home. Based on our quote for a single-family home in North Carolina, plans range between $39 and $67 per month. You can choose your own deductible of $100, $125 or $150 — with the lowest option resulting in the highest monthly cost.

Why we chose it: Liberty Home Guard is one of the most reputable home warranty companies in North Carolina that we reviewed. It has solid customer satisfaction ratings — higher than most home warranty companies.

Liberty Home Guard is one of the newest companies on this list. Despite only being in business for a few years, it has plenty of positive online reviews. Most of those reviews mention Liberty Home Guard’s customer service. Their website’s 24/7 live chat feature makes it easy to reach customer support when needed.

The downside is that Liberty has a relatively low coverage cap of $2,000 per item. That means your warranty won’t cover repairs and replacements beyond that cost, and you’ll have to pay out-of-pocket.

Liberty Home Guard has an A rating with the Better Business Bureau. All plans include a 60-day workmanship guarantee, so you won’t have to pay to have the same issue fixed twice.

Plans and Pricing

Liberty Home Guard offers three standard coverage plans: Appliance Guard, Systems Guard and Total Home Guard. For a typical single-family home, prices range between $50 and $60 per month plus tax. Liberty also offers many add-ons that increase the value, including sump pumps, water dispensers, pest control and high-end appliances like clothes dryers. Liberty Home Guard’s sample service fee indicates that its current service fee is set at $90 per policy use.

Why we chose it: A home warranty company only works as well as the technicians with which it partners. Choice Home Warranty technicians are pre-screened and certified to provide high-quality work.

With a low service fee and simple plan options, Choice Home Warranty makes a great choice for new homeowners or potential home buyers.

One thing that sets Choice apart from other home warranty companies in North Carolina involves the pre-screening of technicians. Every contractor working with Choice Home Warranty has to undergo a detailed screening process, which ensures they’re certified.

Choice offers 60-day workmanship and 90-day parts guarantees. If a part of your appliance needs replacement within 90 days of a technician working on it, you won’t have to pay again.

You can call the 24/7 support line any time with questions about your coverage or appliances. According to the reviews we looked at, most claims get resolved within 48 hours. However, the company’s BBB profile states it has a pending government action in the state of Arizona.

Plans and Pricing

Choice Home Warranty offers two plans: Basic and Total. For a single-family home in North Carolina, prices range around $47 to $55 per month — or $560 to $660 if you pay annually. For a more accurate quote specific to your area, fill out the form on Choice’s website.

Choice Home Warranty charges a service call fee of $100. Both plans have limited add-on options, but they should cover most of your basic home appliances and systems.

Why we chose it: America’s 1st Choice (AFC) Home Club rates at the top for North Carolina home warranty companies. AFC offers many base plans and add-on options. You can customize your plan and add an appliance or system, or coverage for electronics.

If you search “home warranty reviews North Carolina,”  you’ll find AFC Home Club in your results. This home warranty company has excellent reviews for its customizability.

Along with four different base plans, AFC Home Club offers add-on coverage for your septic system, pool and spa, standalone freezer and more.

Another great feature of this home warranty company is the prompt service. When an appliance or system breaks down, you don’t want to wait weeks to repair it. According to reviews, AFC Home Club sometimes sends a technician the same day you file a claim. However, a downside is that if you change your mind after you file the claim, you’ll have to pay a $75 cancellation fee.

Plans and Pricing

While most home warranty companies have two or three plans, AFC Home Club offers four: Silver, Gold, and Platinum. According to our quote for a single-family home, prices range from around $38 to $90 per month, depending on the service fee. Service call fees are $75, $100, and $125 and you get to select the fee that works best for you at the time of purchase. As of our review, AFC Home Club’s Diamond-tier coverage is not available in most parts of North Carolina.

The Silver and Systems plans may be a good option for new homeowners on a budget, while the Platinum plan covers everything from your HVAC and electrical system to your built-in microwave.

Why we chose it: Not everyone needs extensive coverage for high-end appliances. If you want to cover your basic needs, consider First American. It offers three basic, affordable plans with high coverage caps.

First American offers relatively low monthly costs and fairly high coverage caps for the price. This coverage may not have the most extensive options, but the Basic plan includes all your crucial appliances, like your stovetop, washer and dryer.

Plus, First American Home Warranty includes coverage for issues many other home warranties don’t cover, like concrete encasement and HVAC lifting equipment.

Plans and Pricing

First American keeps it simple with a Starter, Essential, and Premium plan. Our quotes for a single-family home start at $47 per month and could go up to $87 per month, depending on the service fee you choose. The available options for service call fees are $75, $100 or $125.

Unfortunately, the most basic plan doesn’t cover air conditioners, but you can add your central AC unit. Other add-on options include First Class Upgrade, Plumbing Plus, Appliance Plus, and coverage for code violations, modifications and other features.

Why we chose it: Another affordable option, Select Home Warranty has a solid reputation for fast response times and great customer service, according to customer feedback.

Select Home Warranty is a popular home warranty provider in North Carolina. It offers comprehensive coverage with fairly high caps for the price. All plans start under $50 per month with a basic service fee of $75 to $100, depending on the length of your contract.

The main reason we included Select Home Warranty on this list involves the technician’s response times. According to reviews, a technician will generally respond to your claim within 12 hours, which is super fast compared to other companies. Quick service changes the game when a crucial system in your home breaks down.

Plans and Pricing

Select Home Warranty offers three plans. The Bronze plan covers basic appliances, the Gold plan covers most major systems, and the Platinum plan offers full-home coverage. According to our quotes, prices start at $45 to $48 per month for a small home in North Carolina, with two months free with annual billing.

While these plans appear super affordable, some homeowners may need something more comprehensive.

Why we chose it: American Home Shield is one of the oldest and most established companies in the home warranty industry. It also offers a full range of flexible coverage options for homeowners on any budget.

A company’s longevity speaks volumes. American Home Shield has provided home warranty coverage in North Carolina and beyond for over 50 years. It offers a wide variety of coverage with multiple flexible plan options and add-ons. Homeowners can stick with AHS as their homes grow.

The base or systems plan covers major systems in your home, including ductwork, air conditioners and ceiling fans. More advanced plans include appliances, and you can add extras like your pool, hot tub and guesthouse.

Plans and Pricing

AHS offers three plans: ShieldSilver, ShieldGold and ShieldPlatinum. Prices range from $30 to $90 per month for a single-family home in North Carolina. The Silver plan covers systems in your home, while the Gold and Platinum plans include both systems and appliances.

American Home Shield allows you to select your service fee from $100 or $125. A higher service fee means a cheaper monthly premium.

Compare Our Best Home Warranty Companies in North Carolina

Other Companies We Considered

The seven companies above aren’t your only options if you want the best home warranty North Carolina offers. Below you’ll find a few other companies we considered that could be worth checking out.

Home Warranty of America

Home Warranty of America is a national home warranty company that offers affordable, comprehensive coverage. It has three plan options with a range of low-cost add-ons and a term of 13 months, which is one more month than most home warranties cover.

HWA has been providing homeowners nationwide with home warranties since 1996. It features two plans that are very thorough, in terms of what they cover. In case of a breakdown or need for home repairs, homeowners who choose HWA will be serviced by one of the company’s pre-screened professionals.

The company does not require home inspections, nor does it have an age limit on the appliances and systems it covers, which makes it a good option for people who did not purchase home warranties when they first bought their homes, but still wish to protect them.

Plans and Pricing

Home Warranty of America offers a Premier plan and a Premier Plus plan. According to our quotes for a single-family home in North Carolina, the cost for these plans ranges from about $37 to $52 per month. These plans cover appliances and systems such as cooktops, garbage disposals, clothes washers, heating systems, garage door openers and others.

HWA offers a wide variety of additional coverage, including pools and spas, sprinkler systems, septic systems, well pumps and more. Customers also have the option to add coverage for code violations and permit fees.

First Premier Home Warranty

First Premier Home Warranty is another option that offers a wide range of coverage.

First Premier Home Warranty has over 30 years of experience helping people protect their homes from unexpected breakdowns. The company was established in 1989 and has an ample background working with HVAC and appliances.

Plans and Pricing

First Premier Home Warranty has two plan options available. The company’s most basic plan is the Premier Plan, which starts at about $40 per month. Its Platinum Plan starts at about $48 per month and covers everything covered by the basic plan, but with added major appliances like clothes washers, refrigerators and dryers, as well as additional systems.

All service calls have a $75 deductible. The company also offers optional coverage for central vacuums, water softeners, ice makers and more.

The Home Service Club

The Home Service Club represents a relatively affordable home warranty provider with two plan options. It offers a wide range of add-ons.

Plans and Pricing

The Home Service Club provides clients with two home warranty plans. Its Standard plan covers main appliances and systems and starts at $51 per month. The Comprehensive plan starts at $62 per month and includes coverage for smoke detectors, telephone wiring, whirlpools, plumbing stoppages and more.

Additional covered items include jetted bathtubs, sewage ejector pumps, pool and spa equipment and others.

Home Warranty in North Carolina Guide

Before shopping for the best home warranty in North Carolina, let’s review the basics. Here’s what you need to know.

What is a home warranty?

Unlike homeowner’s insurance, a home warranty protects the systems and appliances in your home. Home warranty companies work with local contractors to provide service when you need it.

If you’re wondering about the difference between home warranty vs. home insurance, think of it this way: a home warranty fills in the gaps your home insurance doesn’t cover. With the right plan, you may not have to pay out of pocket for normal wear and tear to appliances or systems you use daily, such as your water heater, plumbing and electrical system.

Why do you need a home warranty?

Home warranties are just a way for homeowners to have peace of mind when it comes to their homes. Appliances and home systems are not built to last a lifetime, and they break down when you least expect it. A home warranty might save you the hassle of finding qualified contractors and haggling prices with them, as well as paying for high repair bills.

How does a home warranty work?

Home warranty companies charge a monthly or annual fee for your service contract. You’ll file a claim with your home warranty company on the phone or through the website when something goes wrong. Then they send a local technician to your home to fix it.

Most companies charge a basic service call fee to send a technician. Depending on your warranty contract, that fee can range from $50 to $150.

How to pick a home warranty

You should shop around and read local reviews before choosing a warranty. Try searching: “home warranty North Carolina” or “best home warranty company North Carolina” to see reviews from homeowners in your area.

Find a dependable, well-reviewed company, then consider the following recommendations:

Decide how much coverage you need

Some home warranty plans offer more extensive coverage than others. You should look at and compare what’s covered by different companies.

If you think an appliance or system in your home will need frequent repairs, you should look for a home warranty with higher coverage. You should also factor in the age and condition of your appliances. Coverage limits vary by company.

Consider the cost

Cheaper doesn’t always mean better. But if you have a tight budget, you don’t want to overpay for coverage. Look at what each plan includes and choose the home warranty that works best for your budget.

Read the fine print of the policy

It’s always important to become familiar with the details of the policy. Look over your contract’s fine print before signing, including exclusions and limitations, how soon you need to file a claim, how to cancel service and the coverage caps for each appliance or system.

Get a quote

Most home warranty companies make it easy to get a free quote. Just go to their website and fill in your information, address and home size. You’ll often be able to review your plan options and prices immediately.

How We Chose the Best Home Warranty Plans in North Carolina

This article covered seven of the best home warranty companies in North Carolina. Our methodology for ascertaining which made the cut consisted of reviewing and comparing important factors such as coverage, overall costs, services and the companies’ standing.

Policy coverage

Generally, the more extensive a plan’s coverage, the better. We looked for home warranty companies that offer a wide range of coverage for the cost. A good home warranty contract should have transparency — meaning you should know exactly what your home warranty plan covers.

Overall price and additional costs

Most home warranty companies offer a few base plans plus optional add-on coverage. We looked at the starting prices for coverage and considered additional costs, like service fees and cancellation fees.

While some of the companies reviewed on this list are pricier than others, they all offer budget-friendly options and a fair value for the quality of service.

Company dependability and reputation

The easiest way to tell how a company treats its customers is by reading reviews. Established home warranty companies in North Carolina have plenty of honest reviews from long-term customers. We also considered each company’s BBB rating and the quality of their customer service, according to reviews.

Services offered and availability

Additional services offered by home warranty companies include roof leak repair, debris removal, appliance tune-ups, and upgrades. Comprehensive coverage can help you prepare for emergencies and stay ahead of damage to your appliances and systems.

Technician availability is another important factor. A great home warranty company will have plenty of trained technicians available in your area, so you can access prompt, helpful service when needed.

Additionally, some companies offer perks like discounts and coupons for local services. Some also have sign-up bonuses.

Summary of the Best Home Warranties in North Carolina of 2024

Whether you’re planning on buying a home, remodeling or putting your property on the rental market, a great home warranty may save you from the upfront cost of repairs. But keep in mind that it’s a monthly cost that adds up over time. It may not pay off if you never have to repair or replace a covered appliance or system.

The seven home warranty companies reviewed in this list offer extensive coverage and high-quality service. Which is the best? It all depends on what you’re looking for, so consider your budget, home size, systems and location.

Now that you’ve looked at some of the best home warranty companies in North Carolina, get a few quotes and find the right plan for your home.