A North Carolina home warranty will cover the cost of repairs and replacements on home systems and appliances like your air conditioning, heating system, and refrigerator when they fail due to regular use. This can be helpful to a North Carolina homeowner as the state is prone to extremely hot summers and cold winters, and it’s imperative that systems and appliances remain in good working condition year-round.
Because the NC home warranty market is saturated with service provider options, the This Old House Reviews Team compiled a list of the best home warranty companies in your state to help you narrow down your home protection choices.
North Carolina’s Top 5 Home Warranty Companies
We rated home warranty companies in North Carolina based on levels of coverage, pricing, industry experience, customer service, and other essential factors we found in our research. Discover the top rated home warranty companies in N.C. below:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- Liberty Home Guard: Most Responsive
- Select Home Warranty: Best Value
- First American Home Warranty: Best Appliance Coverage
All cost information in this article is based on quotes we requested for a single-family home in Charlotte, N.C.
American Home Shield
American Home Shield (AHS) has been in business since 1971 and serves more than 1.8 million customers in 49 states. From 2017 to 2022, the home warranty company used its network of 17,000 local technicians to make $2 billion worth of repairs.
Pros and Cons of American Home Shield
✔ Generous coverage caps
✔ Coverage on items with undetectable pre-existing conditions
✔ Coverage on items with damage due to rust and corrosion
✘ No plan to cover appliances only
✘ Only five available add-ons
American Home Shield Plans & Pricing
AHS has three coverage plans: ShieldSilver, ShieldGold, and ShieldPlatinum plans. The ShieldPlatinum plan, which offers roof-leak coverage, is among the most comprehensive in the industry.
American Home Shield plans cost between $40 and $58 per month, according to our quote. AHS allows you to choose your own service fee of $75, $100, or $125. The higher the service fee you choose, the cheaper your monthly premium is.
Here’s an overview of AHS plan pricing if you choose a $75 service fee:
- ShieldSilver: $54.99 per month
- ShieldGold: $64.99 per month
- ShieldPlatinum: $79.99 per month
Learn more: American Home Shield Review
Choice Home Warranty
Choice Home Warranty (CHW) is a great option for homeowners who want to bundle their systems and appliances into a combo plan. CHW earns its spot on our list for its Basic Plan, which covers 14 items, including your ductwork, ceiling and exhaust fans, dishwasher, and heating systems. Both the Basic Plan and Total Plan come with a $3,000 coverage cap per item.
Choice Home Warranty is currently involved in a class-action lawsuit in Arizona. The lawsuit alleges the company used deceptive marketing practices and later denied claims that customers thought should be covered. The lawsuit remains unresolved, so the company can’t comment on the legal matter, but they did tell us that more than 90% of 1.1 million claims filed had been approved in 2021. Choice Home Warranty maintains a positive reputation on review sites such as Trustpilot, so we still recommend this company to North Carolina homeowners. We suggest you read the service contract to confirm you understand the terms and exclusions of your policy.
Pros and Cons of Choice Home Warranty
✔ Guaranteed 90-day repair
✔ Guaranteed response time within 48 hours of receiving a claim
✔ One month free when signing up for a plan
✘ Ongoing legal action in Arizona
✘ No coverage of clothes washers, clothes dryers, air conditioners, or refrigerators in Basic Plan
Choice Home Warranty Plans & Pricing
Choice Home Warranty offers two coverage plans: the Basic Plan and the Total Plan. The Basic Plan protects 14 home systems and appliances, while the Total Plan protects everything under the Basic Plan plus coverage for an air conditioner, clothes washer, dryer, and refrigerator.
Here are Choice Home Warranty monthly cost estimates:
- Basic Plan: $41.69 per month
- Total Plan: $50.00 per month
Customers will have to pay an $85 service call fee to repair a covered system or appliance.
For a free quote, fill out Choice Home Warranty’s quote form
Learn more: Choice Home Warranty Review
Liberty Home Guard
Founded in 2017, Liberty Home Guard is a newer home warranty company, but it competes well in responsiveness with companies that have decades of experience. It offers an extensive number of add-ons, a claim response time of 24 hours, and a built-in live chat feature.
Pros and Cons of Liberty Home Guard
✔ Claim response within 24 hours
✔ 30 add-on coverage options
✔ Live chat feature
✘ Higher-than-average monthly prices
✘ Service call fee not shown during quote process
Liberty Home Guard Plans & Pricing
Liberty Home Guard offers three packages, including systems-exclusive and appliance-exclusive plan. Appliance Guard covers nine appliances, including your built-in microwave oven, ceiling fans, and dishwasher while Systems Guard covers six built-in systems. The Total Guard plan combines each basic plan’s coverage into one comprehensive plan.
Liberty Home Guard assigns a service call fee between $65 and $125 to each account. This fee is selected based on your plan, add-ons, and your home’s location.
Here’s a breakdown of Liberty Home Guard’s monthly plan costs:
- Appliance Guard: $64.99 per month
- Systems Guard: $69.99 per month
- Total Home Guard: $74.99 per month
To request a free, and customized quote from Liberty Home Guard, call 866-452-9107 or fill out Liberty Home Guard’s easy form.
Learn more: Liberty Home Guard Review
Select Home Warranty
Select Home Warranty is a budget-friendly home warranty provider for customers who want affordable rates and roof coverage. All Select’s plans are less than $50 per month; plus, the company responds to claims within 12 business hours, which is one of the fastest claim responses in the industry.
Pros and Cons of Select Home Warranty
✔ Free roof coverage up to $400
✔ Discounts for customers who enroll in multi-year plans
✔ Claim response within 12 business hours
✘ $75 cancellation fee
✘ Low coverage caps
Select Home Warranty Plans & Pricing
Select Home Warranty provide coverage for home appliances, major systems, and a combination of the two, respectively. Platinum Care also includes coverage for garage door openers and plumbing stoppages.
Along with a $75 service fee, here’s a look at what you can expect to pay for a Select Home Warranty plan:
- Gold Care: $52.00 per month
- Bronze Care: $52.00 per month
- Platinum Care: $58.00 per month
For a free quote, fill out Select Home Warranty’s online quote form
Learn more: Select Home Warranty Review
First American Home Warranty
First American Home Warranty has some of the most affordable appliance coverage in the industry. The Basic Plan, which covers eight major appliances, is only $36 per month and has a coverage cap of $3,500 per item. If you choose the Premier Plan, the coverage cap still applies to appliances, but built-in systems don’t have a pre-set coverage cap.
Pros and Cons of First American Home Warranty
✔ Affordable plans at less than $50 per month
✔ No coverage cap for ductwork, air conditioning, or heating systems
✔ First Class Upgrade coverage of additional components and costs, such as HVAC lifting equipment
✘ Air conditioner coverage is only available as an add-on
✘ Workmanship guarantee is only 30 days
First American Home Warranty Plans & Pricing
First American Home Warranty offers two plan options: the Basic Plan and the Premier Plan. The Basic Plan covers home appliances, such as your dishwasher, built-in microwave, and cooktop. The Premier Plan covers all the same items as the Basic Plan, plus eight home systems, including your central vacuum, electrical system, and plumbing system.
First American charges an $85 service call fee when you file a claim. Here’s a look at what you can expect to pay per month for First American home warranty coverage:
- Basic Plan: $36.00 per month
- Premier Plan: $46.50 per month
For a personalized quote, fill out First American Home Warranty’s online form or call 800-891-9778.
Learn more: First American Home Warranty Review
Before deciding on a plan for your home, we recommend requesting quotes from several companies, as pricing for your specific region and home may be different than the estimates included in this article.
American Home Shield and First American Home Warranty are great options for homeowners who don’t want to feel limited by coverage caps on built-in systems. Both these companies also offer generous coverage caps on appliances. Choice Home Warranty offers a similarly high coverage cap of $3,000 per covered item; plus, it streamlines your decision process by exclusively offering combination coverage. Liberty Home Guard is worth considering if you have a long list of additional coverage requirements and appreciate the benefit of live-chat customer service support.
Frequently Asked Questions About NC Home Warranties
Are home warranties worth the cost?
Yes, home warranties are worth the cost. Repairing or replacing a broken system or appliance can cost hundreds, even thousands, of dollars, and you may not be able to afford that if you haven’t budgeted appropriately. Not only will a home warranty company cover most of the repair and replacement costs associated with breakdown due to normal wear and tear, but it will prevent you from having to find a trusted repair technician all on your own. The least home warranty protection does is give you peace of mind that you can afford a repair if one arises.
How long do home warranties typically last?
Home warranties typically expire one year from the original purchase date, but many home warranty providers will auto-renew your policy at the end of the term. At the end of your contract term, you can decide whether or not to renew your protection. Select Home Warranty and Liberty Home Guard offer customers the option to purchase several years of protection at one time for a discounted rate.
What are the benefits of a home warranty?
The benefits of a home warranty include peace of mind and protection from expensive out-of-pocket home repair and replacement costs when your most-used built-in systems and home appliances break down. With a home warranty, you won’t have to spend time diligently researching home service providers, because home warranty companies have already vetted and verified them for you.
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Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:
- Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
- Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
- Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
- Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
- State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
- Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
- Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.
In summary, the This Old House Review Team reviewed 45 companies to select this list of the five best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.