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Best Home Warranty Companies in North Carolina (2024)

Liberty Home Guard and American Home Shield offer the best HVAC protection, a crucial system for North Carolina homes. Our guide includes our complete list of top picks and advice on choosing the right coverage for your home.

Author Icon Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 03/26/2024

Functioning home systems are essential for North Carolina residents who experience hot Outer Banks summers and cold Blue Ridge Mountain winters. If your air conditioner or heating system breaks down, your home may be vulnerable to harsh conditions and emergency repair bills. A home warranty protects you against home emergencies, helping to minimize repair and replacement costs. 

We compiled a list of the country’s best home warranty companies and chose our preferred providers for North Carolina residents. Our top picks include Liberty Home Guard, which provides specialized HVAC protection, and American Home Shield, which offers HVAC coverage in all plans. Keep reading to learn our full list of the best home warranty companies for your North Carolina home.

Key Takeaways

After researching 57 home warranty providers, we selected Liberty Home Guard and American Home Shield as the best home warranty companies in North Carolina.
A North Carolina home warranty can cost $40–$75 per month, depending on your selected provider, coverage plan, and location. 
According to our recent survey, 44.6% of respondents stated that selecting the right plan coverage was more crucial than price or brand reputation.
Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.


Summary of Top Home Warranty Companies in North Carolina:

Liberty Home Guard offers roof-leak protection and unique coverage options, such as multiple AC units. American Home Shield provides comprehensive coverage for most major systems and appliances, plus roof-leak coverage add-ons. We’ve listed our top choices for home warranty companies in North Carolina below:

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage 
First American Home Warranty: Best Appliance Coverage

Comparing the Best Home Warranty Companies in North Carolina

Our table below compares key factors of the top North Carolina home warranty companies.

Star Rating Monthly Cost in NC Service Fee Response Time Link
Liberty Home Guard Liberty Home Guard
$49–$59 $65–$125 Up to 48 hours VISIT SITE
American Home Shield American Home Shield
$49–$109 $100–$125 Up to 48 hours VISIT SITE
Select Home Warranty Select Home Warranty
$44–$47 $60–$75 48-84 hours VISIT SITE
First American Home Warranty First American Home Warranty
$47–$87 $75–$125 4-48 hours VISIT SITE
AFC Home Warranty AFC Home Warranty
$38–$64 $75–$125 24-48 hours VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost in NC $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost in NC $49–$109
Service Fee $100–$125
Response Time Up to 48 hours
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost in NC $44–$47
Service Fee $60–$75
Response Time 48-84 hours
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost in NC $47–$87
Service Fee $75–$125
Response Time 4-48 hours
VISIT SITE
AFC Home Warranty
Logo AFC Home Warranty
Star Rating
Monthly Cost in NC $38–$64
Service Fee $75–$125
Response Time 24-48 hours
VISIT SITE
Company BBB Rating Monthly Cost in NC Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $49–$109 $100–$125 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
B $47–$87 $75–$125 VISIT SITE
B $38–$64 $75–$125 VISIT SITE
No results were found.

The pricing information in this article is based on a 2,217-square-foot, single-family home in Charlotte, North Carolina. Your monthly premium may vary based on your location, home size, and plan and add-on choices.


How We Rated Home Warranty Companies in North Carolina

Our process of identifying North Carolina’s top home warranty companies began by consulting with local real estate agents, repair technicians, and home builders. They helped us identify the common home repairs and replacements faced by residents. We then spoke with representatives from each home warranty company, analyzed service plans, gathered sample quotes, and reviewed policy terms.

Next, we scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. To assess coverage, we looked for HVAC and roof-leak protection in base policies or through add-on options to assess coverage. We compared premiums against the value of coverage offered. We researched brand reputation and customer reviews on third-party sites. Finally, we examined policy factors such as claims processing speed, customer support, and filing procedures.

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Home Owners Surveyed We surveyed 2,000 home owners to see what they care about most when in comes to home protection.
57000
Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Do I Need a Home Warranty in North Carolina?

Home warranties help North Carolinians reduce costly repairs and replacements of essential home appliances and systems.

According to the U.S. Energy Information Administration (EIA), 91% of North Carolina homeowners have an air conditioning system, and 87% own a furnace or heat pump.

According to a survey of 1,000 home warranty policyholders across the country, HVAC (heating, ventilation, and air conditioning) systems and roof-leak coverage are among the most crucial areas for home protection in the state.

Our survey revealed that 69.2% of policyholders had coverage for their air conditioning units, while 55.8% opted to insure their heating systems. Additionally, roof-leak coverage was the most popular add-on selection, with 56% of homeowners choosing to include it.

The state experiences hot summers and freezing winters, making it essential to have a reliable HVAC system to maintain a comfortable indoor environment. In addition, North Carolina’s diverse climate, ranging from coastal hurricane-force rains to heavy snowfall in mountainous regions, can damage roofs, making roof-leak protection necessary.

In addition to HVAC and roof leaks, we’ve also identified other home systems and appliances North Carolina homeowners often repair and replace:

ItemAverage Cost to RepairAverage Cost to Replace
Gas furnace$30–$150$3,800–$10,000
Air conditioning$100–$650$2,500–$15,000
Heat pumps$100–$650$1,500–$5,000
Plumbing leaks$150–$450$200–$5,000
Roof leaks$150–$2,000$5,000–$13,000

Data sourced from The Home Depot


How Much Does a Home Warranty Cost in North Carolina?

A home warranty in North Carolina costs $40–$75 per month, or $480–$900. Multiple factors affect your home warranty coverage costs, such as your home’s size and type, location, and plan selections. We explain additional factors that affect home warranty costs below:

  • House size: Home warranty companies factor in home size in your premium costs. After pulling more than 100 home warranty quotes across North Carolina, we found providers charge more for homes larger than 5,000 square feet. 
  • House type: Most home warranty providers in North Carolina charge the same monthly fee for various home types, such as single-family homes, townhomes, and condominiums. However, some companies exclude certain home types from coverage, such as mobile homes.
  • Location: Your location within North Carolina can affect your plan’s total cost. If you live in more historic areas, such as Raleigh or Charlotte, you may be charged slightly more because your home is older. Coastal homes may be charged more due to flooding and hurricane vulnerability. Home warranty companies usually charge more for homes in high-risk areas.
  • Plan selections: Home warranty providers charge more for plans that cover more items, and add-on coverage can also raise your monthly premium. Our home warranty survey revealed that 44.6% of respondents prioritized item coverage when selecting a plan. We recommend selecting coverage based on your immediate needs to avoid paying for unnecessary coverage.

Reviews of the 5 Best North Carolina Home Warranty Companies

Liberty Home Guard

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Liberty Home Guard (LHG) for North Carolina homes with multiple AC units and specialized coverage needs. LHG covers two heating or central AC systems within standard plans, while other providers offer extra unit coverage as an add-on. The company offers 38 add-on options, such as roof-leak protection, professional-grade appliances, and gutter cleaning. 

Monthly cost: $49–$59

How We Scored Liberty Home Guard

Liberty Home Guard received a 4.5 out of 5 stars in our review standards. The provider earned high scores for its excellent add-on catalog, complete HVAC coverage, and extended workmanship guarantee. We deducted points for its limited technician policy and industry experience. Here’s how LHG rated it in key categories:

  • Coverage (4.7 out of 5): LHG scored well for its HVAC coverage and extended add-on catalog.
  • Value (4.25 out of 5): LHG lost points for its unclear and fixed service fee pricing.
  • Trustworthiness and Transparency (4.8 out of 5): We awarded higher points for its excellent customer service scores across several third-party review sites. 
  • Availability and Service (4.3 out of 5): We deducted points for inflexible service technician policy.

Pros and Cons

Pros Includes HVAC and plumbing coverage under two plans Offers coverage for two air conditioning units Provides a 60-day workmanship guarantee Cons Doesn’t show the service call fee during the quote process May take up to 48 hours to respond to a claim Requires immediate claim filing when an issue is discovered

Plans and Cost

While reviewing the Liberty Home Guard sample contract, we learned that although the company does offer roof-leak coverage, it’s only an add-on option. The company offers three plans that include appliance-only and system-only options. Most items receive a $2,000 coverage cap. Plumbing and electrical systems max out at $500. LHG offers few details about its service call fee, which varies based on your plan, location, and add-on options.

Here are details on LHG’s coverage plans:

  • Appliance Guard: This plan covers nine major appliances, such as dishwashers, clothes washers, and dryers. All items receive a $2,000 coverage limit. 
  • Systems Guard: This plan protects six built-in systems, such as heating, cooling, and plumbing. Four systems receive a $2,000 limit. Plumbing and electrical receive a $500 cap. 
  • Total Home Guard: The highest plan covers all the items in the Appliance Guard and Systems Guard plans

You can choose from monthly and annual premium options. Annual plans cost between $499 and $599 per year for coverage. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan.

Below are the monthly prices for LHG plans:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

You can choose from 38 add-on options for extended home coverage. You’ll pay $11.99 per month to add roof-leak coverage. Our sample quote also included recommendations for coverage based on other North Carolina homeowners. Below are the suggested add-on options for North Carolinians: 

  • Limited roof-leak coverage
  • Pool and spa
  • Stand-alone freezer
  • Septic tank pumping
  • Well pump

Our Experience With Liberty Home Guard

Our secret shopping experience revealed Liberty Home Guard provides multiple convenient contact channels, such as phone, live chat, and its app. Evaluating each method showed:

  • The LHG customer support line connects a representative in under 60 seconds.
  • The live chat uses bot responses plus live agents. You must request to speak with a live agent. 
  • The chat works well for brief and general questions. We recommend calling in for more detailed assistance. 

We confirmed you can file claims via the online portal, customer support number, or the mobile app.

American Home Shield

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend American Home Shield (AHS) for North Carolina homeowners who need comprehensive system and appliance coverage. Each plan offers HVAC and plumbing protection plus options for roof-leak coverage.

Monthly Cost: $49–$109

How We Scored American Home Shield

American Home Shield scored 4.4 out of 5 stars in our review standards. We awarded more points for its comprehensive HVAC protections and service fee flexibility. We deducted points for its bundled coverage pricing, which is higher than other reviewed providers. Here’s how we rated American Home Shield in key categories:

  • Coverage (4.7 out of 5): American Home Shield received more points for its comprehensive HVAC coverage and added roof-leak options. 
  • Value (4 out of 5): We deducted points for its two bundled plans’ high pricing. 
  • Trustworthiness and Transparency (4.25 out of 5): AHS lost points for its lower third-party customer review scores.  
  • Availability and Service (4.7 out of 5): We awarded higher points for its accessible 24/7 claims line and online claims process.

Pros and Cons

Pros Covers items with physical damage and preexisting conditions Includes heating and cooling coverage with every plan Provides roof-leak coverage with its highest plan Cons Excludes appliance-only coverage from its plan options Doesn’t offer annual premiums Offers the fewest add-on options of this review

Plans and Cost

After reviewing the American Home Shield sample contract, we learned that roof-leak coverage requires add-on coverage for two plans: ShieldSilver and ShieldGold. However, ShieldPlatinum includes roof-leak protections in its standard coverage. Heating and cooling systems receive coverage under each plan at no additional charge. All repairs include a 30-day workmanship guarantee.

We’ll cover American Home Shield’s plans below:

  • ShieldSilver: The lowest plan covers home systems, such as heating, cooling, and electrical. You receive a $5,000 coverage cap for covered items. 
  • ShieldGold: The lowest bundled plan covers major systems and appliances, such as ranges and water heaters. This plan offers a $5,000 system cap and a $2,000 cap for appliances. 
  • ShieldPlatinum: This plan includes ShieldGold coverage plus additional protections such as roof leaks and HVAC tune-ups.  Appliance coverage increases to a $4,000 cap.

Our sample quote included options for a $100 or $125 service call fee. Choosing the higher service call fee lowered our monthly premium. Although most companies also offer annual premium options, AHS excludes them from its plan options.

We’ve detailed American Home Shield prices below:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$49.99–$59.99

$100–$125

$5,000

ShieldGold

$69.99–$79.99

$100–$125

Systems: $5,000

Appliances: $2,000

ShieldPlatinum

$99.99–$109.99

$100–$125

Systems: $5,000

Appliances: $4,000

American Home Shield offers the fewest add-on options compared to our other reviewed providers. Other competitors provide eight or more options. Roof-leak coverage costs $10 per month for the ShieldSilver and ShieldGold plans. 

Additional add-on options include the following protections:

  • Electronics protection plan
  • Guest unit 
  • Pool and spa
  • Septic pump
  • Well pump

Our Experience With American Home Shield

A member of our team shared his experience submitting a claim with American Home Shield:

  • He filed a claim on the website for a leaky bathroom pipe.
  • He received a text and email confirmation after submission.
  • Within five minutes, a contractor called him to schedule a next-day appointment. 
  • The technician resolved the leak in under two hours.
  • Our team member only paid the service call fee.

AHS requires you to choose a service technician from its in-network options and does not allow you to use your own.

Select Home Warranty

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Select Home Warranty for North Carolina homeowners seeking budget-friendly coverage options. The company includes free roof-leak coverage with every plan and offers monthly premiums under $50.

Monthly cost: $44–$47

How We Scored Select Home Warranty

Select Home Warranty earned 4.3 out of 5 stars in our review standards. We gave higher points for its free roof-leak protections and low-cost plans. We deducted points for its below-average coverage caps. Here’s how we rated Select in key categories:

  • Coverage (3.7 out of 5): Select lost points for offering coverage caps that fell below the $2,000 industry standard for most items.  
  • Value (5.5 out of 5): Select received a perfect score for its affordable plan pricing.  
  • Trustworthiness and Transparency (4.5 out of 5): We deducted points for its lower third-party review site scores. 
  • Availability and Service (4.3 out of 5): Select lost points for longer claims processing time.

Pros and Cons

Pros Includes free roof-leak coverage with every plan Offers HVAC and plumbing system coverage under two plans Provides a $3,000 coverage cap for HVAC systems Cons Excludes coverage for unknown preexisting conditions Offers coverage caps of $500 or lower for most items Provides limited service call fee flexibility

Plans and Cost

After reviewing the Select Home Warranty sample contract, the company offers lower coverage caps than its competitors at $500 for most items. These coverage limits are below industry standards, which is around $2,000. Only HVAC systems receive a generous $3,000 coverage cap. All repairs and replacements include a 30-day workmanship guarantee. We recommend North Carolina homeowners who need HVAC and roof-leak protection at an affordable price.

We will discuss each Select Home Warranty plan below:

  • Bronze Care: This plan offers appliance-only protection, such as garbage disposals and refrigerators. Covered items receive a $500 cap.
  • Gold Care: This system-only plan includes HVAC, plumbing, and other major home systems. HVAC systems receive a $3,000 cap, while other items receive the standard $500 limit. 
  • Platinum Care: The highest plan tier combines the Bronze and Gold Care plans and adds additional coverage for plumbing stoppages and luxury appliances. All coverage limits remain the same.

The company offers monthly and annual premiums. While secret shopping, we received a $150 discount and two free months of service when we selected the annual plan. Select’s service fees range between $60 and $75.

Here are the monthly prices and fees for Select Home Warranty:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

Select offers nine low-cost add-ons, with prices between $3.33 and $8.33. You must add the free roof-leak options to receive coverage.

Additional add-on protection includes the following options: 

  • Lawn sprinkler system
  • Pools 
  • Septic system
  • Standalone freezer
  • Sump pump

Our Experience With Select Home Warranty

Based on our experience, we recommend calling Select Home Warranty when requesting quotes. We received an exclusive over-the-phone deal with our quote, resulting in the lowest service call fee available. The Select customer support representative also advised that the company prefers to resolve issues and process claims over the phone. You also receive the annual discount and free service months over the phone.

First American Home Warranty

Best Appliance Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

If you own high-end home systems and appliances, we recommend First American Home Warranty for your North Carolina home. The company provides some of the highest caps in our review, with up to $7,000 for appliances and unlimited coverage for HVAC systems.

Monthly cost: $47–$87

How We Scored First American Home Warranty

We awarded First American Home Warranty 4.6 out of 5 in our review standards. The company received high points for its unlimited HVAC caps and generous appliance caps. We docked points for its limited service technician policy. Here’s how we rated First American in key categories:

  • Coverage (4.7 out of 5): We gave higher points for excellent coverage caps, such as unlimited caps for HVAC and plumbing.
  • Value (4 out of 5): We deducted points for its higher service call fees. 
  • Trustworthiness and Transparency (4.8 out of 5): First American scored well due to its excellent customer review scores.
  • Availability and Service (4.3 out of 5): We deducted points for its inconsistent claim processing turnaround.

Pros and Cons

Pros Covers up to $7,000 for appliances Doesn’t exclude systems and appliances due to preexisting conditions Provides unlimited coverage caps for air conditioning and heating systems Cons Excludes roof-leak coverage in two plans’ base coverage Does not cover some major home systems under its basic plan Priced slightly higher than other providers

Plans and Cost

When we analyzed First American’s sample contract, we realized the standard coverage for the two lowest plans omits roof-leak coverage. Only the Premium Plan included this coverage without the need for add-on coverage. We learned that home systems, except water heaters, receive an unlimited coverage cap. In addition, the Starter Plan covers heating but not cooling systems. For full HVAC coverage, you must add the central AC add-on.

Here’s an overview of First American’s coverage plans:

  • Starter Plan: This plan provides bundled coverage for some home systems and appliances, such as heating, electrical, and refrigerators. You receive a $3,500 appliance cap and unlimited coverage for built-in systems. 
  • Essential Plan: This plan includes the Starter Plan protections and adds air conditioning, clothes dryers, and water heaters. You’ll receive the same coverage limits for covered items. However, water heaters have a $1,000 limit.  
  • Premium Plan: This plan offers the Essential Plan protections and adds coverage for luxury appliances, window air conditioning units, and hot water dispensers. Appliance coverage doubles to $7,000.

Although First American does offer annual plans, it doesn’t include any discounts or free months of service as a bonus. Annual plan costs range from $540–$1,020. You can customize your plan by choosing a $75, $100, or $125 service call fee. The lower the service fee, the higher your premium rate.

Here’s a breakdown of First American monthly rates and fees:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$47–$62

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$57–$72

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$72–$87

$75–$125

Systems: Remain the same Appliances: $7,000

First American includes 12 add-on options with its plans. HVAC protections include central AC for $8.33 and tuneups for $2.08. You’ll pay $8.33 per month for roof-leak coverage for the two lowest plans. The Premium Plan includes all three protections at no extra cost. 

Additional add-on options include the following protections:

  • Additional refrigeration
  • Septic tank pumping/systems
  • Water softeners
  • Well pumps

Our Experience With First American Home Warranty

Our team member submitted a First American claim for his broken garage door opener and found the process very simple:

  • After submitting his claim online, he received a text confirmation with the technician’s information.
  • The technician contacted him to set an appointment 30 minutes later.
  • The technician explained the issue and finished the repair in 30 minutes. He was only charged the service fee for his visit. 

AFC Home Warranty

Best for Customization
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for homeowners looking for unlimited workmanship coverage and caps for HVAC systems. The company offers four home service plans and three service call fees, giving you more customization options.

Monthly cost: $38–$64

How We Scored AFC Home Warranty

We awarded AFC Home Warranty 4.6 out of 5 in our review standards. We gave higher points for its plan and service fee variety. We deducted points for its depreciation policy, which can impact the coverage cap for older items. Here’s how AFC Home Warranty scored in key categories.

  • Coverage (4.3 out of 5): AFC Home Warranty received lower scores for its age-based depreciated value policy. 
  • Value (4.5 out of 5): AFC rated high for its plan customization options, offering more plan choices than other reviewed providers. 
  • Trustworthiness and Transparency (4.8 out of 5): AFC Home Warranty scored well for its unlimited workmanship guarantee, the longest guarantee in this review.
  • Availability and Service (5 out of 5): The company received a perfect score for its flexible service technician policy.

Pros and Cons

Pros Allows you to choose your own service technician Includes unlimited caps for HVAC and plumbing systems Offers free-roof leak protection Cons Excludes coverage for undisclosed preexisting conditions Includes coverage caps equivalent to the item’s depreciated value Requires claim submission within 24 hours of detecting an issue

Plans and Cost

After reviewing the AFC Home Warranty sample contract, we found out homeowners can add free roof-leak protection on every plan. North Carolina homeowners benefit from HVAC coverage with unlimited caps. However, thermostats have a $80 limit. We also learned that AFC Home Warranty includes a depreciation policy that reduces coverage caps for items five years or older. Homeowners with older kitchen appliances and systems benefit less from these plans.

We’ve detailed the AFC Home Warranty plans below:

  • Silver Plan: This appliances-only plan covers major home and kitchen appliances, such as cooktops, clothes washers, dryers, and refrigerators. You receive a $3,000 cap for covered appliances. 
  • Systems Plan: This system-only protection plan includes HVAC, electrical, and plumbing. You receive an unlimited coverage cap for home systems. 
  • Gold Plan: The next tier includes Silver and System Plan coverage. All coverage caps remain the same. 
  • Platinum Plan: This plan includes Gold Plan coverage and adds additional coverage, such as built-in microwaves, ice makers, and plumbing stoppages.

AFC Home Warranty offers both annual and monthly plan premiums. The annual coverage cost ranges from $387–$702. Opting for a yearly plan includes additional discounts, with a one-year plan providing a $100 discount and a three-year plan offering a $250 discount.

Here’s an overview of AFC Home Warranty’s pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

Silver Plan

$38.33–$43.58

$75–$125

$3,000

Systems Plan

$46.17–$51.42

$75–$125

Appliances: $3,000

Systems: Unlimited

Gold Plan

$54.08–$59.33

$75–$125

Coverage caps remain the same

Platinum Plan

$59.33–$64.58

$75–$125

Coverage caps remain the same

AFC Home Warranty offers 13 different add-ons, with prices ranging from $25 per year for central vacuum coverage to $150 for in-ground pool and spa protection. You can add roof leak protection to any plan at no additional cost.

Below is a sample of additional add-on options:

  • Double oven
  • Hot water dispenser
  • Septic system
  • Sump pump

Our Experience With AFC Home Warranty

We discovered that AFC Home Warranty allows homeowners to select their own service technicians, which is uncommon as most home warranty companies use preapproved networks of technicians for their service jobs.

Additionally, AFC Home Warranty offers unique perks to its customers, such as free credit monitoring, emergency alert services, free identity monitoring, and dental, vision, and pet insurance.


How To Choose a Home Warranty in North Carolina

The best North Carolina home warranty company is one offering the coverage and customer service that fits your needs. Consider these factors before you buy a home warranty:

  • Review brand reputation: Look up providers on the Better Business Bureau (BBB) website. Avoid home warranty companies with patterns of complaints or a score lower than a C. 
  • Verify customer service: Call each home warranty company with coverage questions to learn how the customer service team handles your inquiries and how promptly they address concerns. We also recommend reading third-party reviews to gauge customer satisfaction with each company. 
  • Read sample contracts: Providers should offer sample contracts on their websites for the sake of transparency. We recommend shortlisting three home warranty companies and reading their sample contracts to compare their coverage plans, service fees, exclusions, and limitations. Ensure the coverage caps are high enough to cover an item replacement, not just a repair. Request free quotes from each company and compare premiums, available discounts, and add-on costs. 
According to our survey of 1,000 home warranty policyholders, 92.5% were satisfied with the outcome of their most recent claim.

How Are Home Warranties Regulated in North Carolina?

The North Carolina Department of Insurance (NCDOI) oversees home warranty regulation within North Carolina. However, our research shows that the NCDOI specifically regulates home appliance service contracts. According to General Statute §§ 66-371–372, companies that offer home appliance service agreements must maintain a detailed claims register to record each claim they receive from consumers.

We also found there isn’t clear legislation that oversees service home warranty contracts covering major systems. However, you can file a complaint with the NCDOI if you believe your provider isn’t meeting its contractual obligations.
Alongside government oversight, home warranty companies self-regulate. Industry associations such as the Service Contract Industry Council (SCIC) are one of several organizations that oversee service contract companies. It works closely with North Carolina legislators to develop laws centered on consumer protection.


Home Warranty Cost Calculator

We created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.

Life span and repair cost data sourced from InterNACHI and Home Depot



FAQ About Home Warranties in North Carolina

What is the difference between a home warranty and home insurance?

The difference between a home warranty and home insurance comes down to protections. A home warranty offers financial relief from repair costs for normal wear and tear on appliances and systems. Home insurance protects your entire home and belongings against natural disasters, such as hurricanes and earthquakes.

What are the cons of a home warranty plan?

Some cons of home warranty plans include limiting your technician choices, excluding certain item conditions, and restricting coverage caps. Some warranty contracts require proof of regular maintenance for appliances and systems for claim approval. Some companies also take several days to process a claim and issue a technician, making it ineffective for urgent home repairs.

What does a home warranty cover in North Carolina?

A home warranty cover in North Carolina typically covers the repair or replacement of major home systems and appliances. Depending on the provider, your plan may cover just systems or just appliances, or offer combined protection. We recommend reviewing your home warranty plan to understand your exact coverage terms and exclusions.

How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for the top cities in North Carolina below.

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