Best Home Warranty Companies in North Carolina (With Customer Feedback)

Monthly Cost: $29–$89

Service Fee: $100–$125

Workmanship Guarantee: 30 days

• Offers $5,000 of HVAC coverage in each plan—more than twice the industry standard 
• Allows you to customize your price with multiple service call fee options
• Provides roof-leak coverage in its highest-tier plan, which is good for coastal homeowners

Keep in Mind

• Has the highest prices of any company we reviewed
• Offers fewer coverage options outside of its core plans than other providers on this list

American Home Shield (AHS) has several perks that make it good for North Carolina homeowners. Of these, we think that its coverage for preexisting conditions, or issues that predate coverage, is the most important. Most companies won’t cover preexisting issues, and it’s especially helpful for homes with aging systems.

We also like AHS’ generous HVAC coverage cap—also known as a maximum coverage limit—of $5,000. Considering how hot North Carolina summers can be, reliable HVAC coverage is essential to keep your home cool. Plus, American Home Shield bundles free roof-leak coverage in its highest-tier plan, which can save you tons of money on roof repairs and leak prevention.

On the downside, AHS doesn’t offer an appliance-only plan. This means it may not be the best fit if you’re mainly interested in covering your major appliances. Another concern is American Home Shield’s price; while the company does have some of the most comprehensive coverage we’ve seen, it also has the most expensive monthly rates of any company we’ve reviewed. In addition, its plans come with steep service fees, which is the fixed cost you’re responsible for covering each time a repair is completed.

Monthly Cost: $46–$55

Service Fee: $100

Workmanship Guarantee: 90 days for parts, 60 days for labor

• Offers comprehensive coverage at a reasonable price
• Has a longer-than-average workmanship guarantee of 90 days
• Provides coverage caps of $3,000 for most items

Keep in Mind

• Lacks coverage for multiple essential items in its base plan
• Faces a pending lawsuit with the Arizona Attorney General’s Office

We recommend Choice Home Warranty if you’re looking for a comprehensive but affordable home warranty plan. Its highest plan costs only $55 per month, which is one of the most affordable rates among top companies. For its lower-than-average price, it offers coverage caps of $3,000 for most of its items, which is $500 more than the industry average. It also has an add-on catalog of 11 items that include sprinklers, septic tank pumping, well and sump pumps, and more.

Our biggest concern with Choice is that it doesn’t cover essential items such as air conditioning, laundry appliances, or refrigerators in its Basic Plan. If you want coverage for these items, you’ll need to pay an extra $9 per month and upgrade to its higher-tier plan. Another issue is that it’s facing a lawsuit filed in 2019 by the Arizona Attorney General’s Office, which accuses Choice Home Warranty of bad-faith claim denials. We contacted Choice about the lawsuit, and a representative stated that while they could not comment on pending litigation, the company “is committed to providing best-in-class service to every customer.”

Monthly Cost: $40–$60

Service Fee: $70

Workmanship Guarantee: 90 days

• Allows you to choose exactly what systems and appliances you want covered
• Completes follow-up repairs for free if issues persist within 90 days of initial repairs
• Provides a robust add-on catalog of 27 items

Keep in Mind

• Doesn’t allow you to use repair people outside of its network
• Has a $15,000 annual limit for total coverage, potentially limiting your payouts per year

We recommend Elite Home Warranty for North Carolina homeowners who want to customize their plan. While most home warranty companies have pre-built plans, Elite allows you to design your own, choosing what systems and appliances you want.

Elite also has an impressive add-on catalog of 27 items. We think this is helpful for North Carolinians because of the diverse range of seasons and climates within the state—Elite’s plan structure allows you to cover the specific items you need without paying for unneeded coverage. We also like the company’s 90-day workmanship guarantee, which is three times the industry average. This means that if any issues occur within 90 days after your initial repair, Elite will arrange the follow-up repairs for free.

Unfortunately, this workmanship guarantee only applies to technicians within Elite Home Warranty’s network. So if you hire your own contractor, you won’t get the same 90-day coverage. Elite’s $15,000 annual claim limit is also restrictive. If you make multiple high-value claims and hit the cap, you’ll have to pay for repairs out of pocket for the rest of the year. For this reason, we don’t recommend Elite for those expecting to file a high number of claims on big-ticket items.

Monthly Cost: $42–$82

Service Fee: $75–$125

Workmanship Guarantee: 30 days 

• Has a $7,000 coverage cap for appliances in its highest plan, three times the industry standard
• Provides unlimited coverage caps for HVAC and plumbing systems
• Covers damaged or improperly installed items as an add-on

Keep in Mind

• Doesn’t have appliance- or system-only plans
• Doesn’t include roof-leak coverage in its basic plans

We recommend First American Home Warranty (FAHW) if you’re looking for high coverage caps. FAHW’s plans have unlimited coverage for most essential systems and $7,000 for appliances, whereas most companies only offer $2,500. This makes FAHW a great option if you have expensive appliances or new home systems. One of the main reasons we recommend First American for North Carolina Homeowners is its unlimited HVAC coverage. Given the state’s intense summers, having your HVAC system completely covered is a must. Plus, if you add the free First American Advantage upgrade, the company will cover items damaged from poor upkeep or faulty installation—something most providers don’t do.

First American Home Warranty comes up short in its lower-tier plan options. It doesn’t offer system- or appliance-only plans, so you can’t opt for covering just one or the other. We also don’t like that its Starter Plan doesn’t cover roof leaks, which is important for the rainy state of North Carolina. However, you can get this coverage as an add-on.

Monthly Cost: $49–$59

Service Fee: $65–$125

Workmanship Guarantee: 60 days 

• Offers more add-on coverage options than any major player in the industry
• Offers 24/7 live chat, which can be helpful for emergency or off-hour repairs
• Features a 60-day workmanship guarantee

Keep in Mind

• Does not communicate your service fee cost until after signup
• Has low plumbing and electrical system coverage caps of $500

The biggest benefit of Liberty Home Guard (LHG) is its long list of add-on options, which gives you plenty of room to customize your plan. LHG’s add-ons include items such as sump pumps and well pumps, which are great for rainy areas. It also has options for pest control and gutter cleaning, which can be helpful for homeowners in rural or wooded regions. Plus, Liberty Home Guard has an add-on for two air conditioning units. This is a good option for the coastal region of North Carolina, where summer heat can strain units.

While there’s a lot we like about LHG, we’re not fans of its service call fee policy. Liberty Home Guard doesn’t disclose its service call fee until after you sign up for a plan, and unlike providers such as American Home Shield, it doesn’t allow you to opt for a higher service fee to lower your monthly plan cost (or vice versa). Liberty Home Guard’s service call fees range from $65–$125, which is slightly above the industry average.

Our other issue with LHG is its lower-than-average coverage limits on plumbing and electrical systems. Most companies have limits of around $2,500, but LHG only offers $500. This may be an issue for homeowners who live in rainy areas since heavy rainfall can strain plumbing systems.