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:

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

✔ 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

Plans and 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
For a free quote, fill out American Home Shield’s online form or call at 844-529-9298.

Learn more: American Home Shield 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

✔ 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

Plans and Pricing

Liberty Home Guard offers three packages, including systems-exclusive and appliance-exclusive plans. 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, 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

✔ 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

Plans and Pricing

Select Home Warranty provides 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 or call 888-370-3956.

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

✔ 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

Plans and 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.

Learn more: First American Home Warranty Review


America’s 1st Choice Home Club

America’s 1st Choice Home Club (AFC Home Club) offers four plans, a flexible service call fee model, and several add-on options, making it our top choice for homeowners who want plan customization. With AFC Home Club, you can find a plan that’s tailored to your North Carolina home’s needs and your budget. 

Pros and Cons

✔ Offers a plan-length workmanship guarantee
✔ Allows customers to choose their own contractor
✔ Includes free benefits, such as credit alert monitoring, identity theft protection, and access to an emergency alert network

✘ Requires customers to submit a claim within 24 hours of noticing an issue
✘ Charges a $75 cancellation fee

Plans and Pricing

AFC Home Club offers four plan options: the Silver Plan, the Systems Plan, the Gold Plan, and the Platinum Plan. The Silver and Systems plans cover appliances and built-in systems, respectively. The Gold and Platinum plans cover a combination of built-in systems and appliances with slight variations in coverage. 

AFC Home Club allows you to choose your service call fee from three preset options. If you choose the $125 service call fee, your monthly fees will be lower. If you choose the $75 service call fee, your monthly fees will be higher. 

Here’s an overview of AFC Home Club’s monthly pricing:

  • Silver Plan: $33–$37.67 per month
  • Systems Plan: $40–$44.75 per month
  • Gold Plan: $47.08–$51.83 per month
  • Platinum Plan: $51.83–$56.50 per month

To request a free quote, fill out AFC Home Club’s online form or call 877-755-1115.

Learn more: AFC Home Club Reviews


Our Conclusion

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. 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


Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.