Best Home Warranty Companies in North Carolina (2024)

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

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:

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

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.

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

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 Liberty Home Guard’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:

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 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.

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

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:

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 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. 

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

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:

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

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.

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

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:

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.