A South Carolina home warranty can prevent you from paying expensive repair or replacement costs when an important home item, like your electrical system, garbage disposal, garage door opener, or water heater, fails from regular use.
To make your home warranty search easier, the This Old House Reviews Team compared a variety of companies in South Carolina to find the best home warranty for your home protection needs. Read on to learn what your top options are.
South Carolina’s Top 5 Home Warranty Companies
The highest rated home warranty companies in SC include:
When determining the best home warranty companies in South Carolina, our team looked at levels of coverage, pricing, industry reputation, customer reviews, and more. Here are our top five recommended picks.
Summary of the Best Home Warranty Companies in South Carolina
How Much Does a Home Warranty Cost in South Carolina?
Our research shows that the average monthly premium for a South Carolina home warranty is $51 monthly or $612 annually. However, your coverage costs could vary based on several factors, such as your coverage type and add-on selections. Some providers also offer flexible service call fees that raise or lower your monthly premium. You should also consider any additional fees you may incur when you file a claim. For example, if your furnace needs replacement via a crane, you may be responsible for the removal fees.
Another factor that influences the cost of a South Carolina home warranty is local technician rates. Most home warranty companies have in-network technicians who fulfill service requests at a reduced rate. If a company allows you to choose your service provider, we’ve found its coverage plans cost more on average.
Annual Home Warranty Cost Calculator
Our team 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.
Factors To Consider Before Buying a South Carolina Home Warranty
Before signing up with a home warranty company, there are factors you should consider to ensure you choose the correct company. For instance, if you own rental properties, your needs may differ from homeowners who want a cheap home warranty. Below is a list of tips to help you buy the best home warranty:
- Build your budget: Review how much you can spend annually on a coverage plan. Our home warranty cost calculator can give you an estimated cost for owning a home warranty.
- Consider coverage needs: Think about the coverage you need and confirm a provider offers it. To do so, read the company’s sample contract since it explicitly outlines coverage terms and exclusions. Don’t rely on the coverage options a provider lists on its website. Companies may cover an item but exclude an essential component.
- Research company reputation: Do your due diligence and read customer reviews for each provider you’re considering. Also, look up company licenses on South Carolina’s business directory to ensure you sign up with a reputable company.
What's Not Covered Under A Home Warranty?
There are certain items in your home that aren’t typically covered by a home warranty plan. Items such as windows, walls, doors, window air conditioning units, and garage doors typically aren’t covered.
There are also certain types of damage that aren’t classified as “normal wear and tear,” such as the following:
- Preexisting conditions
- Damage from misuse
- Improper installation, modification, or maintenance
How Are Home Warranties Regulated in South Carolina?
South Carolina’s Department of Insurance (SCDOI) oversees home warranty regulation. According to South Carolina statute §§ 38-78-10 to 38-78-120, companies that sell home service contracts must first register with the SCDOI and pay an annual licensing fee. The SCDOI also outlines requirements home warranty companies must follow. For instance, a company must promptly issue its service contract to consumers or face license suspension.
The SCDOI provides a complaint form you can fill out if you believe your home warranty company is neglecting its contractual obligations.
Our research shows there are separate organizations overseeing home warranty regulation, such as the Service Contract Industry Council (SCIC). The SCIC comprises member companies in multiple industries, including the home warranty industry. The SCIC works alongside state legislators to create laws and regulations that benefit companies and consumers alike.
Expert Takes on Home Warranties
We asked several industry experts for their takes on questions homeowners have about home warranties. Here is what they had to say:
- Are there specific factors to consider before signing up for a South Carolina home warranty company? We interviewed Arthur Chartrand, who is of counsel to the National Home Service Contract Association, and he gave us several tips. The first: “Look for a company who lists their full name, address, and who their management is.” His second tip centers on reading a company’s sample contract. “Make sure it’s what you need,” he says.
- Is there a difference between a basic plan and a comprehensive plan? According to Danny Margagliano, a Realtor for World Impact Real Estate, you should find out if a home warranty offers both basic and comprehensive plans. “Depending on the age of your home appliances, the cheapest plan may be good,” he says. “A more expensive plan that covers more parts of the home may be a better choice for someone else.”
- Should I buy a South Carolina home warranty if I own an older home? According to Dave Bringer, owner and head technician of Bringer Appliance Repair, you should consider a home warranty if you own an older home. “Older homes need home warranties because their appliances and systems have most likely used their manufacturer’s warranty coverage,” he says.
American Home Shield, Liberty Home Guard, AFC Home Club, and Select Home Warranty are the among best options for South Carolina homeowners because of the large number of affordable coverage options they provide. Before buying a home warranty, we recommend getting a free quote from all of the companies featured on this list so you can compare pricing specific to your area.
Life span and repair cost data sourced from InterNACHI and Home Depot
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
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