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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

All North Carolina homeowners need dependable home systems and appliances. When something like your air conditioning fails, it can make your home uncomfortable—not to mention the unexpected repair costs that can strain your budget.

This is where a home warranty can help. With a good home warranty, you can protect yourself from expensive repairs and replacements. Below is our list of the top home warranty providers in Raleigh, North Carolina.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

7 Best Home Warranty Companies in Raleigh

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
First American Home Warranty Logo
Best Appliance Coverage

First American Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls
  • Offers replacement of some covered items that are too damaged to repair

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers

39 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Raleigh

  • Average Max Temperature:
    69°F
  • Average Min Temperature:
    51°F
  • Average Annual Snowfall:
    4.4”
  • Homeownership Rate:
    59%
  • Median Home Size:
    2,348 sqft
  • Median Home Price:
    $434,459

Are Home Warranties Worth It for Raleigh Residents?

Home warranties are worth it for Raleigh residents. Raleigh summers are very hot, which makes it very important to have a reliable air conditioner. However, this system can malfunction over time from heavy use.

Raleigh has fairly mild winters, but it's still important to make sure your heating works when needed. The cost of replacing your HVAC system can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.

Raleigh's regular rain showers can also affect your roof. Some home warranty providers offer limited roof-leak protection to financially assist with repair.

Finally, a home warranty connects you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when selecting the right home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost approximately $53–$62 per month. You'll also pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. You can select add-on coverage options, but these will increase your monthly cost. Consider your specific needs before committing to a plan.

Coverage

Most home warranties can be somewhat customized to your needs. Think about which systems and appliances you use often and want covered. If you only want coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. Here is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, consider a provider's coverage limits. A provider with higher coverage caps makes more sense if your systems and appliances are older. However, our research shows that companies with higher coverage caps usually charge higher premiums.

Exclusions

Usually, home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. Generally, cosmetic issues or appliance components, theft, defects, or routine maintenance are also not covered. Providers outline limitations and exclusions in their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.

Provider Reputation

Also, consider provider reputation when choosing a plan. You can read customer reviews on sites such as Best Company, Google Reviews, and Trustpilot or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to assess how providers handle claims and customer service. Check with the North Carolina Attorney General to verify that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's network of service providers. Ask your provider how and where it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider choosing a home warranty provider that lets customers select their technicians. It's good to have the option to source your own providers if there are no in-network ones available in your area.

Frequently Asked Questions about Home Warranty in Raleigh

More Home Warranty Resources

Sources

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

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