Best Home Warranty Companies in North Carolina

By Amanda Lutz

Nov 08, 2023
A closeup of a kitchen with white cabinets and a white tiled backsplash, wood countertops, and a stainless steel stove and sink

Affiliate Disclaimer: All products and services featured are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

Prepare for a rainy day when you have a North Carolina home warranty. A home warranty is one way to fill in the gaps of your homeowners insurance by covering breakdowns of appliances and built-in systems that occur due to normal wear and tear. 

With a home warranty, you can file a service request when a covered item stops working properly, and providers will connect you with a service technician within a designated time frame—often within 24 to 48 hours. To help you find the best home warranty company in North Carolina, we’ve explored more than 35 providers across the industry and compiled coverage options, pricing and key facts on the top five companies in the state.

All pricing information used in this article is based on a single-family home, smaller than 5,000 square feet, in Marvin, North Carolina. Your pricing may vary depending on the size and location of your home.


The Top 4 Home Warranty Companies in North Carolina

Review the best four home warranty providers in North Carolina:


Compare North Carolina’s Top Home Warranty Companies

Providers
Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
B
$65–$76
$100–$125
Best Add-On Variety
A+
$49-$60
$65–$125
Best Budget Coverage
B-
$44–$48
$65–$75
Best for Systems Coverage
B
$59–$77
$75–$125
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$65–$76 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49-$60 $65–$125 A+ VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B- VISIT SITE
First American Home Warranty First American Home Warranty
$59–$77 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $65–$76
Service Fee $100–$125
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49-$60
Service Fee $65–$125
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B-
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $59–$77
Service Fee $75–$125
BBB Rating B
VISIT SITE

American Home Shield

Plans and Pricing

American Home Shield (AHS) is one of our top-recommended home warranty providers for North Carolina homeowners. We were impressed with its more than 50 years of industry experience, generous coverage caps (the total amount a company is willing to pay for a covered item), and comprehensive policies, including uncommonly covered items, such as your toilets, faucets, and unlimited AC refrigerant.

ShieldSilver ($29.99 to $44.99 per month): This plan covers your home systems, including your air conditioning unit, heating unit, ductwork, built-in exhaust fan, vent fan, attic fans, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets, valves, whirlpool tub motor and components, and water heaters. AHS pairs a $5,000 coverage limit per covered system.

ShieldGold ($39.99 to $54.99 per month): This plan includes all the covered items in ShieldSilver plus coverage for your refrigerator, range, cooktop, oven, dishwasher, built-in microwave, garbage disposal, instant hot/cold water dispenser, clothes washer, and clothes dryer. It covers up to $2,000 per covered appliance.

ShieldPlatinum ($59.99 to $74.99 per month): This plan covers all the items in ShieldGold plus limited roof coverage up to $1,500, a discounted HVAC tune-up, unlimited AC refrigerant, and up to $1,000 for code upgrades. In addition, it doubles its appliance limit to $4,000 per covered home appliance.

Learn More: American Home Shield Review


 

Liberty Home Guard

Plans and Pricing

Liberty Home Guard (LHG) offers three standard plan options. Appliance Guard covers appliances, such as your laundry machines and cooking equipment, and Systems Guard covers built-in systems, such as your air conditioning and heating units. Total Home Guard combines the coverage of the two earlier plans into one comprehensive package.

Unlike the flexible service call fee model AFC Home Club and AHS use, LHG assigns a service call fee between $65 and $125 based on your plan, add-on options, and location. You can compare LHG’s plan options below.

Appliance Guard ($69.99 per month): This plan covers home appliances, including your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling fans, exhaust fans, and garage door openers.

Systems Guard ($74.99 per month): This plan covers your home’s major systems, including air conditioning, heating system, ductwork, plumbing system, electrical system, and water heater.

Total Home Guard ($79.99 per month): This plan covers all the items in the Appliance and Systems Guard plans. 

Learn More: Liberty Home Guard Review


 

America’s 1st Choice Home Club

Plans and Pricing

America’s 1st Choice Home Club (AFC Home Club) is a worthwhile consideration for homeowners who prefer to have a variety of plans at their fingertips. AFC Home Club offers four plans, compared to the typical two or three plans offered by competitors. The Silver Plan covers appliances, such as your oven and garbage disposal, whereas the Systems Plan covers systems, such as your ductwork and water heater

The Gold and Platinum plans cover a combination of built-in systems and appliances. You can compare all the plan options below.

Silver Plan ($49.58 to $56.67 per month): This plan covers home appliances, such as your clothes washer, clothes dryer, refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.

Systems Plan ($60.25 to $67.33 per month): This plan covers your home’s major systems, including your water heater, air conditioning system, heating system, electrical system, plumbing system, and ductwork.

Gold Plan ($70.83 to $77.92 per month): This plan covers all the items in the Silver and Systems plans

Platinum Plan ($77.92 to $85 per month): This plan is AFC Home Club’s most comprehensive coverage option. It covers all the items in the Gold Plan plus plumbing stoppages, faucets, ice makers, and built-in microwaves.

Learn More: AFC Home Club Review


 

HomeServe

Plans and Pricing

HomeServe’s plan options vary considerably based on your location and utility service providers. As a result, the company will ask about your location and utilities when you request a quote. Compared to other providers, HomeServe’s coverage is highly specialized because of its relationship with utility providers, and you can select specific coverage for exactly what you need without the coverage bundles most providers offer.

Gas Line Plus ($4.99 per month): This plan covers your interior gas line, interior gas line restoration, exterior gas line, and exterior gas line restoration up to $8,000. 

Exterior Electrical Line Coverage ($5.49 per month): This plan covers your exterior electrical line up to $5,000. 

Water Heater Repair ($6.99 per month): This plan covers your water heater up to $850. 

Exterior Water Service Line Coverage ($7.95 per month): This plan covers your exterior water service line and exterior water service line restoration up to $7,000. 

Water Heater Repair and Replacement Plan ($8.99 per month): This plan covers water heater replacement and water repairs up to $1,500. 

Exterior Sewer/Septic Line Coverage ($12.98 per month): This plan covers your exterior sewer/septic line and exterior sewer/septic line restoration up to $10,000. 

Cooling System Coverage ($12.99 per month): This plan covers your air conditioning system up to $1,750. 

Heating System Coverage ($12.99 per month): This plan covers your heating system up to $1,750. 

Exterior Pipe Plan ($15.99 per month): This plan covers your exterior water service line, exterior water service line restoration, exterior sewer/septic line, and exterior sewer/septic line restoration.

Interior Plumbing and Drainage System Coverage ($18.99 per month): This plan covers your interior plumbing and interior drainage up to $3,000. 

Heating and Cooling Plan ($19.99 per month): This plan covers your cooling and heating systems up to $10,000. 

Home Plumbing and Drainage Coverage ($21.98 per month): This plan covers your exterior sewer/septic line, interior plumbing, interior drainage, and drain cleaning up to $12,000. 

Home Comfort Plan ($29.99 per month): This plan covers your interior gas line, exterior gas line, cooling system, heating system, and water heater repair up to $10,000. 

Complete Plumbing Plan ($41.99 per month): This plan covers your exterior water service line, exterior sewer/septic line, exterior sewer/septic line restoration, interior plumbing, interior drainage, drain cleaning, interior gas line, exterior gas line, and water heater repair up to $10,000. 

TotalHome Warranty Appliances ($48.33 per month): This plan covers your home appliances, including your refrigerator, clothes washer, clothes dryer, range, dishwasher, built-in microwave, trash compactor, and garage door opener. Each item is covered up to $1,500.

Interior Protection Plan ($55.99 per month): This plan covers your interior plumbing, interior drainage, interior gas line, exterior gas line, cooling system, heating system, and water heater repair up to $10,000. 

TotalHome Warranty Combo ($58.33 per month): This combo plan covers your home’s major systems and appliances, including your refrigerator, clothes washer, clothes dryer, range, dishwasher, built-in microwave, trash compactor, garage door opener, interior plumbing, interior electrical line, cooling system, heating system, water heater repair, heat pump, ductwork, garbage disposal, attic fans, ceiling fans, doorbell system, and central vacuum system. Each item is covered up to $1,500. 

Premium Home Protection Plan ($69.99 per month): This plan covers your exterior water service line, exterior sewer/septic line, interior plumbing, interior drainage, drain cleaning, interior gas line, exterior gas line, exterior electrical line, interior electrical line, cooling system, heating system, and water heater repairs up to $10,000. 

Learn More: HomeServe Review


 

Our Recommendation

Whether you live in Charlotte, Raleigh, or another of North Carolina’s desirable locales, a home protection plan can help you focus more on the things that matter and less on the tedious nature of home repairs and replacements. Though we can’t decide for you, we recommend American Home Shield for customers who don’t want to worry about coverage caps for their built-in systems or low coverage caps for appliances. AHS stipulates a $5,000 coverage limit on built-in systems and covers appliances up to $4,000 per item. 

AFC Home Club is an excellent choice for homeowners who travel a lot or own a second home because the workmanship guarantee is valid for the entire length of the plan, not the usual 30 days offered by its competitors. Liberty Home Guard is another great option for homeowners with unique coverage needs, thanks to its more than 35 add-on options, including uncommonly covered items such as floor cleaning and gutter cleaning.

In any case, we recommend that you request a quote from at least three providers. You should also take time to carefully compare the plan options, covered items, and service contracts from each provider’s quote.


 

Frequently Asked Questions

What does a home warranty cover in North Carolina?

A North Carolina home warranty will cover routine repairs and replacements for your home’s most-used appliances and built-in systems when they break down due to normal wear and tear. The home warranty companies featured in this article cover HVAC units, ductwork, plumbing, electrical, and major kitchen appliances.

Who regulates home warranty companies in North Carolina?

The North Carolina Department of Insurance does not currently regulate home warranty companies in the state, but customers can contact the Attorney General’s Consumer Protection Division if they have concerns about their service provider.

Where can I get a home warranty?

Homeowners, home buyers, and home sellers can purchase a home warranty at any time through a provider’s website, by phone, or through their real estate agent. However, you will typically have to wait 30 days from the warranty purchase date before you can file a claim for covered items.


 

How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.