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Due to the hot and humid weather during South Carolina’s summer months, homeowners may be interested in a home warranty to safeguard their air conditioning, home appliances, and other systems. Home warranty providers charge a monthly or annual fee to cover your most used systems and appliances and connect you with vetted service providers. Our team analyzed the best home warranty companies nationwide and chose the top South Carolina providers.
The Top 5 Home Warranty Companies in South Carolina
Based on our in-depth review standards, we scored the home warranty providers below on coverage options, limits, pricing, and service reputability. Here is our list of the top South Carolina home warranty companies:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- America’s 1st Choice Home Club : Best Membership Perks
- First American Home Warranty : Best for Home Systems Coverage
The cost data displayed in this article is a national average based on the 120 sample quotes we requested across the country for monthly home warranty premiums. Your cost may vary based on your home’s size and type, location, and coverage selections.
Compare South Carolina’s Top Home Warranty Companies
|Star Rating||Monthly Cost||Service Fee||BBB Rating||Link|
|American Home Shield||$65–$76||$100–$125||B||VISIT SITE|
|Liberty Home Guard||$49-$60||$65–$125||A+||VISIT SITE|
|Select Home Warranty||$44–$48||$65–$75||B-||VISIT SITE|
|First American Home Warranty||$59–$77||$75–$125||B||VISIT SITE|
|American Home Shield|
|Liberty Home Guard|
|Select Home Warranty|
Home Warranty Regulations in South Carolina
South Carolina’s Department of Insurance (DOI) oversees home warranty companies. South Carolina Statute §§ 38-78-10 sets requirements that providers must follow before selling coverage plans in the state. For example, providers must maintain financial responsibilities such as a funded reserve account. The account ensures providers can meet all consumer claims.
If you own a home warranty and believe your provider has neglected its contractual obligations, you can file a complaint with the DOI.
Additionally, home warranties self-regulate. The National Home Service Contract Association (NHSCA) is a nonprofit industry organization that oversees member companies. The NHSCA established a code of ethics that ensures providers comply with fair business practices.
Common Home Warranty Questions
Due to their complexity, home warranties leave many homeowners needing clarification. The most common questions centered around home warranty plans include the following:
- What do home warranties cover?
- What are coverage limits?
- How do providers process claims?
Each home warranty company provides unique offerings. Before choosing a provider, we recommend contacting at least three providers to seek clarification on areas you don’t understand.
Whether you need basic coverage for your HVAC systems or a comprehensive plan, there’s a home warranty provider that can suit your needs. Liberty Home Guard is our top pick for homeowners who want specific coverage. American Home Shield provides generous coverage limits for those who own many systems and appliances. First American Home Warranty offers the most comprehensive basic plan.
We recommend reading multiple providers’ sample contracts to compare coverage terms, exclusions, and limitations.
South Carolina Home Warranty Companies FAQ
How much does a home warranty cost in South Carolina?
Based on our cost data, a home warranty policy in South Carolina costs an average of $498 to $750 annually. Your monthly premium will vary depending on which provider you choose, your home’s location, and your selected plan.
What does a home warranty not cover?
Home warranties typically don’t cover routine maintenance, appliance removal and disposal fees, or commercial property. We recommend reading your provider’s sample contract to determine what it covers or doesn’t cover in your policy.
How often do I have to pay my service call fee?
Typically, you have to pay your provider’s service call fee each time you file a new claim. However, reputable providers won’t charge an extra service call fee if you have issues with your completed repair within 30 days. Some providers extend their repair guarantee past the industry standard of 30 days.
What should I look for when buying a home warranty?
When buying a home warranty, you should look for three main factors: cost, coverage options, and exclusions. Every homeowner’s situation is different. Consider your budget, coverage needs, and any notable coverage exclusions before selecting a home warranty provider.
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.