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Best Home Warranties in North Carolina

We compared 33 companies and chose the top home warranty providers

    • Choice Home Warranty
      4.0(72,751)
    • American Home Shield
      3.7(108,786)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in North Carolina

    If you live in North Carolina and want a home warranty, it’s important to compare your options so you can get the best deal for the right coverage. The good news is that we’ve done this work for you — our top picks for the Tar Heel State are Choice Home Warranty and American Home Shield.

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    Our top 2 home warranty picks in North Carolina

    1. Quick service: Choice Home Warranty
    2. Value: American Home Shield

    We compared top home warranty companies on ratings and reviews, price, coverage options, availability and other factors to choose our top picks for North Carolina.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

    Our research team has analyzed today’s top home warranty companies to find the best coverage for you. By comparing customer ratings and reviews, coverage limits, prices and available plans, our team chose two companies that offer the best plans for your money.

    Quick service

    Choice Home Warranty

    Choice Home Warranty
    4.0
    72,751 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Get a Quote Read Reviews

    Choice Home Warranty provides coverage in 49 states (not Washington), including North Carolina. It offers two plans as of publishing, with coverage for up to 18 appliances and systems combined.

    Reviewers on ConsumerAffairs generally have positive experiences with Choice Home Warranty. They appreciate the quick and easy service and mention technicians being sent out promptly to address their claims.

    “When filing a claim, the turnaround is very quick. I received an email within a few minutes after filing the claims advising it was being reviewed and a follow-up email should be received. I was so excited to receive such prompt service. The quick action makes you feel important and that as a customer you matters. Hassle free. Just love it.”
    Annie Fayetteville, NC

    Some customers mention poor customer service and difficulty reaching representatives.

    Value

    American Home Shield

    American Home Shield
    3.7
    108,786 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Get a Quote Read Reviews

    American Home Shield offers three home warranty plans. It’s available in 48 states, including North Carolina. If you opt for combined coverage, up to 24 of your appliances and systems will be covered.

    Customers often say they appreciate the quick and professional service provided by the technicians, who are able to diagnose and fix issues with appliances and systems in a timely manner.

    “American Home Shield has been keeping up my other appliances good. If I have a choice of leaving them to go to someone else, I would stay with them and recommend them to others instead.”
    James Goldsboro, NC
    “I like AHS because whatever we say is wrong, they'd send someone out and get it done. All the techs that they've sent out so far are real good and very professional.”
    James Hope Mills, NC

    Some reviewers say they were displeased with the customer service team.

    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process

    Home Warranties in North Carolina Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Choice Home Warranty logo
    American Home Shield logo
    See our top picks

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    Compare plans tailored to your home & budget.

      North Carolina home warranty buyers guide

      Home warranties can help cover the costs of unexpected breakdowns of your major systems and appliances. If this type of coverage interests you, take the time to learn about how these contracts operate and determine what kind of plan you need — then you can find the perfect fit for your home.

      » OUR TOP PICKS IN THE U.S.: Best home warranties

      Key insights

      The average cost of a home warranty is between $30 and $90 per month, depending on the level of coverage and company.

      Jump to insight

      Given North Carolina's humid climate, it might be smart to prioritize HVAC coverage.

      Jump to insight

      In North Carolina, home warranties are regulated by the North Carolina Department of Justice.

      Jump to insight

      Home warranty costs in North Carolina

      While the national average cost for a home warranty ranges from $350 to $900 per year as of publishing, these costs can vary. Factors like your location in North Carolina, the specific company and plan you choose, and the availability of discounts (like for bundling or purchasing multiple years of coverage) all play a role in the final cost.

      How to choose a home warranty in North Carolina

      North Carolina's climate, with its hot summers and coastal humidity, can take a toll on home systems like air conditioning. For this reason, it's smart to prioritize coverage that addresses HVAC issues.

      Consider what appliances and systems are most important to protect, and think about the age of your home and its components — older items are more susceptible to breakdowns.

      Look at customer reviews and compare monthly or annual costs and service fees. You'll want a reliable, affordable company that responds quickly and handles claims efficiently when needed.

      Do you need a home warranty company in North Carolina?

      North Carolina attracts residents with its numerous beaches and national forests. However, the humid climate and hot summers can damage your air conditioning unit. If you live near the coastline, the salty air mixed with the humidity can also lead to rust or corrosion. This can greatly reduce the life span of your systems and appliances and cost you hundreds to thousands in repair fees.

      Most home warranty companies in North Carolina cover a wide array of systems, such as air conditioning units, but coverage varies from company to company. Home warranties also have varying contract lengths, exclusions, coverage caps and price ranges, so it's important to compare plans before making a final decision.

      How are home warranties regulated in North Carolina?

      The North Carolina Department of Justice conducts regular audits and investigations to ensure home warranty companies follow state laws and regulations. If a company is found to be in violation, the department can impose penalties such as fines and license revocation.

      The state requires that all home warranty contracts clearly outline the terms, including what’s covered, exclusions, the length of the coverage and how to file claims. The NCDOJ also requires that warranty providers offer prorated refunds with a maximum of a 10% administrative fee.

      Attorney General Josh Stein also provides helpful tips on the Department of Justice website for buying a home warranty, filing a claim and taking legal action against a warranty company.

      FAQ

      Is a home warranty worth it in North Carolina?

      A home warranty can give you peace of mind, especially if the cost of unexpected repairs or replacements of major appliances and systems would strain your budget. The decision to purchase this type of coverage depends on factors like your financial situation, the age and condition of your home's appliances and systems and your personal risk tolerance.

      » MORE: Is a home warranty worth it?

      What’s the difference between a home warranty and homeowners insurance?

      Home warranties and home insurance policies are two distinct forms of protection. Homeowners insurance is required by mortgage lenders and covers damage to your home and belongings due to events like fires, storms or theft.

      A home warranty, on the other hand, is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear.

      » COMPARE: Home warranty vs. home insurance

      Can I transfer my home warranty?

      Yes, home warranty coverage is usually transferable to a second owner. A home warranty policy can actually be a nice bonus for the buyer if you’re selling your home.

      Methodology

      ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

      To choose the top home warranty companies in North Carolina, we started with the popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in North Carolina. We then weighted several key features to get our final rankings:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offered multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money by not paying for coverage you don’t need. We checked to see what customization options each company offered, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the coverage selected, but we confirmed our top picks’ prices were competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks were in line with industry standards.
      Guide sources

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:

      1. North Carolina Department of Justice, “NCDOJ.” Accessed May 16, 2025.

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