Best home warranties in North Carolina

We compared 13 companies and chose the top home warranty providers

    • Choice Home Warranty
      4.0(66,759)
    • American Home Shield
      3.9(104,451)
    +1 more

    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. To help, 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 editor’s top picks

    1. Our pick for Quick service: Choice Home Warranty
    2. Our pick for Value: American Home Shield
    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
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    • Our moderators read all reviews to verify quality and helpfulness.

    2 best home warranty companies in North Carolina, reviewed

    Home warranties can help cover the costs of unexpected breakdowns of your major systems and appliances. Our research team has analyzed 26 different 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.

    Buyers Choice Award Finalist
    Choice Home Warranty
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83

    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.

    Annie from Fayetteville said about her experience, “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.”

    Some customers mention poor customer service and difficulty reaching representatives.

    2024 Buyers Choice Award Winner
    American Home Shield
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99

    American Home Shield offers three home warranty plans. It’s available in 48 states (not Alaska, Hawaii or New York City), 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.

    From James from Goldsboro: “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 from Hope Mills said, “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.”

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

    5x Award Winner
    Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price

    Home Warranties in North Carolina Buyers guide

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      Do you need a home warranty company in North Carolina?

      Residents of North Carolina are attracted by the 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?

      In North Carolina, home warranties are regulated by the North Carolina Department of Justice. This department ensures that companies offering home warranties operate fairly and lawfully.

      North Carolina’s home warranty regulations are designed to protect consumers from abusive practices and ensure that warranty providers follow specific standards. The NCDOJ 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

      How much does a home warranty cost?

      While the national average for a home warranty ranges from $450 to $600 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.

      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

      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 26 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 Oct. 17, 2024.

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