Best overall
Old Republic Home Protection
3.9
2,182 reviews
- Plans available
- Basic, Deluxe and Elite
- Monthly premium range
- $50 to $80
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Best Home Warranty Companies in North Carolina
- Best overall
Old Republic Home Protection3.9(2,182) - Claims handling
American Home Shield3.7(110,345) - HVAC coverage
First American Home Warranty4.0(8,943)
By:
Alina Bradford
+2 more
Edited by:
Cassidy McCants
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in North Carolina
Old Republic Home Protection is the best home warranty company in North Carolina, thanks to robust HVAC protection and positive feedback from local customers. When an AC system fails in peak heat, repair and replacement costs can add up quickly — and a home warranty can help limit the financial hit.
Home warranties can also help with everyday essentials like refrigerators, dishwashers and ovens. In North Carolina, plans typically run from $27.99 to $91.66 per month.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,860,171 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Old Republic Home Protection stands out in North Carolina for higher HVAC limits and (on certain plans) refrigerant coverage that can help in a climate where cooling systems work hard for months at a time.
Jump to insightIn North Carolina, home warranties average about $60 per month, with typical plan pricing ranging from $335 to $1,100 annually, depending on coverage level.
Jump to insightWith North Carolina's heat, it's smart to prioritize plans that don't skimp on HVAC coverage limits and key cooling-system components.
Jump to insightOur 4 home warranty company picks in North Carolina
- Best overall: Old Republic Home Protection
- Best claims handling: American Home Shield
- Best HVAC coverage: First American Home Warranty
- Best technicians: Regency Total Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in North Carolina. Read our guide to choose the best home warranty in North Carolina for you by comparing plans, contract lengths and service fees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
Compare home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 Old Republic Home Protection | Learn More | 3.9
2,182 reviews
2,182 reviews
| Best overall | $50 | $100 or $125 |
 American Home Shield | Get a Quote | 3.7
110,345 reviews
110,345 reviews
| Claims handling | $29.99 | $100 or $125 |
 First American Home Warranty | Get a Quote | 4.0
8,943 reviews
8,943 reviews
| HVAC coverage | $42 | $100 or $125 |
 Regency Total Warranty | Learn More | 3.9
1,097 reviews
1,097 reviews
| Technicians | $44.99 | $60 to $100 |
Our 4 North Carolina home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in North Carolina on ConsumerAffairs.
Best claims handling
American Home Shield
3.7
110,345 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best HVAC coverage
First American Home Warranty
4.0
8,943 reviews
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Best technicians
Regency Total Warranty
3.9
1,097 reviews
- Plans available
- 2
- Monthly premium range
- $44.99 to $49.99
- Service fees
- $60 to $100
- Labor guarantee
- Unclear
Methodology: How we found the best home warranty companies in North Carolina
The ConsumerAffairs Research Team evaluated home warranty providers available in North Carolina using a structured scoring model. We assessed several metrics across five core areas, prioritizing what matters most to local residents.
1. HVAC coverage and caps (40%)
North Carolina’s hot, humid weather makes HVAC issues more common and urgent. We scored companies with high annual caps for HVAC ($5,000 or higher) and unlimited refrigerant coverage much higher than those with lower caps ($3,000 or lower) and caps on refrigerant of $10 to $20 per pound.
2. Local satisfaction rate (35%)
Reviews from real customers in North Carolina are worth more than a company’s nationwide reputation. If a company has a poor technician network locally or frequently denies North Carolina homeowners’ most frequent complaints, we capture that in our review analysis.
3. Cost (10%)
To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in North Carolina. We also considered the lowest service fees each company offers.
4. National satisfaction rate (10%)
To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
5. Additional benefits (5%)
We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
How scoring works
Companies earned a 0 to 10 score for every metric:
- The top-performing company for a given metric earned a 10.
- Other companies were scored relative to that leader.
This standardized system lets us compare local satisfaction data, pricing and plan features on the same scale.
How winners were determined
Award categories apply different weightings depending on what the designation highlights. For example, the “Best value” superlative weights cost at 20%, while “Best claims handling” gives more weight to reviews that mention the claims process and customer service.
The company with the highest weighted score in each category earned the corresponding “Our pick for” designation. If a company ranked first in multiple categories, we awarded the designation to the next-highest scoring company in that category to highlight a broader group of top performers.
Home Warranties in North Carolina Buyers Guide
Jump into our guides and start learning
In this guide
North Carolina's mix of coastal and mountain regions creates diverse repair challenges. The state has significant variation in climate and housing types, from older homes in rural areas to rapidly developing suburbs. High humidity, occasional freezes and severe weather events drive frequent homeowner claims. We'll walk you through finding the right plan.
North Carolina homeowners should prioritize HVAC coverage.
Jump to insightThe average monthly cost in North Carolina is $60.00. Annual costs typically fall between $335 and $1,100. You will likely pay a service fee of $75 to $150 per claim.
Jump to insightHow to choose a home warranty in North Carolina
To choose the best home warranty in North Carolina, start by assessing your household's unique coverage needs, then compare what different companies offer. This includes plan details, price quotes, sample contracts and authentic customer reviews. Use these four steps to make a confident choice:
1. Decide what coverage you need
Begin by identifying whether you want coverage for appliances, major systems or both. If your heating and cooling equipment or plumbing is newer, but you have older laundry or kitchen appliances, an appliance-focused plan could be right. If newer appliances are already covered, but your HVAC system is aging, focus on a systems plan.
Many North Carolina homeowners find combination plans most effective because they address the broadest range of potential repairs.
2. Compare costs
Weigh more than just the monthly premium. Factor in the total yearly cost, including service fees (typically $75 to $150 per call), since these can add up. Review the cost of add-ons such as roof leak or well pump coverage, as well as payout limits.
Companies only pay a portion of the repair or replacement bill if it exceeds a certain amount. These caps have a serious impact on a plan's overall value.
3. Review sample contracts
Providers usually publish sample contracts online. These documents explain what's included and excluded, waiting periods and the claims process.
When reviewing contracts, pay attention to flood and water damage exclusions. Almost all plans exclude damage from hurricanes or severe weather events. Check whether coverage includes septic systems if you're in a rural area, and verify HVAC coverage limits for both heating and cooling.
4. Read customer reviews
Customer reviews show what it's really like to work with a company. Watch for consistent feedback on claim approval speed, technician arrival times and transparency around pricing.
Look for North Carolina reviews that mention storm damage claims and water damage handling. Pay attention to response times in rural mountain and coastal areas. Reviewers in developed suburbs often report faster service than in rural regions.
Mark in Elizabeth City noted his HVAC failed during a winter storm, but still received fast service despite the issue occurring over the weekend. "I didn't expect to hear from anybody till Tuesday, but with RK Heating and Cooling contacted us the next day."
Positive feedback often points to smooth claims and responsive support, while negative comments may reflect claim denials or unexpected costs.
» MORE: How to buy a home warranty
How much does a home warranty cost in North Carolina?
A home warranty in North Carolina costs $60 per month on average. A home warranty typically costs $27.99 to $91.66 per month in the Tar Heel State, depending on the plan. The average cost of a home warranty in North Carolina is 11.3% lower than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in North Carolina for a three-bed, two-bath home in Charlotte.
| Company | Monthly premium range* | Service call fee | |
|---|---|---|---|
Old Republic Home Protection | Learn More | $50 to $80 | $100 or $125 |
American Home Shield | Get a Quote | $29.99 to $89.99 | $100 or $125 |
First American Home Warranty | Get a Quote | $37 to $72 | $100 or $125 |
Regency Total Warranty | Learn More | $44.99 to $49.99 | $60 to $100 |
*Data updated January 2026
Monthly or annual premiums
Most home warranty companies let you pay monthly or annually. Paying monthly helps spread costs, while annual payments often come with a discount. Your rate depends on which provider and plan you select.
Service call fees
Every service request comes with a service call fee (similar to a per-claim deductible), usually between $75 and $150 per visit.
Add-on coverage
The best home warranty companies let you personalize your coverage with add-ons like roof leak repair, sump pump, well pump or pool and spa protection. Add-ons are typically $2 to $25 per month each.
Other home warranty cost factors
What you pay varies with:
- Home size and type: Larger homes need broader protection and have higher premiums. If you own a condo, you'll likely pay less.
- Level of coverage: Lower-cost home warranty plans cover fewer items, while comprehensive combo plans are more expensive.
- Location: North Carolina's climate and regional variation may affect warranty costs. Coastal and flood-prone properties could face higher premiums.
- Discounts: Look for deals — many companies run seasonal promos, loyalty discounts or reduced rates for multiyear contracts.
Example: total annual home warranty costs
- Appliances and cooling plan ($45 per month): $540 per year
- Add-on for pool equipment ($18 per month): $216 per year
- Two claims ($80 service fee): $160
- Total: $916 per year
What does a North Carolina home warranty cover?
Home warranty plans in North Carolina usually come as appliance plans, systems plans or combination (combo) plans.
- Appliance plans protect large appliances, such as refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
- Systems plans cover major home systems — heating, plumbing, electrical, water heaters and ductwork.
- Combo plans include both appliances and systems for the widest protection. They also often come with higher payout limits.
Most providers also offer add-ons. In North Carolina, consider add-ons for roof leak repair, sump pump coverage and well pump protection in rural areas.
» LEARN: What can void a home warranty
Reviewers' experience filing home warranty claims in North Carolina
- Robert in Newport finally stopped debating and signed up for a home warranty. He said he likes the predictable monthly cost and added, “I feel that the coverage is great ... Overall, no complaints.” For him, it checked the boxes, and he’s ready if a surprise breakdown ever shows up.
Key takeaway: A home warranty can deliver peace of mind
- Christi in Charlotte thought the fix would be quick, but the claim took time and extra steps. “Multiple technicians from different companies were tasked with diagnosing whether or not my water heater needed to be replaced or repaired ... The whole process took almost 2 weeks.” In the end, her replacement was finally approved.
Key takeaway: While the claims process can stall, approval can still come through
- Greg in Charlotte thought the online form would be the hard part, but the real headache came after. “The first claim was a repair on a Whirlpool dryer that took 2 initial assessments ... and 3 services calls ... It took about a month to get the repair made,” he said. Then his oven claim was denied for “not covered” parts, leaving him stuck.
Key takeaway: Claims can drag on, and tech delays and denials pile up fast.
How much can you save with a North Carolina home warranty?
Your savings depend on what breaks and how often. Even one major repair can make a home warranty pay for itself.
The Consumer Financial Protection Bureau suggests setting aside 1% to 3% of your home's value annually for maintenance and repairs — much more than the $700 to $1,200 spent on a home warranty plus service fees.
Even one major repair, like a well pump replacement in a rural North Carolina home or roof damage, can make a home warranty pay for itself.
Average repair/replacement costs for covered items
North Carolina's humid climate creates frequent HVAC strain and water damage, and coastal hurricanes and inland storms increase roof and plumbing claims. Mountain properties also face their own challenges with older housing and freeze cycles. Here's what common repairs cost in North Carolina without coverage.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Roof leak repair | $360 to $1,550 | $5,800 to $12,800+ | Add-on ($7 to $12 more per month) |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
North Carolina home warranty insights from customer reviews
An analysis of 729 ConsumerAffairs reviews from North Carolina customers reveals highly divided opinions. While most customers (55%) report 5-star experiences, nearly one in five (19%) leave 1-star reviews. The remaining 25% fall in the middle.
This divide is often driven by claim outcomes. Here’s what the data shows over a one-year period:
- Approvals vs. denials: When customers specified an outcome in their review, 68% of claims were approved.
- Repair claims vs. replacement claims: The vast majority of filings are for repairs (80%), which are approved 70% of the time. In contrast, replacement claims (20% of filings) are approved at a lower rate of 60%.
- Market share: Choice Home Warranty accounts for 51% of all in-state reviews. American Home Shield (24%) and Select Home Warranty (10%) are the second and third-most popular providers in North Carolina.
FAQ
How do home warranties work?
A home warranty is a service contract that covers certain household systems and appliances. You pay a monthly or yearly fee and a service fee per repair request. When something breaks, you submit a claim, and the company sends a contractor to handle the repair. If it can’t be fixed, your warranty company contributes toward a replacement.
Is a home warranty worth it in North Carolina?
A home warranty can be beneficial if you want to avoid unexpected repair or replacement bills. For many North Carolina residents, the main benefit is peace of mind that a major issue with HVAC, plumbing or appliances won’t lead to a sudden large expense.
A home warranty can be worthwhile in North Carolina if you own an older rural home, live in a flood-prone area or rely on septic systems. Major HVAC or plumbing failures can exceed $2,500.
What doesn’t a home warranty typically include?
Most home warranty plans don’t cover preexisting problems, cosmetic issues, improper installation or anything still under a manufacturer’s warranty. Routine maintenance, landscaping, flood damage, septic systems and wells are generally not included, but may be available as an add-on.
Coverage also has limits. For example, your HVAC coverage may max out at $2,500 per year. If your air conditioning compressor fails and the repair costs $3,200, you'll have to pay $700 out of pocket, on top of your service fee.
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.
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
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:
- North Carolina Department of Justice, “NCDOJ.” Accessed Feb. 6, 2026.
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Compare Top North Carolina Home Warranty Companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Old Republic Home Protection
| 3.9
2,182 reviews
| Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state but expect to pay around $600 to $700 per year for Platinum coverage. Deductible averages $75. | Read reviews |
|
American Home Shield
| 3.7
110,345 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
|
First American Home Warranty
| 4.0
8,943 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
|
Regency Total Warranty
| 3.9
1,097 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
Prestige Home Guard
| 4.6
9 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
Liberty Home Guard
| 4.5
1,566 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
HomeSafe
| 4.3
520 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
ARW Home
| 4.4
2,842 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
Cinch Home Services
| 4.1
12,354 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Read reviews |
Choice Home Warranty
| 4.0
74,727 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
Select Home Warranty
| 3.6
16,178 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
First Premier Home Warranty
| 1.8
641 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
Achosa Home Warranty
| 2.0
8 reviews
| Established in 2018. Serves 26 states. Coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee. Allows customers to choose their own licensed contractor. | Read reviews |
HomeServe
| 1.6
2,088 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
ServicePlus Home Warranty
| 1.3
1,954 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
GE Service Contracts
| 1.3
340 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
America's Preferred Home Warranty
| 1.4
14 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
Sears Home Services
| 1.1
424 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.2
6,741 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
Home Warranty of America
| 1.0
4,033 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
HSA Home Warranty
| 1.0
320 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
Super
| 1.0
430 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
AFC Home Warranty
| 1.0
2,280 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
The Home Service Club
| 1.0
818 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
American Home Protect
| 1.0
136 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
Frontdoor
| 1.0
26 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
Home Warranty Inc
| 1.0
18 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Global Home USA
| 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Complete Protection Home Warranty
| No reviews | Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.1
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
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