Best Home Warranties in South Carolina

How much does a home warranty cost in South Carolina?

Based on quotes we received from 22 companies, a home warranty costs roughly between $30 and $90 per month, depending on coverage type.

The cost of your home warranty will depend on where you live in South Carolina, what type of home you have, the home warranty company you choose and the amount of coverage you need. That’s why it’s important to get multiple quotes and comparison-shop.

How to find the best home warranty coverage in South Carolina

Your first step in searching for a home warranty should be deciding what coverage you need. To assess your coverage needs, examine your home’s appliances and systems and consider how critical they are to you.

Replacing an air conditioner can cost thousands of dollars.

If parts of your home are aging or beginning to fail more often, it makes sense to ensure your home warranty plan covers those items. On the other hand, if you recently replaced systems or appliances in your home and they’re still under a manufacturer’s warranty, additional coverage for them probably shouldn’t be a priority.

You should also try to get coverage for the systems and appliances you wouldn’t want to go without. Since South Carolina winters are relatively mild, you may not need to rely on your heating system as much; however, Palmetto State summers may make your air conditioning system put in a lot of work. This means your cooling system is more likely to break down, and you probably don’t want to wait around while you save up to pay out of pocket.

Ultimately, think about your home’s most essential components and pick a home warranty plan that covers them.

What reviewers say about home warranties in South Carolina

On our site, reviewers’ firsthand experiences reveal what it’s really like to have a home warranty in South Carolina:

• Diligence pays off: While Timothy in Spartanburg found the company he worked with “reasonable and decent,” he warned, “But you have to be prepared to do some extensive follow-up with them.”

• The speed of technicians may be inconsistent: “Sometimes the contractors are fast, sometimes slow as crap.” — Lisa in Lugoff

• The best technicians are well acquainted with local challenges: “It was quick. It didn't take the tech long. I was amazed that he wasn't afraid to go up under the house with snakes.” — Denolis in Orangeburg

Home warranty regulations in South Carolina

South Carolina’s home warranty laws are more thorough than those in many other states. As a result of these laws, home warranty companies in South Carolina must:

• Register with the government.
• Meet certain guidelines for financial security.
• Write contracts in clear, understandable language.
• Disclose coverage limits and exclusions in your contract.
• Outline the process for making a claim in your contract.
• Allow you to cancel your contract up to 20 days after it was mailed to you or 10 days after signing.

If you have a dispute with your home warranty company, contact South Carolina’s Department of Insurance by phone or use the online SC DOI contact form.

Regulations for new construction

If your home was recently built, other South Carolina laws might also affect your search for a home warranty.

The South Carolina Homebuyers Protection and Warranty Act requires builders in the state to provide warranties for new construction. Plus, new systems and appliances usually have manufacturers’ warranties.

Check into these options before purchasing another warranty plan. There’s little benefit to having overlapping coverages. So, depending on your existing coverage, you might only need a few items covered by a specialty plan, or you might not want a home warranty at all.