Best overall
American Home Shield
3.6
110,727 reviews
- Plans available
- 3
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best Home Warranty Companies in South Carolina
- Best overall
American Home Shield3.6(110,727) - HVAC coverage
Old Republic Home Protection3.9(2,205) - Claims handling
Regency Total Warranty3.8(1,109)
By:
Sarah Maier
+2 more
Edited by:
Cassidy McCants
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in South Carolina
We found that American Home Shield is the best home warranty company in South Carolina, largely because of its generous HVAC limits and unlimited refrigerant coverage. South Carolina's sweltering summers mean your air conditioner works overtime, and a breakdown can be both uncomfortable and expensive.
While home warranty plans in the state typically range from $30 to $110 monthly, having the right protection can save you thousands when your cooling system or appliances need repair.
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- Our recommendations are based on what reviewers say.
- 4,879,673 reviews on ConsumerAffairs are verified.
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- Our moderators read all reviews to verify quality and helpfulness.
American Home Shield is our top recommendation for South Carolina homeowners due to its unlimited refrigerant and high liability limits for HVAC systems.
Jump to insightThe average home warranty cost is $69.51 in South Carolina, with quotes varying from $372 to $1,320 per year.
Jump to insightSouth Carolina has humid summers; it’s crucial to prioritize plans with robust AC coverage.
Jump to insightOur 4 home warranty company picks in South Carolina
- Best overall: American Home Shield
- Best HVAC coverage : Old Republic Home Protection
- Best claims handling: Regency Total Warranty
- Best for quick service: Choice Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in South Carolina. Read our guide to choose the best home warranty in South 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) | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.6
110,727 reviews
110,727 reviews
| Best overall | $29.99 | $100 or $125 |
 Old Republic Home Protection | Learn More | 3.9
2,205 reviews
2,205 reviews
| HVAC coverage | $50 | $100 or $125 |
 Regency Total Warranty | Learn More | 3.8
1,109 reviews
1,109 reviews
| Claims handling | $44.99 | $60 to $100 |
 Choice Home Warranty | Get a Quote | 4.0
75,201 reviews
75,201 reviews
| Quick service | $46.83 | $100 |
Our 4 South 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 South Carolina on ConsumerAffairs.
Best HVAC coverage
Old Republic Home Protection
3.9
2,205 reviews
- Plans available
- 3
- Monthly premium range
- $50 to $80
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Best claims handling
Regency Total Warranty
3.8
1,109 reviews
- Plans available
- 2
- Monthly premium range
- $44.99 to $49.99
- Service fees
- $60 to $100
- Labor guarantee
- None specified
Best for quick service
Choice Home Warranty
4.0
75,201 reviews
- Plans available
- 2
- Monthly premium range
- $46.83 to $54.75
- Service fees
- $100
- Labor guarantee
- 60 days
Home Warranties in South Carolina Buyers Guide
Jump into our guides and start learning
In this guide
Homeowners in South Carolina depend on their AC units for most of the year, leading to frequent breakdowns from overuse and high humidity. A home warranty offers a predictable way to handle these inevitable and costly repairs.
Ensure your air conditioning is covered in your plan.
Jump to insightIn South Carolina, the average home warranty runs about $69.51 per month, and annual premiums range from $372 to $1,320. Service fees are typically $75 to $150.
Jump to insightSouth Carolina has thorough regulations for home warranty companies, including a cancellation period requirement.
Jump to insight
How to choose a home warranty in South Carolina
To find the best home warranty in South Carolina, determine your needs, compare costs and review sample contracts and customer reviews. Here's how to approach your search:
1. Decide what coverage you need
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.
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.
Ultimately, think about your home's most essential components and pick a home warranty plan that covers them.
2. Compare costs
Don't just pick the cheapest plan. Total value matters, so check monthly premiums, service fees and coverage caps. Service call fees typically range from $75 to $125 each visit. These can add up if you file multiple claims.
When comparing costs in South Carolina, prioritize the plan that offers the best AC coverage for the money. A low-cost plan with a minimal payout for HVAC repairs offers false savings in a state where your AC is your home's hardest-working system.
Assess the limits for each covered item and the cost of any add-ons you need, such as roof leak or pool coverage.
3. Review sample contracts
Always read sample contracts to make sure you understand exclusions and requirements. Look for details on waiting periods, the claims process and annual payout caps.
Read the contract's maintenance requirements for your HVAC system. In a humid climate, providers will expect you to keep drain lines clear and change filters regularly. If you live on the coast, check for a corrosion exclusion clause.
Also, keep an eye out for what exactly is covered. Glen in Columbia was disappointed to learn that his coverage didn't cover everything he thought it did. "When something happened to the compressor in our AC, they covered the parts but we still had to pay for the labor."
4. Read customer reviews
Check feedback from South Carolinians and Southeast coastal homeowners. Look for patterns in complaints or praise about summer AC service, dispatch speed and technician quality.
Search for reviews from other South Carolinians or residents of the coastal Southeast. Pay close attention to feedback on summer service calls for AC units.
For example, Carl in Bonneau told us about his poor experience trying to get an AC unit repaired. "They kept telling me, 'You're gonna have to wait.' 90 degrees, I can't wait. I live in South Carolina. It's not like I live in Pennsylvania."
» MORE: How to pick your home warranty
How much does a home warranty cost in South Carolina?
A home warranty in South Carolina costs $69.51 per month on average. Home warranty premiums generally range from $30.99 to $109.99 per month, depending on the plan. The average cost of a home warranty in South Carolina is 2.7% higher than the national average.
Cost range by home warranty provider
| Provider | Monthly premium range* | Service call fee |
|---|---|---|
 | $49.99 to $109.99 | $100 or $125 |
 | $44.99 to $49.99 | $60 to $100 |
 | $50 to $80 | $100 or $125 |
 | $46.83 to $54.75 | $100 |
*Data updated January 2026
Monthly or annual premiums
Most providers allow you to pay monthly to help spread expenses out, or annually for a discount. The total you'll pay will depend on the plan you select and any additional options you add.
Service call fees
With each claim, you'll pay a service call fee. This is comparable to a per-claim deductible for the technician's visit and diagnosis. Service fees usually cost between $75 and $150, depending on your provider and plan.
Add-on coverage
Many home warranty companies offer add-ons for specific items like pools or well pumps. Expect to pay $2 to $25 per month for each add-on you select.
Other home warranty cost factors
Prices can vary significantly by home size, level of coverage, geographic location, and eligibility for discounts.
- Home size and type: Large homes often need more coverage, leading to higher premiums. Condo owners may pay less.
- Level of coverage: Cheaper home warranty plans usually mean less protection. Comprehensive combo plans cost more.
- Location: Home warranty prices in South Carolina are primarily influenced by the long, demanding cooling season and the high number of AC-related claims.
- Discounts: Multiyear contracts, annual payments and seasonal offers can help lower your price.
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 South Carolina home warranty cover?
Home warranty plans in South Carolina are available in three main types: appliance-only plans, system-only plans and combo plans.
- Appliance plans typically protect major kitchen and laundry appliances.
- Systems plans cover home infrastructure like heating, plumbing, electrical, water heaters and ductwork, which are vital for comfort and safety.
- Combo plans combine both, protecting your most important systems and appliances under one policy. They also usually have higher coverage caps.
Add-on coverage is available for specialty items. Septic system protection is crucial for many suburban and rural homes. Pool coverage is also very popular. For coastal residents, a plan that doesn't exclude salt air corrosion is valuable.
Reviewers' experience filing home warranty claims in South Carolina
- Mimi in Columbia has stuck with Choice for years because it helps manage a house full of mixed-age appliances. She admitted the monthly fee makes her pause, but said, “Sometimes they take care of the repairs without an issue.” When something’s too old to fix, gift cards help soften the blow.
Key takeaway: While monthly costs can sting, the repairs or gift cards really pay off
- Jason in Greenville filed an AC claim when the unit quit. “While the communication leading up to the repair could have been better… When they eventually came, they fixed the problem efficiently.” Since the weather was cooling, the wait felt easier, and the quick fix made the outcome feel worth it.
Key takeaway: While you may be getting slow updates, the repair can still be quick
- Amanda in Boiling Springs expected peace of mind, not a reimbursement chase. She warned, "You have to do all the legwork for your repair" and pay upfront, then wait. Her check sat in the “mail center” with a 6 to 8 week timeline, while she also had to hunt down her own technicians.
Key takeaway: You may wait weeks for reimbursement and have to source your own techs
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.
FAQ
How does a home warranty work?
A home warranty is a service contract for home systems and appliances. You pay a monthly or yearly premium for coverage. When something breaks, you file a claim and pay a service fee. The warranty company sends a contractor and pays them to fix it. If it can’t be fixed, the company helps pay for a replacement. Coverage depends on the plan, and limits apply.
Is a home warranty worth it in South Carolina?
A home warranty can be worth it in South Carolina, but it depends on your personal circumstances.
If you don’t think you could handle the cost of fixing a major home appliance or system, a home warranty might be a worthwhile investment. A home warranty can even save you a lot of money in the long run if you end up needing significant repairs or a full replacement.
Many homeowners simply enjoy the peace of mind a home warranty provides. However, if nothing goes wrong in your home, your home warranty may be of little use, and small repairs may not be enough to offset what you’ll spend on monthly payments and service fees. Think about your financial situation and risk level to decide if a home warranty is right for you.
What does a home warranty not cover?
Most home warranty contracts exclude preexisting conditions, improper installation, cosmetic damage and items still under a manufacturer’s warranty. Routine maintenance, landscaping and structural elements like walls or windows are also not covered.
A home warranty in South Carolina will not cover damage from storm surge or flooding, which is a key risk for the state's Lowcountry and coastal areas. This is covered by separate flood insurance.
Coverage limits also apply. For example, your plan might cap an HVAC repair at $1,500 while the job costs $2,250. After your service fee, you’d still owe $750 out of pocket.
Can I transfer my home warranty?
Yes, in many cases, you can transfer your home warranty to a second owner. This can actually be a selling point for a potential homebuyer.
How long do home warranties last?
Home warranty contracts are typically a year long, but some companies offer discounts when you purchase a multiyear plan. Shorter-term contracts are also available, and you may be able to get a plan that’s functionally a month-to-month commitment if the provider has a lenient cancellation policy.
Methodology
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in South Carolina, then evaluated which performed best for local residents.
Here's how we scored each company:
- HVAC coverage and caps (40%): South 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.
- Local satisfaction rate (35%): Reviews from real customers in South Carolina are worth more than a company's nationwide reputation. If a company has a poor technician network locally or frequently denies South Carolina homeowners' most frequent complaints, we capture that in our review analysis.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in South Carolina. We also considered the lowest service fees each company offers.
- 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
- 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.
Note: Each superlative emphasizes certain factors more than others. 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.
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:
- South Carolina Legislature, “CHAPTER 78 - Service Contracts.” Accessed Jan. 27, 2026.
- South Carolina Department of Insurance, “Service Contract Provider Q & A.” Accessed Jan. 27, 2026.
- South Carolina Legislature, “Bill 470.” Accessed Jan. 27, 2026.
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Compare top South Carolina home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
American Home Shield
| 3.6
110,727 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 |
|
Old Republic Home Protection
| 3.9
2,205 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 |
|
Regency Total Warranty
| 3.8
1,109 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 |
|
Choice Home Warranty
| 4.0
75,201 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 |
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
1,670 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
| 4.4
570 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
2,878 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
| 4.2
12,412 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 |
First American Home Warranty
| 4.1
8,971 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 |
Select Home Warranty
| 3.8
16,349 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 |
Achosa Home Warranty
| 1.9
9 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
2,100 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 |
First Premier Home Warranty
| 1.7
652 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 |
GE Service Contracts
| 1.3
346 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 |
ServicePlus Home Warranty
| 1.3
1,958 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 |
Super
| 1.3
434 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 |
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
444 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
6,746 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
4,037 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
321 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 |
The Home Service Club
| 1.2
819 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 |
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 |
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 |
AHW Home Warranty
| 1.0
384 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
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