Best Home Warranty Companies 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.

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

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. 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

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.

» MORE: What to do when your home warranty claim is denied

Coastal weather, hurricane threats, flood risks and heavy AC usage create additional considerations for South Carolina homeowners when comparing home warranty plans.

When it comes to hurricane damage, it’s important to understand that home warranties cover breakdowns caused by normal wear and tear, not damage caused by storms or natural disasters. Home warranties also don’t cover damage caused by flooding, storm surge or groundwater intrusion. In South Carolina, hurricanes and tropical storms can damage HVAC systems, electrical components and appliances through flooding, power surges or wind-related impacts.

If your AC unit stops working because of storm damage or flooding, your home warranty provider will likely deny the claim. These events are generally covered under homeowners insurance or separate flood insurance policies instead.

Coastal corrosion issues are another thing to consider when it comes to home warranty coverage in South Carolina. Salt air can speed up corrosion on HVAC systems, especially for homeowners living near the coast in places like Charleston, Myrtle Beach and Hilton Head. Over time, salty and humid conditions may damage coils, electrical components and outdoor AC units.

Some home warranty companies exclude damage caused by rust or corrosion, while others offer more comprehensive HVAC protection. Before signing a contract, coastal homeowners should check whether the provider limits or excludes salt air corrosion damage.

A home warranty can be worth it in South Carolina because of the state’s long summers and high demand on HVAC systems. Having your air conditioner running for most of the year can increase wear and tear and lead to costly repairs.

A typical home warranty in South Carolina costs around $70 per month, or about $840 annually. While that cost adds up over time, a single major repair can easily exceed what you pay for a year of coverage.

For example, a full HVAC replacement may cost $3,000 to $8,000 or more. With a home warranty, you’d generally pay your monthly premium plus a service call fee, which is usually between $75 and $150.

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. 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.

• 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

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.

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.