Best overall
American Home Shield
3.7
109,253 reviews
- Plans available
- 3
- Service fees
- $100 or $125
- Starting costs
- $29.99
- Labor guarantee
- 30 days
Best Home Warranties in South Carolina
- Best overall
American Home Shield3.7(109,253) - Claims handling
Regency Total Warranty4.1(1,007) - Coverage variety
Old Republic Home Protection3.9(2,084)
By:
Sarah Maier
+1 more
Edited by:
Cassidy McCants
Best Home Warranties in South Carolina
Based on verified reviews from local homeowners, American Home Shield is the best home warranty company in South Carolina. Regency Total Warranty stands out for an easy claims process. Old Republic Home Protection offers the best variety of plans and coverage.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,805,835 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Our 4 home warranty company picks in South Carolina
- Best overall: American Home Shield
- Best claims handling: Regency Total Warranty
- Best coverage variety: Old Republic Home Protection
- 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 | 3.7
109,253 reviews
109,253 reviews
| Best overall | $29.99 | $100 or $125 |
 Regency Total Warranty | Learn More | 4.1
1,007 reviews
1,007 reviews
| Claims handling | $44.99 | $60 to $100 |
 Old Republic Home Protection | Learn More | 3.9
2,084 reviews
2,084 reviews
| Coverage variety | $50 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
73,317 reviews
73,317 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 across South Carolina on ConsumerAffairs.
Best claims handling
Regency Total Warranty
4.1
1,007 reviews
- Plans available
- 2
- Service fees
- $60 to $100
- Starting costs
- $44.99
- Labor guarantee
- Unclear
Best coverage variety
Old Republic Home Protection
3.9
2,084 reviews
- Plans available
- 3
- Service fees
- $100 or $125
- Starting costs
- $50
- Labor guarantee
- None specified
Best for quick service
Choice Home Warranty
4.0
73,317 reviews
- Plans available
- 2
- Service fees
- $100
- Starting costs
- $46.83
- Labor guarantee
- 60 days
Home Warranties in South Carolina Buyers Guide
Jump into our guides and start learning
In this guide
Home warranties can protect you from expensive home repair bills, but to get your money’s worth, you’ll want to make sure you get the right coverage. Make a list of the items you want covered, and shop for plans that meet your needs.
Get quotes for each plan and compare your personalized rates to find a good deal. If you want to learn more about buying a home warranty, check out our home warranty guide and our article on home warranty coverage.
Given South Carolina's summers, it’s likely smart to ensure your air conditioning is covered in your plan.
Jump to insightHome warranties typically cost between $30 and $90 per month, depending on the type of coverage.
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.
Replacing an air conditioner can cost thousands of dollars.
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.
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 choose a home warranty
How much does a home warranty cost in South Carolina?
Home warranty premiums cost $684 per year, on average, as of June 2025. A South Carolina home warranty costs between $360 and $1,080 in premiums annually, based on plans from our top picks.
Cost range by home warranty provider
| Company | Monthly premium range | Service call fee | |
|---|---|---|---|
American Home Shield | Get a Quote | $29.99 to $89.99 | $100 or $125 |
Regency Total Warranty | Learn More | $44.99 to $49.99 | $60 to $100 |
Old Republic Home Protection | Learn More | $50 to $80 | $100 or $125 |
Choice Home Warranty | Get a Quote | $46.83 to $54.75 | $100 |
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
- Systems coverage ($60 per month): $720 per year
- Add-on for roof leak repair ($10 per month): $120 per year
- Three claims ($100 service fee): $300
- Total: $1,140 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.
» MORE: What to do when your home warranty claim is denied
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.
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.
We prioritized real customer experiences in South Carolina but also considered national reviews. We discarded companies with fewer than five in-state reviews. Our review evaluation focused on seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
In addition to reviews, we compared the companies on:
- Coverage options: We broke down each company’s home warranty plans to ensure they offer 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. We checked to see what customization options each company offers, 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 type of coverage, but we confirmed our top picks’ prices are 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 are in line with industry standards.
- Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
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 Oct. 2, 2025.
- South Carolina Department of Insurance, “Service Contract Provider Q & A.” Accessed Oct. 2, 2025.
- South Carolina Legislature, “Bill 470.” Accessed Oct. 2, 2025.
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Compare top South Carolina home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
American Home Shield
| 3.7
109,253 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 |
|
Regency Total Warranty
| 4.1
1,007 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 |
|
Old Republic Home Protection
| 3.9
2,084 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 |
|
Choice Home Warranty
| 4.0
73,317 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
| 5.0
6 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
| 4.4
1,398 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 |
ARW Home
| 4.3
2,769 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
| 4.0
12,208 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. | Get a Quote |
HomeSafe
| 4.2
457 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 |
First American Home Warranty
| 4.1
8,883 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
| 3.6
15,977 reviews
| Appliance, system and combination plans available. Plans start at around $45 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
627 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
| 1.8
View profile
| 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
| 1.5
2,041 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
1,948 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
329 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 |
American Home Protect
| 1.3
133 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 |
America's Preferred Home Warranty
| 1.4
12 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
363 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 |
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 |
Home Warranty of America
| 1.1
4,024 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 |
2-10 Home Buyers Warranty
| 1.1
6,706 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
HSA Home Warranty
| 1.1
312 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
428 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 |
The Home Service Club
| 1.0
816 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 |
Frontdoor
| 1.2
23 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 |
AFC Home Warranty
| 1.0
2,277 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 |
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 |
Home Warranty Inc
| 1.0
17 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. |
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