Top Home Warranty Companies in NC 2026
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What is a Home Warranty?
A home warranty is a service contract that covers the repair or replacement of important appliances and systems components that break down over time. It provides financial protection and peace of mind by handling unexpected breakdowns, typically through a network of qualified service technicians.
How to Choose the Best Home Warranty Company?
When you're choosing between the best home warranty companies, focus on getting coverage that fits your needs, covering the essential systems and appliances in your home. Compare home warranty companies and make sure the pricing is clear, with no hidden costs, and that they offer a smooth and reliable claims process. It's important to choose a company with a solid network of service providers and good customer reviews. Look for flexible home warranty plans and excellent customer service, and always check the terms and conditions, including any limits or exclusions, so there are no surprises down the road.
Best Home Warranty Plans & Services
The best home warranty plans cover major systems and appliances, including HVAC, plumbing, and electrical, with flexible options to customize based on your needs. The best home warranty insurance plans typically include transparent terms, a straightforward claims process, and access to a large network of qualified service technicians.
What is a Home Appliance Warranty?
A home appliance warranty or appliance insurance is a service contract that covers the repair or replacement of your household appliances if they break down due to normal wear and tear, like refrigerators, ovens, dishwashers, and washing machines. Unlike homeowners insurance, which covers damage from events like fires or floods, home appliance insurance specifically focuses on mechanical failures and general wear of appliances.
Are Home Warranties Worth It?
A homeowners warranty is a smart investment for homeowners who want peace of mind and protection against the high costs of unexpected repairs. Home warranties ensure that when something breaks down, you’re not left with a hefty repair bill. A home warranty that covers HVAC is especially valuable for older homes.
Home Warranty for Sellers
A seller’s home warranty protects major systems and appliances while your home is on the market, covering unexpected repairs and avoiding last-minute negotiations. It’s a cost-effective way to make your property more appealing, with transferable coverage to buyers for added peace of mind and a smoother sale.
Read our home warranty reviews below to compare plans, coverage and pick the best home warranty company for your needs.
About Select Home Warranty
Select Home Warranty provides home warranty plans designed to help homeowners manage the cost of unexpected repairs for major appliances and home systems. Founded in 2012, the company offers coverage across most of the U.S. and allows customers to submit service requests online or by phone 24/7. Select works with a nationwide network of independent service technicians to diagnose and repair covered items. Coverage generally includes protection for normal wear and tear on many household systems and appliances, subject to plan terms, exclusions, and coverage limits.
Plans & Pricing
Select Home Warranty offers three main plan options: Bronze Care, Gold Care, and Platinum Care. Bronze Care focuses primarily on appliance protection, covering items such as refrigerators, ovens, dishwashers, and laundry appliances. Gold Care is designed for major home systems including HVAC, plumbing, and electrical. Platinum Care combines appliance and system coverage into a single comprehensive plan. Customers can also expand protection with optional add-ons for items such as roof leaks, pools, spas, well pumps, sump pumps, central vacuum systems, and septic systems. Pricing varies by location and promotions, with plans often starting around $60 per month.
- Bronze Care
- Clothes Washer and Dryer, Garbage Disposal, Refrigerator, Stove/Oven, Microwave Oven (Built-In), Cooktop, Dishwasher.
- Gold Care
- AC, Cooling, Heating System, Plumbing System, Electrical System, Water Heater, and Ductwork.
- Platinum Care
- AC, Cooling/Heating System, Plumbing System, Electrical System, Water Heater, Ductwork, Clothes Washer/Dryer, Garbage Disposal, Refrigerator, Stove/Oven, Microwave Oven (Built-In), Cooktop, Dishwasher, Garage Door Opener, and Ceiling Fan.
Claims Process & Repairs
Homeowners can submit service requests online through Select Home Warranty’s customer portal or by calling customer support at any time. Once a claim is submitted, the company assigns a local service technician to diagnose the issue and perform covered repairs when approved. Service call fees are typically around $75, though pricing may vary depending on the plan and location. Repairs are performed by qualified technicians from Select’s contractor network, helping homeowners address unexpected breakdowns without paying the full cost of repairs out of pocket.
About American Home Shield
American Home Shield® is one of the longest-standing home warranty providers in the U.S., with more than 50 years of experience helping homeowners manage unexpected repair costs. The company has served millions of homeowners nationwide and works with a nationwide network of independent service contractors to complete covered repairs. American Home Shield also offers coverage for normal wear and tear on many covered systems and appliances, regardless of age, subject to plan terms and coverage limits.
Plans & Pricing
American Home Shield offers three plan options—ShieldSilver™, ShieldGold™, and ShieldPlatinum™—designed to protect many essential home systems and appliances. ShieldSilver focuses on major home systems such as HVAC, electrical, and plumbing, while ShieldGold adds coverage for common household appliances. The top-tier ShieldPlatinum plan includes expanded appliance coverage, higher coverage limits, and additional benefits such as HVAC tune-ups and roof leak coverage. Homeowners can also customize protection with optional add-ons for items like pools, spas, guest units, and septic systems.
- ShieldSilver™ Plan
- Protects 19 major systems with $50,000 annual coverage, $5,000 per HVAC system, plus partner discounts on home services and essentials.
- ShieldGold™ Plan
- Covers 23 major systems and appliances—including HVAC, plumbing, electrical, kitchen, and laundry—with up to $5,000 for HVAC and $2,000 per appliance, plus access to discounted home maintenance services.
- ShieldPlatinum™ Plan
- Covers 23 systems and appliances plus roof leaks, with up to $5,000 for HVAC, $4,000 per appliance, $1,000 for roof leaks, $250 for code violations and permits, free HVAC tune-ups, unlimited A/C refrigerant, and coverage for modifications.
Claims Process & Repairs
Homeowners can submit service requests online or by phone 24/7. Once a request is approved, American Home Shield assigns a local service contractor to diagnose the issue and perform covered repairs. Customers can typically choose a service fee option—often around $75, $100, or $125—which helps determine the monthly plan price depending on location and plan selection. Repairs completed through the network include a 30-day workmanship guarantee for added peace of mind.
About HomeSafe
HomeSafe offers home warranty service plans that help cover the repair or replacement costs of household systems and appliances that fail due to normal wear and tear. By connecting homeowners with licensed technicians and providing a structured service process, the company aims to make unexpected home repairs more manageable.
Plans & Coverage
HomeSafe provides plans that cover major home systems, appliances, or both. Coverage commonly includes HVAC, plumbing, electrical systems, and appliances such as refrigerators, ovens, and washers, with optional add-ons available for select items.
- Appliance Guard Plan
- Clothes washers/dryers, refrigerators, built-in microwave ovens, dishwashers, garbage disposals, ranges/ovens/cooktops, ceiling and exhaust fans, and garage door openers.
- Systems Guard Plan
- Air Conditioning, Heating, Plumbing, Electrical, Water Heaters, Ductwork.
- Total Home Guard Plan
- Clothes washers/dryers, water heaters, refrigerators, built-in microwave ovens, dishwashers, garbage disposals, ranges/ovens/cooktops, ceiling and exhaust fans, ductwork, garage door openers, AC, heating, plumbing and electrical systems.
Claims Process
Customers can submit claims online or through customer support once coverage begins. If approved, HomeSafe schedules a licensed technician to diagnose and repair the covered item, with a service fee typically required per visit.