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Audited & Verified: Jul 29, 2025, 10:39am
Fact Checked
| Staff EditorIf you’re on the hunt for a home warranty provider in North Carolina, you may feel overwhelmed by the options. Factors like pricing and fees, company reputation scores and protection for particular appliances and systems are important to consider before reaching out to home warranty companies. Being that North Carolina is on the coast, you may also want to think about corrosion and roof leak coverage.
To help you narrow down the plethora of home warranty provider options, the Forbes Home editorial team analyzed 19 top home warranty companies and 58 plans and ranked them by obtaining 106 quotes and using 60 datapoints. The team has read the fine print of these providers’ plans to help you identify the best option for you.
The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. Our ratings for home warranties consider factors that include pricing, coverage options, nationwide availability, quote process, customer sentiment and more. All ratings are determined solely by our editorial team in line with our strict editorial guidelines.
Learn More: How We Score Home Warranty Companies
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
The top home warranty companies in North Carolina were identified by us after deep research of dozens of influential home warranty providers and policies and took features such as pricing and service fees, customer ratings and more into account.
| COMPANY | OUR RATING | BEST FOR | MONTHLY FEE | CHOICE OF TECHNICIAN | LEARN MORE |
|---|---|---|---|---|---|
 4.7    | Best Overall | $32.00 - $72.00+ | Yes | Read Forbes' Review | |
| 4.5 | Best Service Response Times | $46.08 - $59.92+ | No | On HWA's Website | |
| 4.5 | Best Cost and Plan Options | $49.99 - $59.92+ | Yes | On Liberty Home Guard's Website | |
| 4.4 | Best for Unique Home Features | $29.99 - $79.99+ | Yes | On American Home Shield's Website | |
| 4.3 | Best Value | $39.99 - $74.99+ | Yes | Read Forbes' Review |
Best Overall
Best Overall
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty has a thoughtful array of home warranty plans created for North Carolina households. Whether you’re managing a rental property, building a home or relocating into one, this provider offers packages starting at $32 that range from essentials-based plans to holistic coverage options for increased protection.
Learn more: 2-10 Home Buyers Warranty review
2-10 Home Buyers Warranty ranked high thanks to its user-adjustable fee system. You can shape your monthly premium by tweaking your service fee level, which could be ideal for homeowners wanting more cost governance. Another standout is the company’s dedicated support, offering protections for homes during the sales process and beyond.
Why We Like It
What sets 2-10 Home Buyers Warranty apart is its diverse plan flexibility. If you want one type of coverage over another, there’s a specific plan for that. If you’re seeking as much customization, 2-10’s top plan adds in extras such as alarm and filter protection. Don’t forget about its optional roof leak add-on, which could be a useful addition for areas that can experience unstable coastal weather at times.
What We Don’t Like
While 2-10 allows contractor choice, you’ll need to secure a green light before assigning repairs. The cancellation terms are less flexible than some. There’s a $25 fee in the first 30 days, which jumps to 10% of the full contract after that.
Who It’s Best For
2-10 will likely benefit those homeowners who are budget-conscious in North Carolina and who want to guide plan expenses and head up their home warranty coverage.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
The responses from 2-10 Home Buyers Warranty respondents were overall positive and gave high marks to the providers’ services. There was some negativity in the reviews about claims, denials, limitations and lack of communication. These complaints came mostly from rejected claims, preexisting issues and response wait times. Overall, the reviews did hold positivity, especially around overall communications and service expectations.
From a survey of 1,800 U.S. homeowners, 86% of 2-10 customers said they would recommend the provider, and 88% rated its value proposition as strong. These results reflect warm sentiment.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Simply Kitchen | $32+ | $65 - $100 |
Complete Home | $52+ | $65 - $100 |
Pinnacle Home | $72+ | $65 - $100 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Best Service Response Times
Best Service Response Times
Home Warranty of America (HWA)
Created in 1996, Home Warranty of America (also known as HWA) has nearly three decades in the home warranty business. Plans start around $47 per month, with varying service fees of $75 and $100. You’ll have your pick of two plans depending on your needed level of home protection in North Carolina.
Learn more: Home Warranty of America review
Although companies that offer appliance-only plans can be the best choice for many homeowners, we like that HWA offers two options, each providing protection for systems and appliances. Those who like a deeper level of coverage can opt for the higher plan or select some of the company’s many add-ons.
Why We Like It
We like that HWA keeps things minimal with plans that cover the basics right out of the gate. The upgraded option brings in appliances like your laundry pair and air conditioning, which is a common need. Service fees are flexible, so you can tailor how you spend. Plus, the eco-friendly add-on is a rare feature for those who’ve already invested in sustainable upgrades.
What We Don’t Like
With HWA, you cannot select your own contractor, as the company assigns someone from its in-network list. And if you’re looking for plans that cover only appliances or only systems, it may not be the company for you. It’s not exactly a drawback for everyone, but it is worth noting.
Who It’s Best For
This provider can be a good choice for those who want a straightforward plan that protects both appliances and systems.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
HWA got overall mixed customer sentiments, according to our research. High points include helpful customer service agents and technicians. But, in unsatisfied reviews, customers tended to mention surprise costs, lengthy service wait times and inadequate coverage.
Survey feedback for Home Warranty of America was largely positive, though not quite as glowing as some other providers. Around 15% of respondents said they were hit with unexpected costs, which was slightly above the average. Still, HWA earned a solid value rating near 8 out of 10 when it came to value for money. Average yearly premiums hovered around just under $650.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Select | $46.08+ | $75 - $100 |
Select Plus | $59.92+ | $75 - $100 |
Add-On Options:
Best Cost and Plan Options
Best Cost and Plan Options
Liberty Home Guard
Although it only has an eight-year track record, Liberty Home Guard is a popular choice among customers. The company has three plans, including one focusing on appliances, one providing coverage for home systems and one combining both. With multiple options for service fees as well, you can design a plan combination that most closely fits your budget.
Learn more: Liberty Home Guard review
We included Liberty Home Guard because it gives homeowners a level of control you don’t always see. From choosing your own technician to covering properties like secondary residences, Liberty makes it easier to tailor your coverage to your living situation.
Why We Like It
What makes Liberty stand out is the sheer size of its add-on list. You can cover everything from gutter cleaning to re-keying. It’s one of the few companies where items often found at coastal homes are even on the table. On top of that, Liberty’s customer service is accessible through multiple contact methods.
What We Don’t Like
The cancellation fee is firm, and it’s not waived if you change your mind early. That might not seem like much, but it’s a meaningful fee if you’re still testing the service. Also, that $2,000 limit on each item means not all high-ticket repairs are fully covered, so you’ll want to be clear on where that cap might leave you short.
Who It’s Best For
Liberty can be a good choice for those who want to choose between an appliance-only and systems-only plan. It can also be a good choice for a combined plan for customers willing to pay a bit more.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Liberty Home Guard had generally varying reviews from customers. As far as satisfied customers go, these sentiments tended to mention positive experiences with customer service agents and frequent communication. In less-positive reviews, customers often noted a lack of transparency and delays in services.
Liberty Home Guard scored well with homeowners in our survey. About 84% of customers said they were happy with how their service call was handled, and 85% said they plan to renew. That kind of loyalty points to consistent customer service and a plan structure that delivers value.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99+ | $65 - $125 |
Systems Guard | $54.99+ | $65 - $125 |
Total Home Guard | $59.99+ | $65 - $125 |
Add-On Options:
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
With over five decades worth of experience, American Home Shield is certainly a tenured professional with a “been there, done that” reputation that precedes it. AHS has done it all and customers can rely on three expansive coverage options that start at $29.99 and go up to $79.99 for the company’s highest tiered package.
Learn more: American Home Shield review
We like that the company provides a higher coverage cap (up to $4,000) for protected appliances. In North Carolina, policyholders can choose between monthly or yearly contracts. We respect American Home Shield’s tiered plan approach, providing everything from systems-only coverage to all-encompassing plans.
Why We Like It
AHS has some unique features that make it stand out in North Carolina, including coverage for preexisting conditions and code violations, as well as coverage options for renters and those who live in condos and manufactured or mobile homes. The company strives to respond to claims in North Carolina within 24 to 48 hours and sometimes offers a video diagnosis feature for a quicker solution.
What We Don’t Like
While the company allows you to assign work to your preferred contractor, getting AHS to sign off on that contractor can be tedious. And if you cancel after the initial 30-day window, expect an administrative fee equal to one month’s subscription cost.
Who It’s Best For
This provider (while not perfect) is an ideal choice for price-conscious homeowners who need strong appliance and system coverage without the constraints of being locked into drawn-out contracts.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Customer sentiment toward American Home Shield revealed inconsistencies. Some users described fast technician scheduling and dependable issue resolution. Others noted price hikes and raised concerns over limited technician vetting. AHS remains a case-by-case option depending on your location and service expectations.
After collecting feedback from 1,800 homeowners, 83% of American Home Shield users said they would recommend the company to others in their network. Meanwhile, 84% said the policy documents were logically written.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Add-On Options:
Best Value
Best Value
ARW Home
ARW Home has three plans designed to protect your North Carolina home’s systems and appliances. One plan, the Kitchen Plus Plan (which starts at $39.99), focuses on kitchen systems and appliances. Its remaining plans, the Platinum Plan and Platinum Plus (which start at $64.99 and $74.99), combine more home systems and appliance coverage, with the most expensive plan giving you the most coverage.
Learn more: ARW Home review
We like that ARW Home has three transparent plans, which allow North Carolina homeowners to really design the coverage that makes the most sense for their needs and home. ARW also has some common items on its add-ons list, including pool coverage and coverage for water and sewer lines.
Why We Like It
ARW Home doesn’t deny coverage solely based on a home’s age, which many other providers do. Your home appliances and systems will need to work, but otherwise, they can usually be serviced under your plan, no matter their age. Additionally, you’ll be able to choose your own contractor with this company.
What We Don’t Like
With this company, you’ll be subject to a $45 cancellation fee, and some customer reviews mention being required to cancel by mail. If this is something that concerns you, we recommend asking about the policy before signing on.
Who It’s Best For
ARW Home is an appealing choice for North Carolina homeowners who want kitchen-centric plans with add-on flexibility. It could be especially smart for owners of older homes and those who prefer user-driven customization.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Forbes Home surveyed 1,800 homeowners who currently had a home warranty policy to better understand their sentiments toward each home warranty provider we considered. 92% of policyholders reported feeling the plan provided a lot in terms of value against the cost of the plan. Another insight from the survey is that 93% of ARW customers reported feeling that they would want a family member or friend to use this company.
After we surveyed 1,800 home warranty policyholders, we found that ARW Home received high marks for satisfaction. In our survey, 93% of ARW customers said they’d recommend the service to friends or family, while 92% said they felt the plan provided solid value for the price.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | $55+ |
Platinum | $64.99+ | $55+ |
Platinum Premier | $74.99+ | $55+ |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website Find the top ranked home warranty company in your area
Home warranties can protect you against unexpected expenses. Click on your state today to find out more.
We recently conducted a survey of 1,800 customers with home warranty policies and found out that 81% of respondents reported spending between $801 and $900 per year on their home warranty premium costs. This amounts to around $70 per month.
Typically, monthly home warranty costs range from $27 to $100, or $60 on average. To reach a more accurate rate for you, you’ll also need to factor in service fees, which you’ll need to pay each time you hire a contractor to your home to perform a repair under your home warranty plan. These usually oscillate between $65 and $150 per visit, and the price of service fees may lower or raise your monthly premium.
It’s helpful to compare home warranty costs to average home repair costs to know if you’re getting a good deal. For example, a water heater repair can cost $600 on average. Knowing average home warranty premiums and service fees, you can get a better idea of what you can save, even while you’re making consistent monthly payments with a home warranty.
How much your home warranty will cost in North Carolina will depend on the plan you choose and from which company. Plans that cover additional systems and appliances will cost more than your barebones plans. Add-ons will also raise your cost. For instance, if you want to add roof leak or corrosion coverage in North Carolina because of its location on the coast, this may cost more.
| NORTH CAROLINA HOME WARRANTY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost | $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
A home warranty can be worth it in North Carolina, but whether it makes sense for you depends on a few important factors. If you live in a newer home where many appliances and systems are still protected under builders’ or manufacturers’ warranties—or if you’re especially handy and comfortable tackling your own home repairs—a home warranty may feel unnecessary. But if your home is older and the original warranties have expired, investing in a home warranty could be worth the cost, especially when it comes to unexpected repairs.
Choosing a home warranty plan is a decision unique to you, your home and the systems and appliances you’d most like to cover. However, every homeowner can keep a few factors in mind to make the best home warranty plan decision possible, and there are a few factors North Carolina homeowners should especially consider.
HVAC systems (a.k.a your heating, ventilation and cooling systems) are some of the most commonly covered items in home warranty plans and it’s easy to see why. HVAC repairs are not only costly (running around $400 for an average repair), but they can make your home uncomfortable or even dangerous in some cases.
We recommend looking into home warranties that cover your HVAC system for greater peace of mind, no matter where you call home.
To choose the right home warranty plan, start by taking stock of your home’s current systems and appliances. Identify which ones are recently installed—some may still be covered by a manufacturer’s warranty—and which are nearing the end of their life and more likely to need repairs or replacement soon. You’ll also want to reflect on which items could be especially disruptive to fix. Major systems like plumbing and electrical, or large appliances, often fall into this category due to how complex repairs can be.
Once you’ve built out a solid understanding of what’s most at risk or most expensive to replace, compare it with what home warranty companies cover. Look for plans that align with both your spending comfort zone and your specific needs. Taking this more thoughtful, customized approach can help ensure you select a plan that’s actually worth the investment—one that protects what matters most in your home.
Most home warranty companies will have sample contracts for you to read on their websites. It’s a good idea to read through these to get a sense of the company’s policies, such as cancellation fees, contract renewal terms, coverage exclusions and limits. For example, a company may mention roof leak coverage, but only those caused by typical wear and tear and only up to $5,000 in damages. It’s good to know about these right away before committing to a company so you can reach out with questions before signing on the dotted line.
Monthly fees as well as annual premiums will decide which policies are within your price range. From there, you can simplify your list of possible providers and compare plan pricing. We recommend comparing several providers’ pricing and plan models to gain a clearer picture of which will best suit you and your home.
Arguably, you won’t find better information about a company’s reputation than online consumer reviews and sentiments. If local reviews are accessible, that’s even better. Neighbors, family, friends and those in your community can help you better understand which companies you should consider.
North Carolina has a few laws and regulations on the books concerning home warranty companies, but the industry is not regulated by the Department of Insurance. The Attorney General’s Office has also shared some information about the home warranty industry and encourages customers who experience problems to reach out with any complaints.
In North Carolina, most home warranty providers offer broad coverage of most home systems and appliances, but overall, coverage hinges on the specific company you’re working with, the plan you choose and any add-ons. You’ll notice that many providers offer levels of coverage; some tiers only cover basic systems or appliances, while others broaden the scope to a mixture of appliance and system coverage.
Typically, your home warranty provider will provide service for wear-and-tear repairs. For example, if your AC system won’t work one day, you may not have to pay out of pocket for those repairs. Review your contract for what is and isn’t covered.
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Before you get too comfortable with your home warranty coverage, it’s crucial to understand not just what it covers, but what it doesn’t. Even if a system or appliance is listed in your plan, that doesn’t automatically mean every repair will be fully paid for.
A major factor affecting coverage is the cause of the problem. Home warranties are made to aid in cases of normal maintenance, not when damage is caused by external events or human error. So if a coastal flood damages your HVAC system, your home warranty company may not step in. Those situations are usually handled by homeowners insurance.
Then there are coverage caps to consider. Let’s say salty air corrodes equipment in your coastal North Carolina home—even if the issue is eligible for coverage, your provider may only reimburse a portion of the cost. These limits vary by plan and can significantly impact what you’ll pay out of pocket. That’s why it’s essential to reach out to your home warranty company if you’re unsure about specific coverage details. The fine print matters, and getting clarity up front can help you avoid unexpected costs down the line.
To better understand current home warranty trends in North Carolina and across the U.S., we surveyed 1,800 homeowners who have been home warranty customers within the last 12 months. Homeowners in the Southeast shared their experiences with coverage, how they use their plans and their opinions on home warranties in general, including feedback on the companies they chose.
Select your state from the list below to find more home warranty companies that provide coverage in your area.
Best Home Warranty Companies By State
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis, which includes over 146,000 first-person insights as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
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No, home warranty plans don’t often cover mold issues. However, keeping your HVAC systems well-maintained can help prevent mold and these are often included in home warranty plans.
Depending on your specific area in North Carolina, you may see more home warranty plans featuring roof coverage, though it’s not guaranteed that all companies will offer the same level of protection. Home warranties do not often cover roofs, though, and when they are included, coverage looks more like regular wear-and-tear roof repairs. If you live in an area prone to roof damage, you may want to look into a home insurance plan, which more often offers roof coverage.
No, you do not need a home warranty in North Carolina, though having one certainly has its advantages. If you are purchasing a home in the Tar Heel state and want to be totally protected in your long-term investment or you know that your appliances or systems are older, a home warranty can help mitigate big repair or replacement bills.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
Sami Allen is the managing editor at Forbes Home, with over seven years of experience in the home space and 10 years of editing experience.
