Home Warranty Companies in North Carolina
2026 State Guide
Our data lists 11 of the 15 companies we track as serving North Carolina. AFC Home Club ranks first among them at 8.2 out of 10. North Carolina has a humid climate with very warm summers and moderately cold winters.
Companies Available
11
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
AC
cooling, our reading
Regulator
North Carolina Attorney General
No registration program found
North Carolina State Snapshot
Housing units
4,979,204
Owner-occupied rate
66.4% (US 65%)
Median home value
$259,400
Primary HVAC risk
Cooling (our reading)
Companies listed
11 of 15 tracked
Regulatory body
North Carolina Attorney General
66.4% of North Carolina homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $259,400, 15% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for North Carolina. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In North Carolina's largest city, Charlotte, 51% of homes are owner-occupied and the median owner-occupied home is worth $385,700.
Source: Census Bureau QuickFacts for Charlotte, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
North Carolina's climate puts cooling under strain, in our reading
North Carolina has a humid climate with very warm summers and moderately cold winters. The state has warmed by more than 1 degree F since the start of the 20th century, and winter and summer temperatures have trended upward since a cool period in the 1960s and 1970s. Hurricane-associated storm intensity and rainfall rates are projected to increase as the climate warms.
Air conditioning does most of the work here, so the cooling side of the HVAC cap is the number to check.
Source: NOAA NCEI State Climate Summary for North Carolina (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a North Carolina estimate. 11 of 15 tracked companies serve North Carolina in our data; "Likely" and "Check" rows are not verified for North Carolina.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | NC |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for North Carolina
Highest overall score among companies that serve North Carolina, leaving out companies we recommend against. How scores work.
Not Available or Unverified in North Carolina
Check availability: Old Republic Home Protection, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified North Carolina. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How North Carolina Regulates Home Warranties
Regulator
North Carolina Attorney General (Consumer Protection Division); Department of Insurance does not regulate sellers
Legal framework
Home service agreements under G.S. 66-371 to 66-373
The North Carolina Department of Insurance says that since October 1, 2007 service agreements on home appliances fall under General Statutes 66-371, 66-372 and 66-373, and that the department does not regulate the companies that sell them. It sends complaints to the Attorney General's Consumer Protection Division. A separate category, real property warranties, requires a surety bond filed with the Secretary of State under G.S. 58-1-20, per the department's page. Bills to add disclosure and cancellation rules for home warranties were introduced in 2024 (House Bill 957) and 2025 (House Bill 203); we did not confirm that either became law.
Type of rules: Not insurance, no registration program found. Home service contracts are outside the insurance code and we found no registration program, so consumer protection law is the main recourse.
Checked against the official sources listed below. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- North Carolina Department of Insurance: Warranty Service Agreements
- North Carolina House Bill 957 (2023-24), Home Warranty Regulatory Reform (PDF)
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for North Carolina Homeowners
Expect consumer protection law to be your main protection
We found no registration program in North Carolina, so read the contract closely, keep every claim communication in writing and know that complaints may go to the Attorney General's consumer protection office.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Know who handles complaints
The Department of Insurance says it does not regulate companies that sell service agreements and sends complaints to the Attorney General's Consumer Protection Division. Bills to add disclosure and cancellation rules were introduced in 2024 and 2025; we did not confirm that either became law. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for North Carolina. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in North Carolina
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. North Carolina's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
North Carolina Department of Justice: protecting consumers
The Consumer Protection Division's complaint form says that in most cases the complaint is forwarded to the business for a response. The office cannot give private legal advice.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - North Carolina
Which home warranty companies serve North Carolina?
What is the best home warranty company in North Carolina?
Which home warranty plan has the highest HVAC coverage in North Carolina?
How much does a home warranty cost in North Carolina?
How does North Carolina's climate affect which plan to buy?
Where do I file a home warranty complaint in North Carolina?
How are home warranties regulated in North Carolina?
Neighboring States
Compare All North Carolina-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves North Carolina, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.