State guide · NCNo paid placement
Home warranty
in North Carolina.
Humid Piedmont and coastal summers driving sustained air-conditioning load drives the local claim mix. Service agreements in North Carolina are regulated by the North Carolina Department of Insurance.
2 cities coveredRegulated as a service contract3 providers active
Photo · R Architecture / Unsplash
Why North Carolina is different
Service agreements in North Carolina are regulated by the North Carolina Department of Insurance. Service-agreement companies must be registered; the agreement is not insurance and is not protected by the state guaranty association. Cancellation and refund terms must be disclosed.
Source: North Carolina Department of Insurance: service agreements (State regulator, accessed 2026-05)
Coverage-priority context · NC
What breaks in North Carolina.
Issue 01
Humid Piedmont and coastal summers driving sustained air-conditioning load
Issue 02
Older housing stock in the Triangle and Triad with aging HVAC and plumbing
Issue 03
Clay soils in the Piedmont affecting slab plumbing and foundation settlement
§ 02Best providers in North Carolina
01
AHS
American Home Shield
Homeowners who want broad systems coverage with the flexibility to lower premiums by accepting a higher service fee.
Score
4.1/5
From
$30/mo
BBB
B
02
CHW
Choice Home Warranty
Budget-focused homeowners who want predictable low service fees and straightforward plan choices.
Score
3.7/5
From
$46/mo
BBB
B
03
SHW
Select Home Warranty
Price-first buyers who want the lowest monthly cost and value bundled roof-leak coverage.
Score
3.4/5
From
$44/mo
BBB
B-
§ 03By city
City 01
Charlotte
City 02
Raleigh
§ 04Common questions for North Carolina
Are home warranties regulated in North Carolina?
Service agreements in North Carolina are regulated by the North Carolina Department of Insurance. Service-agreement companies must be registered; the agreement is not insurance and is not protected by the state guaranty association. Cancellation and refund terms must be disclosed.
What is the typical waiting period?
Most plans impose a 30-day waiting period from the contract effective date. A few waive it for a real-estate transaction or when you transfer an existing policy, so a failure that starts before coverage begins is treated as pre-existing and excluded.
Can I buy a plan after something has already broken?
You can buy one, but you will be paying for future protection. An active failure is almost always deemed pre-existing and excluded, so the new contract will not cover the repair you are facing right now.