Home Warranty

7 best home warranty companies in Concord, North Carolina

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Concord. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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A home warranty offers financial protection if an appliance or major home system suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items like HVAC units and refrigerators when they break down from normal wear and tear.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Concord home contains aging furnaces, dishwashers or other appliances, you'll probably encounter an unexpected failure. These top-rated home warranty firms provide robust coverage at fair prices.

With the scorching North Carolina summers, air conditioner breakdowns in Concord are that much more taxing for homeowners. A home warranty from one of the national providers listed below will give you an easy and economical path to the future repairs you might need.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Concord

Here's our list of the best home warranty companies in Concord:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American Home Warranty has comprehensive coverage caps for appliances in each plan. Additionally, First American includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade provides coverage for miscellaneous items, such as appliance knobs and dials.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Concord

You'll typically pay $41-$70 per month for a home warranty in Concord, in line with the national average. Opting for annual payments means paying somewhere around $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

With a home warranty, you'll have additional coverage for home appliances and major systems. However, it's not a substitute for homeowners insurance, and there are some exclusions to coverage. Below, we'll discuss what's generally covered and what's not.

What are the typical items covered under a home warranty?

Refrigerators
Clothes dryers
Built-in microwaves
Washing machines
Dishwashers
Cooktops

Major appliances form the first group of items that a home warranty covers. This includes the following items: The second category of covered items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

Plumbing
HVAC
Electrical
Central vacuum
Water heater

What items are typically not covered under a home warranty?

Home warranties, similar to other service contracts, have coverage exclusions. One thing that home warranties don't cover is damage outside of normal wear and tear. For example, the warranty company could reject a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is a part of routine maintenance. Home warranties also don't cover rust or corrosion damage, cosmetic damage, hazardous waste, improper system or appliance installation, preexisting conditions and acts of nature.

Questions to ask home warranty providers in Concord

Ask each home warranty provider these questions before you purchase a plan.

What items are covered by my policy?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can find a company that includes them. Some companies separate appliance and system coverage. Most home warranty companies also sell optional add-ons for things like lawn sprinkler systems and septic tank pumping. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

Generally, home warranty contracts last for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies require this 30-day waiting period to prevent customers from filing claims for preexisting conditions. A home warranty may last longer than 12 months if you purchase a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty companies will let you select your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Concord to get repair approval from the home warranty provider. You can verify a contractor's license by searching the North Carolina Licensing Board for General Contractors database.

How does your claims approval process work?

Understanding how a company’s claims process works can be the difference between an approved claim and a denied one. Home warranty providers typically accept claims via their website or a round-the-clock support line. Typical response times are within one to two days of filing, though there may be processing delays if you file a claim outside normal business hours. If the home warranty company initially approves your claim, they'll match you with a service contractor from their network. The contractor will arrange a meeting with you to examine the appliance firsthand. Once they get final approval from the warranty company, they'll do the repair work and handle billing on your behalf.

Can I transfer my policy to the next owner of my home?

Most home warranty companies allow you to transfer your policy to a new person who moves into the home the policy covers. Generally, transferring a home warranty policy to a new homeowner is complimentary, although some companies charge a transfer fee to offset administrative costs. Home warranty companies might also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers can purchase these plans to raise their home's appeal in a competitive market.

Home warranty contract fine print

Before you choose a home warranty, examine its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, look for these key details and clauses:

Workmanship guarantee: The workmanship guarantee is the time during which the home warranty company won't charge additional service call fees for a repair if an in-network technician has recently serviced the item. The industry standard is 30 days, but some companies offer longer workmanship guarantees.
Cancellation: Companies generally specify how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Service call fee: Each time you file a claim, the home warranty or repair company will assess a service call fee. These fees typically range between $75 and $125.
Coverage limit: The coverage limit puts a monetary cap on how much the home warranty company will pay per repair. There may be further stipulations, such as an annual coverage limit.
Exclusions: Pay extra attention to the exclusions a company lists in its fine print. For example, most home warranty sample contracts outline component exclusions for each covered item.

Facts about Concord

Average High in July

89°F

Concord

83°F

National Average

Average Low in January

32°F

Concord

17°F

National Average

Average Daily Sunlight

69%

Concord

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Concord, North Carolina

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