Home Warranty

7 best home warranty companies in Fayetteville, 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 Fayetteville. 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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Home warranties give you a financial buffer to repair or replace appliances that suddenly fail. For a monthly fee, these policies insure items such as AC units and refrigerators when they stop working from regular wear and tear.

Did you know that the typical life span of an HVAC system is seven to 25 years? Other major systems, such as water heaters, only last an average of six to 12 years. Most appliances last just 20 years or fewer, according to the International Association of Certified Home Inspectors.

If your Fayetteville house contains any aging furnaces, dishwashers or other appliances, you'll likely face an untimely breakdown. These best home warranty providers offer robust coverage at reasonable prices.

A standard homeowners insurance policy doesn't cover normal appliance wear and tear. With protection from one of these home warranty companies, you'll have additional reassurance in case of an unforeseen breakdown.

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 Fayetteville

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee if your covered item can’t be fixed or replaced.

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 plans with a 60-day workmanship guarantee on completed repairs. Compared to other providers in this piece, it also provides the largest number of coverage add-ons – 38 in total.

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

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary 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

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

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 Fayetteville

The cost of a home warranty is around the same as the national average, and it largely depends on how often you prefer to make payments. The national average is around $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties cover various major systems and appliances, but they're not a substitute for homeowners insurance. Below, we'll summarize what coverage a warranty typically includes and excludes.

What are the typical items covered under a home warranty?

Cooktops
Clothes dryers
Washing machines
Refrigerators
Dishwashers
Built-in microwaves

Kitchen and living appliances form the first group of items that a home warranty covers. This includes the following items: The second category of protected 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
Electrical
Central vacuum
Water heater
HVAC

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, which are the items and circumstances it will not cover. Your contract will outline each exclusion upfront, so read carefully before you sign. One thing that home warranties don't cover is damage outside of normal wear and tear. For example, the warranty company could deny 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. Additionally, home warranties won't cover cosmetic damage, acts of nature, preexisting conditions, improper system or appliance installation, rust or corrosion damage and hazardous waste.

Questions to ask home warranty providers in Fayetteville

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items does my policy cover?

First, determine what items need coverage before requesting a home warranty quote. Some providers separate appliance and system coverage, so verify that the company has plans to meet your particular needs. Many companies also sell optional add-ons, covering things like lawn sprinkler systems and additional refrigeration. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

A typical home warranty plan is effective for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period acts as a way to deter customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with 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 allow you to choose your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Fayetteville 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?

Knowing more about the home warranty company's claims process boosts your chances of getting an approval. Most companies accept claims online or via a 24/7 phone line. Once you file, the company will try to respond within 24 to 48 hours. Filing outside normal business hours may lead to processing delays. Once the provider receives your claim, someone will examine the details and connect you with an in-network service provider. The contractor will schedule a visit, diagnose the problem, and then request final approval from the home warranty provider before starting repairs.

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

If you need to move, most home warranty contracts contain a clause allowing you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others will charge a transfer fee. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are readily transferable to buyers.

Home warranty contract fine print

Before buying a home warranty, research the company's sample contracts and policies. Understanding a provider's terms and conditions can help you decide whether they're a suitable choice for you. It'll also help you advocate for yourself if you need to file a claim. Look for these key stipulations and clauses:

Exclusions: Be sure to learn more regarding component-specific exclusions in the home warranty company's sample contracts. Some parts of a device might be excluded even if the appliance itself is generally covered under the policy.
Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the initial waiting period before coverage takes effect, many companies will offer a complete refund of your annual premium.
Service call fee: Just like copays at the doctor or pharmacy, you'll have to pay a service call fee each time you file a home warranty claim. Many providers have fees between $75 and $125 per claim.
Workmanship guarantee: Home warranties generally have workmanship guarantees of at least 30 days. If an in-network technician attempted to repair your appliance or system, and you keep experiencing issues with it, the company won't assess an additional service call fee for new repairs.
Coverage limit: Each home warranty has a coverage limit that sets how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.

Facts about Fayetteville

Average High in July

89°F

Fayetteville

83°F

National Average

Average Low in January

33°F

Fayetteville

17°F

National Average

Average Daily Sunlight

69%

Fayetteville

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 Fayetteville, North Carolina

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