Home Warranty

7 best home warranty companies in Waxhaw, 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 Waxhaw. 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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Consider a home warranty to financially protect your home's essential items. These policies cover the repair or replacement of major household systems and appliances, such as air conditioners and refrigerators, for a monthly fee.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically malfunction after just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today stop working after about 20 years.

If your Waxhaw home contains aging dishwashers, furnaces or the like, you'll likely encounter an untimely breakdown. These leading home warranty firms offer robust coverage at fair prices.

A typical homeowners insurance policy doesn't cover normal appliance wear and tear. With supplementary coverage from one of these home warranty providers, you'll have additional peace of mind 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 Waxhaw

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees 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 the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

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 Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

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

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six 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 has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your premium.

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 Waxhaw

The average cost of a home warranty in Waxhaw is around the same as the national average, ranging from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, 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 extra coverage for home appliances and major systems. However, it's not a substitute for homeowners insurance, and there are some limitations to coverage. Below, we'll discuss what's generally covered and what's not.

What are the typical items covered under a home warranty?

Washing machines
Cooktops
Clothes dryers
Refrigerators
Dishwashers
Built-in microwaves

The first category of items a home warranty protects is kitchen and living appliances. This consists of the following: When you purchase a home warranty, you're also getting coverage for major home systems. While different plans have different coverage scopes for this category, the following systems can be covered:

Plumbing
Electrical
HVAC
Water heater
Central vacuum

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties will not provide coverage for certain items or events. Your contract calls these exclusions. One thing that home warranties exclude is damage outside 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.

Hazardous waste
Rust or corrosion damage
Cosmetic damage
Acts of nature
Preexisting conditions
Improper system or appliance installation

Questions to ask home warranty providers in Waxhaw

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 providers separate appliance and system coverage. Companies might also offer additional coverage, like spa and roof leak protection, as add-ons. Consider what supplements you might need and how much they'll add to the cost.

How long is my home warranty good for?

Standard home warranty contracts last for 12 months from the coverage effective date, which is usually 30 days after the initial sign-up date. Companies include this 30-day waiting period to prevent customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If there are no in-network contractors near you, the warranty company may let you choose your own. 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?

Knowledge of your warranty company's claim process can make all the difference between an approval and a denial. If you're facing a covered issue, you can usually file a claim over the phone or through the web. While most claims should have a 24 to 48-hour response time, there might be delays if you file outside standard business hours. If the home warranty company grants initial approval to your claim, they'll connect you to a service contractor from their network. The contractor will schedule a consultation with you to examine the appliance firsthand. Once they get final approval from the warranty company, they'll proceed to make repairs and manage billing on your behalf.

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

If you need to move, most home warranty contracts include a clause permitting you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others levy 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 finalizing a home warranty, we strongly recommend reading a sample contract. Learning more about the company's terms and conditions will help you determine the best fit. It'll also help you advocate for yourself if you need to file a claim. Keep an eye out for these key terms and clauses in your research:

Cancellation: You'll typically find the warranty company's cancellation policy inside the sample contract fine print. Depending on the company, if you cancel within the first 30 days of enrollment, you might receive a full refund of the entire premium.
Workmanship guarantee: Workmanship guarantees help protect you from additional service call fees if an in-network technician unsuccessfully tried to fix a covered issue. Most guarantees are 30 days long, but some companies offer longer periods.
Exclusions: Be sure to familiarize yourself with component-specific exclusions in the home warranty company's sample contracts. Some parts of an appliance may be excluded even if the appliance itself is generally covered under the policy.
Coverage limit: Each home warranty has a coverage limit that limits the total dollar amount that the company will pay per claim. There might also be an annual coverage limit or other stipulations.
Service call fee: Each time you file a claim, the home warranty or repair company will levy a service call fee. These fees usually run from $75 to $125.

Facts about Waxhaw

Average High in July

89°F

Waxhaw

83°F

National Average

Average Low in January

33°F

Waxhaw

17°F

National Average

Average Daily Sunlight

70%

Waxhaw

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 Waxhaw, North Carolina

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