Is a Home Warranty Worth It?

    Jason Iacovelli NMLS #3370

    Are Home Warranties Worth It in NC?

    By Jason Iacovelli, NMLS #3370 | Updated December 2025

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    Are home warranties worth it in North Carolina?

    Home warranties cost $400-$800/year plus $75-$125 per service call in NC. They're worth it for older homes (10+ years) with aging systems where you can't afford unexpected $3K-$8K repairs. They're NOT worth it for new construction with builder warranties or homes with recently replaced systems. Top companies include American Home Shield, Choice, and First American.

    Jason Iacovelli, Licensed Mortgage Broker | NMLS #3370Updated: December 31, 2025

    Key Takeaways

    • Home warranties cost $400-$800/year + $75-$125 per service call
    • Covers: HVAC, plumbing, electrical, appliances
    • Worth it for older homes (10+ years) with aging systems
    • Not worth it for new construction with builder warranties
    • Top companies: American Home Shield, Choice, First American

    Home warranties cost $400-$800/year in NC and cover major systems and appliances. They're worth it for older homes (10+ years) but unnecessary for new construction with builder warranties.

    What's Covered

    Typical Coverage:

    • HVAC systems (heating and cooling)
    • Plumbing and electrical systems
    • Water heater
    • Kitchen appliances (refrigerator, dishwasher, oven)
    • Washer and dryer (optional add-on)
    • Garage door opener

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    When Home Warranties Make Sense

    Buying older home (10+ years), systems near end of lifespan, can't afford $3K-$8K emergency repairs, or seller offers to pay for first year.

    When to Skip Home Warranties

    New construction with builder warranties, all systems recently replaced, you have emergency fund for repairs, or home inspection shows everything in good condition.

    Written by

    Jason Iacovelli

    Licensed Mortgage Broker

    NMLS #337020+ Years ExperienceWake County Specialist

    Jason Iacovelli is a licensed mortgage broker serving the Raleigh-Durham Triangle area. Jason helps buyers understand all aspects of homeownership, including home warranties and protection options.

    Last reviewed and updated: December 31, 2025

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    Frequently Asked Questions About Home Warranties

    Understanding home warranties in North Carolina

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