Buyer Guides
Home Warranties in NC
A home warranty covers repair or replacement of major systems and appliances. In the Charlotte market, warranties are a common negotiation point. Understanding what they cover and their limitations helps you decide if one is worth it.
Common Questions
Are home warranties worth it in Charlotte?
For resale homes with older systems (10+ year HVAC, aging water heater, older appliances), a home warranty can provide peace of mind for $400-$600 per year. For newer homes still under builder warranty, they are generally unnecessary.
What does a home warranty cover?
Standard plans cover HVAC, plumbing, electrical, water heater, and major appliances. Enhanced plans add roof leak coverage, pool equipment, and additional items. Pre-existing conditions are typically not covered.
Who pays for the home warranty in NC?
In the Charlotte market, the seller typically provides a one-year home warranty as part of the transaction. This is negotiable and can be offered by either party.
What is the difference between home warranty and homeowners insurance?
Homeowners insurance covers damage from events (fire, storm, theft). Home warranty covers mechanical breakdown of systems and appliances from normal wear. They are separate products that serve different purposes.
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