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Last Updated: February 25, 2025
Homeownership in Cary comes with lots of perks, but it also comes with its difficulties. Your home’s appliances and systems will inevitably need repairs, and this could mean a burdensome expense. A home warranty in Cary can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Finding the best home warranty on the market can be challenging, as there are so many companies to choose from. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Cary for you.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Cary residents. The 3 plans from Liberty are easily comprehensible and offer a mix of both system and appliance coverage. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
Read our Liberty Home Guard full review to learn more. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Cary residents. The 2 plans from Choice are easily comprehensible and offer a mix of both system and appliance coverage. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
Read our Choice Home Warranty full review to learn more. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Cary residents. The 3 plans from Select are easily comprehensible and offer a mix of both system and appliance coverage. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
Read our Select Home Warranty full review to learn more. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Cary residents. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
Read our American Home Shield full review to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Cary residents. The 2 plans from First American are easily comprehensible and offer a mix of both system and appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500 at the maximum.
Read our First American Home Warranty full review to learn more. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Cary residents. The 3 plans from Cinch are easily comprehensible and offer a mix of both system and appliance coverage. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000 at the maximum.
Read our Cinch Home Services full review to learn more. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Cary residents. The 2 plans from HSC are easily comprehensible and offer a mix of both system and appliance coverage. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
Read our The Home Service Club full review to learn more. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,435 |
| Heating | $4,290 |
| Electrical | $644 |
| Toilets | $536 |
| Washer/Dryer | $858 |
| Plumbing | $644 |
| Oven | $1,716 |
| Fridge | $644 |
A home warranty is a protection plan that helps Cary homeowners reduce the high costs of household repairs. These plans offer financial coverage to fix or swap out appliances and systems that break down from normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners because it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances might not require a home warranty.
Home warranties safeguard your home systems and appliances. Common appliances covered under a home warranty include microwaves, refrigerators, garbage disposals, dryers, washers, dishwashers, and more. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranties offer additional add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. Most home warranty plans require Cary homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some key home warranty terms to understand before signing a contract:
There are several key factors to consider when choosing a home warranty provider:
Home warranty plans vary widely in what they include. Most plans provide protection for plumbing, electrical, AC, heating, and appliances. More robust plans also include coverage for other items such as spas, well pumps, roof leaks, and pools. Look for companies with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your home’s needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain companies may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty company's track record gives you insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Positive ratings and reviews indicate a provider known for stellar service.
Home warranty businesses maintain networks of local technicians to handle repairs in your area. Reach out to potential providers to find out how many repair contractors they have in Cary and get an idea for how quickly your repairs could take place in an emergency situation. Bigger networks increase the probability of getting qualified contractors to swiftly service your home.
Some home warranty plans include extras such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These can add value beyond just repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Since temperatures in Cary can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of vetting service technicians by yourself, home warranty companies do the work for you and send a contractor from their network right to your door when you need them. Plus, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and help your home sell faster.
As for the drawbacks of home warranties, home system and appliance coverage varies by company, so it’s important to understand what each policy covers and excludes in the contract.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They commonly won’t cover home systems or appliances that have stopped working due to improper maintenance, animal infestations, natural disasters, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Cary. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a fire or natural disaster. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or stove, unless the damage is a result of a natural disaster, which is somewhat common in Cary.
First-time homebuyers, home sellers, homeowners, real estate agents, and landlords are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Cary include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers your home systems and appliances, such as your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the items listed in the policy.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Cary, where the median value of a home is $600,054, having the seller pay for the home warranty can save you some money on your new home.
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