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Last Updated: February 25, 2025
Homeownership in Morganton can be satisfying for many, but it also comes with its fair share of headaches. Home repairs can be an unanticipated financial burden for many homeowners. A home warranty in Morganton can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Finding the best home warranty on the market can be difficult, since there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the best home warranty companies in Morganton 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 offers the most trustworthy home warranty for Morganton residents. Liberty has over 6 years of experience in the home warranty market and in that time has built a an network of service professionals nationwide. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Liberty, you can enjoy 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. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $75.
Read more by visiting our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, 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 offers the best overall home warranty for Morganton residents. Choice has over 15 years of experience in the home warranty market and in that time has built a an network of service professionals nationwide. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Choice, you can enjoy 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. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are an affordable $85.
Read more by visiting our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, 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 offers the most cost-effective home warranty for Morganton residents. Select has over 11 years of experience in the home warranty market and in that time has built a an network of service professionals nationwide. The 3 plans from Select are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Select, you can enjoy 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. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $60.
Read more by visiting our Select Home Warranty Review. To get a free quote from Select Home Warranty, 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 offers the most customizable home warranty for Morganton residents. AHS has over 26 years of experience in the home warranty market and in that time has built a an network of service professionals nationwide. The 3 plans from AHS are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from AHS, you can enjoy 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. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
Read more by visiting our American Home Shield Review. To get a free quote from American Home Shield, 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 offers the best home warranty for appliance coverage for Morganton residents. First American has over 39 years of experience in the home warranty market and in that time has built a an network of service professionals nationwide. The 2 plans from First American are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from First American, you can enjoy 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. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $85.
Read more by visiting our First American Home Warranty Review. To get a free quote from First American Home Warranty, 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 offers the home warranty with the best workmanship guarantee for Morganton residents. Cinch has over 44 years of experience in the home warranty market and in that time has built a an network of service professionals nationwide. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from Cinch, you can enjoy 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. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
Read more by visiting our Cinch Home Services Review. To get a free quote from Cinch Home Services, 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 offers the best home warranty with the quickest service for Morganton residents. HSC has over 15 years of experience in the home warranty market and in that time has built a an network of service professionals nationwide. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance coverage. With a home warranty from HSC, you can enjoy 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. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
Read more by visiting our The Home Service Club Review. To get a free quote from The Home Service Club, 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 | $5,594 |
| Heating | $3,730 |
| Electrical | $559 |
| Toilets | $466 |
| Washer/Dryer | $746 |
| Plumbing | $559 |
| Oven | $1,492 |
| Fridge | $559 |
A home warranty is a protection plan that assists Morganton homeowners in lowering the expenses of appliance and system repairs. The plans provide financial coverage to swap out or fix appliances and systems that stop working due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty company then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid high-priced emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with systems near the end of their life span. However, people with newer homes and modern appliances may not require a home warranty.
Home warranties cover your home systems and appliances. Common covered appliances are dryers, garbage disposals, dishwashers, washers, microwaves, refrigerators, and more. Covered systems are normally air conditioning, electrical, heating, and plumbing. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Morganton should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Be diligent about completing preventative maintenance to ensure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to learn before signing, such as:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties have significant variation in what they include. Basic policies typically cover heating, AC, plumbing, electrical, and appliances, while more comprehensive plans may also cover pools, well pumps, spas, and roof leaks. Look for providers with a range of coverage choices, such as upgraded plans. You'll want to tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with more affordable fees to maximize savings on every claim. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive ratings and reviews indicate that a provider is known for top-tier service.
Home warranty businesses maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to find out how many repair technicians they have in Morganton and get an idea for how fast your repairs could take place in an emergency situation. Wider networks raise the chances of getting qualified contractors to promptly service your home.
Home warranty companies often include perks such as maintenance discounts, coverage for smart home devices, and energy efficiency upgrades. These extras add value beyond just repair coverage. Additional perks can maximize the usefulness of your home warranty.
Home warranty plans are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Morganton hitting an average high of 66℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours finding and selecting a repair person to fix your appliance or system, home warranty companies do the hard work for you and send a trusted professional to your door whenever you need them. Another added benefit of having a home warranty plan is that it can increase your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you have your home warranty with.
One disadvantage of purchasing a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be covered under the home warranty, so it’s important to read through any contracts you’re considering carefully to understand what is included and what isn’t.
Another thing to take into consideration is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty company for clarification about these things if you aren’t sure or if this is an issue for you.
A home warranty policy costs, on average, around $300 to $600 a year in Morganton. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's usually cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. Homeowners insurance protects your entire home in a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Morganton.
First-time homebuyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty can cover your home’s systems, appliances, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Generally, a home warranty offers coverage for a year and can be renewed yearly. Some companies may offer month-to-month options.
Typically, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees. In Morganton, where the median value of a home is $233,983, having the seller pay for the home warranty can save you some money on your new home.
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