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Best Home Warranty Companies In south carolina 2025

South Carolina’s charm extends beyond its beautiful beaches and vibrant cities. However, like any home, yours can experience unexpected appliance breakdowns or system failures. Don’t let these worries disrupt your Southern serenity. This guide unveils the best home warranty companies in South Carolina, empowering you to find the perfect shield for your home and budget.

Our Picks: 5 Best Home Warranty Companies For south carolina Residents

Exploring the home warranty landscape in South Carolina can be complex. To assist you in making a knowledgeable choice, we have listed the top home warranty companies in South Carolina. This comparison simplifies selecting the ideal provider that aligns with your requirements and financial plan.

OUR #1 PICK
1

Elite Home Warranty

  • Strong protection for systems in humid climates.
  • Comprehensive add-ons for exterior water and sewer lines.
  • Affordable service fees with transparent contracts.
$150 Off + 1 Month Free. 30 Day Free Trial!
4.9
Excellent
fourhalf_star
Call Now
MOST POPULAR
2

Choice Home Warranty

  • Reliable coverage for systems in humid climates.
  • Optional add-ons for pools, spas, and sprinkler systems.
  • Affordable premiums with straightforward contracts.
1st month free + Free roof coverage
4.1
Excellent
fourhalf_star
BBB ACCREDITED
3

America’s First Choice

  • Reliable protection for appliances in humid environments.
  • Optional add-ons for pools, spas, and sprinkler systems.
  • Transparent pricing with no hidden fees.
20% Off All Plans + Free Roof Leak Coverage
4.3
Excellent
fourhalf_star
BEST RATED BY U.S. NEWS
4

ARW Home – American Residential Warranty

  • Affordable plans with flexible pricing options.
  • Wide variety of add-on coverages for customized protection.
  • Excellent customer support and transparent terms.
2 Months FREE* on All Plans
4.3
Excellent
fourhalf_star
5

Regency Total Home Warranty

  • Covers essential home systems and appliances for peace of mind.
  • Available in all 50 states for consistent service.
  • Round-the-clock assistance for claims and repairs.
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
4.1
Excellent
fourhalf_star

Are Home Warranty Plans Beneficial For South Carolina Homeowners?

Shield your wallet and safeguard your peace of mind by discovering the benefits of home warranty plans in South Carolina!

  • Safeguard your budget from the unexpected costs of repairing or replacing essential cooling systems like air conditioners, a common concern in South Carolina's warm climate.
  • Mitigate the financial impact of appliance breakdowns caused by power surges or other weather-related events, which can be more frequent in South Carolina due to its coastal location and potential for storms.
  • Guard your valuable home against the high cost of repairs for major systems like plumbing and electrical, which are often more expensive to fix in older South Carolina homes.
  • Enjoy the serenity of coastal living without worrying about surprise repair bills, especially for appliances prone to wear and tear in beach environments, like dishwashers and refrigerators.
  • Many home warranty companies in South Carolina partner with local, pre-approved contractors, allowing you to contribute to the state's economy while receiving quality service.

How Much Does A South Carolina Home Warranty Cost?

Here's a breakdown of the average costs associated with home warranty plans in South Carolina:

Average Annual Cost

$612

Average Monthly Cost

$51

Average Service Fee (Deductible)

$75 - $150 per claim

It's important to remember that these are just averages, and your actual costs may vary depending on several factors, including:

  • Coverage level: Plans with broader coverage for more appliances and systems will typically cost more than basic plans.
  • Deductible: Choosing a higher deductible can lower your monthly premium, but you'll be responsible for paying more out of pocket for each repair.
  • Location: Home warranty costs can vary slightly depending on your location in South Carolina.
  • Age and condition of your home: Older homes or those with known maintenance issues may be more expensive to insure.

Home Warranty Coverage In South Carolina

While specific coverage details vary by provider, here’s a general overview of what home warranties typically cover in South Carolina, along with some exclusions and additional considerations:

Common Coverages

  • Major appliances: Refrigerators, dishwashers, ovens, ranges, garbage disposals, clothes washers, and dryers are among other appliances that are usually covered by a home warranty.
  • Major systemsElectrical wiring and components, plumbing systems, and HVAC systems, including components like furnaces, ductwork, and central air conditioners, are some of the major systems that get covered.
  • Additional coveragesSome companies offer optional add-ons for specific needs in South Carolina, such as pool and well pump protection, septic system coverage, or roof leak repairs (limited coverage).

Common Exclusions

  • Cosmetic issuesDamage not affecting functionality, like scratches or appliance dents, are usually excluded.
  • Pre-existing conditionsCompanies generally do not cover existing wear and tear, improper installation, or damage caused by neglect or lack of maintenance.
  • Specific exclusionsCarefully review the policy wording to understand what’s not covered, as it can vary between companies. For example, some plans might exclude ice makers, garbage disposals, or specific brands of appliances.

Here Are Some Additional Points To Consider

  • Coverage limitsConsider the maximum amount a plan will pay for each repair or replacement.
  • Service call feesBe aware of the service fee you’ll be responsible for paying each time you file a claim.
  • Renewal process and price increasesUnderstand the process for renewing your plan and if there are potential price increases upon renewal.

Who regulates Home Warranty Companies In South Carolina?

The South Carolina Department of Insurance (SCDOI) oversees and enforces regulations governing home warranty companies in South Carolina. Their primary goal is to protect consumers from unfair or deceptive practices within the industry.

How they are regulated:

  • Registration: All home warranty companies operating in South Carolina must register with the SCDOI. This ensures they meet basic qualifications and adhere to established regulations.
  • Licensing: Companies are required to obtain a South Carolina Home Service Contract License. This license signifies they have paid the necessary fees and met the state's licensing requirements.
  • Financial Requirements: Companies must demonstrate financial solvency to fulfill their obligations to policyholders.

Final Word

While several reputable companies offer various plans, prioritize your specific needs and budget when comparing options. Common mistakes homeowners make include needing to thoroughly review coverage details and exclusions and overlooking service call fees. 

Remember, regular maintenance of your appliances and systems prevents unnecessary breakdowns and maximizes the benefits of your chosen plan.

Frequently Asked Questions (FAQs)

Is A Home Warranty Mandatory In South Carolina?+

What Are The Most Common Appliance Repairs In South Carolina?+

Do Home Warranty Companies Provide Workmanship Guarantee?+

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