Best Home Warranty Companies in South Carolina (2025)

• Doesn’t exclude coverage for items with existing damage and issues, a rare feature 
• Includes free roof-leak coverage with its highest plan, ShieldPlatinum
• Offers up to $5,000 in heating and cooling coverage, a benefit considering South Carolina’s climate 

Keep in Mind

• Limits its workmanship guarantee to 30 days, shorter than many competitors
• Restricts coverage customization with only six add-on options

American Home Shield (AHS) is a solid choice for South Carolina homeowners, especially if you’re dealing with older systems or appliances. Unlike most home warranty companies, it covers undetectable preexisting conditions, so you don’t have to worry about prior issues being excluded from your plan. Plus, it offers up to $5,000 in HVAC coverage—a huge benefit in South Carolina, where heating and cooling systems work hard year-round. The company’s top-tier plan, ShieldPlatinum, adds even more perks, such as a free annual HVAC tune-up and $1,000 in roof-leak coverage.

However, AHS has some coverage limitations. The company’s 30-day workmanship guarantee matches the industry standard but falls short of competitors such as Elite Home Warranty, which offers up to 60 days. It also offers only six add-on options, so if you want to cover extras such as a second fridge or sprinkler system, you might find its plans a bit limited.

Here’s an overview of AHS’s plan options:

• ShieldSilver ($40–$50 per month): This plan offers system-only coverage for 14 major systems, such as your HVAC, plumbing, and water heaters. 
• ShieldGold  ($60–$70): The company’s lowest comprehensive plan includes 14 systems and nine home appliances, including clothes washers, dryers, and cooktops. 
• ShieldPlatinum ($90–$100): The highest plan tier offers ShieldGold coverage plus additional perks, including roof-leak coverage and a free HVAC tune-up. 

We reviewed an AHS sample contract and noted key details about its coverage. HVAC systems and ductwork include protection up to $5,000, while plumbing and electrical systems have no specified cap. ShieldSilver and ShieldGold plans include $2,000 in coverage for major appliances, with ShieldPlatinum increasing this limit to $4,000. You can choose between a $100 or $125 service fee—opting for a lower fee increases the monthly premium and vice versa.

AHS offers six add-on options, fewer than the industry average of 8–12. Add-on pricing ranges from $5–$24 per month, with coverage amounts varying from $500–$3,000 based on the item. You can add roof-leak coverage to the ShieldSilver and ShieldGold plans for $10 per month.

Below are some of the available add-ons offered by AHS:

• Guest unit
• Pool and built-in spa equipment
• Roof-leak repair
• Septic pump
• Well pump

• Backs repairs with a 90-day guarantee for parts and 60 days for labor 
• Includes 11 add-on options, including roof leak and septic system coverage 
• Offers $3,000 limits on most covered items, including cooling and heating systems

Keep in Mind

• Charges a flat $100 service call fee for all repairs
• Limits coverage to two comprehensive coverage options 

Choice Home Warranty is a budget-friendly option for South Carolina homeowners who need comprehensive coverage on both systems and appliances. With $3,000 limits on covered items such as air conditioners and kitchen appliances, Choice offers solid protection for your home essentials. Its top-tier plan costs just $55 per month, making it slightly more affordable than similar plans from Elite. Plus, Choice backs its repairs with longer guarantees—90 days for parts and 60 days for labor—which is better than what AHS and First American Home Warranty provide. This means you have coverage for repairs for longer, giving you added peace of mind.

However, Choice isn’t as flexible as other providers. The company only offers two comprehensive plan options, which might result in you having more coverage than you need if you only want to protect systems or appliances. It also charges a flat $100 service call fee for repairs, with no flexible rate options. In addition, Choice is currently involved in a lawsuit with the Arizona Attorney General’s Office over deceptive sales practices, which is worth considering when choosing a provider.

Here’s a breakdown of Choice’s home warranty coverage:

• Basic Plan ($46 per month): The lowest comprehensive plan tier includes six appliances and eight systems, including plumbing systems, dishwashers, and garage door openers.
• Total Plan ($55 per month): This highest plan includes nine appliances and nine systems, adding air conditioners, washing machines, clothes dryers, and refrigerators.

The Choice Home Warranty sample contract outlines a $3,000 limit that includes access, diagnosis, and repair costs, regardless of whether you choose a monthly or annual plan. The Basic Plan doesn’t cover air conditioning systems, refrigerators, or clothes washers and dryers—you’ll need to upgrade to the Total Plan to include those important protections.

The company’s add-on catalog features 10 options, with prices ranging from $5–$15 per month. However, add-ons have lower coverage limits, typically between $250 and $500 per item. For example, roof-leak coverage maxes out at $500, which is considerably lower than what First American and AHS provide. For South Carolina homeowners, this could mean higher out-of-pocket costs for major repairs on certain items.

Here are a few add-ons Choice offers:

• Central vacuum
• Limited roof leak
• Pool and spa
• Septic system
• Septic tank pumping

• Offers three standard plans and one fully customizable option 
• Provides up to $3,000 for heating and cooling systems and $5,000 for HVAC systems
• Has the largest add-on catalogs of any provider we reviewed 

Keep in Mind

• Charges a higher $150 service fee for certain repairs  
• Limits heating and cooling coverage for the first 90 days of service 

Elite Home Warranty is a good option if you’re looking for flexibility with your home warranty. It provides appliance-only, system-only, and comprehensive plans, allowing you to select the coverage that best fits your home needs. For South Carolina homeowners, this means you can choose the right amount of protection, whether for your HVAC system or your entire home. With the “Customize Your Own” plan, you can handpick the items that matter most to you. Elite covers up to $3,000 for separate heating and cooling units or up to $5,000 for a full HVAC system. You can also choose from 27 add-ons to further tailor your coverage, including options for HVAC annual maintenance and upgrades to expand coverage on appliances and systems.

However, Elite charges a $150 service call fee for after-hours or weekend repairs, high-end appliances, and some add-ons such as septic systems, well pumps, and pools or spas. Additionally, heating, cooling, and water heater coverage is limited during the first 90 days of service. So, if you need repairs right away, you might have to cover most of the costs yourself.

Here’s an overview of Elite’s home warranty plans: 

• Elite Appliances ($45 per month): The lowest plan covers 10 appliances, including garbage disposals, built-in microwaves, and ovens. 
• Elite Systems ($50 per month): The system-only plan protects eight systems, including HVAC, plumbing systems, and garage door openers. 
• Elite Complete ($60 per month): The highest plan includes all 18 systems and appliances. 

While reviewing an Elite Home Warranty sample contract, we found that the company imposes a $15,000 aggregate or overall limit for covered repairs annually. This means that once you’ve reached $15,000 in claims payouts, you will have to pay any additional repair costs for the remainder of your plan term out-of-pocket. Plans include a $70 service call fee for most repairs, except for the situations mentioned earlier. Coverage limits vary, with appliances ranging from $250–$3,000 and systems from $250–$5,000.

Elite also offers an extensive catalog of more than 30 add-ons, with coverage limits ranging from $500–$7,000. Add-on costs depend on your location and selected plan, so we recommend requesting a sample quote for accurate pricing.

We’ve highlighted a few available add-ons below:

• Annual HVAC maintenance
• Lawn sprinkler system
• Limited roof-leak repair
• Water softeners
• Well pump

• Offers up to $7,000 in coverage for appliances, the highest limit in this review
• Includes no coverage caps for heating and cooling systems 
• Provides coverage for roof leaks with its highest plan 

Keep in Mind

• Doesn’t offer system-only or appliance-only plan options 
• Excludes air conditioning coverage from its lowest plan tier

First American Home Warranty could offer a solid choice if you need coverage for high-end appliances or complex home systems. The company provides up to $7,000 in appliance coverage under its Premium Plan, which is useful for South Carolinians with luxury kitchen appliances. Plus, it offers unrestricted coverage limits for most systems, including air conditioning and heating, so you can feel secure knowing you have protection for these important home components. First American also offers the First American Advantage upgrade, giving you extra peace of mind by covering items damaged due to improper installations or modifications—something not many other home warranty companies offer.

However, First American has some coverage limitations. Like Choice, it doesn’t offer separate plans for systems and appliances, which means you may end up paying for coverage you don’t need. The Starter Plan also excludes air conditioning, laundry appliances, and water heaters. While you can add central air conditioning coverage as an add-on, you’ll need to upgrade to a more expensive plan to cover those other items.

Below is a breakdown of First American’s plan options:

• Starter Plan ($45–$50 per month): This comprehensive plan covers eight appliances and four systems, such as plumbing stoppages, ranges, and electrical systems. 
• Essential Plan ($60–$65 per month): This plan covers 11 appliances and six systems, including air conditioners, clothes washers and dryers, and water heaters. 
• Premium Plan ($80–$85 per month): The highest plan tier protects 11 appliances and eight systems, including full garage door systems, faucets, and luxury appliances.

According to a First American Home Warranty sample contract, the Starter and Essential plans have a $3,500 coverage limit per appliance. The Premium Plan increases the appliance limit to $7,000 per covered item. For system coverage, the Essential Plan provides a $1,000 limit for water heaters, while the Premium Plan offers unlimited coverage for this item. Plans include either a $100 or $125 service call fee, which is similar to AHS. 

First American offers 12 add-on options, ranging from $2–$21 per month, with coverage limits between $500 and $2,500. Adding roof leak coverage to the Essential and Premium plans costs $8 per month for South Carolina homeowners. This is more affordable than AHS, which offers the same amount of $1,000 in coverage.

Here are a few of First American’s add-on options:

• Additional refrigeration
• Central air conditioning (Starter Plan only)
• HVAC tune-up
• Limited roof-leak
• Well pump

• Doesn’t set a coverage limit for HVAC systems, a benefit in South Carolina 
• Includes a plan-length workmanship guarantee  
• Lets you choose your own repair technician

Keep in Mind

• Offers lower plan coverage for certain items, including plumbing
• Has a depreciation policy that can reduce payouts for older items 

AFC Home Warranty could offer a good fit for South Carolina homeowners who value reliability and flexibility with their home repairs. The company’s plan-length workmanship guarantee sets it apart from other providers that only cover repairs for 30–90 days, offering added peace of mind throughout your contract. The ability to choose your own repair technician is another standout feature, allowing you to work with a trusted local professional instead of being restricted to the company’s network. Plus, AFC Home Warranty’s unlimited coverage for heating, cooling, and water heaters provides homeowners in South Carolina with valuable protection against costly repairs. The company also includes free roof-leak coverage with every plan tier, a rare benefit. 

However, First American’s coverage for other systems is relatively limited, with caps ranging from $150–$500. For instance, the company’s $500 plumbing repair limit is significantly lower than many competitors, which could result in higher out-of-pocket expenses. The company also applies a depreciation policy that can reduce payouts for older systems and appliances, which might leave owners with aging homes with less comprehensive coverage.

Below is an overview of AFC Home Warranty’s coverage plans:

• Silver Plan (call for a quote): This plan covers nine major appliances, including stoves, dishwashers, and kitchen refrigerators. 
• Gold Plan ($49–$58 per month): This mid-tier plan includes nine appliances and six home systems, including electrical, heating, and plumbing. 
• Platinum Plan ($58–$67 per month): A mid-plan tier that includes 19 home items, such as ceiling and exhaust fans, built-in microwaves, and refrigerator ice makers.
• Diamond Plan ($89–$50 per month): The highest plan level covers 22 items, adding electronics, exterior sewer line, and exterior water line coverage. 

After reading through an AFC Home Warranty sample contract, we discovered that many of the company’s coverage limits vary between items. For appliances, you receive coverage limits between $150–$3,000. Other providers, including AHS and Choice, offer more consistent caps for covered items. However, AFC Home Warranty offers flexible service call fees of either $75 or $125, allowing you to choose a rate that works best for your budget.

AFC Home Warranty offers eight add-ons for its plans, which is typical for a home warranty company. Most add-ons have an annual rate, except for electronics coverage, which is billed monthly. Prices for add-ons range from $25–$150 per year, with coverage amounts varying between $150 and $500 depending on the item. The complimentary roof leak coverage provides $250 in coverage, which is lower than what many other providers offer.

We’ve highlighted a few of AFC’s add-on options below:

• In-ground pool
• Roof-leak coverage
• Septic system
• Standalone freezer
• Sump pump