Home Warranty by Statethe rosters, each on its own date

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Sheet 27 of 50 · NC

Home warranty rules in North Carolina

What the trade sells as a home warranty is, in law, a service contract: a paid promise to repair or replace named home systems and appliances. North Carolina's statute calls it a "warranty (on fixtures to real property); home appliance service agreement". It is not a builder's or manufacturer's warranty and it is not homeowners insurance; the contract you receive governs.

Facts read on state pages; sheet drawn October 16, 2026.

On file with the state

Regulator

Statute or program

The statute's word

warranty (on fixtures to real property); home appliance service agreement

Regime

the statute says these contracts are not insurance, and we found no state filing for them

Roster

not confirmed in this build

Roster as of

no list, so no date

The rules, in plain words

  1. A repair or replace warranty on real property fixtures that excludes fire, flood, and wind perils is not insurance, but the issuer must post a surety bond of at least $100,000 with the Secretary of State. Source.
  2. Home appliance service agreement companies must carry reimbursement insurance covering all claims, or meet a $100M net worth test, or keep a 40% funded reserve. Source.
  3. NCDOI says it does not regulate companies that sell service agreements and sends complaints to the Attorney General. Source.

The roster

No roster of home service contract companies published by North Carolina could be confirmed in this build. If the state starts one, this sheet will print it as the state's own list on its own date. Registration, where a state keeps it, is not a quality rating.

Before you sign, in any state

  1. Ask for the full contract, not the brochure, and read the exclusions page first.
  2. Find the waiting period and the service call fee in the contract itself.
  3. Find the company that pays claims (the obligor) by name, and check that name on the state list if there is one.
  4. Note the cancellation terms and how a refund is figured.

Sources for this sheet

Read the method on how the sheets are made. Corrections go to the publisher and are dated on the sheet.

The other sheets