8 Best Home Warranty Companies In Richmond, VA

Are you searching for the best home warranty for you in Richmond? We can help.

Richmond is a great area in the state of Virginia to be a homeowner. Closing on a new home is just the beginning, however. You still have to maintain it, which can put a dent in your bank account. When your air conditioner fails in the middle of summer, you can end up struggling to find a repairperson to handle it.

Compare the Best Home Warranty Companies in Richmond

There are dozens of plans that we had to examine to be able to put together our guide of the top home warranty plans in Richmond. At Review Home Warranties, we took the time to evaluate each of these providers and ranked them according to the policy's features. The service fees, workmanship guarantee, customer service reviews, years in the industry, and monthly costs were all reviewed to figure out the very best policies in the Richmond area. Here is how the best providers in the Richmond area rank.

Company Name Choice Home Warranty Liberty Home Guard American Home Shield
Number of Plan Options 2 3 3
Monthly Plan Cost $45.00 - $53.33 $69.99 - $79.99 $29.27 - $74.27
Better Business Bureau Rating B A B
Reviews Reviews Read Choice Home Warranty Reviews Reviews Read Liberty Home Guard Reviews Reviews Read American Home Shield Reviews

Home Warranty Companies In Richmond

  1. Choice Home Warranty: Best Overall
  2. Liberty Home Guard: Most Trustworthy
  3. American Home Shield: Most Customizable
  4. Select Home Warranty: Most Cost-Effective
  5. Cinch Home Services: Best Workmanship Guarantee
  6. First Premier Home Warranty: Best Coverage
  7. The Home Service Club: Best Quick Service
  8. First American Home Warranty: Best Appliance

Richmond's Top Home Warranty Companies'

#1 Choice Home Warranty

Editorial Rating 98.5

    Pros:
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
  • 90-day repair guarantee

Choice Home Warranty is the best option for homeowners who want the best overall in Richmond. Choice offers 2 plans for you to decide between, which have a combination of system and appliance coverage. The home warranty plans from Choice Home Warranty include Basic Plan and Total Plan.

The coverage caps for Choice's plans are close to the $3,000 mark for most major home systems and appliances, and service fees are $85. If you'd like high coverage caps and a contract that's easy to understand, this is the home warranty for you.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Basic Plan $45.00 $85.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater.

Basic Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer.

Basic Plan Add On

Total Plan $53.33 $85.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator.

Total Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer.

Total Plan Add On

#2 Liberty Home Guard

Editorial Rating 98

    Pros:
  • 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

For homeowners who need the most trustworthy in Richmond, homeowners should consider picking Liberty Home Guard. The 3 plans that Liberty offers include options for appliance and system coverage. The Appliance Guard, Systems Guard, and Total Home Guard are the options the company has, and it also has add-on coverage.

Liberty has coverage caps of around $3,000 for most systems and appliances, but with some plans, the coverage caps can be higher, so it's a good idea to verify with the company. Service fees are $75. When you have a home warranty from Liberty, you can benefit from guaranteed professionalism for every repair and some of the best customer service in the industry.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Appliance Guard $69.99 $75.00

View Items Covered

Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer.

Appliance Guard Included Item

View Add-on Items

Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser.

Appliance Guard Add On

Systems Guard $74.99 $75.00

View Items Covered

Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater.

Systems Guard Included Item

View Add-on Items

Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser.

Systems Guard Add On

Total Home Guard $79.99 $75.00

View Items Covered

Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater.

Total Home Guard Included Item

View Add-on Items

Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser.

Total Home Guard Add On

#3 American Home Shield

Editorial Rating 97.6

    Pros:
  • 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

In Richmond, American Home Shield is the most customizable home warranty plan. AHS has 3 plans for you to choose from, which contain a mix of appliance and system coverage. The home warranty plans from American Home Shield include ShieldSilver, ShieldGold, and ShieldPlatinum.

AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so it's important to verify with the provider. Service fees range from $70 to $125. Additionally, AHS has a customizable plan and a low claim denial rate.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
ShieldSilver $29.27 - $44.27 $75.00 - $125.00

View Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan.

ShieldSilver Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldSilver Add On

ShieldGold $39.27 - $54.27 $75.00 - $125.00

View Items Covered

Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan.

ShieldGold Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldGold Add On

ShieldPlatinum $59.27 - $74.27 $75.00 - $125.00

View Items Covered

Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan.

ShieldPlatinum Included Item

View Add-on Items

Pool, Spa, PC, TV, Septic, Well pump.

ShieldPlatinum Add On

#4 Select Home Warranty

Editorial Rating 97.2

    Pros:
  • 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

For homeowners who need the most cost-effective in Richmond, Select Home Warranty is a great option. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage. Homeowners can choose between Select Home Warranty's Bronze Care Plan, Gold Care Plan, and Platinum Care Plan and also add-ons.

The coverage caps for Select's plans are around the $2,000 mark for most of the major appliances and systems, and service fees are $80. When you purchase a plan from Select, you can look forward to an affordable service fee and free roof coverage.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Bronze Care Plan $57.67 $60.00

View Items Covered

Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer.

Bronze Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Bronze Care Plan Add On

Gold Care Plan $57.67 $60.00

View Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater.

Gold Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Gold Care Plan Add On

Platinum Care Plan $62.08 $60.00

View Items Covered

Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages.

Platinum Care Plan Included Item

View Add-on Items

Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks.

Platinum Care Plan Add On

#5 Cinch Home Services

Editorial Rating 96.5

    Pros:
  • Offers home insurance deductible of $500
  • Extra long 180-day workmanship guarantee
  • Offers free cancellation in the first 30 days

Cinch Home Services is the best choice for homeowners who need the best workmanship guarantee in Richmond. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage. Homeowners can choose between Cinch Home Services' Appliances Plan, Built-in Systems Plan, and Complete Home Plan and also add-on options.

Cinch has coverage caps of around $1,000-$2,000 for most systems and appliances, but some plans may have different coverage caps, so it's a good idea to verify with the company. Service fees range from $75 to $150. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee and a wide range of coverage options.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Appliances Plan $34.99 - $50.99 $75.00 - $150.00

View Items Covered

Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer.

Appliances Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Appliances Plan Add On

Built-in Systems Plan $39.99 - $57.99 $75.00 - $150.00

View Items Covered

Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan.

Built-in Systems Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Built-in Systems Plan Add On

Complete Home Plan $49.99 - $67.99 $75.00 - $150.00

View Items Covered

Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan.

Complete Home Plan Included Item

View Add-on Items

Pool, Septic, Well pump.

Complete Home Plan Add On

#6 First Premier Home Warranty

Editorial Rating 95.7

    Pros:
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls

First Premier Home Warranty has the best coverage home warranty for Richmond homeowners. The 2 plans from FPHW are easy to comprehend and have a mix of both system and appliance coverage. The plans that FPHW offers to homeowners are Premier Plan and Platinum Plan.

The coverage caps for FPHW's plans are close to the $1,500 mark for most of the major home systems and appliances, and service fees are $75. If you'd like a quality customer service team and coverage for your appliances and home systems at affordable prices, this is the home warranty for you.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Premier Plan $35.00 $75.00

View Items Covered

Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door, Microwave, Oven, Plumbing system, Plumbing stoppages, Sump pump, Trash compactor, Water heater.

Premier Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum.

Premier Plan Add On

Platinum Plan $43.00 $75.00

View Items Covered

Air conditioning, Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door opener, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Sump pump, Trash compactor, Washer, Water heater.

Platinum Plan Included Item

View Add-on Items

Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum.

Platinum Plan Add On

#7 The Home Service Club

Editorial Rating 95.3

    Pros:
  • 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

The Home Service Club is a great choice for homeowners who'd like the best quick service in Richmond. The 2 plans from HSC are comprehensive and offer a mix of both system and appliance coverage. The home warranty plans from The Home Service Club include Standard Coverage Plan and Comprehensive Coverage Plan.

Service fees from HSC are $60, $75, or $95, depending on the plan you choose. The coverage caps are also about $2,000 at the maximum. Additionally, HSC offers quick coverage just 10 days after purchasing the policy and a 30-day labor guarantee and a 90-day parts guarantee.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Standard Coverage Plan $50.40 $60.00 - $95.00

View Items Covered

Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater.

Standard Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Standard Coverage Plan Add On

Comprehensive Coverage Plan $62.90 $60.00 - $95.00

View Items Covered

Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan.

Comprehensive Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Comprehensive Coverage Plan Add On

#8 First American Home Warranty

Editorial Rating 94.7

    Pros:
  • 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

First American Home Warranty offers the best appliance home warranty plan for Richmond residents. The 2 home warranty plans that First American has include differing levels of system and appliance coverage, as well as add-on options. Its plans are Basic Plan and Premier Plan.

First American's service fees are $85, and the coverage caps come out to about $1,500 per covered system or appliance. If you're looking for comprehensive appliance coverage and a unique add-on that 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., you'll want to have this plan on your side.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Basic Plan $38.00 $85.00

View Items Covered

Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Microwave, Oven, Refrigerator, Trash compactor, Washer, Water dispenser.

Basic Plan Included Item

View Add-on Items

Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade.

Basic Plan Add On

Premier Plan $48.50 $85.00

View Items Covered

Attic fans, Ceiling fans, Cooktop exhaust fan, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Vacuum, Water heater, Washer, Water dispenser.

Premier Plan Included Item

View Add-on Items

Pool, Spa, Air conditioner, Septic tank, Septic, Well pump, First-class upgrade.

Premier Plan Add On

What does a Home Warranty Cover in Richmond?

Now that you know of the best home warranty providers in Richmond, it's a good idea to understand what these home warranties can actually cover. A home warranty is in place to protect against normal wear and tear of systems and appliances. The aim of a home warranty is to help protect against expenses of repairing and replacing your systems and appliances like your refrigerator or septic system. If your home has a pool and spa, this is something to consider getting add-on coverage for as well.

Some of the most common system coverages included under a home warranty in Richmond include:

  • Water heater
  • HVAC (heating and air conditioning)
  • Plumbing system
  • Electrical system

The appliances commonly covered are ones like:

  • Clothes Washer
  • Dishwasher
  • Refrigerator
  • Clothes Dryer
  • Oven / Range / Stove
  • Cooktop
  • Built-in Microwave

Cost of a Home Warranty in Richmond?

The main reason to have a home warranty plan in place is to save you money. The policy you get must fit your budget so it can do this. The costs of a home warranty plan will depend on the size of the home and the coverages that you select.

The service fees that home warranty companies offer range from $60-$150 and monthly premiums $30-$80, depending on the coverage you choose. Plus, if you get any add-on coverage, that will affect the cost. Keeping these costs in mind when choosing a plan will help make sure you get a great deal on your home warranty.

Is a Home Warranty Worth It in Richmond?

Having a home warranty can help ensure that your savings and your home is properly protected if an issue comes up. Homeownership is complicated, so having all of the information you need before jumping into a home warranty plan is important, which is why we're going to discuss some of the pros and cons of a home warranty. Let's take a look at the benefits associated with a home warranty first:

  • Peace of mind--As a homeowner, you may be concerned about your refrigerator or oven needing repairs at any time. Your home warranty can give you some peace of mind that in the event that something breaks, it will be covered.
  • Workmanship guarantee--After receiving a repair, if the problem comes back within the guarantee period, the home warranty will step in once again to help. The guarantee period is usually between 30 and 90 days.
  • Quality contractors--It is challenging to find good quality contractors with fair pricing. With a home warranty plan, you just file a claim, and the rest is handled for you.

Home warranties can help you save money, but you should also keep the following in mind when thinking of getting a home warranty:

  • Waiting period--Many home warranty companies require you to wait 30 days before you can submit a claim.
  • Choosing a contractor--You may not have the ability to pick your own contractor based on which home warranty provider you choose to go with.

Even though you need to pay a premium and service fee when you have a home warranty, you can still save a decent amount of money if you only make one service call a year. For example, the average cost of a drain pipe repair is $560, so if you paid a $400 premium for the year and a $100 service fee, that'd save you $60 on that one call alone.

FAQ's for Home Warranties in Richmond

Which home warranty is the best?

Our overall pick for the best home warranty in Richmond is Choice Home Warranty. However, the perfect company for you depends on the coverage you need for your appliances and home systems.

How is a home warranty different from homeowners insurance?

Home warranty policies cover issues with home systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a larger plan that protects the entire home from situations like natural disasters and fires. It doesn't cover typical appliance or system damage.

How does a home warranty work?

When a home system or appliance stops working, your home warranty can help. First, you file a claim, which you can do via phone or online. Then, the home warranty provider will send a contractor to your home and you will pay a service fee once the issue has been resolved.

Who should get a home warranty?

A home warranty can help investors, home buyers, home sellers, real estate agents, and homeowners. It can offer peace of mind to anyone that is involved with homeownership.

Our Rating Methodology

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what we value in our review process:

  • Plan options: Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics: The more items covered in a home warranty plan, the higher the score.
  • Pricing: We take the monthly fee and service fee into consideration when rating pricing.
  • Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability: Finding coverage in your state can be a challenge if home warranty companies aren't located there. The more states covered, the higher the score.
  • Customer service: Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
  • Additional benefits: Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.

Of the 50 different companies that we've reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

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