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Best Home Warranty in Richmond, Virginia

best home warranty company in richmond virginia review

Looking for the best home warranty in Richmond?

Perfect you’re in the right spot. In this guide you’ll learn:

  • Do I even need a home warranty in Richmond?
  • How much will a home warranty cost?
  • Will a home warranty be worth it for my Richmond home?
  • …and answers to many more of your most pressing questions.

After reviewing 68+ of the best home warranty companies , below are the top picks that we think are of the most benefit to Richmond residents. Continue reading!

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
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Top Home Warranty Companies for Richmond Homeowners

More Than 10 Years on the Market


Most Comprehensive Coverage Available


Free Reservice Period for Parts


Emergency Service Available


Cheapest and Best Basic Plan ($34/m)

Choice Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wisconsin, Wyoming, District of Columbia

American Home Shield is one of the first companies that started providing home warranty services to homeowners and real estate agents. The company offers a variety of contracts, including customized plans.

American Home Shield Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, Wyoming, District of Columbia

 Almost-Nationwide Service


 Majority of Client Reviews Online Are Positive


 Clearest Terms and Conditions


 Highest Contractor Professionalism


Best Gold Plan ("Platinum Care")

Select Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, West Virginia, Wyoming, District of Columbia, California

 Customer Service Available 24/7


 Least BBB Complaints


Great Reviews on Google Places


Reservice for Failed Parts


1 Free Month Upon Annual Sign-Up

ServicePlus Home Warranty Review

Clients from:  

 Virginia, Alabama, Alaska, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, West Virginia, Florida, Hawaii, Minnesota, New Hampshire, Rhode Island, Utah, Wisconsin, New Mexico, Maine, Massachusetts, North Dakota, South Dakota, Vermont, Wyoming, District of Columbia, Iowa

 Industry Veteran Award


Large and established company


 Top 3 Cheapest Plans ($25/month)


Low optional coverage costs




Coverage is capped at $500


Limited Selection of Optional Coverage Items

First American Home Warranty Review

Clients from:  

 Virginia, Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Idaho, Indiana, Iowa, Kansas, Kentucky, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Washington, West Virginia, Wyoming, District of Columbia

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Top 3 Home Warranty Companies Richmond (2021)

Company NameChoice Home WarrantyAmerican Home ShieldSelect Home Warranty
Number of Plan Options2 Plans3 Plans2 Plans
Monthly Plan Cost$45 – $55$35 – $65$36 – $45
BBB RatingBBB
ReviewsRead Choice Home Warranty ReviewsRead American Home Shield Reviews

Choice Home Warranty (Best Home Warranty Richmond) 

Choice Home Warranty is the best overall home warranty in the Richmond area. With Choice Home Warranty, you can get the protection of major systems and appliances all at a very fair price. One of the things that we love about Choice is that the plans are very straightforward and easy to understand. Your deductible, coverage, and monthly fees are all well laid out and clear before signing up. 

The home warranty coverage offered by Choice Home Warranty is broken into two plans. You can choose basic coverage for your home or a more comprehensive coverage option. Regardless of the plan, you go with the service providers, customer service team, and workmanship are all quite impressive with the Choice plans. 

Pros

  • Simple and straightforward plans
  • Only a few exclusions in the Total Plan
  • Home warranty work is completed quickly and professionally  

Cons

  • There is no option for a custom plan where you choose the appliances covered
  • You cannot choose your own technician or repair person to do the home service 

American Home Shield (Editors Choice)

American Home Shield is the premium home warranty company in Richmond. If you want to ensure that everything from your washer to your ductwork to your cooktop is covered, American Home Shield is the plan to help. The service contracts with American Home Shield are fully customizable, and you can pick and choose what your home warranty covers. 

The American Home Shield service fee is also customizable by paying just a little more in monthly fees; you can lower the cost each time you need a repair at home. Overall, American Home Shield or AHS is a bit more expensive than other Richmond home warranties, but the impressive coverage makes it well worth it.

Pros

  • Known for quality workmanship and customer service
  • AHS gives customers the ability to customize both plan and payment options
  • Pays out a large number of claims each year, more than most companies

Cons

  • The pricing is high for the more customized plan 
  • BBB rating is only a B, some issues with customers service in the past 
  • Some optional coverages for major appliances or add-ons will significantly increase the price of the plan

Select Home Warranty (Most Affordable)

Select Home Warranty is the most affordable home warranty in Richmond. We all know that homeownership can get costly. With Select Home Warranty, you can make sure things like your heating system or your air conditioner are covered, yet you won’t have a high monthly payment to deal with. Select has some narrower coverage options and policy limits, but overall the plan is very affordable. 

With Select Home Warranty’s Total plan you will get free roof coverage. This is a great benefit, and overall the Total plan is a very smart option for a person who is just getting into the concept of home warranties. You will quickly justify the costs paid the first time you need a repair done around your home. 

Pros

  • Of of the most affordable plans on the market 
  • Plan choices are simple and straightforward, two to choose from 
  • Free roof coverage with the Total plan 

Cons

  • $75 Cancellation Fee
  • Must file a claim quickly, or it could be denied
  • The basic plan is very limited in what it offers

Living in the state capital, with a metro area population well over a million (and growing faster than Virginia as a whole), Richmond is a great place to live and own a home. To protect that investment, a home warranty can be a helpful tool.

But which is the right home warranty for your Richmond home? Let’s dig in, explore some home warranty reviews, and find out.

Please note: as rule of thumb all companies that service Virginia residents should be able to serve you if you live in the Richmond metro.

Who Needs A Home Warranty in Richmond?

Homeowners

Richmond homeowners can benefit from a home warranty, especially if you are someone who has grown tired of DIYing every home project. Next time the unexpected happens, and your water heater stops working; your home warranty plan can come to the rescue. Just contact them to order a service call, and a trained plumbing contractor will come out to take care of things for you on covered items.

Homebuyers

You’re excited about buying a new home in Richmond. But how do you know all the home systems and appliances will work properly? A home inspection tells you some things, put a home protection plan from the right home warranty company will give you peace of mind to buy that dream home and not worry if the air conditioning or even your garbage disposal will malfunction. 

Read Also: How Can I Benefit From A Home Warranty Plan As A First-Time Buyer? 

Home Sellers and Real Estate Agents

When you are selling a home in Richmond, it just makes sense to add a home warranty to the list of reasons why your home should be a buyer’s top choice. It can be a real differentiator in a competitive housing market.

If you are a realtor, most home warranty companies offer plans you can purchase on behalf of your clients, to either get the listing or help a buyer over the last hurdle before they put in an offer on a Richmond home. 

What Should You Think About When Purchasing A Richmond Home Warranty?

Weather/Climate

best home warranty for richmond virginia

There’s not a lot to complain about when it comes to the weather in Richmond. You get 44 inches of rain, 11 inches of snow, and some form of precipitation 112 days a year. 

Temperatures in and around Richmond range from the high 20s to the low 90s between winter and summertime. But you know when storms hit the area, they hit hard. Over time, even if the damage is not immediate (in which case you can turn to your homeowner’s insurance), your home systems’ wear and tear can be significant. A home warranty can protect you from that kind of wear and tear damage that can sneak up on you.

Geography

Surrounded by mountains and rolling hills, the geography of Richmond is stunning. Straddling the Piedmont and Coastal Plains regions of Virginia, Richmond enjoys proximity to the ocean and to the mountains. 

Home systems and appliances are prone to wear and tear under the best of conditions. The geography is a factor in the severe weather that can crop up in Richmond almost without warning. 

Read Also: What Is The Best Home Warranty in Virginia Beach?

Location

Surrounded by beautiful mountain ranges, a close drive to picturesque beaches, not to mention proximity to Washington, DC makes Richmond a perfect location to live and work. 

Here’s a local’s perspective on what they love about Richmond:

 

 

Real Estate Data

As a city with a strong economic base from Fortune 500 companies to entrepreneurs who find the business climate invigorating, the real estate market is strong.

Meanwhile, you enjoy a cost of living slightly under the national average. When it comes to housing, you are paying on average, less than the nation as a whole. So protecting your home with a home warranty just makes sense whether you are buying, selling, or staying put.

What Will A Home Warranty Cost A Resident Of Richmond?

Depending on the company and coverage, you can expect to pay anywhere from the high $300s to the high $700s for coverage. First American Home Warranty has the least expensive plans, starting around $25 per month, whereas Select Home Warranty starts at around $50. You’ll want to contact the provider to get details on plan costs for your home and the coverage you are looking for.

Don’t forget to factor in the service call fees. When you file a claim and a contractor comes out to assess the damage, the fee ranges anywhere from $75 to $125 per service call, on top of your premiums.

What Types Of Plans Are Available For You?

Home warranties are available in three plans for Richmond residents. There are Appliance Plans, Systems Plans, and Combo Plans. Some companies, like Select Home Warranty, offer all three, and some offers–like First American–offer a Basic Plan (usually home appliances) and a Combo plan.

In addition, most home warranty companies offer add-on coverage for things like septic systems and limited roof leaks, along with protection for extra HVAC units or refrigerators, just to name a few items you can potentially get coverage for.

home warranty for Richmond VA facts

Is A Richmond Home Repair and Replacement Plan Worth It?

You want to keep your home value up, and a home warranty offers you a way to maintain your systems and appliances without having to fix things yourself or overspend on costly repairs and replacement of big-ticket items like 

The best home warranty companies will offer you flexibility, peace of mind, and more control over your home maintenance expenses. That can be well worth it for keeping your Richmond, Virginia home up to the standards you want it to be.

Top Richmond Home Warranty Providers For Richmond Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor’s Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive
 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Service Plus home warranty

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Final Thoughts on Buying a Home Warranty in Richmond

You love your home and you love your town. A home warranty can be a great way of protecting your home from potential breakdowns of the systems and appliances you rely on in your Richmond home. Finding the right warranty for your unique needs can make all the difference!

Read Also: What Is The Best Home Warranty Coverage Plan For Fairfax, Virginia?