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

$50 Off Your Plan
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

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

Total Home Protection 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

 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.

 

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

#1 Pick: Choice Home Warranty

Choice Home Warranty offers inexpensive premiums on its two main plans. Their Total Plan covers everything from your heating system to whirlpool bathtub, to ceiling fans. Plus they offer a good range of optional add-on coverage. Unlike Select (see below), you can cancel your policy with Choice within 30 days without paying an added fee.

Having only two choices instead of three is a slight negative, but since most purchasers choose the combo or Total Plan, Choice offers a strong offer with this plan. Their claim limits cap at $1,500 for home systems like heating.

Read Our Full Review of Choice Home Warranty

Pros

  • Inexpensive premiums
  • Free cancellation w/in 30 days

Cons

  • Only 2 plans

#2 Pick: American Home Shield

American Home Shield is another good choice for Richmond residents. Our research indicates that you will have a lower chance of claim denial with AHS. Warranty companies don’t love to pay out, so a lower chance of denial is a significant plus. 

Their optional coverage is fairly limited compared with other companies we researched, but they still offer basic pool and spa coverage for your hot summers in Richmond.

Read Our Full Review of American Home Shield

Pros

  • Choose your own service fee
  • They also offer 24/7 service calls

Cons

  • Limited optional coverage
  • Higher premiums

#3 Pick: Select Home Warranty

Select offers something unique right now: coverage for limited roof leaks with all three plans from Bronze (appliances) to Platinum (combo). With well over 100 days of precipitation in a given year in Richmond, this can be helpful. And if you plan on moving, you can transfer coverage with Select at no additional cost.

But if you decide to cancel your plan, you will be subject to a $75 fee. So if you go with Select, it’s good to be sure. And if you are looking for add-on coverage for things like a septic system or pool, Select does not offer these.

Read Our Full Review of Select Home Warranty

Pros

  • Automatic roof leak coverage
  • Free transfer of policy

Cons

  • $75 cancellation fee
  • No add-on coverage options

#4 Pick: Total Home Protection

Total Home Protection is a great pick for Richmond homeowners that are including for great additional coverage, especially for a septic system.

THP has only been in business for four years, but has a strong track record of highly responsive customer service and high contractor professionalism. Customers can even pick their contractor if they choose, but many customers find it easier to use one of THP’s pre-screened technicians. So no matter where you are in Virginia, you can count on a reliable service to be there for your home needs. 

Read Our Full Review of Total Home Protection

Pros:

  • Emergency services available 24/7
  • You can choose a contractor, compared to AHS where you have to use a technician from its network

Cons:

  • Only has a D rating from the BBB
  • One day maximum to submit a claim, compared to Select Home Warranty who allows up to three days  

#5 Pick: First American Home Warranty

First American is an industry veteran and has price points you will love. Keep the money in your pocket, not in expensive repairs or replacements of a kitchen cooktop or your HVAC ductwork, or any other items covered by a First American plan.

First American does have a policy of automatic renewal. So if you are wishing to stop coverage after a year or two, you will need to notify them well before the end of the coverage period to make sure automatic renewal does not kick in. 

Read Our Full Review of First American Home Warranty

Pros

  • Lower prices than most competitors
  • An industry veteran
  • B+ rating from BBB

Cons

  • Automatic renewal
  • A limited selection of add-on coverage

 

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?