The popularity of home warranties on Virginia’s real estate market has grown significantly over recent years. Unlike homeowner’s insurance that covers damages caused by fire, flood, theft, vandalism, and other problems, a home warranty covers normal wear and tear of the most important home systems and appliances.  

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Best Home Warranty Companies in Virginia

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $100 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.8
  • $175 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Amazon Home Warranty
Editorial Rating 95.6
  • $100 Off + 1 Month Free
  • Good BBB rating B
  • 24/7 service calls
  • Smaller company
  • Online chat not supported
  # 5 Liberty Home Guard
Editorial Rating 95.1
  • $200 off + 2 month free + Free Roof Coverage
  • Newly designed customer claim portal
  • The BBB's #1 Home Warranty Company
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.0
  • Get $100/ $50 off!
  • Large number of homeowners
  • Clients report fair compensation
      # 7 First American Home Warranty
    Editorial Rating 94.9
    • Best Customer Service 2020
    • Large and established
    • Plans from $25/m
    • Automatically renewed policy
    • Limited selection of extra coverage

    Disclosure: 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.

    How to Select the Best Home Warranty in Virginia?

    Good, Better, Best Home WarrantyThere are plenty of home warranty companies in Virginia that offer coverage for various home systems and appliances. In order to help homeowners like you select the best home warranty in VA, we have collected as much information as possible on each company that works in this state.

    This information was collected not only from company websites but also from various sources including company representatives. We also read and summarized customer reviews from various consumer reporting websites such as the Google Reviews, BBB, Consumer Advocate, and Yelp.

    There are several things you need to consider before you purchase a home warranty. We will talk about some of them, and if you feel like we missed something important that also influenced your decision about which home warranty plan to choose, please let us know, and we will include it in our report. We think that the two most important factors that should be taken into consideration are the location and the age of your house.

    Which climate zone do you live in?

    Are you ready to purchase a home warranty in Virginia? First of all, you should think about the location of your house, and here we explain why. If you live in the western or southern parts of the state, in Virginia Beach or Norfolk, there is a Humid Subtropical climate there, which is significantly warmer and more humid than in Arlington and Alexandria in the north, or Roanoke and Wytheville in the east.

    Higher heat and humidity levels may contribute to the wear and tear of home appliances, which may require more frequent repairs or replacements. For this purpose, home warranty companies like First American Home Buyers Protection offer their customers plans that cover kitchen and laundry appliances only.

    Homeowners who live in the mountains experience issues with plumbing and electrical systems more often than residents of other areas do. Virginia is ranked 45 out of 50 states for power grid reliability, which means that Virginians experience more frequent power outages, especially in the mountain area, that residents of other states.

    Influence of climate on home warranty selection in Virginia


    Power outages may also contribute to the wear and tear of your electric appliances and the whole electrical system of your house. If you are one of those homeowners who have an electric generator in your storage room, it would make a lot of sense to purchase one of the  plans offered by such well-known home warranty companies in Virginia as Select Home Warranty or TotalProtect Home Warranty

    Old house with a porch covered under a home warrantyHow old is your house?

    Another thing to consider before purchasing a home warranty is the age of the house. The general rule is the older the house, the more comprehensive of a warranty plan you need.

    Even though home warranties are available for brand new houses, it is important to remember that it cannot be combined with any other warranty or insurance. For example, if you have your home appliances covered under their manufacturer’s warranty, your home warranty will not be applicable in this case.

    Home Warranty Regulations in Virginia

    To make sure that all the home warranty companies listed on our site operate up to the highest standards, we have collected information on the supervising authorities. Home warranty companies in Virginia are governed by The Office of Charitable and Regulatory Programs (OCRP) in the Virginia Department of Agriculture and Consumer. This authority is responsible for administering the Home Service Contract Providers Act in the Commonwealth. Providers of home service contracts are required to register with OCRP in accordance with the Home Service Contract Providers Act. You may contact this organization before you sign a contract with any home warranty company in Virginia just to see whether it is in good standing.

    Which Home Warranty Plan Will Work Best For You?

    The Basic Plan

    Currently, the Old Dominion state has over 2.7 million households, many of which have their dwellings covered by a home warranty. Have you recently purchased your new home? Homeowners who are new to a home warranty usually prefer to start with basic plans. Total Home Protection offers one of the cheapest home warranty plans on the market that offers coverage for kitchen appliances, as well as electrical systems and plumbing systems, including plumbing stoppages.

    The Partial Plan

    As we discussed earlier, some homeowners prefer to cover their home appliances only or home systems only under a home warranty plan. For these homeowners, there are appliance plans that cover all major home appliances, but not the home systems, and the opposite,  home system plans, which do not include any home appliances in their coverage. 

    Do You Need To Upgrade Your Home Warranty?

    Are you one of those homeowners who prefer to get a feel of a home warranty by signing up a basic plan. Later you realized how much they like it, so now you would prefer more coverage for your house? No worries, there is always an upgrade option! It can be an addition to your plan or a more comprehensive plan, it's up to you!  Read our blog to learn more about other peoples' experiences.

    Upgrading Your Home Warranty

    The Comprehensive Plan

    The most experienced homeowners in Virginia prefer to protect their homes with more comprehensive plans that include all major home systems, such as heating, air conditioning, electrical, plumbing systems, and most kitchen and laundry appliances. Among multiple home warranty companies in VA, America’s 1st Choice Home Club offers one of the best premier plans with very competitive prices. Those companies that offer partial plans, also have combo plans that include coverage for both home systems and appliances.

    The Seller's Plan

    Real estate agent sells a house covered under a home warrantyIn many cases, real estate agents recommend that home sellers purchase home warranties in order to attract more homebuyers, at the same time keeping the house protected while listed. Some home warranty companies, like Home Security of America, tailor their plans specifically for home sellers.

    Usually, the seller's plans are not as comprehensive as the buyer's, but they do provide coverage for the most essential home systems and appliances. In many cases, the home warranty may be transferred from the seller to the homebuyer for a period of up to one year. It will be renewed automatically unless canceled.

    Home Warranties in Virginia FAQs

    Is a Virginia home warranty worth it?

    One breakdown of one major appliance or home system can cost hundreds and even thousands of dollars. If you run into problems with multiple systems and appliances, that can be an even bigger hardship. 
    A home warranty can be well worth it to cover those unexpected expenses. 

    What are the best home warranty companies in Virginia?

    1. Choice Home Warranty
    2. American Home Shield
    3. Select Home Warranty
    4. Amazon Home Warranty
    5. Liberty Home Guard

    What do home warranties cover?

    A home warranty covers specific home appliances and systems from malfunction due to common wear and tear. 

    1. Most Common Coverage

    • HVAC (heating and air conditioning) 
    • Plumbing system
    • Electrical system
    • Water heater
    • Refrigerator
    • Oven / Range / Stove
    • Cooktop
    • Dishwasher
    • Clothes Washer
    • Clothes Dryer
    • Built-in microwave

    2. What some cover

    Some providers will also include coverage plumbing stoppages, HVAC ductwork, ceiling and exhaust fans, and garbage disposal.
    Many providers offer optional coverage for items like well and septic pumps, pools and spas, sump pumps, and additional refrigerators or freezers. 

    3. What few cover

    Some home warranty companies go well beyond the basics in coverage. American Home Shield offers optional coverage for a guest house as well as home electronics coverage. Liberty offers pest control service and coverage of your wastewater grinder pump. 

    How much does a Virginia home warranty cost?

    A combo plan, which includes major appliances and systems, will cost an average of $56 per month or $672 per year. In our top 5, AHS comes in at the lowest at around $45 per month, and Liberty comes in highest at $70 per month. 
    Here is what you can expect, on average, to pay in premiums for a combo plan that includes your major appliances and systems. 
    Combo Plan
    You’ll want to also factor in the service call fee that can range from around $75 all the way up to $150. 

    How do I choose a good home warranty in Virginia?

    Choosing a home warranty comes down to three main steps.
    1. Dig into the data. Do what you are doing right now. Find out which home warranties are available in Virginia, what they cover, and what they cost.
    2. Compare pricing. What will the coverage you want cost you per month? Check into at least 3 options before making a decision. 
    3. Read the fine print. Be sure to examine the service agreement of your top choice before signing up. It’s important to understand the exclusions, coverage limits, and other terms of the agreement. 

    Final Words About Home Warranty Companies in VA

    Any homeowner, home seller, or home buyer in Virginia will benefit from having their property covered by a home warranty. In order to decide which home warranty plan to choose, we advise not only to compare the different companies, but also to think about the location of your house. For example, is it close to the ocean and high humidity is a norm in your area? Many home appliances are more prone to rust in such a climate and might require more repairs and replacements.

    The age of the house also plays a role in home warranty selection. Experienced homeowners purchase more comprehensive plans if their houses are older than 10 years. It helps them save money on repairs and replacements, preserving their peace of mind.


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