From the scenic Blue Ridge mountains, up to the bustling city of Richmond, and out to the coastline in Virginia Beach, Virginia has almost anything that a homeowner could ask for in a home. With property taxes lower than the national average and the cost-of-living cheaper than most other coastal state, VA has a lot to offer. With warm and sunny summers and the occasional snow in the winter time, Virginia homeowners get the pleasure of experiencing four distinct seasons. However, living in Virginia also means dealing with the wear-and-tear of systems and appliances of your home. Finding the best home warranty company in Virginia can help save you thousands in home maintenance and offer you peace of mind.

In this guide, we will cover . . .

  • What is a home warranty in Virginia?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 7 best Virginia home warranty companies in 2022
  • And much more!
Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
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Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

Best Home Warranty Companies in Virginia

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • $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 98.0
  • Get $50 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 97.6
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.1
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.7
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

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.

Virginia has both cold and warm weather. This means your appliances and systems will have to work quite hard to keep you and your family comfortable throughout the year. Therefore it makes sense to have a home warranty that will cover any repair costs to these systems or appliances. In addition, the home warranty can help ensure that you get quick service for any issues you have. 

If you are looking for the best home warranty companies in Virginia, we have all the information that you will need. 

Top 7 Best Home Warranty Companies in Virginia:

Compare Virginia Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
The Home Service ClubSiteQuickest Coverage$50-$63$60-$95N/A
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-

Virginia Home Warranty Costs 

The cost of your home warranty will likely finalize your decision about whether or not you want to invest in something like this for your home. The Virginia home warranty costs can vary depending on the type of home warranty you are purchasing, the coverage options, and even things like service fees. Most companies will keep their rates consistent across the entire state, but the price of a condo plan versus a full home plan will be different. At Review Home Warranties, we did some extensive research on all home warranty policies that Virginia has to offer. We came up with averages across all home types so you can enter this process being more educated. 

Type

Average Annual Premium

Overall

$703.33

Single Family Home

$594.23

Multi-Family

$1,050.63

Townhome

$491.93

Condo

$587.92

Home Over 5,000 sq. ft.

$1,294.73

Home Under 5,000 sq. ft.

$633.18

Virginia Home Warranty Companies Reviews

At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top seven home warranties for Virginia homeowners. There are lots of different factors to compare when choosing the best home warranty companies. We looked at things like service fees, overall pricing, experience in the industry, and more. Here are our reviews of the top 7 home warranty companies in the state of Virginia.

1. Choice Home Warranty: Best Overall

Choice Home Warranty is the best overall home warranty company in Virginia. A home warranty company can sometimes be very particular when putting together its service contract and you may feel that there are quite a few restrictions. With Choice Home Warranty, the plans are easy to read and as simple as can be. With 13 years in the industry, Choice has become one of the most well-trusted home warranty providers in the nation. Both policy options offered by Choice are combo plans, meaning you don't have to choose between appliance and systems coverage. If you're looking for a straightforward contract under $55 per month, CHW is the company for you.

Pros

Cons

Comprehensive plan options

Choice won’t allow you to build out a plan the way other home warranty companies do  

Simple contract

 

Fair monthly pricing 

 

Reasonable service fees on all repairs

 

A good sign-on incentive

 

Plans, Pricing and Coverage

There are only two Choice Home Warranty plans to choose from. However, each of these plans is considered to be a comprehensive option that covers both systems and appliances. The Basic Plan runs for around $45 per month, while the Total home plan is less than $9 more, but covers four more items. With the reasonable pricing of Choice Home Warranty, you may be wondering about the depth of the coverage and whether or not the policy has high limits. The great news is that this home warranty has limits close to $2500 or more on many of the covered systems and appliances. Choice also has an $85 service call fee, which you pay each time a technician visits your home.

Here's a closer look at Choice Home Warranty's plans:

  • Basic Plan ($45 per month): The Basic Plan includes coverage on 13 appliances and systems. Those include ceiling fan, heating system, dishwasher, toilet, ductwork, ductwork, electrical, garage door opener, oven, cooktop exhaust, microwave, garbage disposal, plumbing system, and water heater.
  • Total Plan ($53.33 per month): The Total Plan is the most comprehensive option for Virginia Homeowners. For only $53 per month for 17 coverages, it's hard to beat this policy. This plan covers all of the items in the Basic Plan plus four more: washer, dryer, refrigerator and air conditioning. 
  • Optional Add-ons: There are several add-ons that can be included in your home warranty plan. Those are pool, spa, septic, well pump, roof leaking, septic tank, sump pump, central vacuum, and stand-alone freezer. 

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying 

“Sent email to Choice on Sunday-on Monday the tradesman arrived on time and fixed the problem-all I could ask-timely and professional. Appreciate the great response time from Choice" - William C.

Read our Choice Home Warranty Review for more information

2. American Home Shield: Most Customizable

American Home Shield is the most customizable plan for Virginia homeowners. Finding a home warranty plan that fits the specific needs of your Virginia home can sometimes be a challenge. Luckily with an American Home Shield plan in place, you can pick and choose system or appliance coverages to match your needs specifically. With more than 50 years in the industry, there are several thousand customer reviews that prove AHS is a policy you can count on. In addition, American Home Shield is known for paying claims and standing behind its commitment to helping you repair and replace appliances and systems. All Virginia homeowners should consider an AHS policy to protect their home. 

Pros

Cons

It has been on the market in Virginia for more than 50 years 

Considered to be a more premium or expensive policy 

Can build out your custom plan with add on options 

 

Can build out your custom plan with add on options 

 

Plenty of add on coverage choices 

 

Plans, Pricing and Coverage

The three American Home Shield plans are just a starting point for a Virginia homeowner. Once you choose one of these plans, you can add appliances and systems to fit your home's needs. ShieldSilver offers basic systems coverage for as low as $29.27, and ShieldGold offers combo coverage for as low as $39.27. However, the best plan option is ShieldPlatinum, which offers comprehensive coverage for only $59.27. The overall pricing of the plans will also change based on the service fees that you choose, and AHS offers three options: $75, $100 or $125. Lower service fees have higher monthly pricing.

Take a look at AHS's protection plans (note: these prices are based on a $100 service fee):

  • ShieldSilver™ ($34.27 per month): ShieldSilver covers 17 systems including air conditioners, smoke alarms, attic fans, bath exhaust fans, ceiling fans, cooktop exhaust, garbage disposal, doorbell, ductwork, electrical, garage door opener, heating, locksmith, plumbing, plumbing stoppages, toilet, water dispenser, water heater, and whole house fan. 
  • ShieldGold™ ($44.27 per month): ShieldGold offers coverage on a total of 23 systems and appliances. This plan covers many of the systems in ShieldSilver plus washer, dryer, refrigerator, microwave, oven, and dishwasher. With this plan you'll have better coverage on a few home appliances than with ShieldSilver. 
  • ShieldPlatinum™ ($64.27 per month): ShieldPlatinum is the ideal plan for every Virginia homeowner. It covers all of the items in ShieldGold plus four more: garbage disposal, water dispenser, locksmith, and roof leak, to cover a total of 27 major home appliances and systems. This plan also comes with free HVAC tune-up and a $1,000 credit toward code-required changes, modifications, and permits.
  • Optional add-ons: AHS includes so much in its plans that its add-on coverage is slightly limited. The add-on options are pool, spa, TV, PC, septic systems and well pump. 

Plans

Cost Per Month

Service Fee

ShieldSilver

$29.27-44.27

$75 - $125

ShieldGold

$39.27-54.27

$75 - $125

ShieldPlatinum

$59.27-74.27

$75 - $125

What Customers Are Saying

“Outstanding online appointment service request, repair service partnerships, professionalism/customer service of repair personnel. I was a former customer and realized that I love my 9-10 yr old appliances, and it was prudent to repair vs replace. Alfreda B.

Read our American Home Shield Review for more information.

3. Select Home Warranty: Most Affordable

Select Home Warranty is the most affordable home warranty company in Virginia. The whole idea of having a home warranty in the first place is to save money. Select Home Warranty offers comprehensive plan options to VA homeowners for under $63 per month. In addition to the combo plan option, Platinum Care, there is also an appliance-only and a systems-only plan option, so that you can get the exact coverage that you need for your home. Select Home Warranty has been on the market for nine years, and is considered one of the top-rated and most trustworthy companies on the market. As a bonus, the company offers free roof coverage with every policy. 

Pros 

Cons

Impressive customer service

Some of the covered items have lower policy limits 

Clearly defined coverages

Not the best plan for high-end appliances and systems

Free roof leak coverage

 

Impressive workmanship

 

Plans, Pricing and Coverage

There are three policy choices offered by Select Home Warranty in Virginia: the Bronze Care Plan, the Gold Care Plan, and the Platinum Care Plan. Both Bronze Care and Gold Care are great basic options and cost less than $58 per month, yet the Platinum Care plan is the best of them all. For just a few dollars more per month, you get everything that the Gold Care and the Bronze Care cover combined into one plan. The coverage of the Select Home Warranty plan is impressive and works quite well for Virginia homeowners. The only thing to keep in mind is that some of the policy limits with the Select Home Warranty plans are a bit lower due to the low monthly premium cost. But, to make its plans even more affordable, Select has an industry-low service fee of $60. 

Here are more details on Select Home Warranty's plans:

  • Bronze Care Plan ($57.67 per month): The Bronze Care Plan offers basic coverage on seven home appliances for the same price as the Gold Care Plan. Those include garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator and clothes washer.
  • Gold Care Plan ($57.67 per month): This home warranty covers six major home systems for the same price as the Bronze Care plan. Systems are considerably more expensive to repair or replace, so this is a great deal. The systems included are plumbing systems, air conditioner, heating, electrical, ductwork, and water heater.
  • Platinum Care Plan ($62.08 per month): This is the most popular plan option offered from Select Home Warranty. With the Platinum Care Plan, you get all of the items covered in both of the lower-tiered plans for not even $5 more per month. You also get coverage on your garage door opener, ceiling fans, and plumbing stoppages.
  • Optional add-ons: Select offers eight add-ons: pool, spa, central vacuum, lawn sprinklers, stand-alone freezer, septic system, well pump, and sump pump. 

Plans

Cost Per Month

Service Fee

Gold Care

$57.67

$60

Bronze Care

$57.67

$60

Platinum Care

$62.08

$60

What Customers Are Saying

“Our refrigerator wasn't working and we almost bought a new one when I remembered our home warranty. I called and a technician called us back and ordered a new part. We unfortunately had to wait a week for the part but thats life these days. Our technician **** came and installed it. When he called later to check on it, our fridge still wasn't cold enough and he came back a second time and got it working fine. All for the price of my deductible! Better than buying a new refrigerator. Great service! – Patricia S.

For more information read our Select Home Warranty Review.

5.The Home Service Club: Best for Quick Coverage

The Home Service Club is the best home warranty company in Virginia for quick coverage. With more than 12 years on the market, the company has created plans that offer customers fair and adequate coverage. With The Home Service Club, you will only wait 10 days for your policy to start. Most home warranty companies have a 30-day waiting period, but HSC recognizing your need to have home coverage quickly. HSC also doesn't require a home inspection before the policy begins, making the process even faster. For extensive coverage on your home systems and appliances that goes into effect quickly, you can't go wrong with a Home Service Club home warranty plan. 

Pros

Cons

No inspection is needed before the plan starts

Can be a high service fee

Plan starts after ten days 

Not accredited by the BBB 

Extensive coverage options even in the basic plan 

Plans, Pricing and Coverage

The Home Service Club offers two home warranty plans for Virginia homeowners to choose from. The two plans are the Standard Coverage plan and the Comprehensive Coverage plan. The Standard Coverage Plan has a large amount of coverage for only $50 per month and allows homeowners to choose a few add-on options as well. The Comprehensive Coverage Plan is the ideal option because it includes coverage on 9 more items for less than $13 more. HSC allows its policyholders to choose between a $60, $75, and $95 service fee.

Here's more details on Home Service Clubs' plan options:

  • Standard Coverage ($50 per month): This plan covers 18 items including air conditioner, ceiling fans, dishwasher, garbage disposal, dyer, electrical, food center, free-standing ice maker, garage door opener, heating system, microwave, oven, plumbing, refrigerator, trash compactor, central vacuum, washer, and water heater. 
  • Comprehensive Coverage ($63.00 per month): This plan is the most popular plan among Virginia homeowners because of its extensive coverage. The systems and appliances included are all of the ones in the basic plan plus nine more: alarm wiring, attic fans, doorbell, ductwork, pest control, phone, plumbing stoppages, sump pump, toilet, water dispenser, and whole house fan.
  • Optional add-ons: HSC offers several of the same add-ons as other home warranty service providers like pool and spa, but also has a unique coverage called the Utilities and Home Service Line Coverage package which covers the gas line, water line, sewer line, and sprinkler system.

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customer's Are Saying

"I have used Home Service Club in three different houses already in two different states. They were equally effective both times. I'm considering getting my property in a third state covered. The very best there is!"Henrietta B

Read our HSC Review to learn more.

5. Liberty Home Guard: Best Reviewed

Liberty Home Guard is an excellent choice for those looking for a valuable and highly rated company in Virginia. Although Liberty Home Guard has only been in the industry for two years, it has some of the highest-rated coverage around. Liberty Home Guard has an A rating with the BBB, which is almost unheard of for home warranty providers. Many customers rave about the company's trustworthiness, claiming that they've never had an issue getting Liberty Home Guard to follow through on the contract. 

Pros

Cons

BBB rating of an A

Optional plan choices tend to be priced a bit high

Very professional 

To get a very comprehensive policy, the price increases quite a bit 

60 Day workmanship guarantee

 

Add on coverage list is very extensive 

 

Plans, Pricing and Coverage

There are three Liberty Home Guard policies for Virginia residents. Each of these plans is fairly priced, and the service call fee is considered to be one of the lowest on the market. The Total Home Guard plan is the most popular of the options available to Virginia homeowners, and runs under $80 per month. However, if you're looking for appliance-only or systems-only coverage, Liberty has great options. The monthly premiums of $70-$80 may seem high, but Liberty has extraordinarily high annual maximums, capping out upwards of $2,500. Additionally, Liberty Home Guard's policies have more add-on choices than any other company on the market.

Take a closer look at Liberty Home Guard's plans:

  • Appliance Guard ($69.99 per month):  This appliance-only plan covers ceiling fans, garage door opener, garbage disposal, microwave, dishwasher, clothes washer, refrigerator, clothes dryer, oven, cooktop exhaust fan, and refrigerator ice-maker. For Virginia homeowners that want basic appliance coverage, this is a great option.
  • Systems Guard ($74.99 per month):  Systems Guard covers nine major systems including air conditioner, heating system, ductwork, electrical, plumbing and plumbing stoppages, bath exhaust fan, toilet, and water heater. 
  • Total Home Guard ($79.99 per month): Total Home Guard is an excellent plan option for VA homeowners looking for comprehensive coverage. It covers all of the items in Appliance Guard and Systems Guard for only $5 more. This plan also offers higher coverage limits on air conditioning and heating, with the annual maximum at $2,500. 
  • Optional add-ons: There are over 20 add-ons offered by Liberty Home Guard. Some of the more unique ones are pest control, gutter cleaning and re-key service. With Liberty, you can have coverage on your whole home for one monthly payment. 

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$75

Appliance Guard

$74.99

$75

Total Home Guard

$79.99

$75

What Customers Are Saying

“I am really happy with Liberty so far. They have repaired two of my appliances and replaced our heating system within the past two years that we’ve been using them and the experience was fairly stress free. The heating replacement took a bit longer for sure, which was not ideal but the savings were in the thousands and the new system works very well (and super quiet.) Julia, a supervisor I was dealing with who replies quickly and seems to be very competent at her job. I definitely want to cite her contribution to our positive experiences with Liberty so far."Archie B.

Read our Liberty Home Guard Review for more information.

6. First Premier Home Warranty: Best Coverage

First Premier Home Warranty is the best home warranty for Virginia residents that need extensive coverage for their homes. If you want a policy that offers a little bit of coverage for each of the appliances and systems in your home, then First Premier is a great option to consider. Each plan offers combo coverage so that you don't have to pick and choose between systems and appliances. This company has an A- rating with the BBB and plenty of positive customer reviews that rave about the affordably for the amount of coverage. 

Pros

Cons

BBB rating of A-

A short period of time on the market

Modern technology and systems in place 

Coverage limits are rather low 

A newer company that is continually improving 

 

Low overall costs if you pay upfront

 

Plans, Pricing and Coverage

There are two First Premier Home Warranty options to choose from. Each is reasonably priced, especially if you pay upfront for the entire year. The only problem with paying upfront is that you don’t get much of a chance to test the company out prior. With the Premier Gold Plan, there are 15 options covered under the policy; this is quite a bit for what is considered to be a basic-type policy. The Platinum Plan covers even more systems and appliances and only costs $7 more per month. First Premier also offers a fair-priced service fee of $75.

Take a closer look at First Premier's coverage plans:

  • Gold Plan ($43 per month): This plan covers 15 systems and appliances and is considered the "basic" plan. Those items are ceiling fan, cooktop exhaust, garbage disposal, ductwork, microwave, electrical system, garage door opener, oven, dishwasher, plumbing system and stoppages, sump pump, trash compactor, and water heater. 
  • Platinum Plan ($50 per month):  For more comprehensive coverage, the Platinum plan covers the 15 covered in the Gold Plan plus five more items: air conditioning, heating system, washer, dryer, and refrigerator. This plan is a steal because the coverages added are way more expensive to repair and the plan only went up $7 per month. 
  • Optional add-ons: First Premier offers a slew of add-ons that can be attached to either policy plan. Those included are free-standing ice maker, septic tank pumping, stand-alone freezer, central vacuum, well pump, refrigerator ice maker, lawn sprinkler, water softener, roof leaks, septic, spa and pool coverage.

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying

“We were with a few warranties before but none compare to First Premier. This is my second service request with them and they took care of it in a timely fashion. Our dryer went out on 1/24/22 they had Gs ***************** Services assigned that same day and he repaired that for us. We are amazed with First Premier and look forward to our long lasting plan with them.”  – Greg G.

For more information read out First Premier Home Warranty Review.

7. Cinch Home Services: Best Workmanship Guarantee

Cinch Home Services offers the best workmanship of all home warranties in Virginia. When a covered item in your home has a breakdown, you will appreciate the 180-day workmanship guarantee that Cinch Home Services offers. Most other companies in the home warranty industry only offer labor and parts guarantees that last 30 to 60 days. You can count on Cinch to send high-quality technicians to your home and be assured that the fix will stick. With the long workmanship guarantee and moderately priced plans, Cinch Home Services has been a trusted home warranty company for more than 40 years. 

Pros

Cons

Long history in the home warranty business 

Higher service fees 

180-day workmanship guarantee

Some negative customer reviews with certain contractors

Three moderately priced plans to choose from

 

Plans, Pricing and Coverage

Cinch Home Services offers three plan options: the Appliance Plan, the Built-In Systems Plan, and the Complete Home Plan. For basic systems or appliance coverage, one of the first two plans will suffice. However, the Complete Home Plan covers an incredible 32 major home appliances and systems and can go for as low as $49.99 per month. One of the things to keep in mind is that the service call fees from Cinch Home Services are quite a bit higher than some of the others on the market. The higher priced service fees help Cinch provide a longer workmanship guarantee. The options are $75, $100 and $150.

Look at the details of Cinch Home Services plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month):  This appliance-only plan offers basic appliance coverage to VA homeowners. The covered items are microwave, cooktop exhaust fan, trash compactor, dishwasher, oven, clothes dryer, food center, free-standing ice maker, refrigerator, refrigerator ice-maker,  and clothes washer. 
  • Built-In Systems Plan ($51.99 per month): The Built-In Systems Plan offers excellent systems-only coverage. The 21 systems included are air conditioner, smoke alarms, attic fans, septic tank pumping, bath exhaust fans, cooktop fans, water dispenser, garbage disposal, doorbells, ductwork, toilet, electrical system, heating system, water heater, plumbing and plumbing stoppages, garage door opener, spa, sump pump, central vacuum, and whole house fan. 
  • Complete Home Plan ($61.99 per month): The Complete Home Plan combines the Appliance Plan with the Built-In Systems Plan to give you coverage on 32 systems and appliances. That's more items under one policy than is offered by almost any other home warranty provider in the country. As an added bonus, this plan also comes with a homeowners insurance reimbursement of $500 per contract term, and high coverage limits on appliances of $1,500 per item.
  • Optional add-ons: Due to the comprehensiveness of the Complete Home Plan, Cinch doesn't offer many extras. The three items offered are pool, septic systems, and well pump coverage for $2.50-$13.33 per month.

Plans

Cost Per Month

Service Fee

Appliances Plan

$34.99-$50.99

$75 - $150

Built-In Systems Plan

$39.99-$57.99

$75 - $150

Complete Home Plan

$49.99-$67.99

$75 - $150

What Customers Are Saying

“I have used another warranty company in the recent past and ended up cancelling them because Cinch is a far superior company. I have been extremely happy with how Cinch triages problems, the quick response times, the fine quality of the contractors and technicians they dispatch, the variety of plan options, and overall professionalism of the phone representatives. Thank you! Joan I.Joan I.

Read our Cinch Home Services Review for more information.

Home Warranty Coverage in Virginia Cities

What is a Home Warranty?

A home warranty is a service contract between you and a provider that covers the out-of-pocket costs to service home appliances and systems. Typical systems included are HVAC, ductwork, plumbing and electrical, and typical appliances included are refrigerator, washer, dryer, dishwasher, oven and microwave. When one of your covered items has a breakdown, you submit a claim to the online claims portal or by phone, and your provider will send an experienced technician to your home to repair or replace the item if it's covered. You will only have to pay the service fee, which ranges from $60-$150 depending on the company. Home warranties also come with a monthly premium. Each home warranty company in Virginia is different, and you should thoroughly look though each before you decide which is best for your home.

Home warranties and home insurance are not the same thing. A home warranty only covers the normal wear-and-wear of appliances and systems, not neglect, misuse, intentional damage, or damage caused by natural disasters. Home warranty companies offer you peace of mind that you won't have to pull from your savings if one of your major appliances or systems breaks down, like your electrical system.

How to Find the Best Home Warranty in Virginia 

With a home warranty in place, Virginia homeowners will have peace of mind about the condition of their Virginia home at any point in time throughout the year. The home warranty helps to ensure the property is in good condition and the savings account is not depleted. There are a few ways to ensure that you choose a great plan. Three of these ways are to compare the plan choices, overall pricing, and the optional coverages offered. 

Plan Choices 

The plan choices will sometimes be for systems or appliances. Other home warranty plans will have a combination of both systems and appliances as part of the plan. Try to take a walk around your home and consider the coverages that you need the most. Look for a home warranty plan that is going to most closely match the needs of your home. 

Overall Pricing 

When looking at the overall price you must consider the monthly fees as well as the service fees. In addition, be sure to take a look at the policy or plan limits as well. The limits that are higher make the plan more valuable. 

Optional Coverages

Most home warranty plans have optional coverages to help ensure that the majority of your home is well taken care of. For many Virginia homeowners that have swimming pools, spas, or extra refrigerators, these optional coverages are a necessity.  

Home Warranty Tips for Virginia Residents

Purchasing a home warranty in Virginia won’t be exactly the same as it is in other states. With the state of Virginia being located almost directly in the middle of the US, there are certain areas of the state that have varying weather and climate.

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.

Influence of climate on home warranty selection in Virginia

Source: Weatherstem.com

Higher heat and humidity levels may contribute to the wear and tear on home appliances, which may require more frequent repairs or replacements. For this purpose, home warranty companies like Select Home Warranty 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 compared to residents of other areas. 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 than residents of other states.

Power outages may also contribute to the wear and tear on 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 will 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 American Home Shield. 

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 they 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.

The great news is that whether you live in Roanoke, Hampton, Chesapeake, Suffolk, or even Virginia Beach, any of these home warranty companies can make it more manageable to own a Virginia home. 

Home Warranty Regulations in Virginia

Home warranties are monitored by the government in every state. However, some states are going to have stricter requirements than others. In the state of Virginia, the government institution that is in place to regulate the home warranties is the Office of Charitable and Regulatory Programs. This is also known as the OCRP. All of the companies on our list are registered with the OCRP and are in good standing. If you choose a home warranty outside of this list and want to ensure that it is in good standing, make sure you double-check with the OCRP. 

Final Thoughts

Hopefully, you now feel as though you can pick a Virginia home warranty with confidence. There are many great options on the market, but the Choice Home Warranty stands out as the overall best. Everything about Choice Home Warranty is designed to make the policy affordable and easy to understand. When shopping for a home warranty, it makes sense to look at several different options on the market; getting a few quotes will only help you get a great deal in the end.

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

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 best 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 our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): 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 (10): 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 (5): 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.

Resources for Virginia Homeowners and Home Buyers

  • Virginia DHCD Homebuyer Resources: Whether you already own a home or are simply interested in getting started in the home buying process, the Virginia DHCD has a multitude of resources that can help. People will be pleasantly surprised by how the Virginia DHCD can be a continued resource for many years. 
  • Richmond Better Housing Coalition: Before purchasing your home warranty for your Virginia home, it is essential to find an affordable and safe place to live. The Richmond Better Housing Coalition helps homeowners in all parts of the home buying process. 
  • US Department of Agriculture Rural Development: US Department of Agriculture has programs that will help ensure that rural homeowners can get assistance with finance-related issues regarding their homes. With a good portion of Virginia being more rural, this is a great program to consider.  
  • Virginia Department of Housing: For those that are looking for help when it comes to any type of housing, it makes sense to use the Virginia Department of Housing as a resource. With this website, you will get information about overall costs to expect and discount and savings programs. 
  • City of Alexandria Homebuyer Resources: If you are considering moving to the Alexandria area, the City of Alexandria homebuyers resources page would be a great place to visit. Lots of information about making sure you get a great deal, are treated fairly, and can enjoy homeownership.  

Recap of Our Top Picks In Virginia

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $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 98.00
  • Get $50 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 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

Nearby States

All states
Home warranty Maryland 38 companies available
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West Virginia Home Warranty