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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How to Select the Best Home Warranty in Virginia?
There 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 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.
Top 7 Best Home Warranty Companies in Virginia
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, than residents of other states.
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
How 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.
What are the best home warranty companies in Virginia?
Choice Home Warranty
Choice Home Warranty has been in existence for the last 10 years and is one of the top home warranty companies in Virginia. So, if this is not your number one home warranty provider, you are probably not getting the best home warranty deal.
The home warranty service provider prides itself on offering affordable and comprehensive plans to homeowners, buyers, sellers, and landlords.
Choice Home Warranty offers Virginia residents a 90 days-workmanship guarantee, meaning that you have up to 90 days to file a claim after your home appliance or system is damaged. They also have 24/7 customer service, and they respond quickly, at least within 48 hours. You don’t have to worry about your claim being rejected. Customers have rated them top for high claim approval rate, and the fact that you don't need a home inspection for home warranty coverage makes this provider worthwhile.
CHS has two main plans; the basic plan and the total plan.
The basic plan will cost you around $37 monthly and covers; oven/ range/ stove, built-in microwave, dishwasher, ceiling and exhaust fans, plumbing stoppage, plumbing system, cooktop, water heater, whirlpool bathtub, ductwork, garage door opener, heating system, garbage disposal, and electrical system.
For $44 per month, the Total plan covers all the items in the basic plan and the refrigerator, washer, and dryer.
You also have optional add-ons to choose from, including a stand-alone freezer, limited roof leak, well pump, second refrigerator, septic system, septic tank pumping, pool/spa, sump pump, and central vacuum. Of course, the pricing for these will vary, and you can get your quote here.
Expect a service fee of between $60- $85 every time you file a home warranty claim.
American Home Shield
American Home Shield is one of the oldest and widespread home warranty service providers in the USA today. AHS provides its services to millions of Americans in 49/50 states and is preferred by homeowners with older homes because they cover all appliances and systems regardless of age.
Although the home warranty provider boasts of having an extensive network of technicians to serve you locally, they don’t allow you to choose your preferred technician. But this will barely affect the type of services offered as they’ll still re-service failed repairs for free. Therefore, the $75, $100, or $125 service fee you pay is per claim and not per service visit.
One thing to love about American Home Shield is that they allow you to customize your plans, as they offer a build your own plan alongside the three major home warranty plans. Of course, this affects the pricing, and you can either choose higher service fees with a lower monthly premium or lower service fees with a higher monthly premium. Love it too? Why don’t you get your quote here!
We also loved AHS for their generous limit caps and coverage for electronics which is an optional add-on. But we wish they could increase their workmanship guarantee, which currently stands at 30 days only.
The three major plans include a systems-only plan, an appliances-only plan, and a combo plan.
The appliances plan goes for $49.99 per month and covers garage door openers, ranges/ovens/cooktops, dishwashers, built-in food centers, built-in microwaves, dryers, refrigerators, trash compactors, and clothes washers.
For $49.99 per month also, the systems plan will cover ceiling fans, central vacuum, water dispenser, doorbell, smoke detectors, water heater, air conditioning, heating systems, electrical system, plumbing and stoppages, garbage disposal, and ductwork.
The combo plan is a merger for both the appliances and systems plan that costs $59.99.
You can choose to cover a bunch of items under the optional coverage options that include; guest unit appliances and systems, pool and spa, septic pump, well pump, and home electronics.
Select Home Warranty
Ranked as the cheapest home warranty company in the USA, Select Home Warranty has been serving Americans for almost 10 years now in 46 states.
So why go for Select Home Warranty? Apart from being one of the cheapest home warranty companies, Select Home Warranty also offers customers free roof leak coverage. Amazing right? Even better, they are one of the very few home warranty providers that cover mobile homes, and you might want to check their site for discounts and offers.
Let’s talk about plans and pricing. SHW has three plans in total; bronze care, gold care, and platinum care plans.
The bronze care plan will cover all your home appliances at only $35.83 per month. The covered items include a built-in microwave oven, garbage disposal, clothes washer, dishwasher, refrigerator, cooktop/ stove/oven, and clothes dryer.
If you want to cover your major systems only, you should go for the gold care plan, which covers the heating system, air conditioner and cooling, electrical system, water heater, plumbing system, and ductwork at $35.83 per month.
In case you want to cover both home appliances and major systems, consider looking into the platinum plan, which combines both plans at $37.50 per month.
Have extra appliances and systems not included in the plans? Check out their optional coverage, which includes;
- Well Pump @ $3.33 per month
- Septic System @ $5.83 per month
- Spa @ $5.83 per month
- Pool @ $8.33 per month
- Lawn Sprinkler System @ $5.83 per month
- Sump Pump @ $3.33 per month
- Central Vacuum @ $3.33 per month
- Stand Alone Freezer@ $3.33 per month
Their service fee is also quite low compared to other home warranty companies. It ranges between $60- $75 per service call.
Are you operating on a tight budget? You’ll love Select Home Warranty, so get your quote here!
Amazon Home Warranty
If you want to cover so much with so little, try Amazon Home Warranty. Imagine having more than 15 add-on items. And taking an example from the Select Home Warranty add-on plans, they usually range between $3- $8. Amazing, right?
So, what plan options are available?
Amazon Home Warranty has 3 home warranty plan options to choose from. You can either go for the Appliances, the systems, or the combo plan.
Covered items in the appliances plan include; stand-alone freezer, microwave ovens, trash compactor, clothes washer, dishwasher, clothes dryer, and oven /cooktop /range/stove.
The system's plan consists of a jetted bathtub, ductwork, plumbing system and stoppages, air conditioning system, electrical system, garage door openers, and central heating system.
For $579, the combo plan will cover all items in the fore-mentioned plans and the kitchen exhaust hood/ fan, instant cold/ hot water dispenser, ceiling fan, garbage disposal, bathroom exhaust fan, attic fan, and doorbell.
The appliance and systems plans cost $479 per year each, and there’s a $75 service fee.
The optional add-ons consist of a well pump, septic system, water softener, septic tank pumping, ice-maker, freezer (stand-alone), wine refrigerator, duplex, sump pump, pool & spa, whole house humidifier, lawn sprinkler system, water heater, limited roof leak, central vacuum. In case you have extra appliances or systems such as the ones listed below, you can add them to your plan;
- central heating
- central air conditioning
- extra oven
You might want to consider this home warranty provider before making the ultimate selection. Get your quote here.
Liberty Home Guard
Thinking of buying your home warranty plan from a reputable company? Think Liberty Home Guard. This home warranty provider has been accredited by Better Business Bureau (BBB) and has an A+ rating.
For comprehensive coverage, Liberty Home Guard offers their customers 3 plans; systems guard, appliance guard, and total home guard. And although we found the provider offering coverage for the least number of items in our list, especially with the system’s plans, they offer numerous add-on options that are definitely worth checking out.
The appliances guard will cost you $49.99 per month to cover; refrigerator, ceiling and exhaust fans, garbage disposal, clothes washer, range/ cooktop/ oven, built-in microwaves, dishwasher, garage door openers, and a clothes dryer.
To cover your major systems, the plan goes for $59.99 and foots the cost of home repairs for your systems, including ductwork, plumbing, air conditioning, electrical, and water heater to cover your major systems.
The total home guard covers all listed appliances and systems at $69.99 per month.
You also have optional coverage for grinder pump, water softener, ejector pump, septic system pumping, pest control, floor/carpet cleaning, well pump, plumbing and lighting fixtures, lawn sprinkler system, gutter cleaning, pool and spa, second refrigerator, sump pump, limited roof leak, central vacuum, swamp cooler, electronics, re-key, and stand-alone freezer.
Does this warranty provider offer what you are looking for? Get your free quote here!
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.
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
In 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.
Best Home Warranties in Virginia Reviewed
Choice Home Warranty Review (Best Overall 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).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
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!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
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!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
AHW Home Warranty
Why Do We Like AHW Home Warranty?
The AHW Home Warranty is one of the best options for homeowners. The AHW Home Warranty has only been around for a little more than ten years. However, in that time, they have been able to put together some great coverage options across 46 states. At AHW Home Warranty, you will get more of that small company feel that many of us look for in great companies today.
When you look at all of the companies out there, you will find that some stand out from the crowd. From the website to the customer service, to the plan versatility, AHW Home Warranty has everything a homeowner could want. They have created relationships with over 50,000 contractors around the country. With a base like this, you can get your issues fixed quickly and without spending more of your time and money.
The most refreshing thing about this company is how simplistic its plans are. When you want to find out what the AHW Home Warranty will cover and what they won’t, you can easily do so on their website. You won’t have to worry so much about fine print and exclusions with AHW Home Warranty. Since this is a more modern and streamlined younger business, it's very easy to stay on track with what they are offering and how they can help you.
In addition to the essential appliance and system plans, AHW Home Warranty offers a combo plan option and add-on coverage for those homeowners with specific needs. When it comes to policy limits and exclusions, the AHW Home Warranty will be very similar to other options on the market.
Policy On Pre-Existing Issues or Older Units?
Like other home warranty companies, AHW will cover issues due to wear and tear on older models; however, they will not cover problems that have already occurred to your appliances or systems. There is a 30 day waiting period when you first sign up for new coverage that you will have to abide by before your plan truly starts. If your refrigerator is currently broken, you will need to fix it before AHW Home Warranty covers it. For a newly purchased home, AHW Home Warranty is going to want to see an inspection report before they are able to fix or cover an issue in your home.
- Younger, more modern company
- Wide coverage
- Add on options
- Over 50,000 certified contractors Nationwide
- Easy to work with a smaller team of customer service agents
- Lost their BBB accreditation and are in the process of getting it back
Liberty Home Guard Review
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.
- 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
- Must report your issues within one day of noticing a problem
Home Warranties in Virginia FAQs
Is a Virginia home warranty worth it?
What are the best home warranty companies in Virginia?
- Choice Home Warranty
- American Home Shield
- Select Home Warranty
- Liberty Home Guard
- Total Home Protection
What do home warranties cover?
1. Most Common Coverage
- HVAC (heating and air conditioning)
- Plumbing system
- Electrical system
- Water heater
- Oven / Range / Stove
- Clothes Washer
- Clothes Dryer
- Built-in microwave
2. What some cover
3. What few cover
How much does a Virginia home warranty cost?
How do I choose a good home warranty in Virginia?
- 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.
- Compare pricing. What will the coverage you want cost you per month? Check into at least 3 options before making a decision.
- 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.