Home warranties can provide Virginia homeowners with peace of mind by covering expensive repair and replacement costs on systems and appliances like your air conditioning, electrical, plumbing, refrigerator, dishwasher, and built-in microwave.
The This Old House Reviews Team researched multiple home warranty providers and rounded up the top five home warranty companies in Virginia. We researched each provider’s plan options, customer service ratings, pricing, and more to help you determine which home warranty is best for you.
Virginia’s Top 5 Home Warranty Companies
The top home warranty companies in Virginia are:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- Select Home Warranty: Best Value
- America’s 1st Choice Home Club: Best for Customization
- Liberty Home Guard: Most Responsive
American Home Shield
American Home Shield is one of the best home warranty providers for Virginia homeowners because of its flexible plans, reasonable pricing, and years of experience. It has nearly 50 years of industry experience and has some of the most impressive coverage caps available to Virginia residents.
Pros & Cons
✔ Provides 24/7 customer service
✔ Has generous coverage caps
✔ Offers optional coverage for electronics
✘ Offers a limited 30-day repair guarantee
✘ No plan to cover appliances only
Plans & Pricing
American Home Shield provides homeowners with three different plan options—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans.
You’ll be required to pay a trade call service fee, or deductible, for each claim. Service fees are either $75, $100, or $125. If you choose a higher service fee, you pay less per month and vice versa.
Here’s a pricing breakdown by plan if you choose a $75 service fee:
- ShieldSilver: $44.99 per month
- ShieldGold: $54.99 per month
- ShieldPlatinum: $69.99 per month
Learn more: American Home Shield Review
Choice Home Warranty
Choice Home Warranty (CHW) is an ideal option for Virginia homeowners with older homes. In older homes, appliances and systems may tend to break down more often and need more repairs. Choice Home Warranty doesn’t consider the age of your home or the age of your systems and appliances when providing coverage.
Pros & Cons
✔ Has a lower deductible ($60–$85) compared to other home warranty companies
✔ No limitations on claims
✔ Guaranteed response time within 48 hours of receiving a claim
✘ Customers can’t build their own plan
✘ Doesn’t let you choose your own contractor
Plans & Pricing
Choice Home Warranty offers two plan options—a Basic Plan and a Total Plan. The Basic Plan covers items like your heating and dishwasher, while the Total Plan provides whole-home coverage and protects major systems and appliances like your air conditioning and refrigerator.
In addition to these premiums, homeowners are required to pay a $60–$85 trade service call fee per claim
Here’s what was quoted for single-family homes in Virginia less than 5,000 square feet:
- Basic Plan: $41.69 per month
- Total Plan: $50.00 per month
Learn more: Choice Home Warranty Review
Select Home Warranty
Select Home Warranty is a budget-friendly provider for customers who want to choose a plan less than $50 a month. Even at this competitive price point, Select goes the extra mile by providing all customers, regardless of plan selection, free limited roof-leak coverage.
Pros & Cons
✔ Same-day response time for claims
✔ Plans less than $50 a month
✔ Limited roof-leak coverage up to $400 included with every plan
✘ Can’t choose your own technician
✘ HVAC coverage is capped at $2,000 which is lower than many of its competitors such as American Home Shield
Plans & Pricing
Select offers three plans—Bronze Care, Gold Care, and Platinum Care. Bronze Care covers your home’s appliances, such as your cooktop, dishwasher, stove/oven, and garbage disposal. Gold Care covers your built-in systems, including but not limited to electrical and plumbing. Platinum Care combines the coverage of the two basic plans and adds coverage for garage door openers and plumbing stoppages.
Select charges a $75 service call fee each time you file a claim. Here’s what we were quoted for a single-family home in Virginia less than $5,000 square feet:
- Bronze Care: $41 per month
- Gold Care: $41 per month
- Platinum Care: $47 per month
Learn more: Select Home Warranty Review
America’s 1st Choice Home Club
America’s 1st Choice Home Club (AFC Home Club) has some of the most flexible and comprehensive plan options in the home warranty industry. The company has been in business for 10 years and partners with companies like MoneyTips, Deal Cash, and Emergency Alert Network to provide customers with service in additional areas of homeownership.
Pros & Cons
✔ Offers unique benefits like free credit monitoring and discounts on maintenance-related parts
✔ Longest work guarantee in the industry
✔ Provides twice the amount of plans that other home warranty companies do
✘ Doesn’t provide coverage for pre-existing conditions
✘ Monthly premiums are slightly higher than the industry average
Plans & Pricing
AFC Home Club offers four plan options for Virginia homeowners: a Systems Plan, Silver Plan, Gold Plan, and Platinum Plan.
Here’s the pricing breakdown for each AFC Home Club plan if you choose a $75 service fee:
- Systems Plan: $62.50 per month
- Silver Plan: $55.00 per month
- Gold Plan: $68.75 per month
- Platinum Plan: $78.75 per month
Learn more: AFC Home Club Review
Liberty Home Guard
Liberty Home Guard is newer to the home warranty industry than many of its competitors with a founding date in 2019, but it stands out for its commitment to responsive customer service, affordable pricing, and a long list of unique additional coverage options.
Pros & Cons
✔ 30 add-on options, including coverage for saltwater pools, grinder pumps, wine coolers and more
✔ 60-day workmanship guarantee
✔ Customers can contact representatives 24/7 via the phone or the website’s built-in live chat feature
✘ Service call fee is not assigned during the online quote process
✘ Lower coverage caps than some competitors at $1,600 per covered item
Plans & Pricing
Liberty Home Guard charges a variable service call fee between $65 and $125. This fee is difficult to predict and will be assigned to you based on your plan selection, the location of the home, and the add-on options you choose.
Here’s what we were quoted for a single-family home in Virginia less than $5,000 square feet:
- Appliance Guard: $44.99 per month
- Systems Guard: $49.99 per month
- Total Home Guard: $54.99 per month
Learn more: Liberty Home Guard Review
A home warranty offers different coverage than homeowners insurance and can be used as a supplement to protect items that home insurance simply doesn’t cover. Not only does a home warranty cover expensive repair and replacement costs on major systems and appliances, it’s designed to help homeowners receive quick and reliable service from local, trusted contractors.
American Home Shield, Choice Home Warranty, and America’s 1st Choice Home Club are all top home warranty providers in Virginia. They offer plan flexibility, extensive coverage, and affordable pricing, allowing homeowners to choose a home protection plan that’s right for them. We recommend getting quotes from all three home warranty companies so you can compare your options and select a plan within your budget.
What Is Covered Under a Virginia Home Warranty?
Typically, a Virginia home warranty will cover major systems and appliances like your air conditioner, refrigerator, clothes washer and dryer, dishwasher, heating, plumbing, and electrical systems. The best home warranty companies in Virginia will include optional coverage for items such as pools, spas, septic systems, well pumps, and roof leaks.
How Much Does a Home Warranty Cost in Virginia?
On average, a home warranty costs around $300–$600 per year. Home warranties that cost around $300 will provide more basic coverage for essential systems and appliances, while service contracts on the more expensive end will provide more comprehensive coverage.
In addition to paying a monthly (or annual) premium, homeowners will also have to pay a service call fee any time they file a claim with their home warranty provider. Typically, service fees cost between $75–$125 per claim, but there are some companies, like Choice Home Warranty, that have service fees as low as $60.
Frequently Asked Questions about Virginia Home Warranties
How does a home warranty work in Virginia?
When a covered item breaks, you can file a claim online or through the phone with most home warranty providers. Once your claim is approved, the company will connect you with a local contractor or allow you to choose your own service technician.
After scheduling an appointment for repairs, a technician will come to your house, you’ll pay a service fee, and the tech will diagnose your broken item and determine if it can be fixed with a repair or replacement.
When can I get a home warranty?
We recommend purchasing a home warranty when buying a home to get protection for your systems and appliances as quickly as possible. Sometimes, a real estate agent will include a home warranty to sweeten the deal for home buyers. However, you can sign up for a home warranty any time during homeownership.
Are home warranty plans worth it?
The value of a home warranty depends on the repairs and replacements that you claim. If the cost of repairs or replacements exceeds the amount you pay annually for your warranty, then having a home warranty is ideal.
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon 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.
With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:
- Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
- Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
- Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
- Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
- State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
- Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
- Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.
In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. 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.
To share feedback or ask a question about this article, send a note to our Reviews Team at firstname.lastname@example.org.