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Best Home Warranty Companies in Virginia

A Virginia home warranty can protect major home systems and appliances when they break down or fail due to normal wear and tear. Keep reading for our top home warranty picks for Virginia residents.

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 three 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.

1. American Home Shield

American Home Shield is one of the best home warranty providers for Virginia homeowners. It has nearly 50 years of industry experience and has some of the most impressive coverage caps available to Virginia residents.

Pros & Cons

Pros Cons
Pros Cons
Provides 24/7 customer service Offers a limited 30-day repair guarantee
Has generous coverage caps No plan to cover appliances only
Offers optional coverage for electronics

American Home Shield provides homeowners with three different plan options—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans.

Here’s a pricing breakdown by plan:

Price Breakdown

Plan $75 service fee $100 service fee $125 service fee
Plan $75 service fee $100 service fee $125 service fee
ShieldSilver $44.99 $34.99 $29.99
ShieldGold $54.99 $44.99 $39.99
ShieldPlatinum $69.99 $59.99 $54.99

You’ll also 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.

Overall, American Home Shield is one of the best options for Virginia Homeowners because of its flexible plans, reasonable pricing, and years of experience.

To get a free quote from American Home Shield, call 888-751-6014 or fill out this online form.

2. 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

Pros Cons
Pros Cons
Has a lower deductible ($60–$85) compared to other home warranty companies Customers can’t build their own plan
No limitations on claims Doesn’t let you choose your own contractor
Guaranteed response time within 48 hours of receiving a claim

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.

Here’s what was quoted for single-family homes in Virginia less than 5,000 square feet:

Price Breakdown

Price by Month Price by Year
Price by Month Price by Year
$41.69 $495.00
$50.00 $600.00

In addition to these premiums, homeowners are required to pay a $60–$85 trade service call fee per claim

To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this online form.

3. America’s First Choice Home Club

America’s First Choice 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

Pros Cons
Pros Cons
Offers unique benefits like free credit monitoring and discounts on maintenance-related parts Doesn’t provide coverage for pre-existing conditions
Longest work guarantee in the industry Monthly premiums are slightly higher than the industry average
Provides twice the amount of plans that other home warranty companies do

AFC Home Club offers four plan options for Virginia homeowners: a Systems Plan, Silver Plan, Gold Plan, and Platinum Plan. To show you how many items are covered under each plan, here’s a coverage comparison:

Systems

Plans System Plan Silver Plan Gold Pan Platinum Plan
Plans System Plan Silver Plan Gold Pan Platinum Plan
Air Conditioning/Cooler
Heating System
Water Heater
Electrical System
Plumbing System
Plumbing Stoppages
Ductwork

Appliances

Plans System Plan Silver Plan Gold Pan Platinum Plan
Plans System Plan Silver Plan Gold Pan Platinum Plan
Clothes Dryer
Clothes Washer
Kitchen Refrigerator
Ice Maker
Oven
Range
Stove/Cooktop
Dishwasher
Garbage Disposal
Garage Door Opener
Built-in Microwave

Here’s the pricing breakdown for each AFC Home Club plan:

Monthly Price Breakdown

Term Length 3-Year (36 mo.) 3-Year (36 mo.) 3-Year (36 mo.) 1-Year (12 mo.) 1-Year (12 mo.) 1-Year (12 mo.)
Term Length 3-Year (36 mo.) 3-Year (36 mo.) 3-Year (36 mo.) 1-Year (12 mo.) 1-Year (12 mo.) 1-Year (12 mo.)
Service Fee $75 $100 $125 $75 $100 $125
System Plan $62.50 $58.75 $55 $39.58 $35.42 $31.25
Silver Plan $55 $52.50 $50 $37.50 $35.42 $33.33
Gold Pan $68.75 $65 $61.25 $45.83 $43.75 $125
Platinum Plan $78.75 $75 $71.25 $50 $47.92 $45.83
To get a free quote from America's First Choice Home Club, call 877-755-1115 or fill out this online form.

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.

Project House Kitchen Anthony Tieuli

Our Conclusion

A home warranty offers broader coverage than homeowners insurance and covers 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 First 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.

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.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.