6 Best Home Warranty Companies in Virginia (2024)

We recommend Liberty Home Guard for Virginia homeowners who need unique home protections and coverage for multiple AC units. The company offers 42 add-on options, such as roof leaks, additional refrigerators, and professional-grade appliances.

Monthly cost: $49–$59

We scored Liberty Home Guard 4.5 out of 5 stars in our review standards. Here’s how LHG rated in key categories.

• Coverage (4.7 out of 5): The company received more points for its plan coverage and add-on catalog.
• Value (4.25 out of 5): LHG lost points for its vague and inflexible service fee policy.
• Trustworthiness and Transparency (4.8 out of 5): LHG scored high for its excellent customer review scores and A rating with the Better Business Bureau (BBB).
• Availability and Service (4.3 out of 5): LHG lost points for its restrictive service technician policy.

Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. After reviewing the Liberty Home Guard sample contract, we learned that Virginia homeowners receive a $2,000 cap for their HVAC systems. Although roof-leak coverage isn’t included in any plans, add-on protection is available. Homeowners also receive a 60-day workmanship guarantee, double the industry standard.

Here’s an overview of the monthly plans from LHG:

• Appliance Guard: This appliance-only coverage plan includes major appliances, such as clothes washers and refrigerators.
• Systems Guard: This plan option covers built-in systems, such as ductwork, heating, and cooling.
• Total Home Guard: The highest plan option combines the coverage of the Appliance Guard and Systems Guard plans.

Liberty Home Guard offers monthly and annual premium rates. The company offers two free months of coverage when you pay annually. We also learned that LHG doesn’t offer flexible service fees. An LHG rep explained that fees vary per account based on your location, plan options, and add-ons.

Here’s an overview of LHG monthly pricing:

With 42 coverage options, Liberty Home Guard offers the most extensive add-on catalog in this review. Expect to pay $11.99 for added roof-leak coverage. Additional options include extra appliances, electronics, and pest control. In our sales quote, LHG highlighted the following items as popular for Virginia homeowners:

• Ice maker (In-fridge)
• Septic system pumping
• Well pump

We tested LHG’s customer support during secret shopping to find the most efficient options. 

We called the LHG customer support team and reached a representative in under one minute. The representative was courteous and answered all of our questions. We tried the online chat service and initially reached an automated bot. After asking for a representative twice, we were connected with someone in under 30 seconds. We recommend the live chat for simple, one-off questions and over-the-phone support for detailed plan discussions.

We recommend American Home Shield for Virginia homeowners due to the comprehensive HVAC coverage included with each plan. The company also provides coverage for essential home appliances and add-on options for roof leak protection.

Monthly cost: $49–$109

We scored American Home Shield 4.4 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): American Home Shield scored well for its comprehensive plans and roof-leak add-on protection. 
• Value (4 out of 5): We deducted points for its higher premium rates and lack of annual pricing. 
• Trustworthiness and Transparency (4.25 out of 5): AHS lost points for its lower customer review scores on third-party review sites. 
• Availability and Service (4.7 out of 5): We awarded higher points for its online claims process and 24/7 claims line.

American Home Shield provides three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. We reviewed the American Home Shield sample contract and learned that Virginia homeowners can select any plan and receive HVAC coverage. You can add roof-leak protection to the ShieldSilver or ShieldGold. You can also opt for the company’s most comprehensive plan, ShieldPlatinum, and receive $1,500 of roof-leak coverage in its standard plan. If you also need appliance coverage, select the ShieldGold plan or ShieldPlatinum.

We’ll outline American Home Shield’s coverage plans below:

• ShieldSilver: Its basic plan includes home system-only coverage and heating, cooling, and plumbing. 
• ShieldGold: This plan includes the ShieldSilver protections and adds major appliance coverage, such as refrigerators and cooktops. 
• ShieldPlatinum: Its most comprehensive plan includes ShieldGold coverage plus additional benefits, such as roof-leak repairs and service discounts.

You can choose from a $100 or $125 service fee to adjust your monthly costs. When we chose the higher service fee, the monthly costs decreased. We recommend choosing a service fee that fits our budget.  Unlike other providers that offer monthly and annual plan options, AHS only provides a monthly premium.

American Home Shield’s pricing, including premiums and service fees, is outlined below:

American Home Shield provides only six add-on options for its plans. Our other reviewed companies offer around 10 or more, on average. AHS has the smallest selection in this review. You can add roof-leak coverage for $10 per month. Add-ons range from $4.99 monthly for septic system coverage to $21.99 monthly for guest unit protection.

Other add-on options include the following items:

• Electronics protection plan
• Septic pump
• Well pump

Our team member had a positive experience with AHS when he had to file a claim for a leaky bathroom pipe. He submitted a claim online to start the process and received email and text confirmations immediately after. A service technician contacted him in under an hour to schedule the repair appointment for the next day. The technician completed the repair in two hours and only charged a service fee.

We recommend Elite Home Warranty for Virginia homeowners who want customizable coverage plans and solid HVAC coverage. The company offers three coverage plans, a customized option, and 27 add-ons.

Monthly cost: $44–$58

We scored Elite Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.6 out of 5): Elite scored well for its three coverage plans and extensive add-on catalog, the second largest in this review. 
• Value (4.25 out of 5): Elite lost points for offering only one standard service call fee and charging a separate high fee for high-end appliance service calls. 
• Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on third-party sites and BBB. 
• Availability and service (4.5 out of 5): Elite lost points for not offering an online quote option like other reviewed providers.

Elite Home Warranty offers three standard protection plans: Elite Appliances, Elite Systems, and Elite Complete. After reviewing the Elite Home Warranty sample contract, we learned HVAC systems receive a $4,000 coverage limit. However, if your heating or cooling system isn’t part of an HVAC system, you receive $3,000 per system instead. Elite includes a $15,000 annual limit for its plans, which is your overall limit for claims within a contract term. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems. In addition, no plans include roof-leak coverage. You must add it as an add-on feature.

Here are the details of each Elite coverage plan:

• Elite Appliances: This appliance-only plan includes eight appliances, such as built-in microwaves and refrigerators.
• Elite Systems: The system-only plan protects eight systems, such as air conditioning, heating, and electrical systems.
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for a more comprehensive option.

Based on our sample quotes, Elite Home Warranty monthly premiums range from $44–$58. The company charges a standard service call fee of $70. Most providers offer two or more options for better plan customization. However, Elite charges a $150 service call fee for  high-end appliance repairs and service calls after hours or on the weekend.

Here’s an overview of Elite’s pricing below:

*Coverage caps vary by item

Elite offers the second largest add-on catalog in this review, with 27 options. Similar to its standard coverage, limits vary by item. You can add $4,000 of coverage for a geothermal heating and cooling system but only $1,000 for roof-leak coverage. Elite also imposes a term limit for add-on coverage. You receive $5,000 per term for add-on claims.

Here are some of Elite’s add-on options below: 

• Freestanding ice maker
• Pool and spa
• Septic system

Our team member tested the claim process of Elite Home Warranty to repair a broken high-end dishwasher. After submitting an online claim, an Elite claims specialist called him within 30 minutes. He received a next-day service appointment for the repair. When the technician arrived, he realized he needed to order a part for the repair. Since it was out of stock, he returned several days later once it came in. The technician returned with the required parts and completed the repair within 30 minutes.

Elite uses in-network technicians for its repairs and backs its work with a 90-day workmanship guarantee. You can also choose your own technician. However, you won’t receive any workmanship coverage.

We recommend Select Home Warranty for any Virginia homeowner who needs basic home protection at affordable prices. The company includes free roof-leak coverage with every plan and provides coverage for $50 or less per month.

Monthly cost: $44–$47

We scored Select Home Warranty 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (3.7 out of 5): Select lost points for lower coverage limits, which fall below the industry standard of $2,000.
• Value (5.5 out of 5): Select received a perfect score for offering low-cost coverage plans under $50.
• Trustworthiness and Transparency (4.5 out of 5): We deducted points for its online review scores, which were lower than some reviewed providers.
• Availability and Service (4.3 out of 5): The company lost points for its longer claims process, which could take 48 hours or more.

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. After reviewing the Select Home Warranty sample contract, we learned that HVAC coverage receives the highest caps, maxing out at $3,000. However, all other covered items receive $500. These caps are lower than the industry standard and many other reviewed providers. We recommend choosing Select if you need low-cost coverage for HVAC systems but less protection for other home items.

Here’s a breakdown of Select Home Warranty plan options:

• Bronze Care: This appliance-only plan includes major appliances, such as garbage disposals and refrigerators. 
• Gold Care: Its system-only coverage protects major home systems, such as air conditioning, electrical, and plumbing. 
• Platinum Care: The highest tier combines the Bronze and Gold Care coverage and adds additional items, such as plumbing stoppages and garage door openers.

The company offers annual and monthly premiums for its plans. Our sample quote for annual premiums included two additional months of coverage and a $150 discount. Select does not offer a flexible service fee. Instead, the company assigns a $60–$75 service call fee based on your location, selected plan, and add-on coverage.

We’ve outlined Select’s monthly prices and fees below:

Select offers nine add-on options with its plans. Select offers low-cost add-ons, with pricing ranging from $3.33–$8.33. Pricing is lower than other review providers, but Select limits coverage limits to $400 or less. The company doesn’t offer a second refrigerator or added plumbing coverage.

Some examples of additional add-ons are listed below: 

• Central vacuum
• Lawn sprinkler system
• Well pump

After speaking with a Select representative, we learned that the company prefers resolving issues and processing claims over the phone. Select assigns a service technician from its own network to resolve your issues, but the company will make an exception if no technicians are in your area. Select allows you to choose your own contractor but requires approval before starting the repair work.

We recommend First American Home Warranty for Virginia homeowners seeking high coverage caps for their high-end appliances. The company offers up to $7,000 of appliance coverage on its highest plan, plus unlimited system caps for HVAC and plumbing.

Monthly cost: $42–$82

We scored First American Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): First American scored well for its plan protection, which includes high coverage caps.
• Value (4 out of 5): We deducted points for its higher service fees and plan costs.
• Trustworthiness and Transparency (4.8 out of 5): First American received solid scores for its industry experience and positive customer reviews.
• Availability and Service (4.3 out of 5): We deducted points for its inconsistent claim turnaround time and service contractor limitations.

First American Home Warranty provides three plans: the Starter Plan, the Essential Plan, and the Premium Plan. After reading the First American’s sample contract, we learned that roof-leak protections are only included with the highest plan option. The Starter and Essential plans require a roof-leak add-on. You can add the First American Advantage upgrade to the Essential and Premium plans for extended coverage. This extra protection applies to covered systems and appliances regardless of improper upkeep, faulty installation, or modification.

Here’s an overview of First American’s coverage options:

• Starter Plan: This plan includes a mix of built-in system and appliance coverage, such as plumbing, electrical, and refrigerators.
• Essential Plan: The Essential Plan includes the Starter Plan coverage and additional protections, such as air conditioning, clothes washers, and water heaters.
• Premium Plan: This highest coverage plan includes the Essential Plan protections and additional coverage for luxury appliances and window air conditioning units.

First American offers annual and monthly premium options for better pricing selection. However, we didn’t receive any free monthly coverage or discounts for choosing an annual premium. It offers $75, $100, or $125 service call fees. Our premium pricing increased when we chose the lowest service fee for our sample quote. 

First American’s premium rates are listed below:

First American offers 12 plan add-on options. You can add roof-leak protections for $8.33 per month and HVAC tune-ups for $2.08 monthly. Additional coverage includes up to three additional refrigerators for $4.17 each. The First American Advantage upgrade is available at no cost. In addition, it’s $8.33 per month to add central air conditioning to the Starter Plan.

Additional add-on options include the following items:

• Septic tank pumping/system 
• Water softener
• Well pump

One of our team members filed a First American claim online for a malfunctioning garage door opener. He received a text confirmation with the technician’s details within 30 minutes of submitting the claim. Next, he was contacted by the technician 30 minutes after that to schedule the service appointment. The repairs took less than 30 minutes, and our team member only paid the service call fee for the visit.

We recommend Choice Home Warranty for Virginia homeowners looking for simplified, comprehensive plans at an affordable price. Although the company only offers two coverage plans, they both cover appliances and systems for under $60.

Monthly cost: $46–$55

We rated Choice Home Warranty 4.5 out of 5 in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): Choice received a high score for its generous $3,000 coverage caps.
• Value (3.75 out of 5): Choice lost points for its service call fees, offering only one option.
• Trustworthiness and Transparency (4.7 out of 5): Choice scored well for its extended workmanship guarantee, which lasts 90 days.
• Availability and Service (4.7 out of 5): Choice receives higher points for its quick claim processing, which starts within four hours after submission.

Choice Home Warranty only offers two plan options: the Basic Plan and the Total Plan. Our other reviewed providers offer a minimum of three options, providing you with a better range of choices. After reviewing Choice Home Warranty’s sample contract, we discovered that the Basic Plan excludes coverage for some key systems and appliances that many Virginia homeowners need. Excluded items include air conditioning, clothes washers, clothes dryers, and refrigerators. To receive full coverage, you must move to the more expensive Total Plan. 

None of the company’s plans include roof-leak coverage. You must select an add-on to receive that protection.

Review Choice’s coverage plans below:

• Basic Plan: This plan offers comprehensive protection to 14 systems and appliances, such as heating systems, ovens, and plumbing systems.
• Total Plan: The next plan tier covers 18 appliances and systems, such as air conditioning, clothes washers and dryers, and refrigerators.

Choice Home Warranty offers both annual and monthly premium options. However, selecting the monthly payment plan comes with an additional $2.50 monthly fee. All Choice Home Warranty plans include a standard $100 service call fee. Many home warranty companies provide tiered service call fee options, allowing for more pricing flexibility. Choice’s service fee falls above the $75 average, placing it closer to American Home Shield’s lowest pricing.

Below is a summary of Choice’s pricing and coverage caps:

Choice Home Warranty offers 11 additional plan options, which is about average compared to other home warranty companies. The add-on pricing ranges from $3.33–$15 per month, making them more affordable than some providers. However, coverage caps vary by item and range from $250–$500. You can add roof leak protection for $5.83 per month and coverage for a second refrigerator for just $3.33.

Additional add-on coverage includes the following options:

• Stand-alone freezer
• Septic tank systems
• Sump pump

We found mixed reviews for Choice Home Warranty when reading through third-party customer reviews. The company currently holds a B rating with the Better Business Bureau (BBB). However, some homeowners have complained of long repair delays and poor customer service responsiveness.

In 2019, the Arizona Attorney General filed a consumer fraud lawsuit against Choice. The ongoing lawsuit alleges the company uses coverage loopholes to avoid paying for covered repairs.

We recommend carefully considering whether Choice Home Warranty is the right provider for your home.