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6 Best Home Warranty Companies in Virginia (2024)

Author Icon Written by Dana Getz + 1 other Reviewer Icon Reviewed by Michael Mansueto Updated 04/12/2024

As a homeowner in Virginia, you know well how the changing seasons take a toll on your home. The right home warranty helps lower expensive repairs or replacements and keeps your home running year-round. Based on our research, we recommend Liberty Home Guard (LHG) for covering multiple air conditioners and its added roof-leak coverage. American Home Shield (AHS) is another top provider, thanks to its generous home system and appliance coverage. 

To determine our recommendations for Virginia, we reviewed nearly 60 leading home warranty companies based on consumer needs, industry research, and secret shopping. We scored each home warranty provider on more than 30 key factors, then chose the top six options for Virginia homeowners. Keep reading to explore our complete list of top Virginia home warranty providers.

Key Takeaways

The best home warranty companies in Virginia are American Home Shield and Liberty Home Guard, based on our extensive research of 57 home warranty providers.
A home warranty costs $42-$109 per month in Virginia, depending on your provider and coverage.
Our survey revealed 92.7% of policyholders were satisfied with their current home warranty plan.
Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.


What Are Top Home Warranty Companies in Virginia?

We reviewed 57 home warranty providers to find the best options for Virginia residents. Based on our research, we chose the top six providers below:

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
Elite Home Warranty: Best for Flexible Coverage
First American Home Warranty: Best Appliance Coverage
Choice Home Warranty: Best Basic Plan

When comparing Virginia home warranty providers, we used a scorecard with over 30 ranking factors, including pricing, response time, and service fees. The table below compares our top choices based on some of these key factors.

Star Rating Monthly Cost in VA Service Fee in VA Response Time Link
Liberty Home Guard Liberty Home Guard
$49–$59 $65–$125 Up to 48 hours VISIT SITE
American Home Shield American Home Shield
$49–$109 $100–$125 Up to 48 hours VISIT SITE
Elite Home Warranty Elite Home Warranty
$44–$58 $70 Up to 48 hours VISIT SITE
Select Home Warranty Select Home Warranty
$44–$47 $60–$75 48-84 hours VISIT SITE
First American Home Warranty First American Home Warranty
$42–$82 $75–$125 4-48 hours VISIT SITE
Choice Home Warranty Choice Home Warranty
$46–$55 $100 4–48 hours VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost in VA $49–$59
Service Fee in VA $65–$125
Response Time Up to 48 hours
VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost in VA $49–$109
Service Fee in VA $100–$125
Response Time Up to 48 hours
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost in VA $44–$58
Service Fee in VA $70
Response Time Up to 48 hours
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost in VA $44–$47
Service Fee in VA $60–$75
Response Time 48-84 hours
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost in VA $42–$82
Service Fee in VA $75–$125
Response Time 4-48 hours
VISIT SITE
Choice Home Warranty
Logo Choice Home Warranty
Star Rating
Monthly Cost in VA $46–$55
Service Fee in VA $100
Response Time 4–48 hours
VISIT SITE
Company BBB Rating Monthly Cost in VA Service Fee in VA Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $49–$109 $100–$125 VISIT SITE
A+ $44–$58 $70 Visit Site
B- $44–$47 $60–$75 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
B $46–$55 $100 VISIT SITE
No results were found.

*We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,470-square-foot, single-family home in Richmond, Virginia. Your pricing may vary depending on your home’s location, size, type, and plan selections.


The 6 Best Virginia Home Warranty Companies

We’ve provided detailed reviews of Virginia’s best home warranty providers below.

Liberty Home Guard

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

How We Scored Liberty Home Guard

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.

Pros and Cons

Pros Includes HVAC systems under two of its three plans Maintains excellent customer review scores across several review sites Offers a 60-day workmanship guarantee, double the industry standard Cons Could take up to 48 hours to respond to a claim Requires immediate claims filing when a problem is detected Won’t let you choose your own contractor

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

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

Our Experience With Liberty Home Guard

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.

American Home Shield

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

How We Scored American Home Shield

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.

Pros and Cons

Pros Includes HVAC coverage on every plan tier Offers two service fee options for better plan customization Provides roof-leak protection as an add-on or plan inclusion Cons Doesn’t offer an appliance-only coverage plan Only provides five add-on options Priced higher than other reviewed providers

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$49.99–$59.99

$100–$125

$5,000

ShieldGold

$69.99–$79.99

$100–$125

Systems: $5,000

Appliances: $2,000

ShieldPlatinum

$99.99–$109.99

$100–$125

Systems: $5,000

Appliances: $4,000

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 Experience With American Home Shield

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.

Elite Home Warranty

Flexible Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

How We Scored Elite Home Warranty

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.

Pros and Cons

Pros Includes a $4,000 limit for HVAC systems Provides a 90-day workmanship guarantee, three times the industry standard Offers 27 add-on options, including annual HVAC maintenance Cons Imposes a higher service call fee for high-end appliances Doesn’t cover out-of-network contractors under its workmanship guarantee Does not offer an online quote tool, requiring calls instead

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

$500–$3,000

Elite Systems

$49.99

$70

$750–$4,000

Elite Complete

$58.99

$70

Coverage caps remain the same

*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 Experience with Elite Home Warranty

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.

Select Home Warranty

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

How We Scored Select Home Warranty

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.

Pros and Cons

Pros Charges less than $50 per month for its premiums Offers free roof-leak coverage with every plan Protects HVAC systems under two of its three plans Cons Charges service fees for each claim even if claims occur at the same time Excludes coverage for unknown preexisting conditions Includes lower coverage caps than other reviewed providers

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

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

Our Experience With Select Home Warranty

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.

First American Home Warranty

Best Appliance Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

How We Scored First American Home Warranty

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.

Pros and Cons

Pros Covers up to $3,500 for appliances on its Starter and Essential plans Includes preexisting conditions and miscellaneous fees with its protection upgrade Protects home systems and appliances without age restrictions Cons Charges higher monthly premiums than other home warranty providers Doesn’t include air conditioning coverage under the Starter Plan Excludes roof-leak coverage from its two lower plans

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$42–$57

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$57–$67

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$67–$82

$75–$125

Systems: Remain the same Appliances: $7,000

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

Our Experience With First American Home Warranty

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.

Choice Home Warranty

Best Basic Plan
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

How We Scored Choice Home Warranty

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.

Pros and Cons

Pros Provides $3,000 caps for HVAC coverage Offers one of the most affordable comprehensive plans in this review Processes service requests within four hours of claim filing Cons Doesn’t cover air conditioners under its Basic Plan Has an ongoing lawsuit with the Arizona Attorney General’s Office Some customers have reported delayed repairs and difficulty reaching customer support

Plans and Cost

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:

Plan

Monthly Cost

Service Fee

Coverage Cap

Basic Plan

$46.67

$100

Systems: $3,000
Appliances: $3,000

Total Plan

$55

$100

Coverage caps remain the same

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

Our Experience With Choice Home Warranty

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.

*All BBB ratings are accurate as of March 2024.

Do I Need a Home Warranty in Virginia?

Virginia residents should consider a home warranty if they own a home and want it protected against unexpected system failures. For example, Virginia receives all four seasons, including humid summers. Around 95% of Virginia residents own air conditioning equipment, according to the U.S. Energy Information Administration (EIA). If your air conditioning fails unexpectedly and you don’t have home warranty coverage, you could pay hundreds of dollars in repair fees or thousands in replacement costs. 

We’ve researched the most common home system and appliance repairs and replacements faced by Virginia residents. We’ve listed our results below:

Air Conditioning

Electric Furnace

Plumbing leaks

Refrigerators

Roof leaks

In the event of sudden air conditioner failure, you risk exposing your family to high temperatures, taking a toll on your home life. Along with scrambling to find a trustworthy technician, you’ll also face average repair costs ranging from $100–$650. If the cooling system fails, the cost may increase to $2,500–$15,000.
A broken electric furnace could leave your family suffering through freezing temperatures. Along with uncomfortable conditions, a malfunctioning furnace can cause serious electric issues and release pollutants into your air. Average electric furnace repairs range between $30–$150. Your replacement bill could fall between $2,000–$7,000 for a complete furnace replacement.
Leaking pipes are not only a waste of water but can also increase utility bills. Additionally, stagnant water from leaks can lead to mold or mildew, which can pose health risks. If left untreated, leaks can cause significant damage to your home’s ceilings, floors, cabinets, and other essential structures, resulting in costly repairs. Fixing minor leaks can cost between $150 and $450, but major replacements can cost up to $5,000 out of pocket.
Refrigerator issues pose a  serious risk to food safety. The longer you wait, the higher the chances of contamination and spoilage of your perishables, which could lead to severe health issues and hundreds of dollars in food wastage. Repairing a refrigerator costs between $40 and $350 on average, while buying a new one can set you back up to $4,000.
A small roof leak can slowly grow into major home problems. Bacteria growth can gradually deteriorate your roof’s integrity. These issues could spread to your ceiling, walls, and personal belongings. The cost of repairs may range from $150–$2,000, depending on the extent of the damage. You might need a partial or complete roof replacement with severe damage, costing between $3,800 and $10,000.

How Much Does a Home Warranty Cost in Virginia?

Our research shows a home warranty plan costs an average of $60 per month in Virginia. Your actual cost can vary significantly based on your home’s size and type, location, plan, and add-on selections. To help you save on your home warranty plan, consider the following:

  • Choose add-ons wisely: Optional add-ons can quickly increase your monthly premium. Only purchase the add-on coverage options you think you’ll need. You can also save money by buying an appliance-only or systems-only plan. For most companies, you’ll need add-on coverage to receive roof-leak protections. 
  • Consider bundled coverage: In some cases, you may save more by purchasing a company’s most comprehensive plan since it bundles coverage you’d otherwise have to pay separately via add-ons. We recommend running quotes for comprehensive plans and comparing the costs of a specialized plan with your desired add-ons. 
  • Look for sign-up discounts: Some providers offer discounts for new policyholders. Others provide additional coverage months or a reduced rate when you pay your premium annually rather than monthly.
In Virginia, the constant temperature, humidity, and precipitation shifts can strain your home systems and appliances, leaving you with unexpected breakdowns and costly repairs.

What Does a Virginia Home Warranty Cover?

Virginia home warranty covers your essential home appliances and systems when they break over time. These policies cover the gradual wear and tear you get from these items. Homeowners insurance does not cover this type of protection, so having both a home warranty and homeowners insurance provides more complete coverage for unexpected problems.

Although Virginia home warranty coverage varies between providers, most companies offer similar protection, exclusions, and supplemental coverage. We’ve listed these standard protections below.

Common Inclusions

Common Exclusions

Common Add-ons

Standard home warranty coverage typically includes coverage for essential appliances and systems commonly found in homes:
Air conditioning
Built-in microwaves
Clothes dryers
Clothes washers
Cooktops
Dishwashers
Ductwork
Electrical systems
Garbage disposals
Heating systems
Ovens
Plumbing systems
Ranges
Refrigerators
Stoves
Water heaters
Home warranties cover normal wear and tear but don’t cover breakdowns caused by these situations:
Aesthetic problems that don’t impact function
Failures during the initial waiting period (typically 30+ days)
Preexisting conditions
Damage from incorrect installation/maintenance
Physical damage like rust or corrosion
Damage from natural disasters
Many providers offer add-on coverage for other items, including pools, roof leaks, and septic systems. Some typical add-on options include the following items:
HVAC maintenance
Electronics protection
Clothes dryers
Pest control services
Pools
Professional and high-end appliances
Roof leaks
Secondary appliances
Septic tank and pumping
Spas
Sump pumps
Well pumps

Our Home Warranty Research Process

Why Trust Us? Our review and rating process for the best home warranty companies
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Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
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Home Owners Surveyed We surveyed 2,000 home owners to see what they care about most when in comes to home protection.
57000
Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
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Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

To choose Virginia’s best home warranty providers, we began by speaking with home warranty experts to understand common issues Virginia homeowners face. We then reached out to companies to learn more about their plan offerings. We evaluated their plan options, obtained sample quotes, and reviewed contract terms. We also conducted secret shopping and tested the claims process with several providers.

We then scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. We checked for solid HVAC and roof leak protection offered through base plans or add-ons. We compared premium costs against provided coverage, ensuring affordable options were available. When reviewing trust and transparency, we researched brand reputation and read through third-party customer reviews. Finally, we examined the claims filing process, processing times, and customer service availability.

Our Home Warranty Experts

During our research process, we spoke with more than 15 home warranty experts to understand the home warranty industry and common consumer concerns. We consulted the following two professionals for insights on this article.
Arthur Chartrand: Chartrand served as legal counsel and former executive director for the National Home Service Contract Association (NHSCA). 
Daniel Cabrera: Cabrera is the founder of Sell My House Fast San Antonio, a home-buying real estate business. 

Which Home Warranty Companies Didn’t Make the List?

While rating the top home warranty companies for Virginia, we ruled out providers with restricted plan options, limited coverage, availability issues, and poor reputations. Although they didn’t make our list, these are legitimate companies that may be an option for Virginia homeowners with very specific coverage needs.

AFC Home Warranty

AFC Home Warranty includes an unlimited coverage cap for system coverage, including HVAC and plumbing. The company also provides unlimited workmanship coverage for its repairs and replacements. However, the company applies a depreciation policy for items that are five years or older. Its plans are not suitable for Virginia homeowners with older systems and appliances. AFC Home Warranty might be a better fit for homeowners needing system-only coverage and plan-length repair guarantees. 

Cinch Home Services

Although Cinch Home Services does provide HVAC coverage under two of its plans, it’s limited to $1,500, which falls below many other reviewed providers. In addition to the lower coverage cap, the company limits term claims to $10,000. The company also lacks roof-leak coverage within its standard plans and as an add-on option. Cinch could be a good alternative if you need baseline HVAC coverage only.

HomeServe

HomeServe offers 17 system-only plans but no add-on options. Available plans and exclusions vary by location, with differing coverage caps per system. However, most plans waive service call fees and have a 1-year workmanship guarantee. HomeServe is best for Virginia residents who want specialized coverage for one or two essential systems.


How Do You Choose a Home Warranty in Virginia?

There are several ways to choose the right Virginia home warranty. We’ve outlined our team’s top recommendations below:

  1. Determine coverage needs: We recommend listing all systems and appliances that need coverage and using that information as a guide as you shop. If you need mostly system coverage, consider a system-only plan. If you own older items, consider a policy that covers preexisting conditions and physical damage. 
  2. Request multiple quotes: Get quotes from at least three home warranty providers and compare their options. Look for companies with multiple service fees, annual and monthly premiums, and promotional discounts.
  3. Check coverage caps: Read sample contracts to understand your coverage limits per system and appliance. Cabrera says, “Homeowners should understand what specific items, parts, or situations the company excludes from the warranty.” Virginia homeowners should ensure essential things, such as HVAC, roof leaks, and plumbing, receive ample coverage.
  4. Ask about transfer policies: If you plan on moving within the next year or two, choose a home warranty that allows policy transfers to your new home. Most providers transfer your policy free of charge. Some charge a minimal fee.
  5. Confirm contractors are reputable: We recommend calling a provider and learning more about its claims processing, including its technician network. Chartrand recommends confirming how a company sources its service technicians. Choose a company that uses local service providers you’re familiar with. If you prefer more flexibility, consider a home warranty provider that lets you use your own technician.
  6. Verify brand reputation: Check customer reviews on third-party review sites to gauge each company’s brand reputation and customer experience. You should ask if your friends, family, or neighbors have experience with home warranty providers.

How Are Home Warranties Regulated in Virginia?

Our research shows that Virginia’s Board of Agriculture and Consumer Services (VDACS) is the general governing body that oversees home warranty regulation. The Office of Charitable and Regulatory Programs (OCRP) specifically enforces regulations set by the VDACS and the 2017 Home Protection Act. According to the Act, home warranty companies must obtain a license from the OCRP before conducting business within the state. It also lists multiple requirements a company must meet before it receives a license, such as maintaining a surety bond.

In addition to government oversight, industry organizations also oversee home warranties via self-regulation. For instance, the Service Contract Industry Council is a trade organization responsible for developing laws and regulations alongside state lawmakers. These laws center on providing consumer protection without unfair restrictions placed on companies.


Home Warranty Cost Calculator

We created a calculator to break down the estimated annual cost of owning a home warranty. 

To calculate your projected annual cost, use the following steps:

  1. Enter your monthly premium
  2. Enter your service call fee
  3. Enter your estimated number of claims 

It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

Use the table below to compare your calculated cost to repair and replacement costs for common appliances.

ApplianceAverage Repair CostAverage Replacement Cost

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Dishwasher

$50–$500

$400–$3,000

Exhaust Fans

$16–$300

$250–$950

Electric Range

$100–$500

$230–$3,000

Gas Range

$100–$500

$230–$3,000

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Washer

$50–$450

$400–$2,300

Freezer

$90–$500

$160–$2,900

Refrigerator

$40–$350

$200–$5,000

Life span and repair cost data sourced from InterNACHI and Home Depot


Other Resources for Residents in Virginia


FAQ About Home Warranties in Virginia

When can I get a home warranty in Virginia?

We recommend purchasing a Virginia home warranty to receive system and appliance protection as quickly as possible when you buy your home. A real estate agent sometimes includes a home warranty to sweeten the deal for homebuyers. However, you can sign up for a home warranty anytime during homeownership.

Are home warranty plans worth it in Virginia?

Yes, home warranty plans are worth the investment in Virginia. The value of a home warranty depends on the repairs and replacements 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.

Is a home warranty required in Virginia?

No, a home warranty is not required in Virginia. However, it does offer additional peace of mind and protection for your home systems and appliances. A home warranty can help offset expensive repair costs and protect your home appliances beyond their manufacturer warranty period.

What's covered under a Virginia home warranty?

Typically, a Virginia home warranty covers major systems and appliances, such as your air conditioner, refrigerator, clothes washer and dryer, dishwasher, heating, plumbing, and electrical systems. Some home warranty companies include optional coverage for items such as pools, spas, septic systems, well pumps, and roof leaks.


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for cities throughout the state.

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