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:


 

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 and Cons

✔ 38 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 $2,000 per covered item

Plans and 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: $69.99 per month
  • Systems Guard: $74.99 per month
  • Total Home Guard: $79.99 per month
To request a quick quote from Liberty Home Guard and learn more about its service fees, fill out this online form or call 866-452-9107.

Learn more: Liberty Home Guard Review


 

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 and Cons

✔ Provides 24/7 customer service
✔ Has generous coverage caps
✔ Offers optional coverage for electronics

✘ No plan to cover appliances only

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

Learn more: American Home Shield 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 and 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 and 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
To request a personalized quote from Select Home Warranty, fill out this quick form or call 888-370-3956.

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 and 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 and 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
To get a free quote from America’s First Choice Home Club, call 877-755-1115 or fill out this online form.

Learn more: AFC Home Club Review


 

First American Home Warranty

First American Home Warranty (FAHW) offers some of the most affordable plans in the industry, while also providing comprehensive coverage that doesn’t cut corners. Although FAHW’s base plans don’t include air conditioning, you can select it as an add-on for less than $10 and its coverage is comparable to its competitors. 

Pros and Cons

✔ Prices plans for less than $47 per month
✔ Offers First Class Upgrade to cover costs related to covered claims, such as debris removal and cranes
✔ Covers appliances up to $3,500 per item

✘ Only covers air conditioning as an add-on
✘ Doesn’t allow you to choose your own contractor

Plans and Pricing

First American Home Warranty offers two plan options: the Basic Plan and the Premier Plan. The Basic Plan covers appliances, such as your dishwasher and laundry machines. The Premier Plan covers all the items in the Basic Plan, plus several home systems, including your heating, ductwork, and electrical. 

FAHW charges an $85 service call fee each time you file a claim. You can compare monthly pricing below:

  • Basic Plan: $36 per month
  • Premier Plan: $46.50 per month

To request a free quote, call 800-891-9778 or fill out First American Home Warranty’s simple form

Learn more: First American Home Warranty Review


 

Our Conclusion

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 ShieldLiberty Home Guard, Select Home Warranty, America’s 1st Choice Home Club, and First American Home Warranty 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 at least three home warranty companies so you can compare your options and select a plan within your budget.


 

Frequently Asked Questions


 

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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