We selected American Home Shield as the best home warranty company in West Virginia because of its industry experience and extensive coverage, including protection for items with preexisting damage. We also recommend Choice Home Warranty for homeowners seeking budget-friendly plans, with rates below $75 per month.
In West Virginia, a home warranty protects against unexpected breakdowns from wear and tear, which the state’s harsh winters and frequent rainfall can increase over time. Coverage can help homeowners manage the costs of repairing or replacing aging systems and appliances, particularly in older homes. Keep reading to learn more about our top West Virginia picks and our full list of top providers in the state.
Key Takeaways
- Our team chose American Home Shield as our top home warranty company for West Virginia homeowners.
- The average home warranty cost in West Virginia is $58–$86 per month, or $693–$1,012 per year.
- According to our 2025 survey of 2,000 home warranty users nationwide, about 58% said coverage was their key consideration when shopping for a home warranty plan.
West Virginia’s Top 5 Home Warranty Companies
The highest-rated West Virginia home warranty companies include the following:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing Home Warranty Companies in West Virginia
When selecting the top West Virginia home warranty companies, our team considered plan options, pricing, Better Business Bureau (BBB), and other factors. The table below compares our top picks based on some of these key factors.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $77–$130 | $100–$125 | ||
B | $44–$82 | $75–$125 |
Note: We based the pricing information in this table on average costs obtained from sample quotes for single-family homes over 5,000 square feet in all 50 U.S. states. Your pricing may vary depending on your home’s location, size, type, and plan selections.
BBB ratings are accurate as of March 2025.
Reviews of Home Warranty Companies in West Virginia
American Home Shield
American Home Shield (AHS) offers comprehensive coverage for major systems and appliances and service call fee flexibility. In addition, the company covers unique instances other providers typically don’t, such as rust, corrosion, or sediment damage.
Pros and Cons
Pros
- Offers a flexible service call fee model that allows customers to adjust monthly fees for their budget
- Provides coverage for unknown preexisting conditions and items damaged by rust and corrosion
- Sets generous coverage caps
Cons
- Doesn’t offer an appliance-only coverage plan
- Offers less coverage flexibility than most providers with only a few add-on options
Plans and Pricing
American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. We looked through American Home Shield’s sample contract directory and called a representative to ask about the company’s plans. The representative noted that the company imposes a $5,000 coverage cap per covered system in its systems-only plan, ShieldSilver. ShieldGold adds coverage for appliances, which have a $2,000 coverage limit. ShieldPlatinum also combines system and appliance coverage and increases its appliance limit to $4,000; plus, it adds roof-leak coverage, up to $1,000 in code upgrades, an HVAC tune-up, and air filter discounts.
American Home Shield allows you to pull a quote by calling a representative or using its online tool. When we used the online quote tool, it allowed us to choose a service call fee of $100 or $125. The company states that a higher service call fee will result in a lower monthly premium and vice versa. All plans come with a 30-day workmanship guarantee on any completed repairs covered by the plan.
While pulling our quote, we discovered that American Home Shield only offers monthly premium options. Unlike other providers on this list, it doesn’t include an annual premium discount.
Here are details on each of American Home Shield’s plans:
- ShieldSilver ($47 per month): Covers 14 home systems, such as HVAC, plumbing, and electrical
- ShieldGold ($67 per month) Covers 14 major systems and nine appliances, such as clothes washer, clothes dryers, and refrigerators
- ShieldPlatinum ($97 per month) Includes the ShieldGold coverage, plus added perks such as free roof-leak coverage and HVAC tune-ups
- Optional add-ons: Up to six add-ons, including electronics, pools/spas, guest units, septic pumps, and well pumps
What To Expect
Our American Home Shield tester filed a claim for a bathroom and kitchen floor leak, finding the process quick and simple through his smartphone. After submitting the claim, he received confirmation within five minutes and was contacted by a local contractor with flexible appointment times. The contractor arrived early the next day, completed the repair in two hours, and provided professional service along with advice on mold prevention. The tester was satisfied with the service and only paid the service call fee.
Choice Home Warranty
Choice Home Warranty could offer a good fit if you need basic system and appliance coverage at an affordable rate. The company provides combined systems and appliance plans for under $75 per month, making it more affordable than some providers, including American Home Shield and First American Home Warranty.
Pros and Cons
Pros
- Includes a 60-day guarantee for labor and 90 days for parts
- Extends generous $3,000 coverage limits on most items
- Provides systems and appliance plans priced below $75 per month
Cons
- Has an ongoing legal case with the Arizona Attorney General
- Excludes some key systems and appliances from its lowest plan tier
Plans and Pricing
Choice Home Warranty offers two plan options: the Basic Plan and the Total Plan. Although this is fewer than many home warranty providers with three or more options, both of Choice’s plans include system and appliance coverage. However, according to the Choice Home Warranty sample contract, the Basic Plan excludes key items like air conditioning, laundry appliances, and refrigerators, which many competitors include in their basic coverage plans. You must upgrade to the Total Plan to receive coverage for these essential items.
Choice Home Warranty also charges a $100 service fee for all its plans, whereas many competitors provide multiple service fee options, offering more flexibility in pricing.
Here are details on the Choice Home Warranty plans options:
- Basic Plan ($63 per month): Covers seven systems and seven appliances, such as heating, ductwork, and plumbing stoppages
- Total Plan ($72 per month): Covers eight systems and 10 appliances, adding air conditioning, laundry appliances, and refrigerators
- Optional add-ons: Up to 10 options, including central vacuums, second refrigerators, pools and spas, septic systems, and well pumps
Our Experience with Choice Home Warranty
Our Choice Home Warranty tester filed several claims, including one for her oven. She initiated the claim by phone, which took about five minutes, and was then directed to the online portal. After submitting the claim under a pre-set description of “burner stove,” she received email confirmation within 24 hours. The service quality and timing differed with each contractor; some resolved issues quickly, while others needed multiple visits or left repairs unfinished. Appointment times ranged significantly, from as short as one day to as long as one month, leading to frustration during the wait.
Elite Home Warranty stands out for its flexibility. The company offers three standard plans and a “Customize Your Own” plan, allowing you to select the appliances and systems that matter most to you.
Pros and Cons
Pros
- Includes a 90-day workmanship
- Offers 30 add-ons for better coverage customization
- Provides a fully customizable plan option
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technician
Plans and Pricing
When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.
The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.
Below are the details of Elite’s coverage plans:
- Elite Appliances ($45 per month): Covers eight essential appliances, including cooktops, clothes washers, and dishwashers
- Elite Systems ($50 per month): Covers eight home systems, such as air conditioning, heating, and electrical systems
- Elite Complete ($60 per month): Combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection
- Optional add-ons: Up to 30 add-ons, including sewer lines, freestanding ice makers, pool equipment, sump pumps, and HVAC annual maintenance
Our Experience with Elite Home Warranty
Our Elite Home Warranty tester submitted a claim for a broken high-end dishwasher. After filing the claim online, he received a call from a claims specialist within 30 minutes and was given a next-day appointment. When the technician arrived, he found that the repair required out-of-stock parts, but returned the following Monday morning with the necessary components. The technician completed the repair within an hour, making the process efficient despite the slight delay.
First American Home Warranty
First American Home Warranty is a good option if you own high-end appliances due to its high appliance coverage caps. The company also offers a suite of add-ons plus a plan upgrade that covers miscellaneous fees that many home warranties typically exclude.
Pros and Cons
Pros
- Provides unlimited coverage caps on heating, cooling, and ductwork
- Covers up to $1,000 in limited roof-leak repair
- Offers customers access to appliance discounts
Cons
- Covers air conditioning only as an add-on in the Starter Plan
- Omits home system coverage from its basic plan
Plans and Pricing
First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. It offers customers the choice of a $100, or $125 service call fee. We read through First American’s sample contract for more details on their plans. The provider sets the coverage limit for appliances at $3,500 per item in its Starter and Essential plans and increases coverage limits to $7,000 per covered appliance in its Premium Plan. Upon speaking with a representative, we discovered the company doesn’t outline hard limits for built-in systems coverage except for water heaters. First American covers all repairs for 30 days.
Unlike other providers that offer annual premiums, First American doesn’t include extra months of coverage or a discount if you choose a yearly premium. First American provides an online quote tool or a sales phone line to pull a free quote.
Here are more details about First American’s plan coverage:
- Starter Plan ($88 per month): Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms
- Essential Plan ($111 per month): Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage door openers, trash compactors, and water heaters
- Premium Plan ($141 per month): Covers all items in the Essential Plan plus entire garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units
- Optional add-ons: Up to nine add-ons, including additional refrigeration, air conditioning for Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping
Our Experience with First American Home Warranty
Our First American Home Warranty tester purchased a plan to test the claims process. He filed a claim for his garage door opener on a Friday, and First American sent a service technician the following Monday. The technician arrived on Monday and resolved the issue in under 30 minutes. The only cost to our tester was the service call fee.
AFC Home Warranty
AFC Home Warranty stands out for its flexible technician policy, allowing you to select your preferred repair technician rather than assigning one for you. This is a good option if you have a trusted professional you prefer to work with or want more control over the service experience.
Pros and Cons
Pros
- Offers unlimited coverage for HVAC and water heaters
- Includes a plan-length workmanship guarantee
- Offers four plans and two service call fees for better customization
Cons
- Has lower system coverage limits than other providers we’ve reviewed
- Offers lower payouts for items five years and older
Plans and Pricing
AFC Home Warranty offers four plans: Silver, Gold, Platinum, and Diamond. After reading through an AFC Home Warranty sample contract, we learned that coverage limits vary between items. Appliance coverage ranges from $150–$3,000, while system coverage falls between $150 and $500. The company, however, provides unlimited coverage for heating, cooling, and water heaters. Due to its depreciation policy, AFC Home Warranty also reduces payouts for items older than five years. This means you won’t receive a full claims payout if your broken item is older.
Here is a breakdown of AFC Home Warranty’s coverage plans:
- Silver Plan (call for a quote): Includes nine appliances, including dishwashers, cooktops, and garage door openers
- Gold Plan ($44 per month): Includes nine appliances and six home systems, such as HVAC, water heaters, and electrical
- Platinum Plan ($51 per month): Includes 10 appliances and nine home systems, such as built-in microwaves, plumbing stoppages, and faucets
- Diamond Plan ($82 per month): Includes Platinum Plan coverage, plus coverage for electronics and exterior sewer and water lines
- Optional add-ons: Up to eight options, including electronics, stand-alone freezers, sump pumps, and well pumps
Our Experience with AFC Home Warranty
Our AFC Home Warranty tester filed a claim for a running toilet that wouldn’t fill and found the online claim process was simple and efficient. The company quickly connected her with a contractor, despite her home’s location in a rural area. Although the first contractor couldn’t resolve the issue, a second contractor arrived promptly and fixed it. She was pleased with the service and had no out-of-pocket expenses for the second repair visit.
How Much Does a Home Warranty Cost in West Virginia?
In West Virginia, a home warranty typically costs between $58 and $86 per month, or $693 and $1,012 annually. This is slightly above average home warranty pricing nationwide, which ranges from $47–$82 per month, or $564–$984 per year. The exact price depends on the provider, the level of coverage, and any optional add-ons you choose.
Several factors influence home warranty costs in West Virginia. Larger homes often require higher premiums, while basic plans covering only appliances or home systems typically cost less than comprehensive plans. Service call fees, typically costing $75–$125 per claim, also impact your monthly premium. Many providers allow you to adjust your service fee, with higher fees resulting in lower monthly payments and lower fees leading to higher premiums.
Is a Home Warranty Worth It in West Virginia?
It’s common for systems and appliances to break down or fail over time due to normal wear and tear. A home warranty from a top provider can help protect you from the expensive costs associated with repairing and replacing your broken systems and appliances. A home warranty, also known as a residential service contract, can relieve the stress of finding a licensed and pre-screened technician to address repairs.
FAQs About Home Warranties in West Virginia
How does a home warranty work in West Virginia?
If covered items break down and you have a home warranty, you can submit a claim with your provider. Once your claim is approved, the company will send a service contractor to your home, typically within 48 hours. After the contractor inspects the appliance or system in question, you’ll pay the service fee set by your provider. As long as the item and repair is covered by your plan and doesn’t exceed outlined limits, you should only owe a service call fee.
Will home warranty companies replace HVAC systems?
Home warranty companies may cover HVAC system replacements, but it depends on the specifics of your plan. Review the terms and conditions in your sample contract to determine if your HVAC system is covered, as coverage can vary by provider and plan type. Some plans cover repairs or replacements, while others may limit coverage based on the system’s age or condition. Always verify your coverage details to ensure your HVAC system is included.
Other Resources for Residents in West Virginia
Our Rating Methodology
We used a comprehensive rating methodology to evaluate each home warranty company. Our process involved having discussions with company representatives, collecting quotes, reviewing sample contracts, and conducting surveys and focus groups with homeowners. Additionally, we tested the sign-up and claims process for 11 top-rated home warranty companies and conducted secret shopping to gather insights into the customer experience.
After analyzing the data, we scored each provider on six key comparison categories that matter most when selecting a home warranty. We assigned each company a total score out of 100 points, which was then converted into a 5-star rating.
Below is an overview of our weighted factors:
- Coverage: We assessed each provider’s coverage, giving higher scores for those covering a wide range of items with higher annual limits. Points were subtracted for having long waiting periods or policies that reduce payouts for older items.
- Cost: We evaluated pricing and service call fees, giving more points to providers with competitive pricing and no hidden charges.
- Trustworthiness: We reviewed customer feedback on platforms like BBB and Trustpilot, awarding higher scores to providers with solid ratings and no major legal issues.
- Plan transparency: We rated how clearly each provider communicated its terms, rewarding those with straightforward contracts and transparent policies.
- Customer support: We examined the accessibility and responsiveness of customer support, favoring companies that offer prompt and helpful service.
- Flexibility: We scored higher for companies offering various plans, numerous add-ons, the option to choose your technician, and easy cancellation policies.
