The Best Home Warranty Companies in Virginia (2023)

Virginia has a very mild climate and access to the nation’s capital, mountains, and even a piece of the Atlantic coast. It’s quite obvious to see why people would be interested in living in Virginia. However, with the change in seasons and the overall humid climate on the shore, appliances and systems in a home can experience breakdowns and issues. 

In our review of the best home warranty companies in VA below, we’ll take into consideration many local factors to help you find the ideal home warranty for you. Those include the high summer temperatures that strain HVAC equipment and make pools popular, the high humidity that can strain refrigerators and freezers, and the high occurrence of tropical storms and hurricanes that can cause roof leaks.

The 5 Best Home Warranty Companies in Virginia

1. Choice Home Warranty: Best Overall
2. Liberty Home Guard: Most Trustworthy
3. Select Home Warranty: Most Cost-Effective
4. American Home Shield: Best Customizable Plans
5. The Home Service Club: Fastest Service

Compare the Best Home Warranty Companies in Virginia

What to Look for in a Virginia Home Warranty

Now that we have narrowed down the best home warranty choices in the state of Virginia, you will have to choose the one that best suits the needs of your home. There are some essential things that you should keep in mind when you are trying to narrow these policies down. Coverage caps, service fees, and the workmanship guarantee will all help to ensure that you choose the proper Virginia home warranty.

• Coverage Cap: The coverage cap for a home warranty is the amount a plan will pay out in a year. Some coverage caps or coverage limits will be around $500, and others will be closer to $3000. If your Virginia home has high-end appliances and systems, choose a plan with high coverage limits.
• Service Fee: The service fee is the amount of money you will pay each time your home needs a repair. Service fees range from $60 to $150. If you plan on experiencing quite a few repairs, choose a plan with a low service fee. 
• Workmanship Guarantee: Once a repair is made to your system or appliance, you will want to ensure that it will work. The workmanship guarantee gives you a window of time that you will be able to have your failed repair fixed, free of charge. 

Our Top Picks for a Home Warranty in Virginia

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Choice Home Warranty – Best Overall

• Average Annual Cost: $504-$639.96
• Response Time: Up to 48 hours

Why We Chose Choice Home Warranty

Choice Home Warranty is the best overall home warranty in the state of Virginia. If you know anything about Choice, you probably know that this is a quality plan offered all throughout the country. Choice Home Warranty has more than 13 years in the industry, and it is known for tremendous customer service, comprehensive knowledge, and great plan choices. If you are worried about the speed of service or workmanship quality, Choice Home Warranty will put you at ease.

Plans and Pricing

Virginia homeowners will have two home warranty policies to choose from. The Basic Plan and the Total Plan will be a combo or comprehensive options that cover both systems and appliances. The Total Plan tends to be more popular because the coverage choices are broader and will cover more systems and appliances. If, for some reason, you have a pool or a central vacuum that you want covered, you can apply some of the option coverages from Choice Home Warranty to your plan. The company has high coverage caps, and the service fee is $85, which is right around average.

Here’s a detailed look at Choice Home Warranty’s coverage: 

• Basic Plan ($42/month): Unlike most other basic plans, this one covers both appliances and home systems. It includes coverage for your plumbing, electrical, and heating systems, plus components and appliances that include your water heater, ductwork, oven, range exhaust fans, dishwasher, microwave, garbage disposals, ceiling fans, toilets, and garage door openers.
• Total Plan ($53.33/month): The total plan also covers appliances and home systems but is more comprehensive and offers a better deal. It includes everything in the Basic Plan, plus refrigerators, air conditioning systems, dryers, and washers. The addition of an AC system and refrigerator coverage is crucial for Virginians, making this plan more popular in the area.

Coverage

Choice Home Warranty also includes a number of add-on options for additional charges. These include:

• Central vacuum
• Limited roof leak
• Septic system
• Septic tank pumping
• Sump pump
• Well pump
• Pool/Spa
• Second refrigerator
• Stand-alone freezer

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

For more information, read our Choice Home Warranty Review.

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Liberty Home Guard – Most Trustworthy

• Average Annual Cost: $779.88-$899.88
• Response Time: Within 24 hours

Why We Chose Liberty Home Guard

Liberty Home Guard is the most trustworthy home warranty in the state of Virginia. Earning the name of the most trustworthy home warranty takes quite a bit of patience and a true dedication to customer service. What makes this even more impressive is that Liberty Home Guard has only been in the industry for two years. In those two years, they have also managed to earn a BBB rating of A. Liberty Home Guard has some great plan options for both appliance and system coverage, and they will help with any issue that may come up.

Plans and Pricing

Liberty Home Guard has the three standard home warranty policies that most companies have. You will find a systems plan, an appliances plan, and a combination plan. Some of the plans are going to be priced a bit higher than other options on the market. The Liberty Home Guard has the most extensive list of add-on coverage options on the market; everything from an ejector pump to a stand-alone freezer can be added to your plan. The coverage caps are a bit lower than other companies at just $1,500, but the service fee is below average at $75 per claim.

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($64.99/month): The Appliance Guard plan covers appliances only, so it’s not ideal for homeowners who want home system coverage as well. It includes refrigerators, ovens, microwaves, dishwashers, ice makers, garbage disposals, cooktop exhaust fans, clothes dryers, washers, garage door openers, and ceiling fans. It’s a bit expensive for appliance-only coverage compared to other providers.
• Systems Guard ($69.99/month): As the name suggests, the Systems Guard plan covers home systems but excludes appliances. You’ll get peace of mind when it comes to your plumbing, heating, electrical, and air conditioning systems, plus water heaters, ductwork, toilets, and bathroom exhaust fans.
• Total Home Guard ($74.99/month): The Total Home Guard plan is the most comprehensive and the most popular in Virginia. It covers everything in both of the other plans — appliances and home systems — for just $5 or $10 more per month. This plan is great for Virginia homeowners who want total peace of mind, as it offers some of the best coverage of all home warranties.

Coverage

One of the most impressive things about Liberty Home Guard’s coverage is the extensive list of add-on services you can purchase, including:

• Pool and spa
• Additional spa
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak coverage
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser 

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

To learn more information, visit our Liberty Home Guard review.

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Select Home Warranty – Most Cost-Effective

• Average Annual Cost: $624-$684
• Response Time: Up to 48 hours

Why We Chose Select Home Warranty

Select Home Warranty is the most cost-effective home warranty option for Virginia homeowners. With Select Home Warranty, you will find that the pricing for both the monthly plans and the service fee is quite fair. Virginia homeowners can rest assured that Select Home Warranty has almost ten years in the home warranty industry. In addition, Select Home Warranty has one of the strictest contractor or technician onboarding processes. This means that the workers coming into your home to complete a repair will be highly qualified.

Plans and Pricing

There are three Select Home Warranty plans to choose from. The systems plan, appliance plan, and combo plan give customers a great selection of coverage choices. The combo plan or Platinum plan is the most popular option on the market. It only costs a few dollars more per month, yet it includes all of the coverage on both the systems and appliance plan. If the plans don’t have quite enough coverage for your home, there are plenty of add-on options to consider as well. The company’s coverage caps reach up to $2,000 per year, and the service fee is below average at $75.

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Plan ($52/month): The Bronze Plan is the appliance-only offering from Select Home Warranty. It includes warranties for your refrigerator, oven, ranges, built-in microwaves, garbage disposal, washers, and dryers. This is a great plan for those who want some protection but don’t feel like they need to cover home systems.
• Gold Plan ($52/month): The Gold Plan is quite the opposite of the Bronze option in that it covers home systems but no appliances. You’ll get coverage for your heating, electrical, and plumbing systems, plus your water heater, ductwork, and air conditioning systems.
• Platinum Plan ($57/month): The Platinum Plan is the most comprehensive, as it includes everything in the Bronze and Gold Plans. As if that wide range of coverage wasn’t worth just $5 more per month, it also adds protection for plumbing blockages, ceiling fans, and garage door openers.

Coverage

For homeowners who want a little customization for their home warranty plans, Select Home Warranty offers the below add-on products for an additional fee:

• Pool (limited)
• Spa (limited)
• Septic system
• Well pump
• Sump pump
• Lawn sprinkler system
• Roof leaks
• Central vacuum
• Stand-alone freezer

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

To learn more information, visit our Select Home Warranty review.

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American Home Shield – Best Customizable Plans

• Average Annual Cost: $419.88-$779.88
• Response Time: Up to 48 hours

Why We Chose American Home Shield

American Home Shield has the most customizable plan in Virginia. The American Home Shield plans allow you to add both systems and appliances to a plan so that it fits the specific needs of your home. In addition, the coverage limits with American Home Shield are always considerably higher than other plan choices and are unlimited for some covered items. With 50 years in the business, it will be hard to find a home warranty company that has more experience than American Home Shield. Being able to customize your plan and the pricing of your plan makes the American Home Shield plan truly one of the best you can find.

Plans and Pricing

There are three American Home Shield plans to choose from, the system plan and then two combo plans. The combo plans are typically the most popular because they will have both system and appliance coverage to choose from. The price of your American Home Shield plan will vary based on the service fee you choose and the number of optional or add-on coverages that you include in your plan. American Home Shield is known for having impressive pool and spa coverage. This company’s service fee is also customizable and will be between $75 and $150.

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver ($39.99/month): ShieldSilver only covers systems in the home, so it’s ideal for homeowners who don’t feel they need home warranty coverage for their appliances. There are 14 home systems covered, including electrical, heating, and plumbing systems, ductwork, air conditioners, water heaters, and more. The price is relatively low, considering the coverage options you get.
• ShieldGold ($49.99/month): ShieldGold includes both home appliances and home systems. It covers everything in the ShieldSilver Plan, and it adds coverage for ovens, ranges, refrigerators, dishwashers, microwaves, clothes washers, dryers, and more. For just $10 more per month, this is a great option for those looking for a bit more coverage than the basic home systems.
• ShieldPlatinum ($64.99/month): The ShieldPlatinum Plan is the most comprehensive and provides the best value. You get coverage for everything in ShieldSilver and ShieldGold for a fraction of what you’d pay for both separately. It also includes unique coverage options, like an annual AC tune-up, permits and code violations, roof leak repair, and more.

Coverage

American Home Shield also provides access to additional coverage options with the below add-ons:

• Electronic extended warranty (comprehensive)
• Pool and spas (no jet or liner coverage)
• Well pump
• Septic pump
• Guest unit
• PC and TV
• Roof leaks (included in PlatinumShield)

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.

To read more, visit our American Home Shield review.

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The Home Service Club – Fastest Services

• Average Annual Cost: $600-$756
• Response Time: Within 24 hours

Why We Chose The Home Service Club

The Home Service Club started in the home warranty industry in 2008, so the company has quite a bit of experience serving customers and protecting homes. This company stands apart from others in how quickly coverage kicks in, with a waiting period of just 10 days. Most other companies have closer to 90 days before coverage begins. The Home Service Club has countless positive reviews online, and it provides a great range of coverage options and plans to meet most needs, although the pricing is a bit on the high side.

Plans and Pricing

The Home Service Club offers two pre-set plans that have a wide range of coverage options: the Standard Plan and the Comprehensive Plan. In addition to these options, the company has many add-on services available that let you fully customize your coverage for ultimate peace of mind. The Home Service Club has some low coverage caps of around $500, but others provide full protection at $2,500. The service fee is customizable, so you’ll pay between $65 and $125 per service call.

Here’s a detailed look at The Home Service Club’s coverage:

• Standard Coverage Plan ($50/month): The Standard Plan covers appliances and home systems, making it similar to Choice Home Warranty’s Basic Plan. This option includes 18 covered items, including refrigerators, stoves, dishwashers, air conditioners, electrical systems, plumbing leaks, water heaters, ceiling fans, trash compactors, and more.
• Comprehensive Coverage Plan ($63/month): The Comprehensive Plan, as the name implies, offers a wider range of coverage for just $13 more per month, making it a more popular option in Virginia. Coverage includes everything in the Standard Coverage Plan, plus plumbing stoppages, sump pumps, gas leaks, whole-home exhaust components, attic fans, and more.

Coverage

Most homeowners are pleased with the coverage they get with the plans above, but for those looking for even more protection, the below add-on coverages are available:

• Pools
• Spas
• Sprinkler systems
• Roof protection
• Water softeners
• Built-in refrigerators
• Stand-alone freezers
• Utility line coverage package (includes outside utility lines like water, sewer, gas, and electric, plus sprinkler systems and more)

When you’re ready to get a free quote from The Home Service Club, just fill out this contact form or call HSC at 800-842-9334.

For more information on this company, you can check out our complete Home Service Club review.

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Local Virginia Home Warranties

Our experts have taken a closer look at the availability of the top home warranty companies in Virginia to bring you a curated list of the best choices based on your exact city. Read more in-depth local home warranty reviews by choosing your location below:

Find the Best Home Warranty in Your Area

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Quick Comparison of the Best Home Warranty Companies in Virginia

Home Warranty Company	Choice Home Warranty	Liberty Home Guard	Select Home Warranty	American Home Shield	The Home Service Club
Our Rating	9.7	9.3	9.5	9.6	9.4
Best For	Best Overall	Most Trustworthy	Most Cost-Effective Plans	Best Customization Options	Fastest Service
Average Cost	$50 per month	$70 per month	$60 per month	$45 per month	$56 per month
Service Fee	$85	$60	$75	$75-$125	$75
Annual Limit	$3,000	$2,000-$2,500	$2,000	$3,000 to unlimited	$350-$2,000
Average Response Time	Up to 48 hours	Within 24 hours	Up to 48 hours	Up to 48 hours	Within 24 hours
State Availability	49 States	48 States	46 States	49 States	50 States
Online Chat / Mobile App	No	Online Chat	No	No	No
Quote	Get Quote	Get Quote	Get Quote	Get Quote	Get Quote

How Much Does a Home Warranty in Virginia Cost?

A home warranty will range in price from $35 to $80 per month. In addition, you must consider the service fees associated with a home warranty and how they will impact the plan’s pricing. Most of the time, a service fee will cost between $60 and $150 each time a repair is requested. Add-on coverage will also naturally add to your per-month cost, and you’ll tend to pay more if you have a larger home. The table below provides some insight into what you can expect to pay for a home warranty in Virginia.

Overall	$703.33
Single-Family	$594.23
Multi-Family	$1,050.63
Townhome	$491.93
Condo	$587.92
Duplex	$854.72
Home Over 5,000 sq ft	$1,294.73
Home Under 5,000 sq ft	$633.18

Read more: Best Home Warranty for Condos

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What is a Virginia Home Warranty and How Does it Work?

A home warranty provides coverage for home systems, appliances, and system components for a small fee every month. It’s often helpful to think of a home warranty as a homeowners insurance policy for items that homeowners insurance typically doesn’t cover. They are home protection plans that help save you money by covering repairs, maintenance, and replacements of some of the most expensive things in your home.

The process of choosing and purchasing a home warranty is as simple as filling out an online form with the provider of your choice, selecting the coverage you want, paying for your plan, and waiting for the policy to kick in. Once it does, you can follow the below steps to request service:

• Identify an issue in your home that is covered in your home warranty
• File a claim on your provider’s website or mobile app
• Wait for your service rep to come for a home inspection to assess the issue and make a repair or replacement
• Pay a service fee for the work, which usually totals around $75

Home warranties all cover different aspects of your home, and the coverage specifics will largely depend on the provider and plan you choose. Common appliances covered in appliance-only plans include refrigerators, stoves, ovens, microwaves, garbage disposals, stand-alone freezers, dishwashers, clothes washers, dryers, and more. Common home systems covered include plumbing, heating, electrical, and air conditioning. Many home systems plans also cover things like water heaters, garage door openers, ceiling fans, water softeners, and more.

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Biggest Complaints about Home Warranty Companies in Virginia

Most Virginia residents are happy with the service and value they get from their home warranty, but there are some negative comments online about certain things. One of the most common issues mentioned in negative reviews is that HVAC and air conditioning maintenance requests get denied. It’s important to note that home warranties generally don’t cover damages caused by a lack of maintenance, so you should get annual tune-ups and inspections as needed to ensure your system is covered.

Another common complaint is that the coverage that the homeowner expected wasn’t received, and the repair or replacement ended up costing them more money than anticipated. It’s crucial to read the fine print of your home warranty service contract so that you understand policy limitations and coverage caps. Most policies have a maximum annual payout, as well as per-coverage item maximums.

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Final Verdict: Is a Home Warranty in Virginia Worth It?

Any homeowner who has had to buy a new refrigerator unexpectedly will know why a home warranty is worth the investment. With temperatures that reach above 70 and up into the high 80s from April through October, air conditioners in the area will undoubtedly be put under immense strain. Having this system covered in VA can provide the necessary peace of mind and save you quite a lot in repairs.

Additionally, the average home age in Virginia is around 37 years old. While this is younger than the national average of 41 years, it’s around this time when major systems in the home tend to start to show their age. Electrical and plumbing systems can begin to fail, which can lead to high repair and replacement charges year after year.

If you consider that the average home warranty costs around $680 per year and then consider that a single plumbing call, electrical issue, or appliance replacement could total hundreds or thousands of dollars, the value of a home warranty quickly becomes evident.

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House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. 

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five. 

Here is a quick breakdown of our five core scoring categories: 

• Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
• Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annually, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
• Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
• Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive. 
• Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.

Additional Virginia Home Warranties to Consider