By Dan Simms
Updated Mar 22, 2023
By Dan Simms
Updated Mar 22, 2023
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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.
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.
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.
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:
Choice Home Warranty also includes a number of add-on options for additional charges. These include:
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.
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.
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:
One of the most impressive things about Liberty Home Guard’s coverage is the extensive list of add-on services you can purchase, including:
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.
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.
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:
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:
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.
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.
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:
American Home Shield also provides access to additional coverage options with the below add-ons:
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.
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.
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:
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:
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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From our #1 recommended home warranty provider in Virginia
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:
|Home Warranty Company||Choice Home Warranty||Liberty Home Guard||Select Home Warranty||American Home Shield||The Home Service Club|
|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|
|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|
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.
|Home Over 5,000 sq ft||$1,294.73|
|Home Under 5,000 sq ft||$633.18|
Read more: Best Home Warranty for Condos
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:
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.
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.
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.
While no single home warranty company will appeal equally to every homeowner, our top-rated warranty company in Virginia is Choice Home Warranty. Choice has been in the industry for 13 years, and they know how to handle the technical side of the business and the customer service side. The Choice Home Warranty policies are fairly priced and relatively easy to sign up for.
Home warranties cover replacement costs as long as they are within the limits of the policy. If you have a twenty-year-old refrigerator that happens to need to be replaced, you can imagine that the replacement cost on the fridge may not be quite enough to purchase a brand new one outright. However, having the home warranty in place will help you get a much better price and save quite a bit of money on your new refrigerator.
Much like how home insurance has a deductible, home warranty plans come with a service fee that is charged for each maintenance call. Service fees typically cost between $60-$150, which is low compared to the out-of-pocket costs of home services.
Any homeowner can benefit greatly from a home warranty, and they tend to save most Virginia residents money. However, they are most beneficial for homebuyers, sellers, and homeowners who live in aging homes.
Homebuyers always move into the unknown, with no assurance that the HVAC system won’t break down the day after closing. There’s no guarantee that appliances won’t stop working, plumbing leaks won’t occur, and roof leaks won’t be an issue after closing. A home warranty can cover many of the most expensive repairs and replacements in the first year after closing on a new home, which provides the peace of mind you need after relocating.
Sellers also benefit from home warranties because they often need to carry out minor repairs leading up to closing. Many real estate contracts include stipulations for repairs or replacements, and having a home warranty kick in before those requests are made could save hundreds or thousands of dollars.
Finally, the average home in Virginia is just under 40 years old, which is when many of the issues with home systems start occurring. A home warranty can be a great option for any resident living in an aging home.
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:
Additional Virginia Home Warranties to Consider
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