Best Home Warranty Companies in Virginia

By Karen Ridder

A home warranty is a type of protection policy that helps you cover the cost of appliance and system repairs and replacements that aren’t covered by homeowners insurance. Since homeowners insurance only covers accidents like fire and theft, you will still have to pay for breakdowns caused by normal wear and tear. That’s where a home warranty plan comes in handy.

With so many home warranty companies in Virginia offering policies, where should you search to find the right coverage for your family? Our guide to the best home warranties in the state will help you compare your options and make the right choice.

Virginia’s top 5 home warranty companies

Best HVAC Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $28–$43 per month
Best customizable plans

  • 4 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $50–$55 per month
Most cost-effective plans

  • Provides free roof leak coverage
  • Has optional septic system coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Get 2 extra months free when you sign up today
Most comprehensive coverage

  • Offers 4 plans + optional add-ons
  • Guarantees parts and labor for the life of your membership
  • Lets members select their own service technician
  • Has unique benefits like free credit monitoring and discounted supplies

our rating9.1

AFC Home Club review
Most trustworthy

  • All three available plans are under $60.00 per month
  • Has a 60-day workmanship guarantee on all repairs
  • Offers optional add-ons for up to 20 items
  • Customer service available 24 hours a day, seven days a week

Top home maintenance problems in Virginia

Let’s take a look at how home warranty plans can help repair some of the most common breakdowns Virginia homeowners face.

  • Electrical outages: The state of Virginia is ranked 45 out of 50 in terms of power grid reliability. This means that Virginia homeowners are much more likely to deal with power surges and outages, which can put stress on your home’s electrical system. A home warranty can help you tackle electrical repairs without spending thousands of dollars.
  • Air conditioning breakdowns: If you live in the western or southern part of Virginia, you’ve probably felt the intense humidity that comes with the summer season. High humidity can put stress on your air conditioning units, which can lead to more wear and tear. A home warranty plan will allow you to correct these issues without a huge repair bill.
  • Unreliable appliances: Humidity doesn’t only affect your home’s systems. It can also cause more rust and mold to develop on the interior parts of your home’s appliances, leading to breakdowns. A home warranty plan can help protect these appliances.

1. First American Home Warranty

With over 35 years of experience offering home warranty policies, First American Home Warranty is one of the longest-standing names in the industry. One of the best features that First American offers is its First Class Upgrade. The First Class Upgrade extends your home warranty policy to include the following:

  • Coverage for systems and appliances that were improperly installed or maintained
  • Fees associated with removing a broken system
  • Refrigerant recapture, reclaim, and disposal services
  • Up to $250 in local building permits

First American Home Warranty offers two plan options:

  • Basic Plan: The Basic Plan includes coverage for nine common home appliances.
  • Premier Plan: The Premier Plan includes coverage for all appliances included with the Basic Plan plus major home systems.

You can also choose to add coverage for four optional add-ons beyond the First Class Upgrade.

Below is pricing for First American Home Warranty’s plans:

Plan Price per month Price per year
Basic Plan $28 $336
Premier Plan $42.50 $510

You’ll pay your premium every month or year along with a $75 service fee each time you use your coverage.

Claim your free quote from First American Home Warranty by filling out this online form or calling 833-204-7164

2. American Home Shield 

With over 50 years of experience offering policies, American Home Shield is another trusted name in the home warranty business. American Home Shield also offers 24/7 customer service, which means you never have to wait to ask a question about your plan or file a claim.

American Home Shield customers can choose between three plans:

  • Systems Plan: The Systems Plan includes coverage for 12 major home systems.
  • Appliances Plan: The Appliances Plan includes coverage for 10 household appliances.
  • Combo Plan: The Combo Plan includes all coverages found in both the Systems Plan and the Appliances Plan.

In addition to the standard plan options, you can also customize each plan with up to five optional protections.

Below is a price breakdown for American Home Shield’s policies:

Plan name Price per month Price per year
Systems Plan $49.99 $599.88
Appliances Plan $49.99 $599.88
Combo Plan $59.99 $719.88

You can choose between a service fee of $75, $100, and $125. However, keep in mind that your premium will go up if you choose a lower fee.

Claim your free quote from American Home Shield by filling out this online form or calling 888-365-2839.

3. Select Home Warranty

Finding a home warranty in Virginia doesn’t need to break the bank. If you’re working with a limited budget, consider getting a quote from Select Home Warranty. Select Home Warranty has two major benefits: affordable pricing and free roof leak coverage.

Select Home Warranty currently offers three plan tiers:

  • Bronze Care: The Bronze Care plan includes coverage for eight home appliances.
  • Gold Care: The Gold Care plan includes coverage for six major home systems.
  • Platinum Care: The Platinum Care plan includes all the coverages found in both the Bronze and Gold Care plans along with a few extras.

In addition to the three plans, you can also customize your coverage with nine optional protections.

Take a look at Select Home Warranty’s current pricing:

Plan name Price per month Price per year
Bronze Care $35.83 $429.96
Gold Care $35.83 $429.96
Platinum Care $37.50 $450

You’ll also pay an $85 service fee each time you use your plan.

Claim your free quote from Select Home Warranty by filling out this online form or calling 888-370-3953

4. America’s First Choice Home Club

If you have a particular contractor you know and trust to complete home repairs, consider choosing America’s First Choice (AFC) Home Club as your warranty provider. AFC Home Club is one of the few major home warranty providers that allows homeowners to choose their own technician when they need a repair or replacement on one of their covered items.

AFC Home Club currently offers four plan options:

  • Systems Plan: The Systems Plan covers six major home systems.
  • Silver Plan: The Silver Plan offers coverage for nine major home appliances.
  • Gold Plan: The Gold Plan offers coverage for everything in the Systems and Silver Plans.
  • Platinum Plan: The Platinum Plan offers coverage for everything in the Gold Plan plus a few additional coverages.

You can also customize your plan with eight optional coverages.

Below you can view a breakdown of the company’s current pricing:

Plan name Price per month Price per year
Systems Plan $43.18 $450
Silver Plan $43.18 $400
Gold Plan $52.27 $550
Platinum Plan $59.09 $625

Like American Home Shield, AFC Home Club offers variable service fees ranging between $75 and $125. 

Claim your free quote from AFC Home Club by filling out this online form or calling 877-755-1115

5. Liberty Home Guard

Though Liberty Home Guard doesn’t have as many years of experience as its competitors, the company has already made a name for itself by offering several levels of coverage at competitive prices

Liberty Home Guard has three plans:

  • Appliance Guard: The Appliance Guard plan provides you with coverage for nine common home appliances.
  • System Guard: The System Guard plan provides you with coverage for six common home systems like your water heater.
  • Total Home Guard: The Total Home Guard plan is Liberty Home Guard’s most inclusive plan option with coverage for everything in both the Appliance Guard and System Guard plans.

Liberty Home Guard also offers a list of 20 optional coverages you can use to enhance any plan.

Take a look at these price estimates for Liberty Home Guard’s plans:

Plan name Price per month Price per year
Appliance Guard $40 $480
System Guard $50 $600
Total Home Guard $60 $720

In addition to your monthly fee, you’ll also pay a per-use service fee of $60.

Claim your free quote from Liberty Home Guard by filling out this online form or calling 866-451-2281

Virginia home warranty buying guide

Take a look at some of the factors we recommend considering when looking for your home warranty plan:

  • Service fee: When you think about price, you likely only think about the monthly or annual premium. However, you’ll also want to factor in the service fee you will pay each time a covered item breaks down. Most home warranty companies in Virginia charge a service call fee between $75 and $125, so figure out how much in that range you can afford to pay and choose a company accordingly.
  • Company reputation: Most home warranty companies are reputable, but there are a few that have expensive plans or don’t provide timely customer service. Give yourself peace of mind that you are selecting one of the reputable ones by researching the company beforehand and looking at its Better Business Bureau profile for customer testimonials.
  • Covered items: The specific home systems and appliances covered under each policy will vary across providers. Be sure to read and understand each policy that you’re considering before making your choice. There’s nothing worse than paying for a policy all year only to find that it won’t cover your heating system when it breaks down in the dead of winter. 

Our conclusion

Finding the right company to provide you with a home warranty in Virginia doesn’t need to be difficult. We’ve compared dozens of home warranty providers by looking at pricing, customer service, levels of coverage, and more to give you a list of five that will serve Virginia homeowners well. We recommend getting quotes from at least three providers before making your final decision so that you can compare coverage and cost.

Frequently asked questions about Virginia home warranties

Do I pay my premium monthly or annually?

You can choose to pay it either way. It will end up being less money if you only pay it once at the beginning of the year because providers tack on interest to each monthly payment. However, most homeowners can’t afford to pay a lump sum, which is why the monthly option exists.

Do home warranties have a waiting period?

Yes. Most home warranty companies don’t start your coverage until 30 days after you purchase your plan. This prevents homeowners from purchasing a plan and immediately using it for a system or appliance that was already broken.

Who needs a home warranty?

Homeowners, real estate agents, and home sellers can all benefit from a home warranty. Homeowners with older systems and appliances that are prone to breakdowns or homeowners with bank accounts that don’t have enough in them for expensive repairs will see the most savings from a plan. However, real estate agents and home sellers can also include a home warranty to the home they are selling as an incentive for homebuyers to choose their house over someone else’s.

See the best home warranty companies in your state

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