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Virginia has a very mild climate, 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 the state of Virginia. However, there are some things about being a Virginia homeowner that get just a little difficult. 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. This guide should help you choose the best home warranty for your specific needs and budget.
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
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. The Choice Home Warranty company has more than 13 years in the industry, and they are 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.
✓ Easy-to-understand plans and contracts
✓ Great coverage options
✓ Outstanding customer service
✓ All plans cover appliances and home systems
X No plan customization offered
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.
The Select Home Warranty is the most cost-effective 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.
✓ All plans cover roof leaks
✓ Excellent customer service
✓ Years of experience
X Coverage caps aren’t as high as some competitors
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 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.
✓ Long history in the industry
✓ High coverage caps
✓ Customizable plans and prices
✓ Unique coverage items
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.
✓ Only 10 days before coverage starts
✓ Countless coverage options
✓ Great customer experience
✓ Many years of success
X Expensive compared to some competitors
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 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:
For more information on this company, you can check out our complete Home Service Club 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 an 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.
✓ Workmanship guarantee included
✓ Outstanding customer service
✓ A rating with the BBB
✓ Straightforward claims process
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.
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|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost-Effective Plans||Best Customization Options||Fastest Service||Most Trustworthy|
|Average Cost||$50 per month||$60 per month||$45 per month||$56 per month||$70 per month|
|Annual Limit||$3,000||$2,000||$3,000 to unlimited||$350-$2,000||$2,000-$2,500|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||49 States||46 States||49 States||50 States||47 States|
|Online Chat / Mobile App||No||No||No||No||Online Chat|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
Hopefully, you now feel you can narrow down the home warranty choices in Virginia to the best one for your home. The Choice Home Warranty still stands out as the best overall plan. With very simple and straightforward contracts, impressive coverage, and an overall fair pricing plan, it’s easy to see how Choice made it to the top of our list. However, it is worth getting a quote from all five of these companies to ensure you get the best plan for your Virginia home.
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.
There are also some additional considerations you should make when it comes to the specific coverage options included in the plans you’re considering. One of the most crucial items Virginians want to be covered is the HVAC system or air conditioning system. 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.
The average humidity in Virginia is just under 70%, where it sits for most of the year. High humidity can make your conditioned indoor air feel warmer, which leads homeowners to turn up their ACs and put added strain on them. Similarly, high humidity can stress your refrigerators and freezers, which means VA homeowners often want coverage for ACs and these major appliances.
Finally, 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. Virginians who want ultimate peace of mind should consider a comprehensive home warranty that includes coverage for appliances and home systems.
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.
Home warranties typically include a service fee per claim in addition to a monthly charge. There are often different plans from providers that let you customize what is covered, how much you pay per year, and how much you pay for a service call fee per claim.
While it’s useful to compare home warranties and homeowners insurance, they differ quite a bit in several ways. One of the most crucial differences between them is that homeowners insurance will cover damages incurred as a result of catastrophes, including severe weather, fallen trees, and more. Home warranties cover items in your home that break down from normal use, so you don’t need to experience a catastrophe for your home warranty to kick in and cover the repair or replacement.
Another major difference between the two is how things are covered. Homeowners insurance typically requires that you pay a deductible before the insurance kicks in, which means you could have thousands of dollars in out-of-pocket costs when something goes wrong. Conversely, a home warranty requires an average of $85 for a service call fee, after which the service provider will pay for any damages up to a predetermined coverage cap. This means lower upfront costs for you in the case of an issue in your home.
Finally, homeowners insurance and home warranties cover different items in your home. Insurance typically covers your home in general, but it won’t cover things like appliances or home systems. Home warranties offer more specific coverage for appliances, electrical systems, plumbing systems, roof leaks, and more.
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. Covered items can also vary based on your location and on the add-on services you choose to customize your home warranty plan. In most cases, home warranties cover appliances, home systems, or both.
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.
The most comprehensive coverage from home warranty plans will cover appliances and home systems for total peace of mind.
All home warranties will have limitations to what they cover, but the specifics will vary based on the provider and the plan you choose, as well as the add-on coverage to which you opt-in. Commonly excluded items include pre-existing problems, intentional damage, damages caused by neglect or insufficient maintenance, and cosmetic repairs.
Some home warranty companies offer coverage for these items in add-on products, but most list them as exclusions.
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. Similarly, Virginians who are forced to deal with hundreds or thousands of dollars in AC system repairs while dealing with the intense summer heat likely won’t ask this question. If you’re fortunate enough not to have dealt with these or other similar problems, then you likely will at some point in the future.
Home damages are inevitable, and depending on the system or appliance that gives you trouble, you could be looking at thousands of dollars to repair or replace it. For a relatively small monthly fee and service fee, home warranties protect your appliances and home systems and cover a large portion of what would otherwise be an out-of-pocket cost to you.
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. Of course, not every homeowner will benefit the same from a home warranty, but the majority will see value the very first time they need to file a claim with their provider.
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. We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home.
Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
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