Best Home Warranty Companies in Virginia (2021)

By Karen Ridder

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 gets 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 guide featuring the best home warranty companies in Virginia, we will give you information on:

  • How to choose the best home warranty 
  • Why Virginia homeowners need a home warranty 
  • What the best companies in Virginia are for home warranties 

A home warranty is a plan you purchase to protect your budget from expensive repair and replacement costs associated with appliances and systems. The options available for Virginia residents are quite extensive, and it makes sense to have a little help in narrowing down these choices. Our guide to the best home warranties in the state will help you compare your options and pick the right provider for you.

Virginia’s Top 5 Home Warranty Companies

There are more than 50 companies in Virginia that will offer home warranty plans and protection. Clearly, this is more than most people will ever want to (or need to ) sort through. Luckily we have done this process for you and come up with the top five plans in the state of Virginia. Here is how those plans ranked. 

  1. Choice Home Warranty: Best Overall
  2. American Home Shield (AHS): Best Customizable Plans
  3. Select Home Warranty: Most Cost-effective Plans
  4. Liberty Home Guard: Most Trustworthy
  5. First American Home Warranty: Best Appliance Coverage
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty Select Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard Liberty Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
First American Home Warranty First American Best Appliance Coverage Basic Plan: $38/month

Premier Plan: $48.50/month

$75-$100 37 B+

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

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. 

Virginia homeowners will have two home warranty policies to choose from. The Basic Plan and the Total Plan will be 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 add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

The service fee for the Choice Home Warranty policy is $85. This is about average among home warranty companies. 

Virginia homeowners will find that for the price that it is offered and the quality of the plan, the Choice Home Warranty is one of the best possible solutions to your home warranty needs. You will get the customer service and professional repairs that you need for your home.

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.

2. American Home Shield

Best Customizable Plans

  • 3 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
  • $35–$75 per month

American Home Shield is 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. 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. 

Some of the add on coverage that you can get with the American Home Shield warranty includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

American Home Shield service fee can be customized. If you choose the lower fee ($75), you will have a higher monthly price; the higher fee ($125) means a lower monthly price. Choose a plan that will work for your individual needs and benefits. 

There is no denying the fact that American Home Shield is a premium home warranty company with plenty of experience in the business. If you are particular about your home warranty needs and want to purchase a high-end plan that will deliver, AHS is your best choice.

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.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

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. 

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 add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care $52.00 $579.99
Platinum Care $58.00 $649.99

The service fee with a Select Home Warranty policy is $60. Select Home Warranty is a great value when you combine the lower monthly price, extremely low service fee, and the free roof leak coverage that comes with the plan. 

Select Home Warranty is great for Virginia homeowners that are concerned with their budget. Since the plan offers so much for the money, you can have peace of mind while still protecting your bank account.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

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 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, 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 add on coverage from Liberty Home Guard is quite impressive and includes things like:

  • 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
  • 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 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

The service fee for Liberty Home Guard is quite low, coming in at only $60. The overall affordability of the plan is quite good when you look at the broad level of coverage. 

Liberty Home Guard is a new option to the market, and the coverage and performance make it a welcome addition to the market. If you are worried about the short time that Liberty Home Guard has been on the market, simply read a few reviews, and you will be at ease.

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.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

The First American Home Warranty is the best option for appliance coverage in Virginia. The First American Home Warranty has more than 37 years of experience in the home warranty market. Appliances are some of the most used items in the home. If you don’t have adequate coverage on your appliances, you may be spending hundreds of dollars a month on repairs. The First American Home Warranty has a BBB rating of B+, and they are a trusted company in the state of Virginia. 

Similar to our top home warranty, Choice Home Warranty, First American has only two plan choices for Virginia homeowners. The Basic Plan covers appliances only, and the Premier PLan will have a combination of systems and appliances. If you have things like a pool or central air conditioning, you could also add them with the optional coverage choices from First American. 

The optional coverage choices from First American Home Warranty included:

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool/Spa equipment
  • Well pump
  • Septic/septic tank pumping
  • First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)
Plan Price Per Month Price Per Year
Basic Plan  $38 $420
Premier Plan $48.50 $526

The service fee from First American Home Warranty is $85. This is an average service fee; however, when you look at the monthly pricing, the overall affordability of the plan is quite good. 

It will only take a few repairs a year to justify the money that you spend on your First American Home Warranty policy. With the time spent in the industry, impressive limits on appliances, and quality workmanship, it is worth getting a quote from the First American Home Warranty company.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164

To find out more, read our First American Home Warranty review.

Virginia Home Warranty Buying Guide

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 cap 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. 

Top Home Maintenance Problems in Virginia

The change of seasons and the humidity in Virginia can cause some issues to your home. Therefore it is essential to pick your coverage options quite carefully. A few things to look out for are your HVAC system, water heater, and plumbing system issues. Let’s take a look at how these issues can be covered under your home warranty plan. 

  • HVAC: Virginia summers are hot and humid. Trying to get through the nights without a air conditioning can be a bit rough. Therefore it makes sense to purchase a plan with excellent HVAC coverage. A fix for an HVAC unit can sometimes be $500 or more; you will only be responsible for the service fee with your home warranty plan. 
  • Water Heater: Water heaters typically don’t give much warning before they decide to quit working. If your water heater is quite old, one Virginia winter could leave you looking for a replacement. A home warranty will help lower the cost of that replacement.
  • Plumbing System and Stoppages: Plumbing stoppages can occur in any home regardless of age. Having both plumbing system coverage and plumbing stoppage coverage ensures you are protected from any significant expenses. 

Get A Free Quote

from our #1 recommended home warranty provider in VA, Choice Home Warranty

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Our Conclusion

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. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

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. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. 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 make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

See the best home warranty companies in your state

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Frequently Asked Questions About Virginia Home Warranties

How Much Does A Home Warranty Cost In Virginia?

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. 

What Is Typically Covered Under A Home Warranty?

Home warranties can cover all systems and appliances in a home—everything from your dishwasher to your plumbing system. However, there are also many optional coverages that you can add to your home warranty, like pools, spas, and even a second refrigerator. Everything you use daily to enjoy the functionality of your home will be included in a home warranty plan. 

What Is The Best Home Warranty Company In Virginia?

The best home 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. 

Will A Home Warranty Company Cover Replacement Costs?

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. 

What is a service call fee?

Much like how homeowners 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.

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