When one of your systems or appliances stops working, a home warranty will step in to help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Owning a home in Richmond has a lot of great advantages, but there are, of course, some negatives too. The hot, humid weather can cause problems in a home and destroy some systems and appliances.
Because the home warranty market is saturated with many providers — all with different offerings — the House Method team decided to do the research for you to help you find the best home warranty in Richmond.
Selecting the best provider for your home warranty is a step you could take to protect your house. When figuring out which home warranty provider is the right one for you, here are some important factors to bear in mind:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
In Richmond, Choice Home Warranty offers the best overall home warranty. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered appliance or system.
For more information, read our thorough review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty for Richmond residents. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For a more detailed breakdown, read our comprehensive review of Select Home Warranty.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield is the most customizable home warranty in Richmond. The 3 policies that AHS offers include options for appliance and system coverage. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 for each covered appliance or system.
Read our thorough review of American Home Shield to learn more. To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
In Richmond, The Home Service Club offers the best home warranty with the quickest service. When you purchase a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily understandable.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
Read our detailed review of The Home Service Club to learn more. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Richmond. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 home warranty plans that First American has include options for appliance and system coverage.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. First American's service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered system or appliance.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our review of First American Home Warranty to learn more.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee for Richmond residents. Cinch has around 43 years of experience in the industry and in that time has built a impressive network of service professionals nationwide. Cinch has 3 simple plans, making the selection process quick and easy. When you buy a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Richmond homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
Read more by visiting our comprehensive review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Richmond
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer stops working and the repair costs several hundred dollars, a home warranty will make sure that you're only responsible for a predetermined service fee. Home warranty coverage typically starts without an inspection and generally goes into place about thirty days after making your first payment.
Filing a claim with your home warranty company is quite straightforward. There will be either an online portal system or a direct phone number to file your claim with your home warranty company. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will generally happen within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are a result of normal wear and tear. Appliances covered under a home warranty plan are typically the garbage disposal, microwave, dryer, dishwasher, refrigerator, and more. Systems that are covered usually include plumbing systems, electrical systems, air conditioners, heating systems, and water heaters. You can also decide to pay a bit extra for add-on coverage for items like septic systems, roof warranty, spas, and swimming pools.
Richmond homeowners should be aware that a home warranty policy will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You need to keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related problem will be covered by the policy.
Z
In addition, having a home warranty can save you time by removing the need to research repair people--most companies will send a trusted professional right to your door to carry out the necessary repair or replacement.
One drawback of purchasing a home warranty is that there are often exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read through the contracts you're considering carefully to understand what is included and what isn't. Another drawback is that home warranties may exclude some repairs, such as those due to natural disasters. For example, if a tree falls onto your house and damages the roof, the systems and appliances that were impacted probably won't be covered by the home warranty.
It can be challenging to budget for the unexpected expenses that can come with owning a home, but a home warranty can help you with that. As with any sort of warranty or insurance policy, there will always be pros and cons of getting one but its main purpose is to offer you protection and peace of mind.
Hopefully, you now feel as though you can choose the right home warranty for your Richmond home. Choice Home Warranty is the best overall home warranty company in Richmond. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for Richmond homeowners.
The best overall home warranty in Richmond is Choice Home Warranty but the right company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a contract that covers the repairs and replacements of major home systems and appliances.
Home warranties cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a different kind of insurance that protects your entire home from natural disasters and fires. It doesn't cover typical appliance or system damage.
The systems and appliances in a home are covered under a home warranty plan in Richmond. Everything from a oven to a washer can be covered under a home warranty.
Most home warranties cover replacement costs in addition to repair costs. How much the coverage cap is varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A service fee is a cost that must be paid before a service technician or contractor comes to your home to fix your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty in place apart from the policy's premium.
