A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Richmond is a place that has so much delicious food, great weather, and some great homes. Homeownership in Richmond has many positives associated with it, but some negatives come along with it too. For one, making sure that your home's systems and appliances stay in working condition can make Richmond homeownership quite costly.
Finding the best home warranty on the market can be quite challenging as there are so many companies to decide between. That's why the House Method team did the research and put together a list of the top home warranty companies in Richmond for you.
Once you're ready to purchase a home warranty, the first step is considering what items you want coverage for. After that, you can compare plans and contact different home warranty providers for a free quote. Here is a list of factors that you'll want to take into account when picking a home warranty provider:
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 is the best overall home warranty. Choice has about 14 years of experience in the industry and in that time has built a impressive network of service technicians nationwide. The 2 plans from Choice are easy to comprehend and offer both system and appliance coverage. If you're looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty full review.
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 is the most cost-effective home warranty for Richmond residents. Select has 3 simple plans, making the selection process easy. With a home warranty from Select, you can enjoy 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.
Select Home Warranty has 3 plans that provide a mix of system and appliance coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Richmond area.
Read more by visiting our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
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 plans from AHS are easy to understand and offer a mix of both system and appliance coverage. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Richmond homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
Read more by visiting our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
The Home Service Club is the best home warranty with the quickest service for Richmond residents. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you'll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Richmond homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
For a more detailed breakdown, read our The Home Service Club full review. To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Richmond. Liberty has been operating for around 5 years, making it a well-respected company in the industry. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Richmond area.
Read more by visiting our review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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 offers the best home warranty for appliance coverage in Richmond. First American has been in the home warranty industry for over 38 years. When you purchase a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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. First American has 2 plans for homeowners to choose from.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500 at the maximum.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For more information, read our review of First American Home Warranty.
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 is the home warranty with the best workmanship guarantee for Richmond residents. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to understand and offer a mix of both system and appliance coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered appliance or system.
To read more, visit our thorough review of Cinch Home Services. To get 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 plan that can reduce the cost of on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Richmond home comfortable and convenient. When they need repairs or replacements, it can be costly and a inconvenience. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty provider. Most companies have an online portal system to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will pay a service fee, which is usually between $60 and $150 depending on what plan you select. After the service fee is paid, a service technician will come to your home, assess the issue, and repair it. As long as the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have to pay any other out-of-pocket costs after the service fee is paid.
A home warranty in Richmond typically covers the main systems and appliances in your home. Typical appliances covered by a home warranty include a dryer, refrigerator, garbage disposal, microwave, washer, dishwasher, and more. The systems that are most commonly covered will be heating systems, electrical systems, plumbing systems, air conditioners, and hot water heaters. Add-on coverage will vary from one plan to the next, but you can expect to see add-ons like roof leaks, electronics, central vacuums, sump pumps, spas, and pools.
Richmond homeowners should understand that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like natural disasters, cosmetic issues, misuse of a system or appliance, or pre-existing conditions. You must keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related complication will be covered by the policy.
Temperatures in Richmond can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Richmond, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty can also give value in other ways. For example, some policies can be transferred to another owner when you sell your home.
One major drawback of a home warranty is not every home system and appliance you care about may be covered. It's important to compare the different plans and get one that covers all the appliances, systems, and add-ons you need. Additionally, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Whether or not a home warranty is worth it depends on your personal situation. Like any other sort of insurance policy or warranty, it's there to provide you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, this review of Richmond's best home warranty providers has helped you narrow down your choices and ultimately find the right plan for you. The best provider in Richmond is Choice Home Warranty. Its comprehensive coverage, fair pricing, and ease of use make it a great home warranty for Richmond homeowners.
The best overall home warranty provider in Richmond is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need coverage for.
A home warranty is a type of service contract designed to give homeowners extra coverage for their household systems and appliances. These include dishwashers, refrigerators, garbage disposals, dryers, washing machines, sump pumps, water heaters, electrical systems, heating and cooling systems, and plumbing, among others. Some plans also offer coverage for garage door openers, ceiling fans, pools, and roofs. A home warranty can help you save money if these appliances and systems fail unexpectedly.
Usually coverage for a home warranty policy begins 30 days after the payment receipt. However, a few companies may allow you to file a claim before this, so check with customer service to find the exact waiting period for your situation.
The service fee is the price you pay each time there's a problem with a home system or appliance. The service fees are commonly priced between $60 and $150.
Many homeowners think a home warranty is worth it because it helps protect against unexpected expenses. If you're worried about your budget and home maintenance, a home warranty can help. One of the big positives of a home warranty is that it can give you some financial peace of mind.