A Richmond home warranty plan can help protect homeowners by covering major repairs and replacements on your home's appliances and systems.
Richmond is a great place to buy a home. However, along with all the positives of homeownership, there are typically a few downsides, too. One of the biggest challenges for many homeowners is that systems and appliances can need to be replaced at any time.
Although a home warranty can help with your homeowner headaches, one issue is narrowing down the right choice for your Richmond home. That's why we've done the research and have made a list of the best home warranty companies in Richmond.
The first step in protecting your property with a home warranty is determining which provider's plan is right for you. Figure out which items in your home you want coverage for and compare the policies. When trying to figure out which home warranty company is the best 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 is the best overall home warranty. Choice is a home warranty company with 14 years of experience in the industry, and it has proved to be one of the best providers in the business. The 2 plans that Choice has include options for appliance and system coverage. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For a more detailed breakdown, read our review of Choice Home Warranty.
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
In Richmond, Select Home Warranty is the most cost-effective home warranty. Select has 3 simple plans, making the selection process and policy coverage easily understandable. When you purchase a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
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 around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our detailed 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 offers the most customizable home warranty for Richmond residents. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process and policy coverage easily comprehensible.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Richmond area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our thorough review of American Home Shield.
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. 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. HSC has 2 simple plans, making the selection process easy.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For a more detailed breakdown, read our The Home Service Club Review.
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
In Richmond, Liberty Home Guard is the most trustworthy home warranty. Liberty has over 5 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Liberty has 3 simple plans, making the selection process and policy coverage easily comprehensible. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, 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 caps associated with Liberty's plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our full review of Liberty Home Guard to learn more.
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 for Richmond residents. First American has more than 38 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. If you're looking for very affordable and comprehensive appliance coverage, you'll want to have this plan on your side. Plus, it 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 simple plans, making the selection process easy.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American's plans are close to the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To read more, visit our detailed review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our review of Cinch Home Services to learn more.
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 for home systems and appliances. When your HVAC breaks down and the repair costs several hundred dollars, a home warranty will ensure that you're only responsible for a predetermined service fee. Home warranty coverage typically starts without an inspection and you can generally start using it about thirty days after purchasing the policy.
For Richmond homeowners, when an issue arises with a covered appliance or system, it is very simple to file a claim. Most home warranty companies have an online portal where you can submit a claim. 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. If the repair is covered under the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs .
A home warranty plan will cover systems and appliances from normal wear and tear. Appliances covered under a home warranty plan are usually the refrigerator, dryer, dishwasher, microwave, garbage disposal, and more. Systems that are covered usually include water heaters, heating systems, electrical systems, air conditioners, and plumbing systems. The add-on coverages can include spa, septic system, roof leak, pool, and sometimes even things like locksmith or pest control.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things like misuse, pre-existing conditions, lack of maintenance, and cosmetic damages are not included in the home warranty policy.
Since temperatures in Richmond can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Additionally, having a Richmond home warranty can help make your house more appealing to potential home buyers if you ever decide to sell later. Many home warranty providers will allow you to transfer your policy to a new owner and give them the protection you've been getting.
There are also some negatives to buying a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that already have a manufacturer's warranty. Another potential pain point of home warranties is that they don't cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help reduce the inevitable cost of home appliances and system repairs, giving you a little peace of mind.
A home warranty in Richmond can save you thousands of dollars and give you peace of mind when it comes to pricey home repairs and replacements. All of these top companies have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers great coverage of all the essential home systems and appliances at an affordable cost with several optional add-ons.
The best home warranty company in Richmond is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced contractors and a tremendous reputation in the Richmond area.
A home warranty is a service contract that covers the repairs and replacements of major home system components and appliances.
A home warranty helps protect against the normal wear of home systems and appliances. A homeowners insurance plan protects your home in case of a situation like a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay for the rest out of pocket.
Many homeowners feel like a home warranty is a good investment because it can help protect against unforeseen expenses. If you're worried about your budget and your ability to keep your home in good working order, a home warranty can help. One of the major advantages of a home warranty is that it can give you some financial peace of mind.
