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 allow you to live in your home with more peace of mind.
There are many benefits of homeownership in Charlottesville. However, major home systems and appliances, like your plumbing and washer and dryer, can break down due to normal wear and tear, leaving you with expensive repairs.
Finding the best home warranty on the market can be quite challenging because there are lots of companies to choose from. That's why the House Method team did the research and compiled a list of the best home warranty companies in Charlottesville for you.
Choosing the right home warranty in Charlottesville for you comes down to the kind of coverage you need, the home warranty provider you opt for, and your location, among other factors. Before making your final decision, here are a few additional factors to consider:
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 Charlottesville, Choice Home Warranty offers the best overall home warranty. Choice has over 14 years of experience in the home warranty industry and in that time has built a an network of service technicians nationwide. The home warranty provider offers 2 plans to policyholders that have various system and appliance coverage options. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Charlottesville homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
Read more by visiting our Choice Home Warranty full review. To get a free quote from Choice Home Warranty, you can fill out this online form or call 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 in Charlottesville. 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 offers 3 plans for Charlottesville homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select has coverage caps of around $2,000 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 a reasonable $60.
Read our detailed review of Select Home Warranty to learn more. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 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 offers the most customizable home warranty in Charlottesville. 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 home warranty company offers 3 plans to policyholders with various options for appliance and system coverage.
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 limits come out to around $2,500 for each covered appliance or system.
For more information, read our review of American Home Shield. 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
The Home Service Club offers the best home warranty with the quickest service for Charlottesville residents. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders, which have various options for appliance and system coverage.
The 2 plans from The Home Service Club 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.
Read our The Home Service Club Review 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.
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 offers the most trustworthy home warranty for Charlottesville residents. Liberty has been in the home warranty business for over 5 years. The 3 home warranty plans that Liberty has include differing levels of system and appliance coverage, as well as add-on options. 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. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our review of Liberty Home Guard.
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
In Charlottesville, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty industry for over 38 years. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, 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. The 2 plans from First American are easily comprehensible and have a mix of both system and appliance coverage.
First American Home Warranty has 2 plans that provide a combination of appliance and system coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is less than other providers in the Charlottesville area.
Read more by visiting our detailed review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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 is the home warranty with the best workmanship guarantee in Charlottesville. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans that Cinch offers include differing levels of system and appliance coverage, as well as add-on options.
Cinch Home Services offers 3 plans for Charlottesville homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Charlottesville area.
To read more, visit our Cinch Home Services Review. To receive a free quote from Cinch Home Services, 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 Charlottesville
A home warranty is a coverage plan that helps homeowners get a handle on the high costs of appliance and systems repairs. Home warranties will provide coverage for a number of home systems and appliances that need repairs or replacements due to normal wear and tear. A home warranty is one thing that can make budgeting and managing your finances less stressful. Home warranty plans typically have a thirty-day waiting period from the time you pay to the time they start.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty service provider. Most companies have an online portal system where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. Once you submit the claim, it will be assigned to a local service technician that will come to your home and repair the problem. At this point, you pay your service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket fee you will need to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty will cover your home's systems and appliances from normal wear and tear. The appliances that are usually covered under a home warranty plan include garbage disposal, refrigerator, dishwasher, microwave, clothes dryer, clothes washer, and more. The systems usually included are electrical systems, ductwork, plumbing systems, air conditioners, and hot water heaters. Add-on coverage options can vary from one plan to another but often include things like a septic system, central vacuum, second refrigerator, sprinkler system, and plumbing stoppages.
Charlottesville homeowners should understand that a home warranty will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. You must keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related issue will be covered by the policy.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Charlottesville reaching upward of 65 degrees in the summer, you may find that certain appliances, such as your air conditioning unit, get a lot of use. A home warranty can considerably bring down your out-of-pocket expenses should your HVAC system break down.
Another benefit of having a home warranty when you're selling your home is that you can probably transfer your home warranty plan to the new owners. It can make your home more attractive to potential home buyers and help your home sell faster.
One downside of a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it's important to read over any contracts you're considering carefully to get a sense of what is included and what isn't. Another potential pain point of home warranties is that they don't cover systems or appliances that haven't been properly maintained. This can lead to your repair requests being denied, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Whether or not a home warranty is worth it ultimately comes down to your personal preference. Like any other sort of insurance policy or warranty, it's there to provide you some peace of mind, so you will have to be the judge of how much that is worth to you.
A home warranty can save you a decent amount of money on home maintenance and give you peace of mind as a homeowner in Charlottesville. When it comes to home warranty companies in Charlottesville, the best overall is Choice Home Warranty. With its comprehensive coverage, fair pricing, and a good history in the industry, Choice Home Warranty has a lot to offer.
The top home warranty provider in Charlottesville is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced service technicians and a respected reputation in the Charlottesville area.
A home warranty covers the normal wear and tear of systems and appliances in a home. A homeowners insurance plan protects your entire home in a situation like a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim if you need a new washing machine or stove, unless the damage is due to a natural disaster.
Home buyers, home sellers, homeowners, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save homeowners money in the long run.
Most home warranty plans have a 30-day waiting period before you can make service requests, but some may let you file sooner so make sure you check with the company about this.
Most home warranties cover replacement costs in addition to repair costs. The coverage cap 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 home warranty can cost on average anywhere from about $300 to $800 a year in Charlottesville. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly. For example, the warranty might cost $50 per month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
