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Whether you’re a Richmond native or just moved to the coast to relax on the pristine Virginia beaches, you’ve likely put time and effort into making your home perfect. A home warranty can help keep your home’s systems and appliances in stellar condition by covering breakdowns caused by normal wear and tear.
Our team researched and compared the best home warranty companies in Virginia based on coverage caps, customer service, unique perks, and more. See our top picks below.
The Top 5 Home Warranty Companies in Virginia
Here is our list of recommended Virginia home warranty companies:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- Select Home Warranty : Best for Cost-Effective Plans
- First American Home Warranty : Best for Home Systems Coverage
- America’s 1st Choice Home Club : Best Membership Perks
All pricing information in this article is based on a single-family home (smaller than 5,000 square feet) in Alexandria, Virginia. Your pricing may vary depending on your home’s size and type, your location, and your chosen plan and add-on coverages.
Compare Virginia’s Top Home Warranty Companies
| Star Rating | Monthly Cost | Service Fee | BBB Rating | Link | ||
|---|---|---|---|---|---|---|
| American Home Shield | | $65–$76 | $100–$125 | B | VISIT SITE | |
| Liberty Home Guard |  | $49-$60 | $65–$125 | A+ | VISIT SITE | |
| Select Home Warranty |  | $44–$48 | $65–$75 | B- | VISIT SITE | |
| First American Home Warranty |  | $59–$77 | $75–$125 | B | VISIT SITE |
| American Home Shield | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $65–$76 |
| Service Fee | $100–$125 |
| BBB Rating | B |
| Liberty Home Guard | |
|---|---|
| Logo |
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| Star Rating | |
| Monthly Cost | $49-$60 |
| Service Fee | $65–$125 |
| BBB Rating | A+ |
| Select Home Warranty | |
|---|---|
| Logo |
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| Star Rating | |
| Monthly Cost | $44–$48 |
| Service Fee | $65–$75 |
| BBB Rating | B- |
| First American Home Warranty | |
|---|---|
| Logo |
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| Star Rating | |
| Monthly Cost | $59–$77 |
| Service Fee | $75–$125 |
| BBB Rating | B |
American Home Shield
- Number of plans: Three
- Service call fee: $100–$125
- Get a quick quote: Visit American Home Shield’s site
Coverage Overview
We view American Home Shield (AHS) as one of the best home warranty companies in the industry for its plan flexibility with three protection plans, adjustable premiums, and your choice from two service call fee options. Each plan includes coverage for rust, corrosion, and sediment damage, as well as items with preexisting conditions. AHS’s service call fees range from $100 to $125 per filed claim.
AHS’s ShieldSilver includes a $5,000 coverage limit per covered system. The ShieldGold provides a $2,000 limit per covered appliances, while the ShieldPlatinum plan doubles appliance limits to $4,000 per covered item. AHS also includes roof-leak coverage in ShieldPlatinum, which has a $1,500 coverage cap.
Plans and Pricing
We highlighted American Home Shield’s three coverage plans below.
ShieldSilver ($19.99–$39.99 per month): This plan covers home systems and components such as doorbells and chimes, garage-door openers, ceiling fans, ductwork, attic and built-in exhaust fans, faucets, toilets, whirlpool tub motor components, water heaters, heating units plus interior electrical lines, main breaker and fuse panel boxes, electrical systems, plumbing, air conditioning, heating systems, plumbing stoppages, and interior plumbing lines.
ShieldGold ($39.99–$59.99 per month): The ShieldGold plan includes coverage for systems and appliances. Covered items include all items listed in the ShieldSilver plan, built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, instant cold and hot water dispensers, ovens, cooktops, ranges, and refrigerators.
ShieldPlatinum ($69.99–$89.99 per month): The ShieldPlatinum plan covers everything in the ShieldGold plan, plus roof-leak repair, plumbing system modifications, and code violation protection.
Read more: American Home Shield Review
Liberty Home Guard
- Number of plans: Three
- Service call fee: $65–$125
- Get a quick quote: Visit Liberty Home Guard’s site
Coverage Overview
Liberty Home Guard (LHG) offers three home warranty coverage plans. LHG provides a $2,000 coverage cap per covered item and add-on, plus extends a 60-day workmanship guarantee on completed repairs. In addition, LHG includes coverage for second heating systems and air conditioners in its base plans. You can also customize your coverage with more than 30 unique add-on coverage options.
Liberty Home Guard’s service call fees range from $65 to $125. LHG selects your service call fee based on your home’s type and size, your location, and your coverage and add-on selections.
Plans and Pricing
We highlighted Liberty Home Guard’s three plan options below.
Appliance Guard ($49.99 per month): The Appliance Guard covers built-in microwave ovens, ceiling and exhaust fans, clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ranges, ovens, cooktops, and refrigerators with built-in ice makers.
Systems Guard ($54.99 per month): The six covered systems in the Systems Guard are water heaters, ductwork, air conditioning, plumbing, and heating and electrical systems.
Total Home Guard ($59.99 per month): This comprehensive plan combines coverage of everything in the Appliance Guard and Systems Guard plans.
Read more: Liberty Home Guard Review
Select Home Warranty
- Number of plans: Three
- Service call fee: $75
- Get a quick quote: Visit Select Home Warranty’s site
Coverage Overview
Select Home Warranty offers three home protection plans paired with low service call fees that range from $60 to $75 per filed claim. Select offers solid heating and cooling system coverage, plus it coordinates quick response times by sending a service provider to your home within 12 hours of receiving a claim.
Select’s Bronze Care plan protects home appliances and assigns a $500 coverage cap for each covered appliance. Its Gold Care plan protects home systems and provides a $3,000 coverage cap for heating and air conditioning systems. However, Select limits all other home systems to $500 per item. Its Platinum Care plan includes coverage for systems and appliances. As a bonus, Select adds roof-leak repair coverage of up to $400 per claim in each plan.
Plans and Pricing
Select Home Warranty’s plans are listed below with monthly premiums.
Bronze Care ($44.42 per month): This plan covers major appliances, such as built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, ovens, refrigerators, and stovetops.
Gold Care ($44.42 per month): This plan includes systems coverage for ductwork, water heaters, cooling and heating systems, plumbing, and electrical systems.
Platinum Care ($47.75 per month): The Platinum Care plan bundles everything listed in the Bronze Care and Gold Care plans.
Read more: Select Home Warranty Review
First American Home Warranty
- Number of plans: Three
- Service call fee: $75–$125
- Get a quick quote: Visit First American Home Warranty’s site
Coverage Overview
First American Home Warranty is a solid choice for Virginia homeowners who value comprehensive coverage. In addition to home protection, First American offers discounts for select new appliance purchases.
First American provides three home warranty plans: the Starter Plan, Essential Plan, and Premium Plan. First American allows you to choose your service call fee, which can be $75, $100, or $125. For added value, First American also pairs the First American Advantage upgrade with the Essential and Premium plans. It covers building permits, code upgrades, improper installations and modifications, refrigerant recapture and removal, and disposal of appliances, systems, and components after service.
Plans and Pricing
We highlighted First American Home Warranty’s three coverage plans below:
Starter Plan ($47.00–$67.00 per month): The Starter Plan covers major appliances and home systems, including built-in microwaves, dishwashers, ductwork, electrical, heating, and plumbing systems, oven/cooktop, plumbing stoppages, and refrigerators. It includes a $3,500 coverage cap per covered appliance and an unlimited cap per covered system.
Essential Plan ($57.00–$72.00 per month): The Essential Plan covers everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, the First American Advantage upgrade, garage-door openers, trash compactors, and water heaters.
Premium Plan ($62.00–$87.00 per month): The Premium Plan covers everything in the Essential Plan, plus a central vacuum, full garage-door systems, instant hot water dispensers, and luxury appliance coverage.
First American doesn’t offer air conditioning coverage in the Starter Plan, but it is available as an add-on. Roof-leak coverage is available as an add-on, as well.
Read more: First American Home Warranty Review
America’s 1st Choice Home Club
- Number of plans: Four
- Service call fee: $75–$125
- Get a quick quote: Visit America’s 1st Choice Home Club’s site
Coverage Overview
America’s 1st Choice Home Club (AFC Home Club) offers solid systems and appliance coverage and plan flexibility through its four plans and three service call fees. You can select a $75, $100, or $125 service call fee per filed claim. AFC Home Club also provides an unlimited workmanship guarantee for completed repairs that lasts the life of your plan. The industry standard workmanship guarantee is 30 days.
AFC Home Club pairs its Silver Plan with a $3,000 coverage cap per covered appliance. However, AFC Home Club assigns varied coverage caps in its Systems Plan: Plumbing and air conditioning systems have an unlimited coverage cap, whereas water heaters are limited to $1,000. We recommend reading AFC Home Club’s service contract to understand all applicable coverage limits.
Plans and Pricing
AFC Home Club’s four plans and monthly prices are listed below.
Silver Plan ($43.00–$48.50 per month): This plan protects major appliances, including clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators.
Systems Plan ($51.25–$56.83 per month): This plan protects major home systems, such as ductwork, air conditioning, electrical, plumbing, water heaters, and heating systems.
Gold Plan ($59.88–$65.17 per month): The Gold Plan includes all Silver Plan and Systems Plan items.
Platinum Plan ($65.17–$70.67 per month): The Platinum Plan protects all items listed in the Gold Plan, plus built-in microwaves, faucets, ice makers, and plumbing stoppages.
Read more: America’s 1st Choice Home Club Review
Home Warranty Regulations in Virginia
Virginia’s Board of Agriculture and Consumer Services regulates home warranty companies. To protect consumers, Virginia requires home warranty companies to file a bond letter that demonstrates financial surety it can fulfill its contractual obligations. The Board also outlines rules that protect consumers from misleading or unfair business practices.
If you have a home warranty and believe your provider has not honored your contract, you can file a complaint with the Board of Agriculture and Consumer Services.
Alongside government oversight, home warranties are self-regulated by industry associations. For example, the National Home Service Contract Association (NHSCA) is a nonprofit industry trade organization consisting of member companies that follow set rules regarding ethical business practices.
Understanding Home Warranty Fine Print
Since no home warranty provider covers every home item, you’ll need to read the fine print in your contract to avoid surprises when you file a claim. Several common sections to read through are the following:
- Covered items and parts
- Limitations and exclusions
- Claims process
- Cancellation
Before purchasing a home warranty, review the sections that outline the exact terms of coverage. Generally, home warranty companies cover the core components of covered items. If an essential part, such as your water heater’s pilot light, breaks, it will likely be covered. However, a cracked handle that still is functional on your clothes dryer likely wouldn’t be covered.
Additionally, many providers will outline time-bound exclusions. For example, you’ll likely have a waiting period from when you purchase the contract to when the coverage applies. Similarly, most providers will not cover a system or appliance that has broken down before you purchased coverage. Therefore, read your contract carefully for exclusions for preexisting conditions and for a waiting period before you purchase coverage.
Our Recommendation
With a home warranty, you can have peace of mind knowing your home will be protected from the unexpected. They also shoulder high out-of-pocket replacement costs, so you can use your money on more important matters.
We recommend American Home Shield due to its generous coverage caps and flexible service call fees. Additionally, Liberty Home Guard consider due to its expansive list of add-on coverage options and its 60-day workmanship guarantee. Finally, First American Home Warranty covers miscellaneous fees in its First American Advantage Upgrade add-on. We suggest requesting three quotes from different providers to compare coverage and monthly costs.
Virginia Home Warranty Companies FAQ
What is a preexisting condition?
A preexisting condition is a previous breakdown or malfunction a home system or appliance has experienced before coverage begins. Unfortunately, many providers do not cover preexisting conditions; therefore, you should purchase a home warranty policy while all your systems and appliances work for complete protection.
Why should I purchase a home warranty?
One compelling reason for purchasing a home warranty is that an essential system or appliance can break down unexpectedly. Home warranties will then connect you to a vetted service technician that can fix your issue with minimal downtime. Home warranties also charge a reasonable monthly cost, whereas replacing a broken system or appliance can cost hundreds or thousands more. Although your situation may be unique, having a home warranty can minimize the stress of dealing with breakdowns.
How much does a home warranty cost in Virginia?
A home warranty policy in Virginia costs an average of $53.53 per month, based on quotes we pulled. However, your monthly premium will vary depending on which provider you choose, your home’s location, and your selected plan.
How long does it take for a home warranty to fix my issue?
Your home warranty provider‘s response time may vary, but providers typically address a claim within 48 business hours.
Do home warranties cover other types of home items?
Yes, home warranties cover many home items besides common systems and appliances. For example, home warranties can cover pools and spas, septic systems, sump pumps, stand-alone freezers, and more. Generally, providers cover these items as add-ons. Check your provider’s sample contract to see what add-on options are available.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.
