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Best Home Warranties in Virginia

We compared 34 companies and chose the top home warranty providers

    • Best overall
      Regency Total Warranty
      4.0(984)
    • Quick service
      First American Home Warranty
      4.0(8,873)
    • Claims handling
      Cinch Home Services
      4.0(12,173)
    Author picture
    By: Taylor Sansano
    +2 more
    Author picture
    By: Alina Bradford
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    Edited by: Cassidy McCants

    Best Home Warranties in Virginia

    We’ve selected the top home warranty companies in the Old Dominion by analyzing customer reviews and ratings and comparing brands on availability, price, coverage and other factors. According to our analysis, all things considered, the best options for a home warranty in Virginia are Regency Total Warranty, First American Home Warranty and Cinch Home Services.

    Why trust ConsumerAffairs?
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    Our 5 home warranty company picks in Virginia

    1. Best overall: Regency Total Warranty
    2. Best for quick service: First American Home Warranty
    3. Best claims handling: Cinch Home Services
    4. Best value: American Home Shield
    5. Best technicians: Choice Home Warranty

    Our research team compared dozens of companies and chose our top picks based on factors including available plans, customer reviews, coverage limits and price.

    Read our full methodology for details on how we selected the best home warranty companies. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations. Our publishing policy ensures that the journalistic content and user reviews on ConsumerAffairs remain independent of commercial influences.

    Our top 5 Virginia home warranty picks

    Home warranties can help cover the costs of unexpected breakdowns of your major systems and appliances. By comparing customer ratings and reviews, coverage limits, prices and available plans, our research team chose three companies that offer the best plans for your money.

    Best overall

    Regency Total Warranty

    Regency Total Warranty
    4.0
    984 reviews
    Plans available
    2
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty stands out for its seamless claims processing. It also offers broad coverage under both EssentialGuard and TotalGuard plans. 93% of reviews from Virginia customers over the last year have been four stars or higher.

    We’ve compared this company’s plans based on select coverage items below.

    Most Virginia reviewers say Regency plans are priced fairly with solid coverage, and service contractors are responsive and respectful.

    “I had a new thermostat installed and I wanted Regency to come out and ensure that everything was working properly. The contractor was excellent, and everything checked out perfectly. They have always been incredibly responsive when I call them.”
    Elby Tazewell, VA
    “It’s nice to see my home protection company concerned about us. They responded to my air handler claim quite honestly. The agent Max offered his best services to ensure the service contractors did their work timely and appropriately.”
    Ted Alexandria, VA
    “Regency Total Warranty prices are competitive and fair.”
    Tammy Richmond, VA

    Only one Virginia-based customer mentioned an issue with Regency. Jayne from Henrico reported that, “They assigned two companies to me to do the work, when I called the companies they stated they do not work with warranty companies and would not do the work. … I finally found someone on my own that would send the issue to them, all of a sudden the AC unit was not covered.”

    Best for quick service

    First American Home Warranty

    First American Home Warranty
    4.0
    8,873 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $42
    Labor guarantee
    None specified
    Get a Quote Read Reviews

    First American Home Warranty is our top pick for Virginians who prioritize getting repairs done quickly. Customer reviews often reflect prompt contractor scheduling and follow-through. The company offers appliances and systems coverage at affordable rates.

    We’ve compared this company’s plans based on select coverage items below.

    Customers from Virginia say FAHW has responsive customer service, professional technicians and quick authorizations for repairs.

    “I've been a First American Home Warranty customer for about 10 or 11 years and my experience overall has been fairly positive. … There have been noticeable improvements with the technicians over the years. The most recent ones have performed their duties competently, leaving me more satisfied with the service.”
    Nancy Richmond, VA
    “Service appointment was easy to obtain from FAHW and the service provider McAtee promptly confirmed the requested service. The service tech arrived during the stated service window, was polite, performed the tune-up professionally, keeping us informed as to what he was doing. Very satisfied with all aspects of this service.”
    Stephen Chesterfield, VA
    “I'm very happy with First American Home Warranty. Anytime I've had to call First American, they have sent contractors and took care of it. This is the third year I've renewed them. They pay a lot more than others. Also, they pay more if you have air condition or a heater that went out.”
    Richard Ashburn, VA

    Some reviewers point to poor technicians. Robert from Virginia Beach has been with FAHW for years, and said, “there were a couple of instances where the response from the subcontractors wasn't that good.” However, he’s noticed an improvement since then, saying that, “recently, the response from the people that come out to do the work has been good.”

    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best claims handling

    Cinch Home Services

    Cinch Home Services
    4.0
    12,173 reviews
    Plans available
    3
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Labor guarantee
    180 days
    Get a Quote Read Reviews

    Cinch Home Services gets high marks for its easy-to-use and reliable claims support. Cinch reps will typically contact a contractor within two hours of you filing a claim. We also like the 180-day workmanship guarantee, which means you won’t be stuck paying service fees twice if an issue persists after the first fix.

    We’ve compared this company’s plans based on select coverage items below.

    Virginia reviewers say Cinch offers easy online claims and techs who fix issues quickly. However, some mention hard-to-reach phone support.

    “Whenever I reach out to Cinch Home, whether by phone or online, they respond quickly and efficiently. Their technicians have been consistently professional and informative. I recently had an AC issue and the technician not only resolved it but also provided helpful maintenance tips, which was fantastic since homeownership often feels full of learning curves.”
    Donnie Woodbridge, VA
    “Filing a claim with them was very easy, and I had quite a bit of interaction with the claims representative. They were very prompt and courteous, answering all my questions efficiently. The quality of the work they performed was very good, which left me really impressed with the overall experience.”
    Lisa Boston, VA
    “My experience with submitting claims with Cinch has been seamless so far. On two occasions, I visited the website, easily located and selected the covered appliances, filled in details like model and serial numbers, and submitted the claims. Typically, a service provider contacts us within a day, which has been incredibly efficient. The quality of the contractors has been commendable.”
    Madeline Montclair, VA

    In the opinion of one reviewer from Falls Church, “the process of making service appointments can be improved. There's only a generic contact number available, which made scheduling follow-up visits somewhat cumbersome and repetitive.”

    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best value

    American Home Shield

    American Home Shield
    3.7
    108,817 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews
    Special Offer

    Mystery Offer

    50% Off Select Plans

    American Home Shield’s home service contracts cover up to 24 appliances and systems, and you can personalize your policy with your choice of add-ons and service fee. You can file claims by phone or through the website. Repairs are backed by a 30-day workmanship guarantee.

    We’ve compared this company’s plans based on select coverage items below.

    Many reviewers in Virginia mention an easy claims process and quality technicians.

    “They sent out techs for a couple of things and seemed to fix it right away. We paid a certain amount a month, and paid $90 every time we called and a contractor would come out. No big deal.”
    Eugene Woodbridge, VA
    “They're legit. The user interface for their website is straightforward. The turnaround time is 48 to 72 hours. It depends on when the request goes in because weekends are a thing. Recently, Performance Mechanical came out to address our shower. It wasn't draining properly. The plumber looked at it, went to his truck to grab a thing and it was fine.”
    Corey Chesapeake, VA

    Some American Home Shield reviewers from Virginia mention delayed or ineffective repairs and a lack of communication from technicians.

    Eugene from Woodbridge (quoted above) was happy overall with the company, but he was unhappy when AHS raised his price: “[A] few years ago, the monthly price went up by $30 and the every time a contractor came out went up. A year later, both prices went up. So, we called another company, got a price and it was better. I don't know if they do as good a job or not, but I get offended when AHS raised my rate every year.”

    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Best technicians

    Choice Home Warranty

    Choice Home Warranty
    4.0
    72,887 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty has more than 15,000 trained contractors, and if a repair fails within 30 days, you don’t have to pay another service fee to have it corrected. The company also frequently offers discounts and promotions.

    We’ve compared this company’s home warranty plans based on select coverage items below.

    Many reviewers in Virginia mention being happy with the price and with the prompt and effective service from technicians.

    “I requested to repair our air conditioner which wasn't working. The Choice Warranty Co had the Beltway Air Comfort HVAC Company to checked and the Choice company replaced the condenser. I really happy about what they have done. Very prompt, professional services. I highly recommend the Choice Home Warranty company.”
    Kim Fairfax, VA
    “The technician came at a convenient time. I really did appreciate that he took the time to communicate with me a schedule that fits me most. He did his job diligently as well as took the initiative to even clean out the mess within the unit. Despite a not so pleasant entrance way to the unit he didn't complain. He worked quick and professionally.”
    Rosanne Fredericksburg, VA

    Some reviewers in Virginia mention delays in receiving reimbursements, difficulty in getting claims approved and poor customer service.

    Monica from Hampton said about her experience, “I filed a claim and was told nothing covered..Upon purchasing this warranty I was told everything is covered with air conditioning so I have appt with case manager tomorrow..So right now I'm very upset. I hope we can resolve this issue. I would like to tell my friends and relatives about your company. So hopefully I will get some clarity with the case manager.”

    Home Warranties in Virginia Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Regency Total Warranty logo
    First American Home Warranty logo
    Cinch Home Services logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      Virginia has some quirks when it comes to buying a home warranty — but, overall, the process in the Old Dominion is much like it is anywhere else.

      Key insights

      The average cost of a home warranty in Virginia ranges from $30 to $90 per month. Your cost will depend largely on what type of coverage you opt for.

      Jump to insight

      Be aware of any claim limits, especially in higher-cost areas.

      Jump to insight

      In Virginia, HVAC, sump pump and roof coverage may be important due to the state’s varied weather and potential water-related issues.

      Jump to insight

      In Virginia, home warranty companies are regulated by the Office of Charitable and Regulatory Programs (OCRP) within the Department of Agriculture and Consumer Services.

      Jump to insight
      richmond virginia skyline

      How much does a home warranty cost in Virginia?

      The average cost of a home warranty, according to our recent analysis, is about $30 to $90 per month.

      Your cost depends on the company, coverage and add-ons you choose. Some companies also let you choose a different service fee to adjust your monthly rate. That means you can sometimes choose a higher service fee in exchange for a lower monthly or annual cost. Depending on your situation, this may make sense, but if you expect to call for a lot of service, you may want to keep your service fee lower.

      » MORE: How much does a home warranty cost?

      How to find the best home warranty in Virginia

      In Virginia, most home warranties include a list of coverage items, but some also allow for more customization. You can save a lot of time and money down the road by choosing a less expensive plan that only covers the things that are absolutely crucial to you and your home.

      However, this kind of limited coverage may be less than helpful over the long term. It’s hard to predict what will go wrong in your home, and a home warranty with the wrong coverage isn’t of much use.

      Pool coverage is almost always an add-on option if it’s available.

      Some home warranty companies in Virginia also cap how much they’re willing to pay for a claim, which can be an issue if repairs add up quickly. For example, if you live in an expensive city like Great Falls or McLean, you might want to find a plan that offers higher coverage limits.

      Virginia also has all types of weather, ranging from hot and humid summers to cool and dry winters. As such, your home needs to be able to withstand the changing seasons. Environmental systems, like heating and air conditioning, can break down when overworked, so it’s a good idea to make sure those systems are covered.

      Many Virginians also deal with water problems in their home, especially in coastal cities like Norfolk and Hampton. While a home warranty won’t keep you from paying to fix flood or storm damage (that’s what insurance is for), you may want warranty coverage for your sump pump or roof if you expect recurring issues with water intrusion.

      What reviewers say about home warranties in Virginia

      Virginians who’ve left home warranty reviews on our site offer some great takeaways regarding their home warranty experiences. Two insights: Make sure you really know what’s covered, and ask about discounts before agreeing to a price.

      Monica in Hampton, for instance, was told nothing was covered in a claim she filed for her air conditioning: “Upon purchasing this warranty I was told everything is covered with air conditioning so I have appt with case manager tomorrow..So right now I'm very upset.”

      Kamna in Manassas, on the other hand, was pleased with her rep — he walked her through how paying annually would save her money versus paying a monthly rate. Ultimately, transparency from any company you’re working with is key.

      Home warranty regulations in Virginia

      In Virginia, home warranty companies are regulated by the Office of Charitable and Regulatory Programs (OCRP), which is part of the Virginia Department of Agriculture and Consumer Services (VDACS). Many other states put their respective departments of insurance in charge of these regulations.

      Here are two regulations to keep in mind regarding home warranties in Virginia:

      • All home warranty companies in Virginia must be registered prior to offering service, and for added support and oversight, these companies are required to re-register every year by July 1.
      • Home warranty companies in Virginia are also required to hold aside a certain amount of money in a corporate surety to help demonstrate financial responsibility.

      If you end up having an issue with your home warranty provider that you can’t resolve, consider filling out a report with the OCRP for help.

      » MORE: Does a home warranty cover pest control?

      FAQ

      Is a home warranty worth it in Virginia?

      The true value of a home warranty depends on how you end up using it, and that can be hard to predict when you’re shopping for a plan. In some cases, you might end up spending more on the plan itself than you save on repairs. In other cases, you might make up the cost of your warranty with one service visit. It’s also hard to put a number to the peace of mind and stability warranty coverage provides even when you’re not actively making claims.

      To get more value out of your home warranty, shop around to make sure you’re getting a good deal on your plan, and choose the right coverage for your needs.

      What is not covered by a home warranty?

      It depends on the plan you choose.

      Many home warranties don’t cover items that aren’t properly maintained, and some don’t include full coverage for high-cost items, like your HVAC system. Secondary damage, like that from flooding caused by a broken dishwasher, often won’t be covered even if the dishwasher is. Generally speaking, home warranties don’t cover the same situations as homeowners insurance, either.

      It’s critical that you read your contract (especially the exclusions and limitations sections) to understand what your home warranty covers and to what extent.

      What’s the difference between a home warranty and homeowners insurance?

      Home warranties and home insurance policies are two distinct forms of protection. Homeowners insurance is required by mortgage lenders and covers damage to your home and belongings due to events like fires, storms or theft.

      A home warranty, on the other hand, is optional and covers repairs or replacements for appliances and systems that break down due to normal wear and tear.

      » COMPARE: Home warranty vs. home insurance

      Methodology

      The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Virginia, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Virginia but also considered national reviews. We discarded companies with fewer than five in-state reviews. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charges to send a technician to your house to ensure our top picks are in line with industry standards.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
      Guide sources

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work.

      1. Fairfax County, “Solving Drainage and Erosion Problems: A Guide for Homeowners.” Accessed Sept. 30, 2025.
      2. Virginia Department of Agriculture and Consumer Services, “Board of Agriculture and Consumer Services.” Accessed Sept. 30, 2025.
      3. Virginia Law Portal, “Chapter 33.1. Home Service Contract Providers.” Sept. 30, 2025.

      Not sure how to choose?

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