Best overall
- Plans available
- Repair Only, Repair + Replace, Repair + Replace Premier
- Monthly premium range
- $27.99 to $89.99
- Service fees
- $100 to $150
- Labor guarantee
- 180 days
Best Home Warranty Companies in Virginia
- Best overall
Cinch Home Services4.1(12,559) - Older homes
First American Home Warranty4.0(9,087) - Technicians
Liberty Home Guard4.6(1,947)
By:
Taylor Sansano
+3 more
Best Home Warranty Companies in Virginia
Cinch Home Services is the best home warranty company in Virginia, thanks to positive local reviews from verified customers and plan options that help pay for permits and code upgrades. A home warranty can soften the financial hit when a repair triggers modern building requirements, especially for HVAC, plumbing and electrical work.
Beyond those "surprise" expenses, home warranties in Virginia typically cover everyday essentials like water heaters, garage door openers and kitchen appliances. In Virginia, coverage usually ranges from about $37 to $94 per month, depending on the provider and plan level.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,946,193 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Cinch Home Services is our top pick for Virginia because it includes coverage for permits and code violations.
Jump to insightVirginia's average monthly cost for a home warranty is $58.69. Annual premiums span $444 to $1,126 depending on the plan tier.
Jump to insightIf your home is older, prioritize plans that include allowances for permits and code violations.
Jump to insightOur 4 home warranty company picks in Virginia
- Best overall: Cinch Home Services
- Best for older homes: First American Home Warranty
- Best technicians: Liberty Home Guard
- Best claims handling: Old Republic Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in Virginia. Read our guide to choose the best home warranty in Virginia for you by comparing plans, contract lengths and service fees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
Compare Virginia home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 Cinch Home Services | Get a Quote | 4.1
12,559 reviews
12,559 reviews
| Best overall | $27.99 | $100, $125 or $150 |
 First American Home Warranty | Get a Quote | 4.0
9,087 reviews
9,087 reviews
| Older homes | $33 | $100 or $125 |
 Liberty Home Guard | Get a Quote | 4.6
1,947 reviews
1,947 reviews
| Technicians | $49.99 | $65 to $125 |
 Old Republic Home Warranty | Learn More | 3.8
2,361 reviews
2,361 reviews
| Claims handling | $50 | $100 or $125 |
Our 4 Virginia home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Virginia on ConsumerAffairs.
Best for older homes
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best technicians
- Plans available
- Appliance Guard, Systems Guard, Total Home Guard
- Monthly premium range
- $49.99 to $59.99
- Service fees
- $65 to $125
- Labor guarantee
- 365-day workmanship warranty
Best claims handling
- Plans available
- Basic, Deluxe and Elite
- Monthly premium range
- $50 to $80
- Service fees
- $100 or $125
- Labor guarantee
- None specified
Methodology: How we found the best home warranty companies in Virginia
The ConsumerAffairs Research Team evaluated home warranty providers available in Virginia using a structured scoring model. We assessed several metrics across five core areas, prioritizing what matters most to local residents.
1. Local satisfaction rate (40%)
Reviews from real customers in Virginia are worth more than a company’s nationwide reputation. If a company has a poor technician network locally or frequently denies Virginia homeowners’ most frequent complaints, we capture that in our review analysis.
2. Code updates and modifications (35%)
Virginia’s historic housing stock often requires expensive code upgrades during standard mechanical replacements. We scored companies that include significant coverage for code violations and permits ($1,000 or higher) much higher than providers that strictly exclude these costs, which often leaves homeowners with large out-of-pocket bills.
3. Cost (10%)
To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Virginia. We also considered the lowest service fees each company offers.
4. National satisfaction rate (10%)
To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
5. Additional benefits (5%)
We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
How scoring works
Companies earned a 0 to 10 score for every metric:
- The top-performing company for a given metric earned a 10.
- Other companies were scored relative to that leader.
This standardized system lets us compare local satisfaction data, pricing and plan features on the same scale.
How winners were determined
Award categories apply different weightings depending on what the designation highlights. For example, the “Best value” superlative weights cost at 20%, while “Best claims handling” gives more weight to reviews that mention the claims process and customer service.
The company with the highest weighted score in each category earned the corresponding “Our pick for” designation. If a company ranked first in multiple categories, we awarded the designation to the next-highest scoring company in that category to highlight a broader group of top performers.
Home Warranties in Virginia Buyers Guide
Jump into our guides and start learning
In this guide
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.
How to choose a home warranty in Virginia
Choosing a home warranty in Virginia starts with knowing what you want covered. Some plans only cover appliances, others cover home systems like plumbing or electrical, and some let you combine both. Use this checklist to narrow your options and focus on what matters most for your situation.
1. Decide what coverage you need
Begin by figuring out if you want to protect just your appliances, your systems or both. If your systems, like heating or electrical, are newer but your kitchen appliances are several years old, an appliance plan may be best.
If your appliances are still under the manufacturer’s warranty, but you’re worried about your AC or water heater, a systems plan could save you money in the long run. Combination plans are popular for the widest protection and higher payout limits.
2. Compare costs
Don’t just look at the monthly premium. Check service call fees, which usually range from $75 to $150 per visit, and remember these can add up if you file multiple claims. Also, find out about coverage caps and any extra costs for add-ons like roof leak coverage or extra refrigerators.
It’s also smart to add up what you’ll actually pay after the monthly premium, especially once service call fees and uncovered costs start stacking up. Kay from Strasburg put it bluntly after a washer claim: "So far for a washer claim a month ago, it cost me the premium, the mandatory service call, and the washer for a total of $855.00! Choice Home Warranty $0.00!!!!"
3. Review sample contracts
Sample contracts help you see exactly what’s covered and what isn’t. You’ll want to look for exclusions like preexisting conditions or cosmetic damage. Sample contracts also spell out claim steps, waiting periods and cancellation fees.
4. Read customer reviews
Take time to read what real customers say about each provider. Patterns in reviews can reveal how quickly claims are processed, if contractors show up on time and whether the repairs are reliable.
Whitney in Roanoke noted “In the area I live in, there aren't contractors for everything they cover, particularly heating and air conditioning. I struggle with that all the time, and in the past, I've been very unhappy with that,” a reminder to watch reviews for consistent on-time arrival and speed to service.
How much does a home warranty cost in Virginia?
A home warranty in Virginia costs $58.69 per month, on average. Home warranty premiums generally range from $37 to $94 per month, depending on the plan. The average cost of a home warranty in Virginia is 13.3% lower than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in Virginia for a three-bed, two-bath home in Virginia Beach.
| Provider | Monthly premium range* | Service call fee |
|---|---|---|
 | $24.99 to $84.99 | $100 to $150 |
 | $38.84 to $93.84 | $100 or $125 |
 | $49.99 to $59.99 | $65 to $125 |
 | $50 to $80 | $100 or $125 |
*Data from July 2026
Monthly or annual premiums
Home warranty providers let you pay for coverage monthly or all at once for the year. Paying annually could get you a lower total price.
Service call fees
Each time you use your home warranty, you’re charged a service call fee, typically between $75 and $150, when the technician comes to your home. Choosing a higher fee can lower your monthly payments.
Add-on coverage
You can customize your plan by adding protection for things like pools or septic pumps. Add-ons usually cost $2 to $25 per month.
Other home warranty cost factors
Prices may change based on:
- Home size: Larger homes usually cost more to cover.
- Level of coverage: Cheaper plans have fewer covered items.
- Location: Your ZIP code can factor into pricing.
- Discounts: Look for discounts or special offers, especially on multiyear plans.
Example: total annual home warranty costs
- Systems and appliances combo plan ($48 per month): $576 per year
- Add-on for well pump protection ($8 per month): $96 per year
- Four claims ($90 service fee): $360
- Total: $1,032 per year
What does a Virginia home warranty cover?
There are three main types of home warranty plans in Virginia: appliance, systems and combination plans. Appliance plans usually cover things like refrigerators, ovens and dishwashers. Systems plans focus on essentials such as heating, plumbing and electrical. Combination plans offer the broadest protection, covering both appliances and systems.
- Appliance plans often cover refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
- Systems plans focus on essential home systems such as heating, plumbing, electrical, water heaters and ductwork.
- Combo plans combine both appliances and systems for broader protection
You can often upgrade your plan with optional add-ons, which may include coverage for pools, well pumps or extra refrigerators.
Reviewers’ experience filing home warranty claims in Virginia
Sarah in Maidens expected a home warranty to be a slow hassle, then her HVAC quit, and she tried filing online. She says, "the entire unit was replaced effortlessly," and "Scheduling is especially easy — I just put in a request online." For her, it felt like trading a manageable monthly cost for a big surprise expense.
Key takeaway: Easy online claims can turn a major breakdown into a smooth fix
Cydney in Locust Grove remembers a claim that dragged on, but says things are smoother now. “He put in the order for the part. Then he came back in a week and he fixed it in five minutes.” Even when scheduling shifted, the technician arrived quickly, and the repair wrapped up without drama.
Key takeaway: Processing can vary, but once approved, the fix can be quick.
Pamela in Gainesville kept filing claims, hoping at least one would be straightforward, but the pattern never changed. “Every claim that I've submitted has come back with a denial … according to some article.” Even after paying $2300 plus the diagnostic fee, she says they “have never paid the full cost of anything.”
Key takeaway: Claims can be denied or underpaid repeatedly, making some plans feel worthless
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.
FAQ
Can a Virginia home warranty pay for permits?
Yes, some Virginia home warranties can pay for permits. Permit and code coverage can reduce the extra expenses that arise when an older HVAC, plumbing or electrical system must be replaced.
Do Virginia home warranties cover sump pumps?
Some Virginia home warranties cover sump pumps. The protection may be included in a comprehensive plan or sold as an add-on, but it generally doesn’t cover flooding or resulting water damage.
Does a Virginia home warranty cover a roof damaged by a hurricane?
No, a Virginia home warranty doesn’t cover a roof damaged by a hurricane. Storm damage is generally handled through homeowners insurance, while home warranty roof protection is limited to certain leaks caused by normal deterioration.
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
Guide sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
- Fairfax County, “Solving Drainage and Erosion Problems: A Guide for Homeowners.” Accessed July 16, 2026.
- Virginia Department of Agriculture and Consumer Services, “Board of Agriculture and Consumer Services.” Accessed July 16, 2026.
- Virginia Law Portal, “Chapter 33.1. Home Service Contract Providers.” Accessed July 16, 2026.
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Compare top Virginia home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Cinch Home Services
| 4.1
12,559 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
|
First American Home Warranty
| 4.0
9,087 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
|
Liberty Home Guard
| 4.6
1,947 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
|
Old Republic Home Warranty
| 3.8
2,361 reviews
| Offers customizable home warranty plans to current homeowners, homebuyers and sellers in 26 states. Costs vary by state and plan level. Optional coverage choices available. | Read reviews |
HomeSafe
| 4.3
697 reviews
| Customizes home warranty plans in most states. Plans start 25 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Read reviews |
ARW Home
| 4.4
2,957 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
Choice Home Warranty
| 4.0
77,459 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
Prestige Home Guard
| 4.2
10 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
American Home Shield
| 3.6
111,732 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. $5,000 coverage limit on HVAC; up to $2,000 or $4,000 on appliances. | Get a Quote |
Select Home Warranty
| 3.7
16,625 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Regency Total Warranty
| 3.4
1,166 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
Global Home USA
| 3.2
15 reviews
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Super
| 2.7
445 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
HomeServe
| 1.6
2,144 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $4.99 a month. | Read reviews |
First Premier Home Warranty
| 1.7
688 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
America's Preferred Home Warranty
| 1.6
17 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
Achosa Home Warranty
| 1.5
11 reviews
| Established in 2018. Serves 26 states. Coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee. Allows customers to choose their own licensed contractor. | Read reviews |
Sears Home Services
| 1.1
553 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.1
6,818 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
GE Service Contracts
| 1.2
367 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
ServicePlus Home Warranty
| 1.2
1,978 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
Home Warranty of America
| 1.1
4,056 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
HSA Home Warranty
| 1.2
332 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
The Home Service Club
| 1.2
823 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
AFC Home Warranty
| 1.0
2,281 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
Home Warranty Inc
| 1.0
23 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Frontdoor
| 1.0
30 reviews
| Free app offers one live chat session with experts, plus access to vetted local providers for in-home services. Free how-to maintenance articles available. Free and paid membership plans. App available nationwide. | Read reviews |
American Home Protect
| 1.0
137 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $85 to $100 service fee. Unlimited claims for covered repairs. | Read reviews |
Complete Protection Home Warranty
| 1.0
View profile
| Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $29.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.0
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
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