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Best Home Warranty Companies in Virginia

We compared 34 companies and chose the top home warranty providers

    • Best overall
      Cinch Home Services
      4.1(12,299)
    • Older homes
      First American Home Warranty
      4.0(8,913)
    • Coverage flexibility
      Liberty Home Guard
      4.4(1,503)
    Author picture
    By: Taylor Sansano
    +3 more
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    By: Alina Bradford
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    Edited by: Cassidy McCants
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    Fact-checked by: Jon Bortin

    Best Home Warranty Companies in Virginia

    Cinch Home Services is the best home warranty company in Virginia, thanks to 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 $24.99 to $91.66 per month, depending on the provider and plan level.

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    Key insights

    Cinch Home Services is our top pick for Virginia because it includes coverage for permits and code violations — an important safeguard for homeowners with older properties.

    Jump to insight

    In Virginia, home warranties average $60.15 per month, with pricing that can range from $300 to $1,100, depending on the company and coverage tier.

    Jump to insight

    If your home is older, prioritize plans that include allowances for permits and code violations.

    Jump to insight

    Our 4 home warranty company picks in Virginia

    1. Best overall: Cinch Home Services
    2. Best for older homes: First American Home Warranty
    3. Best coverage flexibility: Liberty Home Guard
    4. Best value: American Home Shield

    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 home warranty companies

    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 overall

    Cinch Home Services

    Cinch Home Services
    4.1
    12,299 reviews
    Plans available
    Appliances, Built-in Systems and Complete Home
    Monthly premium range
    $38.99 to $66.99
    Service fees
    $100, $125 or $150
    Labor guarantee
    180 days
    Read Reviews

    Cinch earns our top spot in Virginia largely because it does a better job than most competitors at covering the extra costs that come with repairs in older homes — especially permits and code-related upgrades. Many companies either exclude these expenses or cap them so low that homeowners still end up paying most of the bill.

    Cinch's Premier plan offers a meaningful allowance for these types of upgrades, which can matter when a replacement triggers new venting, piping or other code requirements. For Virginia homeowners with houses built decades ago, this can be the difference between a manageable service call and an unexpectedly expensive project.

    Base plans from Cinch start at $24.99 a month in Virginia. Cinch offers service fees of $100, $125 or $150. The lower the service fee, the higher the monthly premium.

    • Repair Only: ($24.99 to $36.99): Covers repairs for both systems (like heating, plumbing and electrical) and appliances (like washers, dryers and ranges). This plan is strictly for repairs and has a $1,000 limit per covered claim; it does not cover full replacements.
    • Repair + Replace: ($49.99 to $61.99): Includes everything in the Repair Only plan but adds coverage for replacements if an item cannot be fixed. It increases the coverage limit to $2,000 per appliance and includes a $500 reimbursement benefit for homeowners insurance deductibles.
    • Repair + Replace Premier: ($72.99 to $84.99): The most comprehensive option, covering everything in the Repair + Replace plan plus outside water and gas lines. It also adds a $2,000 allowance for typically noncovered costs like permits, code upgrades and equipment disposal.

    Add-ons and discounts

    • Optional add-ons:
      • Septic tank and pumping: $4.58
      • Well pump: $12.50
      • Premier upgrade package: $12.50
      • Pool and spa (heater included): $22
    • Discounts: First month free in some cases
    Pros
    • Industry-leading coverage for code violations
    • Covers unknown preexisting conditions
    • Low starting costs
    Cons
    • Few add-on options
    • Strict policy on rust and sediment

    To understand how Cinch Home Services performs for Virginia homeowners, we looked closely at customer reviews. Claims handling, technicians, and punctuality and speed received the most positive feedback from local reviewers.

    Cinch Home Services review breakdown by category

    Virginia reviewers often describe Cinch as efficient once a claim is in motion, with technicians who are professional and capable — especially for common issues like HVAC repairs, appliance breakdowns and plumbing problems. That said, some customers report scheduling frustrations.

    “I've been with Cinch Home Services for around 8 years now. Their technicians do a great job whenever they come out to my home, and I'm quite satisfied with how they handle things. I'm also satisfied with my coverage. … I've definitely been glad that I have my coverage, even if a quicker response time would make the experience even better.”
    Lacey South Chesterfield, VA
    “My experience with them was exceptional, especially compared to other providers I've dealt with before. The technicians were friendly and professional, and they carried out their tasks with great attention to detail. In the past, with other warranties, I had to haggle over various aspects, but with Cinch Home Services, everything was managed smoothly.”
    Thern Hopewell, VA
    “I've contacted them twice for services, and I've found them to be quite prompt, with everything proceeding smoothly. … If a friend or family member were to ask me about Cinch, I would certainly recommend them.”
    Bimal Bristow, VA
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best for older homes

    First American Home Warranty

    First American Home Warranty
    4.0
    8,913 reviews
    Plans available
    Starter, Essential and Premium
    Monthly premium range
    $37 to $72
    Service fees
    $100 or $125
    Labor guarantee
    None specified
    Get a Quote Read Reviews

    First American is a strong match for older Virginia homes because it offers coverage that can protect you from problems caused by past work — especially systems that weren't installed perfectly by a previous owner. Many home warranties deny claims if they can point to improper installation, which is a common headache in older properties.

    First American's Eagle Premier plan is notable for being more forgiving in this area. For homeowners buying or maintaining a house with an uncertain maintenance history, this extra layer of protection can reduce the chances of an immediate denial when something finally fails.

    First American plans cost $42.03 to $82.03 per month in Virginia. They are all combination plans, meaning coverage includes appliances and systems. Service call fees are $100 or $125 (a lower service fee will result in higher monthly premiums).

    • Starter: Covers major systems like heating, plumbing, electrical and ductwork, common kitchen appliances and toilets. Monthly premiums are $42.03 to $47.03.
    • Essential: Includes everything in the Starter plan plus fans, garage doors, washers and dryers. Monthly premiums are $57.03 to $62.03.
    • Premium: Most comprehensive plan, covers everything in the Essential plan, plus hot/cold water dispensers and central vacuums. Monthly costs are $77.03 to $82.03.

    These premiums are based on quotes we received for a three-bedroom, two-bathroom home in Virginia Beach.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $7
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: Reduced premiums for paying annually
    Pros
    • Eagle Premier covers improper installation
    • No age limit on appliances
    • First Class Upgrade covers code violations
    Cons
    • Base plan excludes AC
    • No systems-only plan

    Virginia customers frequently mention responsive support and an easy-to-use app that makes it simple to submit claims and get connected with contractors. However, some reviewers note that timelines can stretch when the assigned provider has scheduling limitations or local technician shortages.

    “I've been a First American Home Warranty customer for about 10 or 11 years and my experience overall has been fairly positive. In general, the customer service has been really good. … Having considered these factors, I would rate my overall experience as quite good and recommend their services to others.”
    Nancy Richmond, VA
    “Service appointment was easy to obtain from FAHW. … 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.”
    Richard Ashburn, VA
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best coverage flexibility

    Liberty Home Guard

    Liberty Home Guard
    4.4
    1,503 reviews
    Plans available
    Appliance Guard, Systems Guard and Total Home Guard
    Monthly premium range
    $49.99 to $59.99
    Service fees
    $50 to $125
    Labor guarantee
    60-day workmanship warranty
    Get a Quote Read Reviews

    Liberty stands out for homeowners who want a plan they can tailor. In practice, that flexibility can translate into a smoother claims experience — especially when the breakdown isn't a "standard" covered item. Liberty's long list of add-ons makes it easier to build a policy around the way your home is actually set up.

    For Virginia homeowners with unique setups (or who simply want more customization than most providers offer), Liberty's add-on menu can reduce the odds of running into a "not covered" surprise after you file a claim.

    Liberty offers three plans. We got quotes for a three-bedroom, two-bathroom home in Virginia Beach:

    • Appliance Guard ($49.99): Covers major appliances throughout your home.
    • Systems Guard ($54.99): Covers your home's major systems.
    • Total Home Guard ($59.99): Covers all of the systems and appliances in the lower-tiered plans.

    Add-ons and discounts

    You can choose from over 30 additional add-ons with any Liberty plan. That's higher than most home warranty companies by a wide margin, and even includes things like pest control, power washing and window cleaning.

    If you pay for a full year of coverage upfront, you'll get two months free.

    Pros
    • Extensive add-ons for niche systems
    • Flexible coverage terms, including month-to-month
    • Mobile app
    Cons
    • $500 limit for plumbing and electrical
    • $2,000 coverage cap for HVAC

    To understand how Liberty Home Guard performs for Virginia homeowners, we looked closely at customer reviews. Punctuality and speed, customer service and technicians received the most positive feedback from local reviewers.

    Liberty Home Guard review breakdown by category

    Virginia reviewers often describe Liberty's claims process as straightforward and say representatives explain plan options clearly. Some complaints focus on how replacements are handled when an item can't be repaired, including disagreements about what counts as a "comparable" replacement.

    “Overall, I'm satisfied with Liberty Home Guard. The claim was processed efficiently, and they dispatched a contractor quickly, far faster than the other company we use. This efficiency has led me to rate the service a 4 out of 5.” —13847682
    Sean Vienna, VA
    “I've been with Liberty Home Guard for about a year and, overall, my experience has been satisfactory. The claims process has been smooth; they have always done well in terms of connecting me with the right professionals, be it a plumber or electrician.” —13847057
    Kerubel Falls Church, VA
    “Great customer service from Kevin **. Explained all of my options clearly and patiently answered all of my questions and concerns. I have reviewed other home warranty companies and I believe he presented the best plan for my needs.” —13839711
    Richard Fredericksburg, VA
    Best value

    American Home Shield

    American Home Shield
    3.7
    109,981 reviews
    Plans available
    ShieldSilver, ShieldGold and ShieldPlatinum
    Monthly premium range
    $29.99 to $89.99
    Service fees
    $100 or $125
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield can deliver strong value for Virginia homeowners who want broader protection against the kinds of failures that some providers are quick to deny. The reason it performs well here isn't that it's always the cheapest month to month — it's that the coverage can be more forgiving for real-world wear, including issues tied to rust, corrosion and sediment.

    That matters in older homes, where systems don't fail in a perfectly "clean" way. If your goal is to reduce the risk of paying out of pocket because a company points to age-related deterioration as the reason for denial, AHS is one of the more practical options.

    Base plans from AHS start at $29.99 a month in Virginia. You can choose a $100 or $125 deductible, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($29.99 or $39.99): Covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($49.99 or $59.99): Covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • ShieldPlatinum ($79.99 or $89.99): The most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    The premiums above are based on quotes we received for a three-bedroom, two-bathroom home in Virginia Beach. The lower cost plan comes with a higher service fee.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties
    Pros
    • Covers rust, corrosion and sediment damage
    • No age limit on systems or appliances
    • High coverage limits for key home systems
    Cons
    • Low $250 limit for permits and code modifications
    • Expensive high-tier plan

    To understand how American Home Shield performs for Virginia homeowners, we looked closely at customer reviews. Claims handling, punctuality and speed, and technicians received the most positive feedback from local reviewers.

    American Home Shield review breakdown by category

    Virginia reviewers commonly mention that filing a claim online is straightforward and that many repairs are resolved quickly once a contractor is assigned. However, some customers also note that timelines can stretch during busy periods, especially when parts are delayed or when the provider network is overloaded.

    “I appreciate the peace of mind their service provides, akin to an insurance policy, saving us significant costs on repairs. I've been with American Home Shield for nearly two years, and while there are challenges, the reassurance they offer is valuable.”
    Courtney & Terrence Spotsylvania, VA
    “I made the choice to try American Home Shield, and I must say the experience has been impressive. … Based on my experience, I fully intend to recommend American Home Shield to friends. Their service has certainly made me a satisfied customer.”
    Phillip Danville, VA
    “The overall experience with American Home Shield was positive. They were responsive to my needs, especially considering the holiday rush. I've always received the necessary service from them. I'm happy with them and I wouldn't hesitate to recommend American Home Shield to family and friends.”
    Shekeba Springfield, VA
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process

    Home Warranties in Virginia Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Cinch Home Services logo
    First American Home Warranty logo
    Liberty Home Guard 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

      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

      Virginia residents pay an average of $60.15 monthly for home warranties. Annual premiums range from $300 to $1,100, depending on the provider. Service fees generally sit between $75 and $150.

      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 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 “a distinct lack of available and reputable heating and cooling contractors ... \[which\] resulted in long waiting periods for repairs,” 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 $60.15 per month on average. Home warranty premiums generally range from $24.99 to $91.66 per month, depending on the plan. The average cost of a home warranty in Virginia is 11.1% 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.

      ProviderMonthly premium range*Service call fee
      cinch home services logo$24.99 to $84.99$100, $125 or $150
      first american home warranty logo$42.03 to $82.03$100 or $125
      liberty home guard logo$54.99 to $64.99$65 to $125
      american home shield logo$29.99 to $89.99$100 or $125
      cinch home services logo$24.99 to $84.99$100, $125 or $150
      first american home warranty logo$42.03 to $82.03$100 or $125
      liberty home guard logo$54.99 to $64.99$65 to $125
      american home shield logo$29.99 to $89.99$100 or $125

      *Data updated January 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.

      » MORE: Can you get a home warranty on an older home?

      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.

      » MORE: Does a home warranty cover pest control?

      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.

      Here’s how we scored each company:

      • Code updates and modifications (40%): 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.
      • Local satisfaction rate (35%): 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.
      • 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.
      • 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
      • 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.

      Note: Each superlative emphasizes certain factors more than others. 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.

      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 Feb. 4, 2026.
      2. Virginia Department of Agriculture and Consumer Services, “Board of Agriculture and Consumer Services.” Accessed Feb. 4, 2026.
      3. Virginia Law Portal, “Chapter 33.1. Home Service Contract Providers.” Feb. 4, 2026.

      Not sure how to choose?

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