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Best Home Warranties in Virginia

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    by Taylor Sansano Contributing Writer

    Our research team vetted 18 home warranty companies that are rated by more than 1,965 customers in Virginia. Read our guide to choose the best home warranty in Virginia for you by comparing plans, contract lengths and service fees.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 3,481,218 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.

    Key insights

    • Our top picks include American Home Shield, Choice Home Warranty, Select Home Warranty, Cinch Home Services and HomeServe.
    • To find the best home warranty in Virginia for you, think about the coverage you really need and shop around for a good deal.
    • A home warranty in Virginia typically costs about $40 to $60 per month, but the overall price range is a bit wider.

    Compare Top Virginia Home Warranty Companies

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      Our 5 Virginia home warranty picks

      Here are our favorite home warranty companies in Virginia, based on local reviews:

      Methodology

      To select our top picks, we started with the home warranty companies available in Virginia on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Virginia, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

      Our top pick overallAmerican Home ShieldAUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: $75, $100 or $125

      American Home Shield serves over 2 million homeowners and real estate agents across the United States. Its home service contracts cover up to 23 major home systems and appliances (a pretty standard amount), but you have the option to personalize your coverage with add-ons and your choice of service fee. You can file a claim online at any time. All repairs are completed by someone from AHS’s network of 17,000 locally licensed contractors and backed by a 30-day workmanship guarantee.

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

      ShieldSilverShieldGoldShieldPlatinum
      Monthly premium cost*$29.83 to $44.83$39.83 to $54.83$59.83 to $74.83
      Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-on
      ShieldSilver$29.83 to $44.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldGold$39.83 to $54.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
      ShieldPlatinum$59.83 to $74.83$75, $100 or $125Add-onAdd-onAdd-on

      *For a home in Richmond at the time of publishing

      American Home Shield’s reviews in Virginia are overwhelmingly positive. At the time of publishing, AHS has over 12 times as many 5-star reviews as 1-star reviews from people in Virginia.

      Kimberly from Woodbridge left a review praising the company for its convenience. “The American Home Shield website was easy to read and navigate through. I received a text message which contractor would come out who then provided excellent customer service. They notified me of the intent to arrive, what time frame, and were on time. So, they were very easy to work with. They had all the pieces with them and they were able to resolve the icemaker not making any ice quickly.”

      “I've had two or three things done with American Home Shield and all of it came out well. … For the most part, they have quality people that come out who do the job one time and it's done. I haven't had to call anybody back out to do anything all over again. Everybody seems to know what they're doing. They're here when they’re supposed to be here. Everything's pretty fast and the payments are quick too,” wrote David from Yorktown.

      Our pick for customer serviceChoice Home WarrantyAUTHORIZED PARTNER
      • Number of plans: 2
      • Contract length: 1 year
      • Service fee range: $85

      Choice Home Warranty’s plans cover more than 1 million homes nationwide, and they all include a free first month of service at the time of publishing. All repairs and replacements are completed by someone from its network of 15,000 contractors. Choice Home Warranty does not require any home inspection for coverage.

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

      Basic planTotal plan
      Monthly premium cost*$50.57$59.14
      Service call fee*$85$85
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-on
      Roof leak repairsAdd-onAdd-on
      Second refrigeratorAdd-onAdd-on
      Septic pumpAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-on
      Well pumpAdd-onAdd-on
      Basic plan$50.57$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
      Total plan$59.14$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Richmond at the time of publishing

      Reviews for Choice Home Warranty in Virginia are positive, often highlighting the company’s customer service.

      “My technician was flexible, knowledgeable, quick, and demonstrated great customer service. I appreciate the learning opportunity as well. Thank you for turning a stressful situation into a positive experience. ... Thank you again,” wrote Nicole from Alexandria.

      Peyton from Glade Spring was also enthusiastic about Choice Home Warranty: “I have only used my Choice Warranty one time so far, but it is absolutely awesome! The claim was super easy to file, they were extremely prompt getting a technician assigned to me, then the technician was awesome keeping me in the loop and being on time. I am pleased thus far! Will be recommending!”

      Our pick for long-term coverageSelect Home WarrantyAUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: Typically $60 to $75

      Select Home Warranty sells home service plans for a variety of home types, including single-family homes, manufactured homes, mobile homes, rental properties and multi-unit buildings. Select Home Warranty plans do not limit the number of covered repairs you can get, as long as the appliances are properly maintained. If you want to sign up for multiple years of coverage, you may qualify for a discount.

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

      Bronze CareGold CarePlatinum Care
      Monthly premium cost*$60.42$60.42$65.83
      Service call fee*Typically $60 to $75Typically $60 to $75Typically $60 to $75
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairsAdd-onAdd-onAdd-on
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezerAdd-onAdd-onAdd-on
      Well pumpAdd-onAdd-onAdd-on
      Bronze Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Gold Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
      Platinum Care$65.83Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on

      *For a home in Richmond at the time of publishing

      Virginians are fond of Select Home Warranty’s service, and multiple reviews specifically mention satisfaction with the company’s long-term coverage.

      Kamna from Manassas wrote, “It was very helpful to work with Jeff ** and getting a very warranty for 5 years. He did assist us with the understanding of the monthly vs yearly warranty and the discounts received. We have been having issues with our current Home warranty company so hoping to have a much better warranty with Select Home Warranty.”

      Alexis from Newport News shared similar sentiments about the long-term coverage: "Great service! I was able to communicate what type of coverage I was looking for and the Select was able to get me a awesome rate. Went with the coverage for 5 years and love that it's transferable to next house!"

      Our pick for unique coverageCinch Home ServicesAUTHORIZED PARTNER
      • Number of plans: 3
      • Contract length: 1 year
      • Service fee range: $75 or $150

      Cinch Home Services offers three home warranty plans, but what sets the company apart is its coverage for items not normally included in home warranties, like unknown preexisting conditions, rust and corrosion. Since its founding, Cinch has serviced more than 1 million claims nationwide, and all repairs are guaranteed for 180 days.

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

      Appliances PlanBuilt-in Systems PlanShieldPlatinum
      Monthly premium cost*$29.99 to $45.99$35.99 to $53.99$44.99 to $62.99
      Service call fee*$75 or $150$75 or $150$75 or $150
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      Electrical
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      PoolsAdd-onAdd-onAdd-on
      Roof leak repairs
      Second refrigerator
      Septic pumpAdd-onAdd-onAdd-on
      Stand-alone freezer
      Well pumpAdd-onAdd-onAdd-on
      Appliances Plan$29.99 to $45.99$75 or $150Add-onAdd-onAdd-on
      Built-in Systems Plan$35.99 to $53.99$75 or $150Add-onAdd-onAdd-on
      Complete Home Plan$44.99 to $62.99$75 or $150Add-onAdd-onAdd-on

      *For a home in Richmond at the time of publishing

      Reviews for Cinch Home Services are generally positive. Reviewers in Virginia mention their happiness with the company and the technicians it sends to fix their issues.

      Michael from Midlothian wrote, “We got some service recently with Cinch and it was very smooth. They got connected to the local people fairly promptly and the service was done well. The techs were very good. … Cinch is good quality for the money. Things will break down and people might as well be ready for it.”

      Frank from Virginia Beach was similarly pleased: “We've had Cinch Home for a long time and we've never had a bad experience with anybody they sent. They've all seemed very good.

      Our pick for specialty plansHomeServeAUTHORIZED PARTNER
      • Number of plans: 9*
      • Contract length: 1 year
      • Service fee range: Varies

      HomeServe Home offers coverage for a variety of home systems and appliances, including multiple plans with smaller coverage lists in case you just want to protect certain parts of your home. Plans do not require proof of home inspection, and there are no age-based restrictions on covered items. HomeServe has also partnered with Dominion Energy Inc. to offer eligible customers a variety of home service plans not otherwise available in certain areas.

      With HomeServe, you gain access to a network of over 12,000 licensed technicians and contractors. HomeServe also has its own app for plan and claim management. All repairs are guaranteed for an entire year.

      We’ve compared some of this company’s plans based on select coverage items below, but it’s worth noting that this is only a sample of HomeServe’s offerings.

      TotalHome Warranty AppliancesTotalHome Warranty ComboPremium Home Protection Plan
      Monthly premium cost*$48.33$58.33$69.99
      Service call fee*$100$100$0
      Built-in microwaves
      Clothes dryers
      Clothes washers
      Dishwashers
      Ranges, ovens and cooktops
      Refrigerators
      Air conditioning
      ElectricalInterior only
      Garbage disposals
      Heating
      Plumbing
      Water heaters
      Pools
      Roof leak repairs
      Second refrigerator
      Septic pump
      Stand-alone freezer
      Well pump
      TotalHome Warranty Appliances$48.33$100
      TotalHome Warranty Combo$58.33$100Interior only
      Premium Home Protection Plan$69.99$0

      *For a home in Richmond at the time of publishing

      Reviewers from Virginia like HomeServe, and its specialty plans may be a great solution if you’re only worried about a specific part of your home breaking down.

      Agaither from Chesapeake wrote, “The experience has been fine submitting a claim with HomeServe. The process is easy. Whenever we have a problem at the house, I just call them. If it’s covered, they send someone out. So far, the quality of the contractors has been good. I never had an issue with anyone. I also didn't have to call them back behind something they didn't do.”

      “Plumbing came out very fast because Home Serve mark my appointment was urgent,” reported Steve from Hampton. “I wish I known about home serve years ago. You could save tons of cash getting expensive things repair in emergencies situation.”

      Tips for choosing a home warranty company in Virginia

      richmond virginia skyline

      In Virginia, most home warranties include a set 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’s going to go wrong in your home, and a home warranty with the wrong coverage isn’t of much use.

      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 gets all types of weather, ranging from hot, humid summers to cool, 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.

      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). This is different from many other states, which often 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 have a certain amount of money held aside 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.

      Virginia home warranty FAQ

      The average cost of a home warranty from one of our top picks in Virginia is about $50 to $60 per month, though monthly costs can range from roughly $30 to $75.

      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.

      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 that 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.

      Because the company specifically calls out that all of its plans cover rust, corrosion and unknown preexisting conditions, Cinch could be a good option if you just bought an older home that you’re unsure of. Plus, its workmanship guarantee lasts for 180 days, which is more than triple what many companies offer.

      Bottom line

      Virginia has some quirks when it comes to buying a home warranty, but overall, the process in the Old Dominion is much like anywhere else. If you’re looking for more insights on home warranties, check out our coverage resource or the FAQ portion of our home warranty guide. For more information about costs, you can review our home warranty cost resource.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. Fairfax County, “Solving Drainage and Erosion Problems: A Guide for Homeowners.” Accessed November 2, 2021.
      2. Virginia Department of Agriculture and Consumer Services (VDACS), “Board of Agriculture and Consumer Services.” Accessed November 2, 2021.
      3. Code of Virginia, “Title 59.1. Trade and Commerce, Chapter 33.1. Home Service Contract Providers.” Accessed November 2, 2021.

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        Compare Top Virginia Home Warranty Companies

        by Taylor Sansano Contributing Writer

        Taylor Sansano has been writing for ConsumerAffairs since 2018. She’s contributed to consumer resources, local guides and company profiles on a wide variety of topics, helping consumers make smart purchasing decisions at multiple stages of life. She holds a bachelor’s degree in journalism and a master’s degree in liberal arts.

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