If you’ve been thinking about getting home warranty coverage in Virginia but aren’t sure where to start, we can help. 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.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.
Our editor’s top picks
Home warranties can help cover the costs of unexpected breakdowns of your major systems and appliances. Our research team has analyzed 26 different home warranty companies to find the best coverage for you. By comparing customer ratings and reviews, coverage limits, prices and available plans, our team chose four companies that offer the best plans for your money.
| Company | Customer rating | About | Learn More |
|---|---|---|---|
 | 4.0
68,455 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 |
 | 4.1
11,764 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 |
 | 4.1
1,770 reviews
| Offers home warranties designed for real estate professionals in the home selling process. Costs vary by state but expect to pay around $600 to $700 per year for Platinum coverage. Deductible averages $75. | Read reviews |
 | 4.2
8,678 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 |
 | 3.8
105,785 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
 | 3.4
14,890 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
 | 3.3
131 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
 | 3.1
978 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 |
 | 2.9
557 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 |
 | 2.9
2,580 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 |
 | 2.9
274 reviews
| Customizes home warranty plans in most states. Plans start 20 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 |
 | 2.1
1,950 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 $7.99 a month. | Read reviews |
 | 1.6
2,255 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 |
 | 1.7
58 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 |
 | 1.1
3,983 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 |
 | 1.1
6,671 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
 | 1.2
296 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 |
 | 1.2
1,905 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 |
 | 1.1
294 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 |
 | 1.0
811 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 |
 | 1.0
380 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
Jump into our guides and start learning
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.
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:
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.
The average cost of a home warranty from one of our top picks in Virginia 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.
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.
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.
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
ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when we make our top picks.
To choose the top home warranty companies in Virginia, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Virginia. We then weighted several key features to get our final rankings:
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. To learn more about home warranty companies, check out our home warranty buyers guide or our article on home warranty coverage.
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