Best Home Warranties in West Virginia

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 three companies that offer the best plans for your money.

A home warranty in West Virginia can help protect your wallet from the cost of unexpected breakdowns and repairs. Its winter temperatures can overwork your heating system, while summer storms can cause damage to your air conditioning unit.

Although West Virginia’s weather can cause serious problems to your HVAC system, a home warranty can help cover the cost of repairs and replacements in the event of a breakdown.

Most companies offer multiple home warranty plans that cover a variety of items, so it shouldn't be hard to find a plan that fits your coverage needs. The first step to finding a home warranty that works for you is to determine what kind of plan you need:

• If you're focused on appliance coverage, consider an appliance-only plan.
• If you're more worried about unexpected repairs to your home systems, consider a plan that covers major systems like HVAC, plumbing, ductwork, electrical and your water heater.
• If you need coverage for both your systems and appliances, a comprehensive plan that covers replacements and repairs on both could work for you. While a comprehensive plan may have a slightly higher premium, it could potentially save you hundreds to thousands of dollars a year.
• Consider an add-on plan if you want coverage for items that are normally excluded, such as pools, spas, sprinklers or well pumps.

After you determine what kind of plan you need, request and compare quotes from the home warranty companies that meet your criteria. Remember to double-check reviews so there are no surprises about the company's reputation for service time and support. Also, look over the contract for coverage caps and exclusions so you know what kind of coverage you're getting.

In West Virginia, home warranties are regulated by the state's insurance commissioner. If you have an issue with your home warranty provider or feel like your claim was wrongly denied, you can file a formal complaint with West Virginia’s Offices of the Insurance Commissioner online or over the phone.

West Virginia has pretty standard laws and regulations related to home warranties. Along with a few other requirements, in order to be valid, home warranty service contracts must:

• Be in writing
• Be written in plain, conspicuous language
• Include any defects or malfunctions from a home inspection
• Describe any defects or repairs done by the previous owner
• Outline exclusions and what is covered
• List any limitations or coverage caps
• Guarantee indemnity for defective parts, mechanical or electrical breakdown and labor costs

West Virginia’s insurance commissioner also has some regulations for home warranty companies. It requires that all companies submit a detailed statement of their financial records to ensure consumers aren’t left without coverage in case of bankruptcy. Home warranty companies are also required to receive a license and register with the state before they can sell warranties.

The insurance commissioner puts these regulations in place for home warranties to protect consumers from deceptive, unfair practices and foster fair competition between companies.

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 selecting our top picks.

To choose the top home warranty companies in West 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 West Virginia. We then weighted several key features to get our final rankings:

• Coverage options: We broke down each company’s home warranty plans to ensure they offered 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 by not paying for coverage you don’t need. We checked to see what customization options each company offered, 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 coverage selected, but we confirmed our top picks’ prices were competitive in the home warranty industry.
• Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks were in line with industry standards.