Best Home Warranty Companies in Virginia (2024)

Our Picks: 5 Best Home Warranty Companies For virginia Residents

Following a comprehensive evaluation of various providers, we've identified Virginia's top 5 home warranty companies. These companies offer reliable protection and peace of mind for Virginian homeowners, ensuring your home runs smoothly throughout the seasons.

Best For Separate Coverage Options

4.7 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

Competitive pricing and service call fee
Option to choose your own licensed technician
Offers customizable plans

Cons

Charges $150 service fees for weekend visits

Plans, Cost & Coverage

Elite Home Warranty offers three plans- Elite Complete, Elite Appliances, and Elite Systems. Each plan is tailored to meet different needs, providing coverage for various aspects of homeownership.

Plans	Elite Appliances	Elite Systems	Elite Complete
Monthly Cost	$44.99	$49.99	$59.99

Elite Appliances

Coverage for eight major household appliances
Includes garbage disposal, dishwasher, and refrigerator, among others
Suitable for homeowners who prioritize coverage specifically for their essential appliances

Elite Systems

Provides coverage for seven essential home systems
Includes items like heating systems, air conditioning units, electrical wiring, plumbing pipes, etc
Ideal for homeowners who prioritize the protection of their home’s systems

Elite Complete

Offers coverage for a wide range of home appliances and systems
Ensures that repairs or replacements are handled efficiently
Provides comprehensive solutions to homeowners

Why We Picked It?

Elite Home Warranty offers comprehensive coverage for home systems and appliances. Their plans are often customizable, allowing homeowners to select the coverage that best fits their needs and budget. It is a popular choice due to its comprehensive coverage, reliable service, and customizable options.

Best For Add-ons

4.7 |

Excellent

$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Transparent pricing with no hidden fees or deductibles
Comprehensive coverage for a wide range of appliances and home systems
24/7 customer support for assistance with claims and inquiries

Cons

Service availability may vary depending on location and service provider network

Plans, Cost & Coverage

Liberty Home Guard offers three home warranty plans: Appliance Guard, Systems Guard, and Total Home Guard. Plans commence at $49.99 per month and cover repairs or replacements of covered items up to $2,000. Explore the details of each plan to see which one best suits your needs.

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99/Month	$54.99/Month	$59.99/Month
Annual Plan	$499.99/Annum	$549.99/Annum	$599.99/Annum

Appliance Guard

Covers essential kitchen and laundry appliances (refrigerators, dishwashers, ovens, etc.)
Protects against breakdowns due to normal wear and tear
Covers both parts and labor costs for repairs or replacements of covered appliances

Systems Guard

Protects critical home systems like HVAC, electrical, and plumbing systems
Protects against malfunctions of components like heating elements, wiring, and pipes
Provides 24/7 support for emergency system repairs

Total Home Guard

Comprehensive coverage for both appliances and home systems under a single plan
Combines the benefits of both Appliance Guard and Systems Guard
Ideal for homeowners seeking all-encompassing protection for their entire home, offering complete peace of mind

Why We Picked It?

Liberty Home Guard offers peace of mind with affordable plans covering essential appliances and systems. Their flexible options focus on customer service and commitment to fast claims, making them a reliable home warranty choice.

Best For Added Plumbing Coverage

2.8 |

Good

Monthly Cost

$47 - $87

Service Fee

$75, $100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Offers a variety of plans with coverage for essential home systems and appliances
Extensive network of qualified contractors and technicians
Does not mandate home inspections

Cons

Limited availability

Plans, Cost & Coverage

First American Home Warranty offers three plans- Starter, Essential, and Premium. Each plan comes with different levels of coverage and deductible options to suit various homeowner needs.

Deductible	Starter	Essential	Premium
$125	$42.00	$52.00	$67.00
$100	$47.00	$57.00	$72.00
$75	$57.00	$67.00	$82.00

Starter Plan

Covers essential systems like plumbing, electrical, and heating, providing basic protection for your home
Includes coverage for common appliances such as dishwasher, refrigerator, oven, and cooktop
Suitable for homeowners looking for basic coverage to address common repair needs

Essential Plan

Most popular plan at $52.00/month, offering a balanced combination of coverage and affordability
Extends coverage to include additional appliances like clothes washer, dryer, and water heater
Offers a competitive price point for those looking for a reliable home warranty plan with broader coverage

Premium Plan

Includes everything in the Starter and Essential Plans, plus luxury appliance coverage for high-end appliances
Extends coverage to additional items such as garbage disposal, full garage door system, and faucets
Provides enhanced protection with features like instant hot water dispenser and additional coverage options

Why We Picked It?

First American Home Warranty offers competitive pricing and deductible options, allowing homeowners to choose a plan that fits their budget. With transparent pricing and no hidden fees, homeowners can trust they are getting a fair deal.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Offers budget-friendly plans
24/7 customer service
Free roof leak coverage

Cons

Lower dollar limits for appliances

Plans, Cost & Coverage

Select Home Warranty offers three plans—Bronze Care, Gold Care, and Platinum Care—that offer comprehensive coverage for various systems and appliances. In addition to these options, Select Home Warranty ensures that all plans have free roof leak coverage.

Plan	Bronze Care	Gold Care	Platinum Care
Monthly Cost	$44.42	$44.42	$47.75

Bronze Care

Essential coverage for eight fundamental home appliances
Budget-friendly choice for homeowners seeking basic protection
Provides coverage for essential appliances like the refrigerator, microwave, dishwasher, and others

Gold Care

Protects a broader range of home systems
Offers coverage for seven basic home systems starting at $44.42
Covers essential systems such as AC, plumbing, electrical, and more

Platinum Care

Covers a total of eighteen systems and appliances
Ideal for homeowners seeking comprehensive home coverage, this plan offers extensive protection, all for less than $50 per month

Why We Picked It?

Select Home Warranty provides a flexible service fee range of $60 to $75, enabling homeowners to select a plan that aligns with their budget. Furthermore, they extend up to $150 off and two additional months of coverage for annual premium plans, delivering exceptional value to customers.

Best For Customer Services

3.3 |

Good

$200 Off + 2 Months Free*

Monthly Cost

$60 - $67

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

24/7 service calls online or by phone
Extensive network of prescreened technicians
Provide generous guarantees if service fails, offering 30 days for labor and 90 days for parts

Cons

No option for appliance- or system-only plans

Plans, Cost & Coverage

ServicePlus Home Warranty offers two plans- Gold and Platinum. These plans provide different levels of coverage to meet various homeowner needs and preferences.

	Gold	Platinum
Less than 5,000 sqft	$37.46	$43.71
Above 5,000 sqft	$45.79	$52.04

Gold Plan

Coverage for 15 essential home systems and appliance
Suitable for homeowners seeking varied coverage at a budget-friendly cost of under $40/month
Extensive network of prescreened technicians

Platinum Plan

Coverage for 20 home systems and appliances
Ensures comprehensive protection against unexpected repair costs
Ideal for homeowners seeking maximum protection

Why We Picked It?

ServicePlus Home Warranty offers comprehensive coverage plans tailored to meet various homeowner needs, ensuring protection for essential home systems and appliances. With a reliable network of qualified contractors and technicians, homeowners can expect prompt and professional service when repairs or replacements are needed.

Is Home Warranty Plans Beneficial For Virginia Homeowners?

A home warranty in Virginia can protect citizens from various issues specific to the state's climate and housing conditions, including:

Protection against breakdowns of heating and cooling systems is essential for maintaining comfort during Virginia's hot summers and cold winters.
Coverage for leaks, burst pipes, and water heater malfunctions can be exacerbated by Virginia's fluctuating temperatures and occasional heavy rainfall.
Safeguarding against electrical failures, faulty wiring, and malfunctioning outlets is crucial for ensuring safety and functionality, particularly during severe weather events like thunderstorms and hurricanes.
Coverage for major appliances such as refrigerators, dishwashers, and washing machines, helping homeowners in Virginia avoid unexpected repair or replacement costs.
Protection against roof leaks and structural issues caused by Virginia's occasional heavy snowfall and storms, ensuring homeowners are prepared for the state's unpredictable weather conditions.

How Much Does A Virginia Home Warranty Cost?

Here's a general cost range for home warranties in Virginia:

Average Annual Cost

$420 - $745

Average Monthly Cost

$35 - $65

Average Service Fee (Deductible)

$60 - $125

The cost of a home warranty in Virginia can vary depending on several key factors:

Age Of Home: Older homes in Virginia may require more extensive coverage and are more prone to breakdowns, potentially resulting in higher warranty costs.
Weather Conditions: Virginia experiences a range of weather conditions, including hot summers and cold winters, which can put stress on home systems like HVAC and plumbing, impacting warranty pricing.
Property Location: The specific location of the property within Virginia, whether it's in urban areas like Richmond or rural regions, can impact warranty costs due to variations in service availability and repair costs.
Home Size & Features: Larger homes or those with additional features like pools or extensive landscaping may require higher coverage limits, leading to increased warranty costs.
Local Repair Costs: The cost of labor and parts for repairs in Virginia may vary depending on local market conditions, impacting the overall cost of the home warranty.

Home Warranty Coverage In Virginia

Virginia’s diverse landscapes and vibrant communities present unique challenges for homeowners. Here’s a breakdown of what a home warranty typically covers in Virginia, helping you understand the potential benefits:

General Coverage Of Virginia Home Warranty

Heating, Ventilation, & Air Conditioning (HVAC) Covers crucial components like your air conditioner, furnace, heat pump, and ductwork, ensuring your home stays comfortable year-round in Virginia’s diverse climate.
Plumbing Protects against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures, safeguarding your home from potential water damage.
Electrical Covers repairs for electrical wiring, outlets, switches, and breaker panels, ensuring the safety and functionality of your electrical system.
Kitchen Appliances This might include essential appliances like refrigerators, ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine due to unexpected breakdowns.
Laundry Appliances Washing machines and dryers are commonly covered, protecting you from the costs of repairs needed to keep your laundry routine running smoothly.

Additional Coverage Options

Pool & Spa Coverage Virginia’s warm climate makes pools and spas popular additions to many homes. Adding pool and spa coverage to your plan can provide financial protection for repairs related to pumps, filters, and heaters, ensuring you can continue enjoying your backyard oasis without unexpected repair costs.
Well Pump Coverage Many homes in rural Virginia rely on well water. Adding well pump coverage to your plan can provide peace of mind by ensuring repairs or replacements for your well pump system are covered.
Roof Leak Coverage Virginia experiences diverse weather conditions, including heavy rain, hail, and occasional snow, which can strain roofs. Adding roof leak coverage can offer financial protection for leaks and potential water damage repairs, safeguarding your home’s interior.

Common Exclusions

Septic System Coverage While some companies might offer this coverage in other states, it’s rarely included in standard Virginia home warranty plans due to the complexity and potential for pre-existing conditions in septic systems. If you rely on a septic system, explore separate service contracts or consider alternative solutions.
Damage Caused By Natural Disasters Standard home warranty plans typically exclude coverage for damage caused by natural disasters like hurricanes or floods. However, some companies might offer optional add-on coverage for specific events.
Cosmetic Repairs Repairs that solely address the appearance of an appliance or system without impacting functionality are usually excluded.
Negligence Or Improper Maintenance Damage caused by neglecting proper maintenance or failing to perform routine upkeep on your systems and appliances is typically not covered. Familiarize yourself with the specific maintenance requirements outlined in your plan to avoid potential coverage gaps.

Who Regulates Home Warranty Companies In Virginia?

Two primary agencies regulate home warranty companies in Virginia:

Virginia Department of Agriculture and Consumer Services (VDACS)

The VDACS, specifically the Office of Charitable and Regulatory Programs (OCRP), requires all home warranty providers operating in Virginia to register with the state.

They also enforce the Virginia Home Service Contract Providers Act, which outlines specific regulations and consumer protection measures for home warranty companies. This includes requiring companies to:

Maintain a surety bond of at least $10,000 to ensure they can fulfill their obligations to customers.
Provide consumers with a written disclosure statement outlining coverage details, exclusions, and service call procedures.
Adhere to specific advertising and marketing regulations to prevent misleading information.

Virginia Bureau of Insurance

While not the primary regulator, the Virginia Bureau of Insurance oversees the financial solvency of some home warranty companies in the state. This applies to companies offering warranties that combine home warranty coverage and limited liability insurance.

These hybrid plans might offer protection against specific risks like appliance failure and accidental damage in addition to standard home warranty coverage.

Final Word

Virginia's diverse landscapes and vibrant communities present unique homeownership needs. A home warranty can safeguard your essential systems and appliances, bringing peace of mind. By comparing plans, understanding coverage details, and considering additional options, you can find Virginia's best home warranty company to suit your specific needs and budget.

Frequently Asked Questions (FAQs)

What Are The Home Warranty Regulations In Virginia?

In Virginia, homeowners frequently encounter distinct repair challenges shaped by the state’s diverse climate. The needs are diverse, from addressing storm-induced roof repairs to conducting HVAC maintenance to adapt to temperature fluctuations. Common issues include plumbing concerns, exterior upkeep, and appliance malfunctions while prioritizing termite and pest control is crucial.

Do Home Warranty Companies Cover Pest Control In Virginia?

Generally, home warranty companies do not cover pest control under conventional plans. However, a few companies like Liberty Home Guard provide pest control programs under their optional add-ons.

Are Home Warranty Plans Worth It In The State Of Virginia?

In Virginia, home warranty plans can be highly beneficial, providing homeowners with valuable protection against the common repair challenges influenced by the state’s diverse climate. With frequent needs for roof repairs, HVAC maintenance for temperature variations, and plumbing concerns, a home warranty tailored to Virginia’s specific conditions offers peace of mind.

What Is A Workmanship Guarantee?

A workmanship guarantee is a commitment a contractor or service provider provides regarding the quality and craftsmanship of their work. This assurance typically covers a specified period during which the contractor pledges to address and rectify any defects or issues arising from their work.

Best Home Warranty Companies In virginia 2024

Our Picks: 5 Best Home Warranty Companies For virginia Residents

Is Home Warranty Plans Beneficial For Virginia Homeowners?

How Much Does A Virginia Home Warranty Cost?

Home Warranty Coverage In Virginia

General Coverage Of Virginia Home Warranty

Additional Coverage Options

Common Exclusions

Who Regulates Home Warranty Companies In Virginia?

Virginia Department of Agriculture and Consumer Services (VDACS)

Virginia Bureau of Insurance

Final Word

Frequently Asked Questions (FAQs)

What Are The Home Warranty Regulations In Virginia?

Do Home Warranty Companies Cover Pest Control In Virginia?

Are Home Warranty Plans Worth It In The State Of Virginia?

What Is A Workmanship Guarantee?