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Best Home Warranty Companies In virginia 2025

Virginia’s diverse landscapes, from the vibrant beaches to the rolling Blue Ridge Mountains, present unique needs for homeowners. Keeping your home running smoothly requires planning. This guide dives into the Best Home Warranty Companies In Virginia, empowering you to compare coverage options, costs, and providers. Find the perfect fit to safeguard your investment and enjoy peace of mind year-round.

1 Award Winner

Elite Home Warranty

Elite Home Warranty

$200 OFF and 1 Month Free. 30-Day Free Trial.

Outstanding

4.9

2 Fast Claim Processing

Regency Total Home Warranty

Regency Total Home Warranty

$300 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.6

3 Affordable Coverage

Select Home Warranty

Select Home Warranty

$150 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.4

Our Picks: 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.

1 Award Winner

1

Elite Home Warranty

Best Home Warranty Award Winner.
No Contract. Cancel Anytime.
24/7 U.S. Based Live Claims Concierge.
Industry Highest Coverage Options.

$200 OFF and 1 Month Free. 30-Day Free Trial.

Outstanding

4.9

Premium $59.99 - $69.99

Deductible $70.00 - $130.00

Total Coverage Benefits $25,000 Contractual Limit

2 Fast Claim Processing

2

Regency Total Home Warranty

Affordable and Flexible Pricing.
Unlimited Service Calls.
Simple and Friendly Claims Process.

$300 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.6

Premium $54.99 - $64.99

Deductible $60.00 - $100.00

Total Coverage Benefits $15,000 Contractual Limit

3 Affordable Coverage

3

Select Home Warranty

Cost Effective and affordable Plans.
Fast claims Processing.
Free Roof Leak Coverage.

$150 OFF and 2 Months Free + Free Roof Coverage

Excellent

4.4

Premium $54.99 - $64.99

Deductible $60.00 - $125.00

Total Coverage Benefits $11,000 Contractual Limit

4

Liberty Home Guard

24/7 Customer Support with Same Day Response.
Extensive Add Ons Coverage Options.
Fast and Easy Claim Processing.
Fully Digital Claims Experience.

$200 OFF and 2 Months Free + Free Roof Coverage

Outstanding

4.7

Premium $54.99 - $69.99

Deductible $85.00 - $150.00

Total Coverage Benefits $15,000 Contractual Limit

5

America’s First Choice

Lifetime Workmanship Guarantee.
Option to Choose Any Licensed Technician.
In-House Service Team for Fast Resolutions.

$250 OFF and Free Roof Coverage

Excellent

4.5

Premium $54.99 - $69.99

Deductible $75.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

6

American Home Shield (AHS)

50+ Years of Industry Experience.
Largest Home Warranty Company.
Comprehensive Coverage.
Reliable Claims Process.

$100 OFF and Free Roof Coverage

Excellent

4.4

Premium $54.99 - $89.99

Deductible $75.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

7

ARW Home – American Residential Warranty

No Age Restriction on Covered Items.
Service Available in all 50 States.
Electronic Gadgets Protection.

$100 OFF and 2 Months Free

Excellent

4.2

Premium $54.99 - $64.99

Deductible $100.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

8

First American Home Warranty

Strong Real Estate Integration.
Paid Over $200 Million In Claims.
Serves 500k+ Customers Nationwide.

Flexible Payment Options

Good

3.6

Premium $54.99 - $64.99

Deductible $85.00

Total Coverage Benefits $10,000 Contractual Limit

9

Cinch Home Services

180 Day Workmanship Guarantee.
Online Customer Portal.
Comprehensive Coverage.

Free Water Sensor and 2 Months Free

Good

3.4

Premium $54.99 - $64.99

Deductible $75.00 - $150.00

Total Coverage Benefits $10,000 Contractual Limit

10

2-10 Home Buyers Warranty

Specialized Structural Coverage.
Reliable Claims Process.
24/7 Emergency Services.

20% OFF All Plans

Good

3.8

Premium $59.99 - $74.99

Deductible $75.00 - $125.00

Total Coverage Benefits $10,000 Contractual Limit

11

America’s Preferred Home Warranty (APHW)

Strong Customer Retention Rates.
Reliable Claims Process.
Roof Leak Coverage.

Good

3.9

Premium $59.99 - $69.99

Deductible $50.00 - $100.00

Total Coverage Benefits $25,000 Contractual Limit

2025 Home Warranty Annual Award Winner

HomeWarrantyReviews.com, a trusted name in the industry for decades, lets customer voices shine through its annual awards. Combining real-world experiences with expert analysis, these awards highlight the providers that homeowners truly trust. After reviewing over 25 home warranty companies, the Home Warranty Reviews team named Elite Home Warranty the best home warranty company nationwide. We trust Elite Home Warranty to protect your home due to its reliable services, most beneficial coverage benefits and consumer centric approach, and you should too.

Why Homeowners Trust Elite Home Warranty?

Elite Home Warranty isn’t just another provider, they are setting a new standard in the industry. Here’s why thousands of homeowners trust Elite Home Warranty every day:

Top Rated Customer Satisfaction: 4.9/5 stars across verified platforms including BBB, Home Warranty Companies, Consumera, Google and more.
Affordable Pricing: Competitive rates with no hidden fees, surprise charges, or misleading fine print.
Efficient Claims Process: 90% of claims are processed within 24 to 48 hours, with real time status updates.
Best in Class Coverage That Actually Works: Elite offers the best coverage benefits with some go the highest limits in the industry, with trusted protection when you need it most.
Award-Winning Support Team: Friendly, U.S.-based claims concierge available 7 days a week to help you every step of the way.

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?+

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?+