Best Home Warranty Companies In West Virginia 2024

Our Picks: 5 Best Home Warranty Companies For west virginia Residents

Here are our top picks for the 5 Best Home Warranty Companies in West Virginia Resident. We've carefully considered factors like coverage options, customer service, value, and reputation in the Mountain State to help you find the perfect fit for your needs.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Flexible service call fee
Covers undetectable pre-existing conditions
Offers generous coverage caps

Cons

Limited additional coverage options

Plans, Cost & Coverage

AHS provides competitive plans starting at $39.99 per month, with ShieldGold and ShieldPlatinum starting at $59.99 and $89.99, respectively. Customers can choose from two service call fee options, $125 and $100, and their plan costs will be determined accordingly.

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$39.99	$59.99	$89.99
Cost at $100 Service Call Fee	$49.99	$69.99	$99.99

ShieldSilver:

Covers 14 essential home systems: heating, cooling, plumbing, electrical
Budget-friendly plans start at $39.99 per month
No need for a home inspection to obtain coverage

ShieldGold:

Builds upon ShieldSilver by covering 23 major home appliances and systems(including dishwasher, oven, etc.)
Offers worry-free maintenance for 9 additional appliances and systems
Allows flexibility in choosing a licensed service provider, subject to AHS approval

ShieldPlatinum:

Provides the most comprehensive coverage, including everything in ShieldGold plus extra protections
Offers ultimate peace of mind with coverage for roof leak repairs and guest house breakdowns (as add-ons)
Features generous coverage limits to protect against high repair costs

Why We Picked It?

AHS presents three inclusive coverage plans, empowering you to select the protection level aligning with your comfort preferences. Additionally, they offer customizable service fee options, enabling you to tailor your plan and manage expenses efficiently. AHS ensures ample limits of up to $5,000 for home systems such as HVAC and up to $4,000 for appliances, contingent upon the chosen plan.

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

Offers workmanship guarantee of 60 days
Provides extensive add-on coverage
Offers live chat option

Cons

Charges a cancellation fee of $50 after the first 30 days

Plans, Cost & Coverage

Liberty Home Guard offers three core plans: systems-only, appliances-only, and a comprehensive combination with customizable add-on options. In West Virginia, plans are affordable from $49.99 to $59.99, providing a balance of extensive coverage and cost-effectiveness to meet diverse homeowner 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 9 major appliances like refrigerators, washers, and ovens
Protects against breakdowns from normal wear and tear
Affordable monthly premiums start at $49.99

System Guard

Protects 6 essential systems, including plumbing, electrical, and HVAC
Tailored for homeowners prioritizing critical system protection
Provides peace of mind with 24/7 customer service availability

Total Home Guard

Encompasses coverage for 15 essential home systems and appliances, including all items from previous plans
Offers the most comprehensive plan for worry-free homeownership
Provides the highest value for your monthly investment

Why We Picked It?

Liberty distinguishes itself with its adaptable plan durations and wide range of optional coverages, providing customers with more customization options than other highly rated companies. Accessible in all 50 states, Liberty also includes roof leak coverage as an additional feature, a unique offering not universally available from competitors.

Highly Rated By Customers

4.7 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

Provides a 30-day free trial
Has a wide list of 27 add-on options
Provides a 90-day workmanship guarantee

Cons

Charges $150 service fees for weekend visits

Plans, Cost & Coverage

Elite Home Warranty provides a variety of coverage levels tailored to individual needs, including an appliances-only plan, a systems-only plan, and a comprehensive combo plan. Take a look at the table below to learn more about the plans and pricing:

Plans	Elite Appliances	Elite Systems	Elite Complete
Service Call $70	$44.99	$49.99	$59.99

Elite Appliances

Ensures the safety of key kitchen and laundry appliances, including refrigerators and dishwashers
Provides coverage for eight crucial home appliances
An affordable option for hassle-free appliance maintenance and repairs

Elite Systems

Protects seven essential home systems, such as plumbing, heating, and electrical systems
Ideal for homeowners who want focused coverage on home systems

Elite Complete

Combines appliance and system coverage for comprehensive protection.
Suitable for those seeking broad coverage for home systems and appliances at an affordable rate of under $60 per month.

Why We Picked It?

Elite Home Warranty emerges as a practical option for homeowners searching for reliable coverage. Its higher coverage limits justify its pricing, particularly compared to competitors that provide substantially lower limits for important items.

Best For Lifetime Service Warranty

3.7 |

Excellent

Monthly Cost

$33 - $56

Service Fee

$75 - $125

Response Time

Pros & Cons

Pros

Offers budget-friendly plans
Choice of technician
Provides around-the-clock customer support

Cons

Limited add-on options

Plans, Cost & Coverage

AFC’s plans generally range from $34 to $90 per month. The pricing varies depending on the selected service fee, which ranges from $75 to $125.

Here is a detailed analysis of the cost and plans offered by AFC Home Warranty:

Plans	Silver Plan	Gold Plan	Platinum Plan	Diamond Plan
Monthly	$34.33	$48.50	$53.17	$87.75
Yearly	$347	$516	$573	$938

Silver Plan:

Covers 9 common household appliances
Budget-friendly option
Perfect for individuals seeking coverage explicitly tailored to appliances

Gold Plan:

Covers 15 major appliances & systems (electrical, plumbing, Kitchen appliances, and more)
Includes appliance coverage from Silver Plan
Protection for core home functions

Platinum Plan:

Covers 18 appliances and systems
Built-in microwave and plumbing stoppage included
Top-tier protection for peace of mind

Diamond Plan:

Covers everything from Platinum Plan plus electronics (including smartphones) and exterior water and sewer lines
Ultimate home warranty protection

Why We Picked It?

We selected AFC Home Club due to its range of plans, which slightly surpass industry averages. What distinguishes AFC is its free credit monitoring and emergency alert services, which enhance the overall value for customers. This combination of competitive pricing and supplementary benefits contributes to AFC’s strong presence in the market.

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

Generous coverage caps
Flexible simple service fee model
Home inspections are not mandatory

Cons

Limited service provider choices

Plans, Cost & Coverage

First American Home Warranty presents three comprehensive plan options: the Starter Plan, Essential Plan, and Premium Plan. The Starter and Essential Plans offer protection for home appliances and systems, each with a coverage cap of $3,500 per appliance.

The Premium Plan expands coverage to include additional systems and appliances while also doubling the appliance limits to $7,000 per appliance. This ensures thorough protection customized to meet homeowners’ specific needs.

	Starter Plan	Essential Plan	Premium Plan
Service Call of $125	$52	$62	$77
Service Call of $100	$57	$67	$82
Service Call of $75	$67	$77	$92

Starter Plan:

Safeguards 8 vital appliances & systems, including dishwasher, refrigerator, and electrical systems, among others
Suited for new homeowners or those with recently acquired appliances

Essential Plan:

Includes all features of the Starter Plan and adds four additional items
Provides significant reassurance regarding the essential operations of your residence

Premium Plan:

Provides the most comprehensive coverage encompassing all items from the Starter and Essential Plans
Extends coverage to 6 additional items, such as a pool pump, well pump, and garbage disposal

Why We Picked It?

With three comprehensive plan options, First American Home Warranty (FAHW) ensures extensive coverage for various home appliances. Ideal for homeowners worried about issues in older homes or seeking cost-effective coverage, FAHW’s plans go beyond standard protection.

They address problems stemming from improper installation or lack of maintenance, which is common in aging properties. With flexible coverage options, FAHW can customize a solution to suit your needs and budget, guaranteeing the perfect fit for peace of mind.

Is Home Warranty Plans Beneficial For West Virginia Homeowners?

Keeping your West Virginia home running smoothly? Here's how a home warranty can help.

West Virginia's climate can be harsh, with hot summers and cold winters. This puts stress on your HVAC system, leading to breakdowns. A home warranty helps cover repairs or replacements due to weather-related wear and tear.
The state's freezing winters can cause pipes to burst, resulting in costly repairs. Home warranties often cover plumbing system repairs caused by freezing, offering financial protection.
Appliances are more likely to malfunction due to extreme temperatures. A home warranty safeguards your budget from unexpected appliance repairs during sweltering summers or frigid winters.
West Virginia's mountainous terrain can place unique demands on your home's systems. A warranty can help cover repairs specific to these geographical challenges, like sump pump issues or well problems.
Appliance and system breakdowns can wreak havoc on your finances. Home warranty plans provide a predictable repair cost, helping you avoid unexpected financial strain.
When an appliance or system fails, a home warranty often provides quick access to qualified repair technicians, minimizing disruption and inconvenience.
Locating reputable appliance and system repair professionals can be challenging. A home warranty company usually has a network of pre-approved technicians who ensure quality service.
Home warranty companies often have negotiated rates with repair technicians, potentially lowering the overall repair cost compared to finding someone independently.

How Much Does A West Virginia Home Warranty Cost?

Here's a breakdown of the average costs associated with a home warranty in West Virginia:

Average Annual Cost

$725

Average Monthly Cost

$60

Average Service Fee (Deductible)

$60 - $75

It's important to remember that these are just averages, and the actual cost of your home warranty in West Virginia will vary depending on several factors, including:

The specific company you choose: Different companies offer various plans and coverage levels, all at different price points.
The level of coverage you select: More comprehensive plans with a wider range of covered items will typically cost more than basic plans.
Add-on coverage: Some companies allow you to add coverage for specific appliances or systems, increasing the overall cost. For example, consider adding coverage for the well pump if your home has an older well.
Your home's location and age: Location and age can sometimes influence pricing due to factors like repair costs and claim frequency. For instance, homes in remote areas might see slightly higher service fees due to travel time for technicians.

Home Warranty Coverage In West Virginia

Here’s a breakdown of what a typical home warranty covers in the Mountain State, along with some exclusions to keep in mind and additional considerations for West Virginians:

Common Coverages

Appliance RepairThis product protects against malfunctions in major appliances like refrigerators, ovens, dishwashers, washing machines, and dryers. It is particularly valuable in West Virginia’s harsh winters and hot summers when appliances tend to work harder.
Plumbing System CoverageThis covers safeguards against issues with pipes, faucets, toilets, and the water heater. It is especially important in West Virginia, where freezing temperatures can cause pipes to burst.
Heating and Air Conditioning (HVAC) System CoverageHome warranty plans can cover repairs for malfunctions in your furnace, air conditioner, and related components.

Common Exclusions

Pre-existing ConditionsIf your appliance or system failed before you purchased the warranty, it likely won’t be covered.
Cosmetic IssuesThe warranty does not cover peeling paint on your dishwasher or rusty washing machine.
Misuse or AbuseWarranty coverage typically doesn’t extend to damage caused by improper use of the appliance or system.
Acts of GodHome warranties typically do not cover events such as lightning strikes or floods; home insurance companies typically cover these.

Additional Points to Consider for West Virginia Homeowners

Well System and Sump Pump CoverageThese features are common in West Virginia’s mountainous regions. Make sure your chosen plan offers coverage for repairs or replacements if needed.
Roof Leak CoverageWhile not all plans offer it, some West Virginia-specific warranties may cover roof leak repairs, a valuable benefit considering the state’s variable weather conditions.

Who regulates Home Warranty Companies In West Virginia?

In West Virginia, there isn't a dedicated regulatory body for home warranty companies like in some other states. However, that doesn't mean you're without recourse:

West Virginia Office of the Insurance Commissioner: While home warranties aren't technically considered insurance in the state, you can still file a complaint with the West Virginia Office of the Insurance Commissioner if you have an issue with a home warranty company. They can mediate disputes and provide resources for consumers.

Here are some resources that can help protect you:

National Home Service Contract Association (NHSCA)This industry association sets ethical and fair business practice guidelines for home warranty providers. Look for companies that are NHSCA members, as they are more likely to adhere to industry standards.
Service Contract Industry Council (SCIC)This organization develops and promotes model legislation and regulations for service contracts, including home warranties. Their resources can help you understand what to expect from a home warranty plan.

Final Word

In conclusion, navigating West Virginia's unique climate and geographical challenges requires a thoughtful approach to homeownership. Home warranty plans offer valuable protection, but selecting the optimal provider requires meticulous evaluation.

By carefully comparing coverage options, service area reputation, and client reviews, West Virginia residents can secure a home warranty that safeguards their investment and ensures the continued comfort of their mountain abode.

Frequently Asked Questions (FAQs)

What Are The Most Common Home Repairs In West Virginia?

West Virginia’s diverse climate and topography often shape common home repairs. Harsh weather conditions, including heavy rainfall and snow, contribute to frequent roof repairs and the need for well-maintained gutters to prevent water damage.

The hilly terrain may lead to foundation issues, while fluctuating temperatures make HVAC system repairs and plumbing issues commonplace. Exterior elements, such as siding, windows, and doors, require attention to withstand the weather extremes. Additionally, pest control becomes crucial in wooded areas prone to infestations.

How To Get American Home Shield To Replace Air Conditioner?

To have American Home Shield (AHS) replace your air conditioner, start by reviewing your service contract and documenting the issues with the unit. Contact AHS to initiate a service request, and a technician will inspect the air conditioner. If the technician recommends replacement and your contract covers it, communicate this to AHS for approval.

Once authorized, schedule the replacement with an approved service provider, pay any applicable fees outlined in your contract, and follow up to ensure a smooth process and proper functioning of the new unit. Keep in mind that specific procedures may vary based on your contract terms.

Do Home Warranty Companies Offer Coverage For Pools?

Yes, many home warranty companies offer coverage for pools. Pool coverage is typically an optional add-on or a separate plan that homeowners can purchase in addition to their standard home warranty coverage. Pool coverage can include various pool system components, such as the pump, filter, heater, and electrical systems.

Best Home Warranty Companies In west virginia 2024

Our Picks: 5 Best Home Warranty Companies For west virginia Residents

Is Home Warranty Plans Beneficial For West Virginia Homeowners?

How Much Does A West Virginia Home Warranty Cost?

Home Warranty Coverage In West Virginia

Common Coverages

Common Exclusions

Additional Points to Consider for West Virginia Homeowners

Who regulates Home Warranty Companies In West Virginia?

Final Word

Frequently Asked Questions (FAQs)

What Are The Most Common Home Repairs In West Virginia?

How To Get American Home Shield To Replace Air Conditioner?

Do Home Warranty Companies Offer Coverage For Pools?