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Best home warranty companies in Virginia

Best home warranty companies in Virginia

MarketWatch has highlighted these products and services because we think readers will find them useful. This content is independent of the MarketWatch newsroom and we may receive a commission if you buy products through links in this article.

You have plenty to worry about outside of your home’s systems and appliances. Although homeowners insurance will cover you in the event of a catastrophe, you need a home warranty for more mundane wear-and-tear damage. Home warranties cover repair and replacement bills when major home appliances wear out and break down. A home warranty provider will find you a trusted contractor who will perform the covered repairs for the low cost of a service fee.

Many nationwide home warranty companies offer their plans to Virginia homeowners, and it can be difficult to tell the difference between the providers without a spreadsheet. Luckily, our research team has done the legwork for you. Read our review of the best home warranty companies in Virginia to see which provider offers the best coverage for your home and budget.

The 5 best home warranty companies in Virginia
Compare the best home warranty companies in Virginia

See how the best home warranty companies compare on key metrics.

Provider

Visit Site

Best For

Monthly Cost in Virginia*

Service Fee

Years in Business

States Covered

BBB Rating

American Home Shield

Ahs.com

Best Overall

$34.99-$59.99

$75-$125

50

49

B

Choice Home Warranty

Choicehomewarranty.com

Covers the Essentials

$36.17-$43.85

$85

13

48

B

Select Home Warranty

Selecthomewarranty.com

Budget-Friendly

$35.83-$37.50

$45-$75

8

49

B

Amazon Home Warranty

Ahwp.com

Trusted by Customers

$39.92-$48.25

$75

12

45

NR

First American

Homewarranty.firstam.com

Affordable with Add-Ons

$27.83-$44.50

$100

37

34

B

*Range demonstrates least expensive plan to most expensive plan

1. American Home Shield

Availability: 49 states (all but Alaska)

Years in Business: 50

Our highest recommendation goes to American Home Shield, thanks to the company’s longevity and strong reputation within the industry. It’s been in business for 50 years and serves nearly two million customers. Its contracts are clearly laid out, and the company offers its comprehensive plans in every state except Alaska.

3 things to know about American Home Shield

  • 50 years of experience: American Home Shield is a well-established name with a far-reaching network of contractors.

  • Covers damage other providers don’t: American Home Shield is unique in covering damage stemming from insufficient maintenance, improper installation and unknown pre-existing conditions.

  • Choice of three service fees: American Home Shield allows you to customize your service fee with regard to your premium. You can pick the service fee and premium that fit your budget.

Plans and coverage

Like many home warranty providers, American Home Shield offers its customers a choice between three plans. One covers your home’s major systems, one covers appliances, and the third covers both.

Coverage

Systems Plan

Appliances Plan

Combo Plan

Refrigerator

Clothes washer

Clothes dryer

Range/oven/cooktop

Dishwasher

Built-in microwave oven

Trash compactor

Garage door opener

Free-standing ice maker

Built-in food center

Air conditioning

Heating system

Electrical system

Plumbing system

Water heaters

Garbage disposal

Instant hot/cold water dispensers

Doorbell

Smoke detectors

Ceiling fans

Central vacuum

With any of American Home Shield’s warranty plans, you can add on coverage for the following:

  • Electronic extended warranty

  • Well pump

  • Pool and spa

  • Septic pump

  • Guest units up to 750 square feet

Cost

One of American Home Shield’s unique offerings is its customizable service fees relative to monthly premiums. If you pay the $75 service fee every time a technician visits your home to diagnose or fix a problem, you’ll pay a higher premium. However, if you don’t anticipate needing to use your home warranty very often, you can choose to pay a higher service fee in exchange for a lower monthly premium.

Plan

$75 service fee

$100 service fee

$125 service fee

Systems

$49.99

$39.99

$34.99

Appliances

$49.99

$39.99

$34.99

Combo

$59.99

$49.99

$44.99

Get a quote: Fill out this form or call 844-529-9298 to get a price estimate. American Home Shield is offering $50 off to MarketWatch readers.

2. Choice Home Warranty

Availability: 48 states (all but California and Washington)

Years in Business: 13

For a plan with a little less comprehensive coverage for a lower price, we recommend Choice Home Warranty. This company’s two home warranty plans cover the essentials, and the Basic Plan even covers both systems and appliances. Although this provider sometimes receives mixed reviews, it’s been in business for more than 10 years and has a proven track record. It also guarantees its contractors’ repairs longer than any other home warranty company.

3 things to know about Choice Home Warranty

  • No home inspections: Choice Home Warranty, as with most providers, doesn’t require you to have your home inspected to qualify for one of its plans.

  • Affordable plans: Choice Home Warranty’s two plans both offer essential coverage for a reasonable fee.

  • 90-day workmanship guarantee: Choice Home Warranty guarantees its repairs for a full 90 days. That’s three times longer than most of its competitors.

Plans and coverage

Unlike companies that separate plans by systems and appliances, Choice Home Warranty offers a Basic Plan that covers both. Its Total Plan adds coverage for some expensive-to-repair items like air conditioning and refrigerators.

Coverage

Basic Plan

Total Plan

Heating system

Electrical system

Plumbing system

Plumbing stoppages

Air conditioning

Water heater

Whirlpool bathtub

Refrigerator

Oven/range/stove

Cooktop

Dishwasher

Built-in microwave

Garbage disposal

Clothes washer

Clothes dryer

Ductwork

Garage door opener

Ceiling and exhaust fans

Choice Home Warranty also offers add-on coverage for all of the following:

  • Pool/spa

  • Sump pump

  • Central vacuum

  • Limited roof leak 

  • Septic system

  • Septic tank plumbing

  • Second refrigerator

  • Stand-alone freezer

Cost

While Choice Home Warranty’s $85 service fee is a bit higher than the industry average, the company makes up for it with very competitive premium prices.

Plan

Monthly Cost

Basic

$36.17

Total

$43.85

Get a quote: Call 929-400-6165 or fill out this form to find out what one of these plans will cost in your area. Choice Home Warranty is offering $50 off and one month free to MarketWatch readers.

3. Select Home Warranty

Availability: 49 states(all but Alaska)

Years in Business: 8

Select Home Warranty is our recommendation for homeowners on a budget. For little more than a dollar a day, this company offers three home warranty plans. Both the deductible and the premium costs are the lowest on this list, yet Select Home Warranty still offers excellent value to its customers in nearly every state.

3 things to know about Select Home Warranty

  • Free roof leak coverage: Most home warranty companies don’t offer roof leak coverage at all, but it comes free with all Select Home Warranty plans.

  • Discounts on multi-year coverage plans: If you sign a contract for more than a year, you can receive discounted monthly premiums from Select Home Warranty.

  • Lowest price for comprehensive coverage: Even Select Home Warranty’s most comprehensive plan, which covers both systems and appliances, costs less than other companies’ basic plans.

Plans and coverage

Select Home Warranty’s Bronze Care plan covers your home’s systems, and its Gold Care plan covers appliances. The Platinum Care plan covers both.

Coverage

Bronze Care

Gold Care

Platinum Care

AC/cooling

Ductwork

Electrical system

Heating system

Plumbing system

Water heater

Cooktop

Dishwasher

Garbage disposal

Built-in microwave

Refrigerator

Stove/Oven

Clothes washer

Clothes dryer

Garage door openers

Plumbing stoppages

Select Home Warranty offers these options for add-on coverage, including items — like sprinkler systems — that other companies don’t cover:

  • Central vacuum

  • Lawn sprinkler system

  • Pool

  • Septic system

  • Spa

  • Stand-alone freezer

  • Sump pump

  • Well pump

Cost

Select Home Warranty’s service fees vary based on your location, but they range from $45 to $75. This is on the low end of the cost spectrum for a home warranty, as are this company’s premium prices. Additionally, Select Home Warranty will sometimes run sales and special promotions that allow you to save even more on your premiums.

Plan

Monthly Cost

Bronze

$35.83

Gold

$35.83

Platinum

$36.17

Get a quote: For a free quote, you can call 888-370-3956 or fill out this form. Select Home Warranty is giving $100 off and two months free to MarketWatch readers.

4. Amazon Home Warranty

Availability: 45 states (all but California, Iowa, Missouri, Oklahoma, Washington)

Years in business: 12

Amazon Home Warranty is often referred to as AHW to differentiate it from the online retail company, which it isn’t affiliated with. In over a decade of business, AHW has made a name for itself based on reliability. It also stands out as a home warranty company offering the rare benefit of allowing customers to select their own contractors to make repairs.

3 things to know about Amazon Home Warranty

  • 24/7 customer service: AHW receives excellent reviews for its customer service department, which is available 24 hours a day.

  • Choose your own contractor: If you already know of a technician whom you’d like to do the repair work on your home, AHW will pay them to do the necessary covered repairs.

  • Additional coverage options: AHW’s list of add-on coverage options is extensive and includes duplicates of the same item (i.e., more than one dishwasher).

Plans and coverage

AHW’s Appliances Plan, Systems Plan and Combo Plan are self-explanatory. However, note that the Combo Plan covers some extra items not included in the other two plans.

Coverage

Appliances Plan

Systems Plan

Combo Plan

Central AC system

Central heating system

Plumbing (including stoppages)

Electrical system

Hot water heater

Ductwork

Jetted bathtubs

Garage door openers

Dishwasher

Refrigerator (with icemaker)

Clothes dryer

Stand-alone freezer

Trash compactor

Oven/range/stove/cooktop

Clothes washer

Microwave ovens

Instant hot water dispensers

Garage disposal

Attic fan

Ceiling fan

Bathroom exhaust fan

Doorbell

Kitchen fan/exhaust hood

Additional coverage options include:

  • Additional dishwasher

  • Extra oven

  • Pool and spa

  • Additional microwave

  • Additional hot water heater

  • Water softener

  • Secondary refrigerator

  • Wine refrigerator

  • Well pump

  • Central vacuum

  • Additional washer/dryer

  • Ice maker

  • Limited roof leak

  • Sump pump

  • Whole-house humidifier

  • Septic system

  • Lawn sprinkler system

  • Additional central AC unit

  • Additional central heating unit

Cost

AHW charges a $75 service fee, which is normal for the industry. Similarly, its monthly premium costs are about average for a home warranty.

Plan

Monthly Cost

Appliances

$39.92

Systems

$39.92

Combo

$48.25

Get a quote: Get a free quote by filling out this form or by calling 866-605-8194. Amazon Home Warranty is offering $75 off and one month free to MarketWatch readers.

5. First American Home Warranty

Availability: 34 states (all but Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maine, Massachusetts, Minnesota, New Hampshire, New Jersey, New York, North Dakota, Rhode Island, Vermont and Wisconsin)

Years in business: 37

First American Home Warranty has been around for decades, offering homeowners, buyers and sellers high-quality home warranty options. It separates itself from the crowd with its First Class Upgrade option, an add-on to its two plans that provides extra coverage for items and types of damage that many other companies won’t cover.

3 things to know about First American

  • 24/7 claims filing: As with many home warranty companies, First American allows you to file a claim at any time of day or night using its online portal.

  • First Class Upgrade: This add-on includes coverage for various extra appliance parts plus services like refrigerant recapture and disposal, building permits and even some code upgrades.

  • Great value for money: First American Home Warranty offers comprehensive coverage at a very reasonable price.

Plans and coverage

Here are First American Warranty’s two plans. Note that even the Basic Plan offers coverage for washers, dryers and refrigerators.

Coverage

Basic Plan

Premier Plan

Clothes washer

Clothes dryer

Refrigerator

Dishwasher

Oven/range/cooktop

Microwave

Garbage disposal

Trash compactor

Plumbing

Plumbing stoppages

Heating system

Water heaters

Electrical systems

Garage door opener

Ductwork

Central vacuum system

Here are details of the First Class Upgrade, which you can add on to either plan.

  • Covers additional small parts on covered appliances (knobs, dials, grills, etc.)

  • Covers expenses related to the hauling away or removal of an appliance

  • Covers expenses from using cranes during installation

  • Covers damage due to improper installation or modification

  • Pays up to $250 where local building permits are required for replacing appliances

  • Pays up to $250 toward required code upgrades when making a repair

Additionally, First American Home Warranty provides optional coverage for the following:

  • Central air conditioning system

  • Well pump

  • Pool and spa equipment

  • Secondary refrigeration

Cost

First American charges a $100 service fee. Its premiums are due annually, but here is a monthly breakdown of the cost of each plan.

Plan

Monthly Cost

Basic

$27.83

Premier

$44.50

Get a quote: Complete this form or call 833-777-0049 to get a personalized quote from First American Home Warranty.

The bottom line

These five are our picks for the best home warranty companies in Virginia. Home warranties aren’t one-size-fits-all; as a homeowner, you need to choose the best option for your home and your budget. Think carefully about which appliances and systems in your home need coverage and ensure that the company you choose provides it. Each company on our list has something to offer that the others don’t.

American Home Shield provides the best overall value with coverage for more than just wear-and-tear damage. Choice Home Warranty offers coverage for the essentials at a low price. Select Home Warranty is the best budget option, and AHW offers outstanding customer service. Finally, First American Home Warranty’s First Class Upgrade provides excellent value for the coverage it offers.

We always recommend getting quotes from multiple providers before choosing the company for you. Luckily, most providers offer free online quotes, so use the links above to explore your options before making your choice.

Frequently asked questions

What is the best home warranty company in Virginia?

In Virginia, we found that American Home Shield offers the best overall plan. Between its customizable service fees, three home warranty plans and coverage of different types of damage, American Home Shield wins our top recommendation. However, depending on your situation, it may not represent the best value for everyone, so check out any of the others on our list for alternative options.

Are home warranties worth buying?

We certainly think so. Like any warranty, it doesn’t cover every type of damage, but it can be a lifesaver when you need it. Your home’s appliances and systems will eventually wear out from years of normal use, and this is precisely the situation that a home warranty is designed to cover. If you’re interested, read more on our reasons for why a home warranty is worth it.

Will a home warranty replace a broken appliance

Nearly all home warranty companies will offer some type of replacement reimbursement for a covered item that cannot be repaired. If the damage is severe or parts are no longer available, the provider will replace it. Keep in mind, however, that this will usually be in the form of a check for the item at cost rather than an actual, installed replacement. Nevertheless, this coverage can save you hundreds or thousands of dollars on broken appliances and systems.

What is a service call fee?

In addition to a monthly or yearly premium, a home warranty company will also charge a service call fee, sometimes called a deductible. This is an amount you pay every time a technician comes to diagnose or fix a covered problem. You’ll usually pay the contractor directly. The standard service call fee in the home warranty industry is $75, though some companies will offer higher or lower fees. Some, like American Home Shield, will let you choose your own deductible relative to your premium payment.

Methodology: Our system for ranking the best home warranty companies

Because our consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best home warranty companies. This system accounts for a wide range of ranking factors, and we collected data on dozens of home warranty providers to grade the companies on each factor. The end result was a cumulative score for each provider, with the companies that scored the most points topping the list.

To ensure our research was as thorough as possible, we called every major home warranty provider directly and spoke with representatives to get quotes, specifics on coverage options, availability based on location and additional information. We also reviewed sample contracts to better understand what each plan covers and to identify limitations. In addition, we simulated the process of reaching out to each company’s customer service team to evaluate their level of helpfulness and ability to solve problems.

Once we had gathered all relevant data, we used the following scoring system to grade each home warranty company on a 100-point scale:

  • Overall plan options (5 points possible, weighted X5): Companies that offer a variety of plan options are more likely to meet consumer needs. Thus, we awarded more points to providers that offered more plans and greater flexibility.

  • Cost (5 points possible, weighted X5): Monthly fees and service fees are both taken into consideration. The lower the fees, the higher the score.

  • Trust (5 points possible, weighted X5): Customer feedback on third-party review sites was analyzed to gauge the reputation of each company. Points were deducted for companies that are currently facing or have recently faced civil lawsuits.

  • Customer service (5 points possible, weighted X2): This factor is based on the responsiveness, friendliness and helpfulness of a company’s customer service team.

  • State availability (5 total points possible): Most home warranty companies do not serve all 50 U.S. states. Providers that offer service in the most states scored the highest in this category.

  • Additional benefits (5 total points possible): Promotions and discounts are among the perks that can make a home warranty more attractive to consumers. Companies that offered benefits that competitors didn’t were awarded more points.

  • Coverage specifics (5 total points possible): While the total number of plan options is important, it is also essential to consider what is covered under each plan. The more comprehensive the coverage, the better.

All company data is monitored on an ongoing basis so that all rankings and information remain up-to-date.

Published at Wed, 10 Feb 2021 22:38:00 +0000

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Written by Riel Roussopoulos

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