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The Best Home Warranty Companies in Virginia: Get the Best Coverage and Value in 2024

Stressed about whether or not a Virginia (VA) home warranty is worth the price? And on top of that, you can figure out what the best VA home warranty company is. Forget the research frenzy! This in-depth analysis reveals the top home warranty companies in VA, along with category winners!

  • Appliance Champions: Shield your aging fridge or leaky dishwasher with the ultimate protection.
  • Budget-friendly Bargains: Score affordable coverage for your historic charmer and say goodbye to repair stress.
  • Free Roof Leak Fixers & More: Discover category winners like optional pool coverage, luxury appliance plans, and best VA home warranty coverage for older homes and appliances. 

Navigating Virginia’s home warranty maze can feel like a chore. But chill out! We’ve meticulously reviewed the top 6 companies, dissecting coverage, pricing, reputations, and customer satisfaction. No one-size-fits-all exists, so we provide unbiased reviews and expert picks to help you find the perfect match for your needs and budget.

While Liberty Home Guard (LHG) shines for VA coverage, affordability matters too. That’s where Choice Home Warranty steps in, offering comprehensive plans at budget-friendly prices. Both excel in reputation, with LHG boasting stellar BBB and Trustpilot ratings, and a #1 California ranking. Plus, LHG’s long list of add-ons lets you personalize your coverage, from pools to luxury appliances, even for older treasures. And with a 30-day workmanship guarantee, you can relax knowing your repairs are done right.

By choosing the right Virginia home warranty coverage you can avoid having to pay for expensive repairs for appliances and even home systems like water heaters, air conditioning and ductwork and so much more!


Scott Dylan Westerlund
Home Improvement Specialist
9.4 Great

Best Home Warranty Company Reviews: 9,000+ reviews with an average rating of 4.7 out of 5 stars! Also, “A” rated by the Better Business Bureau (BBB).

Get Exclusive Offer: $200 Discount and 2 Free Months

  • Low complaint level online
  • Tons of positive customer reviews
  • Live chat available
  • Robust coverage that includes roof leaks and pest damage
  • Tons of custom add-on options
  • 60-day workmanship guarantee
Read Review
  • Table of Contents
Last Updated: February 19, 2024
Best Overall
9.4 Great

  • Best BBB rating
  • Excellent customer reviews
  • 24/7 customer service
  • Free roof leak and pest damage coverage
  • Low prices
  • Easy to submit claims
  • Get coverage and repairs fast
8.5 Very Good

  • BBB Accredited and “B” Rated.
  • Low Prices: Plans start at just $36 per month.
  • Transferable coverage for moving to a new home.
  • 24/7 claims availability.
  • Coverage per appliance goes up to $7,000.
  • Free cancellation within the first 30 days.
  • No preset coverage caps for heating, air conditioning, or ductwork.
8.4 Very Good

  • Covers major systems, including electrical, plumbing, appliances, HVAC.
  • Unlimited coverage for air conditioning on all plan tiers
  • Service call fees start at $75, flexible options.
  • Fast Response Time: 48 hours
  • $4,000 appliance limit, no cap on major systems.
  • Covers regardless of age, issues, history.
8.1 Very Good

  • Lets customers save by signing up for multi-year plans
  • Offers a low-cost premium plan for appliances and home systems compared to competitors
  • High coverage limits for HVAC and air conditioning
  • Strong customer service
  • Recently went from a "C" to a "B" rating with the BBB
  • 90-day repair guarantee
7.9 Good

  • Goes by The Home Service Club of California (HSC)
  • Appliance coverage is included in the Standard Plan.
  • HSC offers a 60-day workmanship and 90-day parts guarantee.
  • Best home warranty coverage for pools and spas.
  • It’s easy to file claims online 24/7 and customer service answers the phone quickly.
  • Get $50 Off + Your First Month is Free! Get Your Free Quote Now!

Trends and Important Information About Home Warranty Companies in Virginia

Virginia residents have around a dozen licensed home warranty companies to choose from in the state. With recent increases in home sales, new and first-time homeowners are increasingly purchasing home warranties after closing to protect themselves from unexpected costs.

In 2023, home warranty companies in Virginia came under scrutiny when Fidelity National Home Warranty Company was named in a wrongful-death lawsuit after an 82-year-old woman passed away while waiting for her air conditioner to be fixed.

For this reason, Fidelity National does not make our list of companies to consider for a Virginia home warranty. We also excluded a popular home warranty company in Virginia called Elite Home Warranty based on the fact that the company was only established in 2020.

Top Home Warranty Companies in Virginia

Best Overall: Liberty Home Guard

Best Starter Plan: First American Home Warranty

Best Comprehensive Coverage: American Home Shield

Best for Free Roof Leak Coverage: Select Home Warranty

Highly Rated in the Industry: Choice Home Warranty

1. Best Overall: Liberty Home Guard (LHG)

As a newer company established in 2017, reviewers sometimes overlook Liberty Home Guard. However, a solid “A” rating with the BBB, a customer review average of 4.7/5 stars, and a low number of customer complaints on record prove that the new brand on the block can also be a strong performer.

LHG’s advantage over competitors is that it doesn’t need to catch up with the digital-first era because it was founded in the digital-first era. Customers enjoy live chat, easy 24/7 claim filing, and an expectation that a tech will be there within 24 to 48 hours.

We also wanted to secure the top spot for Liberty Home Guard on our list of the best home warranty companies in Virginia because this is a rare company that offers pest control and limited roof leak coverage in the same plans.

Liberty Home Guard Overview:

  • Customers can choose Appliance Guard, Systems Guard, or Total Home
  • Price tiers cost $58.33 monthly/$699.99 yearly, $62.49 monthly/$749.99 annually, $66.66 monthly/$799.99 annually
  • Upgrading to a systems and appliance plan covering 15 items instead of a single plan costs just a few dollars more per month
  • 30-day labor guarantee
  • 90-day parts guarantee
  • Coverage caps at $2,000 for most appliances and systems
  • Founded in 2017
  • “A” rating from the BBB
  • 4.7 out of 5 stars based on nearly 2,000 reviews from Trustpilot users
  • Based in Brooklyn, Connecticut

Why We Chose Liberty Home Guard

While Liberty isn’t the cheapest option, customers get a real value when they bump up to the Total Home plan that covers all major home appliances and systems. We also like that you can choose from close to 40 add-on coverage options for just a few dollars each per month.

2. Best Starter Plan: First American Home Warranty (FAHW)

First American Home Warranty is the top choice if you don’t want to pay for anything beyond a starter plan. While many of the home warranty companies Virginia residents can select make you choose between appliance-only or systems-only base plans, First American Home Warranty offers a Starter plan that covers all major appliances and seven home systems. Members can also upgrade to the Essential or Premium plans to cover more appliances and specialty systems.

First American Home Warranty Overview:

  • Coverage limits are $3,500 to $7,000 per appliance
  • Price tiers are $47, $57, and $72 per month
  • Basic tier covers refrigerator, oven, dishwasher, built-in microwave, toilet, plumbing, electrical, ductwork, and heating
  • Upgrading brings coverage for air conditioning, water heater, clothes washer and dryer, exhaust fans, garbage disposal, mini-split systems, garage door opener, and much more
  • Most add-on options cost just $2 to $7 more per month
  • Canceling is free within the first 30 days
  • Founded in 1984
  • “B” rating with the BBB
  • Based in Santa Rosa, California

Why We Chose First American Home Warranty

While we believe that the Essential and Premium plans offered by FAHW offer great value, we appreciate that homeowners who don’t want to upgrade to a more expensive plan just to cover all the basics can choose the $47 Starter plan from First American Home Warranty.

This company’s strong reputation dating back to 1984 also gives us confidence. First American’s “Great” rating on Trustpilot based on 11,000 reviews seals the deal with some real-world input from actual customers. This only adds to the peace of mind of working with a company that’s been in the home warranty business for four decades.

3. Best Comprehensive Coverage: American Home Shield (AHS)

A leading home warranty company since 1971, Memphis-based American Home Shield has spent 50 years creating plans that keep up with the changing needs of homeowners. The standout feature of AHS is its comprehensive plan coverage, protecting nearly all home systems and appliances at their middle- and top-tiers.
Customers can choose the SilverShield, ShieldGold, or ShieldPlatium plans when signing up. While the big draw of AHS is that they cover 23 major home systems and appliances, customers do pay slightly higher premiums at AHS compared to other companies.

American Home Shield Overview:

  • Coverage includes heating, air conditioning, electrical, plumbing, kitchen and laundry appliances, and roof leaks
  • Service fees per call start at $75
  • $6,000 maximum for appliances
  • No coverage limit for major home systems
  • Price tiers for plans are $29.99, $49.99, and $69.99
  • “B” rating with the Better Business Bureau (BBB) with thousands of four-star and five-star reviews
  • Add-on coverage available for pool and spa equipment, home electronics, septic pumps, and well pumps
  • No maintenance records required for covered items
  • Authorization can take anywhere from 15 minutes for smaller jobs to 72 hours for larger jobs
  • More than 2 million households already trust American Home Shield
  • Network of 14,000 contractors
  • Based in Memphis, Tennessee

Why We Chose American Home Shield

AHS comes close to the top of the list with help from its three plan tiers that allow homeowners to pick and choose coverage based on their priorities. While we wish AHS offered an introductory plan with appliance-only coverage, the comprehensiveness of the middle and top tiers make up for that.
AHS’s good reputation, lightning-fast claims responses, and cap-free systems coverage also help this Virginia home warranty option stand out against competitors that might offer slightly cheaper plans.

4. Best for Free Roof Leak Coverage: Select Home Warranty (SHW)

If you’ve been looking for a Virginia home warranty company that offers roof leak coverage that doesn’t cost a fortune, Select Home Warranty deserves a look. We like that you don’t even have to upgrade to get this perk. The Bronze Care, Gold Care, and Platinum Care plans all include roof coverage.

Select Home Warranty (SHW) Overview:

  • Customers choose between Bronze Care, Gold Care, and Platinum Care
  • Packages go from $52.50 to $56.25 per month
  • $500 cap for appliances
  • $3,000 caps for HVAC and air conditioning coverage
  • 90-day workmanship warranty
  • 12-hour turnaround time on claims submissions
  • Service fees range from $75 to $100
  • Plans are discounted when you sign up for multi-year membership
  • Founded in 2012
  • “B” rating from the BBB
  • Based in Mahwah, New Jersey

Why We Chose Select Home Warranty

The quick turnaround times really won us over. Customers can usually expect claims to be serviced within 48 hours. Of course, the free roof coverage creates built-in value.

5. Highly Rated in the Industry: Choice Home Warranty (CHW)

Choice Home Warranty is the darling of the consumer review industry. In recent years, it has been named a top pick in home warranties by U.S. News and World Report, Today’s Homeowner, and While we don’t consider this to be the best home warranty in Virginia, it does rank within our top five. We also recently named it our #3 pick for the best home warranty in California. When shopping for a home warranty in Virginia from CHW, homeowners can pick between the Basic Plan and Total Plan.

Choice Home Warranty Overview

  • Monthly pricing ranges from $46.67 to $55
  • Flat $85 dollar service fee
  • 60-day guarantee for workmanship
  • 90-day guarantee for parts
  • “C” rating with the BBB
  • Network of 25,000 contractors
  • Founded in 2009
  • Based in Edison, New Jersey

Why We Chose Choice Home Warranty

Choice has a solid business reputation. This company also offers some of the lowest monthly rates for getting a home warranty in Virginia. We also liked that most customers get responses just four hours after filing claims.

What Is a Home Warranty Company?

A home warranty shouldn’t be confused with home insurance. The purpose of a home warranty policy is to protect a home’s major systems and appliances. While plans generally cover items inside a home, some plans or add-on options will provide coverage for roofs, well parts, and pools. Companies that offer home warranties typically use a network of licensed contractors to deploy qualified technicians to your home as soon as possible. With help from exclusive contracts, these companies can generally get a contractor to your home faster than you could on your own. A home warranty company handles all scheduling and billing with contractors on your behalf. They’ll also pay your contractor for services, parts, repairs, or replacements.

While each home warranty company handles coverage a little differently, the business model typically looks like this:

  • Customers select a plan from a list consisting of two to three options with different price ranges
  • Customers can also select add-on options for roofing, septic, garage doors, spas, pools, secondary appliances, pest control, and dozens of other home components
  • Customers pay a monthly premium
  • Customers place service calls by phone or online when a system or appliance in their home breaks down
  • When a service call is placed, a service fee is collected to act as a deductible for the covered work that will be done
  • A contractor comes to your home to diagnose the issue
  • Once approval is given from the home warranty company, the contractor will return to complete the work
  • The home warranty company pays the contractor

How Home Warranty Companies Determine Price

Generally, low-tier plans will cover either home appliances or home systems. As you move up in price, you’ll see plans that cover both.
What are the Monthly Prices for Basic Home Warranty Plans?
The table below breaks down the monthly price of each of our top picks’ lowest–tier plans.

Home Warranty Company Basic Tier Plan Monthly Cost
American Home Warranty $29.99
Choice Home Warranty $46.67
First American Home Warranty $47
Select Home Warranty $52.50
Liberty Home Guard $58.33

How to Choose the Best Virginia Home Warranty Company

You really have to dig into each policy to make sure that the items that are important to you are covered. In addition to paying attention to monthly premiums, you should also look at service fees to determine how costs truly break down once you begin to actually use your home warranty policy.

Price is just one component of finding the best policy.

Carefully read all of the covered items under appliances and home systems. You should also look at coverage caps for both repairs and replacements. A plan with an appliance cap that totals several thousand dollars will more than pay for itself with just one claim. It’s also important to take a long look at exclusions to ensure that the issues you’re worried about in your home are covered. Finally, examine add-on features to find the plan that lets you build what can feel like a custom coverage plan by paying just a few dollars more per month to get coverage for specialty or high-end features at your home.

Do I Need a Home Warranty Plan?

Unlike a homeowner insurance policy that might be mandated by your mortgage company, a home warranty policy in Virginia is 100% optional. Consider a home warranty plan if you’re worried about being able to afford unexpected repairs for your kitchen appliances, laundry room appliances, heating, plumbing, electrical, or other home system.

How We Chose the Best Home Warranty Companies in Virginia

In order to narrow down the best home warranty companies in Virginia, we evaluated several major companies that are legally licensed to offer warranties in the state. We then used the following metrics to determine the best in each category:

  • Pricing
  • Coverage robustness
  • Customer service
  • Ratings from BBB and other reputable sources
  • Customer reviews
  • Years in business

Frequently Asked Questions

1. How much does a home warranty cost in Virginia?

Monthly rates vary by home warranty company. However, plan rates range from $30 to $75 from major home warranty companies in Virginia. Keep in mind that customers also pay service calls for all visits.

2. Is home warranty required in VA?

Home warranties are not required in Virginia. In fact, no state requires home warranties by law. This is considered an optional consumer product.

3. What is the cheapest home warranty plan in Virginia?

With a basic plan starting at just $30 per month, Cinch Home Warranty offers the cheapest home warranty in Virginia. However, cost isn’t the same as value in the home warranty industry because companies generally base rates on the robustness of the services covered.

4. Does Choice Home Warranty cover Virginia?

Yes, Choice Home Warranty offers coverage plans for properties in Virginia. Choice actually offers policies everywhere other than Washington.

5. Is 2-10 home warranty legit?

Yes, Colorado-based 2-10 HBW is a legitimate company that has been in business for 40 years. While 2-10 has a solid reputation for paying out claims, recent concerns about long hold times and poor communication from customer service prevented this company from making our list of the best Virginia home warranty companies.

6. Does VA require a 10-year warranty?

In Virginia, foundations of new homes are under warranty for two years. Builder material and workmanship warranties last one year. However, many builders provide supplemental 10-year new-build warranties.

7. According to Consumer Reports, what are the best Virginia home warranty companies?

Consumer Reports does not review home warranty companies. However, U.S. News and World Report names Choice Home Warranty, Liberty Home Guard, and American Home Shield as it top three home warranty companies.

8. What home warranty company in Virginia has the best BBB rating?

Liberty Home Guard stands at the top with an “A” score from the BBB.

9. Can you transfer a home warranty?

Yes, all major home warranty companies generally allow customers to transfer policies. This means that a policy can stay with your home if you sell it. In fact, your real estate agent will use the fact that your home comes with a home warranty policy as a selling point.

10. What is a waiting period on a home warranty policy?

Most home warranty policies have a 30-day waiting period that prevents you from filing a claim until you’ve held the policy for a minimum of 30 days. The purpose of the 30-day waiting period on home warranty policies is to ensure that a homeowner isn’t rushing to get a pre-existing breakdown covered.

Liberty Home Guard Pros and Cons


  • Rare “A” rating from the BBB
  • Low complaint level online
  • Tons of positive customer reviews
  • Live chat available
  • Robust coverage that includes roof leaks and pest damage
  • Tons of custom add-on options
  • 60-day workmanship guarantee


  • Higher premiums
  • Rigorous policy on pre-existing conditions
  • This is a newer company that lacks the track record of competitors

American Home Shield Pros and Cons


  • In business for 50 years
  • Extremely comprehensive coverage for electrical, plumbing, and appliances
  • Highest tier covers 23 systems and appliances in total
  • Generous $6,000 max for appliances
  • No coverage limits for covered major home systems
  • Age, maintenance history, and unknown pre-existing conditions don’t matter
  • Low service fees compared to competitors
  • Fast turnaround times on claims
  • Decent consumer ratings and BBB score


  • Lack of appliance-only tier forces most people into a higher price
  • 30-day workmanship guarantee is short for the industry
  • Lower-than-expected Trustpilot rating based on the number of four-star and five-star ratings

First American Home Warranty Pros and Cons


  • In business for 40 years
  • 24/7 claims availability that includes weekends and holidays
  • It’s free to cancel within the first 30 days if you change your mind
  • Basic starter plan covers a decent number of appliances and systems
  • Robust add-on options
  • Coverage caps are generous at even the cheapest tier
  • Decent BBB rating


  • Lacks a systems-only plan
  • Coverage for roof leaks is very slim

Select Home Warranty Pros and Cons


  • Lets customers save by signing up for multi-year plans
  • Offers a low-cost premium plan for appliances and home systems compared to competitors
  • High coverage limits for HVAC and air conditioning
  • Strong customer service
  • Recently went from a “C” to a “B” rating with the BBB
  • 90-day repair guarantee


  • $500 cap for appliances
  • Lots of exclusions
  • High denial rates for everything from pre-existing conditions to owner maintenance habits
  • Claims are scrutinized heavily before acceptance

Choice Home Warranty Pros and Cons


  • Has earned accolades from publications and review sites
  • Most customers get claims responses in four hours


  • Limited add-on coverage
  • “C” Rating with the BBB
  • Subject of a 2019 lawsuit by the Arizona Attorney General’s Office regarding inaccurate claims made to customers

Home Warranty Companies Rating Criteria:

Criteria Description Total Possible Points
BBB Rating A+ = 10, A = 9, A- = 8, B+ = 7, B = 6, B- = 5, C = 4, D = 3, E = 2, F = 1, No industry license = 0 1-10
Customer Reviews Average weighted rating across multiple sources, including BBB, Best Company, U.S. News 360 Reviews, Consumer Affairs, Google Reviews, TrustPilot, Investopedia, and MarketWatch. 1-10
Lawsuits and Complaints Complaints and lawsuits, resolution, responsiveness, and client-to-complaint ratio. 1-10
Cost Based on Total Cost, Monthly and Service Fees 1-10
Coverage Points for covering all major home systems, appliance components, and pre-existing conditions. 1-10
Claims Processing Ease of filing claims and efficient claims processing. 1-10
Customer Support Availability of 24/7 support, response time, and friendliness of customer service. 1-10
Extra Features Points for high-quality add-on coverage options. 1-10
Reviewer Opinion Includes the reviewer’s opinion, taking into account time in business, overall customer reviews, financial stability and transparency (as highlighted below) 1-20
Financial Stability A financially stable company is more likely to honor its commitments.
Transparency Is the company transparent about its terms and conditions? (online, through sales and contracts)


Rating Breakdown for Liberty Home Guard: 9.4

BBB Rating 9
Customer Reviews 9
Lawsuits and Complaints 8
Cost 8
Coverage 10
Claims Processing Efficiency 10
Customer Support 10
Extra Features 10
Reviewer Opinion 20
Total Points 94


Rating Breakdown for First American Home Warranty: 8.5

BBB Rating 6
Customer Reviews 8
Lawsuits and Complaints 7
Cost 8
Coverage 10
Claims Processing Efficiency 10
Customer Support 10
Extra Features 9
Reviewer Opinion 17
Total Points 85


Rating Breakdown for American Home Shield: 8.4

BBB Rating 6
Customer Reviews 8
Lawsuits and Complaints 7
Cost 7
Coverage 10
Claims Processing Efficiency 10
Customer Support 10
Extra Features 10
Reviewer Opinion 16
Total Points 84


Rating Breakdown for Select Home Warranty: 8.1

BBB Rating 6
Customer Reviews 8
Lawsuits and Complaints 5
Cost 10
Coverage 10
Claims Processing Efficiency 10
Customer Support 10
Extra Features 10
Reviewer Opinion 12
Total Points 8.1


Rating Breakdown for Choice Home Warranty: 7.9

BBB Rating 4
Customer Reviews 9
Lawsuits and Complaints 3
Cost 9
Coverage 10
Claims Processing Efficiency 10
Customer Support 10
Extra Features 9
Reviewer Opinion 15
Total Points 79