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Audited & Verified: Jul 31, 2025, 9:07pm
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| Staff EditorIt isn’t simple to choose a home warranty in Virginia. After all, there are several great options to choose from, and many homeowners have never opted for a home warranty before. Luckily, you’ll just need to look into a few important factors to help figure out which company is right for you. These include budget, the plan you choose and what it covers and how past customers feel about the company. In Virginia, you’ll also probably want to look for a company that protects your HVAC system and includes coverage against rust and corrosion if you live on the coast.
We’ve kept all of these factors in mind and more to help come up with a list of the top home warranty companies in Virginia. Our team looked into 19 home warranty companies, received real quotes and observed how they stacked up against over 100 data points to get the final list.
The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use data and expert advice to inform all of our content. Plus, our advisory board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. Our ratings for home warranties consider factors that include pricing, coverage options, nationwide availability, quote process, customer sentiment and more. All ratings are determined solely by our editorial team in line with our strict editorial guidelines.
Learn More: How We Score Home Warranty Companies
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
To help you find the best home warranty companies for you in Virginia, our editorial team scored a plethora of providers against numerous data points like monthly premiums, plan specs, consumer sentiments and more.
| COMPANY | OUR RATING | BEST FOR | MONTHLY FEE | CHOICE OF TECHNICIAN | LEARN MORE |
|---|---|---|---|---|---|
 4.7    | Best Overall | $32.00 - $72.00+ | Yes | Read Forbes' Review | |
| 4.5 | Best Service Response Times | $46.08 - $59.92+ | No | On HWA's Website | |
| 4.5 | Best Cost and Plan Options | $49.99 - $59.92+ | Yes | On Liberty Home Guard's Website | |
| 4.4 | Best for Unique Home Features | $29.99 - $79.99+ | Yes | On American Home Shield's Website | |
| 4.3 | Best Value | $39.99 - $74.99+ | Yes | Read Forbes' Review |
Best Overall
Best Overall
2-10 Home Buyers Warranty
As a home warranty provider, 2-10 Home Buyers Warranty is one to look out for in Virginia, especially in recent years and offers comprehensive coverage for Virginia residents. This provider aids homebuyers, builders and sellers at as low as $32 monthly for the most basic plan. Whether you’re looking for plans specific to kitchen appliance coverage or a broader home warranty plan, 2-10 is a strong option to consider.
Learn more: 2-10 Home Buyers Warranty review
We like 2-10 Home Buyers Warranty for a few reasons. The provider is one of the most affordable in Virginia, with a plan starting at $32, and an option to adjust your premium pricing based on your service fee level. We also like that the company has policies that cater to home sellers, offering specific protections during the listing period, as well as those designed for home builders.
Why We Like It
2-10 Home Buyers Warranty offers customers the opportunity to choose which aspects of a home warranty they care about. Want a low premium? You can opt for a higher service fee. Really want protections for your kitchen appliances? 2-10 has a plan for that. We also noted some of the more niche elements of the company, such as its coverage for filters and alarm systems with its top plan.
What We Don’t Like
In Virginia, 2-10 will allow you to choose your own contractor, though you’ll need authorization in advance before you can proceed with a necessary repair. Also, the company has a fairly strict cancellation policy—if you cancel within the first 30 days, you’ll get charged $25, then the rate increases to 10% of your total plan cost after 30 days.
Who It’s Best For
2-10 will likely suit budget-managing homeowners in Virginia who want to control plan expenses and fine-tune their home warranty coverage. It could also be a strategic choice for sellers or builders wanting transitional protections.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
While some policyholders praised the provider’s simplicity, most reviews raised issues with communication lag. Typical complaints revolved around denied repairs for preexisting issues and slow technician dispatch. Generally, the sentiment leaned mixed-negative, especially around transparency and turnaround time.
From a survey of 1,800 U.S. respondents, 86% of 2-10 clients stated they would recommend the provider, and 88% rated its services as advantageous. Overall, these results show a generally positive picture of customer opinions.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Simply Kitchen | $32+ | $65 - $100 |
Complete Home | $52+ | $65 - $100 |
Pinnacle Home | $72+ | $65 - $100 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Best Service Response Times
Best Service Response Times
Home Warranty of America (HWA)
Founded in 1996, Home Warranty of America (also known as HWA) has nearly 30 years in the home warranty business. Plans start around $47 per month, with varying service fees of $75 and $100. You’ll have your choice of two plans depending on your desired level of home protection in Virginia.
Learn more: Home Warranty of America review
We appreciate that this provider has coverage for more unique home items like water softeners and situations like code violations. Both of its plans also include coverage of home systems and appliances, and don’t have age limitations on the items they cover.
Why We Like It
HWA aims for a 48-hour response time, which we always appreciate. The company also offers an add-on called GreenPlus that ensures you’ll receive an ENERGY STAR-certified appliance if equipment covered under the add-on qualifies for replacement.
What We Don’t Like
With HWA, you won’t be able to use your own contractor, as the company assigns someone from its in-network list. And if you’re looking for an appliance-only plan that covers only appliances or only systems it may not be the company for you. It’s not always a drawback for everyone, but it is worth noting.
Who It’s Best For
HWA tends to be best for those who want plans that cover both systems and appliances and have the choice to deepen coverage.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Overall, we saw mixed customer reviews for Home Warranty of America. Some issues that we tended to notice included unexpected costs, insufficient coverage and long wait times. On the plus side, customers mentioned helpful contractors and reported good customer service.
Home Warranty of America got steady marks from surveyed customers. While 15% of users reported a surprise charge, the majority still said they felt the plan offered reasonable value for what they paid. The average annual premium came in at roughly the lower $600s, and HWA scored a near-eight rating for overall satisfaction. The most common praise came from those who liked the energy-efficient focus and didn’t need coverage beyond the basics.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Select | $46.08+ | $75 - $100 |
Select Plus | $59.92+ | $75 - $100 |
Add-On Options:
Best Cost and Plan Options
Best Cost and Plan Options
Liberty Home Guard
Operating since 2017, Liberty Home Guard is a well-reviewed provider in the home warranty space. It offers three distinct plans—one for appliances, one focused on systems and one that blends both. With tiered service fees ranging from budget to premium, it’s easy to build a plan that works with your monthly budget.
Learn more: Liberty Home Guard review
Liberty Home Guard earned a spot in our lineup because it gives homeowners the choice to hire their own service provider—a feature that adds real flexibility during a repair. We also liked that it extends coverage to non-traditional properties, which isn’t something every provider includes. That level of coverage variety stood out.
Why We Like It
What we like most is how much you can add on. Liberty offers one of the most customizable lists of extras, from second refrigerators to window washing. It’s rare to find those kinds of options in a standard home warranty. Plus, Liberty lets you get in touch through multiple channels, which is helpful when something breaks and time matters.
What We Don’t Like
Liberty’s cancellation fee of fifty dollars is non-refundable, and it might feel unnecessary if you’re still mid-contract. The per-item cap on covered repairs could leave you supplementing costs if your systems are older or on the pricier side.
Who It’s Best For
Liberty is a strong pick for homeowners who want a custom-fit warranty. It’s also worth considering if you’re open to paying a bit more for maximum flexibility. Renters, landlords and manufactured home owners may find its range of support especially appealing.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
This home warranty company had generally mixed reviews from customers. As far as happy customers go, these reviews tended to mention positive experiences with customer service agents and frequent communication. In less-positive reviews, customers often mentioned a lack of transparency and hold-ups in services.
Liberty Home Guard scored well with homeowners in our survey. About 84% of customers said they were content with how their service call was handled, and 85% said they plan to renew. That kind of satisfaction points to consistent customer service and a plan structure that delivers value.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99+ | $65 - $125 |
Systems Guard | $54.99+ | $65 - $125 |
Total Home Guard | $59.99+ | $65 - $125 |
Add-On Options:
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
With an impressive legacy in the home warranty industry, American Home Shield has been a popular option since 1971. The provider boasts three individual options beginning at $29.99 and increasing $79.99 for the top-tier plan. While the base plan protects just systems, the middle-tier option combines appliance and system coverage and the top plan adds perks and higher coverage caps.
Learn more: American Home Shield review
American Home Shield lets customers select from a variety of choices, including the flexibility to choose between monthly or annual home warranty payment plans. The company stands out for its simplified system-specific offering, along with combo packages that deliver broader home coverage. Its ShieldSilver plan is one of the most competitively priced entry-level options on the market.
Why We Like It
AHS has some unique features that make it stand out in Virginia, including coverage for preexisting conditions and code violations, as well as coverage options for renters and those who live in condos and manufactured or mobile homes. The company strives to assign claims in Virginia within 24 to 48 hours and sometimes offers a video diagnosis feature for a quicker solution.
What We Don’t Like
While AHS does allow you to assign work to your preferred contractor, getting that approval can be challenging. And if you cancel after the initial 30-day window, expect an administrative fee equal to one month’s subscription cost.
Who It’s Best For
This provider (while not perfect) is an ideal choice for budgeting homeowners who are seeking strong appliance and system coverage.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Customer feedback about American Home Shield was mixed to negative in our research. Some customers appreciated the speed of service and the quality of repairs, but others expressed concerns about contractor professionalism and higher-than-expected pricing.
In our survey of 1,800 home warranty customers, American Home Shield scored well. About 83% said they would recommend AHS to friends or family, and an additional 84% felt the company’s contracts were transparent.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Add-On Options:
Best Value
Best Value
ARW Home
After getting its start in 2008, American Residential Warranty rebranded to ARW Home a few years back. ARW Home provides three plan choices that protect interesting items like electronics, water and sewer lines.
Learn more: ARW Home review
We like that ARW Home has three easy-to-understand plans, which allow Virginia homeowners to really design the coverage that makes the most sense for their needs and home. ARW also has some common items on its add-ons list, including pool coverage and protection for water and sewer lines.
Why We Like It
ARW Home provides a much higher annual limit of $5,000 instead of the $2,500 limit that is the industry standard. Throughout the year, customers can opt into discounts like one or two months free with a 12-month warranty plan. The three plan tiers offer a specialized function, like Kitchen Plus, its most basic plan, which focuses on kitchen appliances.
What We Don’t Like
Its $125 service fee is higher than many competitors on this list as well as elsewhere in the industry. Those who are putting their budget first should consider disqualifying this provider from their list of choices. Additionally, it’s worth noting that policyholders are not allowed to customize their coverage limits.
Who It’s Best For
ARW Home is a solid option for those in Virginia who want plans with comprehensive coverage and especially one focused on kitchens. We also think it could be a quality option to consider for those in older homes.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5
Customer feedback for ARW is mixed. While some homeowners said the company resolved claims quickly and that they had positive customer service experiences, others report challenges with processing claims, confusing coverage details and a lengthy and confusing cancellation process. As always, we recommend reading the fine print and clarifying terms before committing.
After we surveyed 1,800 home warranty policyholders, we found that ARW Home received high marks for satisfaction. In our survey, 93% of ARW customers said they’d recommend the service to friends or family, while 92% said they felt the plan provided solid value for the price.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | $55+ |
Platinum | $64.99+ | $55+ |
Platinum Premier | $74.99+ | $55+ |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website Compare Quotes From Top-rated Home Warranty Companies
Free, No-commitment Estimates
In a recent Forbes Home survey of 1,800 existing home warranty policyholders, 81% of Southeast residents reported spending between $801 and $900 per year on their home warranty premium, costing roughly $70 per month.
After reviewing more survey results, we found that the average home warranty costs ranged between $27 and $100, or $57 on average. To get a more accurate estimate, it’s crucial to also factor in service fees (which range from $65 to $150). You’ll pay these fees every time you need to call a technician to help with a repair. Considering that fixing a furnace could set you back between $300 and $1,200, you may spend more than you’d think, which is why having a home warranty is a good long-term investment.
Your specific home warranty cost will depend on various factors, like which provider and plan you choose within Virginia, any additions to your policy and more. For instance, because Virginia is coastal, you may be considering roof leak and corrosion services, but these features are frequently add-ons versus being folded into a plan.
| VIRGINIA HOME WARRANTY COSTS | ||
|---|---|---|
| Breakdown | Monthly Premium | Service Fees |
| Average cost | $60 | $65 - $150 |
| Cheapest quote | $27 | $65 |
| Most expensive quote | $97 | $100 |
Home warranties can be worth it in Virginia, but it depends on a few factors.
If you have a brand-new home with many items still covered under a warranty, or you’re especially handy and confident that you’ll be able to fix home problems, then a home warranty may not be worthwhile for you.
However, if you have an older home with appliances and systems that are no longer under builders’ or manufacturers’ warranties, then a home warranty can be worth the cost in the case of unexpected repairs. In this case, it’s smart to evaluate the costs of a home warranty (both premiums and service fees) with average repair costs for home items in Virginia.
If you plan to maintain other items besides the washer with a home warranty, your plan can authorize repairs for a wide array of items for one monthly fee, plus a fee for each visit that is typically much smaller than you’d pay on your own.
Although there are a handful of key central aspects that every home needs coverage for, choosing a home warranty policy is still a deeply personal choice. If you’re a homeowner in Virginia, there may also be additional considerations specific to your location—like regional weather patterns, local service availability or the age of common home systems—that can help guide your choice Taking all of this into account can help you find a home warranty policy that feels right for you and gives you the peace of mind you need.
HVAC systems (a.k.a your heating, ventilation and cooling systems) are some of the most commonly covered items in home warranty plans and for good reason. HVAC repairs are not only costly (running around $400 for an average repair), but they can make your home uncomfortable or even dangerous in some cases.
We recommend looking into home warranties that cover your HVAC system for greater peace of mind, no matter where you live.
To get the most out of a home warranty, start by identifying your personal coverage needs. Consider which home systems or appliances are likely to need attention soon (particularly those that are aging or approaching the end of their life). Take a closer look at what’s relatively new and may still be protected by a manufacturer’s warranty.
It’s also smart to reflect on which systems or repairs could be especially labor-intensive to fix, such as electrical wiring, plumbing or large appliances.
Once you’ve built a clear picture of your home’s needs, compare it against what home warranty companies cover. Matching your priorities with what different providers offer—and what fits your budget—can help ensure you choose a plan that’s truly worth the investment.
Sample contracts are often available for browsing on each home warranty company’s website, and our team suggests reviewing these so you can get a sense of what you could be getting into. You’ll learn details like terms of renewal, coverage exclusions and caps, payout limits and cancellation fees, which will guide you toward your final answer on which service is best for you.
Budget is arguably the most pivotal element of the home warranty provider research process. If you don’t have the money for a specific plan, then why consider it? To help you in the long run, we suggest comparing plans and premiums against your budgetary restrictions and eliminating any plans that don’t fit into your financial plan.
Customer reviews are an important part of determining which home warranty company is best for you in Virginia. We suggest reading through recent reviews (from the past year or so) to get the most accurate picture of things. Other tips include looking into specific keywords you’re particularly interested in (such as “washer repair” or “cancellation fee”) and seeking out reviews from other homeowners in Virginia. Referrals can also be helpful here so be sure to ask people you know in your area to see if they have a plan they’d recommend.
Home warranties are regulated in Virginia by the Virginia Department of Agriculture and Consumer Services. If you run into issues with a company, you can file any complaints there, and ask any questions you may have.
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What a home warranty will cover in Virginia will depend on the company and plan you choose, rather than your location. Some plans focus on home systems like HVAC, plumbing and electrical, others focus on appliances like stoves, fridges and ice makers and other plans combine the two for more well-rounded coverage.
Generally, a home warranty plan will cover repairs based on typical wear and tear for these appliances and systems. So, if your water heater suddenly stops working, and it’s under your plan, the repair may be covered. The best way to determine what your home warranty plan covers (and to what extent) is to check your contract and contact your chosen company with any questions.
Understanding what your home warranty doesn’t cover is arguably equally important as knowing what it does. Like we said earlier, home warranty plans can’t guarantee coverage on all repairs or replacements for systems and appliances mentioned in your plan.
One major factor is why the repair is needed. Home warranty plans generally don’t cover damage caused by external events, like when a tree falls on your home or if a coastal flood causes damage. Those kinds of situations are usually covered by homeowners insurance, not a home warranty. Likewise, if the issue stems from human error or improper use, your claim may be denied. Home warranties are intended to be used for problems that arise from normal wear and tear—not for damage caused by accidents or weather events.
Coverage limits are another important consideration. For example, if you live along the coast in Virginia and salty air has corroded parts of your home, your warranty provider may only cover a portion of the repair costs—even if corrosion coverage is included in your plan. Our team recommends reaching out to your home warranty provider about what exactly is and isn’t included in your plan.
To help get a sense of home warranty trends in Virginia and around the country, we surveyed 1,800 homeowners who have had a home warranty plan in the last 12 months. Homeowners in the Southeast gave us the following insights about how they use their plan, how they feel about home warranties overall and the companies they chose.
Best Home Warranty Companies By State
If you’re looking for a home warranty provider in other states, look no further than the list below.
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis, which includes over 146,000 first-person insights as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
Compare Quotes From Top-rated Home Warranty Companies
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Generally, home warranty plans operate by customers enrolling in a plan that covers a specific set of home systems (such as HVAC, electrical and plumbing) and/or appliances. You’ll pay a monthly premium whether you use your plan or not. If one of these items listed in your plan needs repair or replacement, you’ll pay a preset service fee to have a professional assess and fix the problem. If the issue is covered under your plan and lower than the coverage limit for that item, that may be the only cost you’ll pay for the issue.
Some plans may work slightly differently, whether you pay for a year upfront or get reimbursed for covered repairs, so we recommend reaching out to the home warranty company for a full explanation.
No, home warranty plans don’t often cover mold issues. However, keeping your HVAC systems well-maintained can help prevent mold, and these are often included in home warranty plans.
No, home warranties and home insurance plans are different. Home insurance plans are typically required to be approved for a mortgage and protect your home from damage, such as from covered natural disaster incidents or fires. Home warranties are optional and cover certain home systems and/or appliances during routine maintenance and repairs based on contract terms.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
Sami Allen is the managing editor at Forbes Home, with over seven years of experience in the home space and 10 years of editing experience.
