Home Warranty Companies in Virginia
2026 State Guide
Our data lists 11 of the 15 companies we track as serving Virginia. AFC Home Club ranks first among them at 8.2 out of 10. Virginia has a humid climate with hot summers and moderately cold winters; statewide averages run from about 35 F in January to about 75 F in July.
Companies Available
11
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Virginia Department of Agriculture and Consumer Services
Home-specific rules
Virginia State Snapshot
Housing units
3,717,677
Owner-occupied rate
67.2% (US 65%)
Median home value
$360,700
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
11 of 15 tracked
Regulatory body
Virginia Department of Agriculture and Consumer Services
67.2% of Virginia homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $360,700, 19% higher than the national median of $303,400.
Source: Census Bureau QuickFacts for Virginia. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Virginia's largest city, Virginia Beach, 65.1% of homes are owner-occupied and the median owner-occupied home is worth $382,500.
Source: Census Bureau QuickFacts for Virginia Beach, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Virginia's climate puts both heating and cooling under strain, in our reading
Virginia has a humid climate with hot summers and moderately cold winters; statewide averages run from about 35 F in January to about 75 F in July. Summer average temperature has been the warmest on record since 2005, and the state has warmed by more than 1.5 degrees F since the early 1900s. Annual precipitation is under 40 inches in parts of the central mountains and around 50 inches on the tidewater coast, and extreme heat and extreme precipitation events are projected to increase.
Both systems get real use here, so look for a plan that covers heating and cooling and compare its cap with your own replacement quote.
Source: NOAA NCEI State Climate Summary for Virginia (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Virginia estimate. 11 of 15 tracked companies serve Virginia in our data; "Likely" and "Check" rows are not verified for Virginia.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | VA |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Virginia
Highest overall score among companies that serve Virginia, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Virginia
Check availability: Old Republic Home Protection, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Virginia. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Virginia Regulates Home Warranties
Regulator
Virginia Department of Agriculture and Consumer Services (Commissioner of Agriculture and Consumer Services); Attorney General for consumer complaints
Legal framework
Home Service Contract Providers (Va. Code 59.1-434.1 and following)
Virginia regulates home service contract providers under Chapter 33.1 of Title 59.1 of the Code (sections 59.1-434.1 and following), which is administered by the Commissioner of Agriculture and Consumer Services, not the Bureau of Insurance. Providers register with the Commissioner (section 59.1-434.2). The Code defines a home service contract as a contract for a separately stated price, for any duration, to perform the service, repair, replacement or maintenance of property, or to indemnify the cost of it, after an operational failure from a defect in materials or workmanship, an inherent defect or normal wear and tear. Section 59.1-434.7 says home service contracts are not contracts of insurance and are not regulated under Title 38.2, and a provider with a net worth above $100 million is exempt from the chapter. Title 38.2, Chapter 26 keeps a separate framework for home protection insurance contracts.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
Checked against the official sources listed below. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Va. Code 59.1-434.1: definitions (home service contract, provider)
- Va. Code 59.1-434.2: registration; fees
- Va. Code 59.1-434.7: Home service contracts not insurance; exemptions
- Va. Code 38.2-2601: Home protection company definitions and exclusions
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Virginia Homeowners
Check the company's registration or license
Our sources show rules in Virginia that name home warranties, home service contracts or residential contracts. Ask the Virginia Department of Agriculture and Consumer Services whether the company you are considering is registered or licensed before you pay.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Know the renewal rule
Virginia Code section 59.1-207.46 requires an automatic renewal offer to be presented clearly before you are bound, requires your consent before you are charged, and requires a renewal notice that states the cancellation deadline and method. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for Virginia. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Virginia
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Virginia's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Virginia Attorney General: file a complaint
The Consumer Protection Section handles goods and services meant for personal, family or home use. It does not handle transactions between private individuals or products for business use, and a printed form must be signed or it is returned.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Virginia
Which home warranty companies serve Virginia?
What is the best home warranty company in Virginia?
Which home warranty plan has the highest HVAC coverage in Virginia?
How much does a home warranty cost in Virginia?
How does Virginia's climate affect which plan to buy?
Where do I file a home warranty complaint in Virginia?
How are home warranties regulated in Virginia?
Neighboring States
Compare All Virginia-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Virginia, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.