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Find the Best Home Warranty Companies in Richmond, VA

Homeowners in Richmond purchase home warranties to help them afford unexpected home repairs. The Richmond Times-Dispatch has partnered with ConsumerAffairs to create this guide by comparing the local availability and number of positive reviews of 15 businesses and choosing seven favorites from the top home warranty companies in Richmond.

Companies pay ConsumerAffairs to be authorized, and the Richmond Times-Dispatch and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Home warranty coverage in Richmond

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Richmond homeowners can benefit from a home warranty in a number of ways. Many people buy home warranties to protect themselves from large repair bills. For example, if you have a warranty and your furnace breaks down in the middle of January, you can avoid a significant expense right after the holidays. Instead, all you have to do is pay a small service fee to get it fixed. Conversely, for home sellers in Richmond, a home warranty is often a way to help sweeten the deal for buyers and get top dollar.

A home warranty helps cover the cost of repairing or replacing home systems, like your heating, cooling, plumbing and electrical systems, as well as major household appliances, like your refrigerator and dishwasher. If something breaks, the policyholder files a claim and a service technician assesses the issue. The warranty holder pays a service fee for the visit, but the warranty company covers the rest. Most warranty holders prefer to pay a monthly premium rather than pay for costly repairs out of pocket.

How to get a home warranty in Richmond

When buying a home warranty, take the following steps to make sure you choose the right one:

  • Determine your coverage needs. How old are your appliances? Do they still have manufacturers’ warranties? Which appliances or home systems would be expensive to replace? What condition are your home systems in? How old is each system? Use your answers to determine what type of plan and how much coverage you need.
  • Research several companies. Before choosing a Richmond home warranty plan, ask your friends and family for recommendations, and read online customer reviews to find the right home warranty company for you. Get quotes from multiple warranty providers and compare the plans they offer. Find out how much they charge for service fees. Also, determine what their plans cover and what they don’t. Do they cover the entire appliance/system or only certain parts?
  • Check coverage limits. Some warranties have coverage limits on appliances, systems or both, while other warranties have a single maximum coverage limit for the entire plan. Look up coverage limits for each system and appliance in the contract. Make a note of these maximums, because you’re responsible for any expenses exceeding them.

Most home warranties in Richmond are one-year contracts with a 30-day waiting period before coverage starts.

Richmond home warranty costs

Richmond home warranties cost between $37 and $57 a month on average or about $565 annually. Comprehensive home warranties that cover both home systems and major appliances cost more than plans that only cover either. If you’re looking for a plan that costs a little less, consider a higher service fee, too.

Service fees are a separate cost that ranges from $60 to $150 per visit. Any time you file a claim to have a technician come to your house, you must pay a service fee.

We asked for quotes from America's 1st Choice Home Club, HMS Home Warranty and American Home Shield to see how much they charge for a plan that covers systems and appliances in Richmond at the time of publishing. Your exact quote might vary.

  • America's 1st Choice Home Club: The AFC Home Club Platinum Plan costs $47.92 a month in Richmond, with a $100 service fee.
  • HMS Home Warranty: The HMS Base Plan costs $45.75 a month in Richmond, with a $100 service fee.
  • American Home Shield: The American Home Shield Combo Plan costs $49.99 a month in Richmond, with a $100 service fee.

Richmond home warranty FAQ

What is a home warranty?

A home warranty is a service contract that covers the cost to repair or replace household systems and appliances like ovens, refrigerators, plumbing and air conditioners. You can choose a plan that covers either home systems or appliances, or you can select a plan that covers both. Coverage, monthly premiums and service fees vary by company. Most warranties have the option to add additional coverage for items like pools or septic systems, too.

Do I need a home warranty in Richmond?

It’s not necessary, but many Richmond homeowners can benefit from a home warranty, especially if they’re living in a historic neighborhood like Union Hill or Monument Avenue. Appliances and household systems stop working for all kinds of reasons. Sometimes it’s an easy, inexpensive fix, and sometimes the furnace goes out in the middle of winter, forcing you to pay out thousands on the spot. A home warranty helps you avoid these costs, which means your warranty becomes more valuable the more problems you encounter.

How does a home warranty work?

The process is simple. First, you find a home warranty company with a plan you like, sign the contract and pay the monthly premium. If a home system or major appliance covered by the warranty breaks, file a claim. The company dispatches a service provider to your house to diagnose the problem and make the necessary repairs or replacements. You pay the technician a service fee, and the warranty company takes care of the remaining balance.

What is the difference between a home warranty and homeowners insurance?

A home warranty pays for repairing and replacing a home's appliances and systems when they break down. Conversely, homeowners insurance covers damage to your home and belongings from wind, hail, certain natural disasters, theft or vandalism. Home insurance also covers your legal liability in many cases.

What does a home warranty cover?

A combination home warranty covers home systems, including heating, cooling, plumbing and electrical systems, as well as major household appliances, like refrigerators, stoves and dishwashers. However, the appliances and systems a warranty covers vary by company and by plan. For instance, some warranties cover washers and dryers, and others consider washers and dryers an add-on coverage. Generally, though, add-on coverage options include pools and spas, septic systems, and secondary appliances.

Richmond home warranty company information

American Home Shield

American Home Shield has four home warranty plans with options for home systems, major appliances, both appliances and systems, and building your own plan. System plans and appliance plans both start at $34.99 per month with service fee options of $75, $100 and $125. There is a $3,000 coverage limit per appliance. Richmond homeowners can add coverage for guest units, electronics, pools and spas, well pumps and septic pumps. American Home Shield has a 30-day workmanship guarantee.

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Select Home Warranty

Select Home Warranty offers three warranty options in Richmond. A combo plan in Richmond costs $63 a month, with service fees of either $60 or $75. The company offers discounts on multiyear warranties and annual plans paid in full. Add-on coverage for Richmond homeowners includes sprinkler systems, well pumps and pools. HVAC systems have a $2,000 coverage limit.

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America's 1st Choice Home Club

America's 1st Choice Home Club provides four home warranty plan options, including a systems plan, an appliance plan and two comprehensive plans that cover both. Comprehensive plans start at $41.67 a month in Richmond. Service fees are either $75, $100 or $125. Homeowners can choose their service technician, and parts and labor are guaranteed for the entire contract term. Optional coverage is available for tankless water heaters, spas and pools, and septic systems. Multiyear plans are available, too.

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Cinch Home Services

Cinch Home Services offers three plan options: one for major appliances, one for home systems and a combo option covering both. Monthly combo plans start at $44.99 a month in Richmond. Service and repairs have a 180-day guarantee, and service fee choices are $100, $125 or $150. Optional coverage add-ons for Richmond homeowners include spas, septic tanks, well pumps and pools.

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HMS Home Warranty

HMS Home Warranty offers two comprehensive home warranty plans covering major appliances and home systems for homebuyers and sellers. Monthly plans in Richmond start at $37.42 a month. Deductibles are either $100 or $200. Warranties for Richmond homebuyers include an emergency lodging reimbursement of up to $1,200 if their HVAC system is nonoperational for more than 24 hours after making a service call. Lodging reimbursement also applies to waterline breaks not fixed within 24 hours. Multiyear warranty plans are available at a discount, and there is no waiting period for home seller warranties.

HMS Home Warranty


HomeServe has 19 warranty plans covering home systems and major appliances. It offers one appliance plan, one combo plan and a number of systems plans. Coverage levels range from parts only to multiple household systems, with no service fees. Heating and cooling plans start at $19.99 a month, the appliance plan is $48.33 a month, and combo plans are $58.33 a month. Nearly all repairs have a one-year guarantee.


2-10 Home Buyers Warranty

2-10 Home Buyers Warranty offers coverage on major household appliances and home systems. Richmond home warranty plans start at $33.25 a month with an $85 service fee, but the combo plan is $49.92 a month. Each warranty has a total coverage limit of $25,000. Add-on coverage options for Richmond homeowners include additional refrigerators and freezers, roof leaks, pools and spas, and septic systems.

2-10 Home Buyers Warranty