Home Warranty

7 best home warranty companies in Burke, Virginia

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Burke. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Consider a home warranty to financially protect your home's essential items. These policies cover the repair or replacement of major household systems and appliances, such as air conditioners and refrigerators, for a monthly fee.

Many crucial home components start having issues before hitting the 10 to 15-year mark, according to the International Association of Certified Home Inspectors. HVAC systems typically malfunction after just seven to 25 years. Water heaters normally last six to 12 years, and most appliances today stop working after about 20 years.

If your Burke home has a dishwasher, furnace or any other everyday appliance within that age range, you will likely experience an untimely breakdown. The top three home warranty companies listed below offer generous coverage at affordable rates.

Appliance failures due to normal wear and tear aren't covered under homeowners insurance, so having a home warranty can give you an additional cushion against the unexpected. We've done the research to find what home warranty firms have the best major appliance and system coverage.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Burke

Here's our list of the best home warranty companies in Burke:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees if your covered item can't be fixed or replaced.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American provides generous appliance coverage maximums in every plan. If you add the First American Advantage upgrade, miscellaneous items like appliance knobs and dials could also get protection.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch Home Services provides coverage perks other companies don’t, such as a homeowners insurance deductible reimbursement. Like most home warranty companies, Cinch offers flexible service fees that raise or lower your plan premium.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Burke

The cost of a home warranty is around the same as the national average, and it heavily relies on how frequently you prefer to make payments. The national average is around $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

With a home warranty, you'll have extra coverage for home appliances and major systems. However, it's not a substitute for homeowners insurance, and there are some exclusions to coverage. Below, we'll discuss what's generally covered and what's not.

What are the typical items covered under a home warranty?

Clothes dryers
Built-in microwaves
Washing machines
Dishwashers
Refrigerators
Cooktops

The first category of items home warranties cover is kitchen and living appliances. This category includes the following: The second category of covered items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

Water heater
Central vacuum
Electrical
Plumbing
HVAC

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, or things it will not cover. Your contract will clearly specify each exclusion, so read carefully before you sign. One thing that home warranties exclude is damage outside normal wear and tear. For example, the warranty company could reject a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is considered routine upkeep. Home warranties also don't cover rust or corrosion damage, hazardous waste, cosmetic damage, improper system or appliance installation, preexisting conditions and acts of nature.

Questions to ask home warranty providers in Burke

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items does my policy cover?

Before asking a home warranty provider for a quote, write down the specific systems and appliances that you need covered. Then, confirm the company has plans meeting your needs. Some providers separate appliance and system coverage into different plans. Most home warranty companies also sell optional add-ons for things like swimming pools and spas. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

Generally, a home warranty plan lasts for 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies require a 30-day waiting period to prevent customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty companies will let you select your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Burke to get repair approval from the home warranty provider. You can verify a contractor's license by searching the Virginia Department of Professional and Occupational Regulation database.

How does your claims approval process work?

Each company's claims process is slightly different from the others. If a covered issue strikes, you could file a claim via their website or over the phone. Most companies try to respond to claims within 24 to 48 hours, though there might be processing delays when filing outside normal working hours. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will arrange a visit to diagnose the problem, and then get final approval from the warranty company for any required repair work.

Can I transfer my policy to the next owner of my home?

Most home warranty providers allow you to transfer your policy to a new person who moves into the home the policy covers. Generally, transferring a home warranty policy to a new homeowner is complimentary, although some companies charge a transfer fee to offset administrative costs. Sellers can also purchase special home warranty plans that are easily transferred to prospective buyers. This is an easy way to make your home more attractive to your home in a competitive real estate market and provide the buyer added confidence.

Home warranty contract fine print

Before purchasing a home warranty, research the company's sample contracts and policies. Understanding a provider's terms and conditions can help you decide whether they're a good fit for you. It'll also help you be a better advocate for yourself if you need to file a claim. Look for these key stipulations and clauses:

Coverage limit: Your home warranty's coverage limit is the limit on how much the company will pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Cancellation: Companies commonly detail how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Workmanship guarantee: Home warranties usually include workmanship guarantees that are at least 30 days long. If an in-network technician attempted to repair your appliance or system, and you continue to experience issues with it, the company won't charge an additional service call fee for new repairs.
Exclusions: Pay particular attention to the exclusions a warranty company lists in its fine print. For example, most home warranty sample contracts specify component exclusions for each item under coverage.
Service call fee: Each time you file a claim, the home warranty or repair company will charge a service call fee. These fees typically range between $75 and $125.

Facts about Burke

Average High in July

86°F

Burke

83°F

National Average

Average Low in January

26°F

Burke

17°F

National Average

Average Daily Sunlight

64%

Burke

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Burke, Virginia

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