Home Warranty

7 best home warranty companies in Springfield, 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 Springfield. 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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You might be considering a home warranty to protect essential home systems and appliances. For a monthly fee, these policies cover repair and replacement costs when items such as AC units and refrigerators break down from normal wear and tear.

Did you know that the typical life span of an HVAC system is seven to 25 years? Other major systems, such as water heaters, only last an average of six to 12 years. Most appliances last just 20 years or fewer, according to the International Association of Certified Home Inspectors.

If your Springfield house contains any aging dishwashers, furnaces or other appliances, you'll likely face a surprise breakdown. These top home warranty providers offer robust coverage at reasonable prices.

A standard homeowners insurance policy doesn't cover normal appliance wear and tear. With a plan from one of these home warranty providers, you'll have additional reassurance in case of an unforeseen failure.

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 Springfield

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

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 has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your 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

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

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 Springfield

The average cost of a home warranty in Springfield is on par with the national average, ranging from $40.91 to $77.05 per month. If you prefer to pay an annual premium, expect to pay between $563.62 and $927.43 per year. To calculate national averages, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties cover various home appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll discuss what's generally covered in a home warranty and what isn't.

What are the typical items covered under a home warranty?

Clothes dryers
Refrigerators
Dishwashers
Washing machines
Built-in microwaves
Cooktops

Major appliances form the first category of items that home warranties provide coverage for. This includes the following items: 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:

Plumbing
HVAC
Electrical
Central vacuum
Water heater

What items are typically not covered under a home warranty?

Home warranties, like most service contracts, include certain limitations. Generally, home warranties won't cover item breakdowns caused by damage outside normal wear and tear. For example, if your air conditioner stops working due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance. Home warranties also don't cover hazardous waste, acts of nature, improper system or appliance installation, cosmetic damage, preexisting conditions and rust or corrosion damage.

Questions to ask home warranty providers in Springfield

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items does my policy cover?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can find a company that includes them. Some companies separate appliance and system coverage. Many companies also sell optional add-ons, covering things like wells and roof leaks. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

Standard home warranty contracts last for 12 months from the coverage effective date, which is usually 30 days after the initial sign-up date. Companies include this 30-day waiting period to prevent customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If there are no in-network contractors near you, the warranty company may let you choose your own. 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?

Knowing more about the home warranty company's claims process boosts your chances of getting a claim approved. Most companies accept claims online or via a 24/7 phone line. Once you file, the company will aim to reply within one to two days. Filing outside normal business hours may lead to a slower process. Once you submit your claim, the warranty company will review it and connect you to an in-network service contractor. The contractor will set up an appointment to diagnose the problem, and then seek final authorization from the warranty company for any necessary repairs.

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 free of charge, although some companies levy a transfer fee to offset administrative costs. Home warranty companies may also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers might opt for these plans to enhance their home's appeal in a competitive market.

Home warranty contract fine print

Before settling on a home warranty, we strongly recommend reading a sample contract. Learning more about the company's terms and conditions will help you determine the best fit. It'll also help you advocate for yourself if you need to file a claim. Look for these key terms and clauses in your research:

Cancellation: A home warranty contract should include information on how to cancel your policy and get a refund. If you cancel within the first 30 days of signup, many companies will offer a complete refund of your annual premium.
Coverage limit: The coverage limit sets the maximum dollar amount for how much the home warranty company will pay per repair. There may be additional stipulations, such as an annual coverage limit.
Exclusions: Pay special attention to the exclusions a company lists in its fine print. For example, most home warranty sample contracts detail component exclusions for every item covered.
Service call fee: Each time you file a claim, the home warranty or repair company will assess a service call fee. These fees usually run from $75 to $125.
Workmanship guarantee: Workmanship guarantees help protect you from additional service call fees if an in-network technician unsuccessfully tried to fix a covered issue. Most guarantees are 30 days long, but some companies offer longer periods.

Facts about Springfield

Average High in July

86°F

Springfield

83°F

National Average

Average Low in January

26°F

Springfield

17°F

National Average

Average Daily Sunlight

64%

Springfield

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 Springfield, Virginia

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