Home Warranty

7 best home warranty companies in Suffolk, 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 Suffolk. 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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Home warranties provide a financial buffer to fix or replace appliances that suddenly fail. For a monthly fee, these policies cover items like refrigerators and AC units when they malfunction with regular 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 Suffolk home contains aging dishwashers, furnaces or other appliances, you'll probably encounter an untimely failure. These top home warranty firms provide robust coverage at fair prices.

With the scorching Virginia summers, air conditioner breakdowns in Suffolk are that much more taxing for homeowners. A home warranty from one of the national companies below will give you an inexpensive path to the future repairs you might need.

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 Suffolk

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

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee 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

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional 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 Home Warranty has comprehensive coverage caps for appliances in each plan. Additionally, First American includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade provides coverage for miscellaneous items, such as appliance knobs and dials.

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 pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

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 Suffolk

The typical monthly cost of a home warranty in Suffolk runs from $41 to $70, in line with the national average. If you're paying on an annual basis, expect to spend anywhere from $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

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

What are the typical items covered under a home warranty?

Clothes dryers
Washing machines
Built-in microwaves
Dishwashers
Cooktops
Refrigerators

The first category of items a home warranty covers is major appliances. This includes the following: The second coverage category is major systems, which typically include the following:

Water heater
Central vacuum
Plumbing
HVAC
Electrical

What items are typically not covered under a home warranty?

Like other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. One common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, the warranty would probably not cover an air conditioner malfunctioning due to a dirty air filter, since replacing the filter is a part of routine maintenance. Additionally, home warranties won't cover preexisting conditions, acts of nature, hazardous waste, cosmetic damage, improper system or appliance installation and rust or corrosion damage.

Questions to ask home warranty providers in Suffolk

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items are covered by my policy?

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. Many companies also sell optional add-ons, covering things like lawn sprinkler systems and wells. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

Generally, a home warranty plan has a duration of 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies put in a 30-day waiting period to stop customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with 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 your area has no in-network contractors nearby, 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?

Each company's claims process will differ 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 one to two days, though there might be processing delays if you filed 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 seek final authorization from the warranty company for any required repair work.

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

If you need to move, most home warranty contracts include a clause allowing you to transfer the policy to the new homeowner. Some companies handle the transfer for free, though others will charge a transfer fee. Some home warranty companies also provide special coverage plans that are easily transferred to prospective buyers. Home sellers buy these home warranty plans to increase their home's appeal.

Home warranty contract fine print

Before you choose a home warranty, examine its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, pay attention to these key details and clauses:

Coverage limit: The coverage limit puts a monetary cap on how much the home warranty company will pay per repair. There may be additional stipulations, such as an annual coverage limit.
Exclusions: Be sure to read more about component-specific exclusions in the home warranty company's sample contracts. Some parts of equipment might be excluded even if the appliance itself is generally covered under the policy.
Service call fee: Whenever you file a claim, the warranty company or repair provider will levy a service call fee ranging from $75 to $125.
Workmanship guarantee: The workmanship guarantee is the time during which the home warranty company will not charge additional service call fees for a repair if an in-network technician has recently tried to fix the item. The industry standard is 30 days, though some companies offer longer workmanship guarantees.
Cancellation: You'll typically find the warranty company's cancellation policy within the sample contract fine print. Depending on the company, if you cancel within the first 30 days of enrollment, you might receive a full refund of the entire premium.

Facts about Suffolk

Average High in July

86°F

Suffolk

83°F

National Average

Average Low in January

31°F

Suffolk

17°F

National Average

Average Daily Sunlight

68%

Suffolk

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 Suffolk, Virginia

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