Homeowners in West Virginia have access to scenic views, affordable housing, and great weather. West Virginia homeownership can be a dream come true for many people. However, West Virginia homeowners are not immune to the issues that come up with a home’s systems and appliances.

Best Claims Acceptance Rate
logo choice home warranty
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Limited Time: $50 Off + 1 month free when you signup today!
Best Coverage Limit
american home shield
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Limited Time: $150 OFF All Home Warranty Plans for new members.
Best for Customization
liberty home guard logo
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Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.
Best Overall Value
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Limited Time: Use code HOUSE25 for $150 off & 2 months free.

Having a home warranty in place can help lower your out-of-pocket expenses when something breaks down. In our guide featuring the best home warranty companies in West Virginia, we will give you information on how to choose a home warranty, why a home warranty is necessary, and the best West Virginia home warranties on the market.

West Virginia’s Top 4 Home Warranty Companies

Compare the Best Home Warranty Companies in West Virginia

The table below outlines data for the best home warranty companies in West Virginia and beyond. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.

Company

Monthly Cost

Service Fee

Coverage Limit

Response Time

Rating

States Covered

$46.83–$54.75+

$85

$3,000

24–48 hours

4.0

49 states, excluding WA

$49.99–$99.99

$75–$125

$6,000

24–72 hours

4.5

50 States

$49.99–$69.99+

$65–$125

$2,000

12–48 hours

4.3

47 states, excluding NV, WA, and WI

$60.42–$63.75+

$60–$75

$3,000

24–48 hours

4.2

47 states, excluding NV, WA, and WI

$30.00–$60.00

$75–$125

$3,000

24–48 hours

4.3

49 states, excluding HI

$39.99–$54.99

$100–$125

$2,000

24–48 hours

4.1

48 states, excluding AK and HI

$17.00–$60.00

$65–$100

$2,500

24–48 hours

4.0

42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY

$36.00–$46.50

$75–$125

$3,500

24–48 hours

3.9

34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI

*Quote and cost data gathered January 2023. Cost data are updated and monitored continuou


Best Claims Acceptance Rate

Choice Home Warranty

4.1

Our Rating

Limited Time: $50 Off + 1 month free when you sign up today!

Choice Home Warranty is the best overall home warranty in the state of West Virginia. Although there are plenty of great benefits in the pricing, coverage options, and customer service associated with Choice Home Warranty, there is one thing that helps them stand out from other companies. Choice Home Warranty is one of the easiest to work with. From the time you get your free quote to the time you need to replace your refrigerator, Choice makes things as straightforward as possible. The service contract has very little fine print, and you will know exactly which areas of your West Virginia home are covered under your policy. 

Key Highlights
  • Our Take: Best Overall
  • Average Annual Cost: $550 – $650
  • Response Time: Up to 48 hours
Impressive customer service
Comprehensive plan options that cover both systems and appliances
90-day repair guarantee
No customization of plan
30-day waiting period to start

There are only two plan choices from Choice Home Warranty; however, each of these plans has both appliance and system coverage. Having a combination of coverages will help to ensure that you can have peace of mind about your entire home. The Choice Home Warranty also allows for some additional options like a central vacuum system or a swimming pool. The service fee from Choice Home Warranty is $85.

Here’s a detailed look at Choice Home Warranty’s coverage: 

  • Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. The Basic Plan is a great value and will have the same $85 service call fee that the Total Plan has.
  • Total Plan ($53.33 per month): The Total Plan is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. For those dealing with West Virginia summers and the humidity, air conditioner coverage is going to be important.

Choice Home Warranty has several add-on coverages that you can add to either of its plans.

  • Roof leak coverage (single-family homes only)
  • Central Vacuum
  • Septic Tank
  • Well Pump
  • Pool
  • Spa (Can be combined with pool coverage if the equipment is shared)
  • Sump Pump (must be permanently installed)
  • Stand Alone Freezer
Best For Customization

Liberty Home Guard

4.5

Our Rating

Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.

Liberty Home Guard is the most trustworthy home warranty in the state of West Virginia. The amazing thing about Liberty Home Guard is that they earned this reputation after two years in the industry. Liberty Home Guard is a new company with modern systems and websites, and they are helping to meet and exceed the expectations of their customers. The Liberty Home Guard plans are quite extensive, and they offer a broad range of coverage options. If you like a modern company that is very on top of the needs of its customers, Liberty Home Guard could be a great choice. Earning an A rating with the BBB in just two years is an accomplishment to be proud of. 

  • Our Take: Most Trustworthy
  • Average Annual Cost: $649 – $749
  • Response Time: Within 24 hours
BBB rating of an A after a short time in the industry
Easy to use customer claim portal
An extensive list of add-on coverages
No plan customization
Has only been on the market for a few years

Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry; these will include:

  • Pool and spa
  • Additional spa (Billed as an extra to the pool system)
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system (all mechanical parts)
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser

Best Value

Select Home Warranty

4.2

Our Rating

Limited Time: Use code HOUSE25 for $150 off & 2 months free.

Select Home Warranty is the most cost-effective home warranty plan for West Virginia homeowners. A Select Home Warranty plan is cost-effective when the pricing for the monthly fees and the service fees will end up saving you money at the end of the year. Select Home Warranty has almost ten years of industry experience, and they are conscientious about providing value for homeowners. Each Select Home Warranty policy comes with free roof leak coverage. This is an add-on for most other companies. 

  • Our Take: Most Cost Effective
  • Average Annual Cost: $579 – $650
  • Response Time: Up to 48 hours
High workmanship quality
Free roof coverage
Good selection of appliance plan, systems plan, and combo plan
Must file a claim within three days
Coverage caps can be lower

The Select Home Warranty has three options for West Virginia homeowners to choose from. The plans are the Gold, Bronze, and Platinum Plan. The combo plan is just a few dollars more per month and includes coverage for everything listed in both the other plans. The Select Home Warranty Platinum Plan is one of the most popular choices on the market. If you need more add-on coverage in addition to the free roof leak option, there are other choices from Select. Select Home Warranty has a service fee of just $65.

Here’s a detailed look at Select Home Warranty’s coverage: 

  • Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop. This can be an excellent option for first-time homeowners that are concerned about home appliances and breakdowns.
  • Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Even though this plan only has six systems, these particular major systems have high out-of-pocket repair expenses, so this coverage can be valuable.
  • Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. The great thing about the Platinum Care plan is that it combines all of the Bronze Care and Gold Care coverage making it a really comprehensive home warranty.

Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without paying extra.

  • Central vacuums (Does not include clogged pipes)
  • Lawn sprinkler systems
  • Pools (Can combine with spa coverage if the equipment is shared)
  • Spas
  • Stand-alone freezers
  • Sump pump (must be within the foundation of the home)
  • Well pump
Best Coverage Limits

American Home Shield

4.2

Our Rating

Limited Time: $150 OFF All Home Warranty Plans for new members.

American Home Shield is the most customizable plan in West Virginia. When you can customize your plan, you can ensure that you are only paying for features that your West Virginia home has. For the last 50 years, American Home Shield has been providing West Virginia homeowners with impressive coverage for their homes. The customer service, response times, and claim approvals all help to make American Home Shield stand out as one of the best overall choices in the home warranty industry. 

  • Our Take: Best Customizable Plans
  • Average Annual Cost: $479 – $779
  • Response Time: Up to 48 hours
50 years of industry experience
Low chance of claim denial
24/7 online support for your home warranty plan
Cancellation fees if policy is ended after the first 30 days
Pricing for some plans is considerably higher

Coverage from American Home Shield has always been considered premium. If you want complete peace of mind about your home warranty policy, this is the plan to choose. The two comprehensive or combo plans tend to be the most popular as they provide a great mix of system and appliance coverage. In addition, American Home Shield is known for its good add-on choices as well. These will help improve the overall customization of the plan. The American Home Shield home warranty has a customizable service fee that ranges from $65 to $125.

Here’s a detailed look at American Home Shield’s coverage:

  • ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork. This plan is systems only but systems can be really expensive to replace, and this home warranty provides protection from that.
  • ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. 
  • ShieldPlatinum™ ($64.99 per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of West Virginia. For those worried about replacement costs on high-end appliances, the ShieldPlatinum makes an excellent option for home buyers and homeowners.

American Home Shield also offers several add-on coverages for homeowners to consider.

  • Septic system (first-year customers only, nonrenewable)
  • Pool
  • Spa
  • PC
  • TV (includes home theater system)
  • Well pump coverage

How Much Does a Home Warranty in West Virginia Cost?

A West Virginia home warranty will cost about $750 a year on average. Service providers will vary the costs of their home warranty plan based on the size of your home, the number of appliances and systems, and the overall plan that you choose. Home warranties in West Virginia will also have service fees, coverage caps, and cancellation fees that need to be considered in the total cost. For those on a budget, the West Virginia home warranty with customizable service fees will be the best choice.

Overall$756.34
Single-Family$616.54
Multi-Family$1,127.74
Townhome$503.18
Condo$634.97
Duplex$925.02
Home Over 5,000 sq ft$1,294.73
Home Under 10,000 sq ft$685.55

So, What’s the Best West Virginia Home Warranty for You?

Hopefully, you now feel as though you can make an educated decision about a home warranty policy for your West Virginia home. Although all four of these policies have great features and benefits, Choice Home Warranty stands out as the best overall.

The time that Choice has spent in the industry, combined with its fair pricing and plan choices, will make it the best choice for most West Virginia homeowners. If you are shopping for the best deal, many companies have sign-on incentives that can help improve affordability. Don’t hesitate to get a quote from more than one provider. 

How to Choose the Best Home Warranty in West Virginia

Getting the best home warranties in West Virginia narrowed down to the top four choices is a significant first step. However, now we have to choose just one of these policies for your home. Three ways you can compare these policies are to look at the plan choices, options coverages, and service fees. 

  • Plan Choices: Most home warranty companies offer between two and four plans for West Virginia homeowners. These plans tend to be limited to systems or appliances or comprehensive in their coverage offerings. Make a list of the coverage you need for your home and choose the plan that most closely matches. 
  • Optional Coverages: Optional coverages include things like swimming pools or well pumps. If your home has some unique features, you may want to see what optional coverages are available. 
  • Service Fees: The service fees for your West Virginia home will range in price from around $60 to $150. The pricing of a service fee is essential to consider when looking at the overall affordability of a policy. 

One of the things that homeowners will learn to love and hate about West Virginia is the four seasons. West Virginia has hot summers and frigid winters. This means that your home has to have plenty of systems and appliances in place to make it comfortable all year long.

  • Electrical Systems: Electricians are in high demand. If you have an issue at your home, you won’t find an electrician to come over and inspect for less than at least $75. On top of this, you will have to pay repair-related expenses and labor. With a home warranty in place, you are only responsible for your service fee. 
  • HVAC: Those warm West Virginia summers will require that you have your home cooled to be comfortable. The problem with HVAC systems is that they are expensive to repair and replace. A home warranty in place will help you cover these costs. 
  • Heating Systems: When everyone starts their heating systems back up for the winter, many homeowners have issues requiring a repair technician. The problem is that the repair technicians are very busy and could have you waiting weeks for a repair. With a home warranty in place, your repair will be guaranteed within a certain period. 

What is a Home Warranty?

A home warranty is a cost savings plan for homeowners who are trying to afford their home system and appliance repairs. Home warranties will help ensure that you are not going to be paying hundreds or thousands of dollars to get your refrigerator or plumbing system back up and running. Most home warranty providers will allow you to sign up for coverage, regardless of the age of your home. Home warranty plans typically have a one-year policy and will cover both repairs and replacements.

Home Warranty vs. Homeowners Insurance

A home warranty and homeowners insurance are quite different in what they cover. The home insurance policy will cover your home for a major or natural disaster. If you experience something like a fire or tornado, your homeowners insurance would replace your entire home if necessary. For a home warranty, the coverage is for covered appliances, systems, and add-ons. The home warranty covers the items that you use most in your home on a day-to-day basis. Home warranty plans have service fees as opposed to deductibles and they are considerably lower.

How Does a Home Warranty in West Virginia Work?

A home warranty plan is designed to be rather easy to use. Whether you have chosen AHS, CHW, or THSC the way you submit your claim may be a little different, but the process should be the same for getting your repair. Here are the basic steps to how a home warranty in West Virginia will work and what you will need to do to get your coverage.

  • Find a home warranty plan that meets the needs of your West Virginia home.
  • Wait the 10-30 days before the home warranty will go into full effect; cancellation during this time period is typically free of charge.
  • If you experience an issue with a home system or appliance, check your policy to see if it could be covered as part of your home warranty plan.
  • Use the online portal system, a phone call, or a live chat to let a representative know about your home warranty-related issue.
  • Pay the service call fee and the technician or contractor will come to your home and help complete your repair.
  • Once the issue is inspected, options for repair or replacement will be presented to homeowners; if the appliance or system can’t be repaired, the home warranty plan may offer replacement costs
  • Repair should happen within 24-72 hours, most contractors and service technicians want to get the repair fixed as soon as possible.
  • A workmanship guarantee will protect you from having to pay the service fee more than once; if the repair fails, simply let your home warranty provider know and they will send someone to repair it for you.

What does a Home Warranty Cover?

The home warranty will typically be divided into three different categories. These categories include appliances, systems, and add-on coverage. The appliances will be the kitchen and laundry room appliances that you are accustomed to using in your home. Most people look to ensure that their refrigerator, stove, dishwasher, washer and dryer are part of their West Virginia home warranty.

The systems that are included in most home warranty plans are the plumbing system, HVAC, electrical system, and heating system. For West Virginia homeowners these are all important coverages to consider. Add-on coverages include things like the swimming pool, carpet cleaning, pest control, and even lawn sprinklers. The add-on coverages are not mandatory and allow you to decide if this is the coverage you need for your home.

While a home warranty can do a great job of covering all your home systems and appliances it will only protect against normal wear. If you have issues that were not created by normal wear, your home warranty claim will be denied.

What is Not Covered by a Home Warranty?

Home warranty plans only cover normal wear. If you have some issues with home systems and appliances that could have been prevented or were in place prior to the home warranty plan going into place, the home warranty coverage will not apply. Here are a few of the things that are not covered by a home warranty plan:

  • Cosmetic issues
  • Preexisting conditions
  • Natural disasters
  • Lack of maintenance and upkeep
  • Intentional breakage
  • Misuse of a system or appliance

Biggest Complaints about Home Warranty Companies in West Virginia

Most home warranty companies in West Virginia are good at keeping homeowners satisfied. However, there are some issues that come up that can be quite frustrating. If you are new to home warranties and want to set the expectation for what it will be like to have a home warranty in place, it’s good to understand common customer complaints. Here are a few of the things that homeowners struggle with when it comes to the home warranty plan.

  • Claim Denial: some home warranty claims will get denied. Claims are denied if the issue was a preexisting problem or if proper maintenance was not in place for home systems and appliances. Claim denial can be avoided if you are aware of what is accepted from the start of your plan.
  • Failed Repair: a repair technician or contractor can sometimes struggle to repair your system or appliance the right way the first time. Look for a home warranty policy with a long workmanship guarantee if you are worried about paying an extra fee for a failed repair.
  • Lower Coverage Caps: coverage caps will determine how much of your home system or appliance repair will be covered by your home warranty plan. Low coverage caps will come into play with replacement coverage as well. Make sure you look at the replacement coverages when you decide which plan is for you.

Are home warranties worth it?

A West Virginia home warranty is worth it. Homeowners in West Virginia have four distinct seasons to deal with and each of these seasons can cause increased wear and tear on certain areas of the home. Home warranty plans will ensure that you are properly covered and your budget remains intact.

Homeowners find that a typical HVAC repair could cost close to $100 for inspection and then hundreds or even thousands of dollars for the actual repair. With a home warranty in place, you may be able to pay just $75 or $100 for the entire repair.

Typically, West Virginia homeowners find that it takes about two repairs or replacements to completely justify the costs of the home warranty plan for the entire year. Having this extra cost savings and combining it with the peace of mind that a home warranty brings is really what helps a West Virginia homeowner.

FAQs About Home Warranties in West Virginia

How much does a home warranty cost in West Virginia?

A West Virginia home warranty will range in price from $35 to $80 per month. If you want to keep your plan’s pricing down, you will have to limit the coverage you are offered. Higher-priced plans have more coverage options and potentially lower service fee costs.


What is a service fee?

A service fee is a price you pay when you schedule a repair for a covered system or appliance. The service fee will range in price from $60 to $150. It’s essential to consider the service fee costs to ensure that your policy is fairly priced overall.


What is the best home warranty company in West Virginia?

The best home warranty in West Virginia is Choice Home Warranty. Choice Home Warranty has been on the market for more than 13 years and has excellent customer service, impressive coverage, and a great list of coverages for your West Virginia home. If you want a company that is easy to work with and trusted in the industry, Choice Home Warranty will be a perfect option.


Is a home warranty worth it?

Most homeowners find that it only takes one or two repairs to a system or appliance to justify the cost of a home warranty. Since home warranties are a fair monthly price, an HVAC or electrical system repair that would have cost several hundred dollars will quickly justify the plans’ costs. In addition, the home warranty helps homeowners budget and have peace of mind about their homes.


Today's Homeowner Home Warranty Ranking Methodology

At Today's Homeowner, transparency and trust are our most important values for the reader. 

To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1,000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.

To make the most of our research, we developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria.

Editorial Contributors
Britt Olizarowicz

Britt Olizarowicz

Britt Olizarowicz is a former real estate agent and landscaping business owner. She has a wide range of experience across several industries and was also a professional golfer. With her experience in investing, renovating, and improving properties Britt loves to share in all of the latest and greatest technologies, systems, and strategies to keep your home and garden looking great.

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Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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