Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many, but maintaining it can get expensive over time, especially if your home in Culpeper is on the older side. A home warranty in Culpeper can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
Finding the best home warranty on the market can be difficult, as there are dozens of companies to decide between. That’s why the Today's Homeowner team did the research and compiled a list of the top home warranty companies in Culpeper for you.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Culpeper. Liberty has over 6 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The 3 policies that Liberty offers include options for appliance and system coverage. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard offers 3 plans for Culpeper homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000 at the maximum.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read more by visiting our Liberty Home Guard full review.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty in Culpeper. Choice has over 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The 2 policies that Choice offers include options for appliance and system coverage. When you purchase a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Culpeper homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read more by visiting our Choice Home Warranty full review.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty in Culpeper. Select has over 11 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The 3 policies that Select offers include options for appliance and system coverage. When you purchase a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Culpeper homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000 at the maximum.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty full review.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield offers the most customizable home warranty in Culpeper. AHS has over 26 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The 3 policies that AHS offers include options for appliance and system coverage. When you purchase a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Culpeper homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read more by visiting our American Home Shield full review.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Culpeper. First American has over 39 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The 2 policies that First American offers include options for appliance and system coverage. When you purchase a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty offers 2 plans for Culpeper homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also around $1,500 at the maximum.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our First American Home Warranty full review.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee in Culpeper. Cinch has over 44 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The 3 policies that Cinch offers include options for appliance and system coverage. When you purchase a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Culpeper homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our Cinch Home Services full review.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service in Culpeper. HSC has over 15 years of experience in the home warranty sector, and has provided great customer service at an affordable cost to its customers. The 2 policies that HSC offers include options for appliance and system coverage. When you purchase a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club offers 2 plans for Culpeper homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000 at the maximum.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our The Home Service Club full review.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
Home Appliance | Repair Cost |
---|---|
Air Conditioner | $6,242 |
Heating | $4,161 |
Electrical | $624 |
Toilets | $520 |
Washer/Dryer | $832 |
Plumbing | $624 |
Oven | $1,664 |
Fridge | $624 |
A home warranty is a protection policy that helps reduce the high costs for Culpeper homeowners needing appliance and system repairs. These plans provide coverage to fix or replace appliances and systems that break due to normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with outdated systems. More modern homes with working fixtures probably don’t require a home warranty.
Home warranties cover many home systems and appliances. Warranties usually cover appliances such as garbage disposals, refrigerators, microwaves, dryers, dishwashers, washers, and others. Covered systems include plumbing, air conditioning, heating, and electrical. Many home warranty companies also offer additional coverage for locksmiths, septic systems, central vacuums, and roof leaks. It's important for Culpeper homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements due to normal wear and tear. Home warranties don't cover problems such as cosmetic issues, pre-existing conditions, natural disasters, or damage caused by improperly using a system or appliance. It's important to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by your policy.
There are a number of home warranty terms to know before signing an agreement, including:
There are several key factors to consider when selecting a home warranty provider:
Home warranty policies vary widely in what they include. Most plans cover electrical, AC, plumbing, heating, and appliances. More robust plans also offer protection for other items such as spas, pools, well pumps, and roof leaks. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize protection for your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings. Some providers also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation gives insight into things such as contractor quality, approval rates, repair timeliness, and customer satisfaction. Browse review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty companies keep networks of technicians to handle covered repairs. Larger networks raise the likelihood of getting qualified technicians to quickly service your home. Contact potential providers to find out how many contractors they have in Culpeper to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers include extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These can add value beyond just repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Temperatures in Culpeper can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Culpeper, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they have to be repaired or replaced.
In addition, having a home warranty can save you some time by eliminating the need to research service technicians — most providers will send a trusted professional right to your door to carry out the necessary repair or replacement. Another added benefit of having a home warranty policy is that it can raise your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
Home warranties also have some cons. Although it can give you less to worry about since the home warranty sends out a contractor who handles the repair for you, some people may not like this, and they would rather select a contractor themselves. If that’s important to you, some home warranty providers let you choose a contractor.
Another consideration is that home warranties usually only cover malfunctions due to normal wear and tear. They most likely won’t cover systems or appliances that have been damaged due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty plan costs, on average, around $300 to $600 a year in Culpeper. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. In addition, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim if you need a new dryer or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in Culpeper.
A home warranty plan can help real estate agents, investors, homebuyers, homeowners, and home sellers. It can offer peace of mind to anyone involved in homeownership.
The different home warranties in Culpeper include plans that cover either appliances or systems as well as combination plans. A combination plan covers your systems and appliances, including your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the specific items mentioned in the contract.
Home warranty plans generally provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.
Generally, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Culpeper, where the median home value is $404,583, having the seller pay for the home warranty can save you some money on your new home.