The 5 Best Home Warranty Companies in West Virginia

Did you spend a few days sweating it out during the sweltering July heat last year because your air conditioning compressor failed? While West Virginia saw below-average temperatures last summer, Charleston has already had ten days above 90 degrees in 2024, which means you’re going to want working A/C.

But what if your air conditioning fails this summer? Homeowners without a home warranty would have to call around and try to find service during the peak season for heat. But those with a home warranty plan would only have to make one call.

The last thing you want to do in an emergency home situation is waste time searching for a reputable technician. Home warranty providers check licensing and insurance and make technicians apply to be in their network so that you don’t have to do the legwork to find reliable service. After placing a claim with the company, they call someone in their network of qualified technicians to fix your problem. 

Home warranty companies charge either a monthly premium or a full year in advance for their plans. Homeowners also pay a service fee each time they file a service request. Fees vary, going as low as $70 and as high as $150. Still, warranties can really save you when things go wrong.

I went secret shopping to find the best home warranty company in West Virginia. After applying for quotes, reading online reviews, comparing coverage, and speaking directly with customer service representatives, I came up with the best type of home warranty company to fit your needs. 

Today’s Homeowner uses specific review criteria to rate each factor of a home warranty. Actual factors that go into our numeric calculations include plan options and fees, availability, the claims process,  coverage limits, what online reviewers have to say,  and more. We want you to sleep well at night, knowing that your house is protected by the best home warranty you can find in West Virginia.

Read our full Home Warranty Review Methodology for more details.

Top 5 West Virginia Home Warranty Companies

My Expert Recommendation

Liberty Home Guard offers homeowners real value, thanks to its comprehensive coverage and excellent customer service for a solid price. It takes less than five minutes to get a free quote, service representatives are pleasant, and online reviewers love their customer service experiences and fast claims processes. Monthly premiums are within the normal industry range, though not the cheapest. Still, they don’t increase their service fee on nights or weekends.

Liberty’s $125 service fee is higher than that of competitors such as AFC Home Club or Elite Home Warranty, but the representative offered to lower it to just $85 when I spoke with them. And Elite Home Warranty raises its service fee after business hours.

If you want to cover it all, from the refrigerator to the basement sump pump, Liberty’s large list of add-ons means you can protect almost any part of your home. Elderly homeowners will appreciate Liberty’s fast turnaround on claims. They guarantee services within 24–48 hours. If they can’t get someone out within that time frame, you can call a technician, and they’ll reimburse you for the repair. They’re also one of the few home warranty companies with an app where you can file claims, track their progress, and check when your service technician will arrive. 

West Virginia Home Warranty Companies I Didn’t Include

Unfortunately, the home warranty industry has its share of bad actors. There are two home warranty companies in West Virginia I’d recommend avoiding. They’re both known for shady marketing practices, and, in some cases,  authorities have intervened. 

US Home Guard’s marketing tactics have led to the company’s terrible reputation. In 2022, the Better Business Bureau issued a press release warning consumers about doing business with a company. They warned consumers about US Home Guard’s deceptive marketing.  The company sends mailers that use scare tactics with subject lines such as “Your home warranty is about to expire!” and even sends them to homeowners who’ve never had a home warranty with them.

While operating under a different name, Total Home Protection, in 2021, Service Plus Home Warranty paid a $400,000 settlement over deceptive marketing to the Pennsylvania Office of the Attorney General. They changed their name to try to shake the bad press, but that doesn’t mean anything else has changed. When I applied for a quote online, I purposefully unchecked the box to receive texts and phone calls, but the company texted and called multiple times a day for months.

Compare The Highest Rated Home Warranties In West Virginia

Company	Rating	Monthly Cost	Service Fee	Response Time	BBB Rating	Link
		$50-$60	$75	12-48 hrs.	NR	VISIT SITE
		$35–$75	$100–$125	24-72 hrs	B	VISIT SITE
		$44.99-$58.99	$70	48 hours	A+	VISIT SITE
		$46–$55	$85	24-48 hrs.	B	VISIT SITE
		$52–$58	$75-$85	24-48 hrs.	B	VISIT SITE
		$38–$62	$75–$125	48 hours	B	VISIT SITE
		$38–$48	$75–$125	48 hours	B	VISIT SITE
		$17–$60+	$65–$100	2–24 hrs	A-	VISIT SITE
		$28–$68	$100–$150	2–24 hrs	B	VISIT SITE

Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.

Our Reviews of the Best Home Warranties in West Virginia

Best for Additional Benefits

AFC Home Warranty

4.3

Our Rating

Limited Time:

$200 off + free roof leak coverage

What I Like

What I Don’t Like

I like the effort that AFC Home Club puts into educating their customers about their plans. Find everything you need to know about their four plans on the Plans and Pricing page of their website. When you click on an item, you’ll get more details about excluded parts and components. For example, when you click on “air conditioning,” you’ll find out that their policy doesn’t cover condenser casings or condensate line stoppages. 

This is helpful if you know what’s wrong with your system before you call. Often, you can only see this information in a contact’s fine print, and you might call for service and pay a service fee on a repair that the company doesn’t cover. For example, it’s only when you read Elite Home Warranty’s agreement that you’ll find out they exclude coverage on parts for sealed components of fridges. 

Being able to pick your own technician is one of the best additional benefits of AFC Home Club’s plans, particularly since the company doesn’t offer after-hours or weekend service. If you’ve had a good experience with a local plumber in the past, you can use them again for a new repair or weekend service. All you have to do is call AFC’s claims department and verify that your technician is licensed and insured. After the company has approved them, they’ll pay the technician directly, or you can pay them and request reimbursement.

AFC only sells 14 add-ons to increase its plan’s coverage. In comparison, Liberty Home Guard has 42 options, and Elite Home Warranty has 30 add-ons. They also charge more for additional coverage options than competitors. Sump pump coverage costs $35 a month, which is almost four times the $8.99 a month Liberty Home Guard charges. Their options to increase your home warranty coverage aren’t very budget-friendly. 

The number of customer complaints, particularly those that mention a poor experience with claims, also concerns me. Even though AFC has sample service contracts available online, customers often misunderstand replacement policies and coverage limits. Most home warranty companies won’t pay for 100% of any needed service, so it’s important to know what you might have to cover out of pocket. 

Bottom Line: 8.6/10

AFC Home Club scores an 8.6/10 overall due to the fact you can pick your own service tech, they offer four plans to choose from, and have a clear-cut website. I’d advise homeowners to read through AFC Home Club’s sample contracts to avoid ending up in the same situation as many customers who’ve complained about them. Some homeowners may like the additional benefit of picking their own service technician, particularly if they have good relationships with local service providers.  And a workmanship guarantee that lasts the life of the plan, so however long you have a policy with them is the longest in the business. 

Plans and Coverage: 9/10

With AFC Home Club, customers can pick from four plans and raise or lower their monthly premiums by selecting a higher or lower service fee, earning them a 9/10 in coverage. If it’s easier for you to pay less monthly, pick the $125 service fee, which lowers your monthly premium by roughly four dollars. It’s just like how choosing a high deductible with a homeowners insurance policy can lower your premium.

AFC’s Silver Plan includes your oven/range, refrigerator, stove, cooktop, dishwasher, garbage disposal, clothes washer and dryer, and garage door opener. Coverage limits are up to $3,000 per item for each membership term with all plans.

The Gold Plan adds air conditioning, heating systems, electrical systems, plumbing, water heater, and ductwork to the Silver Plan. The Platinum Plan further increases coverage to include exhaust, attic, and ceiling fans, faucets, plumbing stoppages, an ice maker, and a built-in microwave. 

The only home warranty company with a fourth coverage iter, AFC Home Club’s Diamond Plan costs approximately $35 more a month than the Platinum Plan, but it offers the best additional benefits. Few home warranties cover both electronics and exterior water and sewer lines; most have them available as an add-on (if at all).

Homeowners with a high-end audiovisual system in their living room could find that the electronics coverage is a lifesaver. Exterior water and sewer line repairs can cost thousands, and many home warranty companies won’t extend coverage past 150 feet of the main foundation. AFC Home Club pays for permits, excavation, backfilling holes, and reseeding your yard, which is the most comprehensive water and sewer line coverage on the market. 

Past discounts online and over the phone include $250 off the total cost and roof leak coverage, though the company isn’t running this discount currently. Paying for a year in advance could save you $100 in total; paying three years in advance could save you $250 in total (with the $75 service fee).

Plan	Monthly Cost	Service Fee*	Available Discounts
Silver Plan	$39.08  or$34.33	$75 or $125	None
Gold Plan	$53.17 or$48.50	$75 or 125	None
Platinum Plan	$57.92 or$53.17	$75 or 125	None
Diamond Plan	$92.50 or$87.76	$75 or 125	None

*If you choose the lower service fee of $75, you pay the higher monthly premium. For example, the $65.33 with the Platinum Plan pairs with the $75 service fee. 

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Charleston, West Virginia. The cost data presented was accurate at the time of writing.

Available Add-Ons

The monthly fees for some additional coverage with AFC Home Club can be six to ten times higher than those of other companies. If you know that you need add-ons, consider buying a policy from American Home Shield or Liberty Home Guard instead.

• In-ground pool: $100/month
• In-ground pool and spa: $150/month
• Sump pump: $35/month
• Ice maker: $25/month
• Well pump: $50/month
• Electronics coverage (price depends on your specific electronics) 
• Double oven: $25/month
• Hot water dispenser: $25/month
• Built-in microwave: $50/month
• Stand-alone freezer: $25/month
• Central vacuum: $25/month
• Septic system: $50/month
• Roof leak (free, worth $25/month) 

Exclusions

All of AFC Home Club’s plans exclude the following:

• Crane rentals to move appliances or systems
• Geothermal heating systems
• Haul-away services
• Light fixtures
• Code violations
• Appliances and systems not properly maintained

Editor’s Note: While this article highlights certain exclusions, it’s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

The exclusion for code violations is unlikely to be an issue if you live in a new construction home in Morgantown or Martinsburg. But if you live in a house in one of the older neighborhoods of Charleston,  coverage for repairs might not include the cost to bring them up to code. 

Also, if you haven’t kept comprehensive maintenance records, AFC might not be the best home warranty provider for you. Sometimes, the company asks homeowners to give them maintenance records before they’ll authorize repairs. For example, they want to see an annual maintenance record from a licensed technician before they approve HVAC repairs. If they do approve the repair and one of their technicians recommends an additional repair that you choose not to have done, you forfeit any future coverage on the item. 

Affordability: 8.7/10

AFC Home Club’s pricing for plans isn’t out of the ordinary when compared to the other companies on this list. The Diamond Plan is one of the more expensive plans sold on the market, but you’d only buy it if you have luxury electronics or want protection for your water and sewer lines. 

Their service fee is higher than all competitors — and $125 per service call adds up fast. However, you can lower it to $75 by choosing a higher monthly premium. If you check their website or call on a weekend, they might be offering a special deal. The often run promotions on holidays or long weekends. 

Customer Experience: 8.4/10

The clear layout of AFC’s website makes it easy to find information and explore policies, earning them an 8.4/10 for customer experience. When you click on each plan’s coverage or on an excluded item, a pop-up box tells you what is and isn’t covered. Many competitors hide this information in their contract’s fine print, but AFC puts it out in the open. I find this transparency to be refreshing.

FAQs answer many common questions, such as how to use their plans, coverage, and pricing. The customer service representative chatted politely and responded to questions rather than pushing to close the sale when I called for a quote.  

Company Reputation: 7.7/10

Unfortunately, AFC Home Club’s online reviews aren’t consistent in terms of praise or unhappiness, which is why we gave them a 7.7/10 for reputation. It’s harder to pick a provider when experiences vary. Since local service technicians make a big difference in customer satisfaction, I’d ask friends and family if they’ve used AFC and been happy with their service before buying a plan.

AFC Home Club has a respectable B rating on the Better Business Bureau, though customers rate them just 1.98 out of 5 stars. Several customers have had service technicians, AFC, and independent service providers give them conflicting information about why an item had broken or what repair it needed. Others complain that the company only replaces items at depreciable cost or that the warranty came when they bought the house, but AFC still wanted maintenance records. 

Positive reviewers who’ve been customers for years are happy with consistently great service, while other reviewers really liked being able to use their own service company. Some mentioned they took care of their claim entirely online, while others liked that friendly service representatives who helped them through the claims process contacted them frequently with updates.

Rating Site	Rating	Number of Reviews
BBB	B/ 1.98 / 5 stars	133
Trustpilot	3 / 5 stars	24
Google	3.7 / 5 stars	1,624
Yelp	1.9 / 5 stars	339

Editor’s Note: The ratings provided were accurate at the time of writing.

Claims Process: 8.4/10

Online reviewers had good things to say about AFC’s claims process, so we gave them an 8.4/10  in this category. After they filed a claim, either online or by phone, AFC Home Club kept them updated on technicians’ anticipated arrival times. You’re not left roasting in the heat after your air conditioning goes out on an 85-degree day in Roanoke, wondering when help will arrive. 

AFC says that, within 24 to 48 hours of filing a claim, a technician will reach out to you to make an appointment. I like that the service technician contacts the homeowner to make the appointment rather than setting up the date and time through the home warranty company. That way, you’re not at the mercy of their scheduling and can better fit the service call into your schedule.

Availability: 10/10

AFC Home Club doesn’t sell policies in California or Hawaii but is available in the other 48 states, so we gave them a 10/10 perfect score. You can reach the company to file a claim, answer questions, or buy a policy online and by phone. 

Read our AFC Home Warranty review

Calculate the Cost of a West Virginia Home Warranty

If you’re wondering what it will cost to get a home warranty in West Virginia, try our home warranty calculator. It will give you a rough estimate of what coverage will cost.

West Virginia Home Warranty Regulations

Home warranty companies aren’t as heavily regulated as homeowners insurance, but they do operate under government supervision. Home warranties fall under “property and casualty” insurance at both the state and federal levels.

Homeowners who end up having an issue with their home warranty company can file a consumer complaint with the Office of the West Virginia Attorney General. 

In-depth research will help you find the best provider in West Virginia. Take the time to comb through customer reviews online, looking for reviews from homeowners who live in West Virginia, or ask friends for their experiences. Make a pros and cons list that includes your priorities for coverage. Finally, steer clear of companies who lack a long track record in your area — if it seems too good to be true, it might be. You’ll have higher confidence in buying a home warranty if you’ve evaluated your options.

Editor’s Note: While this article highlights certain regulations, it is vital for readers to do their own research, as the mentioned regulations are not exhaustive.

Best Home Warranties by State