A home warranty in Bloomington City can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
With hot summers and cool winters, working home appliances and systems, particularly HVAC, are extremely important for homeowners in the Bloomington City area of Illinois.
Choosing the best home warranties on the market can be challenging because of the numerous options out there. If you are tired of trying to compare the different options, keep reading for our guide to the top home warranty providers in Bloomington City.
Selecting the right home warranty in Bloomington City for you and your family depends on the type of coverage you're looking for, the home warranty provider you opt for, and where you live, among other factors. Before making your final decision, here are a few additional factors to keep in mind:
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
In Bloomington City, Choice Home Warranty offers the best overall home warranty. If you're looking for very high coverage caps and simple-to-understand service contracts, you'll want to have this plan on your side. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process easy.
Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For a more detailed breakdown, read our Choice Home Warranty full review.
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
In Bloomington City, Select Home Warranty offers the most cost-effective home warranty. The 3 plans from Select are easy to understand and offer both system and appliance coverage. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It 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 Bloomington City homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with Select's plans are around the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our review of Select Home Warranty.
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 Bloomington City. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, you'll want to have this plan on your side. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty company offers 3 plans to policyholders, which have various options for appliance and system coverage.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Bloomington City area.
For more information on this provider, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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 is the best home warranty with the quickest service for Bloomington City residents. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for homeowners to decide between.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered appliance or system.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our The Home Service Club Review.
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Bloomington City residents. Liberty has 3 simple plans, making the selection process quick and easy. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000 at the maximum.
For a more detailed breakdown, read our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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 for Bloomington City residents. Cinch has been on the market for over 43 years, making it a highly regarded company in the industry. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For a more detailed breakdown, read our comprehensive review of Cinch Home Services.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Bloomington City
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down and the repair costs several hundred dollars, a home warranty will ensure that all you have to pay is a predetermined service fee. Home warranty coverage usually starts without an inspection and you can generally start using it about thirty days after purchasing the policy.
When you have a problem with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will contact you about a repair technician coming over to take a look at the issue. At this point, you will also need to pay your service fee. Once the contractor looks at the problem, they will handle it at no cost to you. The only time a Bloomington City homeowner may have to pay out-of-pocket costs is if the repair or replacement is above the item's coverage cap.
Home warranty plans help protect both your home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. The appliances usually covered under a home warranty plan are the oven, washing machine, dishwasher, dryer, refrigerator, microwave, and more. System coverage typically includes electrical systems, heating systems, air conditioning, water heaters, plumbing, and more. Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as sump pumps, roof leaks, pools, electronics, spas, and central vacuums.
A Bloomington City home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, natural disasters, and pre-existing conditions are not covered with a Bloomington City home warranty.
Since temperatures in Bloomington City can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Buying a home warranty can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a contractor and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most.
As for the drawbacks of home warranties, home system and appliance coverage varies by company so it's important to read what each policy covers and doesn't include in the contract. In addition, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Whether or not a home warranty is worth it ultimately comes down to your personal preference. Similar to any other type of insurance policy or warranty, it's there to offer you some peace of mind, so you will have to be the judge of how much that is worth to you.
Hopefully, you now feel confident that you can choose a home warranty provider in Bloomington City after going through our guide. Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, affordable pricing, and easy to understand plans make it a great home warranty for Bloomington City homeowners.
The top home warranty company in Bloomington City is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced repair technicians and a tremendous reputation in the Bloomington City area.
A home warranty plan covers the normal wear of home systems and appliances. Homeowners insurance protects a home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new dryer or air conditioner, unless the damage is due to a natural disaster.
Home buyers, landlords, real estate agents, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save homeowners money in the long run.
Most home warranty policies have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so be sure to check with the company about this.
A home warranty in Bloomington City can cost anywhere from $40 to $80 a month. The higher-priced plans typically have more coverage, a lower service fee, and higher coverage limits.
Homeownership can be pricey. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty in place, you won't have any large hits to your bank account just to keep your home up and running.
