A Bloomington home warranty can help protect home buyers and current homeowners by lowering the costs of major repairs and replacements on your home's appliances and systems.
With a relatively mild climate, Bloomington is a great place to own a home. However, homeownership comes with its challenges, like repairing and replacing your home's systems and appliances.
Finding the best home warranty on the market can be quite challenging because there are dozens of companies to decide between. That's why our team at House Method did the research and put together a list of the top home warranty companies in Bloomington for you.
The first step in protecting your real estate investment with a home warranty is determining which provider's plan is right for you. Consider the items in your home you'd like coverage for and compare the policies. When deciding which home warranty provider is the right one for you, here are some important factors to bear 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
Choice Home Warranty offers the best overall home warranty in Bloomington. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered system or appliance.
For a more detailed breakdown, read our review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
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, 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 offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select's service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered appliance or system.
Read more by visiting our Select Home Warranty Review. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 for Bloomington residents. When you purchase a home warranty 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. AHS has 3 simple plans, making the selection process quick and easy.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are customizable and range from $75 to $125.
Read more by visiting our American Home Shield Review. To get a free quote from American Home Shield, you can fill out this online form or call 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 residents. When you buy a home warranty 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 2 plans from HSC are comprehensive and have a mix of both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000.
For a more detailed breakdown, read our full review of The Home Service Club. To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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
In Bloomington, Liberty Home Guard offers the most trustworthy home warranty. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000 at the maximum.
For a more detailed breakdown, read our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, 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 is the home warranty with the best workmanship guarantee for Bloomington residents. Cinch has been in the home warranty industry for around 43 years. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our Cinch Home Services Review.
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
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can provide some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after paying for the home warranty plan.
For Bloomington homeowners, when a problem happens with a covered appliance or system, it is very easy to file a claim. Most home warranty providers have an online portal system where a claim can be submitted. After that, you will pay your service fee. Service fees for home warranty customers range in price from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum amount per appliance that the home warranty company will cover for repairs and replacements.
A home warranty will cover systems and appliances that have stopped working due to normal wear and tear. For instance, if your dishwasher suddenly stops working under normal use conditions, you can call your home warranty company. Appliances covered under a home warranty plan are typically the refrigerator, garbage disposal, microwave, dryer, dishwasher, and more. Systems that are covered usually include air conditioners, water heaters, heating systems, plumbing systems, and electrical systems. Add-on options can vary from one plan to another but often include things such as a sprinkler system, central vacuum, second refrigerator, plumbing stoppages, and septic system.
A Bloomington home warranty will only protect against 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, natural disasters, pre-existing conditions, and intentional breakages are not covered with a Bloomington home warranty.
Since temperatures in Bloomington can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
Not only does a home warranty offer some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most.
Home warranties also have some downsides. While it can give you less to worry about since the home warranty sends out a repair person who takes care of the repair for you, some people may not like this, and they would prefer to select a contractor themselves. If that's the case for you, some home warranty companies let you select a contractor. Another thing to bear in mind is that some providers don't cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty provider for clarification about this if you aren't sure or if this is an issue for you.
Owning a home is a big responsibility that can be costly, but fruitful. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to determine before taking the leap and purchasing a policy.
Hopefully, this review of Bloomington's top home warranty options has helped you narrow down your choices and ultimately decide on a plan. Choice Home Warranty is the best overall home warranty company in Bloomington. It offers great coverage at an affordable monthly or annual cost. However, other providers mentioned above are also great choices for Bloomington residents.
Our pick for the best overall home warranty company in Bloomington is Choice Home Warranty but the right company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a service contract that covers the repairs and replacements of your major home systems and appliances.
A home warranty covers the normal wear and tear of systems and appliances in a home. Homeowners insurance protects the entire home in case of a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new refrigerator or stove, unless the damage is a result of a natural disaster.
Most home warranties have a 30-day waiting period before you can make service requests, but some may offer coverage sooner so make sure you check with the company about this.
Most home warranty plans cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but the entire replacement may not be paid for.
Many homeowners find a home warranty is a good investment since it can help protect against unexpected expenses. If you're worried about your finances and home maintenance, getting a home warranty can help. One of the major pluses of a home warranty is that it can offer you some financial peace of mind.
