A Bloomington home warranty policy can help protect homeowners by cutting the costs of major repairs and replacements on your home's appliances and systems.
Homeownership in Bloomington comes with quite a few benefits, but it also does not come without its challenges. Your home's appliances and systems will eventually need repair and this could mean a huge expense hitting your bank account suddenly.
Although a home warranty can help with your expenses as a homeowner, one issue is narrowing down the best choice for your Bloomington home. That's why we've done the research and have put together a list of the top home warranty options in Bloomington.
The first step in protecting your property with a home warranty is determining which provider's plan is right for you. Consider the items in your home you want coverage for and compare the plans. Policies can vary, so consider the following factors when deciding on a home warranty plan:
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 is the best overall home warranty for Bloomington residents. When you purchase a home warranty 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 offers 2 plans for homeowners to choose from.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to about $3,000 per covered appliance or system.
Read our full review of Choice Home Warranty to learn more. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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
Select Home Warranty is the most cost-effective home warranty for Bloomington residents. 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 has 3 simple plans, making the selection process quick and easy.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. 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. For more information on this provider, read our Select Home Warranty Review.
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 is the most customizable home warranty for Bloomington residents. AHS has over 25 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for homeowners to choose from.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
To read more, visit our comprehensive 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
In Bloomington, The Home Service Club is the best home warranty with the quickest service. HSC is a home warranty provider with 14 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans that HSC has include options for appliance and system coverage. 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.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our thorough review of The Home Service Club to learn more.
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 residents. Liberty has 3 plans for homeowners to decide between. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, 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. Liberty's service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered appliance or system.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our full review of Liberty Home Guard.
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
In Bloomington, First American Home Warranty offers the best home warranty for appliance coverage. First American offers 2 plans for homeowners to decide between. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to around $1,500 per covered system or appliance.
Read more by visiting our review of First American Home Warranty. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
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
In Bloomington, Cinch Home Services offers the home warranty with the best workmanship guarantee. The 3 plans from Cinch are easy to understand and have a mix of both system and appliance 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.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Bloomington area.
For a more detailed breakdown, read our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
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 home systems and appliances. When your washer or dryer stops working and the repair costs several hundred dollars, a home warranty will make sure that your only cost is a predetermined service fee. Home warranty coverage often starts without an inspection and generally goes into place about thirty days after making your first payment.
Filing a claim with your home warranty company is quite simple. There will be either an online portal system or a direct phone number to file your claim with your home warranty company. At this point, you will pay the service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage limit, which is the maximum amount per year that the home warranty company will cover for repairs and replacements.
Home warranties help protect both home systems and appliances. A home warranty can cover repair and replacement-related expenses that are a result of normal wear and tear. The appliances covered are a microwave, clothes dryer, clothes washer, cooktop, stove, refrigerator, dishwasher, and more. The systems included are the plumbing, electrical, water heater, air conditioner, heating system, and more. Add-on coverage will vary from one plan to another, but you can expect to see add-ons like central vacuums, sump pumps, pools, electronics, spas, and roof leaks.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, the home warranty will not cover it. Things like cosmetic damages, pre-existing conditions, lack of maintenance, and misuse are not included in a home warranty policy.
Bloomington is known for its mild winters and hot summers, and if you live in Bloomington, you know that the weather can be unpredictable. During the summer months, your air conditioner can be overloaded in its effort to combat the heat. In the event that your air conditioner did stop working, a home warranty can cover repairs and help decrease your out-of-pocket expenses.
Another added benefit of having a home warranty plan is that it can increase your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you have your home warranty with.
One of the main drawbacks of a home warranty is not everything you care about may be covered. It's important to weigh the different plans and opt for one that covers all the appliances, systems, and add-ons you need. Another downside is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your house floods, the systems and appliances that were affected probably won't be covered by the home warranty.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help cut back on the inevitable cost of home appliances and system repairs, giving you some peace of mind.
We hope you now feel confident that you can choose a home warranty company in Bloomington after reading through our guide. All of these top home warranty providers have impressive histories and backgrounds and coverage plans. Among them, 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 homeowners.
The top home warranty company in Bloomington is Choice Home Warranty. Choice Home Warranty has a large network of professional contractors and a respected reputation in the Bloomington area.
Home warranty plans cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects the entire home from natural disasters and fires. It doesn't cover typical appliance or system repairs.
A home warranty can help real estate agents, homebuyers, home sellers, investors, and homeowners. It can offer peace of mind to anyone that is involved with homeownership.
A home warranty will cover repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover something that happened as a result of a pre-existing condition.
Home warranties cover the cost of repairs and replacements as long as it is within the policy limits of the plan. If the replacement costs more than the home warranty covers, you will have to pay for the rest out of pocket.
A service fee is an expense that you must pay before a service technician or contractor comes to your home to repair your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners have with a home warranty in place apart from the monthly premium/annual cost.
