When one of your systems or appliances stops working, a home warranty will help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Being a homeowner in Bloomington is an excellent option for those who enjoy up and coming cities. However, as great as Bloomington is, homeownership always comes with its fair share of negatives, such as trying to deal with your appliance and system repairs yourself.
Finding the best home warranty plan for your Bloomington home can be time-consuming, so our team at House Method did the research for you to help you find the top home warranty in Bloomington. Keep reading for our home warranty recommendations and find out which plan works best for your home.
Choosing the best company for your home warranty is a step you could take to protect your home. When deciding which home warranty provider is the right fit 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 for Bloomington residents. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice offers include options for appliance and system coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000.
For more information, read our Choice Home Warranty Review. To get a free quote from Choice Home Warranty, you can 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
Select Home Warranty is the most cost-effective home warranty for Bloomington residents. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
The plans that Select offers to homeowners are 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 company. Service fees are a reasonable $60.
To read more, visit our thorough review of Select Home Warranty. 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 is the most customizable home warranty for Bloomington residents. AHS has been operating for over 25 years, making it a respected company in the industry. 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 has 3 plans for homeowners to decide between.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are around the $2,500 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, 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
In Bloomington, The Home Service Club is the best home warranty with the quickest service. The 2 policies that HSC offers include options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For a more detailed breakdown, read our review of The Home Service Club.
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 in Bloomington. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Bloomington area.
For more information, read our Liberty Home Guard full review. To receive 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 in Bloomington. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Bloomington homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered system or appliance.
Read our Cinch Home Services full review to learn more. To receive a free quote from Cinch Home Services, you can 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 will cost several hundred dollars, a home warranty will make sure that you only have to pay a predetermined service fee. Home warranty coverage often starts without an inspection and you can generally start using it about thirty days after making your first payment.
When you have an issue with one of your appliances or systems, you can submit a claim with your home warranty company. Then, a customer service representative will contact you about a contractor coming over to take a look at the issue. After that, you will pay your service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage limit, which is the maximum cost per year or appliance that the home warranty company will cover for repairs and replacements.
A home warranty plan will cover your home's systems and appliances from normal wear and tear. Typical appliances covered by a home warranty plan include a dishwasher, garbage disposal, refrigerator, washer, microwave, dryer, and more. The systems that are most commonly covered will be electrical systems, air conditioners, plumbing systems, heating systems, and hot water heaters. The add-on coverage options can include roof leak, spa, pool, septic system, and sometimes even things like locksmith or pest control.
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 follow preventative maintenance guidelines, the home warranty will not cover it. Things like misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not included in a home warranty policy.
Temperatures in Bloomington can drop to the negatives in the winter, which means your heating system is likely to get a decent amount of use. As a homeowner in Bloomington, one benefit of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
A home warranty can also provide value in other ways. For example, some policies can be transferred between owners during a home sale.
One drawback of purchasing a home warranty is that there are usually exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it's important to read over any contracts you're considering thoroughly to understand what is included and what isn't. Another drawback is that home warranties may not include some repairs, like those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were impacted probably won't be covered by the home warranty.
Homeownership is a big responsibility that can be expensive, but valuable. A home warranty is one thing that can help with your home maintenance budget, but whether or not it's worth it for you is something you'll have to weigh before purchasing a policy.
Hopefully, you now feel as though you can choose the right home warranty for your Bloomington home. Choice Home Warranty stands out as the best overall company. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for Bloomington homeowners.
The best overall home warranty in Bloomington is Choice Home Warranty but the right company for you will depend on factors such as what appliances and systems you need to have covered.
A home warranty is a kind of service contract designed to give homeowners extra coverage for their household systems and appliances. These include refrigerators, washing machines, dishwashers, garbage disposals, dryers, water heaters, plumbing, heating and cooling systems, electrical systems, and sump pumps, among others. Some policies also provide coverage for pools, ceiling fans, garage door openers, and roofs. A home warranty can help you save money if these items break down unexpectedly.
A home warranty policy will cover repair and replacement costs for home systems and appliances. 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 if it is within the coverage limits of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
The service fee is the price you pay each time there's a problem with a system or appliance. The service fees are commonly priced between $60 and $150.