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Last Updated: February 25, 2025
The cost of maintaining a home in Bloomington can be expensive, particularly as your home ages and your appliances and systems need to be repaired or replaced. A home warranty in Bloomington can help bring down your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear.
The home warranty market is filled with many providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Bloomington.
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. Choice has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. Choice has 2 simple plans, making the selection process easy. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage caps associated with Choice’s plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $85.
For more information, read our Choice Home Warranty Review. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
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 more than 11 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. Select has 3 simple plans, making the selection process easy. 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.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. The coverage caps associated with Select’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are a reasonable $60.
For more information, read our Select Home Warranty Review. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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 more than 26 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. AHS has 3 simple plans, making the selection process easy. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. The coverage caps associated with AHS’s plans are close to the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For more information, read our American Home Shield Review. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
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
First American Home Warranty is the best home warranty for appliance coverage for Bloomington residents. First American has more than 39 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. First American has 2 simple plans, making the selection process easy. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it 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.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage caps associated with First American’s plans are close to the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
For more information, read our First American Home Warranty Review. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
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 more than 44 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. Cinch has 3 simple plans, making the selection process easy. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. The coverage caps associated with Cinch’s plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
For more information, 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.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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. HSC has more than 15 years of experience in the home warranty sector, and has provided excellent customer service at an affordable cost to its customers. HSC has 2 simple plans, making the selection process easy. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it 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 offer a mix of appliance and system coverage. The coverage caps associated with HSC’s plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information, read our The Home Service Club Review. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,466 |
| Heating | $4,311 |
| Electrical | $647 |
| Toilets | $539 |
| Washer/Dryer | $862 |
| Plumbing | $647 |
| Oven | $1,724 |
| Fridge | $647 |
A home warranty is a protection plan that assists Bloomington homeowners in reducing the costs of appliance and system repairs. The plans offer financial coverage to replace or fix appliances and systems that break down due to normal wear and tear. When something stops working, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty plan gives homeowners a sense of security and can help avoid expensive emergency repairs. They can be especially helpful for people purchasing older homes or homes with systems near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include dishwashers, microwaves, garbage disposals, refrigerators, dryers, washers, and more. Included systems are usually air conditioning, plumbing, electrical, and heating. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Bloomington homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before signing a home warranty contract, you should learn key terms like:
When you're deciding on a home warranty provider, there are several key things to take into account:
Home warranty coverage differs significantly when it comes to what's covered. Most plans include protection for AC, plumbing, heating, electrical, and appliances. More inclusive options also include protection for other items such as spas, roof leaks, pools, and well pumps. Look for a company that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific systems and needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty company's reputation provides insights into factors such as repair speed, claim approval rates, contractor expertise, and customer satisfaction. Check review sites like Google Reviews, the Better Business Bureau (BBB), or TrustPilot to learn more about providers. Favorable feedback and ratings suggest a company known for providing quality service.
Home warranty businesses keep networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair technicians they have in Bloomington and get an idea for how fast your repairs could take place in an emergency situation. Bigger networks raise the probability of getting qualified contractors to swiftly service your home.
Certain home warranty providers include extras such as energy-efficient upgrades, discounts on maintenance, and protection for smart home devices. These offer extra value beyond repair coverage. Extra perks can enhance your home and help maximize your home warranty.
Temperatures in Bloomington can get quite high in the summer, which means your air conditioner is likely to get a decent amount of use. As a homeowner in Bloomington, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered if they need to be repaired or replaced.
A home warranty also can also save you time and energy. Instead of spending hours researching and choosing a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is when you’re selling your home, you can most likely transfer your home warranty policy to the new owners. It can make your house more attractive to potential homebuyers and help your home sell faster.
One of the main drawbacks of a home warranty is not everything may be covered. It’s important to compare the different policies and opt for one that covers all the appliances, systems, and add-ons you need.
Another thing to bear in mind is that some providers don’t cover pre-existing problems and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you aren’t sure or if this is a problem for you.
A home warranty in Bloomington can cost between $30 and $60 a month. Higher-priced plans typically have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying annually instead of monthly. Some companies will also reduce your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan helps protect against normal wear and tear to home systems and appliances. A homeowners insurance plan protects the entire home in case of something such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim if you need a new dryer or oven, unless the damage is due to a natural disaster, which isn't that common in Bloomington.
A home warranty policy can help homebuyers, real estate agents, investors, home sellers, and homeowners. It can provide peace of mind to anyone involved in homeownership.
The different types of home warranties in Bloomington include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan will cover your systems and appliances, including your dishwasher, washing machine, and plumbing. A plan that only covers appliances or systems will cover only the specific items listed in the plan.
Generally, a home warranty policy offers coverage for a year and can be renewed annually. Some companies may offer month-to-month options.
Usually, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Bloomington, where the median home value is $514,907, having the seller pay for the home warranty can be a good asset for your new home.
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