Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Bloomingdale has lots of benefits, but it also comes with worries and concerns. Your home’s appliances and systems will eventually need repairs, and this could mean a burdensome expense. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Finding the best home warranty on the market can be quite a challenge because of the numerous options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty providers in Bloomingdale.
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
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Bloomingdale residents. The 3 policies that Liberty offers include options for appliance and system coverage. When you purchase a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 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 an affordable $75.
To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
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 Bloomingdale residents. The 2 policies that Choice offers include options for appliance and system coverage. When you purchase a policy 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 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 an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our review of Choice Home Warranty.
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 offers the most cost-effective home warranty for Bloomingdale residents. The 3 policies that Select offers include options for appliance and system coverage. When you purchase a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty 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 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. Read more by visiting our review of Select Home Warranty.
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 offers the most customizable home warranty for Bloomingdale residents. The 3 policies that AHS offers include options for appliance and system coverage. When you purchase a policy 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.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 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 customizable and range from $75 to $125.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our review of American Home Shield.
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 offers the best home warranty for appliance coverage for Bloomingdale residents. The 2 policies that First American offers include options for appliance and system coverage. When you purchase a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 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 $85.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our review of First American Home Warranty.
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 offers the home warranty with the best workmanship guarantee for Bloomingdale residents. The 3 policies that Cinch offers include options for appliance and system 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. 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 be 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, you can fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
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 offers the best home warranty with the quickest service for Bloomingdale residents. The 2 policies that HSC offers include options for appliance and system coverage. When you purchase a policy 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 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 with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our review of The Home Service Club.
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 | $6,713 |
| Heating | $4,475 |
| Electrical | $671 |
| Toilets | $559 |
| Washer/Dryer | $895 |
| Plumbing | $671 |
| Oven | $1,790 |
| Fridge | $671 |
A home warranty is a protection plan that assists Bloomingdale homeowners reduce the costs of appliance and system repairs. The plans provide financial coverage to fix or swap out appliances and systems that break down due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty company then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the cost of repair or replacement exceeds the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them avoid expensive emergency repairs. They're particularly valuable for those who live in older homes or ones with outdated systems. Newer builds with modern appliances probably don’t require a home warranty.
Home warranties cover many home systems and appliances. Covered appliances typically include microwaves, dishwashers, garbage disposals, dryers, washers, refrigerators, and more. Covered systems include heating, plumbing, air conditioning, and electrical. Many home warranty providers also offer add-on coverage for central vacuums, roof leaks, locksmiths, and septic systems. It's important for Bloomingdale homeowners to know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover things like cosmetic issues, natural disasters, pre-existing conditions, or improper use of a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by your policy.
Here are some essential home warranty terms to understand before signing a contract:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans include protection for plumbing, electrical, heating, AC, and appliances. More comprehensive plans also include protection for other items such as roof leaks, well pumps, spas, and pools. Look for companies with a range of coverage choices, such as upgraded plans. Flexibility helps you tailor your protection for your home’s needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings on every claim. Some providers also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's rating gives insight into things such as claim approval rates, timeliness of repairs, contractor quality, and overall customer satisfaction. Look at third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Favorable ratings and reviews indicate a company known for stellar service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Larger networks improve the chance of getting skilled contractors to your home swiftly. Reach out to possible providers to ask how many contractors they have in Bloomingdale. This helps you understand how long repairs may take in an urgent situation.
Home warranty providers might include bonuses such as maintenance discounts, energy efficiency upgrades, and coverage for smart home devices. These extras can add value beyond repair coverage. Added perks can maximize the usefulness of your home warranty.
Since temperatures in Bloomingdale can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
In addition, having a home warranty can save you some time by getting rid of the need to research technicians — most providers will send a trusted professional right to your door to carry out the repair or replacement. Another good thing about having a home warranty is when you’re selling your home, you can most likely transfer your home warranty to the new owners. It can make your house more attractive to potential homebuyers and may help your home sell faster.
One drawback of signing up for a home warranty is that there are often exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it’s important to read through the contracts you’re considering thoroughly to understand what is included and what isn’t.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They often won’t cover systems or appliances that need repairs or replacements due to animal infestations, natural disasters, improper maintenance, etc.
A home warranty in Bloomingdale can cost between $30 and $60 a month. The higher-priced plans usually have broader coverage, a lower service fee, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some companies will also lower 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 types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in case of a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new dryer or stove, unless the damage is due to a natural disaster, which can be a threat in Bloomingdale.
First-time homebuyers, home sellers, homeowners, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty can cover your appliances, systems, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Home warranty plans generally last a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Usually, the homeowner is the one who is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Bloomingdale, where the median home value is $391,569, having the seller pay for the home warranty can be a good asset for your new home.
