Written By Todays Homeowner Local Pros
Last Updated May 2023
Make the most of your home warranty with the top home warranty companies in Bloomington. Bloomington is a great place to have a home. However, along with all the positives of homeownership, there are often a few negatives, too. One of the biggest stressors for many homeowners is that systems and appliances can stop working at any time.
When one of your systems or appliances stops working, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less overwhelmed by homeownership. Although a home warranty can help with your homeowner headaches, one pain point is narrowing down the right choice for your Bloomington home. That's why we've done the research and have put together a guide of 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 is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 has 2 simple plans, making the selection process quick and easy.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $85.
Read more by visiting our Choice Home Warranty Review. 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 been on the market for more than 11 years, making it a respected company in the industry. When you buy a home warranty 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 home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Select's plans are close to the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
Read more by visiting our Select Home Warranty full review. To get 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 offers the most customizable home warranty for Bloomington residents. AHS has over 26 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Bloomington area.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our detailed review of American Home Shield.
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 been in the home warranty industry for about 15 years. The 2 home warranty plans that HSC offers 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 offers 2 plans for Bloomington homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps associated with HSC's plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
For a more detailed breakdown, read our The Home Service Club Review. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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 is the most trustworthy home warranty. Liberty has more than 6 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. Liberty offers 3 plans for homeowners to decide between. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000.
Read our detailed review of Liberty Home Guard to learn more. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Total 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
First American Home Warranty is the best home warranty for appliance coverage for Bloomington residents. First American is a home warranty provider with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. The 2 plans that First American offers include options for appliance and system coverage. With a home warranty from First American, you can enjoy 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 combination of system and appliance coverage. First American's service fees are a reasonable $85, and the coverage limits come out to around $1,500 per covered appliance or system.
To read more, visit our review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 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
Cinch Home Services offers the home warranty with the best workmanship guarantee for Bloomington residents. 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. Cinch offers 3 plans for homeowners to choose from.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
Built-in Systems Plan
Complete Home 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|
A home warranty is a home protection plan that can lower the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Bloomington home comfortable and convenient. When these things need repairs or replacements, it can be costly and a hassle. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When you have an issue with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will reach out to you about a contractor coming over to take a look at the problem.
At this point, you'll pay the service fee, which is generally between $60 and $150, depending on what plan you choose. After the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. As long as the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs .
A home warranty in Bloomington provides coverage for the main systems and appliances in a home. Common appliances covered by a home warranty plan include a washer, dishwasher, garbage disposal, dryer, refrigerator, microwave, and more. The systems that are usually covered will be heating, electrical systems, plumbing, and air conditioning.
The add-on coverage options can include spa, pool, septic system, roof leak, 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 maintain them properly, the home warranty will not cover it. Also, a home warranty does not cover lack of maintenance, misuse, cosmetic damages, and pre-existing conditions.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Bloomington reaching an average high of 62℃F, you may find that certain appliances, such as your air conditioner, get a lot of use. A home warranty can remarkably bring down out-of-pocket expenses should your HVAC system break down.
Not only does a home warranty offer some financial relief, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most.
One disadvantage of getting a home warranty is that there are usually exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it's important to read through any contracts you're considering carefully to get a sense of what is included and what isn't.
Another pain point of home warranties is that they don't cover systems or appliances that have been improperly maintained. This can lead to your repair requests being denied, so it's important to make sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Once you're ready to get a home warranty, the first step is thinking about what items you need coverage for. After that, you can compare your options and contact different home warranty providers for a free quote. When deciding which home warranty provider is the right one for you, here are some important factors to take into account:
The best home warranty provider in Bloomington is Choice Home Warranty. Choice Home Warranty has an expansive network of professional repair technicians and a respected reputation in the Bloomington area.
First-time homebuyers, homeowners, landlords, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
A home warranty can cover either the home appliances and systems, or both. Combination plans are great if you need more coverage for your home, but a systems or appliance only plan can be useful too if you want to save some money.
A home warranty policy can protect you from high-cost repair bills, but only if you buy a quality plan from a reputable company. When deciding which home warranty company to go with, you should look for things like its customer service and availability in your area. In addition, you should think about the type of coverage the company offers and what types of appliances and systems are protected. Homes that have appliances and systems on the older end may need a policy with more coverage.
Most home warranties will cover replacement costs in addition to repair costs. The coverage cap varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty plan can cost on average about $300 to $800 a year in Bloomington. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by choosing a higher service fee. Additionally, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. It's important to compare plans to determine what you're really getting for the price.
When living in a city like Bloomington, you may be wondering if issues like natural disasters are covered under a home warranty plan. Home warranties generally don't cover damage due to natural disasters, intentional breakage, or lack of proper maintenance.