Written By Todays Homeowner Local Pros
Last Updated June 2023
If you're considering purchasing a home warranty, our guide on the best providers in Springfield can help. Although homeownership in Springfield has many advantages — such as life in a vibrant city — there are also not so glamorous sides, similar to owning a house anywhere else. One major hassle many homeowners have to deal with eventually is updating or repairing their appliances and home systems.
A home warranty in Springfield can help cut your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear. Finding the best home warranty on the market can be quite time-consuming as there are so many companies to decide between. That's why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Springfield for you.
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
In Springfield, Choice Home Warranty is the best overall home warranty. 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. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. 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.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $85.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our detailed review of Choice Home Warranty.
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 in Springfield. Select has been in business for about 11 years, making it a respected company in the industry. 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 plans for homeowners to choose from.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. 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.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our comprehensive 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
In Springfield, American Home Shield is the most customizable home warranty. AHS has been in the home warranty industry for about 26 years. 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. AHS has 3 plans for homeowners to decide between.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Springfield area.
To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. To read more, visit our American Home Shield Review.
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 in Springfield. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 simple plans, making the selection process and policy coverage easily understandable.
The Home Service Club offers 2 plans for Springfield homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our review of The Home Service Club to learn more.
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
Liberty Home Guard offers the most trustworthy home warranty for Springfield residents. Liberty has been operating for over 6 years, making it a highly regarded company in the industry. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 home warranty plans that Liberty offers include differing levels of system and appliance coverage, as well as add-on options.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $75.
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 detailed review of Liberty Home Guard.
Total Home Guard
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 Springfield residents. Cinch has over 44 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. 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 3 plans from Cinch Home Services 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 make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our comprehensive review of Cinch Home Services to learn more.
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 money savings plan that helps homeowners account for the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make it easier to budget and manage your finances. A home warranty plan typically has a 30-day waiting period from the time you pay to when you can file your first claim.
Filing a claim with your home warranty company is straightforward. There will be an online portal or a direct phone number to request service for a repair or replacement.
Once you submit the claim, it will be assigned to a local repair person that will come to your home and fix the issue. At this point, you pay the service fee. Service fees typically range in price from about $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty plan will cover systems and appliances that have stopped working from normal wear and tear. For instance, if your refrigerator suddenly stops working under normal use conditions, you can call your home warranty company. Appliances covered under a home warranty plan are typically the garbage disposal, dishwasher, refrigerator, dryer, microwave, and more. Systems that are covered include air conditioning, plumbing, heating, and electrical systems.
You can also optionally opt to pay extra for add-on coverage for items such as roof warranty, septic systems, spas, and swimming pools.
Springfield homeowners should be aware that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like cosmetic issues, misuse of a system or appliance, pre-existing conditions, or natural disasters. You need to keep up with preventative maintenance on your home systems and appliances to be sure that your next repair or replacement-related problem will be covered by the policy.
Springfield's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty is designed to cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending a lot of money out of pocket.
Additionally, having a Springfield home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you've been benefiting from.
As for the downsides of home warranties, coverage varies by company, so it's important to understand what each plan covers and doesn't include in the contract.
Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Determining the right company for your home warranty is a step you can take to help protect your property. Options can vary, so take into consideration the following factors when choosing a home warranty plan:
The best overall home warranty company in Springfield is Choice Home Warranty, but the best company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty can help homebuyers, investors, real estate agents, homeowners, and home sellers. It can provide peace of mind to anyone involved in homeownership.
A home warranty plan can cover either your home's 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.
Many homeowners feel like a home warranty is worth the money because it can help protect against unexpected expenses, and saving money is important with the cost of living going up a lot in Springfield. If you're worried about your budget and your ability to keep your home in good working order, getting a home warranty can help. One of the big advantages of a home warranty is that it can give you some financial peace of mind.
The service fee is the price you pay every time there's an issue with a system or appliance and you file a claim with your home warranty. Service fees are commonly between $60 and $150.
When living in a city like Springfield, you may be wondering if problems like natural disasters are covered under a home warranty policy. Home warranties usually don't cover damage due to intentional breakage, lack of proper maintenance, or natural disasters.