Written By David Cusick
Last Updated February 2024
Homeownership in Bloomington can be exciting for many people, but it also comes with its fair share of challenges. Updating your home’s systems and appliances can be an unanticipated financial burden for many homeowners. A home warranty in Bloomington can help reduce your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that malfunction due to normal wear and tear.
The home warranty market has many providers — all with different coverage — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Bloomington.
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 is the most trustworthy home warranty for Bloomington residents. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
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 is the best overall home warranty for Bloomington residents. 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. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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. 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 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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. 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. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500 at the maximum.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
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. 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. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
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 about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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. 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 warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically about $2,000 at the maximum.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $6,596 |
Heating | $4,397 |
Electrical | $660 |
Toilets | $550 |
Washer/Dryer | $879 |
Plumbing | $660 |
Oven | $1,759 |
Fridge | $660 |
A home warranty is a protection plan that assists Bloomington homeowners lower the high costs of household repairs. These plans offer financial protection to repair or replace appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is particularly helpful for those living in older houses or houses with fixtures near the end of their life span. However, people with newer homes and working appliances may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include washers, dishwashers, microwaves, dryers, garbage disposals, refrigerators, and more. Covered systems include electrical, plumbing, heating, and air conditioning. Many home warranty plans also offer add-on coverage options for central vacuums, locksmiths, septic systems, and even roof leaks. It's important for Bloomington homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. Most policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should understand 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 provide coverage for plumbing, heating, electrical, AC, and appliances. More inclusive options also include protection for other items such as pools, well pumps, spas, and roof leaks. Look for a provider that offers comprehensive coverage choices, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, you may want to choose a company with lower service fees to maximize savings on every claim. Some companies also do away with deductibles if a customer goes a period of time without filing any claims.
A home warranty company's reputation gives insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Use review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies keep networks of contractors to handle covered repairs. Wider networks raise the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Bloomington to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty providers may include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can provide extra value beyond just repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Since temperatures in Bloomington can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Getting a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Along with saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the headache of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted technicians who can handle any repair issues you may experience. A home warranty can also provide value in other ways. For example, some plans can be transferred to another owner when you sell your home.
One disadvantage of signing up for a home warranty is that there are usually exclusions. For instance, 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 thoroughly to understand what is included and what isn’t.
Another drawback is that home warranties may exclude some repairs, like those due to natural disasters. For example, if your HVAC system is damaged from an animal infestation, the impacted systems and appliances most likely won’t be covered by the home warranty.
A home warranty costs, on average, around $300 to $600 a year in Bloomington. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of a situation such as a fire or natural disaster. With homeowners insurance, you will not be able to file a claim if you need a new washing machine or stove, unless the damage is due to a natural disaster, which is somewhat common in Bloomington.
A home warranty policy can help homebuyers, homeowners, investors, home sellers, and real estate agents. It can provide peace of mind to anyone involved in homeownership.
A home warranty plan will cover your home’s systems, appliances, 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 usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Usually the one who owns the home pays for the home warranty. In some cases, however, the one selling the home may buy a home warranty plan and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Bloomington is $356,919, a home warranty can save you some money when buying a home.