Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
Bloomfield gives homeowners some great housing options and the opportunity to enjoy all four seasons. However, temperatures can do a number on your home’s systems, such as your HVAC. A home warranty in Bloomfield 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 is saturated with a variety of providers — all with different offerings — so the Today's Homeowner team has done the research to help you choose the best home warranty companies in Bloomfield.
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 in Bloomfield. Liberty has been in the home warranty business for over 6 years. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and have a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. The coverage limits from Liberty are around $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Bloomfield area.
Read our Liberty Home Guard full review to learn more. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
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 in Bloomfield. Choice has been in the home warranty business for over 15 years. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and have a mix of both system and appliance coverage.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Bloomfield area.
Read our Choice Home Warranty full review to learn more. To get a free quote from Choice Home Warranty, you can 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 in Bloomfield. Select has been in the home warranty business for over 11 years. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and have a mix of both system and appliance coverage.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage limits from Select are around $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Bloomfield area.
Read our Select Home Warranty full review to learn more. To get a free quote from Select Home Warranty, you can 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 in Bloomfield. AHS has been in the home warranty business for over 26 years. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and have a mix of both system and appliance coverage.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Bloomfield area.
Read our American Home Shield full review to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
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 in Bloomfield. Cinch has been in the home warranty business for over 44 years. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and have a mix of both system and appliance coverage.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Bloomfield area.
Read our Cinch Home Services full review to learn more. To get a free quote from Cinch Home Services, you can 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 in Bloomfield. HSC has been in the home warranty business for over 15 years. 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, HSC is the perfect provider 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. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Bloomfield area.
Read our The Home Service Club full review to learn more. 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
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 | $6,949 |
| Heating | $4,632 |
| Electrical | $695 |
| Toilets | $579 |
| Washer/Dryer | $926 |
| Plumbing | $695 |
| Oven | $1,853 |
| Fridge | $695 |
A home warranty is a protection plan that helps cut costs for Bloomfield homeowners needing appliance and system repairs. These plans provide coverage to repair or swap out appliances and systems that break due to normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty provider then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty plan gives homeowners a sense of security since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties cover many household systems and appliances. Warranties usually cover appliances such as washers, refrigerators, dishwashers, microwaves, garbage disposals, dryers, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty companies also provide additional coverage for septic systems, roof leaks, central vacuums, and locksmiths. It's important for Bloomfield homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some essential home warranty terms to know before signing a contract:
When selecting a home warranty provider, there are several important factors to consider:
Home warranty coverage varies widely in the items that are included. Most plans cover AC, electrical, heating, plumbing, and appliances. More inclusive options also cover other items such as pools, spas, well pumps, and roof leaks. Look for a provider that offers robust coverage options, including upgraded plans. You want the flexibility to customize coverage to fit your home's specific needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with more affordable fees to maximize savings on every claim. Some companies also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation can offer insight into things such as speed of repairs, contractor quality, approval rates for claims, and customer satisfaction. Look at third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Positive ratings and reviews indicate that a company is known for quality service.
Home warranty providers have networks of contractors to handle covered repairs. More extensive networks raise the probability of getting qualified technicians to quickly service your home. Contact potential providers to find out how many contractors they have in Bloomfield to get a sense of how quickly your repairs could happen in an emergency.
Some home warranty plans offer extras such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These perks can add value beyond just repair coverage. Added bonuses can maximize the usefulness of your home warranty.
Home warranty plans are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Bloomfield hitting an average high of 60℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can significantly lower out-of-pocket expenses should your HVAC system stop working.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting a contractor to fix your appliance or system, home warranty companies 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. This can make your house more attractive to potential homebuyers and help your house sell faster.
One of the major drawbacks of a home warranty is not every home system and appliance may be covered. It’s important to weigh the different plans and purchase one that covers all the appliances, systems, and add-ons you need.
Another possible pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being denied, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Bloomfield can cost between $30 and $60 a month. The higher-priced plans typically have broader coverage, a lower service fee, and higher coverage limits. This cost is often lower if you pay annually instead of monthly. Some providers will also decrease your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of plan that protects your entire home from natural disasters, which can sometimes be a concern in Bloomfield. It doesn't cover a normal appliance or system damage.
First-time homebuyers, homeowners, landlords, real estate agents, and home sellers 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 policy 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 a good idea if you want to save some money.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the one who owns the home pays for the home warranty. In some cases, however, the one selling the home may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then be responsible for the service fees when using the policy. Since the average home value in Bloomfield is $512,202, a home warranty can save you some money when buying a home.
