Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Springfield can be satisfying for many, but it also comes with its fair share of challenges. Home repairs can be an unforeseen financial burden for many homeowners. A home warranty can offer you the peace of mind you need and protect your bank account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be time-consuming, since there are lots of companies to choose from. That’s why the Today's Homeowner team did the research and made a list of the top home warranty companies in Springfield for you.
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 Springfield residents. Liberty has over 6 years of experience in the industry and in that time has built a an expansive network of service technicians in the country. 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. Liberty has 3 simple plans, making the selection process quick and easy.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. 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 company. Service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our Liberty Home Guard full review.
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 Springfield residents. Choice has over 15 years of experience in the industry and in that time has built a an expansive network of service technicians in the country. 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. Choice has 2 simple plans, making the selection process quick and easy.
Choice Home Warranty has 2 plans that offer a combination of appliance and system 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 be sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our Choice Home Warranty full review.
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 Springfield residents. Select has over 11 years of experience in the industry and in that time has built a an expansive network of service technicians in the country. 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. Select has 3 simple plans, making the selection process quick and easy.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. 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 company. Service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our Select Home Warranty full review.
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 Springfield residents. AHS has over 26 years of experience in the industry and in that time has built a an expansive network of service technicians in the country. 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. AHS has 3 simple plans, making the selection process quick and easy.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. 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 company. Service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our American Home Shield full review.
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 Springfield residents. First American has over 39 years of experience in the industry and in that time has built a an expansive network of service technicians in the country. 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. First American has 2 simple plans, making the selection process quick and easy.
First American Home Warranty has 2 plans that offer a combination of appliance and system coverage. 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 company. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our First American Home Warranty full review.
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 Springfield residents. Cinch has over 44 years of experience in the industry and in that time has built a an expansive network of service technicians in the country. 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. Cinch has 3 simple plans, making the selection process quick and easy.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. 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 company. Service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our Cinch Home Services full review.
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 Springfield residents. HSC has over 15 years of experience in the industry and in that time has built a an expansive network of service technicians in the country. 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. HSC has 2 simple plans, making the selection process quick and easy.
The Home Service Club has 2 plans that offer a combination of appliance and system coverage. 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 company. Service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our The Home Service Club full review.
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 | $5,655 |
| Heating | $3,770 |
| Electrical | $565 |
| Toilets | $471 |
| Washer/Dryer | $754 |
| Plumbing | $565 |
| Oven | $1,508 |
| Fridge | $565 |
A home warranty is a protection policy that helps lower expenses for Springfield homeowners needing appliance and system repairs. These plans provide coverage to repair or replace appliances and systems that break due to normal wear and tear.
Homeowners file 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 policy gives homeowners a sense of security since it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not require a home warranty.
Home warranties protect many household systems and appliances. Common covered appliances are refrigerators, microwaves, dryers, garbage disposals, dishwashers, washers, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty plans offer additional coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Springfield should understand that most home warranty plans have a 30-day waiting period before repair claims will be approved. Most policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or improperly using a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Home warranties use several terms that you'll want to learn before signing a contract, such as:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty plans vary widely in what they include. Most plans cover electrical, heating, AC, plumbing, and appliances. More comprehensive options also extend protection to other items such as roof leaks, spas, well pumps, and pools. Look for providers with flexible coverage choices, including upgraded plans. This helps you tailor protection to your home's needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for providers with more affordable fees to maximize your savings on each claim. Some providers also offer disappearing deductibles when customers go a period with no claims filed.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Look at third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and reviews indicate that a provider is known for quality service.
Home warranty companies have networks of contractors that they use to tackle covered repairs. Larger networks increase the likelihood of getting qualified contractors to your home promptly. Reach out to possible providers to ask how many contractors they have in Springfield to understand how long repairs could take in an urgent situation.
Some home warranty providers provide bonuses such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks can add value beyond repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Since temperatures in Springfield can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
A home warranty also saves you time and energy. Instead of spending hours researching and selecting a technician 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 added benefit of having a home warranty plan is that it can raise your home’s property value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you have your home warranty with.
One of the major drawbacks of a home warranty is not every home system and appliance you care about may be covered. It’s important to research the different policies and opt for one that covers all the appliances, systems, and add-ons you need.
Another consideration is that home warranties usually only cover repairs needed due to normal wear and tear. They most likely won’t cover home systems or appliances that have been damaged due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty in Springfield can cost between $30 and $60 a month. The higher-priced plans usually have higher coverage limits, a lower service fee, and broader coverage. You can often lower this cost by paying 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 sorts of damage they cover. Home warranties cover problems 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 the entire home from natural disasters, which can sometimes be a concern in Springfield. It doesn't cover a typical appliance or system damage.
A home warranty can help homebuyers, investors, real estate agents, homeowners, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty will cover your systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be helpful if you want to save some money.
Home warranty plans usually last a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Springfield, where the median value of a home is $162,695, having the seller pay for the home warranty can save you some money on your new home.
