Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
There are a lot of benefits of owning a home, but as your Springfield home ages, you may have to update or repair your systems and appliances. A home warranty plan can help protect you by lowering the costs of major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be difficult because of the sheer number of options available. If you're frustrated with trying to compare them all, keep reading for our guide to the top home warranty companies in Springfield.
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 Springfield residents. Liberty has 3 simple plans, making the selection process and policy coverage easily understandable. 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 offers 3 plans for Springfield homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which have a mix of system and appliance coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information, read our Liberty Home Guard 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 is the best overall home warranty for Springfield residents. Choice has 2 simple plans, making the selection process and policy coverage easily understandable. 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 offers 2 plans for Springfield homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information, read our Choice Home Warranty 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 is the most cost-effective home warranty for Springfield residents. Select has 3 simple plans, making the selection process and policy coverage easily understandable. 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 Home Warranty offers 3 plans for Springfield homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 per covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. For more information, read our Select Home Warranty 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 is the most customizable home warranty for Springfield residents. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. 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.
American Home Shield offers 3 plans for Springfield homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which have a mix of system and appliance coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. For more information, read our American Home Shield 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 is the best home warranty for appliance coverage for Springfield residents. First American has 2 simple plans, making the selection process and policy coverage easily understandable. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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 Home Warranty offers 2 plans for Springfield homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For more information, read our First American Home Warranty 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 is the home warranty with the best workmanship guarantee for Springfield residents. Cinch has 3 simple plans, making the selection process and policy coverage easily understandable. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services offers 3 plans for Springfield homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information, read our Cinch Home Services 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 is the best home warranty with the quickest service for Springfield residents. HSC has 2 simple plans, making the selection process and policy coverage easily understandable. 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 Springfield homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have 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 around $2,000 per covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. For more information, read our The Home Service Club 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 | $5,759 |
| Heating | $3,839 |
| Electrical | $576 |
| Toilets | $480 |
| Washer/Dryer | $768 |
| Plumbing | $576 |
| Oven | $1,536 |
| Fridge | $576 |
A home warranty is a protection plan that assists Springfield homeowners cut the high costs of household repairs. These plans provide financial coverage to repair or replace appliances and systems that break down from 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 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 buyers of older homes or homes with systems 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 cover your household systems and appliances. Typical covered appliances are washers, microwaves, dryers, refrigerators, garbage disposals, dishwashers, and more. Covered systems include electrical, plumbing, heating, and air conditioning. Various home warranty plans offer extra coverage for roof leaks, septic systems, central vacuums, and even locksmiths. Most home warranty plans require Springfield homeowners to wait 30 days before the plan will cover repairs. Moreover, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
There are several home warranty terms to know before signing an agreement, including:
When selecting a home warranty provider, there are several key factors to consider:
Home warranty policies vary widely in what they include. Most plans cover plumbing, heating, AC, electrical, and appliances. More robust plans also include coverage for other items such as pools, well pumps, spas, and roof leaks. Look for a provider that offers an extensive selection of coverage options, including upgraded plans. Flexibility is important when trying to fit a home warranty to your home's specific needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which is paid per repair request filed. These per-claim charges can add up. You may decide to look for companies with more affordable fees to maximize your savings on each claim. Some companies also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.
A home warranty company's reputation can offer insight into things such as contractor quality, approval rates for claims, speed of repairs, and customer satisfaction. Use third-party review sites such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research companies. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty providers maintain networks of local professionals to handle repairs in your area. Reach out to potential providers to ask how many repair contractors they have in Springfield and get an idea for how fast your repairs could take place in an emergency situation. More extensive networks improve the likelihood of getting qualified contractors to promptly service your home.
Some home warranty companies include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These extras can offer extra value beyond just repair coverage. Extra bonuses allow you to enhance your home and get the most from your warranty policy.
Temperatures in Springfield can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a good bit of use. As a homeowner in Springfield, one of the benefits of having a home warranty is that these home systems and major appliances can be covered if they need to be repaired or replaced.
Additionally, having a home warranty can save you some time by removing the need to research repair people — most providers will send a trusted professional right to your door to complete the necessary repair or replacement. Another added benefit of having home warranty coverage 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 provider you have your home warranty with.
One of the main 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 sign up for 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 haven’t been properly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, around $300 to $600 a year in Springfield. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. In addition, it's usually 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 home systems and appliances. A homeowners insurance plan protects a home in case of a situation such as a fire or natural disaster. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which can be a threat in Springfield.
A home warranty can help investors, home sellers, real estate agents, homebuyers, and homeowners. It can provide peace of mind and savings to anyone involved in homeownership.
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 useful if you're concerned about one more than the other.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
Generally, the homeowner is the one who is responsible for paying 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 given to the new homeowner, who will pay the service fees. In Springfield, where the median value of a home is $224,619, having the seller pay for the home warranty can be a good asset for your new home.
