Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Bloomfield gives homeowners some great living options and the opportunity to enjoy all four seasons. However, temperatures can put quite a strain on your home’s systems, such as your HVAC. A home warranty can offer you the peace of mind you need and shield your bank account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market is saturated with a lot of providers — all with different price points — so our team at Today's Homeowner has compiled this guide 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 more than 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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 has 3 simple plans, making the selection process and policy coverage easily comprehensible.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Bloomfield area.
To read more, visit our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, 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 more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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 has 2 simple plans, making the selection process and policy coverage easily comprehensible.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Bloomfield area.
To read more, visit our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, 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 more than 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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 simple plans, making the selection process and policy coverage easily comprehensible.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Bloomfield area.
To read more, visit our review of Select Home Warranty. To receive a free quote from Select Home Warranty, 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 more than 26 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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 simple plans, making the selection process and policy coverage easily comprehensible.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Bloomfield area.
To read more, visit our review of American Home Shield. To receive a free quote from American Home Shield, 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 more than 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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 has 3 simple plans, making the selection process and policy coverage easily comprehensible.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $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.
To read more, visit our review of Cinch Home Services. To receive a free quote from Cinch Home Services, 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 more than 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. 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. HSC has 2 simple plans, making the selection process and policy coverage easily comprehensible.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Bloomfield area.
To read more, visit our review of The Home Service Club. To receive a free quote from The Home Service Club, 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 replace 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 arranges 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 gives peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with modern appliances may not require a home warranty.
Home warranties protect your home's systems and appliances. Typical covered appliances include dishwashers, microwaves, garbage disposals, refrigerators, washers, dryers, and others. Protected systems include electrical, heating, air conditioning, and plumbing. Various home warranty plans offer additional coverage for septic systems, roof leaks, central vacuums, and even locksmiths. It's important for Bloomfield homeowners to understand most home warranty plans have a 30-day waiting period 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 pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Be diligent about completing preventative maintenance to help guarantee your next repair or replacement is covered.
Here are some key home warranty terms to know before signing a contract:
There are several key considerations when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically cover electrical, AC, plumbing, heating, and appliances, while more comprehensive options may also cover spas, roof leaks, well pumps, and pools. Look for a company that offers robust coverage options, 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, some homeowners prefer to choose a company with lower service fees to maximize savings on every claim. Some companies also eliminate deductibles for homeowners who don't file claims in a certain period.
A home warranty company's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Look at review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about providers. Good ratings and feedback suggest a company known for quality service.
Home warranty businesses keep networks of local professionals to handle repairs in your area. Contact potential providers to find out how many repair technicians they have in Bloomfield and get an idea for how fast your repairs might happen in an emergency situation. Larger networks raise the probability of getting qualified contractors to quickly service your home.
Home warranty providers sometimes include extras such as energy efficiency upgrades, coverage for smart home devices, and maintenance discounts. These extras can add value beyond repair coverage. Additional perks maximize the usefulness of the home warranty.
Since temperatures in Bloomfield can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks all of a sudden.
A home warranty also saves you time and energy. Instead of spending hours finding and choosing 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 added benefit of having a home warranty policy is that it can raise your home’s real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the provider you purchased your home warranty through.
One major drawback of home warranties is not everything you care about may be covered. It’s important to compare the different plans and get one that covers all the appliances, systems, and add-ons you need.
Plus, 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.
A home warranty plan costs, on average, about $300 to $600 a year in Bloomfield. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's often cheaper to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in a situation such as a fire or natural disaster. With homeowners insurance, you won't be able to file a claim should you need a new washing machine or oven, unless the damage is a result of a natural disaster, which is somewhat common in Bloomfield.
First-time homebuyers, home sellers, landlords, homeowners, and real estate agents can all get home warranty plans. A home warranty can help make your home 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 useful if you're concerned about one more than the other.
Generally, a home warranty policy lasts for a year and can be renewed annually. Some companies may offer month-to-month plans.
Generally, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who will pay the service fees. In Bloomfield, where the median home value is $512,202, having the seller pay for the home warranty can save you some money on your new home.
