Are you searching for the best home warranty in Chicago for your existing or new home?
Excellent! You are in the right spot! In this guide, you will find answers to essential questions like:
- Do you need a home warranty for your Chicago home?
- What should you think about when shopping for a protection plan in CHI?
- What plans are available for your home in Chicago?
- And more!
We’ve reviewed nearly 70 providers to find the best coverage options for you. Keep reading to find out how to choose the best protection for your property.
Limited Time: New Customers Get $50 Off
Limited Offer: $50 Off + 1 month free
Limited Time: $150 Off + 2 Free Months + roof coverage
More Than 10 Years on the Market
Most Comprehensive Coverage Available
Free Reservice Period for Parts
Emergency Service Available
Cheapest and Best Basic Plan ($34/m)Choice Home Warranty Review
American Home Shield is one of the first companies that started providing home warranty services to homeowners and real estate agents. The company offers a variety of contracts, including customized plans.American Home Shield Review
Majority of Client Reviews Online Are Positive
Clearest Terms and Conditions
Highest Contractor Professionalism
Best Gold Plan ("Platinum Care")Select Home Warranty Review
Customer Service Available 24/7
Least BBB Complaints
Great Reviews on Google Places
Reservice for Failed Parts
1 Free Month Upon Annual Sign-UpServicePlus Home Warranty Review
Low fee for contract transfer
Different plan types available
Low chance of payment delays
Clients praised prompt response
AHW Home Warranty Review
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
Top 3 Home Warranty Companies in Chicago (2021)
- Choice Home Warranty
- American Home Shield
- Select Home Warranty
|Company Name||Choice Home Warranty||American Home Shield||Select Home Warranty|
|Number of Plan Options||2 Plans||3 Plans||2 Plans|
|Monthly Plan Cost||$45 – $55||$35 – $65||$36 – $45|
|Reviews||Read Choice Home Warranty Reviews||Read American Home Shield Reviews|
Choice Home Warranty (Best Home Warranty in Chicago)
Choice Home Warranty is not just one of the best home warranty companies in Chicago it is one of the best in the nation. There are a lot of great things about Choice Home Warranty but one of the best is the simplicity of the plans.
With Choice Home Warranty, you will only get two plans; the first is more basic and the second is one of the more comprehensive plans on the market. If neither of these plans fit your needs exactly, you can add on more options.
The pricing, customer service, and quality from this home warranty provider will make you glad that Choice is a Chicago Home Warranty option.
- Home warranty covers both home appliances and home systems
- Limited number of exclusions
- Free quote for those that are interested in the plan
- Won’t turn down because of an old plumbing system, hot water heater, septic system, etc.
- There is no option for a custom plan
- Not available in all areas of the country, difficult to transfer plans
American Home Shield (Editors Choice)
American Home Shield is our editor’s choice. The main benefit of American Home Shield, when compared to Choice, is the flexibility and customization of the plan. American Home Shield home warranty offers the customer the ability to customize and built a plan. If you want something that covers your air conditioner but not your garbage disposal, you will have that option.
In addition, American Home Shield has been in the business for a while, and you can easily read home warranty reviews about this company. For the most part, they are known for their high levels of customer service and quick response times.
- Well respected across Chicago, Naperville, and the entire state of Illinois
- AHS gives customers the ability to customize a plan
- Very low chance of claim denial
- The pricing is high for the customized plan
- BBB rating is only a B
- Some optional coverages are very high priced
Select Home Warranty (Most Affordable)
Select Home Warranty is the most affordable option in Chicago. With the overall cost of living being a bit high in Chicago, it is nice to have a plan choice that is a bit more affordable.
The main thing that stands out with Select Home Warranty is the fact that you get free roof coverage with their Total Plan. When purchasing a home warranty, it’s common to see coverage for things like a heating system, washer, or even ductwork; however, roof coverage can be more difficult to find.
Even though Select only offers two basic plans, the plans are affordable, and they are a great option for those that may be new to homeownership.
- Very affordable plans
- Simple options to choose from
- Free roof coverage for the homeowner
- $75 Cancellation Fee
- Must file a claim quickly, or it could be denied
Compare Home Warranty in Chicago
The Windy City is a true mix of mid-western charm and the New York hustle and bustle. Nestled in Illinois along Lake Michigan, the city is full of exciting views, great sports, and diverse people.
To make the most out of your Chicago lifestyle, no matter if you live in a single-family home, townhome, or condo, a home warranty plan that fits into your budget and is available around the clock for a home system or appliance emergencies makes life a bit easier.
Please note: as a rule of thumb all companies that service Illinois residents should be able to serve you if you live in the CHI metro.
Top 5 Best Home Warranty Companies In Chicago
|Chicago Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|Total Home Protection||From $45.33 to $52||$75 flat rate|
|Amazon Home Warranty||From $42 to $52||$75 flat rate|
Who Needs A Home Warranty in Chicago, IL?
What's In This Guide?
Anyone can benefit from home warranty protection. However, it is even more important to purchase a service contract for your property during some situations.
Homeowners and Homebuyers
Whether you are currently a homeowner or are buying your first home, a home warranty can help you maintain your home investment. As a property owner, it is your responsibility to make all home repairs, especially in Chicago and the surrounding suburbs of Evanston, Naperville, Lincoln Park, and Wrigleyville.
However, many owners find themselves in a sticky situation when a significant system replacement is necessary because they do not have enough saved to pay for the entire job. When you put off repairs, it is difficult to get back on top of things.
So, it is always best to take care of any home service matters promptly. A home warranty plan ensures that you can get covered items repaired quickly, which takes a lot of stress out of homeownership.
Home Sellers and Real Estate Agents
You probably haven’t given much thought to needing a home warranty while your home is on the market, but that is one of the most critical times to protect yourself. Until you receive the buyer’s funds from closing, it is your responsibility to maintain the home.
That means if the water heater breaks the day before the finalization of the sale, you must pay out of pocket for it or reduce the price of the home to cover the repairs. When home components malfunction shortly before the new owner takes possession, it can cause a lot of tension in the transaction, and ultimately, the buyers could back out of the deal altogether.
So, many realtors gift their clients a transferrable home warranty. It protects the realtor’s interest in the sale, and when the property sells, the new owner receives the benefit of immediate protection for all of their covered components.
Renters and Landlords
Anyone who has had a difficult time getting repairs done in a home they rent knows it can be a massive headache. You pay your rent on time in good faith that the owners will do their best to properly maintain the property.
That does not always happen, though. It is often not the property holder’s intention to harm the tenant in any way, but they may be strapped for cash or have a difficult time finding a reputable contractor to do the work.
Investing in a home service plan from one of the best home warranty companies in Chicago gives you peace of mind on rental properties. You know a qualified service professional is just a phone call away 24/7/365.
Best Home Warranty In Chicago?
Choice Home Warranty ranks #1 for Chicago homeowners. Why? Because of their three comprehensive plans, their customer service availability 24/7 and their reservice for failed repairs.
What Should You Think About When Purchasing A Plan in Chicago, IL?
Each area has different factors that you need to consider if you want to get the best value out of your home warranty. The terrain, weather, location, and real estate trends in Chicago all affect your coverage needs.
People do not call Chicago the Windy City for no reason. It is cold, and during the winter, the winds blowing toward the city over Lake Michigan are bone-chilling. You probably do not need your air conditioner much because although the summer temperatures do get into the low to mid-80s during the hottest part of the day, nights are much cooler.
Chicago is the third-most populous city in the United States, with more than three million residents. It is on the shores of Lake Michigan, which provides visitors and natives breathtaking views from the many towering skyscrapers.
The terrain is not very exciting, as the city is in the center of the flat Chicago Plain, a former lake basin.
While the geography does not significantly affect homeowners, your home location can make it challenging to find a qualified contractor because you have so many underqualified service contractors to weed through. With a home warranty, all you have to do is submit your service request to your provider.
They will find a vetted service professional in their network to conduct a home inspection of the broken component within 24 to 48 hours. The best home warranty companies in Chicago offer free reservice on parts and contractor labor for 30 to 90 days.
Real Estate Data
Over the past year, home values have risen less than one percent, and Zillow predicts that there will be a 2.3 percent decrease over the next 12 months. Experts predict that the market will continue to slow for some time after that, too.
That means if you are selling your home, having a home warranty may make the difference in someone buying your home or one of several others listed nearby.
Are you considering Chicago as a potential location for your new home? If so, check out this video for a better idea of all the Windy City has to offer.
What Plans Are Available In Chicago?
Most home warranty companies in Chicago offer appliance, systems, and combination plans. Some providers only provide combo plans with tiers of protection. Below is a list with examples of what combination plans cover.
- Basic Plan – Cooktops, garage door openers, doorbells, garbage disposals, water heaters, dishwashers, electrical components, ductwork, plumbing stoppages, and more
- Premium Plan – Adds coverage for HVAC systems, refrigerators, built-in microwaves, washing machines, and clothes dryers.
In addition to the plans you can purchase, you can add protection for items that your policy does not include:
- Sprinkler systems
- Swimming pools
- Septic systems and sump pumps
- Well pumps
- Second refrigerators
- Trash compactors
- Limited roof leaks
If you have specialized systems on your property, it is a good idea to cover those items through a company that offers specialized coverage, adequate plan limits, and sufficient support for that component.
Is A Home Warranty Worth It In CHI?
It’s important to consider the cost vs. the value of a home warranty, especially living in Chicago.
Financial experts suggest that homeowners should have at least one percent of their home value or a dollar per square foot saved and expect to spend at least that much on repairs and maintenance annually.
If you do not have enough money in savings to pay for a total system replacement and still live comfortably afterward, a home warranty plan is worth every penny.
When purchasing a home service contract for your Chicago home, you can expect to spend between $450 and $650 annually. However, your costs could be less or more, depending on the coverage options you select.
Are There Home Warranty Regulations In Illinois?
In Chicago, the Department of Insurance (DOI) governs home warranty companies. That is a good thing for consumers because it means home warranty issuers are subject to similar laws to those governing homeowners insurance companies.
However, it means you need to check with the DOI to make sure the carrier you choose can issue home warranties in Illinois. If you have an issue with a home warranty company, you also can make submit a complaint to the DOI.
Home Warranty Reviews: Top 5 Companies In Chicago, IL
We are pretty confident that you now have the information you need to feel confident about choosing a home warranty provider in Chicago, IL. However, we do have one more tool to help you with your search.
Below is our list of the 5 best Chicago home warranty companies with a brief history, available plans, value-added features, and the pros and cons of choosing each.
Choice Home Warranty Review (Best Overall Home Warranty)
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have “Optional Coverage” for add on items most homeowners don’t usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor’s Choice)
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 – $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
- Most Expensive
Select Home Warranty Review (Most Affordable)
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 – $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
- Must report your issues within one day of noticing a problem
Total Home Protect Review
Why Do We Like Total Home Protect?
Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
- You Can Choose Your Own Technicians
- Roof Coverage
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
Final Thoughts On Home Warranties In Chicago, IL
Choosing the best home warranty in Chicago for your property is essential if you want to get the most value from your protection plan. However, with the information you now have, you should have no problem selecting a program that is just right for your property.
Whether you want a cost-effective package for your kitchen appliances or a complete home protection plan with high replacement cost limits for all of your home’s systems, start now by requesting a few quotes from top home warranty companies in Chicago.
Read Also: What Is The Best Home Warranty For Madison, WI?