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Best Home Warranty in Chicago, IL

best home warranty company in chicago review

Chicago, Illinois, is a fun and exciting place to be a homeowner. There are many different types of homes that you can purchase in the Chicago area, both in the city and suburbs. If you are lucky enough to call Chicago home, you likely know that not all parts of homeownership are great. Sometimes issues with appliances and systems can take away the great things about homeownership. In our guide featuring the top 6 best home warranty companies in Chicago, we will cover . . . 

  • Who needs a Chicago home warranty? 
  • Why a home warranty in Chicago is so important
  • The best home warranty companies in Chicago
  • How much an Illinois home warranty cost 
  • And much more . . .

A home warranty is a protection plan that ensures homeowners can keep their budget in place while still having working appliances and systems. Homeowners worried about a water heater or a sump pump breaking will have a hard time enjoying their homeownership. With the best home warranty plans in the Chicago area, homeowners will have peace of mind. Let’s take a look at the top six best Illinois home warranty companies in Chicago.

Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
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Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

The 6 Best Home Warranty Companies in Chicago

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Our highest-rated home warranty companies in Chicago include:

Compare Chicago Home Warranty Providers

There are dozens of home warranty plans in the Chicago area. Finding something that is a specific fit for your needs can be a bit tricky. Luckily we have taken all of the home warranty options on the market and carefully analyzed each and every one. We were able to look at things like coverage choices, pricing, service fees, customers service reviews, and more. This is how the top plans in Chicago rank. 

Provider

Visit Site

Best For

Monthly Cost

Service Fee

BBB Rating

Choice Home Warranty

Site

Best Overall

$40 – $48

$85

B-

American Home Shield

Site

Most Customizable

$50 – $60

$75 – $150

B

Select Home Warranty

Site

Most Affordable

$36 – $38

$60

B

Liberty Home Guard

Site

Best Reviewed

$40 – $60

$60

A

Cinch Home Services

Site

Best Workmanship

$28 – $40

$100 – $150

A-

ServicePlus Home Warranty

Site

Best Emergency Service

$41 – $45

$75 – $125

A

Chicago Home Warranty Costs 

The cost of a home warranty plan is very important. The overall reason to have a home warranty in place is to save money. The plan has to make sense for your budget and ultimately help you save money on your home warranty costs. We have done some in-depth research to ensure that you have an excellent understanding of what a home warranty in Chicago will cost. Homeowners that are shopping for a deal can use this information to help find the best overall pricing on the market. 

Type

Average Annual Premium

Overall

$727.13

Single Family Home

$593.32

Multi-Family

$1,107.47

Townhome

$498.24

Condo

$617.50

Duplex

$913.84

Home Over 5,000 sq ft

$1,294.73

Home Under 5,000 sq ft

$647.53

Chicago Home Warranty Company Reviews

As you read through our reviews of the best home warranty plans in Chicago, make sure that you consider the unique coverage necessary for your Chicago home. With all the options on the market, you will want to find a plan that covers the appliances and systems that matter the most to you. In addition, look for a workmanship guarantee that makes sense and a service fee that will fit your budget. 

1. Choice Home Warranty: Best Overall 

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 many 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.

This home warranty provider’s pricing, customer service, and quality will make you glad that Choice is a Chicago Home Warranty option.

Pros

Cons

  • Comprehensive coverage options 
  • Easy to understand service contract
  • Low pricing
  • Fair service fees 
  • Great customer service
  • Only two plans to choose from 
  • No custom plan options 

Plans and Pricing

There are only two home warranty plans from Choice; however, both of these plans contain both systems and appliances. If you are worried about having to pick and choose coverages for your home, the Choice Home Warranty helps ensure that your decisions are quite a bit easier. 

Plan

Cost Per Month

Service Fee

Basic Plan

$42

$85

Total Plan

$50

$85

Coverage:

The coverage from the Choice Home Warranty plan is quite impressive. Coverage limits are right around $3000, which is some of the highest on the market. If you live in a high-end Chicago home with expensive appliances and systems, Choice Home Warranty can give you the coverage you need. 

Customer Reviews:

Definitely recommend. A technician was at our house to fix the dryer the next day. I’ve had a positive experience with each of the multiple claims I have filed with Choice Home Warranty. Best home warranty service that I have dealt with.” Source

2. American Home Shield: Most Customizable 

The American Home Shield is the most customizable plan in Chicago. 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 build a plan. If you want something covering 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.

Pros

Cons

  • Customization of plan options
  • Can choose a pricing/service fee that works for your budget
  • More than 50 years of experience
  • High coverage caps
  • Large network of contractors 
  • Pricing of the plan tends to be a little higher than other home warranties 

Plans and Pricing

Getting to pick and choose the coverages associated with your plan will certainly help you save money. The service fee of the American Home Shield plan is also customizable; the higher the service fee, the lower the monthly payment you can pay. 

Plan

Cost Per Month

Service Fee

Silver Plan

$45

$75 – $125

Gold Plan

$55

$75 – $125

Platinum Plan

$79

$75 – $125

Coverage:

Coverage from American Home Shield is premium in every way. The coverage caps are high, the workmanship is professional, and the customer service is among the best in the industry. After fifty years in the industry, American Home Shield certainly knows what they are doing. 

Customer Reviews:

American Home Shield is the best annual investment we make to assure the value of our home continues to rise. The service for the covered items is simple to secure either by the website or by phone. The service fee is a value not common in today’s market for skilled professionals. The vendors who are contracted by American Home Shield are extremely skilled in their respective crafts, professional, and efficient. American Home Shield is the best professional services for our money.Source

3. Select Home Warranty: Most Affordable 

The 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 challenging to find.

Even though Select only offers two basic plans, the plans are affordable, and they are an excellent option for those that may be new to homeownership.

Pros

Cons

  • Clear and concise plan options
  • High workmanship quality
  • Free roof leak coverage with plan 
  • Affordable home warranty plan 
  • Coverage caps tend to be slightly lower 

Plans and Pricing

There are three home warranty plans from Select Home Warranty. The Platinum Care is the best overall option as it is just a few dollars more per month and it has a very reasonably priced service fee. If you want both system and appliance coverage, this is the way to go. 

Plan

Cost Per Month

Service Fee

Gold Care

$41

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage:

To make the plan as affordable as possible, Select Home Warranty had to cut coverage in one area. The coverage caps are lower than those with other home warranty companies in Chicago. If you have high-end systems and appliances, try to keep this in mind. 

Customer Reviews:

This home warranty company goes above, and beyond the call of duty I was able to get my HVAC in just one day, and it was a HOT day too.”  Source

4. Liberty Home Guard: Best Reviewed 

Liberty Home Guard is the best-reviewed home warranty in the Chicago area. Liberty Home Guard has a very high BBB of an A after just two years in the industry. This takes quite a bit of work and attention to detail for a home warranty company to get a high BBB rating. The Liberty Home Guard plan has extensive coverage that helps people who are worried about unique systems and appliances in their homes. 

With the Liberty Home Guard home warranty, you will also get a 60-day workmanship guarantee. With just a short time in the industry, Liberty Home Guard has over 10,000 certified contractors in place, and they all provide impressive service to your home. With Liberty Home Guard being a newer company, they are very responsive to your claims and will respond quickly to your request for service. 

Pros

Cons

  • Impressive BBB rating
  • Great customer service
  • A long list of add on coverage options 
  • 60 Day Workmanship guarantee 
  • Newer company with slightly less experience 

Plans and Pricing

The three Liberty Home Guard plans include a systems plan, appliance plan, and Total Home Guard plan. The Total Home Guard is the most popular option because it has both system and appliance coverage. When it comes to service fees, Liberty Home Guard is fairly priced. 

Plan

Cost Per Month

Service Fee

Systems Guard

$49.99

$60

Appliance Guard

$44.99

$60

Total Home Guard

$54.99

$60

Coverage:

The coverage associated with the Liberty Home Guard plan is above average. When you add in some of the optional coverages, the plan becomes extensive. However, these optional coverages will come at a higher cost. 

Customer Reviews:

I called in today and had the opportunity to be assisted by a really helpful young man named ******* When your garage door stops working, and you need to get it fixed -life *****, but ****** was actually fun to chat with while he processed my claim. It’s nice to find someone who is personable and helpful and genuinely cares. Liberty Home Guard has some great staff, and ****** proved himself an asset to the ranks. I highly recommend this company and its services. They make my life less stressful as a new homeowner.” Source

5. First Premier Home Warranty: Best Coverage 

The First Premier Home Warranty offers the best coverage for Chicago homeowners. With the First Premier Home Warranty, you will get a tremendous number of coverage options for a very fair price. The BBB rating from First Premier is one of the highest in the industry, and they have only been on the market for a year. With the First Premier Home Warranty, you will get quick response times and the ability to quickly submit a claim. 

Customers who want a blanket-like coverage that takes care of the majority of home systems and appliances for a very fair price will enjoy what the First Premier Home Warranty has to offer. We are impressed with how quickly First Premier responds to claims and how eager they are to grow their home warranty business. 

Pros

Cons

  • New company eager to earn business
  • Impressive BBB rating for a new home warranty brand 
  • Fairly priced policies 
  • Easy to submit claims and requests
  • Quick response times 
  • Have not been on the market for long 

Plans and Pricing

There are only two First Premier home warranty options on the market. The Platinum Plan is the best overall choice with more than 18 covered items and a very reasonably priced service fee. 

Plan

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage:

The coverage from the First Premier home warranty is extensive; however, the coverage caps are minimal. Coverage caps from this company will be just a fraction of what they are with companies like Choice and American Home Shield. However, for a Chicago homeowner that is not good at picking and choosing coverages for their home, this is a great option to consider. 

Customer Reviews:

I love this company I had three home warranty companies in the past that were horrible, and I was about to give up on the home warranty idea; the first premier lived up to their standards my ac unit went out, and it was about 97 degrees they sent out a tech in 6 hours and got that fixed and even offered me to replace it with a brand new one once I saw how good there turnaround was and how they performed I enrolled my other 2 properties and I couldn’t be more happier definitely recommend 5 stars!!!!!”Source

6. Cinch Home Services: Best Workmanship

The Cinch Home Services offers the best workmanship in Chicago. Every Cinch Home Services plan comes with a 180-day workmanship guarantee, something that is considerably longer than other home warranty plans on the market. For a full 180 days after having a system or appliance repaired, you will not have to pay an additional service fee should that item break again. This helps ensure that the workmanship from Cinch Home Services is among the best on the market. 

For more than 40 years, Cinch Home Services has helped Chicago homeowners keep their homes up and running. The Cinch Home services plan focuses strongly on preventative maintenance in addition to repair. Each year they give customers credit towards AC filters that can be used to ensure that the systems in the home do not break down. 

Pros

Cons

  • 180-day workmanship guarantee
  • Great customer service
  • More than 40 years in the industry 
  • Extensive coverage options 
  • Service fees are higher 

Plans and Pricing

The Cinch Home Services plan offers customers some great options. Service fees from Cinch are higher than others on the market, but the good news about this is the workmanship guarantee will ensure you don’t have to pay repeat service fees. In addition, the service fee will impact the monthly pricing, so keep that in mind as you price out your plans. 

Plan

Cost Per Month

Service Fee

Appliances Plan

$44.99

$100 – $150

Built-In Systems Plan

$51.99

$100 – $150

Complete Home Plan

$61.99

$100 – $150

Coverage:

Coverage from Cinch Home Services is some of the best on the market. The appliances and systems in your home are adequately covered under the Cinch Home Services plan. In addition, there are add-on coverages for things like pools and spas that can easily enhance your home warranty policy. 

Customer Reviews:

Total Protect has provided up with outstanding service. Anytime we need a repair, the contractors are courteous and professional, and then the issue is addressed promptly. Thanks for everything Total Protect/Homesure of America, Inc.! Source

What Does a Home Warranty Cover in Chicago

Now that you have a better idea as to which home warranties are the best for Chicago residents, it’s time to consider what this home warranty can actually cover. Each individual covered appliance or system on your plan, like the sewer line, plumbing system, or furnace will have its own details about the coverage. In addition, each covered item will have a coverage cap associated with it. Coverage caps can range in value from $100 to more than $3000. The higher coverage caps are for Chicago homes with high-end systems and appliances. 

When you experience an issue with a home system or appliance that was replaced to normal wear and tear, the home warranty will step in and help pay for it. Intentional breaks, misuse, or lack of maintenance will not be covered under a home warranty plan. In addition, a natural disaster that causes damages to home systems and appliances will also not be covered. 

Chicago homeowners can choose a home warranty plan with system coverage, appliance coverage, or both. With the change of seasons in Chicago and the overall comfort that both systems and appliances provide, most homeowners will choose a combo or comprehensive plan. 

Here are the common systems covered under a Chicago home warranty plan:

  • HVAC (heating and air conditioning) 
  • HVAC ductwork
  • Ceiling and exhaust fans
  • Plumbing system including stoppages
  • Electrical system
  • Water heater
  • Garbage disposal

Common appliances covered under Chicago home warranties include:

  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Clothes Washer
  • Clothes Dryer
  • Built-in microwave

Benefits of a Home Warranty in Chicago

A home warranty in Chicago or Rockford will bring about quite a few benefits for homeowners. When an expensive HVAC repair could have cost $1500 to fix, your home warranty will likely only have you paying the service fee. This is an impressive and essential feature to remember about your home warranty plan. Here are a few other benefits of having this home warranty in place. 

Peace of Mind

A home warranty gives homeowners peace of mind about their Chicago home. If you are worried about your budget and being able to afford an extensive repair or replacement, the home warranty can help. Peace of mind is difficult to achieve, and a home warranty certainly helps make it happen. 

Quality Contractors

Home warranty companies only work with quality contractors. The contractors must undergo certain training and qualifications to have a relationship with the home warranty provider. This can help to ensure that your appliances and systems are adequately cared for and you don’t experience further issues as a result. 

Fast Response Times 

The response times from a home warranty company are typically in the 24 to 48-hour window. This is considerably faster than trying to find a repair technician or contractor on your own. When you have an issue that comes up that is an inconvenience, having the home warranty in place will make a big difference. 

Final Thoughts

We hope that you now feel as though you can choose a Chicago warranty with complete confidence. There are plenty of great options out there, but the Choice Home Warranty stands out as the overall best. With Choice Home Warranty, you can expect quick response times, fair pricing, and some of the best comprehensive coverage on the market. Choice Home Warranty has more than 13 years on the market, and they will be able to handle any home warranty issue that comes your way. In addition to Choice Home Warranty, it makes sense to get a few other quotes. This will ensure that you are adequately prepared for any issues that can come your way. 

Curious about home warranties in other cities around the U.S.? Check out our articles on Omaha, Tucson, and Reno for further reading.

Our Rating Methodology 

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed up through routine check-ins. When we picked our top home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we’ve broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

FAQs for Home Warranties in Chicago, IL

What Is A Service Fee? 

A service fee is a price that you pay for an issue that comes up with your home system or appliance. The service fee is typically between $60 and $150, and it is a non-refundable fee. The service fee is typically the only charge associated with repairing your home system or appliance. Once your service fee is paid, the rest of your repair should be covered by the plan. 

Are Illinois Home Warranties Worth It? 

Typically it only takes one or two repairs to a system or appliance to justify the price that you pay for your home warranty plan. Home warranties also give Chicago homeowners peace of mind and make it easier to find a great contractor. This is a home savings plan that you will likely use more than your homeowner’s insurance. 

How Much Is An Illinois Home Warranty? 

An Illinois home warranty will vary in price from around $500 a year to over $1000 a year. The more coverage you ask for in a home warranty plan, the higher the price. An Illinois home warranty plan will have service fees and coverage caps that will impact the overall affordability of the plan. 

Do Home Warranties Cover Replacement Costs? 

A home warranty will cover replacement costs, however, the home warranty must have a high enough coverage cap to cover the cost of the replacement. In addition, replacement costs are not always going to cover the full cost of the replacement but they will cover a good portion to help you keep expenses in check. When it comes time to replace an appliance or system any price savings you can get is helpful.