Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Although homeownership in Chicago Ridge has many benefits — such as being surrounded by nature — there are also not so glamorous sides. One major headache many homeowners have to deal with eventually is updating or repairing their home systems and appliances. A home warranty plan can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be difficult, as there are so many companies to decide between. That’s why the Today's Homeowner team did the research and made a list of the best home warranty companies in Chicago Ridge 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
In Chicago Ridge, Liberty Home Guard is the most trustworthy home warranty. Liberty has about 6 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty offers 3 plans for homeowners to choose from.
Liberty Home Guard offers 3 plans for Chicago Ridge homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our review of Liberty Home Guard to learn more.
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
In Chicago Ridge, Choice Home Warranty is the best overall home warranty. Choice has about 15 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice offers 2 plans for homeowners to choose from.
Choice Home Warranty offers 2 plans for Chicago Ridge homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our review of Choice Home Warranty to learn more.
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
In Chicago Ridge, Select Home Warranty is the most cost-effective home warranty. Select has about 11 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for homeowners to choose from.
Select Home Warranty offers 3 plans for Chicago Ridge homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also around $2,000.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our review of Select Home Warranty to learn more.
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
In Chicago Ridge, American Home Shield is the most customizable home warranty. AHS has about 26 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS offers 3 plans for homeowners to choose from.
American Home Shield offers 3 plans for Chicago Ridge homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our review of American Home Shield to learn more.
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
In Chicago Ridge, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has about 44 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch offers 3 plans for homeowners to choose from.
Cinch Home Services offers 3 plans for Chicago Ridge homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also around $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our review of Cinch Home Services to learn more.
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
In Chicago Ridge, The Home Service Club is the best home warranty with the quickest service. HSC has about 15 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for homeowners to choose from.
The Home Service Club offers 2 plans for Chicago Ridge homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also around $2,000.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our review of The Home Service Club to learn more.
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 | $6,247 |
| Heating | $4,165 |
| Electrical | $625 |
| Toilets | $521 |
| Washer/Dryer | $833 |
| Plumbing | $625 |
| Oven | $1,666 |
| Fridge | $625 |
A home warranty is a protection policy that helps reduce the high costs for Chicago Ridge homeowners needing appliance and system repairs. These plans provide financial 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 company 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 gives reassurance to homeowners because it helps prevent costly emergency repairs. Home warranties are the most useful for older houses or those with aging systems. New homes with up-to-date appliances may not need a home warranty.
Home warranties protect many home systems and appliances. Common covered appliances are washers, dishwashers, garbage disposals, microwaves, refrigerators, dryers, and more. Covered systems include air conditioning, electrical, heating, and plumbing. Many home warranty plans offer add-on coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Chicago Ridge homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or misuse of a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Home warranty contracts use several terms that you'll want to know before signing, such as:
When choosing a home warranty provider, there are several important factors to consider:
Home warranty coverage varies, although most plans cover heating, AC, plumbing, electrical, and appliances. More inclusive plans may also include other things such as well pumps, pools, roof leaks, and spas. Look for providers with a diverse range of coverage options, including upgraded plans. This allows you to tailor protection to your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-repair charges can potentially accumulate over time, so some homeowners prefer using companies with lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's reputation can provide insight into things such as approval rates, repair timeliness, contractor quality, and customer satisfaction. Browse review platforms such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research companies. Positive ratings and feedback indicate a provider known for great service.
Home warranty companies have networks of local professionals to handle repairs in your area. Reach out to potential providers to ask how many repair technicians they have in Chicago Ridge and get an idea for how fast your repairs could take place in an emergency situation. Larger networks raise the chances of getting qualified contractors to swiftly service your home.
Some home warranty companies provide bonuses such as maintenance discounts, energy efficiency upgrades, and smart home device protection. These perks add value beyond just repair coverage. Extra bonuses can maximize the usefulness of the home warranty.
Temperatures in Chicago Ridge can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a lot of use. As a homeowner in Chicago Ridge, 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.
On top of saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may come across. In addition, though home warranty companies vary, some providers will let you transfer your warranty if you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.
One of the main drawbacks of home warranties is not every home system and appliance you care about may be covered. It’s important to research the different plans and select one that covers all the appliances, systems, and add-ons you need.
Another pain point of home warranties is that they don’t cover systems or appliances that have been improperly maintained. This can lead to your repair requests 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 policy costs, on average, around $300 to $600 a year in Chicago Ridge. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's usually less expensive 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 covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in a situation such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim if you need a new dryer or oven, unless the damage is a result of a natural disaster, which can be a threat in Chicago Ridge.
A home warranty can help real estate agents, homeowners, home sellers, homebuyers, and investors. It can offer peace of mind to anyone involved in homeownership.
A home warranty plan will cover your appliances, systems, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Home warranty plans usually provide coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Typically, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Chicago Ridge, where the median value of a home is $194,454, having the seller pay for the home warranty can save you some money on your new home.
