6 Best Home Warranty Companies In Chicago, IL
Our guide on the top home warranty companies in Chicago can help you choose the perfect one for you.
Chicago is a wonderful area in the state of Illinois to be a homeowner. Buying a new home is just the beginning, however. You still have to maintain it, which can come with a fair amount of expenses. The cost of living for many is going up, and even just a rudimentary appliance or system repair could break a homeowner's budget.
Compare the Best Home Warranty Companies in Chicago
There are lots of home warranties that need to be sorted through for us to compile our guide of the best home warranty plans in Chicago. At Review Home Warranties, we evaluated each of these companies and ranked them based on the plan's features. The monthly costs, customer service reviews, workmanship guarantee, service fees, and years in the industry were all reviewed to find the best home warranties in the Chicago area. This is how the top providers in Chicago rank.
| Company Name | Choice Home Warranty | Liberty Home Guard | American Home Shield | |||
|---|---|---|---|---|---|---|
| Number of Plan Options | 2 | 3 | 3 | |||
| Monthly Plan Cost | $45.00 - $53.33 | $69.99 - $79.99 | $29.27 - $74.27 | |||
| Better Business Bureau Rating | B | A | B | |||
| Reviews | Reviews | Read Choice Home Warranty Reviews | Reviews | Read Liberty Home Guard Reviews | Reviews | Read American Home Shield Reviews |
Home Warranty Companies In Chicago
- Choice Home Warranty: Best Overall
- Liberty Home Guard: Most Trustworthy
- American Home Shield: Most Customizable
- Select Home Warranty: Most Cost-Effective
- First Premier Home Warranty: Best Coverage
- Cinch Home Services: Best Workmanship Guarantee
Chicago's Top Home Warranty Companies'
- Pros:
- Over 10 years of experience
- 24/7 customer service team
- Home inspections aren’t required
- 90-day repair guarantee
Choice Home Warranty is a good option for homeowners who need the best overall in Chicago. The home warranty company offers 2 plans to policyholders that have various system and appliance coverage options. Choice Home Warranty's plans are Basic Plan and Total Plan.
The coverage caps associated with Choice's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are $85. When you buy a plan from Choice, you can look forward to high coverage caps and a contract that's easy to understand.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Basic Plan | $45.00 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater. Basic Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Basic Plan Add On |
| Total Plan | $53.33 | $85.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater, AC, Washer, Dryer, Refrigerator. Total Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer. Total Plan Add On |
- Pros:
- 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
Liberty Home Guard has the most trustworthy home warranty for Chicago residents. Liberty offers 3 plans for homeowners to choose from, which contain a mix of system and appliance coverage. The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard.
Liberty's service fees are $75, and the coverage limits come out to around $3,000 for each covered system or appliance. Liberty has established itself as a company with guaranteed professionalism for every repair and some of the best customer service in the industry.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliance Guard | $69.99 | $75.00 | View Items Covered Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer. Appliance Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Appliance Guard Add On |
| Systems Guard | $74.99 | $75.00 | View Items Covered Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater. Systems Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Systems Guard Add On |
| Total Home Guard | $79.99 | $75.00 | View Items Covered Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer, Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater. Total Home Guard Included Item | View Add-on Items Pool, Saltwater pool, Spa, TV, PC, Pump, Generator, Free-standing ice maker, Septic tank pumping, Roof leaks, Pests, Water softener, Well pump, Wine refrigerator, Septic, Sprinkler, Locksmith, Trash compactor, Sump pump, Vacuum, Stand-alone freezer, Water dispenser. Total Home Guard Add On |
- Pros:
- 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
In Chicago, American Home Shield offers the most customizable home warranty option. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage. Homeowners can choose between American Home Shield's ShieldSilver, ShieldGold, and ShieldPlatinum and also add-on coverage.
The coverage caps associated with AHS's plans are close to the $2,500 mark for most of the major home systems and appliances, and service fees range from $70 to $125. When you buy a policy from AHS, you will get a customizable plan and a low claim denial rate.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| ShieldSilver | $29.27 - $44.27 | $75.00 - $125.00 | View Items Covered Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Locksmith, Plumbing, Plumbing stoppages, Toilet, Water dispenser, Water heater, Whole house fan. ShieldSilver Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldSilver Add On |
| ShieldGold | $39.27 - $54.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Toilet, Trash compactor, Washer, Water heater, Whole house fan. ShieldGold Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldGold Add On |
| ShieldPlatinum | $59.27 - $74.27 | $75.00 - $125.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Garage door, Heating system, Locksmith, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Roof leaks, Toilet, Trash compactor, Washer, Water dispenser, Water heater, Whole house fan. ShieldPlatinum Included Item | View Add-on Items Pool, Spa, PC, TV, Septic, Well pump. ShieldPlatinum Add On |
- Pros:
- 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
For homeowners who'd like the most cost-effective in Chicago, homeowners should consider Select Home Warranty. Select has 3 plans for you to decide between, which have a mix of appliance and system coverage. Its plans include Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
The coverage limits from Select are about $2,000. The service fees are $80, which is pretty reasonable. If you want an affordable service fee and free roof coverage, you'll want to have this plan on your side.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Bronze Care Plan | $57.67 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer. Bronze Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Bronze Care Plan Add On |
| Gold Care Plan | $57.67 | $60.00 | View Items Covered Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater. Gold Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Gold Care Plan Add On |
| Platinum Care Plan | $62.08 | $60.00 | View Items Covered Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages. Platinum Care Plan Included Item | View Add-on Items Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks. Platinum Care Plan Add On |
- Pros:
- Lower chance of claim denial
- Multiple optional coverage items
- 24/7 service calls
In Chicago, First Premier Home Warranty offers the best coverage home warranty policy. FPHW has 2 simple plans, making the selection process easy. The plans that FPHW offers to homeowners are Premier Plan and Platinum Plan.
FPHW's service fees are $75, and the coverage caps come out to around $1,500 for each covered system or appliance. If you're looking for a quality customer service team and coverage for your appliances and home systems at affordable prices, this is the home warranty for you.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Premier Plan | $35.00 | $75.00 | View Items Covered Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door, Microwave, Oven, Plumbing system, Plumbing stoppages, Sump pump, Trash compactor, Water heater. Premier Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Premier Plan Add On |
| Platinum Plan | $43.00 | $75.00 | View Items Covered Air conditioning, Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Dryer, Ductwork, Electrical, Garage door opener, Heating system, Microwave, Oven, Plumbing system, Plumbing stoppages, Refrigerator, Sump pump, Trash compactor, Washer, Water heater. Platinum Plan Included Item | View Add-on Items Pool, Spa, Septic, Well pump, Septic tank pumping, Roof leaks, Sprinkler, Free-standing ice maker, Stand-alone freezer, Water softener, Refrigerator ice maker, Vacuum. Platinum Plan Add On |
- Pros:
- Offers home insurance deductible of $500
- Extra long 180-day workmanship guarantee
- Offers free cancellation in the first 30 days
In Chicago, Cinch Home Services is the best workmanship guarantee home warranty . Cinch has 3 plans for homeowners to decide between, which have a combination of system and appliance coverage. Cinch Home Services' plans are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
Cinch's service fees range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 for each covered system or appliance. Plus, Cinch has a 180-day workmanship guarantee and a wide range of coverage options.
| Plan Name | Monthly Cost | Service Fee | Items Covered | Add-on Items |
|---|---|---|---|---|
| Appliances Plan | $34.99 - $50.99 | $75.00 - $150.00 | View Items Covered Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer. Appliances Plan Included Item | View Add-on Items Pool, Septic, Well pump. Appliances Plan Add On |
| Built-in Systems Plan | $39.99 - $57.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Smoke alarm, Attic fans, Bath exhaust fans, Ceiling fans, Disposal, Doorbell, Ductwork, Electrical, Garage door, Heating system, Plumbing, Plumbing stoppages, Septic tank pumping, Spa, Sump pump, Toilet, Vacuum, Water dispenser, Water heater, Whole house fan. Built-in Systems Plan Included Item | View Add-on Items Pool, Septic, Well pump. Built-in Systems Plan Add On |
| Complete Home Plan | $49.99 - $67.99 | $75.00 - $150.00 | View Items Covered Air conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Dishwasher, Disposal, Doorbell, Dryer, Ductwork, Electrical, Food center, Free-standing ice maker, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Septic tank pumping, Spa, Sump pump, Toilet, Trash compactor, Vacuum, Washer, Water dispenser, Water heater, Whole house fan. Complete Home Plan Included Item | View Add-on Items Pool, Septic, Well pump. Complete Home Plan Add On |
What does a Home Warranty Cover in Chicago?
Now that you have a better idea of which home warranty providers are the top ones in Chicago, you may be curious what their plans generally cover. The Chicago home warranty can cover anything from a dishwasher to a water heater and everything in between. Some home warranties will even cover your pool and spa.
The following are the systems that are often covered under a home warranty:
- HVAC (heating and air conditioning)
- Garbage disposal
- Ceiling and exhaust fans
- Water heater
- Plumbing system including stoppages
- HVAC ductwork
- Electrical system
The appliances commonly covered are ones like:
- Clothes Dryer
- Cooktop
- Clothes Washer
- Oven / Range / Stove
- Refrigerator
- Built-in Microwave
- Dishwasher
Cost of a Home Warranty in Chicago?
The cost of a home warranty plan is something that you should take into consideration when choosing a plan. We at Review Home Warranties have done some exhaustive research to ensure that you have a good grasp of what a home warranty in Chicago will cost. The home warranty costs for Chicago residents depends on the size or type of the home, as well as the type of coverage you want.
Premiums can be from $30 to $80 a month and service fees can be between $60 and $150 per contractor visit. How much it'll cost for sure is based on the plan's coverage. Add-ons will also raise the overall cost. Keep these costs in mind as you search for the right plan for your needs.
Is a Home Warranty Worth It in Chicago?
You may be thinking of purchasing a home warranty for many reasons. You might have some old systems and appliances that make you nervous when it comes to functionality. Whatever your reasons may be, it's necessary that you understand the pros and cons of the home warranty. Here are some of the benefits:
- Quality contractors--There are many quality contractors in the Chicago area, but finding one that is a good fit for your needs can be difficult. When you have a home warranty, the contractor situation is handled for you since home warranty companies have connections with contractors.
- Workmanship guarantee--If you're still experiencing issues with your appliance or system after it's been repaired, the workmanship guarantee ensures that you will continue getting service if the issue occurs again within the guarantee period.
- Fast response times--If you do not have a home warranty plan, you must search for a contractor, book them, and hope they come on time to fix the problem. However, with the quick response times of a home warranty, you will likely have your appliance or system fixed in a 24-48 hour period.
- Peace of mind--When an appliance or system stops working in your home, you can spend a lot of time worrying about the cost of the repair. A home warranty will give you peace of mind about how much it'll cost.
The potential disadvantages of a home warranty are also important to know about. Here are a few of them:
- Coverage limit--The coverage caps may be a drawback for some because the home warranty will only cover repairs and replacements below a certain amount.
- Waiting period--If you want to submit a claim soon after buying the home warranty policy, that generally isn't possible. Most home warranties have you wait 30 days before you can submit a claim.
A home warranty can also provide value in different ways. Namely, some home warranties can be transferred between owners during a home sale.
FAQ's for Home Warranties in Chicago
Which home warranty is the best?
The best home warranty provider in Chicago is Choice Home Warranty. Choice Home Warranty has good customer service and an expansive network of experienced service technicians in the area.
What's a home warranty?
A home warranty is a contract that covers repairing and replacing your major home system components and appliances if they break down unexpectedly.
How do you use a home warranty?
After you get a home warranty plan and an appliance or system breaks down, you need to file a claim. The home warranty company will send a technician to your home to evaluate the situation and repair the issue. Then, you will pay a service fee and the home warranty covers the remaining cost, as long as it is under the coverage cap.
Can a home warranty be transferred?
You can transfer your home warranty plan to someone else, including someone who's buying your home or a real estate agent.
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 we value in our review process:
- Plan options: Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics: The more items covered in a home warranty plan, the higher the score.
- Pricing: We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness: We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability: 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: 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: 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.