7 Best Home Warranty Companies In Chicago, IL

Looking for the best home warranty provider for your home in Chicago? We can help.

If you're lucky enough to live in Chicago, you are surely aware that homeownership isn't always smooth sailing. When an appliance or system fails unexpectedly, it can cause you some stress. Getting a professional repairperson and then having the repair completed within budget can be a hard task.

Compare the Best Home Warranty Companies in Chicago

There are several home warranty plans for Chicago homeowners. This is a lot of information for homeowners to digest and it can be quite the task to figure out which of these home warranties would be right for your needs. At Review Home Warranties, we compared coverages, customer service reviews, service fees, BBB ratings, and more. These are the rankings for the top home warranty plans in Chicago.

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

  1. Choice Home Warranty: Best Overall
  2. Liberty Home Guard: Most Trustworthy
  3. American Home Shield: Most Customizable
  4. Select Home Warranty: Most Cost-Effective
  5. Cinch Home Services: Best Workmanship Guarantee
  6. First Premier Home Warranty: Best Coverage
  7. The Home Service Club: Best Quick Service

Chicago's Top Home Warranty Companies'

#1 Choice Home Warranty

Editorial Rating 98.5

    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

#2 Liberty Home Guard

Editorial Rating 98

    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

#3 American Home Shield

Editorial Rating 97.6

    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

#4 Select Home Warranty

Editorial Rating 97.2

    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

#5 Cinch Home Services

Editorial Rating 96.5

    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

#6 First Premier Home Warranty

Editorial Rating 95.7

    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

#7 The Home Service Club

Editorial Rating 95.3

    Pros:
  • 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

The Home Service Club is a great option for homeowners who want the best quick service in Chicago. The 2 plans from HSC are easily comprehensible and have a mix of both system and appliance coverage. The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan.

The coverage caps associated with HSC's plans are close to the $2,000 mark for many of the major systems and appliances, and service fees are $60, $75, or $95, depending on the plan you choose. With a home warranty from HSC, you can benefit from quick coverage just 10 days after purchasing the policy and a 30-day labor guarantee and a 90-day parts guarantee.

Plan Name Monthly Cost Service Fee Items Covered Add-on Items
Standard Coverage Plan $50.40 $60.00 - $95.00

View Items Covered

Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater.

Standard Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Standard Coverage Plan Add On

Comprehensive Coverage Plan $62.90 $60.00 - $95.00

View Items Covered

Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan.

Comprehensive Coverage Plan Included Item

View Add-on Items

Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer.

Comprehensive Coverage Plan Add On

What does a Home Warranty Cover in Chicago?

A home warranty plan in Chicago is there to protect against normal wear and tear of systems and appliances in the home. The aim of a home warranty is to help protect against expenses of repairing and replacing your systems and appliances like your microwave or plumbing. If your home has a pool and spa, this is something to consider as well.

Some of the most common system coverages included under a home warranty in Chicago are:

  • HVAC (heating and air conditioning)
  • Electrical system
  • Plumbing system
  • Water heater

The appliances commonly covered are ones like:

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

Cost of a Home Warranty in Chicago?

The main advantage of having a home warranty plan in place is to save you money. The plan you get has to stick to your budget so it can be of financial benefit. The cost of a home warranty plan will vary depending on the coverage choices, the size of your home, and the service fee that you pick.

Your premium can be from $30-$80 per month, and $60-$150 for the service fee you'll pay every time a contractor visits your home for a repair. The exact amount you'll pay depends on the type of coverage the plan offers. Also, if you want any add-ons, that will affect the cost. Keep these averages in mind as you do your research on the plan options that are available to you.

Is a Home Warranty Worth It in Chicago?

When shopping for a home warranty, there are some pros and cons you should bear in mind. Making sure you read the contract thoroughly can help you get the best deal on a home warranty and one that fits your needs. Here are some of the benefits that you can see from a home warranty:

  • Quality contractors--There are plenty of quality contractors in the Chicago area, but finding one that is suitable for your needs can be difficult. When you have a home warranty, the contractor situation is handled for you since home warranty providers have relationships with contractors.
  • Workmanship guarantee--After getting a repair, if the problem returns within the guarantee period, the home warranty will step in once again to help. The guarantee period is typically between 30 and 90 days.
  • Peace of mind--If you are concerned about your budget and being able to afford an extensive repair or replacement, a home warranty can help with that. Home warranties are there to give homeowners peace of mind.
  • Fast response times--The response times from a home warranty provider are generally in a 24 to 48-hour period. This is much faster than trying to book a contractor on your own.

There are also some conditions to consider about home warranties that could be a downside for homeowners, especially:

  • Waiting period--Many home warranty companies have you wait 30 days before you can file a claim.
  • Coverage limit--The coverage caps may be a drawback for some because the home warranty will only cover repairs and replacements up to a certain amount.

A home warranty can also raise the value of your property if you choose to sell because you can transfer it to the person who buys the home.

FAQ's for Home Warranties in Chicago

What's the best home warranty company?

The top home warranty company in Chicago is Choice Home Warranty. Choice Home Warranty provides good customer service and a large network of professional contractors in the area.

How does a home warranty work?

When a home system or appliance needs repairs, you can use your home warranty. First, you file a claim, which you can do via phone or online. After that, the home warranty provider will send a contractor to your home and you will pay a service fee once the problem has been resolved.

What kinds of things does a home warranty typically cover?

The systems and appliances in a home are covered under a home warranty plan in Chicago. The coverage you purchase will affect which systems and appliances are covered, but everything from your fridge to your pool can be covered under a home warranty.

Can you use a home warranty immediately after purchasing it?

Most home warranty plans have a 30-day waiting period before you can make service requests, but some may offer coverage sooner. Make sure you inquire about this if quicker coverage is a concern for you.

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.

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