7 Best Home Warranty Companies In Homer, IL

Our guide on the best home warranty companies in Homer can help you choose the best one for your home.

Homer is a great area in the state of Illinois to own a home. Closing on a new home is just the beginning, though. You still need to maintain it, which can put a dent in your bank account. With the cost of living rising, needing to repair or replace your appliances can really take a toll on your bank account.

Compare the Best Home Warranty Companies in Homer

Homer has dozens of home warranty plans. At Review Home Warranties, we considered each of these companies and ranked them according to the plan's features. The workmanship guarantee, service fees, customer service reviews, monthly costs, and years in the industry were all reviewed to figure out the top home warranties in the Homer area. Here's how the top companies in the Homer area 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 Homer

  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

Homer'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

In Homer, Choice Home Warranty is the best overall home warranty policy. The 2 plans from Choice are comprehensive and offer a mix of both system and appliance coverage. The home warranty plans from Choice Home Warranty include Basic Plan and Total Plan.

The coverage limits from Choice are about $3,000. The service fees are $85, which is pretty reasonable. When you purchase a policy from Choice, you will get 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 offers the most trustworthy home warranty in Homer. The 3 plans from Liberty are easy to understand and offer both system and appliance coverage. Homeowners can choose between Liberty Home Guard's Appliance Guard, Systems Guard, and Total Home Guard and also add-on options.

Service fees from Liberty are $75. The coverage caps are also typically about $3,000. Plus, Liberty has 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

For homeowners who need the most customizable in Homer, American Home Shield is a good option. AHS has 3 plans for homeowners to decide between, which have a combination of appliance and system coverage. American Home Shield's plans include ShieldSilver, ShieldGold, and ShieldPlatinum.

The coverage limits from AHS are about $2,500. The service fees range from $70 to $125, which is fairly affordable. When you have a home warranty from AHS, you can enjoy 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

In Homer, Select Home Warranty is the most cost-effective home warranty plan. Select has 3 plans for you to choose from, which have a combination of system and appliance coverage. Select Home Warranty's plans include Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.

Select has coverage caps of around $2,000 for most systems and appliances, but with some plans, the coverage caps can be higher, so it's important to ask the company. Service fees are $80. With a home warranty from Select, you can benefit from an affordable service fee and free roof coverage.

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

Cinch Home Services offers the best workmanship guarantee home warranty policy for Homer residents. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage. The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.

Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so it's important to check with the company. Service fees range from $75 to $150. If you're looking for a 180-day workmanship guarantee and a wide range of coverage options, this is the home warranty for you.

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

For homeowners who want the best coverage in Homer, homeowners should consider picking First Premier Home Warranty. FPHW has 2 simple plans, making the selection process quick and easy. The plans that FPHW offers to homeowners are Premier Plan and Platinum Plan.

The coverage caps from FPHW are around $1,500. The service fees are $75, which is fairly affordable. When you buy a home warranty from FPHW, you will get a quality customer service team and coverage for your appliances and home systems at affordable prices.

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 has the best quick service home warranty for Homer homeowners. HSC has 2 plans for homeowners to decide between, which contain a combination of 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 most major home 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 Homer?

Now that you have the best home warranty providers in Homer, it's time to consider what exactly these home warranties can actually cover. A home warranty is in place to protect against normal wear and tear of systems and appliances. With a home warranty in Homer, you can rest assured that a broken septic system or oven should only cost you a service fee. Some home warranty policies will have system and appliance coverage, and others will have one or the other. Most Homer homeowners like having a combination of coverage to ensure all needs are met.

There are many home systems that are typically covered under a home warranty, such as:

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

As for appliances, the common ones covered are

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

Cost of a Home Warranty in Homer?

Having a general idea of what a home warranty costs of a home warranty before doing your research can help ensure you're getting the best deal on the home warranty you choose. With a home warranty policy, the size of your home and how many items are covered will determine the overall pricing of the plan. Plans that cost more will typically have add-on coverages that raise the overall costs.

Your premium can be from $30-$80 per month, and $60-$150 for the service fee you'll pay each time a contractor comes to your home. The exact amount you'll pay depends on the kind of coverage the plan offers. Add-on coverage will also affect how much it costs overall. Keep these amounts in mind as you research the right plan for your needs.

Is a Home Warranty Worth It in Homer?

Having a home warranty can help to ensure that your budget and your home is properly protected if an issue comes up. Homeownership is complicated, so having all of the information you need before purchasing a home warranty plan is important, which is why we're going to discuss some of the pros and cons of a home warranty. Let's look at the benefits associated with a home warranty first:

  • Peace of mind--When an appliance or system needs fixing in your home, you can spend a lot of time being concerned about the cost of the repair. A home warranty will give you peace of mind about how much it'll cost.
  • Fast response times--The response times from a home warranty provider are typically in a 24 to 48-hour period. This is significantly faster than trying to book a repair technician or contractor yourself.
  • Workmanship guarantee--A workmanship guarantee ensures that in case a repair doesn't fix the issue, the home warranty company will continue to work with you to find a solution. Without a home warranty plan, you may pay for a repair and then never hear from that contractor again.

And these are a few of the potential downsides of a home warranty:

  • Exclusions--Be sure you take a look at the home warranty contract to see what the exclusions are. They can be things such as pre-existing conditions, appliances covered under a manufacturer's warranty, or intentional damage.
  • Coverage limit--If you need to have an expensive replacement for one of your appliances or systems, the home warranty may only pay for a portion of the cost, since they typically have coverage caps.
  • Waiting period--If you want to submit a claim right away, that generally isn't possible. Most home warranties require you to wait 30 days before you can request a repair.

A home warranty plan can make your property more attractive to potential buyers and help your home sell faster. This is because you can transfer the plan to the new owners.

FAQ's for Home Warranties in Homer

Which home warranty company is the best in Homer?

The best home warranty company in Homer is Choice Home Warranty. Choice Home Warranty provides good customer service and an expansive network of professional repair technicians in the area.

What's the purpose of a home warranty?

A home warranty is a service contract that can help save you money on repairing and replacing your major home system components and appliances if they break down unexpectedly.

What types of things does a home warranty commonly cover?

A home warranty policy will cover the repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and usually don't cover something that happened due to a pre-existing condition.

How soon can you use a home warranty after purchasing it?

Most home warranty providers have a 30-day waiting period before you can file claims, but some may offer coverage sooner. Make sure you check with the company about this if quicker coverage is a necessity 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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