6 Best Home Warranty Companies In Oak Park, IL
With our guide on the top home warranty companies in Oak Park, getting the right one for your home will be effortless.
Oak Park is a wonderful area in the state of Illinois to own a home. Moving into a new home is just the beginning, however. You still have to maintain it, which can put a dent in your bank account. With the cost of living slowly rising, having to repair or replace your appliances can really eat into your budget.
Compare the Best Home Warranty Companies in Oak Park
Oak Park has access to many home warranty providers to choose from. At Review Home Warranties, we surveyed all these plans and compared things such as coverage options, BBB ratings, time on the market, monthly costs, and more to help you decide. This is how the top policies in Oak Park 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 Oak Park
- 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
Oak Park'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 the best option for homeowners who want the best overall in Oak Park. Choice has 2 simple plans, making the selection process quick and easy. Its plans include Basic Plan and Total Plan.
The coverage caps from Choice are about $3,000. The service fees are $85, which is pretty affordable. When you purchase a home warranty 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 |
- 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 is a good option for homeowners who want the most trustworthy in Oak Park. The 3 plans from Liberty are easy to comprehend and have a mix of both system and appliance coverage. The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard.
Service fees from Liberty are $75. The coverage caps are also around $3,000 at the maximum. When you have a home warranty from Liberty, you can enjoy 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
American Home Shield has the most customizable home warranty option for Oak Park residents. AHS has 3 simple plans, making the selection process quick and easy. The ShieldSilver, ShieldGold, and ShieldPlatinum are the names of the company's plans, and it also offers add-on options.
The coverage caps from AHS are around $2,500. The service fees range from $70 to $125, which is fairly affordable. AHS has established itself as a company with 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
Select Home Warranty has the most cost-effective home warranty in Oak Park. The 3 home warranty plans that Select offers include options for appliance and system coverage. The home warranty plans from Select Home Warranty 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 fairly affordable. When you buy a policy from Select, you can look forward to 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 |
- Pros:
- Lower chance of claim denial
- Multiple optional coverage items
- 24/7 service calls
First Premier Home Warranty offers the best coverage home warranty in Oak Park. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. The plans that FPHW offers to homeowners are Premier Plan and Platinum Plan.
The coverage caps associated with FPHW's plans are close to the $1,500 mark for many major appliances and systems, and service fees are $75. When you purchase a plan 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 |
- Pros:
- Offers home insurance deductible of $500
- Extra long 180-day workmanship guarantee
- Offers free cancellation in the first 30 days
Cinch Home Services is a good option for homeowners who need the best workmanship guarantee in Oak Park. Cinch has 3 plans for homeowners to decide between, which have a mix of appliance and system coverage. Its plans are Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps for Cinch's plans are around the $1,000-$2,000 mark for most of the major systems and appliances, and service fees range from $75 to $150. If you'd like a 180-day workmanship guarantee and a wide range of coverage options, Cinch is a great provider 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 |
What does a Home Warranty Cover in Oak Park?
A home warranty covers your systems and appliances and the typical wear and tear they can experience. With a home warranty in Oak Park, you can rest assured that a broken plumbing system or dishwasher will only cost you a service fee. Some home warranty policies will have system and appliance coverage, while others will have one or the other. Most Oak Park homeowners like having a combination of coverage to ensure all needs are met.
The home systems commonly covered under a home warranty are
- Water heater
- HVAC (heating and air conditioning)
- Plumbing system
- Electrical system
Common appliances covered under Oak Park home warranties include:
- Built-in Microwave
- Refrigerator
- Clothes Dryer
- Clothes Washer
- Cooktop
- Oven / Range / Stove
- Dishwasher
Cost of a Home Warranty in Oak Park?
Having a general idea of what a home warranty costs before doing your shopping can help ensure you're getting the best deal on your home warranty coverage. The home warranty costs for Oak Park residents can vary depending on the size or type of the home, as well as the kind of coverage you choose.
Premiums range from $30 to $80 a month and service fees can be between $60 and $150 per contractor visit. How much it'll cost exactly depends on the plan's coverage. Also, if you want any add-ons, that will increase the cost. Keeping these costs in mind as you shop will help ensure you get a great deal on your home warranty.
Is a Home Warranty Worth It in Oak Park?
Having a home warranty can help ensure that your savings and your home is properly protected if an issue comes up. Homeownership is complicated, so having all the information you need before purchasing a home warranty plan is important, which is why we're going to go over some of the pros and cons of a home warranty. Let's look at the benefits associated with a home warranty first:
- Fast response times--It can be difficult to get a repair technician you found on your own to promise you a quick response. A home warranty provider usually guarantees service within a specific period of time, allowing homeowners to get things done quickly and move on.
- Peace of mind--If you are constantly concerned about the next expense that'll come up regarding your home systems and appliances, a home warranty can help you give you some peace of mind.
- Workmanship guarantee--After receiving a repair, if the problem comes back within the guarantee period, the home warranty will help you with it again. The guarantee period is usually between 30 and 90 days.
- Quality contractors--There are many headaches that come with an appliance or system needing repairs, and one of them is locking in a contractor. Your home warranty can deal with this for you, which takes that off your plate.
Home warranty plans can help protect you from unexpected expenses, but you should also take the following into consideration when you have a home warranty:
- Exclusions--Be sure you read the home warranty contract to see what the exclusions are. They can consist of things like appliances covered under a manufacturer's warranty, pre-existing conditions, or intentional damage.
- Choosing a contractor--Most home warranty providers will pick a contractor for you. For some, this is a benefit since it's one less thing they have to concern themselves with, but for others, this can be a drawback since they want to have the choice.
- Waiting period--If you want to file a claim right away, that typically isn't possible. Most home warranties require you to wait 30 days before you can request service.
A home warranty can also provide value in other ways. Namely, some home warranties can be transferred from you to a buyer during a home sale.
FAQ's for Home Warranties in Oak Park
What's the best home warranty company?
The top home warranty company in Oak Park is Choice Home Warranty. Choice Home Warranty has good customer service and a large network of professional service technicians in the area.
Should I buy a home warranty now?
Because home warranties generally have a 30-day waiting period before you can request service, you may want to get a home warranty as soon as possible to ensure coverage when you need it, especially if your home or appliances are on the older side.
What is usually covered under a home warranty?
A home warranty covers the repair and replacement costs for your home systems and appliances. Home warranties only cover damage due to normal wear and tear and usually don't cover pre-existing conditions.
Can you use a home warranty immediately after purchasing it?
Most home warranty providers 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.