7 Best Home Warranty Companies In Oswego, IL

Looking for the best home warranty for you in Oswego? You're in the right spot.

Being a homeowner in Oswego can be a rewarding experience, but it also has its challenges. As a homeowner in Oswego, you will unexpectedly have problems arising with your home systems and appliances that you'll have to deal with, and these aren't always the cheapest to handle.

Compare the Best Home Warranty Companies in Oswego

There are over sixty home warranty companies in the Oswego area. This is a lot of information for homeowners to digest and it can be a challenge to break down which of these home warranties would be best for your needs. At Review Home Warranties, we compared customer service reviews, coverages, service fees, BBB ratings, and more. Here's how the top companies in the Oswego 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 Oswego

  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

Oswego'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

For homeowners who need the best overall in Oswego, homeowners should consider picking Choice Home Warranty. The 2 plans from Choice are easy to understand and offer a mix of both system and appliance coverage. Choice Home Warranty's plans include Basic Plan and Total Plan.

The coverage limits from Choice are around $3,000. The service fees are $85, which is fairly affordable. If you're looking for high coverage caps and a contract that's easy to understand, Choice is the perfect provider for you.

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

For homeowners who want the most trustworthy in Oswego, homeowners should consider choosing Liberty Home Guard. Liberty offers 3 plans for homeowners to choose from, which contain a combination of system and appliance coverage. The Appliance Guard, Systems Guard, and Total Home Guard are the options the company has, and it also offers add-on coverage.

Liberty's service fees are $75, and the coverage limits come out to around $3,000 for each appliance or system. If you want guaranteed professionalism for every repair and some of the best customer service in the industry, Liberty is a great provider for you.

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

American Home Shield has the most customizable home warranty in Oswego. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Homeowners can choose between American Home Shield's ShieldSilver, ShieldGold, and ShieldPlatinum and also add-on options.

AHS's service fees range from $70 to $125, and the coverage limits come out to around $2,500 for each covered appliance or system. With 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

Select Home Warranty is a good option for homeowners who'd like the most cost-effective in Oswego. The 3 home warranty plans that Select offers include options for appliance and system coverage. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options the company has, and it also has add-on coverage.

Select's service fees are $80, and the coverage limits come out to around $2,000 for each system or appliance. Select is known as a company with 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 in Oswego. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage. The home warranty plans from Cinch Home Services include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.

Cinch's service fees range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 per 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

For homeowners who'd like the best coverage in Oswego, homeowners should consider opting for First Premier Home Warranty. FPHW offers 2 plans for homeowners to decide between, which contain a combination of appliance and system coverage. The home warranty plans from First Premier Home Warranty include Premier Plan and Platinum Plan.

Service fees from FPHW are $75. The coverage caps are also typically about $1,500 at the maximum. When you purchase 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

For homeowners who want the best quick service in Oswego, homeowners should consider choosing The Home Service Club. The 2 policies that HSC offers include differing levels of system and appliance coverage, as well as add-on options. The Standard Coverage Plan and Comprehensive Coverage Plan are the options the company has, and it also has add-on coverage.

HSC 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 a good idea to ask the provider. Service fees are $60, $75, or $95, depending on the plan you choose. HSC is known as a provider with 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 Oswego?

Now that you know which home warranty companies are the top ones in Oswego, you may be curious what their plans generally cover. The aim of a home warranty is to help protect against expenses related to repairing and replacing your systems and appliances like your furnace or HVAC. If your home has a pool and spa, this is something to take into consideration as well.

These are the systems that are commonly covered under a home warranty:

  • Electrical system
  • Garbage disposal
  • Water heater
  • HVAC (heating and air conditioning)
  • Plumbing system including stoppages
  • HVAC ductwork
  • Ceiling and exhaust fans

Common appliances include:

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

Cost of a Home Warranty in Oswego?

How much a home warranty plan costs is something that you should consider when deciding on a plan. We at Review Home Warranties have done exhaustive research to ensure that you have an excellent understanding of what a home warranty in Oswego will cost. The type of home you have, as well as the coverage, service fee, and add-on coverage you choose all affect the price.

Generally, service fees can range from $60 to $150 and monthly cost from $30 to $80, depending on the type of coverage you choose. Selecting add-ons will also make the price you have to pay higher. Keep these costs in mind as you shop and look through the plan choices available to you.

Is a Home Warranty Worth It in Oswego?

You may be thinking of purchasing a home warranty for many reasons. There could be some old systems and appliances that you're worried about when it comes to functionality. Whatever the reason, it's good to understand the pros and cons of the home warranty. Here are some of the benefits:

  • Fast response times--When you file a claim, a customer service representative will typically answer you within a short period of time and schedule the repair soon.
  • Peace of mind--When something breaks down in your home, you can spend a lot of time thinking about the expense of the repair. A home warranty will give you peace of mind about how much you'll spend.
  • Workmanship guarantee--After receiving a repair, if the issue comes back within the guarantee period, the home warranty will step in once again to help. The guarantee period is usually between 30 and 90 days.
  • Quality contractors--There are plenty of quality contractors in the Oswego area, but finding one that is suitable for your needs can be a challenge. When you have a home warranty, the search for a contractor is done for you since home warranty providers have relationships with contractors.

The potential disadvantages of a home warranty are also something homeowners should know about. Here are some of them:

  • Waiting period--Coverage for a home warranty usually only kicks in 30 days after buying the policy.
  • Coverage cap--The coverage caps may be a downside for some because the home warranty will only cover repairs and replacements under a certain amount.

A home warranty can make your property more appealing to future buyers and help your home sell quicker. This is because you can transfer the policy to the new owners.

FAQ's for Home Warranties in Oswego

Which home warranty is the best?

Our overall pick for the best home warranty company in Oswego is Choice Home Warranty. However, the perfect company for you depends on the kind of coverage you need for your appliances and systems.

What's a home warranty?

A home warranty is a type of service contract that covers repairing and replacing your major home systems and appliances if they fail unexpectedly.

How is a home warranty different from homeowners insurance?

Home warranty plans cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. The homeowner's insurance policy is a different kind of insurance that protects the entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.

Can a home warranty be transferred?

You can transfer your home warranty policy to someone else, such as 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.

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