6 Best Home Warranty Companies In Summit, IL
With our guide on the top home warranty providers in Summit, picking the right one for your home will be easy.
Owning a home in Summit can be expensive. When your heater fails in the middle of winter, you can find yourself rushing to find someone to fix it.
Compare the Best Home Warranty Companies in Summit
There are several home warranty policies for Summit homeowners. At Review Home Warranties, we reviewed all these plans and compared things like monthly costs, BBB ratings, coverage options, time on the market, and more to help you decide. This is how the top policies in Summit 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 Summit
- 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
Summit'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
For homeowners who need the best overall in Summit, homeowners should consider picking Choice Home Warranty. Choice has 2 plans for homeowners to choose from, which contain a combination of appliance and system coverage. The Basic Plan and Total Plan are the names of the company's plans, and it also has add-ons.
Choice has coverage caps of around $3,000 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 $85. Additionally, Choice has 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 need the most trustworthy in Summit. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. Liberty Home Guard's plans are Appliance Guard, Systems Guard, and Total Home Guard.
Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so it's a good idea to verify with the provider. Service fees are $75. Liberty is known as a provider 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
American Home Shield offers the most customizable home warranty policy for Summit homeowners. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage. The ShieldSilver, ShieldGold, and ShieldPlatinum are the names of the company's plans, and it also offers add-on coverage.
AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so it's a good idea to ask the company. Service fees range from $70 to $125. Plus, AHS has 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 Summit, Select Home Warranty is the best choice. The 3 plans from Select are easily comprehensible and offer a mix of both system and appliance coverage. The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
The coverage limits from Select are around $2,000. The service fees are $80, which is fairly affordable. 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 |
- Pros:
- Lower chance of claim denial
- Multiple optional coverage items
- 24/7 service calls
In Summit, First Premier Home Warranty offers the best coverage home warranty plan. The 2 plans from FPHW are easy to comprehend and offer a mix of both system and appliance coverage. Its plans are Premier Plan and Platinum Plan.
The coverage caps from FPHW are about $1,500. The service fees are $75, which is fairly reasonable. When you buy a plan from FPHW, you can look forward to 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 has the best workmanship guarantee home warranty in Summit. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage. The home warranty plans from Cinch Home Services include Appliances Plan, Built-in Systems Plan, and Complete Home Plan.
The coverage caps from Cinch are around $1,000-$2,000. The service fees range from $75 to $150, which is fairly reasonable. Additionally, 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 Summit?
Now that you have read about the best home warranty providers in Summit, it's time to consider what exactly they will actually cover. A home warranty is in place to protect against normal wear and tear of systems and appliances. With a home warranty in Summit, you can rest assured that a broken plumbing system or dishwasher should only cost you a service fee. Some home warranty plans will have system and appliance coverage, while others will have one or the other. Most Summit homeowners like having a combination of coverage to ensure all needs are met.
Here are the common systems covered under a home warranty plan:
- Ceiling and exhaust fans
- Water heater
- Garbage disposal
- HVAC ductwork
- Plumbing system including stoppages
- HVAC (heating and air conditioning)
- Electrical system
Common appliances include:
- Oven / Range / Stove
- Clothes Washer
- Dishwasher
- Refrigerator
- Clothes Dryer
- Built-in Microwave
Cost of a Home Warranty in Summit?
At Review Home Warranties, we have done in-depth research to figure out the average costs of a home warranty in Summit. The home warranty costs for Summit residents depends on the size or type of the home, as well as the type of coverage you need.
The service fees that home warranty companies offer range from $60-$150 and monthly premiums $30-$80, depending on the coverage you pick. Choosing add-ons will also make the price you have to pay higher. Homeowners who are looking for a deal can use these numbers to help find the best overall pricing for you.
Is a Home Warranty Worth It in Summit?
A home warranty in Summit can give you quite a few benefits for homeowners. When an expensive plumbing repair could have cost a thousand or more to fix, your home warranty will usually only have you paying the service fee. But on the other hand, there are also some potential drawbacks you should consider when looking for a home warranty. Let's look at some benefits of having this home warranty in place first:
- 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 generally between 30 and 90 days.
- Quality contractors--Home warranty providers have access to high-quality contractors. These contractors are required to undergo testing and screening to make sure they can do a professional repair in your home.
- Peace of mind--Having a home warranty means that you can have peace of mind about the expenses of repairs. With a home warranty, you will have a general idea that the fix is just going to be a service fee, which can help reduce your homeowner worries.
There are also some cons of home warranties, like:
- Choosing a contractor--For some, having the home warranty choose a contractor for you is an advantage, but others may want a choice of their own. Some home warranty providers allow this, so if that's important to you, be sure to opt for one of those.
- Waiting period--After buying a home warranty plan, you usually need to wait around 30 days before coverage kicks in.
Together with money, a home warranty can save you a lot of time too. Rather than calling several contractors for quotes, you just have to call your home warranty provider and they'll deal with the repair for you for just a service fee.
FAQ's for Home Warranties in Summit
Which home warranty should I choose?
Our overall pick for the top home warranty provider in Summit is Choice Home Warranty. However, the perfect company for you depends on the coverage you need for your appliances and home systems.
What's the purpose of a home warranty?
A home warranty is a type of service contract designed to give homeowners coverage for their home systems and appliances, such as dryers, washing machines, refrigerators, garbage disposals, dishwashers, heating and cooling systems, electrical systems, water heaters, plumbing, sump pumps, among others.
How is a home warranty different from homeowners insurance?
Home warranties cover issues related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. The homeowner's insurance policy is a larger insurance that protects the entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system breakage.
Can I transfer my home warranty to someone else?
A home warranty can be transferred to another party, so if you plan on selling your home, the homebuyer can benefit from the policy as well.
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.