6 Best Home Warranty Companies In Westchester, IL
Our guide on the best home warranty providers in Westchester can help you pick the best one for your home.
Having a home in Westchester can come with a lot of unexpected expenses. You have paid a lot for that house, so you'll want to keep it in the best condition you possibly can.
Compare the Best Home Warranty Companies in Westchester
There are dozens of home warranties that we had to sort through to compile our list of the best home warranty policies in Westchester. This can be a lot of information for homeowners to take in and it can be quite the task to break down which of these home warranties would be right for you. At Review Home Warranties, we compared BBB ratings, customer service reviews, coverages, service fees, and more. Here is how the best ones in the Westchester 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 Westchester
- 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
Westchester'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 has the best overall home warranty option for Westchester homeowners. The 2 plans that Choice has include options for appliance and system coverage. Homeowners can choose between Choice Home Warranty's Basic Plan and Total Plan and also add-on coverage.
The coverage caps from Choice are around $3,000. The service fees are $85, which is pretty reasonable. If you'd like high coverage caps and a contract that's easy to understand, you'll want to have this plan on your side.
| 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 offers the most trustworthy home warranty option for Westchester residents. Liberty has 3 plans for you to choose from, which have a combination of 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 generally around $3,000 for most appliances and systems. Liberty is known 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 |
- 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 Westchester, American Home Shield is the most customizable home warranty plan. AHS offers 3 plans for homeowners to decide between, which have a mix of system and appliance coverage. Its plans include ShieldSilver, ShieldGold, and ShieldPlatinum.
The coverage caps for AHS's plans are close to the $2,500 mark for most major home systems and appliances, and service fees range from $70 to $125. AHS has established itself as a provider 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 is a good choice for homeowners who need the most cost-effective in Westchester. Select has 3 simple plans, making the selection process quick and easy. The home warranty plans from Select Home Warranty include Bronze Care Plan, Gold Care Plan, and Platinum Care Plan.
The coverage caps associated with Select's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are $80. When you purchase a plan from Select, you will get 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 for Westchester homeowners. FPHW offers 2 plans for you to decide between, which contain a mix of system and appliance coverage. The plans that FPHW offers to homeowners are Premier Plan and Platinum Plan.
The coverage caps associated with FPHW's plans are around the $1,500 mark for many major systems and appliances, and service fees are $75. Plus, FPHW has 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 policy for Westchester homeowners. Cinch offers 3 plans for you to choose from, which have a combination of appliance and system coverage. Homeowners can choose between Cinch Home Services' Appliances Plan, Built-in Systems Plan, and Complete Home Plan and also add-ons.
The coverage caps for Cinch's plans are around the $1,000-$2,000 mark for many of the major appliances and systems, and service fees range from $75 to $150. If you'd like a 180-day workmanship guarantee and a wide range of coverage options, you'll want to have this plan on your side.
| 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 Westchester?
A home warranty will assist you with systems and appliances in your home that get damaged because of normal wear. The aim of a home warranty is to help you with expenses related to repairing and replacing your systems and appliances such as your refrigerator or HVAC. If your home has a pool and spa, this is something to take into consideration as well.
There are several home systems that are usually covered under a home warranty, such as:
- Water heater
- Plumbing system
- Electrical system
- HVAC (heating and air conditioning)
And the common appliances covered include:
- Dishwasher
- Clothes Dryer
- Built-in Microwave
- Clothes Washer
- Cooktop
- Oven / Range / Stove
- Refrigerator
Cost of a Home Warranty in Westchester?
The main reason to have a home warranty plan in place is to save you money. The policy you buy must suit your budget so it can do this. The size of your home, as well as the coverage, service fee, and add-ons you get all determine the cost.
The service fees home warranty companies have range from $60-$150 and monthly premiums $30-$80, depending on the coverage you choose. Add-ons will also affect the total price. Keep these amounts in mind as you browse the plan options available to you.
Is a Home Warranty Worth It in Westchester?
Most homeowners that sign up for a home warranty in Westchester are trying to save money. However, there are other benefits, as well as some potential drawbacks, of a home warranty that homeowners should be aware of. Let's go over the benefits first:
- Fast response times--The response times from a home warranty company are usually in a 24 to 48-hour period. This is tremendously faster than trying to book a repair technician on your own.
- Peace of mind--If you are constantly worried about the next problem that'll come up regarding your home systems and appliances, a home warranty can help you give you some peace of mind.
- Workmanship guarantee--If you're still having issues with your appliance or system after a contractor repaired it, the workmanship guarantee makes sure that you will continue getting service if the issue occurs again within the guarantee period.
There are also a few cons of home warranties, including:
- Coverage cap--Be sure to note the coverage limits under the home warranty. This will determine the highest amount the home warranty will pay for a repair or replacement.
- Waiting period--If you want to submit a claim soon after buying the home warranty policy, that usually isn't possible. Most home warranties require you to wait 30 days before you can submit a claim.
- Exclusions--Make sure you read through the home warranty contract to see what the exclusions are. They can consist of things such as intentional damage, pre-existing conditions, or appliances covered under a manufacturer's warranty.
A home warranty plan can make your home more attractive to potential buyers and help your home sell quicker. This is because you can transfer the plan to the new owners.
FAQ's for Home Warranties in Westchester
Which home warranty should I choose?
Our overall pick for the best home warranty provider in Westchester is Choice Home Warranty. However, the right company for you depends on what coverage you need for your appliances and home systems.
What's the difference between a home warranty and homeowners insurance?
Home warranty plans cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different kind of plan that protects the entire home from natural disasters and fires. It doesn't cover typical appliance or system repairs.
When should I purchase a home warranty?
For homeowners with new appliances that are already covered by a manufacturer's warranty, you may want to wait until that warranty expires before purchasing a home warranty. Home warranty companies won't cover appliances and systems that are already covered by a warranty.
Can a home warranty be transferred?
A home warranty can be transferred to another party, so if you are selling your home, the homebuyer can use 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.