Top Best Home Warranty Companies In Illinois Review

Want to learn how to save $1,000’s in home repair and replacement costs with a home warranty policy in Illinois?

If this sounds like you, you’ve come to the right place. In this guide you will learn:

  • What is a home warranty for an Illinois resident?
  • Why should you have home protection in state of Illinois? 
  • Which plan would work best for you in IL and why? 
  • What should you look for when purchasing an Illinois home warranty?
  • And much more!

The top 7 home warranty companies in Illinois offer a variety of coverage plans , prices and promotions so that you will get the biggest bang for your buck.

Below, you can read their reviews, compare their plans, and select the one that works best for you.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

 

Best Home Warranty Companies in Illinois

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.8
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Total Home Protection
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 5 Cinch Home Services
Editorial Rating 95.0
  • Get $100 Off Most Popular Plan!
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  • Save up to $150 on a new plan
  • Choose your own service fee!
  • Lower chance of claim denial
  • Higher fee for contract transfer
  • Higher cancellation fee
  # 7 2-10 Home Buyers Warranty
Editorial Rating 90.2
  • 24/7 service calls
  • Lower chance of claim denial
  • Market veteran
  • Fewer contractors available

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

A home warranty in Illinois has always been a popular way to protect homeowners’ wallets from any unexpected repairs in their homes. Heating, air conditioning, plumbing, electrics, kitchen and laundry appliances, swimming pool and roof leaks—all these essential components can be covered under the best home warranty plans in Illinois. ReviewHomeWarranties.com will help you find the right plan for your home.

Read Also: What Is The Best Home Warranty Plan In Chicago?

Who needs a home warranty in Illinois?

Illinois is one of the most populous states in the USA. Actually, it is the fifth state by population with a population density more than 231 people per square mile. In 2014, over 65% of Illinois residents owned a house, and this number has been growing ever since.

Whether you own a small condo, a townhouse, or a big single-family house, the best home warranty companies in Illinois will have at least one home warranty plan available to you. Many new homeowners in Illinois prefer to buy a home warranty as soon as they close their contract. In some cases, it comes with the house as a gift from the real estate agent or as a transfer from the previous owner. Many reputable companies, such as Choice Home Warranty, will wave the contract transfer fee for you.

First time home buyers in Illinois usually start small with basic home warranty plans. As time goes by, they realize all the benefits of having a home warranty and often switch to more comprehensive plans. Some customers add optional items to their plans, such as swimming pools, spas, additional kitchen appliances, and services like roof leak repairs.

Why do you need a home warranty in Illinois?

The main reason to purchase the best home warranty in Illinois is that it can help you save a lot of money on home repairs and appliance replacements. As you might already know, home repairs are not cheap.

Replacing an air conditioning system, for example, may cost you thousands of dollars, and the best home warranty companies in Illinois can make this cost more bearable for you. For example, 2-10 Home Buyers Warranty has a coverage cap of $25,000 per contract period.

Read Also: What Are The Top Home Warranties For HVAC Systems?

Another reason to purchase the best home warranty in Illinois is the peace of mind that it gives you. You don’t need to look for any service providers or think about where to get money to cover those extra costs. Your home warranty provider will take care of that.

 

Is a Home Warranty Worth It?

In order to help you make the right decision on whether to buy a home warranty or not, we have created a Home Maintenance Calculator. You can start by entering your house age and the number of repair per year that you have done or expect to do on our home systems and appliances. For each appliance, you can enter their age and see how the cost of your home maintenance changes.

Home Maintenance Calculator - Will a Home Warranty Save You Money?

In case you decide to sell your house, your home warranty will protect it while it’s on the market. Homebuyers will find your house more attractive and feel more confident about buying if it is protected under a home warranty that will be transferred to them as soon as they sign a contract with you.

Read Also: What Are The Recommended Companies For Home Sellers?

Which home warranty would work best for you?

In order to decide which home warranty plan will work best for you, you must first think about the part of the state you live in. Illinois has a diverse climate from subtropical in the south to continental in the north. The subtropical climate comes with hot and humid summers, while the continental climate may bring severe winter conditions.Climate in Illinois, Average Annual Precipitation Map

If you live in the southern part of the state, you live in a humid subtropical climate with hot summers and mild winters. High humidity may impact and expedite the normal wear and tear of the electrical system of your house, so you might want to protect it with the best home warranty to the maximum extent.

High humidity may also have an impact on the operation of your home appliances. Please remember that all home appliances should be well maintained in order to be covered under the home warranty.

Among the best-rated home warranty companies in Illinois, Select Home Warranty provides one of the best-selling plans on the market. Electrical system coverage in this company includes wiring, service panels and sub panels, switches, breakers, outlets, junction boxes, and ground fault interrupters. However, we encourage you to read through the variety of home warranty Illinois reviews available on this website to find the company the serves your individual needs best.

Those homeowners who live in the northern part of the state should always keep their heating system and water heater in a good operating condition, especially in winter. Total Home Protection will cover up to two residential heating systems of any type. Please note that maintenance and cleaning are not included in the coverage plan.

When temperatures drop in Illinois, you need to make sure that your HVAC system is properly protected. Check out this video from our friends at HomeServe for winter HVAC tips and tricks.

Home warranty regulations in Illinois

Before you purchase a home warranty with any company operating in your state, it is important to know which authority regulates it. Illinois Department of Insurance protects customers from fraud by providing assistance and all the necessary information about home warranty companies operating in this state.

Best Home Warranties in Illinois Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive

 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Total Home Protect Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

total home protection home warranty

Why Do We Like Total Home Protect?

Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Conclusion: Is buying a home warranty in Illinois a good idea?

Signing a contract with a home warranty companyBuying a home warranty in Illinois is a good idea for several reasons. Whether you are a home buyer or home seller, a good home warranty plan will keep you confident that the house you are selling or buying will not bring you any unexpected expenses even if something suddenly breaks or malfunctions.

There are many different home warranty companies in Illinois that provide similar services. Here at ReviewHomeWarranties.com, we have read and analyzed the terms and conditions of each company presented on our site. We organized them in such a way that you can clearly see and compare all of the major points. Additionally, we specified which parts and components of each home system are covered, and which are not.

Most home warranty companies have an initial evaluation of your home system and appliances before you sign the contract. They require that every item listed in the contract be well maintained. You should keep in mind that lack of maintenance may lead to a claim denial.

Be sure to check out home warranty coverage plans in nearby states like Iowa, Minnesota, Indiana and Kentucky. All states reviews are available on our USA page as well.

Nearby States

All states
Home warranty Iowa 32 companies available
Iowa Home Warranty
Home warranty Indiana 39 companies available
Indiana Home Warranty
Home warranty Missouri 39 companies available
Missouri Home Warranty

Frequently Asked Questions in Illinois

Below are just some of the frequently asked questions we receive about home warranties in Illinois.

Q.

Is a home warranty in Illinois worth it?

A.
Whether you’re living in Chicagoland, Springfield, Carbondale, or somewhere in between, you want to protect your home and your bank account from needless expense. 

A home warranty can help you do that by providing protection for your most important appliances and home systems from breakdown due to wear and tear.
Q.

What are the best home warranty companies in Illinois?

A.
To find out the top choices in Illinois, we sifted through data on nearly 70 home warranty companies. Here are the top five picks:

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Total Home Protection
  5. Cinch Home Services
Q.

What do home warranties cover?

A.
Home warranties are meant to cover breakdowns on major appliances and systems in your home - the kinds of breakdowns that happen just from everyday use. The kinds of things a homeowner’s insurance policy doesn’t cover. 

Appliances

Here are the major appliances most home warranties will cover:

  • Refrigerator
  • Range/Oven/Cooktop
  • Clothes Washer/Dryer
  • Dishwasher

Many will also cover items like:

  • Built-in Microwave
  • Garage Door Opener
  • Trash Compactor

Systems

Here are the major systems most home warranties will cover:

  • Air Conditioning/Heating
  • Electrical
  • Plumbing
  • Water Heater

Many will also cover items like:

  • Doorbells
  • Smoke Detectors
  • Central Vaccum

Optional Coverage

You can also get optional coverage for things like pools and spas, septic and well pumps, and limited roof leaks.
Q.

How much does a home warranty cost?

A.
The cost of a home warranty comes in two parts. There is the monthly premium you pay, and there is a service call fee you pay only when a claim is filed and a licensed contractor comes to your home to evaluate the problem with the malfunctioning system or appliance.

You can also choose between basic coverage with either an Appliance Plan or Systems Plan or comprehensive coverage with a Combo Plan. Most buyers choose a Combo Plan since it is generally only $10 to $15 more per month for the combined coverage. 

Among the top five, the average Combo Plan cost per month is about $57 or $684 per year

 
Monthly
Yearly
Combo Plan Average in Illinois
$57
$684

Service call fees for the top home warranties in Illinois range from $60 dollars for Select to $100, $125 with AHS, or up to $150 with Cinch. Usually, a company will lower the monthly premium in exchange for the higher service call fee.
Q.

How do I choose a good home warranty?

A.
Choosing the right home warranty comes down to three main steps:

  1. Research. Do what you are doing right now and find out what is available in your area, and who covers the appliances and systems most important to you.
  2. Comparison shop. Take your top three choices and get a quote from each. 
  3. Read the fine print. Be sure to read the service contract carefully before you sign and make a payment.