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 $100 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 $100 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
  • $175 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Amazon Home Warranty
Editorial Rating 95.6
  • $100 Off + 1 Month Free
  • Good BBB rating B
  • 24/7 service calls
  • Smaller company
  • Online chat not supported
  # 5 Cinch Home Services
Editorial Rating 95.0
  • Get $100/ $50 off!
  • Large number of homeowners
  • Clients report fair compensation
      # 6 Total Home Protection
    Editorial Rating 91.9
    • $200 OFF + 2 Months Free
    • Free Roof Coverage
    • Comprehensive coverage plans
    • 1 day to submit claim
    • Limited availability (6 states)
    • 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

    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.

    Home Warranties in Illinois FAQs

    Is a home warranty in Illinois worth it?

    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.

    What are the best home warranty companies in Illinois?

    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. Amazon Home Shield
    5. Cinch Home Services

    What do home warranties cover?

    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.

    How much does a home warranty cost?

    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.

    How do I choose a good home warranty?

    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. 

    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.

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