Best Home Warranty Companies in Illinois (2022)

By Malea Ritz

Whether you are living in the great city of Chicago, in one of the many suburbs of Illinois, or out in the rolling hills of the Prairie State, Illinois has a lot to offer. With white winters and beautiful summers, homeowners in Illinois get the best of both worlds. However, homeownership doesn’t always come easy. If you have been experiencing high repair expenses over the last few months and are looking for a home warranty, you are in the right place. Finding the best home warranty company for you home is essential to hassle-free living.

In our guide featuring the best home warranty companies in Illinois, we will give you information on:

  • How to choose the best Illinois home warranty 
  • Why do Illinois homeowners need a home warranty 
  • What are the best companies in Illinois for home warranties? 
  • and much more . . .

A home warranty is a savings program that can help reduce the out-of-pocket expenses related to repairing and replacing the systems and appliances in your home. Home warranties can cover everything from dishwashers to HVAC units. Narrowing down the best home warranty companies in Illinois can be a bit tricky. First, you must find companies that offer services in Illinois and then compare their plans. If you are overwhelmed with this process, keep reading. 

Illinois Top 5 Home Warranty Companies

Believe it or not, there are more than 50 home warranty companies available to Illinois residents. We have gone through each of these companies and compared and analyzed them based on things like coverage options, workmanship, service fee, time spent in the business, customer reviews, customer service, policy coverage caps, and more. Here is how Illinois’ top-five ranked. 

  1. Choice Home Warranty (Best Overall)
  2. Select Home Warranty (Most Cost-Effective Plans)
  3. American Home Shield (Best Customizable Plans)
  4. The Home Service Club (Quickest Service)
  5. Liberty Home Guard (Most Trustworthy)

Compare the Best Home Warranty Companies in Illinois

Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty Choice Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
Select Home Warranty Select  Most Cost-Effective Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
The Home Service Club HSC Quickest Service Standard Coverage: $50/month

Comprehensive Coverage: $63/month

$75 13 NA
Liberty Home Guard LHG Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A

1. Choice Home Warranty 

Choice Home Warranty is the best overall home warranty in the state of Illinois. With Choice Home Warranty your options are simple, the contract is straightforward, and the pricing is affordable. These are essentially the top features when purchasing a home warranty. Choice Home Warranty has more than 13 years in the business and a BBB rating of B. Customers like the fact that Choice is available throughout almost the entire country, and it has a good reputation for completing timely and efficient repairs. The overall simplicity of working with Choice and its plan options make it a perfect home warranty provider for a new homeowner. 

Pros Cons
Very straightforward service contract Plans are not customizable 
Responsive customer service
Plan choices have both systems and appliances
High coverage caps 
Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Plans, Cost & Coverage

Choice Home Warranty offers two plans for Illinois homeowners. The plans are the Basic Plan and the Total Plan. One of the highlights of these home warranty plans from Choice is the fact that they are comprehensive. Both policy options have a mix of system and appliance coverage, and they will allow for complete peace of mind for Illinois homeowners. With Choice Home Warranty, you will also get a $3000 coverage cap for most covered systems and appliances. This is considerably higher than other home warranty providers offer, and despite the high coverage caps, you will still have an affordable monthly payment.

Here’s a detailed look at Choice Home Warranty’s coverage: 

  • Basic Plan ($42 per month): The cheapest plan from Choice Home Warranty is the Basic Plan. This plan covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. There are a few key coverages that many Illinois homeowners need. 
  • Total Plan ($53.33 per month): The Total Plan is the best option from Choice Home Warranty. The plan covers all 13 items in the Basic Plan with an additional four items. These additional items are clothes washer, dryer, refrigerator, and air conditioner coverage. Air conditioner and refrigerator coverage are two things that most Illinois homeowners don’t want to go without. 
  • Add On Options: There are nine total optional coverages from Choice Home Warranty.  These include roof leak, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. Pricing for optional coverages typically starts around $5.00 per month and increases from there. 
Plan name Price per month Price per year Service fee
Basic Plan  $45 $560 $85
Total Plan $53.33 $660 $85

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

For more information, read our Choice Home Warranty Review.

2. Select Home Warranty 

Select Home Warranty is the most cost-effective option for Illinois homeowners. With Select Home Warranty, the low monthly premiums associated with each plan option will help make the entire home warranty purchasing decision that much easier. Select Home Warranty has close to ten years experience in the business, and it has always been known for its exceptional value. In addition, Select Home Warranty throws in free roof leak coverage with all its plan choices. For almost all other companies in the industry, this is going to be an extra charge. 

Pros Cons
Very fair pricing Lower coverage caps on some appliances and systems 
Free roof leak coverage
High-quality workmanship 
Close to ten years in the industry 
Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Plans, Cost & Coverage

Select Home Warranty has three plan options for Illinois homeowners. Bronze Care, Gold Care, and Platinum Care each offer a range of options with fair pricing and broad coverage. The Platinum Care plan at $57 per month is the best overall option because of the combination of systems and appliances coverage. In addition, all of the Select Home Warranty plans come with free roof leak coverage for customers. The service fee from Select Home Warranty is one of the lowest in the industry at $60. 

Here’s a detailed look at Select Home Warranty’s coverage: 

  • Bronze Care ($52 per month): The Bronze Care plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. This plan tends to be a great option for those who are new to homeownership. 
  • Gold Care ($52 per month): The Gold Care plan covers six systems: plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. These systems are important for Illinois homeowners, making this a plan worth considering. 
  • Platinum Care ($57 per month): With the Platinum Care plan, you pay just a few dollars more per month but have double the coverage that you will get with either of the other two plans. If you are looking for value, this is it.  
  • Add on Options: There are several optional add-ons, including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. Roof leak coverage is free of charge for all Illinois Select Home Warranty customers, and this will save you about $10 per month. 
Plan name Price per month Price per year Service fee
Gold Care $52.00 $579.99 $60
Bronze Care $52.00 $579.99 $60
Platinum Care $58.00 $649.99 $60

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

For more information, read our Select Home Warranty Review.

3. American Home Shield 

American Home Shield is the most customizable provider in the home warranty industry. With American Home Shield, you can make sure that all appliances and systems in your home are adequately covered. This is a unique home warranty option that allows you to pick and choose your coverages and helps give homeowners full peace of mind. With more than 50 years in the industry, American Home Shield is one of the most trusted home warranty companies on the market. You will find that Illinois residents continue to look at AHS as the most premium home warranty on the market. Although some of the plans might be a bit higher priced than others, the AHS plan still offers outstanding value. 

Pros Cons
More than 50 years in the industry  Higher pricing 
Customization of plans and pricing
Unique coverage options 
High claim payout rates 
Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

Plans, Cost & Coverage

There are three home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. The three American Home Shield home warranty plans are priced slightly higher than other home warranty plans on the market, but they offer very strong and comprehensive coverage. The coverage caps from American Home Shield are usually around $2500, but the ShieldPlatinum plan allows for an increased coverage cap and impressive overall claim payout rates. American Home Shield’s service fee is customizable, starting at around $75 and going to $125. 

Here’s a detailed look at American Home Shield’s coverage: 

  • ShieldSilver™ ($39.99 per month): ShieldSilver is a systems-only plan from American Home Shield. This plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. With systems being so expensive to replace, ShieldSilver is a great option for Illinois homeowners to consider. 
  • ShieldGold™ ($49.99 per month): ShieldGold is one of the most popular home warranty plan options for Illinois homeowners. This plan covers 23 home systems and appliances, including many offered on the ShieldSilver plan plus clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. 
  • ShieldPlatinum™ ($64.99  per month): ShieldPlatinum has 27 systems and appliances. There are many additional benefits and features to the ShieldPlatinum plan that you don’t see from other home warranty companies. For instance, a $1,000 coverage credit for unexpected expenses and an annual tune-up for your A/C system. 
  • Add-On Options: The add-on coverages from AHS include septic system, pool and spa, PC, TV, and well pump coverage. The coverages start at around $5.00 per month and increase from there. 
Plan name Price per month Price per year Service fee
ShieldSilver $39.99 $479.88 $100
ShieldGold $49.99 $599.88 $100
ShieldPlatinum $64.99 $779.88 $100

To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.

For more information, read our American Home Shield Warranty Review.

4. The Home Service Club

The Home Service Club (HSC) offers the quickest coverage for an Illinois home warranty. Most home warranty companies have customers wait 30 days before the coverage for the home warranty plan will begin. With The Home Service Club, the coverage starts just ten days after the contract signing. The Home Service Club has two home warranty plans with comprehensive coverage. With more than 13 years in the industry, The Home Service Club has built up a strong reputation across the entire United States. If you don’t want to deal with an inspection and need your policy to start as soon as possible, HSC is a perfect choice. 

Pros Cons
Policy starts in ten days No basic or cheap plan option
Both plans offer comprehensive coverage
Strong customer service 
More than 13 years in the industry 
Quickest service

  • Offers 2 plans + optional add-ons for over 10 items
  • Covers items regardless of their age, make, or model
  • Provides high coverage caps on essential systems and appliances
  • Has real estate home warranty plans

Plans, Cost & Coverage

There are two home warranty plans from The Home Service Club: Standard Coverage and Comprehensive Coverage. Although the Standard Coverage plan is considered a basic-type plan, there are 18 covered systems and appliances which is more than many companies’ premium home warranty plans. Coverage caps from The Home Service Club will vary from around $500 to $2000. HSC also has a customizable service fee. The fee can range from $65 to $125. In our chart below, the service fee is set at $95. 

Here’s a detailed look at The Home Service Club’s coverage: 

  • Standard Coverage ($50 per month): With the Standard Coverage plan, there are 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  Most basic home warranty plans do not have this much coverage for this low monthly price. 
  • Comprehensive Coverage ($63.00 per month): Comprehensive Coverage has fifteen more covered items than Standard Coverage. These additional items include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. The vast amount of items included in the Comprehensive Coverage plan can help homeowners save money in areas they never realized they needed to protect. 
  • Add-On Options: The Home Service Club has 12 add-on coverage options. Some of the most popular add ons include a well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. 
Plan name Price per month Price per year Service fee
Standard Plan $50 $600 $95
Comprehensive Plan $63 $756 $95

To get a free quote from The Home Service Club, fill out this online form.

For more information, read our HSC Review. 

5. Liberty Home Guard 

Liberty Home Guard is the most trustworthy home warranty company available in Illinois. Liberty is a young company with only three years of experience in the industry; however, it offers one of the best plans on the market and has a wide availability of 46 states across the US. Liberty Home Guard values having high-quality customer service combined with budget-friendly plans. The company has also earned itself an A rating with the BBB. Liberty recently added Illinois to their serviced states, but has been a top company in others for nearly four years.

Pros Cons
A rating with the BBB Add on options can get expensive 
Fast customer service response times
Easy to submit claims
60-day workmanship guarantee
Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Plans, Cost & Coverage

The three plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Having three distinct plan options like this can be really helpful for a homeowner that is worried about value and coverage. The coverage caps from Liberty Home Guard are right around $1500 for most covered home systems and appliances. When you invest in a Liberty Home Guard home warranty, you are also getting access to their tremendous customer service. Service fees are $75, which is considerably lower than other plans on the market. 

Here’s a detailed look at Liberty’s coverage: 

  • Appliance Guard ($64.99 per month): Appliance Guard will cover 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. 
  • Systems Guard ($69.99 per month): Systems Guard is basically the opposite of Appliance Guard. There are nine systems included in the Liberty Home Guard Systems Guard plan. These systems include the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. Systems can be expensive to replace, and it is smart to have a policy that covers each of them.
  • Total Home Guard ($74.99 per month): Total Home Guard is a comprehensive plan from LHG. The Total Home Guard plan covers a total of 20 major home systems and appliances. For just a few dollars more per month, Total Home Guard is one of the best home warranty plans on the market. 
  • Optional add-ons: Liberty has one of the most extensive lists of items offered as add-ons. Some of the add-on coverages are unique, including things such as gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. There are more than 20 optional coverages offered by Liberty Home Guard. These coverages will range in price from around $3.00 per month up to $30.00 per month.  
Plan name Price per month Price per year Service fee
Appliance Guard $64.99 $649.99 $75
Systems Guard $69.99 $699.99 $75
Total Home Guard $74.99 $749.99 $75

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

Read our Liberty Home Guard review for more information.

Home Warranty Coverage in Illinois Cities

How to Find the Best Home Warranty in Illinois

Now that you have the top five home warranty choices for Illinois residents, it is time to narrow them down to just one choice. Depending on the style of your home and your budget, there will likely be a few different factors that you will need to focus on when choosing your home warranty. Whether you live in the metropolitan hub of Chicago or in Springfield or Peoria, finding a home warranty is necessary to worry-free living Three options that we recommend considering are coverage options, service fee, and customer reviews.

Look Through All Coverage Options

When purchasing a home warranty, it is smart to take a walk around your home and write down the things you want to ensure are included in your plan. When you start comparing companies, see which plan choice offers you the closest match to your ideal home warranty. There is often additional coverages you can also add on to your policy so you can get the exact coverage you need. 

Watch out for High Service Fees

A service fee is a price that you pay for a repair to be done to one of your covered appliances or systems. Service fees range in price from $60 to over $150. Sometimes, the price of the service fee impacts the monthly premium – like in the case of American Home Shield. High service fees often mean you will be paying a lower monthly premium than you would if if the service fee was lower. However, some companies don’t have pricing that evens out in that way. Be sure to know what works for your budget before looking at home warranty pricing.

Customer Reviews

Take a look at customer reviews of the provider you are considering. You can often find real customer reviews on Yelp, Google Reviews, or on the BBB website. Look for things like claim approval, quality of service, and speed of the repair. This will help you gauge what the home warranty company does for its existing customers, and how it will treat you in the future should you choose to purchase a policy. 

What is a Home Warranty and How Does it Work?

A home warranty is a protection plan for your home systems and appliances. When an expensive repair cost comes your way, a home warranty plan will protect your budget and keep your savings account intact. If your dishwasher or clothes dryer suddenly stops working, homeowners can simply make a call to their home warranty service provider, and the issue will be handled from there. Most home warranty plans will start about 30 days after you purchase the coverage for the plan. Many home warranty policies require an inspection of the home, but some do not. 

When you experience a repair or think that a replacement is necessary, you will file a claim with your home warranty provider. The claims process is typically an online portal system that takes you less than a few minutes to use. At this point, Illinois homeowners will likely have to pay their service fee, and then a service call will be scheduled. Service fees range in price from around $60 to $150. The service fee is typically the only cost associated with a home warranty repair, and it is necessary to have the issue resolved. Once the service fee is paid, the appliance or system will be repaired or replaced with no additional out-of-pocket costs for homeowners. 

Top Home Maintenance Problems in Illinois

Although the state of Illinois can be a great place to live, some things about the climate and weather can make homeownership a bit of a headache. The extreme temperature changes from the hot to the cold months can cause damage to your home systems and appliances. Three issues that you must look out for are electrical system outages, heating system repairs, and washer and dryer coverage. 

  • Electrical System Outages: The electrical system in your home is responsible for keeping all other appliances and systems supplied with power. Electrical system repairs and replacements can be quite costly; a home warranty will help keep these expenses down. 
  • Heating System Repairs: The Illinois winter months will be cold. If your heating system goes down, you may be put on a long list of people that need repair; however, with a home warranty in place, your repair will come quickly and for a set fee.  
  • Washer and Dryer Repairs: With extreme temperatures, expect to go through quite a bit of clothing. Washer and dryer repair coverage will help save you hundreds of dollars and keep your clothing clean all at the same time. 

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How Much Does a Home Warranty Cost? 

A home warranty typically costs between $45 and $65 a month. The average annual costs will be anywhere from $480 to $780 a year. When shopping for a home warranty plan, homeowners need to consider the monthly pricing of the plan, service fees, and coverage caps. All home warranty providers have service fees that will range from $60 to $150, with the average being around $85. Coverage caps are important as some high-end systems and appliances with high repair costs may not be covered if the coverage cap is too low. Homeowners in Illinois typically find that it takes one or two repairs to justify the costs of their home warranty plan for the entire year. 

What Does an Illinois Home Warranty Cover?

It’s a smart investment to put a home warranty plan in place to cover normal wear on home systems and appliances. With a home warranty plan, you can typically choose between appliance coverage, system coverage, and comprehensive home warranty coverage. Plans with appliance coverage will include things like a washing machine, dryer, microwave, dishwasher, oven, refrigerator, and more. Systems only plan typically takes care of the air conditioner, heating systems, plumbing system, water heater, and more. Many home warranty plans also have optional coverages like central vacuum, pool, spa, septic system and even limited roof leak. 

The important thing for Illinois homeowners to remember is that a home warranty plan will not protect against anything other than normal wear. If a system or appliance is incorrectly used, has pre-existing conditions, or cosmetic issues, it will not be covered as part of your home warranty plan. Homeowners insurance and home warranty plans have different plan designs and coverages. 

See the best home warranty companies in your state

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Our Conclusion

Hopefully, you now feel a bit more equipped to make a great home warranty decision for your Illinois home. It takes some time to compare home warranty companies and find something that fits your needs and wants. However, Choice Home Warranty will still stand out among the best. With Choice, you will get a very simple and straightforward plan with a solid reputation. There is no question that one of these choices from the list of the top five best home warranties in Illinois is going to help you have peace of mind about your home and your budget. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

Frequently Asked Questions About Illinois Home Warranties

How Much Does A Home Warranty Cost In Illinois?

Home warranties in Illinois will range in price from $35 a month to over $80 a month. If you add in all the systems and appliances that you have in your home, expect the pricing to be quite a bit higher. In addition, pay attention to the service fees associated with the plan and how that will impact your overall costs. 

What Is A Service Fee?

A service fee is similar to a deductible. This is the price that you pay when you need a repair on a home system or appliance. The service fee is paid out of pocket, and then all repair costs are then covered as part of the warranty plan in place. 

What Is The Best Home Warranty Company In Illinois?

The best home warranty company in Illinois is Choice Home Warranty. With simple and straightforward plan options, fair pricing, and impressive overall coverage, Choice Home Warranty is an option that all Illinois homeowners should consider. 

Will A Home Warranty Company Cover Replacement Costs?

A home warranty company will cover replacement costs as long as they fit within the policy limits. The replacement costs of a home warranty plan will also be determined based on the condition and age of the appliance that is being replaced. Although this will not always mean you get full pricing for the cost of a new appliance or system, there is certainly some protection related to replacement costs. 

Additional Illinois Home Warranties to Consider

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