Best Home Warranty Companies in Illinois (2021)

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.

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? 

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. American Home Shield: Best Customizable Plans 
  3. Select Home Warranty: Most Cost-Effective Plans 
  4. Cinch Home Services: Best Workmanship Guarantee 
  5. Service Plus Home Warranty: Best for Immediate Service 
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

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

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Cinch Home Services Cinch Best Workmanship Guarantee Appliances Plan: $34.99-$44.99/month

Built-in systems Plan: $39.99-$51.99/month

Complete Home Plan: $49.99/$51.99/month

$100-150 40 A-
ServicePlus Home Warranty Service Plus Best For Immediate Service Gold Plan: $53.67/month

Platinum Plan: $60.33/month

$75 5 NR

1. Choice Home Warranty

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

Choice Home Warranty is the best overall home warranty in the state of Illinois. With the 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 they have a good reputation for completing timely and efficient repairs. The overall simplicity of working with choice and their plan options make them a perfect selection for a new homeowner. 

Some home warranty companies will offer five or six plans to choose from. Most find this to be a bit overwhelming and difficult to narrow down. With Choice, you will have the option of a Basic Plan or a Total Plan. The Total plan has quite a bit more coverage, yet it does not cost all that much more per month. This tends to be the most popular choice for homeowners.  

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

Understanding what a service fee is and how it applies to your policy is quite important. The service fee for the Choice Home Warranty plan is $85. This is an average service fee and only further increases the affordability of the Choice Home Warranty. 

Choice Home Warranty will make your home warranty purchasing decision relatively easy. You will not have to worry about the fine print in your contract, and the overall peace of mind this policy brings is well worth the price you pay for the plan.

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. American Home Shield

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

American Home Shield is the most customizable plan 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 plan that will help ensure that homeowners have 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. 

American Home Shield offers three plans. The systems-only plan called the ShieldSilver Systems plan is a bit lower in price, but it only covers a few systems in the home. The two combination plans tend to be the most popular and give users the most value. With the plan pricing being customizable, you can really set this to work for your home. In addition, there are plenty of additional coverage options to add to the American Home Shield warranty. 

Some of the add on coverage that you can get with American Home Shield includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

Another unique thing about the American Home Shield plan is that it offers you the ability to customize your home warranty plan. With the plan customization, you can set your service fee to be anywhere from $75 to $125. The more you pay per month, the lower your service fee will be. 

The American Home Shield home warranty will continue to deliver service and peace of mind when you need it the most. If you want to ensure that you are getting premium coverage at all times, this is the plan to consider.

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

To read more, visit our American Home Shield review.

3. Select Home Warranty

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

The Select Home Warranty is the most cost-effective option for Illinois homeowners. With Select Home Warranty, the pricing of the plan will help make the entire home warranty purchasing decision that much easier. Select Home Warranty has close to ten years in the business, and they have always been known for their 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. 

There are three plans offered from Select Home Warranty. The systems and appliance plans are priced at the same level. There is then a third combination plan that offers coverage at a slightly higher price, and this is the Platinum Care plan. The Platinum care has both system and appliance coverage. In addition, there are also optional or add-on choices that you can attach to any of the Select Home Warranty plans. 

The add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

As we mentioned, the Select Home Warranty is known for being the most cost-effective plan on the market. With a $60 service fee associated with the plan, the Select coverage just keeps getting even more affordable. 

The Select Home Warranty tends to offer some great sign-on incentives if you’re new to their plan. For Illinois homeowners that are ready to try out some new coverage and get their plan started today, this is a great option to go with.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

4. Cinch Home Services

Best Workmanship Guarantee

  • Offers 3 plans under $62 per month
  • Allows customers to choose between a $100, $125, or $150 service call fee
  • Covers repairs with a 180-day workmanship guarantee
  • Lets customers cancel for free within 30 days of their contract start day

The Cinch Home Services Plan has the best workmanship guarantee for the Illinois homeowner. When a system or appliance breaks, you will want to ensure that the repair is effective and will not require return visits or extra fees. The Cinch Home Services plan offers a 180-day workmanship guarantee, one of the longest in the industry. The Cinch Home Services company has been in the industry for more than 40 years. It has an A- rating from the BBB, which is relatively high for a company that has this much time in the industry. Overall, Illinois homeowners will find that there is quite a bit of professionalism from the technicians and contractors hired by Cinch as well. 

Cinch Home Services offers the system, appliance, and combination plan that many home warranty companies offer. The combination plan tends to be the most popular as the pricing is not all that much higher, but the coverage and value are quite a bit higher. Customers that sign up for the Cinch Home Services plan also get add on or optional coverages to choose from.  

The add ons or optional coverages from Cinch Home Services are:

  • Pool (includes heater)
  • Spa (includes heater)
  • Septic tank/plumbing
  • Well pump
  • Pool with spa (includes heater)
  • Premier Upgrade Package*
Plan Price Per Month Price Per Year
Appliances Plan $27.99 $335.88
Built-In Systems Plan $32.99 $395.88
Complete Home Plan $39.99 $479.88

You may notice that the price per month and price per year of the Cinch Home Services plans are quite low. This is because they have a very high deductible of $150. If you want to pay the lower service fee of $75, you will have to increase the amount you pay per month from Cinch Home Services. 

When it comes to time spent in the industry, Cinch Home Services has spent quite a bit of time. The plan is an excellent choice for those that are concerned with the overall quality of the plan and the workmanship.

Cinch Home Services will give you a free quote after filling out this form or calling 877-589-0505.

Read more by visit our Cinch Home Services review.

5. Service Plus Home Warranty

Best For Immediate Service

  • Offers 2 plans + optional add-ons
  • Provides a 24/7 claims hotline open 365 days a year
  • Has a 90-day parts guarantee
  • Allows customers to make unlimited service calls

ServicePlus Home Warranty is the best home warranty for immediate service. Having the option to have your appliance or system fixed within 24 hours is a great feature. The ServicePlus Home Warranty offers these choices for its customers. In addition, ServicePlus has spent more than five years in the home warranty business and has built up some great packages and plan options that can really help a customer have peace of mind about their home. When you look at the list of coverages that Service Plus has, you will notice it is extensive compared to other companies. 

Even though there are many individual coverages under the plan choices, there are really only two plans from Service Plus. The Silver Combo is the more affordable plan that will leave a few of the major systems and appliances of the coverage. The Platinum combo is the more popular plan with impressive coverage. The Platinum Combo will take care of everything from air conditioning to ductwork to the garage door opener. 

The optional coverage choices from ServicePlus Home Warranty include:

  • Pool / Spa
  • Additional Spa
  • Limited Roof Leak
  • Central Vacuum
  • Sump Pump
  • Well Pump
  • Septic System
  • Septic Pumping
  • Second Refrigerator
  • Stand Alone Freezer
  • Water Softener
  • Refrigerator Ice Maker
  • Free Standing Ice Maker
  • Add’l A/C System (each)
  • Add’l Heading System (each)
  • Water Heater (each)
  • Add’l Garage Door Opener (each)
Plan Price Per Month Price Per Year
Silver Combo $53 $636
Platinum Combo $60 $720

The ServicePlus Home Warranty comes with a $75 deductible. This is slightly lower than some of the top plan choices on the market and should be considered fair pricing. 

Even though Service Plus Home Warranty may not have the same number of years in the business, this is a plan that you can trust and count on to deliver through the years. Remember how important the emergency service feature can be when choosing a plan.

To get a free quote from ServicePlus Home Warranty, you can fill out this online form or call 478-210-5091. 

Illinois Home Warranty Buying Guide

Now that you have the top five home warranty choices for Illinois residents, it is time to narrow it 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. Three options that we recommend considering are coverage options, service fee, and customer reviews.

  • 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. 
  • Service Fee: 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. 
  • Customer Reviews: Take a look at customer reviews of the plan you are considering. Look for things like claim approval, quality of service, speed of the repair, and more. 

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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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, the 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.

See the best home warranty companies in your state

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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. 

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