6 Best Home Warranty Companies
in Crystal Lake, IL

by House Method Local Advisors - Updated December 8, 2022

A home warranty in Crystal Lake can help decrease your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop functioning due to normal wear and tear.

Being a homeowner in Crystal Lake is a great option for those who love up and coming cities. However, as great as Crystal Lake is, homeownership always comes with its fair share of difficulties, such as trying to take care of your appliance repairs yourself.

Because the home warranty market is filled with many providers — all with different price points — the House Method team decided to do the research for you to help you find the right home warranty in Crystal Lake.

Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
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Most Affordable
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
4.8
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Best Customizable Plans
  • 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
4.7
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Choosing a home warranty company in Crystal Lake


The first step in protecting your home with a home warranty is determining which company's plan is right for you. Consider the appliances and systems in your home you need coverage for and compare the plans. Before deciding which home warranty to purchase, here are a few additional factors to consider:

Quick reference for home warranty companies in Crystal Lake

$45.00 - $53.33/month
15 years in business
$57.67 - $62.08/month
11 years in business
$29.27 - $74.27/month
26 years in business
$50.40 - $62.90/month
15 years in business
$69.99 - $79.99/month
6 years in business
$34.99 - $67.99/month
44 years in business

Home Warranty Company and Plan Details


By purchasing a home warranty policy in Crystal Lake, you can protect your savings account from large out-of-pocket expenses whenever appliances and systems need repairs. House Method's experts considered coverage, monthly costs and service fees, customer reviews, service guarantee, professional network, and more to rank the top providers. Here's how the top companies ranked:
  1. Choice Home Warranty - Best Overall
  2. Select Home Warranty - Most Affordable
  3. American Home Shield - Best Customizable Plans
  4. The Home Service Club - Quickest Service
  5. Liberty Home Guard - Most Trustworthy
  6. Cinch Home Services - Best Workmanship Guarantee

Choice Home Warranty

4.85

Best Overall

Choice Home Warranty logo
MONTHLY COST $45.00 - $53.33
YEARS IN BUSINESS 15

Over 10 years of experience

24/7 customer service team

Home inspections aren’t required

90-day repair guarantee

Plans aren’t customizable

Customers can’t choose their own contractor

Not available in Washington

In Crystal Lake, Choice Home Warranty is the best overall home warranty. Choice has been operating for more than 14 years, making it a well-respected company in the industry. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for you to decide between.

The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are an affordable $85.

Read our review of Choice Home Warranty to learn more. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

Home Warranty Plans from Choice Home Warranty

Basic Plan
Service fee: $85.00 Monthly cost: $45.00 Items covered: Ceiling fan, Cooktop exhaust, Dishwasher, Disposal, Ductwork, Electrical, Garage door opener, Heating system, Oven, Microwave, Plumbing system, Toilet, Water heater Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer
Total Plan
Service fee: $85.00 Monthly cost: $53.33 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 Add-on items: Pool, Spa, Septic, Well pump, Roof leaking, Septic tank, Sump pump, Vacuum, Stand-alone freezer

Select Home Warranty

4.8

Most Affordable

Select Home Warranty logo
MONTHLY COST $57.67 - $62.08
YEARS IN BUSINESS 11

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

Has a $75 cancellation fee

Low coverage caps

Select Home Warranty is the most cost-effective home warranty for Crystal Lake residents. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select offers 3 plans for homeowners to choose from.

The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.

For a more detailed breakdown, read our detailed review of Select Home Warranty. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.

Home Warranty Plans from Select Home Warranty

Bronze Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Gold Care Plan
Service fee: $60.00 Monthly cost: $57.67 Items covered: Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks
Platinum Care Plan
Service fee: $60.00 Monthly cost: $62.08 Items covered: Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Washer, Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater, Ceiling fan, Garage door, Plumbing stoppages Add-on items: Pool, Spa, Septic, Sprinkler, Stand-alone freezer, Vacuum, Well pump, Sump pump, Roof leaks

American Home Shield

4.75

Best Customizable Plans

American Home Shield logo
MONTHLY COST $29.27 - $74.27
YEARS IN BUSINESS 26

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

Doesn’t let customers choose their own technician

Doesn’t provide coverage in Alaska

American Home Shield offers the most customizable home warranty in Crystal Lake. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options.

American Home Shield offers 3 plans for Crystal Lake homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.

To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our American Home Shield Review.

Home Warranty Plans from American Home Shield

ShieldSilver
Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27 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 Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldGold
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27 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 Add-on items: Pool, Spa, PC, TV, Septic, Well pump
ShieldPlatinum
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27 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 Add-on items: Pool, Spa, PC, TV, Septic, Well pump

The Home Service Club

4.7

Quickest Service

The Home Service Club logo
MONTHLY COST $50.40 - $62.90
YEARS IN BUSINESS 15

Policy starts in ten days

24/7 customer service support

Generous coverage caps on important systems and appliances

30-labor guarantee and 90-day parts guarantee

Offers utility and home service outside line coverage

Higher service fee of $95

Not accredited by the Better Business Bureau (BBB)

Only 2 plan options

The Home Service Club offers the best home warranty with the quickest service in Crystal Lake. HSC has 2 plans for you to choose from. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.

The Home Service Club has 2 plans that provide a combination of system and appliance coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Crystal Lake area.

To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our The Home Service Club full review.

Home Warranty Plans from The Home Service Club

Standard Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $50.40 Items covered: Air conditioner, Ceiling fan, Dishwasher, Garbage disposal, Dryer, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Plumbing, Refrigerator, Trash compactor, Central vacuum, Washer, Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer
Comprehensive Coverage Plan
Service fee: $60.00 - $95.00 Monthly cost: $62.90 Items covered: Air conditioner, Alarm wiring, Attic fans, Ceiling fan, Dishwasher, Garbage disposal, Doorbell, Dryer, Ductwork, Electrical system, Food center, Free-standing ice maker, Garage door opener, Heating system, Microwave, Oven, Pest control, Phone, Plumbing, Plumbing stoppages, Refrigerator, Sump pump, Toilet, Trash compactor, Central vacuum, Washer, Water dispenser, Water heater, Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system, Pool, Spa, Water softener, Roof leaks, Well pump, Pump, Stand-alone freezer

Liberty Home Guard

4.65

Most Trustworthy

Liberty Home Guard logo
MONTHLY COST $69.99 - $79.99
YEARS IN BUSINESS 6

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

Isn’t available in 2 states

Won’t cover known or unknown pre-existing conditions

Liberty Home Guard offers the most trustworthy home warranty for Crystal Lake residents. Liberty has over 5 years of industry experience and in that time has built a an network of service technicians nationwide. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.

The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also around $3,000 at the maximum.

To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information on this provider, read our review of Liberty Home Guard.

Home Warranty Plans from Liberty Home Guard

Appliance Guard
Service fee: $75.00 Monthly cost: $69.99 Items covered: Ceiling Fan, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Refrigerator, Refrigerator ice maker, Washer 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
Service fee: $75.00 Monthly cost: $74.99 Items covered: Air Conditioner, Bath exhaust fan, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater 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
Service fee: $75.00 Monthly cost: $79.99 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 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

Cinch Home Services

4.35

Best Workmanship Guarantee

Cinch Home Services logo
MONTHLY COST $34.99 - $67.99
YEARS IN BUSINESS 44

Offers home insurance deductible of $500

Extra long 180-day workmanship guarantee

Offers free cancellation in the first 30 days

Charges high service fees of $75-$150

Doesn’t allow customers to choose their own technician

Isn’t available in Hawaii or Alaska

Cinch Home Services offers the home warranty with the best workmanship guarantee in Crystal Lake. Cinch has been in business for around 43 years, making it a respected company in the industry. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process quick and easy.

The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Crystal Lake area.

To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For a more detailed breakdown, read our Cinch Home Services Review.

Home Warranty Plans from Cinch Home Services

Appliances Plan
Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99 Items covered: Cooktop exhaust fan, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Refrigerator, Refrigerator ice maker, Trash compactor, Washer Add-on items: Pool, Septic, Well pump
Built-in Systems Plan
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99 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 Add-on items: Pool, Septic, Well pump
Complete Home Plan
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99 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 Add-on items: Pool, Septic, Well pump

Additional home warranty information


Cost to replace or repair common home appliances and repair damages in Crystal Lake

AIR CONDITIONER
$6,372
HEATING
$4,248
ELECTRICAL
$637
TOILETS
$531
WASHER/DRYER
$850
PLUMBING
$637
OVEN/STOVE
$1,699
FRIDGE
$637

Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.

Looking to save big when things go wrong?

Get a free quote from our #1 recommended provider in Crystal Lake

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What is a home warranty?

A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break over time due to normal wear and tear. Having one in place can provide some peace of mind and protect your savings account from exorbitant out-of-pocket costs. Most home warranty plans take effect about 30 days after paying for the home warranty policy.

When you have a problem with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will reach out to you about a contractor coming over to look at the issue. At this point, you will also need to pay your service fee. Once the repair person takes a look at the issue, they will deal with it at no cost to you. The only time a Crystal Lake homeowner may have to pay out-of-pocket costs is if the repair or replacement is more than the item's coverage cap.

What does a home warranty cover?

A home warranty will cover your home's systems and appliances from normal wear . The appliances that are usually covered under a home warranty plan include dishwasher, microwave, garbage disposal, clothes dryer, refrigerator, clothes washer, and more. The systems usually included are plumbing systems, ductwork, air conditioners, electrical systems, and hot water heaters. The add-on coverages can include septic system, spa, pool, roof leak, and sometimes even things like locksmith or pest control.

A home warranty will only cover normal wear and tear on your home systems and appliances. Things such as misuse, pre-existing conditions, lack of maintenance, and cosmetic damages are excluded from the home warranty policy.

Is a home warranty worth it in Crystal Lake?


Benefits of a home warranty

Crystal Lake is known for its cold winters, and if you live in Crystal Lake, you know that the weather can be unpredictable. During the winter months, your heating system can be overworked in its effort to combat the cold. In the event that your heater did stop working, a home warranty can cover the repairs and prevent you from spending out-of-pocket expenses.

A home warranty can also yield value in other ways. For example, some policies can be transferred to another owner during a home sale.

Downsides of a home warranty

There are also some downsides to getting a home warranty policy, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty. Another stipulation is that home warranties usually only cover malfunctions due to normal wear and tear. They most likely won't cover systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.

It isn't always easy to budget for the unexpected expenses that can come with owning a home, but a home warranty can help you with that. Like any other warranty or insurance policy, there will always be pros and cons of purchasing one but its main purpose is to offer you protection and peace of mind.

Final Thoughts

Hopefully, you now feel positive that you can choose a home warranty in Crystal Lake after reading through our guide. All of these top home warranty providers have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage at an affordable monthly or annual cost. However, other providers reviewed above also give great coverage choices for Crystal Lake residents.

Best Overall
  • Over 10 years of experience
  • 24/7 customer service team
  • Home inspections aren’t required
4.8
GET QUOTE
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Most Affordable
  • Low service fees compared to other home warranty providers
  • Two months of free coverage
  • Has an appliance-only, systems-only, and combo plan option
4.8
GET QUOTE
Fast Online Quote
Best Customizable Plans
  • 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
4.7
GET QUOTE
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Home Warranty FAQs


Which home warranty company is the best?

The best home warranty company in Crystal Lake is Choice Home Warranty. Choice Home Warranty has an expansive network of experienced service technicians and a tremendous reputation in the Crystal Lake area.

What's a home warranty?

A home warranty is a contract that covers repairing and replacing your major home systems and appliances.

Who should get a home warranty?

A home warranty plan can help homeowners, homebuyers, investors, real estate agents, and home sellers. It can offer peace of mind and savings to anyone involved in homeownership.

What is a service fee?

A service fee is an expense that a homeowner must pay before a repair person or contractor comes to your home to repair your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty in place apart from the monthly premium/annual cost.

Is a home warranty necessary?

Many homeowners find a home warranty is a good investment since it helps protect against unforeseen expenses. If you're worried about your finances and your ability to keep your home in good working order, having a home warranty can help. One of the big advantages of a home warranty is that it can provide you some financial peace of mind.

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