6 Best Home Warranty Companies
in Winthrop Harbor, IL

by House Method Local Advisors - Updated December 8, 2022

When one of your systems or appliances breaks down, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.

Owning a home in Winthrop Harbor has many great benefits, but there are, of course, some negatives too. The humid weather can cause problems in a home and destroy some systems and appliances.

Finding the right home warranty plan for your Winthrop Harbor home can be time-consuming, so our team at House Method did the research for you to help you find the best home warranty in Winthrop Harbor. Keep reading for our home warranty recommendations and learn which plan works best for your home.

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 Winthrop Harbor


Picking the right home warranty in Winthrop Harbor for you depends on the kind of coverage you want, the home warranty company you opt for, and where you live, among other factors. When trying to decide which home warranty company is the right fit for you, here are some important factors to keep in mind:

Quick reference for home warranty companies in Winthrop Harbor

$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


Finding a home warranty in Winthrop Harbor can take a lot of time. House Method's team has narrowed down the top home warranty providers in Winthrop Harbor so you can find the perfect plan for your home. We considered customer reviews, state availability, costs and fees, coverage, workmanship guarantee, and more when making this list. This is how the top home warranty providers performed:
  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

Choice Home Warranty offers the best overall home warranty in Winthrop Harbor. The 2 plans from Choice are comprehensive and offer both system and appliance coverage. When you purchase a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.

Choice Home Warranty offers 2 plans for Winthrop Harbor homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Winthrop Harbor area.

Read our review of Choice Home Warranty to learn more. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 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 in Winthrop Harbor. 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. The 3 plans that Select offers include options for appliance and system coverage.

Select Home Warranty offers 3 plans for Winthrop Harbor homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select's service fees are a reasonable $60, and the coverage caps come out to about $2,000 for each covered appliance or system.

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

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 is the most customizable home warranty in Winthrop Harbor. The 3 home warranty plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.

There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also around $2,500 at the maximum.

To receive a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our thorough review of American Home Shield.

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 for Winthrop Harbor residents. The 2 plans that HSC has include differing levels of system and appliance coverage, as well as add-on options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, 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 offers 2 plans for Winthrop Harbor homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 per covered system or appliance.

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

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 in Winthrop Harbor. Liberty offers 3 plans for homeowners to decide between. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it 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. Liberty has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are an affordable $75.

To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our Liberty Home Guard Review.

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

In Winthrop Harbor, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has 3 simple plans, making the selection process easy. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind.

The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits 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 Winthrop Harbor area.

Read more by visiting our review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.

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 Winthrop Harbor

AIR CONDITIONER
$6,198
HEATING
$4,132
ELECTRICAL
$620
TOILETS
$516
WASHER/DRYER
$826
PLUMBING
$620
OVEN/STOVE
$1,653
FRIDGE
$620

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 Winthrop Harbor

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What is a home warranty?

A home warranty is a plan that can help homeowners save money on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Winthrop Harbor home comfortable and convenient. When they need updating, it can be expensive and a pain. Luckily, with a home warranty in place, an affordable repair is just a phone call away.

For Winthrop Harbor homeowners, when an issue comes up with a covered appliance or system, it is very easy to file a claim. Most home warranty companies have an online portal where a claim can be submitted. After that, you will pay your service fee. Service fees for home warranty customers range from $60 to $150. Most home warranties also have a coverage cap, which is the maximum amount per year that the home warranty company will cover for repairs and replacements.

What does a home warranty cover?

A home warranty plan will cover systems and appliances that have broken down due to normal wear and tear. For instance, if your refrigerator suddenly needs repairs under normal use conditions, your home warranty provider can help. The appliances typically covered under a home warranty include microwave, clothes dryer, clothes washer, refrigerator, dishwasher, garbage disposal, and more. The systems usually included are electrical systems, air conditioners, hot water heaters, plumbing systems, and ductwork. Add-on coverage options can vary by company but often include things such as a sprinkler system, plumbing stoppages, septic system, central vacuum, and second refrigerator.

A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your appliances or systems and follow preventative maintenance guidelines, the home warranty will not cover it. Things such as misuse, cosmetic damages, pre-existing conditions, and lack of maintenance are not covered by a home warranty policy.

Is a home warranty worth it in Winthrop Harbor?


Benefits of a home warranty

Since temperatures in Winthrop Harbor can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Purchasing a home warranty policy can help homeowners save money if one of these systems or appliances stops working all of a sudden.

Plus, having a Winthrop Harbor home warranty can help make your house more appealing to potential home buyers should you ever decide to sell in the future. Many home warranty providers will allow you to transfer your policy to a new owner and give them the same protection you've been benefiting from.

Downsides of a home warranty

Home warranties also have some downsides. Though it can save you time when the home warranty sends out a contractor who takes care of the repair for you, some may not like this, and they would rather select a contractor themselves. If that's important to you, some home warranty providers allow you to select a contractor. Another thing to keep in mind is that some providers don't cover pre-existing issues and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about it if you need more information or if this is an issue for you.

A home warranty can help ease some of a homeowner's maintenance headaches, but in the end, it's up to you to decide whether or not investing in one is a good choice for you and your family. Be sure to do your research and read over any home warranty contracts that you're considering purchasing to get a sense of what repairs will and will not be covered under your contract.

Final Thoughts

A home warranty in Winthrop Harbor can save you thousands of dollars and give you peace of mind when it comes to pricey home repairs and replacements. All of these top companies have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, affordable pricing, and easy to understand plans make it a great home warranty for Winthrop Harbor homeowners.

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
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Home Warranty FAQs


Which home warranty company is the best?

The best overall home warranty company in Winthrop Harbor is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need to have covered.

What's the difference between a home warranty and homeowners insurance?

Home warranty policies cover problems with systems and appliances that need to be repaired or replaced due to normal wear and tear. A homeowner's insurance policy is a larger insurance that protects your entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system breakage.

Should I get a home warranty?

Home buyers, home sellers, real estate agents, homeowners, and landlords are all eligible for home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save homeowners money in the long run.

Do home warranties cover all repair and replacement costs?

Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay the rest out of pocket.

Is a home warranty a good investment?

Owning a home can be expensive. When a system or appliance breaks down, it can leave homeowners unexpectedly having pay a large amount of money to fix it. With a home warranty in place, you will not have any large hits to your bank account .

Other Winthrop Harbor Home Services

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