A home warranty can offer you the peace of mind you need about your home and safeguard your bank account from large expenses by covering your home's major systems and appliances.
As much as you may love owning a home in Oak Park, there is always that worry about whether or not your systems and appliances are going to need to be replaced over the next few years.
Choosing the best home warranties on the market can be quite a challenge because of the sheer number of options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide on the best home warranty providers in Oak Park.
Picking the right home warranty in Oak Park for you and your family comes down to the coverage you need, the home warranty company you go with, and where you live, among other factors. When deciding which home warranty provider is the best one for you, here are some important factors to take into account:
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 Oak Park. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
Read more by visiting our detailed review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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
In Oak Park, Select Home Warranty offers the most cost-effective home warranty. The 3 plans from Select are easy to understand and offer both system and appliance coverage. When you buy a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.
For a more detailed breakdown, read our full 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.
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
In Oak Park, American Home Shield is the most customizable home warranty. AHS is a home warranty company with 25 years of experience in the industry, and it has established itself as one of the best providers in the business. With a home warranty from AHS, you can benefit from 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. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. The coverage caps from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Oak Park area.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our review of American Home Shield.
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 is the best home warranty with the quickest service for Oak Park residents. HSC has around 14 years of industry experience and in that time has built a an network of service technicians in the country. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Oak Park area.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For a more detailed breakdown, read our The Home Service Club full review.
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 is the most trustworthy home warranty for Oak Park residents. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty company offers 3 plans to policyholders with various system and appliance coverage options.
Liberty Home Guard has 3 plans that provide a mix of system and appliance coverage. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our review of Liberty Home Guard.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage for Oak Park residents. If you're looking for very affordable and comprehensive appliance coverage, First American is the perfect provider for you. Plus, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 simple plans, making the selection process easy.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Oak Park area.
To receive a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. To read more, visit our review of First American Home Warranty.
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 Oak Park. The 3 plans from Cinch are easily comprehensible and offer a mix of both system and appliance coverage. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it 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 caps associated with Cinch's plans are close to the $1,000-$2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read our full review of Cinch Home Services.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Oak Park
A home warranty is a protection plan for home systems and appliances. When your refrigerator breaks down and the repair costs several hundred dollars, a home warranty will ensure that you're only responsible for a predetermined service fee. Home warranty coverage often starts without an inspection and you can generally start using it about thirty days after making your first payment.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty provider. Most companies have an online portal where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. At this point, you will pay the service fee, which is usually between $60 and $150 depending on what plan you have. Once the service fee is paid, a repair person will come to your home, assess the issue, and repair it. If the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have to pay any other out-of-pocket costs apart from the service fee.
A home warranty in Oak Park usually covers the main systems and appliances in the home. Typical appliances covered under a home warranty plan include a dryer, washer, microwave, dishwasher, refrigerator, garbage disposal, and more. The systems that are most commonly covered will be electrical systems, air conditioners, hot water heaters, heating systems, and plumbing systems. Add-on options can vary from one plan to another but often include things such as a plumbing stoppages, septic system, second refrigerator, sprinkler system, and central vacuum.
A Oak Park home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, intentional breakages, pre-existing conditions, and natural disasters are not covered with a Oak Park home warranty.
Temperatures in Oak Park can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a lot of use. As a homeowner in Oak Park, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Another good thing about having a home warranty if you want to sell your home is that some providers let you transfer your home warranty to the new owners. This can make your home more attractive to potential home buyers and help your home sell faster.
One disadvantage of buying a home warranty is that there are generally exclusions. For instance, if you already have a manufacturer's warranty on one of your appliances, it may be excluded from the home warranty, so it's important to read over any contracts you're considering thoroughly to understand what is included and what isn't. Another pain point of home warranties is that they don't cover items that haven't been properly maintained. This can lead to your repair requests being rejected, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
A home warranty can help ease some of a homeowner's maintenance headaches, but ultimately, it's up to you to determine if investing in one is a good move for you and your family. Make sure you do your research and read over any home warranty plans that you're seriously considering getting to get a sense of what repairs will and will not be covered under your contract.
Hopefully, you now feel like you can select the best home warranty for your Oak Park home. When it comes to home warranties in Oak Park, the best overall is Choice Home Warranty. Choice Home Warranty offers great coverage at an affordable cost.
Our pick for the best overall home warranty provider in Oak Park is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty plan covers the normal wear of home systems and appliances. A homeowners insurance plan protects your entire home in a situation such as a natural disaster or fire. Under homeowners insurance, you won't be able to file a claim should you need a new dryer or stove, unless the damage is a result of a natural disaster.
Home buyers, real estate agents, landlords, homeowners, and home sellers can all get home warranty plans. A home warranty can help make your home more attractive to prospective buyers and save homeowners money in the long run.
Typically coverage for a home warranty plan begins 30 days after payment. However, a few companies may let you file a claim before this, so verify with customer service to find the exact waiting period for your case.
Most home warranties cover replacement costs as well as repair costs. How much the coverage cap is varies from one plan to the next. Your home warranty will give you some money towards a replacement but don't expect to have the entire replacement paid for.
Homeownership 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 plan, you won't have any large hits to your bank account .
