Illinois homeowners know better than most how to prepare for extreme weather conditions during the winter. But do you know that a home warranty is a great addition to your preparedness? A home warranty can act as a complement to your home insurance and provide peace of mind by ensuring that your household systems or appliances are repaired fast and at a reasonable price.
Finding a home warranty can be challenging, especially if you don’t know where to begin, so the This Old House Reviews Team is here to help you sift through the long list of potential providers and help you choose one that’s right for you and your home. You don’t have to be an industry expert to know the best home warranties when you stick with us.
Illinois’ Top 3 Home Warranty Companies
The highest-rated home warranty companies in Illinois include:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- Select Home Warranty: Best Value
Below, we break down our top four home warranty providers for Illinois homeowners and discuss plan options, pricing, and benefits of each company.
American Home Shield
American Home Shield (AHS) is our top provider for Illinois homeowners. The company has thee plans to choose from—the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. Its coverage is extensive, providing protection for items damaged due to rust and corrosion as well as those with undetectable pre-existing conditions.
Pros & Cons
✔ Offers high coverage caps on systems and appliances
✔ Customers can request service 24 hours a day, seven days a week
✔ Has close to 50 years of industry experience and has served more than 1.8 million customers
✘ Has more expensive plans than some other top providers
✘ Not many options for add-on coverage
✘ Has a short repair guarantee of 30 days
Plans & Pricing
As an AHS customer, you get to choose the service fee you want to pay. Your choices are $75, $100, and $125—the higher the service fee you pick, the lower your monthly premium.
Here’s what each plan’s monthly cost would be with a $75 service fee:
- ShieldSilver: $54.99 per month
- ShieldGold: $64.99 per month
- ShieldPlatinum: $79.99 per month
Learn more: American Home Shield Review
Choice Home Warranty
Choice Home Warranty (CHW) has fewer years of experience than American Home Shield and offers less coverage options with only two home warranty plans, but it’s more affordable and has a longer list of add-on options.
Pros & Cons
✔ Has more add-on options than American Home Shield
✔ Provides a 90-day repair guarantee
✔ Customers can cancel for free within 30 days of signing up for a contract
✘ Has low coverage caps
✘ Doesn’t give customers a choice in selecting a repair technician
✘ Has only two plan options, compared to some providers that offer four
Plans & Pricing
Choice has two plans: a Basic Plan and Total Plan. The Basic Plan covers home systems and appliances, while the Total Plan provides more comprehensive coverage, adding your air conditioning, refrigerator, washer, and dryer to the items already protected under the Basic Plan.
Choice Home Warranty’s service fees are also cheaper than American Home Shield, ranging between $60–$85 per claim. This is also more affordable than the average service fee cost, which typically falls between $75 and $125.
Here’s what these plans would cost you monthly:
- Basic Plan: $36.17 per month
- Total Plan: $43.85 per month
Learn more: Choice Home Warranty Review
Select Home Warranty
Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. Bronze Care protects appliances, Gold Care protects systems, and Platinum Care covers both appliances and systems.
Pros & Cons
✔ Gives customers two months free when they sign up for coverage
✔ Offers free coverage on roof leaks
✔ Provides discounts for customers who purchase of several years of protection
✘ Doesn’t have a mobile app
✘ Charges a $75 cancellation fee
Plans & Pricing
As one of the more affordable home warranty companies, all Select monthly premiums are below $40. Like Choice Home Warranty, Select’s service fee is lower than the industry average at $75 per service call.
Compare monthly plan pricing below:
- Bronze Care: $35.83 per month
- Gold Care: $35.83 per month
- Platinum Care: $37.50 per month
Learn more: Select Home Warranty Review
If you’re in the market for an Illinois home warranty, we recommend looking into American Home Shield, Choice Home Warranty, and Select Home Warranty. These picks provide comprehensive coverage at affordable price points and offer 24/7 customer service. We encourage you to get a quote from all four companies before making a purchase, since pricing can vary depending on your specific region and home’s square footage.
Frequently Asked Questions About Illinois Home Warranties
What does a home warranty cover in Illinois?
A home warranty protects major systems and appliances in your home, like your water heater, refrigerator, and air conditioning. Most providers will include three plans: one for appliances, one for systems, and one for both. If you have other systems or appliances that you want covered, like a septic tank or second refrigerator, most companies will offer add-on options that can be tacked on to any plan you choose for an additional cost.
How much does a home warranty cost in Illinois?
The average home warranty costs customers between $300 and $600 per year. There’s such a large price range because there are plans that offer basic and more comprehensive coverage. In addition to the monthly or annual premiums, you’ll also pay a service fee every time you file a claim for a technician to repair one of your covered items. This fee is usually between $75 and $125 per visit.
Who can buy a home warranty in Illinois?
Real estate agents, home sellers, home buyers, and veteran homeowners can all buy a home warranty. The real estate agent and seller in a home sale may choose to include a warranty because that incentivizes potential buyers to pick that house over other homes whose systems and appliances don’t come with protection. If your new home doesn’t come with a warranty or you have owned your home for years, you can still purchase a warranty directly from a provider.
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:
- Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
- Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
- Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
- Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
- State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
- Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
- Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.
In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.
To share feedback or ask a question about this article, send a note to our Reviews Team at email@example.com.