Best Home Warranty Companies in Illinois
Illinois homeowners know better than most how to prepare for extreme weather conditions during the winter. A home warranty can act as a complement to your home insurance and provide peace of mind by repairing your home’s systems and appliances should they break down.
The This Old House Reviews Team analyzed and reviewed the best home warranty companies in the nation, and determined the top providers available in Illinois. We compared plan options, costs, coverage limits, and additional perks before making our selections.
Illinois’ Top 3 Home Warranty Companies
The highest-rated Illinois home warranty companies include the following:
- Liberty Home Guard: Best Customer Ratings
- American Home Shield: Best for Comprehensive Coverage
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
Summary of the Best Home Warranty Companies in Illinois
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.
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Appliance | Average Repair Cost | Average Replacement Cost |
---|---|---|
Dehumidifier |
$50–$200 |
$1,300–$2,800 |
Microwave |
$50–$400 |
$60–$2,000 |
Dishwasher |
$50–$500 |
$400–$3,000 |
Exhaust Fans |
$16–$300 |
$250–$950 |
Electric Range |
$100–$500 |
$230–$3,000 |
Gas Range |
$100–$500 |
$230–$3,000 |
Dryer |
$100–$400 |
$450–$2,300 |
Oven |
$100–$430 |
$400–$3,000 |
Washer |
$50–$450 |
$400–$2,300 |
Freezer |
$90–$500 |
$160–$2,900 |
Refrigerator |
$40–$350 |
$200–$5,000 |
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
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.
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 Conclusion
If you’re in the market for an Illinois home warranty, we recommend looking into Liberty Home Guard, American Home Shield, and Select Home Warranty. These companies provide comprehensive coverage at affordable price points and offer 24/7 customer service. We encourage you to get a quote from all three companies before making a purchase since pricing can vary depending on your specific region and home’s square footage. We also recommend reading their sample contracts to be aware of their coverage exclusions and limitations.
Other Resources for Residents in Illinois
- Best Homeowners Insurance in Illinois
- Best Solar Companies in Illinois
- Best Moving Companies in Illinois
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major US city below.
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys.
We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
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- Additional coverage items
- Annual coverage cap
- Home systems coverage
- Major appliances coverage
- Obstructed wall coverage cap
- Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
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- Average monthly cost
- Cost flexibility
- Lowest service fee
- Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
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- Brand reputation
- Policy change flexibility
- Sample contract availability
- Workmanship guarantee length
- Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
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- Claims process
- Guaranteed response time
- Service flexibility
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.