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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

If you're a homeowner in Illinois, you know the importance of reliable heating and cooling. From hot, humid summer days to windy winter nights, well-functioning HVAC systems are essential. But when an appliance or system fails, repairs can be expensive.

That's where a home warranty can help. Home warranties provide coverage for major systems and appliances, protecting your bank account from unexpected expenses. Luckily, we've compiled a list of the best home warranty providers in Niles, Illinois.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

6 Best Home Warranty Companies in Niles

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Niles

  • Average Max Temperature:
    57°F
  • Average Min Temperature:
    41°F
  • Average Annual Snowfall:
    38.3”
  • Homeownership Rate:
    57%
  • Median Home Size:
    1,475 sqft
  • Median Home Price:
    $347,119

Are Home Warranties Worth It for Niles Residents?

Home warranties are valuable for Niles residents. Niles summers can get hot, which makes it important to have a reliable air conditioner. However, this system can malfunction over time due to breakdowns from regular wear and tear.

Niles also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies across the nation.

The regular rain in Niles can cause damage to your roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair.

Finally, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet every service provider they use. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when choosing your home warranty plan.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost approximately $53–$62 per month. You'll also pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are generally more affordable than comprehensive ones. Appliance plans are more affordable than home systems coverage plans. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before selecting a plan.

Coverage

Figure out which systems and appliances you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be tailored to your needs, and many companies offer systems-only plans for those who only need select coverage (such as for heating). You can also find plans that cover only select appliances. Here is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, consider coverage limits. You may opt for a provider with higher coverage limits if you have older systems or appliances. According to our research, companies with higher coverage caps typically charge higher premiums.

Exclusions

Home warranties usually only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies will also not cover cosmetic issues or appliance components, theft, defects, or routine maintenance. Your provider will outline its exclusions and limitations in its service contract. Read your contract thoroughly to fully understand the terms and conditions of your plan.

Provider Reputation

Also, consider provider reputation when choosing a plan. You can read customer reviews on sites such as Google Reviews, Trustpilot, and Best Company or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to assess how providers handle customer service and claims. Check with the Illinois Attorney General to verify a provider's state license.

Contractor Network

Take into account a home warranty company's service provider network. Any company you choose should use licensed and registered contractors to fulfill service requests; make sure to ask your company where and how it sources technicians. Select a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so it's important to have the option to source your own.

Frequently Asked Questions about Home Warranty in Niles

More Home Warranty Resources

Sources

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

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