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Best 6 Home Warranty Companies in Peoria, IL

  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

If you're an Illinois homeowner, you know the importance of reliable heating and cooling. From hot, humid summer days to windy winter nights, a working HVAC system is 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 appliances and systems, protecting your bank account from unexpected expenses. Luckily, we've compiled a list of the top home warranty providers in Peoria, 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 Peoria

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 Peoria

  • Average Max Temperature:
    60°F
  • Average Min Temperature:
    42°F
  • Average Annual Snowfall:
    23.6”
  • Homeownership Rate:
    65%
  • Median Home Size:
    1,551 sqft
  • Median Home Price:
    $115,649

Are Home Warranties Worth It for Peoria Residents?

Yes, home warranties are valuable for Peoria residents. Peoria can have fairly hot days during the summer, and you probably use your air conditioner frequently during the warmer months. Your air conditioner may malfunction over time due to breakdowns from regular wear and tear.

Winters in Peoria are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we received from home warranty companies across the nation.

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

Lastly, your home warranty will connect you with service providers you can trust. Investing in a reputable home warranty company is worth it because companies vet their technicians. If you're focused on work or other priorities, your home warranty provider can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when choosing the right home warranty plan for you.

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and determined that home warranties cost an average of $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are more affordable than comprehensive ones. Appliance plans are typically less costly than home systems coverage plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your particular needs before committing to a plan.

Coverage

You can often find home warranty plans that cover specific appliances and systems. Decide whether you want coverage for major systems (like heating), specific appliances, or both. Then ask your provider what its options are for customized coverage. The following 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
Coverage limits are also important. Our research indicates that providers with higher coverage limits usually charge higher premiums. These providers may still be the right choice for houses with older systems or appliances.

Exclusions

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

Provider Reputation

Consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. Also read customer reviews on sites like Trustpilot, Google Reviews, and Best Company. These reviews can give you an idea of how companies handle claims and customer service. Check with the Illinois Attorney General to verify the status of a provider's state license.

Contractor Network

Consider a home warranty company's service provider network. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. We recommend picking a provider that mentions service contractors you're familiar with. Homeowners in rural areas might prefer home warranty policies that allow you to choose your technician. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.

Frequently Asked Questions about Home Warranty in Peoria

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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