Best 6 Home Warranty Companies in Skokie, IL

Are Home Warranties Worth It for Skokie Residents?

Yes, home warranties are worth it for Skokie residents. Skokie summers can have some very hot days, which means it's important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Skokie winters are very cold, meaning you rely on your heating system often. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty coming in at around $644–$737 annually based on 120 quotes we received from home warranty companies across the nation. Skokie's regular rain showers can also affect your roof.

Some home warranty companies offer limited roof-leak coverage to ease the financial burden of repair. Lastly, a home warranty connects you with trustworthy service providers. A reputable home warranty is a good investment because companies vet their technicians.

When life keeps you busy, your home warranty company can ensure that someone reliable will handle your problem.

What To Consider Before Choosing a Home Warranty Company

Think about these important factors when determining the right home warranty plan for you.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty costs between $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. A basic home warranty is more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before purchasing a plan.

Coverage

You can look for a home warranty plan that covers specific systems and appliances. Decide whether you need coverage for major systems (such as 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

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Typically, home warranties don't cover preexisting conditions or improper installation. Most policies only cover breakdowns from normal wear and tear. Most also exclude cosmetic issues or appliance components, theft, defects, or routine maintenance. Each provider will outline its limitations and exclusions in its service contract. Thoroughly read your contract to fully understand your plan's terms and conditions.

Provider Reputation

Also, consider a provider's reputation when making a decision. You can find customer reviews on sites such as Best Company, Google Reviews, and Trustpilot or look at a company's Better Business Bureau (BBB) rating. Ratings and reviews are a great way to see how providers handle customer service and claims. 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 provider should always send licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Choose a provider that mentions the names of familiar service contractors. Residents of rural areas might consider home warranties that allow the customer to choose their technician. You may need to source your own provider if no in-network ones are available in your area.