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Best Home Warranties in Illinois

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    Author picture
    Written by Taylor Sansano
    Edited by Vincent Landino

    Our research team vetted 15 home warranty companies that are rated by more than 1,249 customers in Illinois. Read our guide to choose the best home warranty in Illinois for you by comparing plans, contract lengths and service fees.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 3,933,926 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Key insights

    • Our top picks include American Home Shield, Choice Home Warranty, Home Warranty of America, American Residential Warranty and Select Home Warranty.
    • To find the best home warranty in Illinois for you, think about your major risks, even if you have a new home.
    • A home warranty in Illinois typically costs between $35 and $90 per month from our top picks.

    Our 5 Illinois home warranty picks

    Here are our favorite home warranty companies in Illinois, based on local reviews:

    Methodology

    To select our top picks, we started with the home warranty companies available in Illinois on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Illinois, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

    Our top pick overall American Home Shield AUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: 1 year
    • Service fee range: $75, $100 or $125

    American Home Shield’s plans cover up to 23 major systems and appliances for more than 2 million members. You can tailor your service fee or add coverage to customize your plan to fit your needs and budget. When you need a repair, you can make a claim by phone or through its online portal. All repairs are then backed by a 30-day workmanship guarantee.

    We’ve compared this company’s plans based on select coverage items below.

    ShieldSilverShieldGoldShieldPlatinum
    Monthly premium cost*$44.99 to $59.99$54.99 to $69.99$74.99 to $89.99
    Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-on
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezer
    Well pumpAdd-onAdd-onAdd-on
    ShieldSilver$44.99 to $59.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldGold$54.99 to $69.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldPlatinum$74.99 to $89.99$75, $100 or $125Add-onAdd-onAdd-on

    *For a home in Chicago at the time of publishing

    At the time of publishing, American Home Shield has by far the best reviews in Illinois of any warranty company we analyzed, combining a high quantity of reviews with a very strong ratio of 5-star to 1-star reviews.

    Patrick from Palatine wrote, “I'm a Realtor so I've dealt with a lot of home warranty companies and so far, American Home Shield has outshined the other companies.”

    “AHS replies very quickly and the job gets done within a reasonable amount of time. Timeliness is key, especially when a major appliance goes down,” provided another Illinois resident that didn’t wish to be named.

    Our pick for quality technicians Choice Home Warranty AUTHORIZED PARTNER
    • Number of plans: 2
    • Contract length: 1 year
    • Service fee range: $85

    Choice Home Warranty has handled more than 4 million claims through its network of 15,000+ contractors. You can utilize its website or 24/7 hotline to submit a claim. At the time of publishing, you can receive a free month of service when you sign up for a single-payment contract, too.

    We’ve compared this company’s plans based on select coverage items below.

    Basic planTotal plan
    Monthly premium cost*$46.67$55.00
    Service call fee*$85$85
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-on
    Roof leak repairsAdd-onAdd-on
    Second refrigeratorAdd-onAdd-on
    Septic pumpAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-on
    Well pumpAdd-onAdd-on
    Basic plan$46.67$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Total plan$55.00$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Chicago at the time of publishing

    Illinois residents generally give Choice Home Warranty good reviews, and they frequently mention satisfaction with the technicians CHW sent out.

    Clareatha from Chicago wrote, “The tech explained everything to me, he showed me what he was doing and why. He took the time to diagnosis the problem and he did not rush. He arrived on time and immediately started working. Also, he made sure everything was working properly before he left my house by having me check each vent for proper airflow.”

    “My gas furnace stopped early AM Sunday,” reported Raymond from Palatine. “CHW made arrangements for a tech. visit ASAP. He discovered a critical part had to be replaced. CHW approved, tech procured part, tech returned & installed part, furnace ran normal again, all on the same day. Amazing Service.”

    Our pick for an easy claim process Home Warranty of America
    • Number of plans: 2
    • Contract length: 1 year
    • Service fee range: $75 or $100

    Home Warranty of America offers two home warranties: the Premier Plan and the Premier Plus Plan. Both offer fairly similar coverage at first glance, but the Premier Plus Plan adds coverage for your air conditioner and extended coverage for certain appliances and systems, like your heating.

    You can file a claim by phone or online through the company’s website. Repairs are completed by licensed technicians, and all HWA warranties come with a 30-day money-back guarantee.

    We’ve compared this company’s plans based on select coverage items below.

    Premier PlanPremier Plus Plan
    Monthly premium cost*$46.08 to $48.38$59.92 to $64.54
    Service call fee*$75 or $100$75 or $100
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-on
    Roof leak repairs
    Second refrigeratorAdd-onAdd-on
    Septic pumpAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-on
    Well pumpAdd-onAdd-on
    Premier plan$46.08 to $48.38$75 or 100Add-onAdd-onAdd-onAdd-onAdd-on
    Premier plus plan$59.92 to $64.54$75 or 100Add-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Chicago at the time of publishing

    Reviews for Home Warranty of America in Illinois are generally positive and frequently mention how convenient it was to make a claim.

    “Home Warranty of America has provided great service and it's very valuable for me,” wrote Ernest from Worth. “The claim submission is perfect and their representatives are very fast. I haven’t had any issues with the contractors and the quality of the work they had done.”

    Nicholas from Oak Forest had similar feelings: “This was my 1st time ever using a warranty for a house. And the help I got was great. The agent was really helpful with the whole process. The agent walked me through the process and gave me all the information on the company that will be showing up for service today.”

    Our pick for flat pricing American Residential Warranty AUTHORIZED PARTNER
    • Number of plans: 4
    • Contract length: Month to month
    • Service fee range: Varies

    American Residential Warranty offers you the ability to bundle plans or tailor coverage to your needs with policy add-ons. The company’s pricing structure is also somewhat unique in that rates are posted on its website and don’t fluctuate based on your home or location.

    We’ve compared this company’s home warranty plans based on select coverage items below.

    Kitchen PlusHeating & CoolingPlatinumPlatinum Premier
    Monthly premium cost*$34.99$39.99$49.99$59.99
    Service call fee*VariesVariesVariesVaries
    Built-in microwavesAdd-on
    Clothes dryersAdd-onAdd-onAdd-onAdd-on
    Clothes washersAdd-onAdd-onAdd-onAdd-on
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    PlumbingAdd-onAdd-onAdd-on
    Water heatersAdd-on
    PoolsAdd-onAdd-onAdd-onAdd-on
    Roof leak repairs
    Second refrigeratorAdd-onAdd-onAdd-onAdd-on
    Septic pump
    Stand-alone freezer
    Well pumpAdd-onAdd-onAdd-onAdd-on
    Kitchen plus$34.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Heating & cooling$39.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Platinum$49.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Platinum premier$59.99VariesAdd-onAdd-onAdd-onAdd-onAdd-on

    *At the time of publishing

    As of publishing, American Residential Warranty actually has the highest ratio of 5-star to 1-star reviews in Illinois of any company we analyzed. Reviewers also seem happy with the company’s customer service.

    “Great customer service from Andi,” wrote Stacey from Schaumburg. “She was helpful and slowly went through all the options with me and sent me everything via email to review thoroughly. This is our second year with American Residential Warranty and they seem to be doing a good job and have been helpful.”

    Licia from Chicago also had a good experience with a representative: “I spoke with Pam before on another call & this morning 4/5/21. She has a customer friendly voice & a willingness to help you. I hear through Pam’s voice that she cares to make sure she has answered your questions.”

    Our pick for low service fees Select Home Warranty AUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: 1 year
    • Service fee range: Typically $60 to $75

    Select Home Warranty provides customizable plans for covering home systems, appliances or both. These plans do not limit the number of covered repairs for properly maintained appliances, and in the event that you need a repair or replacement, you can file a claim on its website or by email.

    We’ve compared this company’s plans based on select coverage items below.

    Bronze CareGold CarePlatinum Care
    Monthly premium cost*$60.42$60.42$65.83
    Service call fee*Typically $60 to $75Typically $60 to $75Typically $60 to $75
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-onAdd-on
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-onAdd-on
    Well pumpAdd-onAdd-onAdd-on
    Bronze Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
    Gold Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
    Platinum Care$65.83Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Chicago at the time of publishing

    Select Home Warranty’s reviews in Illinois are solid, and many of them mention saving money thanks to discounts and promotions.

    Bharat from Lisle wrote, “I contracted for 6 years at an awesome price of 5 years and my monthly fee is half compared to what I pay to other home warranty vendor. My service fee is also reduced by 50% at $60 per service call which is great.”

    Latrice from Chicago had a similar experience: “I was offered multiple choices and discounts. I am so happy that I made this decision to purchase. This decision gives me and my family great comfort in knowing that we have help In the event that something happens.”

    Compare Top Illinois Home Warranty Companies

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      How to find the best home warranty company in Illinois

      chicago illinois skyline

      While a home warranty won’t protect you from weather-related events in the same way that homeowners insurance does, Illinois’ climate can affect your home systems and appliances enough to make a home warranty a good option.

      Temperature extremes can strain your HVAC system, and precipitation can expose a leaky roof. So, whether you’re dealing with bitterly cold winters in Chicago or heavy rain in Little Egypt, you should be aware of your specific weather risks and make sure your plan covers the items that are important to you.

      Check your coverage limits as well. Some companies cap how much they pay for a repair or replacement. If your HVAC system breaks down and costs $5,000 to repair but your warranty company caps your coverage at $2,500, you’ll be stuck with a $2,500 bill.

      Coverage limits can make or break a home warranty, so don’t skim over the details when reading your contract.

      Home warranty regulations in Illinois

      Illinois’ Service Contract Act sets pretty standard requirements for home warranty companies in the state. Home warranty companies in Illinois must:

      • Maintain strict financial records
      • Have certain policies in place for reimbursement and cancellation
      • Be registered and up to date with the state Department of Insurance

      Notably, Illinois doesn’t have a statute requiring warranties for new construction. Some new residents might find this a bit odd because many other states have these laws in place to protect homebuyers against poor construction.

      Instead, Illinois has what’s called an "Implied Warranty of Habitability” established by the courts. In very basic terms, this means that you can expect your new home to be in livable condition but still benefit from purchasing a home warranty.

      In Illinois, home warranties are regulated by the Department of Insurance, and you can use the department’s website to file a grievance against a home warranty company if you have a dispute.

      Illinois home warranty FAQ

      How much does a home warranty cost in Illinois?
      In Illinois, you can expect to pay between $35 and $90 per month for a home warranty from one of our top picks, not including discounts or add-ons.

      Plans on the lower end of this price range are usually more limited, while higher-end plans are generally more comprehensive. You may also pay more per month if you add additional coverage, like for a pool or spa. In some cases, companies may allow you to choose a higher service fee in exchange for a lower monthly payment, though.

      Is a home warranty worth it in Illinois?
      It depends on what you’re looking for. A home warranty is never guaranteed to give you a worthwhile return on investment. If enough things don’t go wrong with your house, you may end up spending more on your policy than you would have on repairs.

      However, if you want a layer of protection against large out-of-pocket costs and a more consistent way to budget for home repairs, a home warranty might be right for you.

      What should I look for in a home warranty company?
      While it’s common to prioritize value and coverage, you should also want your warranty company to have a good reputation.

      Reading reviews and asking friends and family for recommendations are good ways to find a company that actually holds up its end of the bargain. Choose a company that has a great track record of timely repairs and claim approvals.

      Bottom line

      Illinois doesn’t present many unique wrinkles when it comes to buying a home warranty, so your decision can be relatively simple. However, you should still do some research before purchasing. If you want to learn more, check out our nationwide home warranty guide and our resources on home warranty coverage and home warranty costs.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. Illinois General Assembly, “(215 ILCS 152/) Service Contract Act.” Accessed December 13, 2021.
      2. Illinois Association of Defense Trial Counsel, “The Implied Warranty of Habitability in Construction Defect Cases.” Accessed December 13, 2021.

      Not sure how to choose?

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