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Best Home Warranties in Illinois

We compared 15 companies and chose the top home warranty providers

    • Cinch Home Services
      4.1(11,483)
    • Choice Home Warranty
      4.0(65,656)
    • American Home Shield
      3.9(103,635)

    Top Picks

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      Best Home Warranties in Illinois

      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.

      Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

      Our editor’s picks

      Why trust ConsumerAffairs?
      • Our recommendations are based on what reviewers say.
      • 4,567,379 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.

      Our 4 Illinois home warranty picks

      Below are our favorite home warranty companies in Illinois, based on local reviews and company offerings.

      American Home Shield

      3.9
      103,635 reviews
      Buyer's Choice Award Winner
      Plans available
      3
      Service fees
      $100 or $125
      Starting costs
      $29.99
      5x Award Winner
      Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price
      Special Offer

      Black Friday Savings

      Limited Time Black Friday Offer: 50% off select Home Warranty Plans

      American Home Shield’s plans cover up to 24 major systems and appliances for more than 2 million members as of publishing. 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 the company’s 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.

      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.

      Danielle from Matteson wasn’t happy with her experience: “They weren't able to fix my issue. I had to find somebody else to fix it. I'm not paying $47 a month plus a $125 service fee for someone to come and can't fix it.”

      Choice Home Warranty

      4.0
      65,656 reviews
      Buyer's Choice Award Finalist
      Plans available
      2
      Service fees
      $100
      Starting costs
      $46.83

      Choice Home Warranty has handled more than 6 million claims through its network of 25,000 contractors as of publishing. You can submit a claim through its website or its 24/7 phone hotline.

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

      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.”

      Occasionally, reviewers mention problems with customer service, including unsolicited calls and difficulty reaching representatives.

      ARW Home

      3.7
      2,565 reviews
      Buyer's Choice Award Winner
      Plans available
      3
      Service fees
      $100
      Starting costs
      $49.99
      1x Award Winner
      Selected for having one of the highest satisfaction rates for Best Customer Service
      Special Offer

      Get 2 months FREE

      2 free months of coverage on a home warranty

      ARW Home 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 plans based on select coverage items below.

      As of publishing, ARW Home 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 ARW Home 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.”

      Some reviewers have complained about a lengthy and frustrating claims process and difficulty reaching customer service.

      Our pick for low service fees

      Select Home Warranty

      3.0
      14,417 reviews
      Plans available
      3
      Service fees
      $60 or $75
      Starting costs
      $60.42

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

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

      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.”

      Occasionally, customers say canceling their policy was difficult, mentioning unexpected fees and resistance from the company.

      Compare Top Illinois Home Warranty Companies

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        chicago illinois skyline

        How to find the best home warranty company in Illinois

        While a home warranty won’t protect you from weather-related events in the same way 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.

        » MORE: Best home warranties for HVAC

        Home warranty regulations in Illinois

        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. Regulations for home warranty companies are laid out in the Illinois Service Contract Act.

        The 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

        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 on 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 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.

        Methodology

        ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

        To choose the top home warranty companies in Illinois, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Illinois. We then weighted several key features to get our final rankings:

        • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
        • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
        • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
        • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.

        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 articles on home warranty coverage and home warranty costs.

        Guide sources
        ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
        1. llinois General Assembly, “Service Contract Act.” Accessed Oct.18, 2024.
        2. Illinois Association of Defense Trial Counsel, “The Implied Warranty of Habitability in Construction Defect Cases.” Accessed Oct. 18, 2024.

        Not sure how to choose?

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