Best Home Warranty Companies In illinois 2024

Illinois experiences snowy winters and humid summers, making it difficult for household devices to function. A home warranty plan can help save all the repair expenses, but selecting a well-suited company can be difficult. To cut down your research work, we have compiled a list of the best home warranty companies in Illinois by considering coverage, pricing, and reputation factors.

Our Picks: 5 Best Home Warranty Companies For illinois Residents

After reviewing all the necessary details, we’ve shortlisted Illinois's top home warranty companies for homeowners. Find the details below to make an informed decision.

Best For Separate Coverage Options

4.9 |

Excellent

$150 Off + 1 Month Free. 30 Day Free Trial!

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

(888) 580-5416

Pros & Cons

Pros

Customizable plans
30-day trial
Has a money-back guarantee

Cons

No proper details about pricing

Plans, Cost & Coverage

Elite provides three plans to Illinois homeowners- Elite Appliances, Elite Systems, and Elite Complete. The pricing can range from $44.99 to $59.99,, and the homeowners must pay a standard service call fee of $70. The coverage limit for appliances is $7000, and for systems, it is up to $8000 for appliances. Here are the pricing details:

Plans	Monthly Premium
Elite Appliances	$44.99
Elite Systems	$49.99
Elite Complete	$59.99

Elite Appliances

Coverage for essential appliances
Perfect for homeowners in search of coverage for refrigerators, dishwashers, and more
Competitive pricing as compared to the competition

Elite Systems

Includes all the major home systems
Home systems such as air conditioning, electrical, and plumbing are covered
Well-suited for homeowners in search of comprehensive plans

Elite Complete

Everything from the Elite Appliances and Elite Systems plan is included
Extensive coverage
Affordable pricing as compared to the competition

Why We Picked It?

Being new in the industry, Elite Home Warranty has become one of the trusted home warranty providers in recent times. The customers have appreciated the impeccable customer service, money-back guarantee, and many other benefits. It should be your first choice if you search for comprehensive plans at affordable prices.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Impeccable customer service
Covers pre-existing conditions
Multiple service fee options

Cons

Limited additional coverage options

Plans, Cost & Coverage

American Home Shield presents three plans: ShieldSilver, ShieldGold, and ShieldPlatinum, with monthly rates ranging from $35.83 to $79.16. Coverage limits for appliances and systems are $2,000 and $5,000, respectively. More detailed information about costs and plan specifics is provided below.

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$35.83	$39.16	$69.16
Cost at $100 Service Call Fee	$45.83	$49.16	$79.16

ShieldSilver

Basic coverage for essential home systems
Limited coverage at an affordable premium
A suitable choice for homeowners on a budget

ShieldGold

Enhanced coverage, including major systems like HVAC and plumbing
Moderate premiums with broader coverage than ShieldSilver
Homeowners looking for comprehensive protection without incurring high costs.

ShieldPlatinum

Coverage for major household items (appliances and systems)
Maximum benefits but a higher premium
Offers peace of mind with comprehensive inclusions

Why We Picked It?

American Home Shield stands out due to its diverse coverage options, a nationwide network of qualified technicians, and customizable plans that cater to individual needs and budgets. Renowned for its high customer satisfaction and reliable reputation, AHS offers Illinois homeowners peace of mind and prompt service during crucial moments.

Best For Affordable Coverage

4 |

Excellent

Monthly Cost

$39 - $62

Service Fee

$50 & $100

Response Time

48 - 72 hours

Pros & Cons

Pros

Deductible and premium options
Choice to pick your own contractor
Roof and extended pipe leak coverage

Cons

High premiums if you choose lower deductible

Plans, Cost & Coverage

APHW provides only one Standard coverage plan option and the option to add optional add-ons. One way to enhance your coverage is the Premier Plan options. Their standard plan covers all the major home appliances and systems, while the Premier Plan adds to the standard coverage. They have a coverage limit of $25,000 per contract term, and the annual fee can range from $706-$762, while monthly payments can be somewhere between $58.82- $63.48

	Standard Coverage Plan (Monthly)	Standard Coverage Plan (Yearly)
Cost at $100 Service Call Fee	$58.82	$706
Cost at $50 Service Call Fee	$63.48	$762

Standard Plan

Coverage for important home systems and appliances
Roof and extended pipe leak coverage
Multiple payment options

Why We Picked It?

America’s Preferred Home Warranty provides coverage for home systems and appliances. The pricing is kept affordable, and customer reviews show high customer satisfaction, making it one of the top picks in Illinois.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Discounts on multi-year plans
Extensive contractor network

Cons

Lower dollar limit for appliances

Plans, Cost & Coverage

Select Home Warranty’s Gold Care Plan and Bronze Care Plan start at $44.42, which is expensive for a basic plan compared to the industry standards. Platinum Care is priced at $47.75 per month. The company provides a generous coverage cap of $3,000 for HVACs, per industry standards. However, there is only a $500 coverage cap for electrical systems, appliances, and plumbing work.

Here are the pricing details:

Plans	Monthly	Yearly
Bronze Care	$44.42	$479.99
Gold Care	$44.42	$479.99
Platinum Care	$47.75	$524.99

Bronze Care

Coverage for important home appliances
Suitable for homeowners seeking basic coverage for appliances

Gold Care

Systems coverage and minimum appliances coverage
Affordable pricing

Platinum Care

Covers 18 major home systems and appliances
Includes plumbing stoppages, ceiling fans, and garage door openers
Comprehensive coverage

Why We Picked It?

Select Home Warranty provides separate coverage for both home systems and appliances. The 60-day guarantee on workmanship is something appreciated by the customers, along with the free roof coverage option with all of its plans.

Best For Add-ons

4.7 |

Excellent

$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Comprehensive range of add-on options
Coverage for home systems and appliances
Prompt responses

Cons

Limited choices for coverage

Plans, Cost & Coverage

Liberty Home Guard has three plans, including Appliance Guard, Systems Guard, and Total Home Guard. They are tailored to meet the customized needs of homeowners and offer coverage for major home systems and appliances. Find the detailed list of costs and plans here:

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99	$54.99	$59.99
Annual Plan	$499.99	$549.99	$599.99

Appliances Guard

Includes kitchen and laundry appliances
Covers nine essential appliances for $49.99 per month

Systems Guard

Includes comprehensive coverage for major home systems
Has coverage for six major home systems
People seeking coverage for vital home systems

Total Home Guard

Provides coverage for both appliances and systems
Includes 15 essential home systems for $59.99 per month
Extensive coverage that provides peace of mind

Why We Picked It?

Liberty Home Guard is known to offer one of the best customer services in the industry. They provide an extensive range of coverage for home appliances and systems. Their flexible plans are something that makes them one of the top providers on our list.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Are Home Warranty Plans Beneficial For Illinois Homeowners?

Home warranty plans bring several advantages to homeowners in Illinois, addressing specific challenges of the state:

Illinois experiences both hot summers and cold winters, putting considerable stress on HVAC systems throughout the year.
Harsh winter conditions can lead to plumbing issues, including frozen pipes.
Illinois homeowners may face repair costs ranging from $200 to $1200 for appliances like refrigerators, washers, and dryers.
With the increasing costs of home repairs, a home warranty plan allows homeowners to budget more effectively by spreading potential expenses over time through regular premium payments.

A well-tailored home warranty for Illinois residents addresses the specific challenges posed by the state's climate and weather conditions. It is a proactive measure that provides homeowners financial protection and peace of mind.

How Much Does Illinois Home Warranty Cost?

The cost of home warranty companies in Illinois can vary based on several factors, including the provider, coverage options, plan details, and the size of your home. Find the average cost here:

Average Annual Cost

$300 - $650

Average Monthly Cost

$40 - $90

Average Service Fee (Deductible)

$60 - $125

Here are some factors that influence the cost of a home warranty in Illinois:

Essentials vs. Expansive Coverage: The extent of coverage significantly impacts the cost. Basic plans covering essential appliances and systems like refrigerators, furnaces, and plumbing will be more affordable.
Additional Coverages: Add-ons generally increase the price of the plans and should be factored in when getting a home warranty. Many Illinois homeowners opt for additional coverage, such as well-pump coverage and septic system coverage, to address specific issues, especially in rural Illinois, which can also increase costs.
Service Fee Or Deductible: The amount of this fee can impact the overall cost of the warranty. Plans with lower service fees may have slightly higher annual premiums.
Provider and Plan Options: Various home warranty providers offer different plans with various pricing structures. It’s essential to compare plans from multiple providers to find one that aligns with your specific needs and budget.
Home Size & Age: The size and age of your home can also influence the cost. Larger or older homes with older systems and appliances may require more coverage, affecting the overall pricing.

Home Warranty Coverage In Illinois

The extent of home warranty coverage in Illinois can differ based on the particular company and plan you select. However, certain inclusions and exclusions are commonly encountered.

General Coverage Of Illinois Home Warranty

Home warranty coverage in Illinois typically includes protection for essential home systems and appliances. While coverage can vary among providers and plans, here are some common items that are often included:

Heating & Cooling Illinois’ diverse climate makes a reliable HVAC system crucial. Your warranty can cover repairs for your furnace, air conditioner, heat pump, and ductwork, ensuring year-round comfort.
Electrical Home warranties ensure the safety and functionality of your electrical system by covering repairs for wiring, outlets, switches, and breaker panels. This is particularly important for older homes with potentially outdated electrical systems.
Plumbing It safeguards against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures, protecting your home from potential water damage, especially important during harsh winters in Illinois.
Essential Kitchen Appliances Home warranty plans protect against unexpected breakdowns of essential appliances like refrigerators, ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine.
Laundry Appliances Washing machines and dryers are commonly covered, ensuring your laundry routine runs smoothly, even if your appliances encounter issues
Garage Door Opener Some plans include coverage for garage door opener repair or replacement.

Common Exclusions

Pre-Existing Conditions Issues that already exist in your home’s systems or appliances before the start of the home warranty coverage may not be covered.
Cosmetic Issues Home warranties generally do not cover repairs or replacements solely for cosmetic purposes.
Maintenance neglect If a breakdown occurs due to a lack of proper maintenance or neglect, it may not be covered by the home warranty.
Specific Exclusions Home warranty plans may have specific exclusions outlined in the terms and conditions.

Here Are Some Additional Points To Consider

Well Pump Coverage If your home relies on a well for water, like most rural Illinois homes, consider adding well pump coverage to your plan for additional protection against breakdowns specific to the state.
Septic System Coverage For homes with septic systems, explore plans with optional coverage for potential repairs.
Harsher Winters Illinois winters can be harsh. Plans with strong HVAC coverage or adding coverage for specific components like furnace igniters or heat pump coils might be valuable.
Coverage Caps Some plans may have caps on how much they will pay for repairs or replacements.
Service Call Fees The fees can vary between companies, with some charging a set amount per service call and others employing a variable fee structure.
Network Limitations Homeowners should inquire about the availability of service providers in their specific area to ensure timely repairs or replacements.

Who Regulates Home Warranty Companies In Illinois?

In Illinois, home warranty companies are regulated by the Illinois Department of Insurance (IDOI). The IDOI oversees insurance-related matters within the state, including the home warranty companies.

Service contracts, including home warranties, fall under the insurance category in Illinois, and as such, they are subject to certain regulations set by the IDOI. The department ensures home warranty providers comply with state laws, maintain financial stability, and adhere to fair business practices.

Final Word

In conclusion, for Illinois homeowners facing the challenges of extreme temperatures and unpredictable weather, selecting a suitable home warranty plan is crucial. Understanding common exclusions and additional considerations will help homeowners make informed decisions, ensuring financial protection and peace of mind in case of unexpected home system and appliance issues.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

What Factors Influence the Cost of a Home Warranty in Illinois?

The cost of a home warranty depends on factors such as coverage level, service fees, provider and plan options, and the size and age of your home. These variables can impact the overall annual or monthly expenses.

Are there Specific Coverage Options for Illinois Homeowners Due To Its Climate?

Reputable home warranty providers offer coverage tailored to Illinois’s unique challenges. This includes protection for HVAC systems, plumbing, and appliances affected by the state’s varying temperatures and weather conditions.

Can I Choose A Service Provider In Illinois With A Home Warranty?

In Illinois, home warranty plans typically come with a network of pre-approved service providers. While some flexibility may exist, you may be required to use a technician within the provider’s network for certain services. It’s essential to review the terms and conditions of your specific home warranty policy to understand the provider’s requirements regarding service providers.

Do Home Warranty Companies Cover Pre-Existing Conditions In Illinois?

Home warranty companies typically do not cover pre-existing conditions. These companies usually provide coverage for issues that arise after the effective date of the home warranty, and they may conduct a pre-service review to determine whether a problem is a pre-existing condition.