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7 Best Home Warranty Companies In Chicago, Illinois

Unwind from appliance anxieties and system snafus with our guide to the best home warranty companies in Chicago, Illinois. Let local experts handle repairs while you enjoy worry-free Windy City living. Dive in and find your perfect coverage match now!

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image displaying the family residing in chicago, illinois buying home warranty for the protection of their homes
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Offer Ends
In

$200 Off*
Free roof Coverage* +2 Months additional coverage
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100,000 user reviews

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16+ Years Of Experience

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6 Million Homeowners Served

OUR #1 PICK
fourhalf_star4.9/5
$150 Off + First Month Free
MOST POPULAR
fourhalf_star4.1/5
1st Month Free + Free Roof Coverage

List Of The Best Home Warranty Companies In Chicago

Let's explore some of the best home warranty companies in Chicago based on their coverage, customer service, affordability, and more.

Elite Home Warranty

Pros

  • Provides weekend and emergency services
  • Provides comprehensive coverage limits
  • Offers expanded options for add-on features

Cons

  • 30-day waiting period
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$150 Off + 1 Month Free. 30 Day Free Trial!

Premium

$45 - $60

Deductible

$70

States covered

49 states

Coverage not available in California

Appliances Coverage Limit

$15K

Response Time

24 - 48 hours

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Pros

  • Provides weekend and emergency services
  • Provides comprehensive coverage limits
  • Offers expanded options for add-on features

Cons

  • 30-day waiting period

Choice Home Warranty

Pros

  • Trusted by more than 1.5M American homes
  • 4 week guarantee of craftsmanship
  • Free one month of coverage with all the plans

Cons

  • No choice to opt for the contractor/technician
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1st month free + Free roof coverage

Premium

$46 - $55

Deductible

$75 - $125

States covered

49 states

Coverage not available in Washington

Appliances Coverage Limit

Upto $3K/item

Response Time

Up to 48 hours

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Pros

  • Trusted by more than 1.5M American homes
  • 4 week guarantee of craftsmanship
  • Free one month of coverage with all the plans

Cons

  • No choice to opt for the contractor/technician

The Home Service Club

Pros

  • 13 months of coverage available
  • Comprehensive 90 days parts recall guarantee
  • Deductibles starting from $65

Cons

  • Services not available 24/7

Premium

$50 - $62

Deductible

$65 - $125

States covered

All 50 U.S states

Appliances Coverage Limit

$6K - $9K per plan

Response Time

24 to 48 hours

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Pros

  • 13 months of coverage available
  • Comprehensive 90 days parts recall guarantee
  • Deductibles starting from $65

Cons

  • Services not available 24/7

First American Home Warranty

Pros

  • Coverage for pre-existing conditions which are unknown
  • Experience of almost 4 decades
  • High aggregate coverage limits of $25K

Cons

  • Poor customer reviews

Premium

$47 - $87

Deductible

$75, $100 & $125

States covered

35 states

Coverage not available in Alaska, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Massachusetts, Maine, Minnesota, North Dakota, New Hampshire, New York, Rhode Island, Vermont and Wisconsin

Appliances Coverage Limit

$2.5K

Response Time

Up to 48 hours

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Pros

  • Coverage for pre-existing conditions which are unknown
  • Experience of almost 4 decades
  • High aggregate coverage limits of $25K

Cons

  • Poor customer reviews

Liberty Home Guard

Pros

  • Roof leak protection covered with no extra costs
  • Extensive optional coverage list covering 43 items
  • Workmanship guarantee of 60 days

Cons

  • Slightly inexperienced in the market compared to others
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$200 off + 2 months free + Free roof leak protection

Premium

$50 - $60

Deductible

$90

States covered

All 50 U.S states

Appliances Coverage Limit

$2K/Item

Response Time

Up to 48 hours

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Read Less

Pros

  • Roof leak protection covered with no extra costs
  • Extensive optional coverage list covering 43 items
  • Workmanship guarantee of 60 days

Cons

  • Slightly inexperienced in the market compared to others

ServicePlus Home Warranty

Pros

  • Plans starting from $2/day
  • Provides continuous customer assistance
  • Up to $200 Off on multi year plans

Cons

  • Limited number of coverage plans
image displaying the offers available for the purchase of the home warranty plan

$200 Off + 2 Months Free*

Premium

$43 - $79

Deductible

$75

States covered

46 states

Coverage not available in California, Nevada, New York and Washington

Appliances Coverage Limit

$3K/item

Response Time

48 hours

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Read Less

Pros

  • Plans starting from $2/day
  • Provides continuous customer assistance
  • Up to $200 Off on multi year plans

Cons

  • Limited number of coverage plans

Complete Protection Home Warranty

Pros

  • One of the few companies with no service call fees
  • Connected to over 12K contractors
  • Offers preventative maintenance services

Cons

  • Coverage caps are on the lower side

Premium

$45 - $75

Deductible

No Service Fee

States covered

47 states

Coverage not available in Massachusetts, New York and Wisconsin

Appliances Coverage Limit

$150 - $1K

Response Time

up to 48 hours

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Read Less

Pros

  • One of the few companies with no service call fees
  • Connected to over 12K contractors
  • Offers preventative maintenance services

Cons

  • Coverage caps are on the lower side
OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Pro Tip: To make a smart and informed decision on your home warranty purchase, explore the services and benefits offered by the market leaders on our Best Home Warranty Companies page now.

Home Warranty Cost And Coverage-Related Details For Chicago Residents

With the right Chicago home warranty, you can have peace of mind knowing that your home's systems and appliances are protected. However, understanding the cost and coverage options for home warranties in Chicago is crucial for making an informed decision.

Cost Considerations

Coverage Options
  • Premiums This is the regular payment you make to the home warranty company to keep the coverage active. The premium amount can vary depending on several factors, such as the size of your home, the age of your home, and the level of coverage you choose. You can expect to pay anywhere between $19 to $89 monthly.
  • Deductibles These are the out-of-pocket expenses you must pay when making a claim. The deductible can vary from $50 to $125, depending on the company and your chosen coverage plan.
  • Cost Calibration Chicago home warranty pricing depends on your home's size, age, chosen coverage level, and optional add-ons like pool or septic protection.
  • Systems and Appliances Coverage This typically includes heating and cooling systems, electrical systems, plumbing systems, and kitchen appliances.
  • System Steadfasts Plumbing, electrical, heating, and air conditioning systems can be included in your Chicago plan. This usually covers repairs or replacements for covered components due to sudden breakdowns, keeping your systems shipshape.
  • Optional Add-Ons Customize your coverage with Chicago-specific options like roof leak protection, sewer line coverage, or even smart home device repair. Weigh the extra cost against the added peace of mind these upgrades offer.

Looking to learn more about home warranty coverage in the state? Head to our Illinois state page now.

Why Should Chicago Citizens Get A Home Warranty?

For Chicago citizens, getting a home warranty is particularly beneficial for various reasons that can impact the longevity and performance of their homes. Let’s check them out.

  • Protection against unpredictable weather Chicago is known for its extreme weather conditions, from bitter cold winters to scorching summers. These temperature fluctuations can put a strain on home systems. With a home warranty, Chicago citizens can ensure that their HVAC systems and appliances are protected. 
  • Peace Of Mind Chicago also has many historic neighborhoods with aging properties. While these homes possess unique charm and character, they often have their fair share of maintenance issues. 
  • Cost-Effective Home Ownership Owning a home can be expensive, with repairs and replacements adding up quickly. A home warranty provides Chicago citizens a cost-effective way to maintain their homes. Instead of paying out of pocket for unexpected breakdowns, homeowners can pay a monthly or annual fee for a warranty.
  • Convenience And Ease Of Service When a covered system or appliance breaks down, contacting a service provider and scheduling repairs can be a hassle. With a home warranty, homeowners have the convenience of a single point of contact for all their repair needs. The warranty company will have a network of pre-screened service providers who will handle repairs or replacements quickly and efficiently.
  • Added Value For Resale If you plan on selling your home in the future, having a home warranty can be a selling point for potential buyers. It provides them with an added sense of security, knowing that they will be covered in case of any unexpected repairs after purchasing the property.

Cost Of Common Household Repairs In Chicago

In this section, we will explore the cost of various repairs in the Chicago area and provide helpful insights for homeowners.

  • Plumbing

    Repair

    Average Cost 

    Running Toilet

    $150-$250

    Clogged Drain

    $150-$300

    Sewer Line Repair

    $2,000-$10,000

    Toilet Repair Services

    $100 – $400

    Well Pump

    $250 – $550

  • Electrical

    Repair

    Average Cost

    Pool/Spa Services

    $975+

    Panel Upgrade

    $1,000-$4,000

    Electrical Fixture 

    $100 – $200

    Faulty Wiring

    $150 – $500

    Broken Outlet

    $100-$200

  • HVAC

    Repair

    Average Cost 

    Thermostat Repair

    $150 – $450

    Air Conditioner Repair

    $150 – $1000

    AC Compressor Repair

    $350 – $2,500

    Furnace Repair

    $300 – $500

    Ductwork Cleaning

    $300-$600

  • Appliances

    Repair

    Average Cost

    Refrigerator Repair

    $200-$480

    Dishwasher Repair

    $100-$300

    Garbage Disposal Repair

    $150-$450

    Oven Repair

    $180-$400

    Washing Machine Repair

    $100-$350
OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Essential Points To Consider While Getting A Home Warranty In Chicago, IL

Deciding on home warranties can offer you peace of mind and financial protection in case of unexpected repairs or replacements in your home. But first, let’s explore the importance of keeping a few essential points in mind before you sign up for the best home warranty company in Chicago.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Who Regulates Home Warranty Companies In Chicago?

In Chicago, home warranty companies are typically not regulated by a specific state agency. However, they may be subject to consumer protection laws and regulations overseen by the agencies below:

Illinois Attorney General's Office (IAGO)

IAGO handles consumer complaints against any business, including home warranty companies. You can file a complaint online or by phone.

llinois Department Of Financial & Professional Regulation (IDFPR)

IDFPR licenses and regulates insurance companies, but home warranty companies are not considered insurance in Illinois. However, they may investigate complaints against companies that misrepresent their services as insurance.

National Home Service Contract Association (NHSCA)

NHSCA association sets a code of ethics for its members, which includes fair dealing with consumers.

Service Contract Industry Council (SCIC)

SCIC advocates for consistent regulation of the service contract industry, including home warranties. They also maintain a list of member companies.

  • Illinois Attorney General's Office (IAGO)

    IAGO handles consumer complaints against any business, including home warranty companies. You can file a complaint online or by phone.

  • llinois Department Of Financial & Professional Regulation (IDFPR)

    IDFPR licenses and regulates insurance companies, but home warranty companies are not considered insurance in Illinois. However, they may investigate complaints against companies that misrepresent their services as insurance.

  • National Home Service Contract Association (NHSCA)

    NHSCA association sets a code of ethics for its members, which includes fair dealing with consumers.

  • Service Contract Industry Council (SCIC)

    SCIC advocates for consistent regulation of the service contract industry, including home warranties. They also maintain a list of member companies.

Conclusion

In the unpredictable world of home ownership, having the right home warranty plan can provide peace of mind and financial security. The best home warranty companies in Chicago, Illinois, offer a range of comprehensive plans to protect your home's vital systems and appliances. Take the time to research and compare different providers, and choose the plan that fits your unique needs.

OUR #1 PICK

$150 Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

FAQs

What Are The Most Frequent Home Warranty Claims In Chicago?

The frequently reported issues in Chicago include HVAC systems, plumbing repairs, electrical malfunctions, kitchen appliance problems, water heater failures, and garage door opener issues. Weather conditions, the age of homes, and the wear and tear on various components can influence the frequency of these claims.

Are Roof & Porch Repairs Covered By Home Warranty Companies In Chicago?

Roof and porch repairs are typically not covered by standard home warranty plans. Home warranties generally focus on the major systems and appliances within a home, such as HVAC systems, plumbing, electrical systems, kitchen appliances, and more. 

Roof and porch repairs are often considered part of the house’s structural elements rather than individual appliances or systems. Some home warranty companies may offer optional coverage or add-ons for items like roof leaks, but reviewing the terms and conditions is essential.

What Are The Things Chicago Citizens Need To Keep In Mind While Getting A Home Warranty?

For Chicagoans, focus on coverage for HVAC systems due to the city’s variable climate. Ensure that service providers are well-established in the area and consider the impact of extreme weather conditions on home systems. Additionally, check for coverage of potential weather-related damages, like roof leaks or furnace breakdowns during harsh winters.

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