BEAUTY IN THE FRIDGE

4 Best Home Warranty Companies In Illinois (2021)

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A Chicago home with large green front yard and red lawn chairs.

If you’re a homeowner in Illinois, a home warranty can save you money and provide peace of mind against costly repairs on your home’s most important appliances and systems. Because the market is saturated with home warranty companies, it can be difficult to determine which provider is best for you. Our team of experts has reviewed the top home warranty companies available, accounting for cost, coverage, state availability, customer service and more. 

Read our picks for the best home warranty coverage in Illinois.


In This Article:

  1. Best Overall: American Home Shield
  2. Best for Aging Homes: Choice Home Warranty
  3. Best for Value Shoppers: Select Home Warranty
  4. Most Customizable Plan Options: America’s 1st Choice Home Club
  5. Our Verdict
  6. Frequently Asked Questions

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.


Best Overall: American Home Shield

Quick Take

Our team of reviewers rated American Home Shield (AHS) as the best overall home warranty provider in Illinois. Since 1971, American Home Shield has grown to serve every state but Alaska and has a network of over 15,000 contractors. It also offers three coverage plans and allows customers to choose between three service call fees, which is the amount you pay a contractor at the time of repairs.

ProsCons
Provides three comprehensive coverage plansGuarantees repairs for only 30 days
Has a $6,000 coverage cap on appliances through its ShieldPlatinum Plan, which is one of the highest coverage limits in the industryNot available in Alaska
Offers flexible service fees, ranging from $75–$125

Plans & Coverage

American Home Shield offers three plans: ShieldSilver, ShieldGold and ShieldPlatinum. The ShieldSilver plan covers important home systems, such as your air conditioning and plumbing, while the ShieldGold plan covers 23 systems and appliances, including your refrigerator, electrical system and dishwasher.

The ShieldPlatinum plan covers the same 23 items as the ShieldGold plan, but it also includes one free pre-season HVAC tune-up, $1,000 in coverage for modifications, code-required changes and permits, a $6,000 coverage limit on appliances and unlimited air conditioning refrigerant.

In addition to these three plans, American Home Shield provides add-on coverage for increased protection. AHS offers an electronics protection plan, which covers TVs, laptops and smart home gear, ipln addition to coverage for your pool or spa, well pump, septic pump and guest home for an additional monthly fee.

Coverage

ShieldSilver

ShieldGold

ShieldPlatinum

Roof leak repairs

  

Air conditioner

Heating unit

Ductwork

Built-in exhaust, vent and attic fans

Main breaker and fuse panel box

Doorbells and chimes

Interior electrical lines

Ceiling fans

Garage door openers

Interior plumbing lines

Toilets

Faucets and valves

Whirlpool tub motor and components

Water heater

Refrigerator

 

Range/Cooktop

 

Oven

 

Dishwasher

 

Built-in microwave oven

 

Garbage disposal

 

Instant hot/cold water dispenser

 

Clothes washer

 

Clothes dryer

 


Cost

With an American Home Shield plan, customers can pay $75, $100 or $125 per service call. If you choose a higher service call fee, your monthly rate will be lower, while a lower service call fee will slightly increase your monthly payment. Here’s a monthly cost breakdown for each plan:

Plan

$75 Service Fee

$100 Service Fee

$125 Service Fee

ShieldSilver

$39.99

$29.99

$24.99

ShieldGold

$49.99

$39.99

$34.99

ShieldPlatinum

$64.99

$54.99

$49.99

Get a Free Quote

To get a free quote from American Home Shield, call 844-529-9298 or fill out this online form.


Best For Aging Homes: Choice Home Warranty

Quick Take

Choice Home Warranty (CHW) was founded in New Jersey in 2008, and its home warranties are available in every state except California and Washington. It scored best among home warranty companies for covering aging homes because it protects your appliances and systems as long as they’ve been well-maintained, no matter how old your home is, doesn’t require a home inspection for coverage and provides free repairs within 90 days if an item breaks after a repair.

Pros

Cons

Provides 24/7 customer service

Has only two plan options, while most companies generally offer three coverage plans

Offers a low service call fee of $85

Its coverage limits are lower than some competitors’ coverage limits

Provides add-on coverage for 10 optional items

Plans & Coverage

Choice Home Warranty offers two plans: the Basic Plan and the Total Plan. The Basic Plan covers 14 appliances and systems, including your plumbing system and dishwasher, which is unique since most home warranty companies cover only appliances or only systems in their basic coverage plan. The Total Plan covers all 14 items in the Basic Plan, plus your refrigerator, air conditioning and laundry appliances.

Here’s a breakdown of what’s covered under each plan:

Coverage

Basic Plan

Total Plan

Heating system

Electrical system

Plumbing system

Plumbing stoppages

Air conditioning

 

Water heater

Whirlpool bathtub

Refrigerator

 

Oven/Range/Stove

Cooktop

Dishwasher

Built-in microwave

Garbage disposal

Clothes washer

 

Clothes dryer

 

Ductwork

Garage door opener

Ceiling and exhaust fans

Cost

Here’s a breakdown of how much each Choice Home Warranty plan costs:

Plan

Cost

Basic Plan

$41.69 per month

Total Plan

$50.00 per month

Get a Free Quote

Get a free quote from Choice Home Warranty by calling 929-400-6165 or filling out this online form.


Best For Value Shoppers: Select Home Warranty

Quick Take

In our review, Select Home Warranty scored the best among home warranty companies for consumers who are shopping on a budget. Select is available in 46 states, except Nevada, New York, Washington and Wisconsin, and provides reasonably priced coverage for major home systems and appliances. Its plans range from $41–$47 per month and its service call fee is $75, which is on the low end of the industry average of $65–$125.

Pros

Cons

Offers free roof leak coverage

Has low coverage caps compared to some competitors

Covers single-family homes, rental properties, mobile homes and condos

Charges repeat service fees if a technician has to return to make another repair

Provides discounts on multi-year plans

Plans & Coverage

Select offers three plans: Bronze Care, Gold Care and Platinum Care. The Bronze Care plan covers appliances like your washer and dryer, the Gold Care plan covers systems like your heating and plumbing and the Platinum Care plan covers everything under the Gold Care and Bronze Care plans for a small increase in price. The Platinum Care plan also adds protection for plumbing stoppages and covers your garage door opener and ceiling fans.

Here’s a breakdown of what’s covered under each Select Home Warranty plan:

Coverage

Bronze Care

Gold Care

Platinum Care

Air conditioning

 

Ductwork

 

Electrical system

 

Heating system

 

Plumbing system

 

Water heater

 

Cooktop

 

Dishwasher

 

Garbage disposal

 

Built-in microwave

 

Refrigerator

 

Stove/Oven

 

Clothes washer

 

Clothes dryer

 

Garage door openers

  

Plumbing stoppages

  

In addition to Select’s three plans, the company offers add-on coverage for the following items:

  • Central vacuum
  • Lawn sprinkler system
  • Pool
  • Spa
  • Septic system
  • Stand-alone freezer
  • Sump pump
  • Well pump

Cost

All Select Home Warranty plans come with a $75 service call fee. Here’s how much each Select Home Warranty plan costs:

Plan

Cost

Bronze Plan

$41.00 per month

Gold Plan

$41.00 per month

Platinum Plan

$47.00 per month

Get a Free Quote

You can get a free quote from Select Home Warranty by calling 888-370-3956 or filling out this online form.


Most Customizable Plan Options: America’s 1st Choice Home Club

Quick Take

America’s 1st Choice Home Club (AFC) is another national home warranty provider with a reputation for giving its customers more plan and pricing options than its competitors. Since 2009, the company has expanded its reach to include 46 states, with full service offered to Illinois residents. We also love AFC’s commitment to allowing its customers to choose their own contractors.

Pros

Cons

Offers multiple plan and payment options

Customers must submit a claim within one day after noticing an issue with a covered item

Has a one- or three-year contract term

Charges customers a $75 cancellation fee if they cancel their contracts

Allows for 24/7 service requests online

Plans & Coverage

With four different plans available, America’s 1st Choice Home Club is our top pick for flexible plans. It offers a Systems Plan, Silver Plan, Gold Plan and Platinum Plan. Here’s a breakdown of what each plan offers:

Coverage

Systems Plan

Silver Plan

Gold Plan

Platinum Plan

Clothes dryer

 

Clothes washer

 

Refrigerator

 

Oven/Range/Cooktop/Stove

 

Dishwasher

 

Garbage disposal

 

Garage door opener

 

Water heater

 

Air conditioning

 

Heating system

 

Electrical system

 

Plumbing system

 

Ductwork

  

Plumbing stoppages

   

Faucets

   

Ice maker

   

Built-in microwave

   

America’s 1st Choice Home Club also provides optional add-on coverage for the following items:

  • Tankless water heater
  • In-ground pool
  • Stand-alone freezer
  • Sump pump
  • Septic system
  • Well pump
  • Double oven
  • Central vacuum
  • Ice maker
  • Hot water dispenser
  • Built-in microwave

Cost

Customers can choose between a one- or three-year plan and select a $75, $100 or $125 service call fee. Note: The monthly plan rate will be higher or lower depending on the plan length and service fee you choose.

Here’s a breakdown of America’s 1st Choice Home Club plan prices:

Plan

$75 Service Fee

$100 Service Fee

$125 Service Fee

Systems Plan

$39.58

$35.42

$31.25

Silver Plan

$37.50

$35.42

$33.33

Gold Plan

$45.83

$43.75

$41.67

Platinum Plan

$50.00

$47.92

$45.83

Get a Free Quote

To get a free quote from America’s 1st Choice Home Club, call 877-755-1115 or fill out this online form.


Our Verdict

If you’re an Illinois resident and want to protect your major home systems and appliances, consider investing in a home warranty plan from one of the above providers. With affordable monthly plans and comprehensive coverage, you’ll receive peace of mind knowing that your home items are protected if an unexpected breakdown occurs.

While American Home Shield is our top recommended home warranty provider, we suggest getting a free quote from each company listed above so that you can compare coverage and pricing and find a home warranty plan that works best for you.


Frequently Asked Questions About Illinois Home Warranties

What is a home warranty?

A home warranty is a service contract between you and your home warranty provider that protects you against costly repairs on major systems and appliances that break down due to normal wear and tear.

How do I get a sample quote from a home warranty provider?

Fill out the online form under the “Get a Free Quote” section under each provider section. Most companies will ask for your name, phone number and ZIP code. Note: The prices listed in this article reflect sample quotes in Illinois for homes under 5,000 square feet.

What is a service call fee?

The service call fee, also known as a trade service call fee or service fee, acts as a deductible. Normally, you’ll pay between $65 and $125 for a technician to be dispatched to your home to make repairs; your home warranty provider should cover any other charges. Check your contract for full details.

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