Best Home Warranty Companies in Illinois (2024)
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A home warranty is a service contract that covers repair and replacement costs for home systems and major appliance breakdowns caused by normal wear and tear. When you file a claim, the home warranty provider will send a professional service provider directly to your home to diagnose and repair or replace the item in question.
To help with your home warranty purchasing process, our team evaluated the nation’s best home warranty companies nationwide. We then narrowed down the top options for Illinois homeowners. When making our recommendations, we considered provider coverage caps, monthly plan costs, additional coverage options, and other factors.
Top 5 Home Warranty Companies in Illinois
Here is our list of recommended Illinois home warranty companies:
- American Home Shield: Best Coverage
- Liberty Home Guard: Best Add-On Variety
- Select Home Warranty: Best Budget Coverage
- AFC Home Warranty: Best Membership Perks
- Cinch Home Services: Best Coverage Variety
All pricing information in this article is based on a single-family home (smaller than 5,000 square feet) in Rockford, Illinois. Your pricing may vary depending on your home’s size and type, your location, and your chosen plan and add-on coverages.
Compare Illinois’s Top Home Warranty Companies
| Company | Logo | Star Rating | Monthly Cost | Service Fee | BBB Rating | Link |
|---|---|---|---|---|---|---|
 | $39.99–$79.99 | $100–$125 | B | VISIT SITE | ||
| $49–$60 | $65–$125 | NR | VISIT SITE | ||
 | $55–$75 | $70 | A+ | VISIT SITE | ||
 | $44–$48 | $65–$75 | B | VISIT SITE | ||
 | $45–$70 | $75–$125 | B | VISIT SITE |
American Home Shield
- Number of plans: Three
- Service call fee: $100–$125
- Get a quick quote: Visit American Home Shield’s site
Coverage Overview
American Home Shield (AHS) provides customizability with three coverage plans, adjustable premiums, and your choice of one of two service call fees. The combination plan, ShieldPlatinum, covers systems and home appliances plus additional items, such as roof-leak repair. AHS’s service call fees range from $100 to $125 per filed claim. All plans include coverage for items with preexisting conditions, plus rust, corrosion, and sediment damage.
The ShieldSilver and ShieldGold plans include a $5,000 limit per covered system and $2,000 per appliance. The ShieldPlatinum plan increases its home appliance coverage cap to $4,000 per covered item. Roof-leak repair has a $1,500 coverage cap.
Plans
We outlined American Home Shield’s three plans below.
ShieldSilver ($29.99–$49.99 per month): The ShieldSilver plan protects home systems and components such as doorbells and chimes, garage-door openers, ceiling fans, ductwork, attic and built-in exhaust fans, faucets, toilets, whirlpool tub motor components, water heaters, heating units plus interior electrical lines, main breaker and fuse panel boxes, electrical systems, plumbing, air conditioning, heating systems, plumbing stoppages, and interior plumbing lines.
ShieldGold ($49.99–$69.99 per month): The ShieldGold plan covers both systems and appliances. Covered items include all items listed in the ShieldSilver plan, plus built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, instant cold and hot water dispensers, ovens, cooktops, ranges, and refrigerators.
ShieldPlatinum ($79.99–$99.99 per month): The ShieldPlatinum plan covers everything in the ShieldGold plan, plus roof-leak repair and plumbing system modifications.
American Home Shield
Read more: American Home Shield Review
Liberty Home Guard
- Number of plans: Three
- Service call fee: $65–$125
- Get a quick quote: Visit Liberty Home Guard’s site
Coverage Overview
Liberty Home Guard (LHG) offers three protection plans. LHG includes a $2,000 coverage cap per covered item, and it extends a 60-day workmanship guarantee per completed repair. LHG provides more than 30 unique add-on coverage options for a fully customizable coverage plan. Note that roof-leak coverage is offered as an add-on only.
Liberty Home Guard’s service call fees range from $65 to $125. LHG selects your service call fee based on your home’s type and size, your location, and your coverage and add-on selections.
Plans
We outlined Liberty Home Guard’s three plan options below.
Appliance Guard ($49.99 per month): This plan includes built-in microwave ovens, ceiling and exhaust fans, clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ranges, ovens, cooktops, and refrigerators with built-in ice makers.
Systems Guard ($54.99 per month): The six covered systems include water heaters, ductwork, air conditioning, plumbing, and heating and electrical systems. Liberty Home Guard also protects an additional air conditioning unit or HVAC system; most providers only cover extra units if you purchase an add-on.
Total Home Guard ($59.99 per month): The Total Home Guard plan combines coverage for all items in the Appliance Guard and Systems Guard plans.
Liberty Home Guard
Read more: Liberty Home Guard Review
Select Home Warranty
- Number of plans: Three
- Service call fee: $75
- Get a quick quote: Visit Select Home Warranty’s site
Coverage Overview
Select Home Warranty offers three coverage plans with a low service call fee of $75 per filed claim. In addition, Select sends a reputable service provider within 12 hours of receiving a claim, making it one of the speediest providers for claim response time.
Select’s Bronze Care plan covers home appliances and pairs a low $500 coverage cap per covered appliance. Its Gold Care plan only provides a generous $3,000 coverage cap for heating and air conditioning systems; Select limits all other home systems to $500 per item. Select’s plans also include roof-leak repair coverage of up to $400 per incident.
Plans
Select Home Warranty’s plans are listed below with monthly premiums.
Bronze Care ($44.42 per month): The Bronze Care plan includes appliances such as built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, ovens, refrigerators, and stovetops.
Gold Care ($44.42 per month): The Gold Care plan covers ductwork, water heaters, cooling and heating systems, plumbing, and electrical systems.
Platinum Care ($47.75 per month): The Platinum Care plan combines all items listed in the Bronze Care and Gold Care plans.
Select Home Warranty
Read more: Select Home Warranty Review
AFC Home Warranty
- Number of plans: Four
- Service call fee: $75–$125
- Get a quick quote: Visit AFC Home Warranty’s site
Coverage Overview
AFC Home Warranty offers Illinois homeowners plan flexibility through its four coverage plans and three service call fees. The service call fee options are $75, $100, or $125 per filed claim. AFC also extends an unlimited workmanship guarantee for completed repairs that lasts the life of your plan.
AFC Home Warranty’s Silver Plan includes a $3,000 coverage cap per covered appliance. It pairs its Systems Plan with varied coverage caps: HVAC systems have an unlimited coverage cap, whereas water heaters are limited to $1,000. Read AFC Home Warranty’s sample contract to be aware of all applicable coverage limits.
Plans
AFC Home Warranty’s four plans and monthly prices are listed below.
Silver Plan ($37.17–$41.83 per month): The Silver Plan covers major appliances such as clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators.
Systems Plan ($44.17–$48.92 per month): This plan covers major home systems such as ductwork, air conditioning, electrical, plumbing, water heaters, and heating systems.
Gold Plan ($51.25–$56.00 per month): The Gold Plan combines all Silver Plan and Systems Plan items.
Platinum Plan ($56.00–$60.67 per month): The Platinum Plan protects all items listed in the Gold Plan, plus built-in microwaves, faucets, ice makers, and plumbing stoppages.
AFC Home Warranty
Read more: AFC Home Warranty Review
Cinch Home Services
- Number of plans: Three
- Service call fee: $100–$150
Coverage Overview
Cinch Home Services offers rapid claims processing and generous appliance and systems coverage. During regular business hours, Cinch claims it can process a service request and send a technician to your home within two hours. Like American Home Shield, Cinch includes a $500 reimbursement policy within its Complete Home Care plan, which you can use toward your homeowners insurance deductible.
Cinch provides three home protection plans that include a $10,000 annual coverage cap per covered system, appliance, and add-on. Cinch’s service call fees consist of $100, $125, and $150 options, which are higher than other providers in this article. In addition, unlike most providers on this list, Cinch excludes roof-leak repair coverage.
Plans
Below are Cinch Home Services’ three protection plans:
Appliances ($34.99–$44.99 per month): The Appliances plan covers built-in food centers, microwaves, trash compactors, clothes washers, dryers, cooktops, dishwashers, freestanding ice makers, ranges and range exhaust hoods, refrigerators, and wall ovens. All plans include a $25 air conditioner or refrigerator filter credit to encourage regular maintenance.
Built-in Systems ($39.99–$51.99 per month): The Built-in Systems plan covers air conditioning and heating systems, ductwork, attic and ceiling fans, central vacuum, doorbells, electrical and plumbing systems, garage-door openers, garbage disposals, instant hot and cold water dispensers, smoke detectors, sump pumps, toilets, water heaters, and whirlpool and jetted tubs.
Complete Home Care ($49.99–$61.99 per month): This plan combines coverage for all items listed in the Appliances and Built-in Systems plans. It also adds a reimbursement for your homeowners insurance deductible of up to $500 annually.
Cinch Home Services
Read more: Cinch Home Services Review
Home Warranty Regulations in Illinois
Home warranty companies in Illinois are regulated by the Department of Insurance according to the Service Contract Act. This state oversight ensures companies adhere to certain financial and consumer protection standards.
If you have a home warranty policy and believe your provider has not honored your contract, you can file a consumer complaint with the state.
In addition to government oversight, home warranties are self-regulated by trade associations. For example, the National Home Service Contract Association (NHSCA) is a nonprofit industry trade organization consisting of member companies that follow a code of ethics regarding sound business practices.
Our Recommendation
A home warranty for your Illinois home can safeguard it from unexpected appliance and home systems breakdowns year-round and save you time sourcing a vetted service technician on your own. Our team selected American Home Shield as our top recommendation since it provides comprehensive coverage caps.
Liberty Home Guard is another reputable company that offers coverage flexibility with more than 30 add-ons and extends a 60-day workmanship guarantee on completed repairs. AFC Home Warranty offers plan flexibility via four coverage plans. Before signing up, we recommend requesting quotes from at least three providers to compare costs, coverage options, and add-on selections. We recommend reading each provider’s sample contract to understand the specific coverage exclusions and limitations.
Illinois Home Warranty Companies FAQ
What items do companies typically exclude from home warranty coverage?
While there isn’t a universal set of exclusions home warranty providers follow, you should be aware of several standard coverage exclusions. Routine maintenance, cosmetic defects repair, replacement of defective units, toxic waste removal, and preexisting conditions are common exclusions from home warranties.
Will a home warranty replace a broken item that can’t be repaired?
In many cases, a home warranty will cover replacement costs for a home system or appliance that it can’t repair. Some providers pay a predetermined amount of cash for your faulty unit, while others replace the faulty unit with a similarly-equipped unit.
How much does a home warranty cost in Illinois?
A home warranty contract in Illinois costs an average of $52.76 per month, based on quotes we received from several providers. Your monthly plan cost will vary depending on the provider you choose, your home’s location and your selected coverage.
Do home warranty plans pay for labor?
Yes, home warranties pay for the labor and parts required to repair a covered item within your policy, subject to the coverage cap or the item’s depreciated value. However, you are responsible for paying your home warranty provider a service call fee each time you file a claim.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.
