Best Home Warranties in Illinois

• Our top picks include American Home Shield, Choice Home Warranty, Home Warranty of America, American Residential Warranty and Select Home Warranty.
• To find the best home warranty in Illinois for you, think about your major risks, even if you have a new home.
• A home warranty in Illinois typically costs between $35 and $90 per month from our top picks.

Here are our favorite home warranty companies in Illinois, based on local reviews:

• Our top pick overall: American Home Shield
• Our pick for quality technicians: Choice Home Warranty
• Our pick for an easy claim process: Home Warranty of America
• Our pick for flat pricing: American Residential Warranty
• Our pick for low service fees: Select Home Warranty

Methodology

To select our top picks, we started with the home warranty companies available in Illinois on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Illinois, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

American Home Shield’s plans cover up to 23 major systems and appliances for more than 2 million members. 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 its 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.

*For a home in Chicago at the time of publishing

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.

Choice Home Warranty has handled more than 4 million claims through its network of 15,000+ contractors. You can utilize its website or 24/7 hotline to submit a claim. At the time of publishing, you can receive a free month of service when you sign up for a single-payment contract, too.

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

*For a home in Chicago at the time of publishing

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.”

Home Warranty of America offers two home warranties: the Premier Plan and the Premier Plus Plan. Both offer fairly similar coverage at first glance, but the Premier Plus Plan adds coverage for your air conditioner and extended coverage for certain appliances and systems, like your heating.

You can file a claim by phone or online through the company’s website. Repairs are completed by licensed technicians, and all HWA warranties come with a 30-day money-back guarantee.

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

*For a home in Chicago at the time of publishing

Reviews for Home Warranty of America in Illinois are generally positive and frequently mention how convenient it was to make a claim.

“Home Warranty of America has provided great service and it's very valuable for me,” wrote Ernest from Worth. “The claim submission is perfect and their representatives are very fast. I haven’t had any issues with the contractors and the quality of the work they had done.”

Nicholas from Oak Forest had similar feelings: “This was my 1st time ever using a warranty for a house. And the help I got was great. The agent was really helpful with the whole process. The agent walked me through the process and gave me all the information on the company that will be showing up for service today.”

American Residential Warranty 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 home warranty plans based on select coverage items below.

*At the time of publishing

As of publishing, American Residential Warranty 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 American Residential Warranty 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.”

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

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

*For a home in Chicago at the time of publishing

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.”

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

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

Notably, Illinois doesn’t have a statute requiring warranties for new construction. Some new residents might find this a bit odd because many other states have these laws in place to protect homebuyers against poor construction.

Instead, Illinois has what’s called an "Implied Warranty of Habitability” established by the courts. In very basic terms, this means that you can expect your new home to be in livable condition but still benefit from purchasing a home warranty.

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.

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 resources on home warranty coverage and home warranty costs.