Best 5 Home Warranty Companies in Chicago, IL

Are Home Warranties Worth It for Chicago Residents?

Home warranties are advantageous for Chicago residents. Chicago summers can have some very hot days, which means it's important that your air conditioner is working well. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Chicago winters are very cold, meaning you rely on your heating system often. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. The regular rain in Chicago can damage your home's roof.

The financial burden of this will be lessened if your home warranty has roof-leak protection. Lastly, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs.

Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

Consider the following factors to determine the best home warranty for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and determined that the average home warranty cost is $53–$62 per month. You'll also pay a service call fee of between $65–$125 whenever you file a claim. Basic home warranty plans tend to be more affordable than comprehensive ones. Appliance plans are typically less costly than home systems coverage plans. Most plans give you the option of getting add-on coverage options for an additional monthly fee. Consider your particular needs before purchasing a plan.

Coverage

You can look for a home warranty plan that covers specific appliances and systems. Decide whether you want coverage for major systems (such as heating), specific appliances, or for both. Then ask your provider what its options are for customized coverage. Here is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Most home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover appliance components or cosmetic issues, theft, routine maintenance, or defects. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.

Provider Reputation

You should also consider provider reputation. You can also find real customer reviews on sites such as Trustpilot, Best Company, and Google Reviews. Reviews and ratings can show how providers handle claims and customer service. Check with the Illinois Attorney General to verify that a provider holds a valid state license.

Contractor Network

Take into account a home warranty company's service provider network. Your provider should always use licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions service contractors you're familiar with. Residents of rural areas may consider choosing a home warranty provider that lets customers pick their technicians. It's important to have the option to source your own providers if no in-network ones are available in your area.