{"id":10034,"date":"2024-03-12T18:50:52","date_gmt":"2024-03-12T18:50:52","guid":{"rendered":"https:\/\/topat10.com\/?p=10034"},"modified":"2024-03-12T18:50:52","modified_gmt":"2024-03-12T18:50:52","slug":"top-5-best-home-warranty-companies-in-illinois","status":"publish","type":"post","link":"https:\/\/topat10.com\/?p=10034","title":{"rendered":"Top 5 Best Home Warranty Companies in Illinois"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"text\">\n<p>The Prairie State is famous for its beautiful farmland, wetlands, forests, rolling hills, and Chicago\u2019s impressive skyscrapers. With its temperamental weather of heavy snow, moderate rainfall, and warm summers, Illinois homeowners face a lot of stress when their appliances break down on a hot or frigid day. After all, no one wants to be left without a heater on a freezing day or roof leaks following the rain. This is where a home warranty comes in.<\/p>\n<p>While home warranties have a mixed reputation due to some of the sketchy companies out there, a good home warranty protects you when your appliances or home systems suddenly break down and need replacement or repair. Since most of us don\u2019t have the funds to replace <a href=\"https:\/\/todayshomeowner.com\/hvac\/cost\/hvac-installation-cost\/#:~:text=up%20to%20%2436%2C530.-,You%20can%20expect%20to%20pay%20between%20%245%2C540%20to%20%2410%2C980%20per,of%20your%20old%20HVAC%20unit.&amp;text=Cost%20data%20includes%20the%20unit,construction%20materials%20and%20labor%20database.\">our HVAC unit<\/a> (you\u2019re looking at close to $6,000 all the way up to $11,000 for that one), a home warranty provides extra financial protection and peace of mind.\u00a0<\/p>\n<p>But how do you find a reputable home warranty company?<em> <\/em>I\u2019m here to help.<em> <\/em>I\u2019ve spent countless hours researching, speaking with customer service representatives, and secret shopping to narrow down the list of the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/best-home-warranty\/\">best home warranty companies<\/a> in Illinois. These five companies are scored using Today\u2019s Homeowner\u2019s rigorous and unique review criteria, which consider company reputation, coverage and plans, affordability, customer experience, availability, and the provider\u2019s claim process.<\/p>\n<div class=\"gb-container gb-container-1ec44ac5\">\n<div class=\"gb-container gb-container-6b5605fa\">\n<p>Why Trust Us?<\/p>\n<p class=\"gb-headline gb-headline-833a84ce gb-headline-text\">Here\u2019s how we ranked and reviewed the nation\u2019s top home warranty companies to bring you the most accurate information.<\/p>\n<\/div>\n<div class=\"gb-grid-wrapper gb-grid-wrapper-0fc132e8\">\n<div class=\"gb-grid-column gb-grid-column-51155eae\">\n<div class=\"gb-container gb-container-51155eae\">\n<p>76<\/p>\n<div class=\"gb-container gb-container-c2f490be gb-accordion\">\n<div class=\"gb-container gb-container-661fa18a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a399d06c gb-accordion__toggle\"><span class=\"gb-button-text\">companies reviewed<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 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L12.1099173,23.1665331 L12.0757714,23.7811639 C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-855135ce\">\n<p class=\"gb-headline gb-headline-c774fe11 gb-headline-text\">Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-8c16dcf2\">\n<div class=\"gb-container gb-container-8c16dcf2\">\n<p>152<\/p>\n<div class=\"gb-container gb-container-addedde8 gb-accordion\">\n<div class=\"gb-container gb-container-80c16dcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-eefbc2e8 gb-accordion__toggle\"><span class=\"gb-button-text\">quotes collected<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 L12.4804777,23.8096931 L12.4953491,23.8136134 L12.4953491,23.8136134 L12.5071152,23.8096931 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L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9b418bbf\">\n<p class=\"gb-headline gb-headline-e4fc7235 gb-headline-text\">We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-e928fcce\">\n<div class=\"gb-container gb-container-e928fcce\">\n<p>6<\/p>\n<div class=\"gb-container gb-container-065b1b7a gb-accordion\">\n<div class=\"gb-container gb-container-70fc3e42 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9d4e4cfe gb-accordion__toggle\"><span class=\"gb-button-text\">rating factors<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 L12.4804777,23.8096931 L12.4953491,23.8136134 L12.4953491,23.8136134 L12.5071152,23.8096931 L12.6106902,23.7357139 L12.6232938,23.7196733 L12.6232938,23.7196733 L12.6266527,23.7031097 L12.609561,23.275831 C12.6075724,23.2657013 12.6010112,23.2592993 12.5934901,23.257841 L12.5934901,23.257841 Z M12.8583906,23.1452862 L12.8445485,23.1473072 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C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3e6b7d8f\">\n<p class=\"gb-headline gb-headline-0a32b967 gb-headline-text\">Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"has-text-align-right\">Read our full <a href=\"https:\/\/todayshomeowner.com\/home-warranty-methodology\/\">Home Warranty Review Methodology<\/a> for more details.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Top 5 Illinois Home Warranty Companies<\/h2>\n<section id=\"th-subscribe-block_be0db996a217345b356541b31961e20f\" class=\"th-block th-subscribe\">\n<div class=\"d-flex flex-column my-4 p-4 highlightsBlock\">\n<p>Highlights<\/p>\n<ul>\n<li>Liberty Home Guard is my top pick for its customizable plans, solid coverage caps, and unique add-ons, such as a reverse osmosis water filter, carpet cleaning, and pest control (I\u2019ve never seen coverage for these offered by any provider before). <\/li>\n<li>Look into a complete home warranty plan providing coverage for home appliances and systems. Many dissatisfied home warranty customers choose a plan with coverage for only one and then feel burned later when they aren\u2019t covered for the other. Most plans with coverage for both are only a few dollars more, and it\u2019s usually worth the extra money. <\/li>\n<li>I\u2019ll be honest \u2014 here\u2019s a case where a home warranty really isn\u2019t necessary: If you have a new home or primarily new appliances and systems covered by manufacturer\u2019s warranties, you don\u2019t need to double up on coverage. <\/li>\n<\/ul><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-my-expert-recommendation\">My Expert Recommendation<\/h2>\n<p>Liberty Home Guard is my recommendation for its hugely customizable plans that allow you to mix and match coverage to maximize your security. With its list of over 40 add-ons, you can select unique offerings like a casita guest unit, carpet cleaning, and limited roof leak \u2014 critical for Illinois homeowners experiencing lots of snow since you don\u2019t want water damage to spread to other parts of your home, leaving you with even more expensive repairs.\u00a0<\/p>\n<p>If I had more expensive, luxury home appliances, I\u2019d go with Elite Home Warranty for its above-and-beyond coverage limits of up to $6,000 for appliances and up to $10,000 for home systems like your HVAC. These limits give me a lot of peace of mind that I wouldn\u2019t be stuck paying part of the bill replacing a more pricey item like my AC unit. Plus, Elite has top-notch customer ratings from Yelp and Trustpilot (nearly five stars each) and an A+ rating from the Better Business Bureau (BBB).\u00a0<\/p>\n<section id=\"th-tips-block_f5c66b79f988e45d042b27452a639087\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>            Liberty Home Guard is my recommendation for its hugely customizable plans that allow you to mix and match coverage to maximize your security.        <\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Illinois Home Warranty Companies I Didn\u2019t Include<\/h3>\n<p>I didn\u2019t include the Sears Home Services Warranty because of <a href=\"https:\/\/www.wftv.com\/news\/action9\/appliance-warranty-complaints-lead-class-action-lawsuit-action-9-results\/R5276JB3TFEVPAF6OV7L62NXLA\/\">a recent class-action lawsuit<\/a> against it after it refused to pay for a covered refrigerator and left the customer without a fridge for two months. This provider also received mixed reviews online, with a 1-star rating from Yelp at the time of writing and over 7,000 complaints closed on the BBB in the last three years alone. Neither of these findings gave me much faith in the Sears plan.\u00a0<\/p>\n<p>In addition to Sears, I excluded Naperville-headquartered home warranty provider <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/pivotal-home-solutions\/\">Pivotal Home Solutions<\/a>, which settled <a href=\"https:\/\/www.insurancejournal.com\/blogs\/academy-journal\/2022\/10\/14\/690086.htm\">a significant disability discrimination lawsuit<\/a> in October 2022 with a former employee. The employee had excellent performance evaluations, but upon learning about their post-traumatic stress disorder and anxiety after having a panic attack at work, the supervisor reached out to several staff representatives asking that the employee be separated because of her \u201cnervous breakdown.\u201d There were even talks of firing the employee. While the dispute was settled for $175,000, I was hugely disappointed to learn how Pivotal treated its employees. In addition, Pivotal has a terrible D rating from the Better Business Bureau, isn\u2019t BBB-accredited, and has received many poor reviews from reputable ratings sites, such as a 1.4-star rating from Yelp.\u00a0\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-compare-the-highest-rated-home-warranties-in-illinois\" data-toc-text=\"Compare Best Home Warranty Companies\">Compare The Highest Rated Home Warranties In Illinois<\/h2>\n<p class=\"has-small-font-size\"><em>Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-our-reviews-of-the-best-home-warranties-in-illinois\">Our Reviews of the Best Home Warranties in Illinois<\/h2>\n<div class=\"gb-container gb-container-9ecbcd85\">\n<div class=\"gb-container gb-container-ae7310e8\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-a1c5dcba\">\n<div class=\"gb-grid-column gb-grid-column-68e5d0eb\">\n<div class=\"gb-container gb-container-68e5d0eb\">\n<p>Best for Customization<\/p>\n<h3 class=\"gb-headline gb-headline-1e790e41 gb-headline-text\">Liberty Home Guard<\/h3>\n<p class=\"gb-headline gb-headline-8a6fa0e3 gb-headline-text\">4.6<\/p>\n<p class=\"gb-headline gb-headline-22b15352 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-3fdd3eb9 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$200 Off + 2 Months free + Free Roof Leak Coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-b6a19f5b gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-adabc3a7 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-c2e411d6 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-2e4faabe gb-tabs__items\">\n<div class=\"gb-container gb-container-d249a59c gb-tabs__item gb-tabs__item-open\">\n<p>Liberty Home Guard has the most unique add-ons I\u2019ve seen from any provider in the industry. For example, you can opt for added coverage for gutter cleaning, pest control, carpet cleaning, window washing, power washing, and even re-keying two-cylinder locks. On top of that, Liberty has add-ons for pro-series appliances, including brands like Chambers, Marvel, American Range, and KitchenAid \u2014 this is a huge benefit for homeowners with luxury appliances who want coverage through Liberty but are concerned about hitting its coverage caps.\u00a0<\/p>\n<p>Liberty has a 4.7-star Google reviews rating and overall positive reviews from rating websites, including Trustpilot, where it also has a 4.7-star rating. This is phenomenal compared to providers like American Home Shield, with poor 1- and 2-star ratings. The high rating reflects Liberty\u2019s above-and-beyond customer service, which I experienced during my secret shopping. The quote process was exceptionally easy, making it a memorable experience.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-212c2d09 gb-tabs__item\">\n<p>Despite its many amazing customization options, Liberty falls short with its lower coverage limits. Most providers in the industry offer at least $3,000 in coverage caps, but Liberty maxes out at a mere $2,000. If you have luxury appliances or are worried about an HVAC replacement (which easily costs over $6,000), this is nowhere near enough. For more complete coverage, consider providers like American Home Shield with up to $5,000 or Elite Home Warranty with as much as $10,000 coverage on home systems.\u00a0<\/p>\n<p>Another downside is the high cost of Liberty\u2019s add-ons. While this company has an unmatched number of add-on options, most cost $14.99 to $20 per month, which can quickly stack up on top of your monthly premium.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8a7035e5 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-d611f17e gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-da53a45d gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 9.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-8bcf5a13\">\n<p>Liberty Home Guard is one of my top home warranty provider picks for good reason. Its extensive add-ons (over 40!) are practically unheard of in the industry, with other highly rated providers like American Home Shield offering less than 10. These options give you, the customer, so much flexibility when creating the ideal plan for your home, budget, and particular appliances, especially if you have pro-series appliances that require more coverage. You can even select from unique offerings I\u2019ve yet to see from other providers, such as carpet cleaning, pest control, and window washing \u2014 a great option after <a href=\"https:\/\/stateclimatologist.web.illinois.edu\/climate-of-illinois\/#:~:text=January%205%2C%201999.-,Precipitation,inches%20in%20extreme%20southern%20Illinois.\">heavy Illinois snowfall<\/a>.\u00a0<\/p>\n<p>On top of this, Liberty\u2019s customer reputation and claims process are standouts, with a 4.7-star rating from Trustpilot (I\u2019ve only seen one other provider, Elite Home Warranty, with a rating over 4 stars, so this is very impressive.)<\/p>\n<p>On the other hand, Liberty Home Guard has lower coverage caps than I\u2019d like to see at a maximum of $2,000, depending on the item and plan. Unfortunately, this is insufficient for homes with luxury appliances (unless you opt for that pro-series coverage), so your better bet may be choosing a provider like Elite Home Warranty, which offers anywhere from three to five times that amount of coverage. Still, if you don\u2019t need that high of a coverage cap or choose appropriate add-ons to cover pricier appliances, Liberty Home Guard is still one of the best providers on the market for its excellent availability, emergency service, 60-day workmanship warranty, extensive add-on options, and mix-and-match plans.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8a74e626 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-929af486 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-6d46f2de\">\n<p>Liberty Home Guard has excellent plan offerings with appliance-only, systems-only, and combination options (the Total Home Guard Plan), which is my preferred choice. For only $5 to $10 more, based on the quotes I received below, you receive coverage for both home systems and appliances, which is an amazing deal for the added coverage you\u2019re receiving.\u00a0<\/p>\n<p>The following prices don\u2019t include the $200 off or two months free discounts.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Appliance Guard<\/em><\/td>\n<td><em>$49.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td>Two months free, free limited roof leak protection, $200 off coupon (website or phone)<\/td>\n<\/tr>\n<tr>\n<td><em>Systems Guard<\/em><\/td>\n<td><em>$54.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td>Two months free, free limited roof leak protection, $200 off coupon (website or phone)<\/td>\n<\/tr>\n<tr>\n<td><em>Total Home Guard<\/em><\/td>\n<td><em>$59.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td>Two months free, free limited roof leak protection, $200 off coupon (website or phone)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, IL. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>If you\u2019re looking for unique add-ons, Liberty is hands down the best provider in the industry for its extensive choices. Illinois homeowners may particularly benefit from the limited roof leak, septic system pumping, sump pump, second refrigerator, and standalone freezer options, which Liberty shares are the most popular add-ons in Illinois.\u00a0<\/p>\n<ul>\n<li>Pool and spa: $19.99\/month<\/li>\n<li>Additional spa: $9.99\/month<\/li>\n<li>Lawn sprinkler system: $9.99\/month<\/li>\n<li>Saltwater pool: $23.99\/month<\/li>\n<li>Generator: $19.99\/month<\/li>\n<li>Casita guest unit: $35.99\/month<\/li>\n<li>Sump pump: $8.99\/month<\/li>\n<li>Well pump: $12.99\/month<\/li>\n<li>Septic system pumping: $12.99\/month<\/li>\n<li>Ejector pump: $14.99\/month<\/li>\n<li>Grinder pump: $14.99\/month<\/li>\n<li>Limited roof leak: $11.99\/month<\/li>\n<li>Re-key: $9.99\/month<\/li>\n<li>Gutter cleaning: $14.99\/month<\/li>\n<li>Pest control: $14.99\/month<\/li>\n<li>Carpet cleaning: $19.99\/month<\/li>\n<li>Window washing\/cleaning: $19.99\/month<\/li>\n<li>Power washing (exterior flooring): $19.99\/month<\/li>\n<li>Central vacuum: $8.99\/month<\/li>\n<li>Stand alone freezer: $5.99\/month<\/li>\n<li>Water softener: $13.99\/month<\/li>\n<li>Swamp cooler: $14.99\/month<\/li>\n<li>Second refrigerator: $7.99\/month<\/li>\n<li>Trash compactor: $7.49\/month<\/li>\n<li>Ice maker (in-fridge): $3.99\/month<\/li>\n<li>Freestanding ice maker: $14.99\/month<\/li>\n<li>Wine cooler\/fridge: $11,99\/month<\/li>\n<li>Water dispenser water line: $4.99\/month<\/li>\n<li>Instant hot water dispenser: $9.99\/month<\/li>\n<li>Reverse osmosis water filter system: $14.99\/month<\/li>\n<li>Lighting fixtures: $7.99\/month<\/li>\n<li>Plumbing fixtures: $7.99\/month<\/li>\n<li>Electronics protection: $19.99\/month<\/li>\n<li>TV mounting (up to 65-inch TVs): $14.99\/month<\/li>\n<li>TV mounting (up to 85-inch TVs): $19.99\/month<\/li>\n<li>Pro-series refrigerator: $14.99\/month<\/li>\n<li>Pro-series standalone freezer: $14.99\/month<\/li>\n<li>Pro-series range\/oven\/cooktop: $12.99\/month<\/li>\n<li>Pro-series dishwasher: $7.99\/month<\/li>\n<li>Pro-series microwave: $4.99\/month<\/li>\n<li>Pro-series washing machine: $4.99\/month<\/li>\n<li>Pro-series clothes dryer: $4.99\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Like all providers, Liberty Home Guard has some exclusions. However, none of these stood out to me as unusual, and some Liberty covers with an add-on, such as lighting coverage with the lighting add-on option.\u00a0<\/p>\n<ul>\n<li>Preexisting conditions<\/li>\n<li>Flues, vents, chimneys, and exhaust lines<\/li>\n<li>Electronics, computerized, \u201csmart,\u201d or Internet\/enabled components and parts<\/li>\n<li>Filters associated with any covered items<\/li>\n<li>Remote receiving and transmitting devices<\/li>\n<li>Radon and other leak detection monitoring systems<\/li>\n<li>Fire sprinkler systems<\/li>\n<li>Lighting\u00a0<\/li>\n<li>Solar systems and applications<\/li>\n<li>Cosmetic defects<\/li>\n<li>Disposal of appliances, systems, or components<\/li>\n<li>Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems<\/li>\n<li>Glass parts<\/li>\n<li>Noise<\/li>\n<li>Malfunction due to storms or other acts of God<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8960402a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-5eaa64fe gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-24c42fed\">\n<p>Liberty has standard pricing within the industry, but its add-ons are less than affordable at $14.99 or more for most of them, which can quickly push your monthly premium to over $80 a month.\u00a0<\/p>\n<p>During my secret shopping, I received plan quotes ranging from $49.99 to $59.99 per month without factoring in the $200 discount offered, which are fair and competitive rates. If you pay annually, you receive two months free, another excellent way to save money with Liberty. Other financial benefits include Liberty\u2019s refer-a-friend program, which earns you an Amazon gift card, exclusive discounts on many name-brand appliances and systems, and additional discounts when purchasing a home warranty for another property. All of these benefits can quickly add up and are pretty unique offerings in this industry.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d30e334c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-b05aae64 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 7.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-f421c039\">\n<p>Of the many online quote calculators I\u2019ve used on home warranty provider websites, Liberty\u2019s is my favorite. Not only is it user friendly, but it has helpful comparison charts that break down exactly what Liberty does and doesn\u2019t cover under each plan and how much each add-on will cost you. Compared to providers like Elite Home Warranty, which has a tedious quote process with few helpful breakdowns or charts, I really appreciated the simplicity of this experience. A con of Liberty\u2019s customer experience is that its plans don\u2019t cover preexisting conditions \u2014 meaning you\u2019ll be left footing the bill if Liberty determines that your appliance had a preexisting problem before your home warranty became active.\u00a0<\/p>\n<p>New to home warranties? Check out this short video from Liberty that goes over the basics:<\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<noscript><\/p>\n<div class=\"jlvid_container\"><iframe title=\"Home Warranty Companies | Home Warranty Service Review | Best Home Warranty Companies\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/lFwWCfORMZk?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-09a9c322 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-3e0cffbc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 9.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-45a42b72\">\n<p>Liberty Home Guard customer reviews highlight the excellent claim fulfillment rate \u2014 a critical component of shopping around for a home warranty provider as you don\u2019t want to be left with a company that consistently denies your claims, defeating the entire purpose of a home warranty. On top of this, it had overall positive reviews, which pointed out great experiences with customer service agents, fast turnaround times after claim submission, and a simple claims process. These are all essential factors in your satisfaction as a customer because no one wants to be left waiting to hear back after their refrigerator breaks down or their AC unit stops working during a heat wave. In contrast, negative reviews cited a long wait period after submitting a claim and receiving help, with some customers even revealing they were charged additional fees beyond the regular service fee.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>NR*<\/em><\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.7<\/em><\/td>\n<td><em>2,452<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.5<\/em><\/td>\n<td><em>57<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<p><em>*Note (As of 2\/27\/24):\u00a0 the Better Business Bureau recently shifted LHG\u2019s A+ rating to \u201cNR.\u201d We reached out to a representative from the BBB, and they told us, \u201cThis business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.\u201d When asked about whether they revoke ratings after an increase in complaints, the rep said, \u201cYes, if they feel they need to review the complaints first before issuing an accurate rating.\u201d This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-e3caf4f4 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-c0fd1c6d gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-1da4ef6c\">\n<p>A unique aspect of Liberty\u2019s claim process is that you can choose your own service contractor. Liberty only asks that you contact it first for authorization so it can ensure high standards. However, it does recommend sticking with its LHG-certified professionals, as you\u2019ll automatically receive a solid 60-day workmanship guarantee. While I\u2019d probably stick with the LHG-certified professional to be safe, I thought this was an interesting benefit as most providers are strict about only using professional technicians chosen by the company.\u00a0<\/p>\n<p>Otherwise, LHG\u2019s claim procedure was efficient, with the option to call an agent or submit a claim online, making it a quick process.\u00a0<\/p>\n<p>A downside to its claim process is its liability limits, as indicated in a sample contract on its website. According to the sample contract, Liberty will only reimburse you up to the covered item\u2019s book value, which can be difficult to assess independently. In other words, you\u2019ll receive less than the initial cost of the appliance or system because of depreciation. While this isn\u2019t uncommon, you\u2019ll want to know it going into the claim process.\u00a0<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" alt=\"\" class=\"lazyload\" data-lazy-src=\"https:\/\/lh7-us.googleusercontent.com\/dpqhbnskYLIkCDuINjuFpSK0KAKuV3mXimSHvRAIk6nFmEuD7fw-1XsfJeJ6x9htk_QraDSrro45sVaKJUkz-_QzO4WHj1fayP89N3Nxw4wHEdg8bz4Idg1sU7sQGWj9poX1HztMhKSGUSzPLJe1Umc\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/dpqhbnskYLIkCDuINjuFpSK0KAKuV3mXimSHvRAIk6nFmEuD7fw-1XsfJeJ6x9htk_QraDSrro45sVaKJUkz-_QzO4WHj1fayP89N3Nxw4wHEdg8bz4Idg1sU7sQGWj9poX1HztMhKSGUSzPLJe1Umc\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-95fc2321 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-b496c87e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-36784289\">\n<p>Liberty has excellent availability with coverage options for homeowners in all 50 states, which is outstanding in this industry and demonstrates a reliable business model.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-0f870676 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/liberty-home-guard\/\">Read our full Liberty Home Guard review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-9e8ea5ad\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-0d67a5b1\">\n<div class=\"gb-grid-column gb-grid-column-b0e55190\">\n<div class=\"gb-container gb-container-b0e55190\">\n<p>Best Coverage Limits<\/p>\n<h3 class=\"gb-headline gb-headline-47104804 gb-headline-text\">American Home Shield<\/h3>\n<p class=\"gb-headline gb-headline-3980dabd gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-c334c0db gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-406a82bb border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>40% Off Our Most Popular Plan<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-680755e4 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-33285d81 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-d9d8211b gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-e145cb47 gb-tabs__items\">\n<div class=\"gb-container gb-container-40fcd9cb gb-tabs__item gb-tabs__item-open\">\n<p>American Home Shield (AHS) has outstanding coverage limits of up to $5,000 for home systems, such as your HVAC system, plumbing, and electrical systems. This is so critical for homeowners in Illinois whose systems may be particularly stressed out by sudden weather fluctuations or freezing winter temperatures. Not only that, but AHS offers free roof leak protection with its premium plan or as an affordable $10 per month add-on with its other plans. Roof leak coverage is rare in the industry, especially when it\u2019s free of charge like it is with American\u2019s ShieldPlatinum plan.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-5fca56db gb-tabs__item\">\n<p>American Home Shield\u2019s rating takes a hit regarding company reputation because of its large number of Better Business Bureau complaints. While it has a decent B rating from the BBB, it also has 6,468 complaints closed within the last year alone. Compared to other providers I\u2019ve looked into, this number is very high. For example, Select Home Warranty has around a third the number of complaints on its BBB profile. Lastly, American Home Shield is less affordable than most, especially if you opt for its most comprehensive plan. AHS quoted me a $99.99 per month rate for its ShieldPlatinum plan, which is substantially higher than Liberty\u2019s most comparable plan at $59.99 per month (though it\u2019s important to note that AHS offers<strong> <\/strong>more than twice the amount of coverage on home systems, so you are receiving greater value).<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-f8d05ba3 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-75d1fd5c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e675d8c3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0cd5db2a\">\n<p>American Home Shield shines for its much-higher-than-average coverage of up to $5,000 for home systems like your electrical or HVAC systems. I\u2019d personally skip its more basic plans, the ShieldGold and ShieldSilver plans, in favor of its ShieldPlatinum plan, which comes with built-in roof leak protection (a value of $10 a month on its own) plus coverage on both appliances and systems. While it\u2019s more expensive, AHS has many discounts, including a 20% same-day sign-up discount and a 40%-off sale when I was completing secret shopping for this article, which brought the ShieldGold plan down to a more affordable price of $42 per month.\u00a0<\/p>\n<p>American Home Shield has a high response rate to negative reviews, replying to 97% of negative reviews on Trustpilot, typically within 24 hours. This BBB-accredited provider has more expensive service fees of $100 and $125, which are quite costly compared to Select Home Warranty, which offers fees of $65 or $75. However, the coverage you receive is much higher with AHS, with up to $4,000 for appliances and $5,000 for home systems. Compared to most providers who offer $2,000 to $3,000 coverage caps, this is substantially higher and ideal for homes with high-end appliances or systems.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5dbad8e0 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-4178a732 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-78c6f3e9\">\n<p>American Home Shield provides some of the best coverage in the industry, with up to $5,000 in coverage on your HVAC system under some plans, which is critical for Illinois homeowners cranking up the heat during snowy winters. This is a huge benefit compared to Liberty Home Guard, which only offers up to $2,000 in HVAC coverage. AHS\u2019s three plan options give you plenty of variety, with its ShieldPlatinum plan even coming with free roof leak repairs and a free HVAC tune-up<strong> <\/strong>\u2014 both very uncommon offerings in the industry, especially without an added charge. I strongly recommend Illinois homeowners look into roof leak coverage because water damage can quickly destroy parts of your home and lead to costly repairs, especially when dealing with snow and a fair amount of rainfall yearly.\u00a0<\/p>\n<p>During my secret shopping, American offered its ShieldGold plan at a deep discount of $42 per month, a huge savings of $22 per month or $264 yearly. This sale makes the plan much more affordable, so I strongly recommend speaking with a customer service representative about additional discounts. The following estimates do not include this discount.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldSilver<\/em><\/td>\n<td><em>$49.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>Same-day sign-up discount, 40% off sale (website or phone)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldGold<\/em><\/td>\n<td><em>$69.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>Same-day sign-up discount, 40% off sale (website or phone)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldPlatinum<\/em><\/td>\n<td><em>$99.99<\/em><\/td>\n<td><em>$125<\/em><\/td>\n<td><em>Same-day sign-up discount, 40% off sale (website or phone)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, IL. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Compared to providers such as Elite Home Warranty and Liberty Home Guard, AHS has a minimal selection of available add-ons. Still, you can opt for roof leak repair (free with its ShieldPlatinum plan), which greatly benefits Illinois homeowners dealing with moderate amounts of precipitation and heavy snowfall.\u00a0<\/p>\n<ul>\n<li>Roof leak repair: $10\/month<\/li>\n<li>Electronics protection plan: $14\/month\u00a0<\/li>\n<li>Pool &amp; built-in-spa equipment: $18\/month<\/li>\n<li>Guest unit: $15.99\/month<\/li>\n<li>Septic pump: $5\/month<\/li>\n<li>Well pump: $8\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>American Home Shield has standard exclusions, with nothing standing out as a deal breaker or unusual exclusion from my hours of research on home warranties.\u00a0<\/p>\n<ul>\n<li>Construction or carpentry costs<\/li>\n<li>Restoration of walls<\/li>\n<li>Flues, chimneys, venting, and exhaust lines<\/li>\n<li>Repairs or replacements due to cosmetic defects<\/li>\n<li>Repairs due to mold<\/li>\n<li>Appliances not covered under ShieldSilver plan<\/li>\n<li>Natural disasters<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it\u2019s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ef3112ab gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-22ea78df gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9ba47ba0\">\n<p>American Home Shield provides excellent coverage up to $5,000 \u2014 about double the typical coverage you\u2019ll receive from a nationwide provider. However, its plans come at a higher cost, with the quotes I received for a two-bedroom home in Illinois ranging between $49.99 to $99.99 without any add-ons. On top of this, the provider has more expensive service fees of $125 (or $100 if you choose a higher monthly premium).\u00a0<\/p>\n<p>For reference, most companies offer at least one service fee under $100. For example, Select Home Warranty has $65 and $75 service fees. Less expensive service fees are especially critical if you need multiple yearly repairs. However, the adage \u201cyou get what you pay for\u201d is true with American Home Shield\u2019s top-notch coverage, which is double what most providers offer and much more sufficient to cover the cost of replacing an entire appliance, so weigh your options. You\u2019ll pay a little more if you choose an American Home Shield plan, but the coverage may be worth it if you want peace of mind or have high-end appliances.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-78737044 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-30a06fce gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-a1fe1104\">\n<p>My experience with American Home Shield was positive, with an easy quote process and user-friendly website with plenty of FAQs and readily available policy information. The company comes across as transparent to me. I like that it offers a 30-day workmanship guarantee, which protects you should an appliance or system fail within 30 days of the initial problem being addressed by an AHS technician. If you reach out to them within this time frame, you don\u2019t have to pay another service fee, which is something that many providers don\u2019t promise. Another highlight of my experience with AHS was the online quote calculator, which did not require a phone number. Almost all providers require a phone number to get a quote, which has previously resulted in me receiving countless calls from providers like First American Home Warranty, which don\u2019t know how to take a hint.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-4a99afdc gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-27f42385 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 7.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-bfc6df63\">\n<p>Unfortunately, American Home Shield falls a bit flat when it comes to company reputation. It has a rating below 2.5 stars with both Trustpilot and Yelp, which is below average in the industry and certainly not reassuring. However, its B Better Business Bureau rating gives me more peace of mind, especially after reading positive reviews sharing how professional AHS\u2019s technicians are, the fast claim turnaround time, and prompt, reliable service. On the other hand, negative reviews shared that customers felt like they were wasting their money, had issues canceling their policies, and had long wait times for appliance replacements.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B<\/em><\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>2.2<\/em><\/td>\n<td><em>5,230<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.1<\/em><\/td>\n<td><em>1,266<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-fbf42599 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-17c6f98e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-294863a2\">\n<p>You can start your claim process with AHS by submitting a service ticket online or calling its 24\/7 customer service line. I like that you have several choices for how to start the claim process. Following this, you can track your home repair history and follow up about claims with the provider\u2019s online portal, making this a simple, user-friendly process.\u00a0 Where American Home Shield loses a point is its average 48-hour response time. While this isn\u2019t exceptionally slow, providers like Liberty Home Guard offer faster response times of under 12 hours on average, which is important when waiting for a well-used appliance like your dishwasher or stove to be fixed.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-59c50086 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-89505ba3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ec80bafa\">\n<p>American Home Shield is available in 49 states, including the beautiful Prairie State (Alaska is excepted). This comprehensive coverage demonstrates a sustainable business model, particularly when considering that AHS has been in business for over 50 years.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-3a706d11 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/american-home-shield\/\">Read our full American Home Shield review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-7fa54571\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-12769c97\">\n<div class=\"gb-grid-column gb-grid-column-684ffa0e\">\n<div class=\"gb-container gb-container-684ffa0e\">\n<p>Best Claims Acceptance<\/p>\n<h3 class=\"gb-headline gb-headline-fdb201a8 gb-headline-text\">Choice Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-d9279fb5 gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-1a2b7e41 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-80127500 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$50 Off + 1 month free!<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5c079386 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-00878a0a gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-aa8abbe7 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-57e24bdc gb-tabs__items\">\n<div class=\"gb-container gb-container-f85b1b17 gb-tabs__item gb-tabs__item-open\">\n<p>Choice Home Warranty (CHW) has a fantastic claim acceptance rate, which customers repeatedly praise in reviews, and emergency services \u2014 something vital to have available when your HVAC system breaks down and you\u2019re left without heat or air conditioning. On top of this, it has two largely affordable plans, with both quoted at under $55 per month (its Basic Plan is $13 less a month than the average Illinois premium). This saves you close to $157 a year and gives you extra room in your budget to select from Choice\u2019s add-ons to protect your sprinkler system, sump pump, spa, and much more.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-4a613e10 gb-tabs__item\">\n<p>Currently, Choice Home Warranty has an ongoing, unresolved consumer fraud lawsuit with the<a href=\"https:\/\/www.azag.gov\/press-release\/attorney-general-mark-brnovich-sues-home-warranty-company-misleading-arizona\"> Arizona Attorney General<\/a>, which isn\u2019t reassuring. While this lawsuit is still pending and Choice has paid some claims, I don\u2019t find this comforting.\u00a0<\/p>\n<p>Choice Home Warranty offers roof leak protection but only up to $500 for access, diagnosis, repair, and roof replacement (something many Illinois homeowners need more often due to the heavy snowfall). While some roof leak protection is better than none, $500 isn\u2019t sufficient for most repairs, which typically cost between <a href=\"https:\/\/todayshomeowner.com\/roofing\/cost\/roof-repair-cost\/\">$120 and $3,000<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-fd1e0948 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-2b81c66d gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-bffb53c1 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0c1b0fd3\">\n<p>If you\u2019re worried about your provider denying claims, Choice Home Warranty is a solid choice, with many customers praising its fast turnaround time and high claim acceptance rate. While the lawsuit with the Arizona Attorney General isn\u2019t reassuring, Choice has solid customer reviews overall and a B rating from the Better Business Bureau, which gives me greater confidence in the company.\u00a0<\/p>\n<p>I love that Choice is a more affordable provider, with its plans usually costing between $45 and $55 \u2014 a much better rate than many providers with plans that cost $60, $80, or even $100 per month, such as American Home Shield. CHW\u2019s add-ons are another benefit with more cost-effective options that are mostly under $14.99 per month \u2014 many home warranty providers charge $15, $20, or even more for many add-ons, so this is a significant monthly saving.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-74f1972a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-cd008886 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-b7a5e534\">\n<p>Choice Home Warranty offers two plans, but I would skip its Basic Plan, which doesn\u2019t include critical appliances like your dryer, washer, refrigerator, or air conditioner \u2014 which I\u2019d definitely want running during warm Illinois summers. Fortunately, its Total Plan covers these appliances and other items like plumbing stoppages, cooktop exhaust fans, garage door openers, and garbage disposals, making it a better, more comprehensive choice for many homeowners. You even receive coverage for a whirlpool bathtub, built-in microwave, water heater, and ductwork, so I\u2019d opt for the Total Plan over its Basic Plan.\u00a0<\/p>\n<p>The following figures exclude the annual payment and one-month free discount.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Basic Plan<\/em><\/td>\n<td><em>$46.67<\/em><\/td>\n<td><em>$85<\/em><\/td>\n<td>Annual payment, $50 plus one month free (website)<\/td>\n<\/tr>\n<tr>\n<td><em>Total Plan<\/em><\/td>\n<td><em>$54.75<\/em><\/td>\n<td><em>$85<\/em><\/td>\n<td>Annual payment, $50 plus one month free (website)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, IL. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>While CHW\u2019s list of add-ons is not as extensive as those of providers like Liberty Home Guard, it\u2019s a solid selection and includes limited roof leak protection:\u00a0<\/p>\n<ul>\n<li>Central vacuum: $3.33\/month<\/li>\n<li>Limited roof leak: $5.83\/month<\/li>\n<li>Pool: $15\/month<\/li>\n<li>Second Refrigerator: $3.33\/month<\/li>\n<li>Septic System: $10\/month<\/li>\n<li>Septic Tank Pumping: $5.42\/month<\/li>\n<li>Spa: $15\/month<\/li>\n<li>Additional Spa: $15\/month<\/li>\n<li>Sprinkler system: $8.33\/month<\/li>\n<li>Standalone freezer: $3.33\/month<\/li>\n<li>Sump pump: $3.33\/month<\/li>\n<li>Well pump: $8.33\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Choice Home Warranty has standard exclusions, with nothing standing out as unusual or concerning to me:\u00a0<\/p>\n<ul>\n<li>Audio or visual equipment<\/li>\n<li>Internet connection components<\/li>\n<li>Upgrades or modifications to original systems or appliances<\/li>\n<li>Pool accessories<\/li>\n<li>Fireplaces<\/li>\n<li>Doorbell<\/li>\n<li>Central vacuum ductwork, accessories, hoses, and blockages<\/li>\n<li>Portable or above-ground spas and pools<\/li>\n<li>Act of God incidents<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it\u2019s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-0076f407 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-33a43a08 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-39427a2c\">\n<p>Choice Home Warranty scores well in this category, with both its plans costing less than $55 per month for a two-bedroom home in Springfield, Illinois (about $32 less per month than the national average and a few dollars less than Illinois\u2019s average). However, its coverage isn\u2019t as extensive as that of more expensive home warranty providers like American Home Shield or Elite Home Warranty, so consider this when choosing a <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/cheapest-home-warranty\/\">budget-friendly home warranty policy<\/a>. In addition, Choice has affordable add-ons, which are almost all less than $14.99 monthly. When you compare this to other providers like Liberty Home Guard, which has add-ons that are mostly $15 to $20 or more, this can save you a lot of money, even when you\u2019re opting for added coverage.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7b9474f9 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-6b2f1d9e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-8bb26d34\">\n<p>My experience with Choice Home Warranty was smooth, particularly with the fast online quote calculator. I\u2019m particularly impressed with Choice\u2019s extensive nationwide network of over 15,000 vetted contractors. All the contractors are prescreened and local, saving you time researching each one yourself or dealing with a rude technician. The biggest downside to the customer experience is there\u2019s no easy way to compare Choice\u2019s plans so you can quickly weigh your options.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-bfd6a497 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e2a30012 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-1b698630\">\n<p>Choice Home Warranty has mixed reviews, with a robust 3.7-star rating from Trustpilot and a decent B rating from the Better Business Bureau. While this isn\u2019t outstanding, it\u2019s certainly better than providers like American Home Shield, which primarily have 1- to 2-star ratings online. Positive reviews praised Choice\u2019s affordable service fees, high-quality repairs, and easy claims process. In contrast, negative reviews shared that policy cancellation was complex, which is concerning to hear. Additionally, Choice has an ongoing consumer fraud lawsuit with the <a href=\"https:\/\/www.azag.gov\/press-release\/ag-brnovich-files-consumer-fraud-lawsuit-against-home-warranty-company\">Arizona Attorney General\u2019s Office<\/a>. While Choice has paid out some claims to customers, the case remains unresolved.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td>B<\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td>3.7<\/td>\n<td>38,318<\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td>1.0<\/td>\n<td>250<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-45be9805 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-4902cc8e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 8.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-fa475491\">\n<p>I like that CHW has 24\/7\/365 availability and excellent emergency services, which gives it an edge over providers that don\u2019t offer emergency coverage or providers such as Elite Home Warranty that charge an extra fee. I don\u2019t want to be left without a heater during a freezing cold day, so this is really important. When filing a claim, you can submit your request through the online portal or over the phone. Customers report a response time between 24 and 48 hours \u2014 which is a bit better than average, so you won\u2019t be left waiting too long after your refrigerator breaks down. Overall, Choice stacks up very well in this category with its excellent availability, multiple communication options, and customer reviews praising its easy, stress-free claims process.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-6b33db7c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-ed636504 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-321b590d\">\n<p>Other than California and Washington, Choice Home Warranty offers coverage to all states, so Illinois homeowners are covered. This provider has handled over three million customer claims and more than 6,600,000 service requests, giving me a lot of faith in its process.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-af7e847c gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/choice-home-warranty\/\">Read our Choice Home Warranty review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ba9ccfa\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-2403195b\">\n<div class=\"gb-grid-column gb-grid-column-82127dd9\">\n<div class=\"gb-container gb-container-82127dd9\">\n<p>Best Value<\/p>\n<h3 class=\"gb-headline gb-headline-00b25a51 gb-headline-text\">Select Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-c7f050fb gb-headline-text\">4.2<\/p>\n<p class=\"gb-headline gb-headline-a0788e0d gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-dc315818 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$150 Off (Code HOUSE25)<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7d518d3a gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-1a588591 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-868a02fe gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-5e6f7a85 gb-tabs__items\">\n<div class=\"gb-container gb-container-f0e3a69e gb-tabs__item gb-tabs__item-open\">\n<p>If you\u2019re on a budget, Select Home Warranty offers simple, straightforward coverage at a cost-friendly price, especially when you factor in its consistent discounts such as the $150 plus two months free discount which I\u2019ve seen on its website for several months now. These discounts bring your monthly premium down to around $45 per month, lower than the industry average, and are paired with much cheaper service fee options of $65 or $75. Most providers have much higher service fees than this. For example, American Home Shield charges at least $100 for a service visit, which could cost you several hundred dollars yearly if you file multiple claims. In comparison, Select costs only $130 to $150 for two visits.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-3031a35c gb-tabs__item\">\n<p>One of the biggest drawbacks of Select\u2019s coverage is that it doesn\u2019t cover unknown preexisting conditions. While this is somewhat standard in the industry, top providers like American Home Shield and Liberty Home Guard offer plans or add-ons that protect you if you are unaware of an existing issue with one of your appliances before signing up for a home warranty policy. Another strange finding during my intensive research was customers who reported being charged multiple service fees during a single home visit if the technician was evaluating multiple appliances or systems. To me, this stood out as unusual for the industry, and I felt like these customers were being nickeled and dimed.\u00a0<\/p>\n<p>Select has a few strange exclusions written into its sample contract, including covering the dishwasher but excluding the rack and rollers, which, in my experience, are standard components of most modern dishwashers. Another example is that Select covers the oven, range, and stovetops but excludes the range hood. While every provider has its exclusions (which is why it\u2019s so important to read your contract carefully), I found some of these to be pretty odd exclusions.\u00a0<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" alt=\"\" class=\"lazyload\" data-lazy-src=\"https:\/\/lh7-us.googleusercontent.com\/g_RuzUFLQc0MEyNVrwjVdMoFrSteY1NDBwfh4AfoHfOuQ7aaUr6l7Q92I5kvh80guOJkH_WW_qtFUylyHolLSdVv_4mntyD4zNuGGhRmjb_EPD8ih8F_OR8NDZppKsxzsUE09eWO4kPb7mSejwnqOMU\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/g_RuzUFLQc0MEyNVrwjVdMoFrSteY1NDBwfh4AfoHfOuQ7aaUr6l7Q92I5kvh80guOJkH_WW_qtFUylyHolLSdVv_4mntyD4zNuGGhRmjb_EPD8ih8F_OR8NDZppKsxzsUE09eWO4kPb7mSejwnqOMU\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-bccb9526 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-2a463211 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-982125dc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-fc5bc53a\">\n<p>Select Home Warranty is an affordable provider that packs a lot of value into a lower price. With its more cost-effective service fees of $65 or $75 (depending on the monthly premium you pay), you can save a lot on filed claims throughout the year while still receiving the industry standard coverage of up to $3,000 for HVAC systems with its Gold Care and Platinum Care plans. This coverage isn\u2019t enough to replace an HVAC system completely, but it will cover you for most major repairs. Select also has strong customer reviews with a solid B rating from the Better Business Bureau and many great discounts, including a seemingly constant discount of $150 and two months free offered on its website, plus a multi-year coverage discount.\u00a0<\/p>\n<p>On the other hand, I don\u2019t love some of Select\u2019s exclusions. It doesn\u2019t cover unknown preexisting conditions, which means it would deny your claim if it turns out that your broken-down dishwasher had a defect before your home warranty policy was active. When looking at Select\u2019s sample contract, I found some interesting exclusions, such as dishwasher racks or rollers not being covered even when you have coverage for your dishwasher. I strongly recommend reading the fine print of Select (or any home warranty provider)\u2019s contract while considering them.\u00a0<\/p>\n<p>Overall, this provider is ideal for those wanting HVAC coverage at an affordable price and free roof leak protection \u2014 a massive plus for Illinois homeowners dealing with heavy snowfall or rain.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-aa543c6a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-d750dfe5 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-4db15aea\">\n<p>If you\u2019re looking for simple coverage at an affordable price, Select Home Warranty is a good choice. It offers three plans, though I strongly recommend its Platinum Care plan, which covers appliances and systems for only three dollars more when I received quotes.\u00a0<\/p>\n<p>The following monthly costs are without additional discounts. With the two-month free discount, the monthly cost dropped to around $45 to $49 for the following plans, making it an even bigger steal. While I wish Select had higher coverage caps, these are great options for those seeking HVAC coverage at a more budget-friendly price point.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Bronze Care<\/em><\/td>\n<td><em>$60.42<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>$150 off (website), two extra months free (website)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Gold Care<\/em><\/td>\n<td><em>$60.42<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>$150 off (website), two extra months free (website)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Platinum Care<\/em><\/td>\n<td><em>$63.75<\/em><\/td>\n<td><em>$75<\/em><\/td>\n<td><em>$150 off (website), two extra months free (website)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, IL. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Along with free roof leak coverage, Select Home Warranty offers some of the most affordable add-ons in the industry:\u00a0<\/p>\n<ul>\n<li>Central vacuum: $3.33\/mo<\/li>\n<li>Lawn sprinkler system: $5.83\/mo<\/li>\n<li>Pool: $8.33\/mo<\/li>\n<li>Roof leak: $0\/mo<\/li>\n<li>Septic system: $5.83\/mo<\/li>\n<li>Spa: $5.83\/mo<\/li>\n<li>Standalone freezer: $3.33\/mo<\/li>\n<li>Sump pump: $3.33\/mo<\/li>\n<li>Well pump: $3.33\/mo<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Select\u2019s Platinum Care plan offers extensive coverage for both appliances and home systems, which I recommend looking into. However, all of Select\u2019s plans have the following exclusions, which I found to be standard within the industry:\u00a0<\/p>\n<ul>\n<li>Secondary damage (i.e., your home warranty may cover roof damage but won\u2019t cover water damage caused by the leak)<\/li>\n<li>Incorrect installation or malfunctions due to construction damage or improper wiring<\/li>\n<li>Issues with systems or appliances related to hazardous or toxic materials (e.g., mold, asbestos, and gas leaks)\u00a0<\/li>\n<li>Common areas in condominiums or family homes<\/li>\n<li>Solar heating systems<\/li>\n<li>Damage caused by natural disasters and rust<\/li>\n<li>Defects or damages caused by the foundation and structure of the home<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it\u2019s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ac05390d gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-6a1ef566 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 9.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-52bce54e\">\n<p>Select Home Warranty packs a punch with fair pricing and a lot of value, especially with its Platinum Care plan. A huge benefit of Select\u2019s plans is the free roof leak coverage \u2014 this coverage is something that many home warranty providers don\u2019t offer at all or charge an extra fee for. For example, American Home Shield charges $10 per month for limited roof leak coverage unless you select its most expensive plan. Select \u2018s inclusion of roof leak coverage in all its plans is a valuable perk that saves you money on your premium and if your roof leaks after heavy Illinois snowfall. In addition, Select\u2019s monthly premiums are competitive for Illinois at around $60 per month. Personally, I\u2019d go with its Platinum Care plan, which is only a few dollars more per month than the other plans and covers both appliances and systems.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-72dc9b65 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-7e753ee4 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3106d4b8\">\n<p>Some customer reviews mentioned experiences with a pushy agent while trying to ask questions about the policy before committing. While this isn\u2019t an uncommon experience, it\u2019s not ideal, especially if, like me, you don\u2019t like pushing back against a more aggressive sales rep. On a positive note, I had an excellent experience with Select\u2019s online quote calculator and website. Both were user-friendly and had clear, easy-to-understand breakdowns of what was and wasn\u2019t covered, prices, and much more. I found the company\u2019s pricing particularly transparent as I didn\u2019t have to hunt it down, as was the case with providers like Choice Home Warranty.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-add4cbc8 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-add30fc3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.0\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ce02ec60\">\n<p>Customer reviews praise Select for its professional, responsive agents who quickly helped them file claims and schedule appointments with a technician. Unfortunately, negative reviews share that Select sent unprofessional technicians and had poor claim approval rates, leaving them having to fix the appliance or system out of their own pockets \u2014 the opposite of what we want to see from a home warranty provider promising to cover you. As with all reviews, I recommend taking both positive and negative reviews with a grain of salt, as we don\u2019t know the entire story. For example, we don\u2019t know if a customer complaining about their claim denial actually had coverage for that type of appliance.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B<\/em><\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3.8<\/em><\/td>\n<td><em>4,731<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.0<\/em><\/td>\n<td><em>2<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-221dc5ee gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-0f5ea509 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 7.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-aef9d827\">\n<p>Like most providers, you can submit a claim over the phone or online through Select\u2019s portal. After this, a Select agent will contact you to schedule an appointment with a technician to examine the system or appliance needing repair. Our team found that Select has an average response time of 48 hours for non-emergency claims, which is typical in the industry.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-6ecea68e gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-1f272123 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-a132b31c\">\n<p>With availability in all 50 states and the District of Columbia, Select Home Warranty proWith availability in all 50 states and the District of Columbia, Select Home Warranty provides its customers with top-notch availability. Throughout the country, Select Home Warranty has overall positive customer reviews, which gives me more confidence in its ability to provide appropriate customer care nationwide.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-a8855787 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/select-home-warranty\/\">Read our full Select Home Warranty review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ac2d001\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-12769c97\">\n<div class=\"gb-grid-column gb-grid-column-684ffa0e\">\n<div class=\"gb-container gb-container-684ffa0e\">\n<p>Best Customer Ratings<\/p>\n<h3 class=\"gb-headline gb-headline-fdb201a8 gb-headline-text\">Elite Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-d9279fb5 gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-1a2b7e41 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-80127500 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$150 Off + 1 Month Free<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-553a17e0 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-2db3478f gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-3084f7c8 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-7c56575d gb-tabs__items\">\n<div class=\"gb-container gb-container-0713fd08 gb-tabs__item gb-tabs__item-open\">\n<p>Elite Home Warranty has the best customer satisfaction on the market, with an A+ rating and accreditation from the Better Business Bureau and nearly five-star ratings from other third-party review websites. These ratings are much higher than those of most providers. For example, American Home Shield consistently receives 1 to 2-star ratings from the same review websites, which isn\u2019t exactly reassuring when considering how a company treats its customers.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-f1aca5f0 gb-tabs__item\">\n<p>Elite doesn\u2019t offer emergency services without additional fees \u2014 with other providers, emergency services come at no extra charge. I definitely don\u2019t want to be left with a leaky dishwasher in the middle of the night, so this influences how I feel about this provider. Another letdown is that none of Elite\u2019s plans cover commercial-grade appliances, which may be a deal breaker for you, depending on your home.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-b1635862 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-f1a175fc gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-12c25c6f gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0e8842fb\">\n<p>You can\u2019t beat Elite Home Warranty\u2019s high customer satisfaction ratings, which are consistently an A+ or close to five stars across the board \u2014 or its high coverage limits. A coverage limit is critical when choosing a home warranty provider because it determines the maximum amount a provider will pay to repair or replace a single appliance or home system. A coverage cap of $2,000 to $3,000 is standard, but Elite\u2019s most basic plans start with at least $5,000 to $7,000 of coverage for appliances and home systems (about double the standard). If you have luxury appliances, you\u2019ll be relieved to hear that you can opt for Elite\u2019s premium systems or appliances add-on, which brings that coverage to<strong> <\/strong>a massive $6,000 for appliances and $10,000 for home systems<strong>.<\/strong> These high coverage caps are sufficient for replacing most appliances and home systems, so you won\u2019t need to worry about being left footing part of the bill.\u00a0<\/p>\n<p>Unfortunately, Elite Home Warranty doesn\u2019t provide emergency services for your appliances without an additional fee. So, if your air conditioning breaks down on a hot weekend day, you\u2019ll be left without service until normal business hours unless you pay an extra fee. While I don\u2019t love this, Elite\u2019s exceptional customer service ratings, rave reviews, and high coverage limits are huge pluses that make me strongly consider this provider for my own home.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7d9386f8 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-dfb3b61e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-74518814\">\n<p>Elite\u2019s website provides several great discounts, including a $150 sign-up bonus, a first month free, and a 30-day free trial, which you can receive by filling out the online form and then speaking with an agent over the phone or email. These offers allow you to save some money and give you time to consider all aspects of the plan before fully committing. The biggest benefit of Elite\u2019s plans is its high coverage limits of up to $6,000 for appliances and up to $10,000 for home systems like your HVAC. This is anywhere from three to five times what most home warranty companies offer, making this an outstanding deal if you have luxury or high-end appliances that\u2019ll cost more to replace or repair.\u00a0<\/p>\n<p>The following prices don\u2019t reflect the available discounts.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Appliance<\/em><\/td>\n<td><em>$44.99<\/em><\/td>\n<td><em>$100<\/em><\/td>\n<td><em>$150 sign-up, first month free, 30-day free trial (phone or email)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Systems<\/em><\/td>\n<td><em>$52.99<\/em><\/td>\n<td><em>$100<\/em><\/td>\n<td><em>$150 sign-up, first month free, 30-day free trial (phone or email)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Complete<\/em><\/td>\n<td><em>$59.99<\/em><\/td>\n<td><em>$100<\/em><\/td>\n<td><em>$150 sign-up, first month free, 30-day free trial (phone or email)<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Springfield, IL. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Next to Liberty Home Guard, Elite Home Warranty offers some of the best and most extensive add-ons, especially as you can add extra coverage for premium appliances and systems.\u00a0<\/p>\n<p>This benefit isn\u2019t common throughout the industry. I like it because it means you won\u2019t be left footing part of the bill when you hit a coverage cap since you\u2019ll have ample coverage for your luxury appliances.\u00a0<\/p>\n<ul>\n<li>Attic exhaust fan: $69.99\/year<\/li>\n<li>Central vacuum: $49.00\/year<\/li>\n<li>Effluent pump: $99.99\/year<\/li>\n<li>Ejector pump: $99.99\/year<\/li>\n<li>Freestanding freezer: $59.99\/year<\/li>\n<li>Freestanding ice maker: $59.99\/year<\/li>\n<li>Freestanding spa equipment: $119.99\/year<\/li>\n<li>Generator: $99.99\/year<\/li>\n<li>Geothermal heating and cooling system: $299.99\/year<\/li>\n<li>Grinder pump: $99.99\/year<\/li>\n<li>Guest house: $299.99\/year<\/li>\n<li>HVAC annual maintenance: $299.99\/year<\/li>\n<li>Jetted\/hot tub: $99.99\/year<\/li>\n<li>Lawn sprinkler system: $99.99\/year<\/li>\n<li>Lift pump: $99.99\/year<\/li>\n<li>Limited roof leak repair: $99.99\/year<\/li>\n<li>Pool &amp; spa equipment: $199.99\/year<\/li>\n<li>Pool equipment: $149.99\/year<\/li>\n<li>Premium appliances: $249.99\/year<\/li>\n<li>Premium benefits: $199.99\/year<\/li>\n<li>Premium systems: $299.99\/year<\/li>\n<li>Premium systems Plus: $499.99\/year<\/li>\n<li>Septic system: $129.99\/year<\/li>\n<li>Service lines: $349.99\/year<\/li>\n<li>Sump pump: $99.99\/year<\/li>\n<li>Swamp cooler: $149.99\/year<\/li>\n<li>Water filtration System: $99.99\/year<\/li>\n<li>Water softener: $99.99\/year<\/li>\n<li>Well pump: $99.99\/year<\/li>\n<li>Wine cooler: $69.99\/year<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Other than commercial-grade appliances, Elite Home Warrnaty\u2019s exclusions are standard:\u00a0<\/p>\n<ul>\n<li>Natural disaster-related damages<\/li>\n<li>Acts of God<\/li>\n<li>Commercial-grade appliances\u00a0<\/li>\n<li>Units in a rental property<\/li>\n<li>Cosmetic damage<\/li>\n<li>A lack of maintenance<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, it\u2019s imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-dba9b377 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-fbb0cf26 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ea2257a6\">\n<p>Compared to other providers, Elite has standard pricing with cost-effective add-on options that typically come in at between $15 and $20 per month (compare this to Liberty Home Guard, with many add-ons that cost $20, $25, or more per month, and it\u2019s definitely a deal, especially with Elite\u2019s better overall coverage caps). You\u2019re also receiving a lot of value with Elite\u2019s plans, which offer up to $6,000 for appliances and up to $10,000 for systems. Most providers only offer coverage up to $2,000 to $3,000. While this extensive coverage is part of Elite\u2019s premium systems plus add-on, you still receive up to $5,000 to $7,000, depending on your plan, even without opting for the add-on. Either way, the coverage is much more extensive and likely to cover an entire HVAC or air conditioning system failure compared to a lower $2,000 cap.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d2c24bd4 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-2836b661 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 7.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-521ad2bb\">\n<p>Elite Home Warranty doesn\u2019t have a pushy sales process, which I greatly appreciate as someone who doesn\u2019t like receiving scores of aggressive sales calls. Many customer reviews echoed my experience and shared that they didn\u2019t feel pressured by the sales agent to buy a warranty but felt the process was instead educational. However, I did have to wait several days to hear back when I responded to an agent with a question, which wasn\u2019t ideal.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-659497ec gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e451ec09 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-725842e6\">\n<p>Elite Home Warranty has an outstanding A+ rating and accreditation from the Better Business Bureau. On top of this, it has a 4.97-out-of-5-star customer rating from the BBB, which is unheard of for this industry and gives me more trust in Elite\u2019s customer service and process. Other review sites, including Trustpilot and Yelp, give it nearly five-star reviews, which is much better than other home warranty companies, especially American Home Shield. Positive reviews highlight quick customer service responses, how fast Elite addresses replacements or repairs, and how honest customer service was with them about their options. Negative reviews were so far and few between that I can\u2019t summarize them effectively.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>A+<\/em><\/td>\n<td><em>Customer Reviews are not used in the calculation of BBB Rating<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.7<\/em><\/td>\n<td><em>56<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>4.8<\/em><\/td>\n<td><em>4<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5a4a43ba gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9e3472b4 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 6.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3f1dc91a\">\n<p>Elite doesn\u2019t stack up well with its claims process because it lacks emergency services unless you pay an extra fee. In other words, if your heater gives out on a Sunday during a chilly Illinois winter, you won\u2019t get help until Elite\u2019s business hours open up or you pay an additional fee. While I\u2019m glad the provider still has some form of emergency services, this is a real drawback. On the positive side, Elite offers 24\/7\/365 communication for filing claims through its online portal and over the phone, so you can file or ask questions at any hour of the day.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d9945faa gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-bf4a9cb0 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-baa70636\">\n<p>Elite Home Warranty provides coverage in the District of Columbia and 47 states \u2014 excluding California, Texas, and Washington. Overall, we gave Elite a perfect score in this category for its extensive availability and nearly nationwide coverage.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Calculate the Cost of Illinois Home Warranty<\/h2>\n<p>Enter your expected service fee, monthly premium, and number of repair visits per year to receive an estimate of how much your Illinois home warranty will cost you each year.<\/p>\n<div class=\"hw-calc\">\n<div class=\"hw-calculator-tho\">\n<div class=\"container\">\n<table>\n<tr>\n<th>Appliance<\/th>\n<th>Average Repair Cost<\/th>\n<th>Average Replacement Cost<\/th>\n<\/tr>\n<tr>\n<td>Dehumidifier<\/td>\n<td>$50\u2013$200<\/td>\n<td>$1,300\u2013$2,800<\/td>\n<\/tr>\n<tr>\n<td>Microwave<\/td>\n<td>$50\u2013$400<\/td>\n<td>$60\u2013$2,000<\/td>\n<\/tr>\n<tr>\n<td>Dishwasher<\/td>\n<td>$50\u2013$500<\/td>\n<td>$400\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Exhaust Fans<\/td>\n<td>$16\u2013$300<\/td>\n<td>$250\u2013$950<\/td>\n<\/tr>\n<tr>\n<td>Electric Range<\/td>\n<td>$100\u2013$500<\/td>\n<td>$230\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Gas Range<\/td>\n<td>$100\u2013$500<\/td>\n<td>$230\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Dryer<\/td>\n<td>$100\u2013$400<\/td>\n<td>$450\u2013$2,300<\/td>\n<\/tr>\n<tr>\n<td>Oven<\/td>\n<td>$100\u2013$430<\/td>\n<td>$400\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Washer<\/td>\n<td>$50\u2013$450<\/td>\n<td>$400\u2013$2,300<\/td>\n<\/tr>\n<tr>\n<td>Freezer<\/td>\n<td>$90\u2013$500<\/td>\n<td>$160\u2013$2,900<\/td>\n<\/tr>\n<tr>\n<td>Refrigerator<\/td>\n<td>$40\u2013$350<\/td>\n<td>$200\u2013$5,000<\/td>\n<\/tr>\n<\/table><\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Illinois Home Warranty Regulations<\/h2>\n<p>In Illinois, the state and industry organizations regulate home warranty companies. <a href=\"https:\/\/idoi.illinois.gov\/\">The Illinois Department of Insurance<\/a> is the primary regulator of home warranties and releases regular bulletins and consumer alerts about unlawful behavior. For example, the Illinois Department of Insurance called out <a href=\"https:\/\/idoi.illinois.gov\/content\/dam\/soi\/en\/web\/insurance\/sites\/insurance\/news\/documents\/consumeralert.pdf\">Arkidus Home Protect<\/a> for unlawful marketing tactics or its home warranty services over the Internet. The department sent a cease and desist as part of its steps to halt unlawful or unauthorized behavior from companies like this one, and discovered that the owner didn\u2019t have the right certificate of authority to license and sell home warranties. To stay abreast of these concerns, The Illinois Department of Insurance is a great resource that helps you stay on top of companies breaking regulations.\u00a0<\/p>\n<p>Another part of regulations is industry associations like the <a href=\"https:\/\/go-scic.com\/\">Service Contract Industry Council<\/a>, a national trade association that helps lawmakers nationwide develop fair and consistent standards to protect consumers.\u00a0<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-illinois-home-warranty-news\">Illinois Home Warranty News<\/h2>\n<p><a href=\"https:\/\/abc7chicago.com\/scam-alert-home-warranty-mortage-palos-park-police-department\/13757847\/\">ABC 7 Chicago News<\/a> recently reported an ongoing scam where Illinois homeowners receive mail claiming that their home warranty is about to expire and that they need to pay money or provide personal information to avoid it expiring. Some letters are sent from the \u201cHome Warranty Division,\u201d but various names are out there.\u00a0<\/p>\n<p>The Palos Park, IL, Police Department advises homeowners to look for the company\u2019s name or address and huge block letters on the envelope stating \u201copen immediately.\u201d This scare tactic tries to push homeowners into acting quickly without thinking about what company is even reaching out to them. If you receive one of these letters, the police recommend throwing it away. Don\u2019t call the phone number on the envelope. If you have concerns about your policy expiring, contact your home warranty provider for this information \u2014 don\u2019t rely on these sketchy letters.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_33fc64b497204d30637291d7310dd1b5 1\" class=\"hm-faq hm-faq--two-column\">\n<h2 class=\"hm-faq__title \" data-toc-text=\"Frequently Asked Questions\">Frequently Asked Questions<\/h2>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        Do You Need a Home Warranty in Illinois?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">You\u2019re not obligated to have a home warranty in Illinois, but it can protect you financially from large, out-of-pocket repair and replacement costs. Illinois is known for its weather fluctuations, which puts additional pressure and stress on many appliances like your HVAC system, so if you would struggle with the cost of replacing an entire HVAC system, you may want to consider a home warranty for added peace of mind. <\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        How Much Does a Home Warranty Cost in Illinois?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">The average cost of a home warranty in Illinois is around $59 per month, or $708 per year.\u00a0 However, factors like add-ons, the provider, type of plan, coverage, and much more will factor into overall costs, so read our article on home warranty costs for a more comprehensive look at the <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">average cost of a home warranty.<\/span><\/a><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        How To Save Money When Shopping for Home Warranties In Illinois?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">The best way to save money when shopping for home warranties in Illinois is to call and speak directly with a customer service representative. Not only can you negotiate a better price for your policy and learn about exclusive discounts, but many customer reviews point out special discounts they were only offered over the phone (which echoes my own secret shopping experience). <\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        Is a Home Warranty Worth It for Illinois Homeowners?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">A home warranty is worth it for Illinois homeowners because many can\u2019t afford to suddenly spend between $350 and $8,000 (the average cost to replace an appliance). Unless you have all new appliances with current manufacturer\u2019s warranties or a sizable home savings account for these emergencies, <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/are-home-warranties-worth-it\/\"><span style=\"font-weight: 400;\">a home warranty is worth it<\/span><\/a><span style=\"font-weight: 400;\"> for most homeowners.\u00a0 <\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n                    <\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h4 class=\"wp-block-heading\" id=\"h-other-resources-for-illinois-homeowners\">Other Resources for Illinois Homeowners<\/h4>\n<h4 class=\"wp-block-heading\" id=\"h-best-home-warranties-by-state\">Best Home Warranties by State<\/h4>\n<figure class=\"wp-block-th-3s-custom-blocks-table-container thcb-table thcb-table_58hZ7jNxtQub\"\/><\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>The Prairie State is famous for its beautiful farmland, wetlands, forests, rolling hills, and Chicago\u2019s impressive skyscrapers. With its temperamental weather of heavy snow, moderate rainfall, and warm summers, Illinois homeowners face a lot of stress when their appliances break down on a hot or frigid day. After all, no one wants to be left [&hellip;]<\/p>\n","protected":false},"author":254,"featured_media":10035,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[124],"tags":[],"class_list":["post-10034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-improvement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 5 Best Home Warranty Companies in Illinois | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"Looking for a home warranty? 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