Expert Advice On Improving Your Home

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6 Best Home Warranty Companies in Alton, IL

Last Updated: February 25, 2025

Homeownership in Alton comes with quite a few positives, but it also comes with its challenges. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty policy can help protect you by cutting the costs of major repairs and replacements on your home’s most important systems and appliances.

Finding the best protection for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Alton. Read on for our home warranty recommendations.

Advertisement This site receives compensation from some of the companies featured in this listing, which may impact where and how products appear. When you click "Get Quote," you will be connected with partners who may contact you with information related to your inquiry. This listing doesn't feature all companies, products, or offers that may be available.
Top Pick
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes
Best For First Time Homeowners
4.2/5
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages

The 6 Best Home Warranty Companies in Alton

Liberty Home Guard

Very highly rated among customer service reviews

Covers repairs with a 60-day workmanship guarantee

Extensive list of 20+ add-on coverages

Easy claims process

Won’t cover known or unknown pre-existing conditions

Liberty Home Guard is the most trustworthy home warranty for Alton residents. The 3 plans that Liberty offers include options for appliance and system coverage. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.

The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage limits come out to around $3,000 for each covered appliance or system.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our comprehensive review of Liberty Home Guard to learn more.

Appliance Guard

Systems Guard

Total Home Guard

Service fee: $75.00Monthly cost: $69.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00Monthly cost: $74.99
Items covered: Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00Monthly cost: $79.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer , Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser

Choice Home Warranty

Over 10 years of experience

24/7 customer service team

Home inspections aren’t required

90-day repair guarantee

Plans aren’t customizable

Customers can’t choose their own contractor

Not available in washington

Choice Home Warranty is the best overall home warranty for Alton residents. The 2 plans that Choice offers include options for appliance and system coverage. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.

The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage limits come out to around $3,000 for each covered appliance or system.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our comprehensive review of Choice Home Warranty to learn more.

Basic Plan

Total Plan

Service fee: $85.00Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select Home Warranty

Low service fees compared to other home warranty providers

Two months of free coverage

Has an appliance-only, systems-only, and combo plan option

90-day repair guarantee

Has a $75 cancellation fee

Low coverage caps

Select Home Warranty is the most cost-effective home warranty for Alton residents. The 3 plans that Select offers include options for appliance and system coverage. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.

The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage limits come out to around $2,000 for each covered appliance or system.

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our comprehensive review of Select Home Warranty to learn more.

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

Service fee: $60.00Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

The oldest and most trusted company in the industry

Allows customers to build their own plans

Ability to choose the service fee you want to pay

Broad coverage on up to 33 appliances and systems

Doesn’t let customers choose their own technician

Doesn’t provide coverage in alaska

American Home Shield is the most customizable home warranty for Alton residents. The 3 plans that AHS offers include options for appliance and system coverage. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.

The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered appliance or system.

To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. Read our comprehensive review of American Home Shield to learn more.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

Cinch Home Services

Offers home insurance deductible of $500

Extra long 180-day workmanship guarantee

Offers free cancellation in the first 30 days

Charges high service fees of $75-$150

Doesn’t allow customers to choose their own technician

Isn’t available in hawaii or alaska

Cinch Home Services is the home warranty with the best workmanship guarantee for Alton residents. The 3 plans that Cinch offers include options for appliance and system coverage. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.

The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered appliance or system.

To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our comprehensive review of Cinch Home Services to learn more.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

Policy starts in ten days

24/7 customer service support

Generous coverage caps on important systems and appliances

30-labor guarantee and 90-day parts guarantee

Offers utility and home service outside line coverage

Higher service fee of $95

Not accredited by the better business bureau (bbb)

Only 2 plan options

The Home Service Club is the best home warranty with the quickest service for Alton residents. The 2 plans that HSC offers include options for appliance and system coverage. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.

The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered appliance or system.

To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read our comprehensive review of The Home Service Club to learn more.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Alton

Home ApplianceRepair Cost
Air Conditioner$5,863
Heating$3,908
Electrical$586
Toilets$489
Washer/Dryer$782
Plumbing$586
Oven$1,563
Fridge$586

How Does a Home Warranty Work?

A home warranty is a protection plan that assists Alton homeowners in reducing the expenses of appliance and system repairs. The plans offer financial coverage to swap out or repair appliances and systems that stop working due to normal wear and tear. When something breaks down, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for buyers of older houses or houses with systems near the end of their life span. However, homeowners with newer homes and modern appliances may not need a home warranty.

What Does a Home Warranty Cover?

Home warranties cover your home systems and appliances. Common appliances covered include washers, dryers, refrigerators, dishwashers, garbage disposals, microwaves, and more. Included systems are normally air conditioning, electrical, heating, and plumbing. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Most home warranty plans require Alton homeowners to wait 30 days before the plan will cover repairs. Moreover, policies normally only cover repairs and replacements due to normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.

Key Home Warranty Terms to Know

Here are some essential home warranty words to learn before signing a contract:

  • Deductible: The amount you pay toward a covered repair before the warranty covers the rest. Some plans have per-claim or yearly deductibles.
  • Contract rate: A pre-negotiated rate that your home warranty provider has worked out with contractors. This rate is typically less than what you would pay retail.
  • Service fee: The out-of-pocket cost per claim that you pay for contractor access and repair coverage.
  • Coverage limits: How much money your warranty provider will pay for specific repairs or replacements. Check limits on repairs for things like air conditioning units, appliances, and roof leaks.
  • Endorsements: Additional coverage for systems like pools, well pumps, and septic, which usually comes with a fee for each add-on.
  • Claim approval: The process a provider uses to validate that a requested repair or replacement is covered under your plan.
  • Trade call fee: An additional fee that some companies charge for appliance-related claims.
Keeping these terms and key factors in mind will help you understand a home warranty contract and select a plan that's tailored to protect your home. Be sure to discuss specifics of coverage with potential providers during the quote process, so you can avoid unexpected fees.

Key Factors in Choosing a Home Warranty Company

There are several important considerations when choosing a home warranty provider:

Coverage Options

Home warranties vary widely in terms of included coverage. Basic policies typically provide protection for AC, heating, plumbing, electrical, and appliances, while more comprehensive plans may also cover spas, roof leaks, well pumps, and pools. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize protection for your needs.

Service Fees

Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with more affordable per-claim fees to maximize savings. Some providers also offer disappearing deductibles after periods where a customer files no claims.

Reputation

A home warranty provider's reputation can give you insight into things such as repair timeliness, approval rates, contractor quality, and customer satisfaction. Check review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research companies. Good ratings and feedback indicate a company known for great service.

Contractor Network

Home warranty companies keep networks of local contractors to handle repairs in your area. Reach out to potential providers to learn how many repair contractors they have in Alton and get an idea for how fast your repairs might happen in an emergency situation. Larger networks raise the probability of getting qualified contractors to quickly service your home.

Added Benefits

Some home warranty plans include extras such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These can add value beyond repair coverage. Extra bonuses can maximize the usefulness of your home warranty.

Is a Home Warranty Worth it in Alton?


Benefits of a Home Warranty

Since temperatures in Alton can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Having a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.

A home warranty also saves you time and energy. Instead of spending hours finding and selecting a technician to fix your appliance or system, home warranty providers do the hard work for you and send a trusted professional to your door whenever you need them. Another benefit of having a home warranty is if you want to sell your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and help your house sell faster.

Downsides of a Home Warranty

There are also some negatives to purchasing a home warranty policy, like the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.

Another possible pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.

Advertisement This site receives compensation from some of the companies featured in this listing, which may impact where and how products appear. When you click "Get Quote," you will be connected with partners who may contact you with information related to your inquiry. This listing doesn't feature all companies, products, or offers that may be available.
Top Pick
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes
Best For First Time Homeowners
4.2/5
  • The oldest and most trusted company in the industry
  • Allows customers to build their own plans
  • Ability to choose the service fee you want to pay
Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages

Frequently Asked Questions About Home Warranty in Alton, IL

A home warranty in Alton can cost anywhere from $30 to $60 a month. The higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also reduce your up-front costs when you opt for a higher service fee.

Home warranties and home insurance differ in what kinds of damage they cover. Home warranty policies cover issues related to systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects the entire home from natural disasters, which can sometimes be a concern in Alton. It doesn't cover a typical appliance or system damage.

A home warranty plan can help investors, home sellers, homebuyers, homeowners, and real estate agents. It can provide peace of mind to anyone involved with homeownership.

A home warranty policy can cover your systems, appliances, or both. Combination plans are great if you'd like more coverage for your home, but a system- or appliance-only plan can be a good idea if you're concerned about one more than the other.

Generally, a home warranty policy offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month plans.

In general, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees. In Alton, where the median value of a home is $86,309, having the seller pay for the home warranty can save you some money on your new home.

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