Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Thinking about getting a home warranty? One of our top home warranty providers can help. As much as you may love homeownership in Naperville, there is always that concern about whether your systems and appliances are going to hold up during the next few years.
When one of your systems or appliances stops working, a home warranty will step in and help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less stressed by homeownership. Because the home warranty market has a variety of providers — all with different price points — our team at Today's Homeowner did the research for you to help you find the right home warranty in Naperville.
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 offers the best overall home warranty in Naperville. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. The home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage. When you purchase a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered appliance or system.
For more information, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
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
In Naperville, Select Home Warranty is the most cost-effective home warranty. Select has over 11 years of industry experience and in that time has built a impressive network of service professionals in the country. The 3 policies that Select offers include differing levels of system and appliance coverage, as well as add-on options. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a combination of appliance and system coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $60.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. To read more, visit our Select Home Warranty full review.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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
In Naperville, American Home Shield offers the most customizable home warranty. AHS has been operating for over 26 years, making it a well-regarded company in the industry. The 3 plans from AHS are easily comprehensible and have a mix of both system and appliance coverage. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $75 to $125.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our full review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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 Naperville residents. HSC has around 15 years of experience in the home warranty industry and in that time has built a impressive network of service professionals in the country. The 2 home warranty plans that HSC offers include options for appliance and system coverage. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you'll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC's plans are close to the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
For more information, read our review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Naperville. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easy to comprehend and offer a mix of both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
To read more, visit our full review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
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
In Naperville, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
There are 3 home warranty plans from Cinch Home Services: 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 caps come out to around $1,000-$2,000 for each covered system or appliance.
To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read our detailed review of Cinch Home Services to learn more.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,799 |
| Heating | $4,532 |
| Electrical | $680 |
| Toilets | $567 |
| Washer/Dryer | $906 |
| Plumbing | $680 |
| Oven | $1,813 |
| Fridge | $680 |
A home warranty is a service contract that brings down the cost of repairs when one of your home systems or appliances breaks down. A home warranty can help homeowners who need to keep a budget in place and don't have the savings to pay for large repair or replacement expenses. Typically, about 30 days after paying for a home warranty, the coverage will start on your home systems and appliances.
For Naperville homeowners, it is very simple to file a claim when a problem arises with a covered appliance or system. Most home warranty providers have an online portal where you can file a claim.
Once you submit the claim, it will be assigned to a local technician that will come to your home and look at the issue. At this point, you pay the service fee. Service fees generally range in price from about $60 to $150 and this is the only out-of-pocket fee you will need to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty in Naperville provides coverage for the main systems and appliances in a home. Common appliances covered under a home warranty plan include a microwave, dryer, washer, garbage disposal, refrigerator, dishwasher, and more. The systems that are usually covered will be plumbing, electrical systems, air conditioning, and heating.
Add-on coverage will vary from one plan to another, but you can expect to see add-ons such as pools, sump pumps, central vacuums, spas, roof leaks, and electronics.
A home warranty will only cover repairs and replacements due to normal wear and tear. If your appliances have cosmetic issues or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, intentional breakages, and natural disasters are not covered with a home warranty.
Home warranty policies are a great way to guard your home systems and appliances from normal wear and tear. With temperatures in Naperville reaching an average high of 58℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can considerably bring down out-of-pocket expenses should your HVAC system break down.
Additionally, having a Naperville home warranty can help make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you've been getting.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a repair technician who takes care of the repair for you, some homeowners may not like this, and they would rather choose a contractor themselves. If that's important to you, some home warranty plans let you choose a contractor.
Also, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
Finding the right provider for your home warranty is the first step toward protecting your property. When figuring out which home warranty company is the best fit for you, here are some important factors to keep in mind:
The best overall home warranty in Naperville is Choice Home Warranty, but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty plan covers the normal wear of home systems and appliances. Homeowners insurance protects the entire home in a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim should you need a new washing machine or air conditioner, unless the damage is a result of a natural disaster, which are somewhat common in Naperville.
Home warranty plans generally provide coverage for a year. Many providers let you renew your plan yearly, which can be useful in Naperville for more protection against something like your heater or A.C. breaking down when you require it the most.
A service fee is an expense that must be paid before a service technician or contractor comes to your home to repair your home warranty-related problem. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners are subject to with a home warranty except for the policy's premium unless the cost of the repair is more than the coverage cap.
A home warranty plan can cost on average about $300 to $800 a year in Naperville. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's typically less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, going with the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
Home warranties typically will not cover issues due to lack of proper maintenance, pre-existing conditions, natural disasters, or intentional breaking of an appliance. The policy only covers damage from normal wear and tear. Even though it doesn't cover all kinds of damage, a home warranty can still be useful to help you save some money in a city like Naperville.
