Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated June 2023
Are you thinking about getting a home warranty? Check out one of our recommended home warranty companies. Owning a home can have a lot of benefits but it can also come with some negatives like maintenance. Even if your home has new system's and appliances, a home warranty could offer you some peace of mind.
A home warranty is a way to protect your savings account from unexpected large expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind. Even though a home warranty can help with your expenses as a homeowner, one issue is narrowing down the right choice for your Oak Park home. That's why we've done the research and have compiled a guide of the top home warranty options in Oak Park.
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
In Oak Park, Choice Home Warranty is the best overall home warranty. The home warranty company offers 2 plans to policyholders, which have various options for appliance and system coverage. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also 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. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. Read our Choice Home Warranty Review to learn more.
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 Oak Park, Select Home Warranty is the most cost-effective home warranty. The 3 plans from Select are comprehensive and have a mix of both system and appliance coverage. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider 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 mix of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000.
For a more detailed breakdown, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
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 Oak Park, American Home Shield offers the most customizable home warranty. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to comprehend and offer both system and appliance coverage.
American Home Shield has 3 plans that offer a combination of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically about $2,500.
Read more by visiting our American Home Shield full review. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
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 offers the best home warranty with the quickest service for Oak Park residents. HSC is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. 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 2 plans from HSC are easy to comprehend and offer a mix of both system and appliance coverage.
There are 2 home warranty plans from The Home Service Club: 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.
Read our comprehensive review of The Home Service Club to learn more. To receive a free quote from The Home Service Club, fill out this online form or call 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 offers the most trustworthy home warranty in Oak Park. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for homeowners to choose from.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Oak Park area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information, read our thorough review of Liberty Home Guard.
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 Oak Park, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in business for more than 44 years, making it a respected company in the industry. Cinch has 3 simple plans, making the selection process quick and easy. 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 about $1,000-$2,000 for each covered appliance or system.
To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our review of Cinch Home Services.
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 | $6,418 |
| Heating | $4,279 |
| Electrical | $642 |
| Toilets | $535 |
| Washer/Dryer | $856 |
| Plumbing | $642 |
| Oven | $1,712 |
| Fridge | $642 |
A home warranty is a coverage plan that helps homeowners get a handle on the high costs of appliance and systems repairs. Home warranties will cover a select number of home systems and appliances that need repairs or replacements due to normal wear and tear. Having a home warranty in place can make budgeting and managing your finances easier. A home warranty plan usually has a 30-day waiting period from the time you purchase to when you can file your first claim.
Filing a claim with your home warranty company is quite easy. There will be an online portal or a direct phone number to request service for a repair or replacement.
At this point, you will pay the service fee. Service fees for home warranties range from $60 to $150. Most home warranty plans also have a coverage limit, which is the maximum cost per appliance that the home warranty plan will cover for repairs and replacements.
A home warranty will cover your home's systems and appliances from normal wear and tear. Appliances covered under a home warranty plan are the microwave, dishwasher, refrigerator, garbage disposal, dryer, and more. Systems that are covered include heating, air conditioning, plumbing, and electrical systems.
Add-on coverage will vary from plan to plan, but you can expect to see add-ons such as sump pumps, central vacuums, spas, roof leaks, electronics, and pools.
A home warranty will only cover normal wear and tear on your home systems and appliances. Things like pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are excluded from the home warranty policy.
Temperatures in Oak Park can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Oak Park, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Plus, though it varies by company, some providers will let you transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and maybe even make your home sell faster.
One drawback of purchasing a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may be excluded from the home warranty, so it's important to read through any contracts you're considering thoroughly to understand what is included and what isn't.
Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They often won't cover systems or appliances that need repairs or replacements due to improper maintenance, natural disasters, animal infestations, etc.
After researching home warranties in Oak Park, your next step is to determine which company you'd like to get a free quote from. Here is a list of factors that you'll want to keep in mind when picking a home warranty provider:
Our pick for the best overall home warranty provider in Oak Park is Choice Home Warranty, but the right company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty plan can help homeowners, real estate agents, home sellers, investors, and homebuyers. It can provide peace of mind to anyone involved with homeownership.
The most common home warranties in Oak Park are plans with coverage for either appliances or systems and a comprehensive plan. A comprehensive plan covers many of your systems and appliances, including your washing machine, drier, and plumbing. An appliance or systems only plan will cover the systems or appliances listed in the plan.
The kind of home warranty you need depends on what's a priority to you. A less expensive plan may have higher service fees and deductibles, while a costlier plan may provide more coverage and have lower service fees. If you have a home that has appliances and systems on the older end, you may want to consider a policy with more coverage. The company's reputation and available plans are the main two things to consider when selecting a home warranty company.
Owning a home can be pricey, especially in a place in Oak Park where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners unexpectedly having to pay a large amount of money to fix it. With a home warranty policy, you won't have any costly hits to your savings account.
Most home warranties will cover replacement costs in addition to repair costs. How much the coverage cap is varies from one plan to the next. Your home warranty will give you some money towards a replacement but the entire replacement may not be paid for.
Home warranties typically don't cover problems that happen because of natural disasters, pre-existing conditions, lack of proper maintenance, or intentional breaking of an appliance. The policy only covers damage due to normal wear and tear. Even though it doesn't cover everything, a home warranty can still be beneficial for helping you save some money in a city like Oak Park.
