Home Warranty Companies in Illinois
2026 State Guide
Our data lists 14 of the 15 companies we track as serving Illinois. AFC Home Club ranks first among them at 8.2 out of 10. Illinois has warmed about 1.5 degrees F since 1900, mostly in winter and spring, with spring up about 2 degrees F and summers little changed.
Companies Available
14
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Illinois Department of Insurance
Home-specific rules
Illinois State Snapshot
Housing units
5,504,295
Owner-occupied rate
67.1% (US 65.2%)
Median home value
$263,300
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
14 of 15 tracked
Regulatory body
Illinois Department of Insurance
67.1% of Illinois homes are owner-occupied, above the 65.2% national rate, and the median owner-occupied home is worth $263,300, 21% lower than the national median of $332,700.
Source: Census Bureau QuickFacts for Illinois. Census Bureau QuickFacts: housing units are the July 1, 2025 estimate; owner-occupied rate and median value are 2020-2024 American Community Survey 5-year estimates.
In Illinois's largest city, Chicago, 46% of homes are owner-occupied and the median owner-occupied home is worth $334,100.
Source: Census Bureau QuickFacts for Chicago, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release).
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Climate and Coverage Context
Illinois's climate puts both heating and cooling under strain, in our reading
Illinois has warmed about 1.5 degrees F since 1900, mostly in winter and spring, with spring up about 2 degrees F and summers little changed. Spring and summer rainfall has mostly run above average since the mid-1990s, and 2015 to 2020 had a record number of 2-inch rain events. Winter and spring precipitation is projected to keep increasing, and more intense extreme rainfall could worsen floods.
Both systems get real use here, so look for a plan that covers heating and cooling and compare its cap with your own replacement quote.
Source: NOAA NCEI State Climate Summary for Illinois (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Illinois estimate. 14 of 15 tracked companies serve Illinois in our data; "Likely" and "Check" rows are not verified for Illinois.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | IL |
|---|---|---|---|---|---|---|
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Yes |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Yes |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Yes |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Yes |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Yes |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Yes |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Illinois
Highest overall score among companies that serve Illinois, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Illinois
Our data lists Old Republic Home Protection as not serving Illinois. It serves about 25 states per our research.
How Illinois Regulates Home Warranties
Regulator
Illinois Department of Insurance
Legal framework
Service Contract Act (215 ILCS 152)
Illinois regulates home warranty contracts under the Service Contract Act (215 ILCS 152), which the Department of Insurance enforces. The Act covers contracts to repair, replace or maintain home systems. Providers that comply are exempt from the Insurance Code, but a contract can be sold only if financial requirements are met, such as coverage under a reimbursement insurance policy, and providers must register before selling. In 2014 the Department warned consumers about a company selling home warranty contracts in violation of those requirements.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Illinois Department of Insurance: consumer warning on Certified Warranties Corporation (2014, PDF)
- 215 ILCS 152, Illinois Service Contract Act (Justia, older version)
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Illinois Homeowners
Check the company's registration or license
Our sources show rules in Illinois that name home warranties, home service contracts or residential contracts. Ask the Illinois Department of Insurance whether the company you are considering is registered or licensed before you pay.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Know the cancellation rule
Under the Service Contract Act (215 ILCS 152/35) the provider may keep a cancellation fee of the lesser of 10 percent of the price or $50. Cancelling within 30 days with no service provided gets a full refund less the fee, and after that a pro rata refund less the value of service received and the fee. That is the version effective January 1, 2018, so confirm the current text. Details
Know the renewal rule
As amended by Public Act 103-0919, the Automatic Contract Renewal Act requires the seller to present the renewal terms clearly and conspicuously, get consent before charging and provide an acknowledgment of the terms. Details
Know the enforcement record
In 2014 the Illinois Department of Insurance warned consumers about Certified Warranties Corporation for selling home warranty contracts in violation of the Service Contract Act's requirements. Details
Confirm coverage for your address
Our data lists every company that is not known to be excluded as serving Illinois, but availability can differ by address. Confirm at quote.
Filing a Complaint in Illinois
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Illinois's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Illinois Attorney General: file a consumer complaint
The Consumer Protection Division says online submission is preferred. It cannot act as your personal lawyer, and it sends your complaint to the business unless you tell it not to.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Illinois
Which home warranty companies serve Illinois?
What is the best home warranty company in Illinois?
Which home warranty plan has the highest HVAC coverage in Illinois?
How much does a home warranty cost in Illinois?
How does Illinois's climate affect which plan to buy?
Where do I file a home warranty complaint in Illinois?
How are home warranties regulated in Illinois?
Neighboring States
Compare All Illinois-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Illinois, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.