Illinois offers a diverse landscape of residential opportunities for residents. Head into Chicago and you’ll find a bustling metropolitan area with high-rise apartments where every square foot of space goes for a premium. With over 2.7 million residents, this city is the place to go if you enjoy the city life. Beyond Chicago, however, you’ll find Illinois takes on a very different face. This quiet mid-western state is a leading producer of corn and soybeans, with farmland covering around 75 percent of the state’s total land area.

After Chicago, the next-biggest city is Joliet, with less than 150,000 residents. Rockford and Naperville are close behind with around 147,000 residents. Peoria, the fifth-largest city in the state has a population just under 115,000. Illinois is also home to an abundance of small towns with populations well under 1,000 residents. Whether you’re in a cozy apartment nestled in the heart of Chicago, or out on a sprawling farm enjoying the state’s gently rolling plains, your home is a valuable haven that’s worth protecting from the distinct challenges you might face in this state.

Protect Your Illinois Home and Appliances

Illinois’s mid-western location keeps it far from the coasts, but this doesn’t make it immune to severe weather threats. The state faces many hazardous conditions that can wreak havoc on your home and appliances. Severe thunderstorms are common in Illinois, particularly in the spring and summer. These can produce damaging winds, heavy rains, hail, and lightning, all of which can be costly to you.

When Illinois thunderstorms escalate to the level of a tornado, more extensive damage is possible. There are an average of 31 tornadoes every year in Illinois, most of which produce winds between 60 and 112 miles per hour. Even homes that aren’t in the direct path of the cyclone can sustain damage. A storm may knock power lines loose or throw debris at your exterior HVAC units. Some damage is evident right away, but other types are more subtle and simply accumulate as excessive wear and tear on a system.

Fortunately, a home warranty covers regular wear. Unlike your home insurance policy, which will only offer coverage in limited circumstances, a home warranty will help you pay for repairs and replacements as the result of regular wear and tear. If the elements take a toll on your appliances or home systems over the course of several years of strong winds and heavy rains, you’re still covered when it’s time to address an issue or purchase a new unit.

Why is a Home Warranty Necessary in Illinois?

A home warranty is a valuable investment that can protect you from a broad range of potential hazards in your Illinois home. A standard home warranty covers essential comfort systems like your heating and duct work. This is particularly valuable in Illinois, where over half of home energy is used for space heating, compared to just 41 percent of energy on average in the United States.

Illinois residents use another 31 percent of their energy for appliances, electronics, and lighting. Electrical systems, ceiling fans, and kitchen appliances like your oven, range, stove, and dishwasher are included in a standard home warranty as well. If you upgrade to a Total Plan from Choice Home Warranty, you’ll get additional coverage that includes your clothes washer and dryer, refrigerator, and air conditioning system.

Upgrading further with special customized add-ons can give you even more protection for your Illinois home. You can add optional coverage for a septic system and septic tank pumping, which is a particularly valuable investment for Illinois homeowners. Many rural families in Illinois rely on septic systems for waste disposal. Between 1996 and 2011, the Illinois Department of Health reported that over 72,000 homes installed private surface discharging systems for more efficient waste disposal, but this represents just 42 percent of all private sewage systems in the state. Septic systems of all types require maintenance and can experience issues from time to time.

Customized coverage is also available for well pumps, sump pumps, pools, spas, and additional appliances. Coverage for roof leaks is available as an optional add-on as well, which is another smart choice in this storm-prone environment. A home warranty is an efficient option that can help Illinois homeowners both rural and metropolitan to protect their home systems and appliances.

What Does an Illinois Warranty Cover?

Covered Items* Total Plan Basic Plan
Air Conditioning System
Heating System
Electrical System
Plumbing System
Plumbing Stoppage
Water Heater
Whirlpool Bathtub
Oven / Range / Stove
Built-In Microwave
Garbage Disposal
Clothes Washer
Clothes Dryer
Garage Door Opener
Ceiling and Exhaust Fans


Optional Coverage


Pool / Spa Well Pump Sump Pump
Central Vacuum Limited Roof Leak Septic System
Second Refrigerator Stand Alone Freezer Septic Tank Pumping


* Click Here to view complete limits of liability and any exclusions. CHW offers service contracts which are not warranties. ** See policy for specifics on response times. ***CHW reserves the right to offer cash back in lieu of repair or replacement in the amount of CHW’s actual cost (which at times may be less than retail) to repair or replace any covered system, component or appliance.

How to Choose an Illinois Home Warranty

You have many options available to you when you’re choosing a home warranty in Illinois. It’s important to consider these carefully to make sure that you have the most effective plan in place for your family’s unique needs. If you live in a condo or other smaller unit in Chicago, you’ll likely want to focus your coverage on any major appliances that you own, such as your stove, dishwasher, and refrigerator. City residents won’t need to worry about extras like septic systems or well pumps.

Rural homeowners should take stock of the entire property. Perhaps you have a second refrigerator or stand-alone freezer in the garage. You can cover your pool, sump pump, and other home installations with the optional add-on’s available from Choice Home Warranty.

As you assess your home, consider:

  • The appliances you own
  • The age and condition of your home systems such as electrical and plumbing
  • The state of your home comfort systems, like heating and air conditioning

Think carefully about what you would do if one of your appliances or systems were no longer functional. Would you have the necessary funds for a repair or replacement? If it’s a system you couldn’t comfortably live without and one that you don’t want to budget to replace from your own funds, you should plan to roll it into your home warranty coverage.

A home warranty is a smart investment for homeowners in Illinois. This will give you proper protection from unforeseen circumstances, so you must pay only a minimal fee for service calls when something goes wrong. Reach out to your home warranty provider and all the rest is taken care of. Your provider will connect you with a reliable repair professional, cover the cost of the repair, and even provide you with a replacement if it’s determined that your current installation has reached the end of its life. Consider which home warranty plan will best suit your needs and sign up soon.

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