Best Home Warranty Companies in Iowa (2022)

By Deanna Kane

The population of Iowa does not increase at a fast pace; however, it is continuing to grow over time. Being a homeowner in the Hawkeye State is an excellent option for those who enjoy beautiful open lots, four distinct seasons, and great communities. However, as great as Iowa is, homeownership always comes with its fair share of difficulties.

In our guide featuring the best home warranty companies in Iowa, we will give you information on:

  • How to choose the best home warranty 
  • Why do Iowa homeowners need a home warranty 
  • What the best companies in Iowa are for home warranties

A home warranty policy is a protection plan that will keep you from spending large sums of money on appliance and system repairs and replacements. With a home warranty company in place, homeownership becomes less stressful and more affordable. Finding the best home warranty companies on the market can be difficult. There are so many great options to choose from that you will have to spend a lot of time breaking things down and comparing. If you are frustrated with this process, keep reading. 

Iowa Top 5 Home Warranty Companies

Iowa homeowners have close to fifty different home warranty policies that they can choose from. To narrow down this list, we compared things like the BBB rating, overall plan choices, pricing, service fees, workmanship, customer service, and more. Here is how the top five plans in Iowa ranked. 

  1. Choice Home Warranty: Best Overall 
  2. American Home Shield: Best Customizable Plans 
  3. Select Home Warranty: Most Cost-Effective Plans 
  4. Liberty Home Guard: Most Trustworthy
  5. First American Home Warranty: Best for Appliances
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $40/month

Total Plan: $48/month

$85 13 B-
American Home Shield AHS Best Customizable Plans Typical Plan: $50/month

Combo Plan: $60/month

$75-$125 50 B
Select Home Warranty SHW Most Cost-Effective Plans Bronze: 36/month

Gold: $36/month

Platinum: $38/month

$75 9 B
Liberty Home Guard LHG Most Trustworthy Typical Plan: $40-$50/month

Total Home Guard Plan: $60/month

$60 2 A
First American Home Warranty  First American Best Appliance Coverage Basic Plan: $28/month

Premier Plan: $43/month

Service Fee: $75-$100

$85 37 B+

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty in the state of Iowa. Choice Home Warranty has been on the market for 13 years, and their coverage has only continued to improve through the years. The Choice Home Warranty likes to keep its contracts simple. In addition, the customer service from Choice Home Warranty is quite impressive and has earned them a BBB rating of a B. The moderately priced plans are a great choice for those that are new to the world of home warranties.

Unlike many other companies on the market, Choice Home Warranty only offers two plans to choose from. The two plans are both combo or comprehensive plans. This means that the plans cover a variety of systems and appliances. Having a combo plan only helps increase the peace of mind that you have as a homeowner. In addition, Choice Home Warranty offers several add-on options to make the plan more comprehensive. 

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

The service fee for Choice Home Warranty is $85. This is considered to be about average for home warranty policies in Iowa. As we go through our list, you will see these service fees ranging from $60 to $150. 

Another great thing about the Choice Home Warranty plan is that they won’t turn you down for coverage if your home is older. If you have lived in your Iowa home for thirty years or thirty days, you will be eligible for the Choice Home Warranty plan.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is the most customizable plan in Iowa. Since we all know that no two Iowa homes are exactly the same, having a home warranty that can change based on the needs of your specific home is a great benefit. The American Home Shield plan has been on the market for more than 50 years. This is quite impressive and has made the AHS policy one of the most premium and respected in the market. Although some of the pricing associated with this plan may be a few dollars higher, the customer service, workmanship, and overall quality will be worth the price you pay. 

The American Home Shield home warranty comes with three unique plans. However, each of these plans is entirely customizable to work for your home. In addition to being able to customize the coverage, you can also customize the service fee. If you think a lower service fee is a good choice for you, the monthly payment will be higher. The opposite will take place if you want the higher service fee. American Home Shield is also known for its impressive add-on or optional coverage. If you have a pool or a spa, you will enjoy the coverage that AHS offers. 

Some of the add on coverage that you can get with the American Home Shield warranty includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

The service fees for the American Home Shield policy will range in price from $75 to $125. The only problem with the $75 fee is that it will raise the price of your overall plan. 

The American Home Shield home warranty is one of the industry’s longest-standing and more impressive home warranties. If you want to deal with a reputable company that cares about handling customers and needs, the American Home Shield home warranty is your best choice.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

Select Home Warranty is the most cost-effective home warranty plan for Iowa homeowners. Although you don’t want to choose your home warranty based on the cost alone, it makes sense to get a fair value plan. With close to ten years in the industry, Select Home Warranty offers customers high-quality workmanship, great pricing, and unique coverage options. With any of the Select Home Warranty policies, you will also get free roof leak coverage. This is a great added benefit to consider. 

Select Home Warranty has three plan options to choose from. The systems plan, appliance plan, and combo plan are all going to cover a variety of unique needs for your Iowa home. However, the combo plan is just a few dollars more than the systems and appliance plan, and you get almost double the coverage. This is the most popular of the SElect Home warranty plans. There are various add-on coverage options for Iowa homeowners to choose to increase the overall peace of mind they have about their homes. 

The add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

The Select Home Warranty service fee is just $60. This is considerably lower than other options on the market and only helps to make it an incredible value for homeowners. 

It is smart to pay attention to the overall costs of the home warranty that you choose. The concept of a home warranty is to help you save money long term. In order to do that, you must choose an affordable plan. The Select Home Warranty does a great job of combining affordability with quality.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is the most trustworthy home warranty in the state of Iowa. After just two years in the home warranty industry, Liberty Home Guard was able to earn a BBB rating of an A. This is almost unheard of in the home warranty industry and certainly says something about the customer service. If you want a company that pays attention to you as a customer and responds to your request, Liberty Home Guard is a great choice. The coverage options for Liberty Home Guard are quite extensive, and each of the plans covers a wide range of systems and appliances. 

There are three Liberty Home Guard plans. Similar to Select Home Warranty with a systems plan, appliance plan, and combo plan, LIberty Home Guard, gives lots of options to choose from. In addition, the list of add-on coverages is one of the most extensive in the industry. If you want to get specific with your home warranty coverage, Liberty Home Guard lets you add things like a lawn sprinkler, water softener, saltwater pool, and more. 

The add on coverage from Liberty Home Guard is quite extensive and includes things like:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

The Liberty Home Guard serve fee is just $60. This is considerably lower than other options on the market and helps to improve the overall affordability of this premium plan. 

If Liberty Home Guard can continue on this path they have been in the last two years, this is a company that will start taking even more of the Iowa market share. Liberty Home Guard has proven that they are a company to trust, and this is something that you should be looking for in your next home warranty provider.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is the best home warranty for appliance coverage in Iowa. First American Home Warranty has been in the market for 37 years and has proven itself as one of the best home warranty companies in the industry. The great thing about First American Home Warranty is that they make their appliance coverage affordable and extensive. You will find that there is excellent customer service and very clear guidelines as to what is covered. 

There are only two choices for First American Home Warranty policies. The appliance plan and then a Premier Plan that covers both systems and appliances. Although the appliance plan tends to be the more popular of the two options, the Premier Plan will give you peace of mind about things like your heating system, electrical and plumbing stoppages. However, the only way to get central air conditioning coverage with a First American Home Warranty is by purchasing the Central Air Conditioning add-on. 

The optional coverage choices from First American Home Warranty include: 

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool/Spa equipment
  • Well pump
  • Septic/septic tank pumping
  • First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)
Plan Price Per Month Price Per Year
Basic Plan  $38 $420
Premier Plan $48.50 $526

There is an $85 service fee associated with the First American Home Warranty. The service fee is considered to be average for an Iowa home warranty. 

If you have never had a home warranty in the past, it makes sense to purchase an appliance plan to start. For a low monthly cost, you can start to see the plan’s benefits and then upgrade if needed from there. The First American Home Warranty gives the perfect entry into the home warranty industry. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. 

Iowa Home Warranty Buying Guide

At this point, you have things narrowed down to the top five home warranties in the state of Iowa. However, there is still quite a bit of work to do to get things down to the best overall choice. There are quite a few things that you can use to compare the different home warranty companies on the market. The three best ways to compare the plans are overall plan pricing, coverage options, and workmanship guarantee. 

  • Overall Plan Pricing: The pricing of a plan is very important because it needs to be able to justify itself. At the end of the year, you will have to say that the money spent on the home warranty plan was worth it. When comparing the price of the plan, make sure to look at monthly payments and service fee pricing as well.  
  • Workmanship Guarantee: A repair to a system or appliance is only good if it lasts. If you have to keep paying for service technicians and repair personnel to come to the home to fix the same issue, it will get frustrating. Some policies have a 30-day workmanship guarantee others will go as far out as 180 days. 
  • Coverage Options: Take a walk around your Iowa home and look at all of the appliances and systems that you have in place. See which of these systems and appliances matter the most to you and make it a point to find a plan covering all of these things. 

Top Home Maintenance Problems in Iowa

As great as Iowa homeownership is, expect to find some issues with some of your systems and appliances through the years. Iowa has warm summers and cold winters, and that can put some stress on certain areas of the home. Three of the top home maintenance problems in Iowa are the electrical system, plumbing system, and heating system failures. Let’s take a look at how having a home warranty can help you deal with these top home maintenance problems. 

  • Plumbing System: The problem with the plumbing system is that sometimes it can be caused by a stoppage, and other times it is a complete break. Plumbing companies will charge large amounts of money to do the investigative work necessary to find the issues to your problems; luckily, with an Iowa home warranty in place, you will only be responsible for a service fee. 
  • Electrical System: The electrical system keeps all other appliances and systems in your home running. With more and more people working from home electricity is a must. Electricians are busier than they have ever been, but with a home warranty in place, you will be guaranteed service typically within a 24-48 hour time period. 
  • Heating System: When the Iowa winter hits, your heating system needs to be in top condition. Heating system failure can lead to other issues throughout the home. Getting a reliable and fast repair on your heating system will only cost you the price of a service fee. 

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Our Conclusion

At this point, you should feel great about the home warranty options available for Iowa homeowners. The Choice Home Warranty stands out as the best overall option. Choice has an excellent customer support team, impressive coverage, simple and straightforward plans, and the pricing is overall quite fair. When you are comparing these home warranty companies, it makes sense to get a few different quotes to make sure that you choose the best possible option for your Iowa home. With all of the great choices out there, it is hard to go wrong. The most important thing you can do for yourself is to protect your budget and maintain your peace of mind by having a home warranty in place. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

See the best home warranty companies in your state

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Frequently Asked Questions About Iowa Home Warranties

How Much Does A Home Warranty Cost In Iowa? 

An Iowa home warranty can cost anywhere from $35 to $75 per month. The costs are based on the amount of coverage and the quality of the plan. Some plans that appear cheap will not cover that many systems or appliances. In addition, the higher pricing of some plans is related to the add-on coverage that a home warranty can put into place for things like pools and spas. 

What Is The Best Home Warranty Company In Iowa?

The best home warranty company in Iowa is the Choice Home Warranty. Choice is a 13 year home warranty veteran with excellent customer service and easy plan choices. If your home is new or you have been living in it your entire life, Choice Home Warranty will still offer coverage. 

Does A Home Warranty Cover Replacement Costs?

A home warranty will cover replacement costs as long as it is within the policy limits. If the limits of your policy are high, the replacement is much more likely to be covered. Remember that if you have old appliances, the money you get towards replacement will not be all that much; however, it can help you save some money. 

Is A Home Warranty Worth It?

A home warranty is well worth the money you pay for the plan. Think about a month where your washing machine and your water heater experience an issue, will you have the funds to have them both repaired? With a home warranty policy in place, these issues may only cost you a service fee with no additional charges. Most Iowa residents with a home warranty will admit that the plan easily pays for itself after just one or two repairs around the home. 

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