Best Home Warranty Companies in Iowa (2023)

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 choosing the best home warranty, how much an Iowa home warranty costs, and the best home warranty companies in Iowa.

Iowa has a wide range of weather and climate conditions throughout the course of a year. These can cause major issues when it comes to home systems and appliances. A home warranty is the perfect way to enjoy peace of mind while also keeping your budget intact. Keep reading as we help you find the best home warranty in Iowa.

Iowa’s Best Home Warranty Companies in 2023

1. Choice Home Warranty: Best Overall 
2. Select Home Warranty: Most Cost-Effective Plans 
3. American Home Shield: Best Customizable Plans 
4. The Home Service Club: Quickest Service
5. Liberty Home Guard: Most Trustworthy

Quick Comparison of Home Warranty Providers

1. Choice Home Warranty

• Our Take: Best Overall
• Average Annual Cost: [$550] – [$650]
• Response Time: Up to 48 hours

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 its coverage has only continued to improve through the years. 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 an excellent choice for those that are new to the world of home warranties.

Plans and Pricing

Unlike many other companies on the market, Choice Home Warranty only offers two plans, the Basic and the Comprehensive Coverage. 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 helps increase the peace of mind you have as a homeowner. In addition, Choice Home Warranty offers several add-on options to make the plan more comprehensive. The service fee from Choice Home Warranty is $85.

Here’s a detailed look at Choice Home Warranty’s coverage: 

• Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. Although the coverage of the Basic Plan is slightly limited, the high coverage caps of close to $3000 per item are still included.
• Total Plan ($53.33 per month): The Total Plan is the more complete plan with several additional covered items. The Total Plan has 17 total covered items. These include the clothes washer, dryer, refrigerator, and air conditioner coverage. These four add-ons are very important for those in Iowa, especially the HVAC coverage.

Coverage

Choice Home Warranty has several add-on coverages that you can attach to either of its plans.

• Roof leak coverage (single-family homes only)
• Central Vacuum
• Septic Tank
• Well Pump
• Pool
• Spa (Can be combined with pool coverage if equipment is shared)
• Sump Pump (must be permanently installed)
• Stand Alone Freezer

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

Read the full Choice Home Warranty Review.

2. Select Home Warranty

• Our Take: Most Cost Effective
• Average Annual Cost: [$579] – [$650]
• Response Time: Up to 48 hours

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. 

Plans and Pricing

Select Home Warranty has three plan options to choose from. The systems plan, appliance plan, and combo plan will cover a variety of unique needs for your Iowa home. The plans start at $52 and increase from there. 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. The service call fee from Select Home Warranty is very affordable at just $65, and coverage caps are fair, with many being around $2000.

Here’s a detailed look at Select Home Warranty’s coverage: 

• Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop. Some first-time homebuyers will start with this plan because of the fear of replacing kitchen appliances.
• Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Home system breakdowns are expensive, and this plan will keep high dollar repairs off the table.
• Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. For just a few extra dollars per month, the Platinum Care Plan is your best overall protection plan from Select Home Warranty.

Coverage

Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without having to pay extra.

• Central vacuums (Does not include clogged pipes)
• Lawn sprinkler systems
• Pools (Can combine with spa coverage if the equipment is shared)
• Spas
• Stand alone freezers
• Sump pump (must be within the foundation of the home)
• Well pump

3. American Home Shield

• Our Take: Best Customizable Plans
• Average Annual Cost: [$479] – [$779]
• Response Time: Up to 48 hours

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. 

Plans and Pricing

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. The service fee starts at around $75 and increases to $125.

Here’s a detailed look at American Home Shield’s coverage:

• ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, doorbells, instant hot/cold water dispenser plumbing, and ductwork.

• ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. 
• ShieldPlatinum™ ($64.99  per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of Iowa. Some of the coverage caps on this service contract can be more than $5000. Very few exclusions and claim denials with the ShieldPlatinum plan in place.

Coverage

American Home Shield also offers a few add-on coverages for homeowners to consider.

• Septic system (first-year customers only, nonrenewable)
• Pool
• Spa
• PC
• TV (includes home theater system)
• Well pump coverage

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.

4. The Home Service Club

• Our Take: Quickest Service
• Average Annual Cost: [$600] – [$756]
• Response Time: Within 24 hours

The Home Service Club offers the quickest service of any home warranty plan in the state of Iowa. For those looking to have major systems and appliances covered in just ten days’ time, The Home Service Club is by far the best of the service providers. With this home warranty plan, you will find comprehensive coverage plans and positive customer reviews. The Home Service Club has more than 10 years of experience in the industry and is a go-to plan for homeowners that want a great deal of coverage for the money

Plans and Pricing

There are two home protection plans from The Home Service Club, the Standard Coverage plan and the Comprehensive Coverage Plan. The Standard Coverage is a combo or comprehensive plan with about 18 covered systems and appliances. The Comprehensive Coverage will have more than 30 covered items. The service fee from The Home Service Club is customizable and ranges from $65 to $125. When looking at sample contracts, you will see that the amount of coverage for the money is quite good from The Home Service Club.

Here’s a detailed look at The Home Service Club’s coverage:

• Standard Coverage ($50 per month): The Home Service Club Standard Coverage Plan has 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. 
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club has 33 covered items. These extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Even though the Comprehensive Coverage Plan is a bit higher in price, the deductible or service fee costs will remain the same.

Coverage

The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.

• Well pump
• Service line
• Plumbing sprinkler
• Spa
• Roof Leak (up to $1000 in coverage)
• Spa heater
• Free standing freezer
• Water softener
• Pool (can be combined with spa coverage if the equipment is shared)
• Sprinkler system
• Pump (Sewage ejector pump)

To get a free quote from The Home Service Club, fill out this online form or call 800-842-9334. 

To learn more information, visit our The Home Service Club review.

5. Liberty Home Guard

• Our Take: Most Trustworthy
• Average Annual Cost: [$649] – [$749]
• Response Time: Within 24 hours

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 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. 

Plans and Pricing

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 service fee from LHG is $75.

Here’s a detailed look at Liberty Home Guard’s coverage:

• Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker.
• Systems Guard ($69.99 per month): The Systems Guard plan is a systems-only option with nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. 
• Total Home Guard ($74.99 per month): The Total Home Guard is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. If you want a plan covering appliances and systems, the Total Home Guard is the best option.

Coverage

Liberty Home Guard has one of the most extensive lists of add on coverages in the industry; these will include . . .

• Pool and spa
• Additional spa (Billed as an extra to the pool system)
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system (all mechanical parts)
• 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 

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

To learn more information, visit our Liberty Home Guard review.

Home Warranties in Iowa Cities

How Much Does a Home Warranty in Iowa Cost?

An Iowa home warranty will cost close to $685 a year on average. Home warranty providers will change their pricing depending on the type of home real estate you own, the number of coverages you choose, and sometimes even the customizable service fee. Home warranties in Iowa are about the same as they would cost throughout the rest of the country. For those on a strict budget, it makes sense to look for a plan that is customizable and will fit directly in your budget.

Overall	$667.16
Single Family	$563.32
Multi Family	$1,014.31
Townhome	$493.33
Condo	$594.35
Duplex	$833.41
Home Over 5,000 sq ft	$1,232.50
Home Over 10000 sq ft	$648.50

Compare the Best Home Warranty Companies in Iowa

Home Warranty Company	Choice Home Warranty	Select Home Warranty	American Home Shield	The Home Service Club	Liberty Home Guard
Our Rating	9.7	9.5	9.5	9.4	9.3
Best For	Best Overall	Most Cost Effective	Best Customizable Plans	Quickest Service	Most Trustworthy
Average Cost	$600/year	$614/year	$629/year	$678/year	$699/year
Service Fee	$85	$65	$75-$125	$65-$125	$75
Annual Limit	Up to $3000 per covered item	Up to $2000 per covered item	Up to $6000 per covered item	Up to $2500 per covered item	Up to $2000 per covered item
Average Response Time	Up to 48 hours	Up to 48 hours	Up to 48 hours	Within 24 hours	Within 24 hours
State Availability	Excludes WA	Excludes NY, NV, WA, WI	Excludes AK	Available in All States	Excludes WA & WI
Online Chat / Mobile App	No	No	Yes	Yes	Yes
Quote	Get Quote	Get Quote	Get Quote	Get Quote	Get Quote

Final Thoughts

At this point, you should feel great about the home warranty options available for Iowa homeowners. 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. 

How to Choose the Best Home Warranty in Iowa

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 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. 

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. 

What is a Home Warranty?

A home warranty is a home protection plan that will keep your budget intact when home system and appliance repairs come up. Whether you are worried about your electrical system breaking down or a dishwasher that stops working, a home warranty can help to ensure you are properly covered. Home warranty plans are renewed on a yearly basis, and they typically require monthly payments or a single payment for the year. Home warranty plans are not the same as an insurance policy and will have different costs and methodology associated with them.

Home Warranty vs. Homeowners Insurance

Homeowners insurance is something that all homeowners with a mortgage will need to have in place. A home warranty is not a mandatory plan and instead is optional. Homeowners insurance protects against major issues like fire, tornado, and hurricanes, and it can protect your entire home, including the walls, flooring, cabinets, etc. The home warranty specifically protects the home systems and appliances from the normal wear they experience due to the day-to-day use.

How Does a Home Warranty in Iowa Work?

Home warranty contracts will work a little differently than a homeowners insurance plan or even an extended warranty on your appliance or system. The exact process may vary depending on the capabilities and technology of your service provider, but this is a general breakdown of how an Iowa home warranty works.

• Purchase a home warranty policy and wait the 10-30 days before the home warranty will go into effect
• When breakdowns with home systems and appliances occur, check your policy documents to ensure that the repair will be covered
• Most home warranty companies have an online portal system that allows for claim submittal, but it is acceptable to call or live chat to alert the provider to the issue and submit a claim
• Pay the service call fee before the representative comes to your home to inspect the issue; expect this to happen within 24 to 48 hours after submitting a claim
• Once the issue is inspected, options for repair or replacement will be presented; if the appliance or system can’t be repaired, the home warranty plan will typically offer savings related to replacement costs
• Repair should happen within 24-72 hours, depending on parts needed and the schedule of the contractor or service technician; some will happen the same day
• If any issues occur within the free reservice period, simply let the home warranty provider know, and the workmanship guarantee will help ensure you don’t have to pay another service fee

What does a Home Warranty Cover?

There are three major categories that all home warranty plans will protect against; these include appliances, systems, and add on coverages. The add on coverages are typically things like a lawn sprinkler, locksmith, and swimming pools.

The home warranty is in place to help cover unexpected expenses that come up as a result of normal wear. If the damage to the appliance or system was not intentional and came up as a result of normal use, chances are your home warranty claim will be approved.

With the amount that we use our homes on a daily basis, normal wear is to be expected, but it can cause a great deal of stress for homeowners. The home warranty allows for peace of mind and the ability to enjoy your home as opposed to worry about it.

What is Not Covered by a Home Warranty?

Home warranty plans specifically cover normal wear. If you have seen some of these horrible reviews about a home warranty company denying claims, you must look a little deeper as to why the claim was denied. If you try to rip open your microwave and the handle flies off, this is not considered normal wear. You must take care of your home systems and appliances in order for the home warranty provider to repair them. Sometimes having an inspection done before the start of your home warranty policy can help if there are issues with claim denial in the future.

• Cosmetic issues
• Natural disasters
• Pre existing conditions
• Lack of maintenance and upkeep
• Intentional breakage
• Misuse of a system or appliance

Biggest Complaints about Home Warranty Companies in Iowa

When you read through reviews from homeowners in Iowa, there are also people that are unhappy with their home warranty service. This can happen for a variety of reasons, and sometimes it is an issue that was created by the homeowner themselves. Here are a few of the issues we have seen with home warranty companies in Iowa.

• Long wait times for repair parts: even if your home warranty provider comes to your home the same day to inspect the issue, sometimes there will be several weeks of waiting for the part; with OEM parts, there may be no other choice, but it is still frustrating to wait
• Failed repairs: not all service technicians are going to fix your home warranty related repair the first time they come to your home, this is frustrating if you have to go through several companies in order to repair your system or appliance, but it should not come at an additional cost
• Claim denial: home warranty companies will deny claims if they think the issue was preexisting or that there was an intentional breakage; certain parts of an individual appliance or system could also be excluded from the policy

Are home warranties worth it?

Home warranty plans are worth it for the large majority of homeowners. If you are a busy working professional, have a young family, or are retired and not capable of fixing your own home systems and appliances, the home warranty plan will save you both time and money. For people that are great with DIY repairs and have the time to invest in their home, the home warranty may not be worth it.

The home warranty will allow homeowners more than just cost savings. Having peace of mind that the next breakdown or replacement is going to cost you just $75 or $100 can help make homeownership more enjoyable. Many homeowners stress about the costs of owning a home, and this can take away from the positive experiences of living in a home.

Without a home warranty in place, homeowners can expect to pay anywhere from $75 to $150 just to have a problem diagnosed. Then repair costs can range from a few hundred to a few thousand dollars. Home warranty plans require a service fee to be paid, but that is the only out-of-pocket cost outside of the monthly premium.

Most homeowners find that after just one or two repairs or replacements, the home warranty costs for the year will pay for themselves. You may have a good year and break even, but you protect yourself against those years when the home systems and appliances all struggle with issues.

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. 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. 

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 ensure no detail was left out.

To make the most of our research, we developed an objective rating system to score each home warranty company 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 and service fees compared 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 judged 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 set them apart from the competition.

See the best home warranty companies in your state

Additional Iowa Home Warranties to Consider