Updated Jan 10, 2023
Updated Jan 10, 2023
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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.
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House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
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.
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:
Choice Home Warranty has several add-on coverages that you can attach to either of its plans.
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.
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 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:
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.
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. The service fee starts at around $75 and increases to $125.
Here’s a detailed look at American Home Shield’s coverage:
American Home Shield also offers a few add-on coverages for homeowners to consider.
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.
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
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:
The Home Service Club also has plenty of add-on options, starting around $5 per month and increasing from there.
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.
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.
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:
Liberty Home Guard has one of the most extensive lists of add on coverages in the industry; these will include . . .
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.
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.
|Home Over 5,000 sq ft||$1,232.50|
|Home Over 10000 sq ft||$648.50|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost Effective||Best Customizable Plans||Quickest Service||Most Trustworthy|
|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|
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.
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.
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.
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.
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.
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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.
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.
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.
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.
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.
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.
The best home warranty company in Iowa is 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.
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.
A home warranty is well worth the money you pay for the plan. Think about a month when 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.
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:
Additional Iowa Home Warranties to Consider
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