When one of your systems or appliances stops working, a home warranty will help you cover the costs. Getting a home warranty can give homeowners the peace of mind they need to feel less anxious about homeownership.
As much as you may enjoy homeownership in Cedar Rapids, there is always that worry about whether or not your systems and appliances are going to hold up during the next few years.
Finding the best home warranty on the market can be quite overwhelming since there are so many companies to choose from. That's why our team at House Method did the research and put together a list of the best home warranty companies in Cedar Rapids for you.
The first step in protecting your property with a home warranty is determining which provider's plan is the best for you. Figure out which items in your home you need coverage for and compare the policies. When figuring out which home warranty provider is the best one for you, here are some important factors to keep in mind:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
In Cedar Rapids, Choice Home Warranty is the best overall home warranty. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also around $3,000.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our comprehensive review of Choice Home Warranty.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Cedar Rapids. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select's plans are around the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
For more information on this provider, read our review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield is the most customizable home warranty for Cedar Rapids residents. AHS is a home warranty provider with 25 years of experience in the industry, and it has become one of the best providers in the business. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 home warranty plans that AHS has include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
For a more detailed breakdown, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service in Cedar Rapids. HSC has been operating for over 14 years, making it a well-respected company in the industry. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to about $2,000 for each covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. Read more by visiting our review of The Home Service Club.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Cedar Rapids residents. The 3 plans from Liberty are comprehensive and offer a mix of both system and appliance coverage. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $75.
For a more detailed breakdown, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Cedar Rapids, First American Home Warranty offers the best home warranty for appliance coverage. The 2 home warranty plans that First American offers include options for appliance and system coverage. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. The coverage caps associated with First American's plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our First American Home Warranty Review to learn more.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee for Cedar Rapids residents. When you purchase a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to understand and have a mix of both system and appliance coverage.
Cinch Home Services offers 3 plans for Cedar Rapids homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
Read more by visiting our Cinch Home Services Review. To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Cedar Rapids
A home warranty is a protection plan that covers home systems and appliances. When your washer or dryer breaks down and the repair costs several hundred dollars, a home warranty will make sure that you only have to pay a predetermined service fee. Home warranty coverage typically starts without an inspection and generally goes into place about thirty days after making your first payment.
For Cedar Rapids homeowners, when a problem arises with a covered appliance or system, it is very straightforward to file a claim. Most home warranty providers have an online portal system where a claim can be filed. At this point, you will pay your service fee. Service fees for home warranties range in price from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum cost per year that the home warranty will cover for repairs and replacements.
A home warranty plan will cover your home's systems and appliances from normal wear . Appliances covered under a home warranty plan are the refrigerator, dryer, microwave, garbage disposal, dishwasher, and more. Systems that are covered usually include air conditioners, electrical systems, heating systems, plumbing systems, and water heaters. The add-on coverages can include roof leak, spa, septic system, pool, and sometimes even things like locksmith or pest control.
Cedar Rapids homeowners should know that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. You need to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related complication will be covered by the policy.
Since temperatures in Cedar Rapids can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances stops working suddenly.
Another added benefit of having a home warranty policy is that it can increase your home's property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you purchased your home warranty through.
Home warranties also have some cons. While it can be convenient that the home warranty sends out a repair technician who takes care of the repair for you, some people may not like this, and they would rather select a contractor themselves. If that's important to you, some home warranty plans allow you to select a contractor. Additionally, if you don't maintain your home systems or appliances properly, or if they need repairs or replacements due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Owning a home is a big responsibility that can be expensive, but valuable. A home warranty is one thing that can help with your home maintenance budget, but its worth for you is something you'll have to consider before getting a policy.
Hopefully, you now feel like you can select the best home warranty for your Cedar Rapids home. All of these top providers have impressive histories and backgrounds and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, fair pricing, and easy to understand plans make it a great home warranty for Cedar Rapids homeowners.
Our pick for the best overall home warranty provider in Cedar Rapids is Choice Home Warranty but the perfect company for you will vary based on factors like what appliances and systems you need to have covered.
A home warranty is a of service contract that gives homeowners extra coverage for their household systems and appliances. These include washing machines, refrigerators, garbage disposals, dishwashers, dryers, water heaters, electrical systems, heating and cooling systems, plumbing, and sump pumps, among others. Some plans also offer coverage for roofs, pools, garage door openers, and ceiling fans. A home warranty can help you save money if these appliances and systems break down unexpectedly.
A home warranty plan helps protect against the normal wear of systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a natural disaster or fire. Under homeowners insurance, you will not be able to file a claim should you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster.
Most home warranty policies have a 30-day waiting period before you can make service requests, but some may allow you to file sooner so make sure you check with the company about this.
Home warranties will cover the cost of repairs and replacements as long as it is within the coverage cap of the plan. If the replacement will cost more than the home warranty covers, you will have to pay for the rest out of pocket.
A service fee is an expense that must be paid before a service technician or contractor comes to your home to repair your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty except for the monthly premium/annual cost.
