A home warranty is a way to protect your bank account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
With hot summers and cool winters, working home appliances and systems, especially HVAC, are extremely important for homeowners in the Des Moines area of Iowa.
Finding the best home warranty plan for your Des Moines home can be hard, so our team at House Method did the research for you to help you find the top home warranty in Des Moines. Keep reading for our home warranty recommendations and learn which plan works best for your home.
Selecting the best home warranty in Des Moines for you and your family comes down to the kind of coverage you want, the home warranty company you opt for, and where you live, among other factors. Below is a list of factors that you'll want to bear in mind when picking a home warranty provider:
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
Choice Home Warranty is the best overall home warranty for Des Moines residents. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our detailed review of Choice Home Warranty to learn more.
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 offers the most cost-effective home warranty in Des Moines. The 3 plans from Select are easy to understand and offer both system and appliance coverage. 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 plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. Read our thorough review of Select Home Warranty to learn more.
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 offers the most customizable home warranty for Des Moines residents. AHS has 3 simple plans, making the selection process and policy coverage easily understandable. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 for each covered system or appliance.
To get a free quote from American Home Shield, fill out this online form or call 888-365-2839. For a more detailed breakdown, read our review of American Home Shield.
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
In Des Moines, The Home Service Club is the best home warranty with the quickest service. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. The coverage caps associated with HSC's plans are around the $2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information, read 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
In Des Moines, Liberty Home Guard offers the most trustworthy home warranty. Liberty is a home warranty company with 5 years of experience in the industry, and it has proved to be one of the best providers in the business. When you purchase a plan 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 has 3 simple plans, making the selection process quick and easy.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our Liberty Home Guard Review to learn more.
Five years of industry experience
Fact service with 24/7 customer support
Discounts for paying the annual price
Free roof leak coverage
Limited availability (only offered in 44 states)
Only 1 day to submit repair claim
ServicePlus Home Warranty is the best home warranty for emergency service for Des Moines residents. When you buy a plan from ServicePlus, you will get quick repairs with 24/7 customer support. ServicePlus Home Warranty also has been expanding its coverage to more and more areas across the country. The 2 plans that ServicePlus has include differing levels of system and appliance coverage, as well as add-on options.
ServicePlus Home Warranty offers 2 plans for Des Moines homeowners. The Gold Plan and Platinum Plan are the options they have, which contain a mix of system and appliance coverage. ServicePlus' service fees are an affordable $75, and the coverage caps come out to around $1,500 per covered appliance or system.
For more information on this provider, read our review of ServicePlus Home Warranty. To receive a free quote from ServicePlus Home Warranty, fill out this online form or give them a call at 478-210-5091.
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
First American Home Warranty offers the best home warranty for appliance coverage in Des Moines. First American offers very affordable and comprehensive appliance coverage. Plus, it 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. The 2 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
First American Home Warranty offers 2 plans for Des Moines homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read more by visiting our First American Home Warranty full review.
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 Des Moines residents. Cinch has been in the home warranty industry for around 43 years. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to comprehend and offer both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. For more information, read our Cinch Home Services Review.
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 Des Moines
A home warranty is a home protection plan that can decrease the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Des Moines home comfortable and convenient. When these things need repairs or replacements, it can be costly and a pain. Luckily, with a home warranty in place, an affordable repair is just a phone call away.
When one of your systems or appliances has a problem, you file a claim with your home warranty provider. You can do so in an online portal or by calling them, and then a contractor will come and fix the problem. The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair for their home. This repair will usually occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty will cover systems and appliances that have stopped working due to normal wear and tear. For instance, if your A.C. suddenly needs repairs under normal use conditions, this is a perfect time to call your home warranty provider. The appliances covered are a clothes washer, dishwasher, stove, clothes dryer, microwave, refrigerator, cooktop, and more. The systems included are the water heater, heating system, air conditioner, plumbing, electrical, and more. Add-on options can vary from one plan to another but often include things like a central vacuum, sprinkler system, second refrigerator, plumbing stoppages, and septic system.
A home warranty will only help you with repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, your home warranty will not cover it. Things such as pre-existing conditions, lack of maintenance, misuse, and cosmetic damages are not covered by a home warranty policy.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Des Moines hitting upward of 59 degrees in the summer, you may find that certain appliances, such as your A.C., get a lot of use. A home warranty can remarkably bring down your out-of-pocket expenses should your HVAC system break down.
A home warranty can also provide value in other ways. For example, some policies can be transferred to another owner when you sell your home.
There are also some negatives to buying a home warranty plan, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered by a manufacturer's warranty. Plus, if you don't maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Although home warranties do have some downsides, whether during winter, summer, or the months in between, a home warranty can help reduce the inevitable hassle of dealing with home appliances and system repairs, giving you some peace of mind.
We hope you now feel confident that you can choose a home warranty company in Des Moines after going through our guide. Choice Home Warranty is the best overall home warranty provider in Des Moines. Its comprehensive coverage, fair pricing, and ease of use make it a great home warranty for Des Moines homeowners.
The best overall home warranty in Des Moines is Choice Home Warranty but the right company for you will vary based on factors such as what appliances and systems you need coverage for.
Home warranties cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different insurance that protects the entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system damage.
A home warranty will cover repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or something that happened as a result of a pre-existing condition.
Most home warranty plans cover replacement costs in addition to repair costs. The coverage cap varies from one plan to the next. Home warranties will give you some money towards a replacement but the entire replacement may not be paid for.