A home warranty can offer you the peace of mind you need about your home and protect your savings account from large expenses by covering your home's major systems and appliances.
Owning a home in Des Moines has many great benefits, but there are, of course, some negatives too. The humid weather can cause problems in a home and destroy some systems and appliances.
Choosing the best home warranties on the market can be a challenge because of the sheer number of options out there. If you are overwhelmed by trying to compare the different options, keep reading for our guide on the best home warranty companies in Des Moines.
The first step in protecting your property with a home warranty is determining which provider's plan is right for you. Consider the items in your home you want coverage for and compare the plans. Before making your final decision, here are a few other factors to consider:
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 offers the best overall home warranty in Des Moines. 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 plans from Choice are easy to understand and offer both system and appliance coverage.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To read more, visit our detailed review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 for Des Moines residents. When you purchase a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 policies that Select has include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Select Home Warranty are 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 many major systems and appliances, and service fees are a reasonable $60.
To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our detailed review of Select Home Warranty.
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
In Des Moines, American Home Shield offers the most customizable home warranty. When you purchase a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easy to understand and offer both system and appliance coverage.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered appliance or system.
Read our review of American Home Shield to learn more. To receive a free quote from American Home Shield, fill out this online form or give them a call at 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
In Des Moines, The Home Service Club is the best home warranty with the quickest service. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for homeowners to choose from.
The Home Service Club has 2 plans that provide a mix of system and appliance coverage. HSC's service fees are customizable and range from $65 to $90, and the coverage limits come out to around $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read our thorough review of The Home Service Club to learn more.
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 Des Moines residents. Liberty has 3 plans for homeowners to decide between. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also generally about $3,000.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our review of Liberty Home Guard.
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 Des Moines, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty business for about 38 years. First American has 2 plans for you to decide between. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it 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 plans from First American Home Warranty are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered appliance or system.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For more information on this provider, read our First American Home Warranty 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 in Des Moines. Cinch offers 3 plans for you to decide between. If you're looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to about $1,000-$2,000 for each covered system or appliance.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our Cinch Home Services full 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 lower 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 they start to break down, it can be expensive and a pain. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
When you have a system or appliance that has a problem, you file a claim with your home warranty provider. You can do so in an online portal or by telephone, and then a technician will come and fix the problem. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will typically happen 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 home systems and appliances from normal wear and tear. Typical appliances covered by a home warranty plan include a dryer, microwave, dishwasher, garbage disposal, refrigerator, washer, and more. The systems that are most commonly covered will be air conditioners, electrical systems, heating systems, plumbing systems, and hot water heaters. Add-on coverage options can vary by provider but often include things such as a central vacuum, sprinkler system, second refrigerator, septic system, and plumbing stoppages.
An important thing to consider is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as cosmetic damages, pre-existing conditions, misuse, and lack of maintenance are excluded from the home warranty policy.
Since temperatures in Des Moines can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks down all of a sudden.
A home warranty also can also save you time and energy. Instead of spending hours finding and choosing a contractor to fix your appliance or system, home warranty companies do the hard work for you and just send a trusted professional to your door whenever you need them.
There are also some downsides to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty. Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They commonly won't cover home systems or appliances that have stopped working due to natural disasters, animal infestations, improper maintenance, etc.
A home warranty can help ease some of a homeowner's maintenance headaches, but ultimately, it's up to you to determine if investing in one is the right move for you and your family. Be sure to do your research and read through any home warranty policy that you're considering purchasing to understand what repairs will and will not be covered under your contract.
A home warranty can save you thousands of dollars on home maintenance and give you peace of mind as a homeowner. The best provider in Des Moines is Choice Home Warranty. With its comprehensive plans, fair pricing, and a good reputation in the industry, Choice Home Warranty has a lot to offer.
The top home warranty provider in Des Moines is Choice Home Warranty. Choice Home Warranty has a large network of professional contractors and a respected reputation in the Des Moines area.
A home warranty is a type of service contract that gives homeowners extra coverage for their household systems and appliances. These include dryers, garbage disposals, dishwashers, washing machines, refrigerators, plumbing, heating and cooling systems, sump pumps, water heaters, and electrical systems, among others. Some plans also offer coverage for ceiling fans, pools, roofs, and garage door openers. A home warranty can help you save money if these items break down unexpectedly.
Home warranty plans cover problems with systems and appliances that need repairs or replacements due to normal wear and tear. A homeowner's insurance policy is a different kind of insurance that protects one's entire home from natural disasters and fires. It doesn't cover normal appliance or system repairs.
A home warranty plan can help investors, homeowners, real estate agents, homebuyers, and home sellers. It can provide peace of mind to anyone involved in homeownership.
A home warranty can cost on average anywhere from about $300 to $800 a year in Des Moines. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. In addition, it's often cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best value is.
