A home warranty can bring you the peace of mind you need about your home and shield your bank account from large expenses by covering your home's major systems and appliances.
Dubuque gives homeowners some great neighborhoods and the opportunity to enjoy the seasons. However, the variable temperatures can do quite a bit of damage to your home's systems.
Although a home warranty can help with your homeowner expenses, one pain point is narrowing down the perfect choice for your Dubuque home. That's why we've done the research and have compiled a list of the top home warranty companies in Dubuque.
The first step in protecting your house with a home warranty is determining which company's plan fits your needs. Think about the items in your home you'd like coverage for and compare the plans. Here is a list of factors that you'll want to keep in mind when choosing 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 in Dubuque. 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. Choice has 2 simple plans, making the selection process quick and easy.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice's service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our Choice Home Warranty Review.
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 Dubuque. When you purchase a plan 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 home warranty company 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. Select has coverage caps of around $2,000 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 a reasonable $60.
Read our detailed review of Select Home Warranty to learn more. 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 Dubuque 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, this is the provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS's plans are close to 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, you can 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
In Dubuque, The Home Service Club is the best home warranty with the quickest service. HSC has 2 simple plans, making the selection process quick and easy. 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 Service Club offers 2 plans for Dubuque homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have 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 about $2,000 for each covered system or appliance.
To get 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 Dubuque residents. When you purchase 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 has 3 simple plans, making the selection process and policy coverage easily understandable.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Dubuque area.
To read more, visit our full review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
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 Dubuque residents. ServicePlus has about 6 years of experience in the home warranty market and in that time has built a a skilled network of service professionals in the country. ServicePlus has 2 plans for you to decide between. With a home warranty from ServicePlus, you can enjoy quick repairs with 24/7 customer support. Not to mention, it has been expanding its coverage to more and more areas across the country.
ServicePlus Home Warranty offers 2 plans for Dubuque homeowners. The Gold Plan and Platinum Plan are the options they have, which contain a mix of system and appliance coverage. Service fees from ServicePlus are an affordable $75. The coverage caps are also generally around $1,500.
To read more, visit our comprehensive review of ServicePlus Home Warranty. To receive a free quote from ServicePlus Home Warranty, fill out this online form or call 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
In Dubuque, First American Home Warranty offers the best home warranty for appliance coverage. First American has 2 plans for you to choose from. 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.
First American Home Warranty offers 2 plans for Dubuque homeowners. The Basic Plan and Premier Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from First American are around $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Dubuque area.
For more information on this provider, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 Dubuque. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The home warranty company offers 3 plans to policyholders that have various options for appliance and system coverage.
Cinch Home Services has 3 plans that offer a combination of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically about $1,000-$2,000.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our review of Cinch Home Services.
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 Dubuque
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Dubuque home comfortable and convenient. When they need repairs or replacements, it can be expensive and an inconvenience. Fortunately, with a home warranty plan, an affordable repair is just a phone call away.
For Dubuque homeowners, when an issue comes up 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 the service fee, which is usually between $60 and $150 depending on what plan you have. After the service fee is paid, a repair person will come to your home, assess the issue, and make the repair. If the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
Home warranty plans help protect both home systems and appliances. A home warranty can cover repair and replacement-related expenses that are due to normal wear . Appliances covered under a home warranty plan are the garbage disposal, microwave, dryer, dishwasher, refrigerator, and more. Systems that are covered usually include air conditioners, electrical systems, heating systems, water heaters, and plumbing systems. Add-on options can vary by plan but often include things such as a central vacuum, plumbing stoppages, septic system, sprinkler system, and second refrigerator.
A home warranty will only protect against normal wear and tear that occurs on your home systems and appliances. Things such as lack of maintenance, cosmetic damages, misuse, and pre-existing conditions are excluded from the home warranty policy.
Dubuque is known for its cold winters, and if you live in Dubuque, you know that the weather can be unpredictable. During the winter months, your heating system can be overloaded in its effort to combat the cold. In the event that your heater did break down, a home warranty can cover the repairs and prevent you from spending out-of-pocket expenses.
Additionally, having a Dubuque home warranty can make your house more attractive to potential home buyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you've been receiving.
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 by a manufacturer's warranty. Another thing to take into consideration is that some providers don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you aren't sure or if this is an issue for you.
Although home warranties do have some exclusions to keep in mind, 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 a little peace of mind.
A home warranty in Dubuque can save you a lot of money and offer you peace of mind when it comes to pricey home repairs and replacements. Choice Home Warranty is the best overall home warranty company in Dubuque. It offers great and comprehensive coverage of all the essential home systems and appliances at an affordable cost with several optional add-ons.
The best overall home warranty in Dubuque 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.
A home warranty is a kind of service contract designed to give homeowners extra coverage for their household systems and appliances. These include dishwashers, garbage disposals, refrigerators, washing machines, dryers, water heaters, heating and cooling systems, electrical systems, plumbing, and sump pumps, among others. Some plans also provide coverage for garage door openers, ceiling fans, roofs, and pools. A home warranty can help you save money if these items fail unexpectedly.
Typically coverage for a home warranty policy begins 30 days after the payment receipt. However, a few companies may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your case.
Home warranties will cover the cost of repairs and replacements if it is within the policy limits of the plan. If the replacement will cost more than the home warranty plan covers, you will have to pay for the rest out of pocket.