A home warranty is a way to protect your bank account from unexpected large expenses. With a home warranty in place, your repair costs can be remarkably lower and give you some peace of mind.
Owning a home in Iowa City has tons of great benefits, but there are, of course, some downsides too. The humid weather can cause problems in a home and destroy some systems and appliances.
Since the home warranty market is saturated with a lot of providers — all with different offerings — our team at House Method did the research for you to help you find the best home warranty in Iowa City.
The first step in protecting your house with a home warranty is determining which company's plan fits your needs. Consider the items in your home you need coverage for and compare the policies. Plans can vary, so consider the following factors 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 offers the best overall home warranty for Iowa City residents. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to choose from.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Iowa City area.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our detailed 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
In Iowa City, Select Home Warranty offers the most cost-effective home warranty. The 3 policies that Select has include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty offers 3 plans for Iowa City homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Select are about $2,000. The service fees are a reasonable $60, which is lower than other providers in the Iowa City area.
Read our Select Home Warranty Review to learn more. To receive 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
In Iowa City, American Home Shield offers the most customizable home warranty. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. With a home warranty from AHS, you can benefit from 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered appliance or system.
Read more by visiting our American Home Shield full review. 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 is the best home warranty with the quickest service in Iowa City. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for homeowners to decide between.
The Home Service Club has 2 plans that offer a combination of system and appliance coverage. HSC has coverage caps of around $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 $65 to $90.
Read our thorough review of The Home Service Club to learn more. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
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 is the most trustworthy home warranty in Iowa City. The 3 plans from Liberty are easy to comprehend and offer both system and appliance coverage. 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is lower than other providers in the Iowa City area.
To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. Read our detailed review of Liberty Home Guard to learn more.
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 Iowa City. First American has over 38 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. 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 home warranty company offers 2 plans to policyholders that have various options for appliance and system coverage.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also typically about $1,500 at the maximum.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our review of First American Home Warranty.
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 is the home warranty with the best workmanship guarantee for Iowa City residents. 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 easily comprehensible and offer a mix of both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information, read 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 Iowa City
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they break over time due to normal wear and tear. Having one in place can provide some peace of mind and protect your savings account from big out-of-pocket costs. Most home warranty plans start about 30 days after buying the home warranty policy.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal where you can do this. Once you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. Once you file the claim, it will be assigned to a local repair person that will come to your home and fix the problem. At this point, you pay your service fee. Service fees typically range in price from around $60 to $150 and this is the only out-of-pocket fee you will have to pay unless the repair cost is higher than your home warranty's coverage cap.
A home warranty plan will cover home systems and appliances from normal wear and tear. Typical appliances covered under a home warranty include a garbage disposal, dryer, washer, microwave, dishwasher, refrigerator, and more. The systems that are most commonly covered will be heating systems, hot water heaters, plumbing systems, electrical systems, and air conditioners. You can also decide to pay extra for add-on coverage for items such as septic systems, spas, roof warranty, and swimming pools.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things like lack of maintenance, misuse, cosmetic damages, and pre-existing conditions are excluded from the home warranty policy.
Since temperatures in Iowa City can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
In addition to saving you money on out-of-pocket expenses, a home warranty can provide you peace of mind and save you the headache of trying to find a qualified contractor to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may come across.
There are also some negatives to buying a home warranty policy, such as the coverage exclusions. For example, home warranties may not cover home systems or appliances that are already covered under 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.
A home warranty can be the solution to some of a homeowner's maintenance troubles, but ultimately, it's up to you to decide whether or not investing in one is a good choice for you and your family. Be sure to do your research and read over any home warranty contracts that you're considering buying to get a sense of what repairs will and will not be covered under your contract.
A home warranty in Iowa City can save you thousands of dollars and give you peace of mind when it comes to expensive home repairs and replacements. All of these top home warranty providers have impressive experience in the industry and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage of all the essential home appliances and systems at an affordable cost with several add-on options.
The best overall home warranty in Iowa City is Choice Home Warranty but the perfect company for you will vary based on factors such as what appliances and systems you need coverage for.
A home warranty is a type of service contract that provides homeowners extra coverage for their household systems and appliances. These include washing machines, dryers, garbage disposals, refrigerators, dishwashers, electrical systems, sump pumps, heating and cooling systems, water heaters, and plumbing, among others. Some companies also provide coverage for ceiling fans, pools, garage door openers, and roofs. A home warranty can help you save money if these appliances and systems fail unexpectedly.
Most home warranty providers have a 30-day waiting period before you can file claims, but some may offer coverage sooner so be sure to check with the company about this.
A home warranty policy covers repair and replacement costs for systems and appliances in a home. Home warranties will not cover the intentional breaking of an appliance or pre-existing conditions.
Most home warranties are going to cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. Home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
