When one of your systems or appliances malfunctions, a home warranty will help you cover the costs. Having a home warranty in place can give homeowners the peace of mind they need to feel less anxious about homeownership.
With a relatively mild climate, Sioux City is a great place to own a home. However, homeownership doesn't always come easy, like repairing and replacing your home's systems and appliances.
Since the home warranty market is saturated with many providers — all with different plans — the House Method team decided to do the research for you to help you find the best home warranty in Sioux City.
Once you're ready to get a home warranty, the first step is considering what items you need coverage for. From there, you can compare plans and call different home warranty providers for a free quote. Before deciding which home warranty to buy, here are a few additional factors to bear 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
Choice Home Warranty offers the best overall home warranty in Sioux City. 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 comprehensive and offer both system and appliance coverage.
Choice Home Warranty offers 2 plans for Sioux City homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. 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.
For a more detailed breakdown, read our thorough review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or call 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
In Sioux City, Select Home Warranty is the most cost-effective home warranty. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage. 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 Sioux City homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which have a mix of system and appliance coverage. Select's service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered system or appliance.
To read more, visit our review of Select Home Warranty. To receive a free quote from Select Home Warranty, you can 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 offers the most customizable home warranty for Sioux City residents. AHS has 3 simple plans, making the selection process easy. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to about $2,500 for each covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our American Home Shield Review.
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 Sioux City, The Home Service Club offers the best home warranty with the quickest service. When you purchase a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club 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 choose from.
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 per covered system or appliance.
Read more by visiting our The Home Service Club Review. To get a free quote from The Home Service Club, 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 offers the most trustworthy home warranty in Sioux City. 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. The 3 policies that Liberty has include differing levels of system and appliance coverage, as well as add-on options.
Liberty Home Guard has 3 plans that offer a combination of appliance and system coverage. The coverage caps associated with Liberty's plans are close to the $3,000 mark for most of the major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For more information on this provider, read our full review of Liberty Home Guard.
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
In Sioux City, ServicePlus Home Warranty offers the best home warranty for emergency service. ServicePlus has been on the market for about 6 years, making it a respected company in the industry. ServicePlus has established itself as a company with quick repairs with 24/7 customer support. It also has been expanding its coverage to more and more areas across the country. The 2 policies that ServicePlus offers include options for appliance and system coverage.
The 2 plans from ServicePlus Home Warranty are Gold Plan and Platinum Plan. The coverage limits from ServicePlus are about $1,500. The service fees are an affordable $75, which is cheaper than other providers in the Sioux City area.
Read more by visiting our ServicePlus Home Warranty full review. To get a free quote from ServicePlus Home Warranty, you can 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
First American Home Warranty offers the best home warranty for appliance coverage for Sioux City residents. First American has 2 plans for homeowners to choose from. With a home warranty from First American, you can benefit from 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. The coverage caps associated with First American's plans are close to the $1,500 mark for most of the major systems and appliances, and service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our First American Home Warranty full 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 in Sioux City. The 3 plans from Cinch are easy to understand and offer both system and appliance coverage. 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.
Cinch Home Services offers 3 plans for Sioux City homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are customizable and range from $75 to $150.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. To read more, visit our full 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 Sioux City
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having a home warranty in place can provide some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty service provider. 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 technician that will come to your home and repair the issue. 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 cost you will have to pay unless the repair cost is more than your home warranty's coverage cap.
A home warranty in Sioux City usually covers the main systems and appliances in the home. Typical appliances covered by a home warranty include a microwave, washer, garbage disposal, dryer, refrigerator, dishwasher, and more. The systems that are most commonly covered will be electrical systems, air conditioners, hot water heaters, heating systems, and plumbing systems. The add-on coverages can include pool, spa, septic system, roof leak, and sometimes even things like locksmith or pest control.
Sioux City homeowners should be aware that a home warranty plan will only cover repairs and replacements due to normal wear and tear. Home warranties do not cover things like natural disasters, pre-existing conditions, misuse of a system or appliance, or cosmetic issues. You have to keep up with preventative maintenance on your home systems and appliances to make sure that your next repair or replacement-related issue will be covered by the policy.
Sioux City's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, saving you from spending unexpected money out of pocket.
Another added benefit of having home warranty coverage is that it can increase your home's real estate value. If you ever decide to sell your house, 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 drawbacks. While it can give you less to worry about since the home warranty sends out a repair person who does the repair for you, some may not like this, and they would prefer to choose their own contractor. If that's the case for you, some home warranty companies let you choose a contractor. Also, 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 aid with some of a homeowner's maintenance worries, but in the end, it's up to you to decide if investing in one is a good choice for you and your family. Be sure to do your research and read through any home warranty policy that you're seriously considering getting to get a sense of what repairs will and will not be covered under your contract.
Hopefully, you now feel as though you can select the right home warranty for your Sioux City home. The best provider in Sioux City is Choice Home Warranty. Choice Home Warranty offers comprehensive coverage at an affordable cost.
Our pick for the best overall home warranty company in Sioux City is Choice Home Warranty but the perfect company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty is a service contract that covers the repairs and replacements of major home systems and appliances.
Home warranty policies 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 plan that protects the entire home from situations like natural disasters and fires. It doesn't cover normal appliance or system repairs.
A service fee is an expense that you pay 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 expense that homeowners are subject to with a home warranty in place apart from the policy's premium.