When one of your systems or appliances breaks down, a home warranty will step in to help you cover the costs. A home warranty plan can give homeowners the peace of mind they need to feel less overwhelmed by homeownership.
Although homeownership in Storm Lake has many advantages, such as being surrounded by nature, there are also downsides, similar to owning a house anywhere else. One major problem many homeowners have to deal with at some point is replacing or repairing their appliances and home systems.
Since the home warranty market is filled with a variety of providers — all with different offerings — our team at House Method decided to do the research for you to help you find the right home warranty in Storm Lake.
Determining the right provider for your home warranty is the first step toward protecting your house. When considering which home warranty provider is the best fit for you, here are some important 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 for Storm Lake residents. Choice has been on the market for around 14 years, making it a well-respected company in the industry. The home warranty provider offers 2 plans to policyholders with various options for appliance and system coverage. 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.
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 with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our 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
Select Home Warranty offers the most cost-effective home warranty in Storm Lake. Select has 3 plans for you to choose from. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Storm Lake area.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our Select Home Warranty full review.
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 Storm Lake, American Home Shield is the most customizable home warranty. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
Read our review of American Home Shield to learn more. 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
The Home Service Club is the best home warranty with the quickest service for Storm Lake residents. The home warranty company offers 2 plans to policyholders that have 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.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Storm Lake area.
To read more, visit our full review of The Home Service Club. To receive 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 is the most trustworthy home warranty for Storm Lake residents. Liberty has been in business for around 5 years, making it a highly regarded company in the industry. Liberty has 3 plans for homeowners to choose from. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Storm Lake area.
To read more, visit our Liberty Home Guard Review. To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
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 Storm Lake, First American Home Warranty is the best home warranty for appliance coverage. First American has been in the home warranty industry for around 38 years. The 2 plans from First American are comprehensive and offer a mix of both system and appliance coverage. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 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 generally around $1,500 at the maximum.
To receive a free quote from First American Home Warranty, you can 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
In Storm Lake, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
Cinch Home Services has 3 plans that offer a combination of appliance and system 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 company. 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 give them a call at 877-589-0505. Read our comprehensive review of Cinch Home Services to learn more.
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 Storm Lake
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having one in place can give you some peace of mind and guard your bank account from unexpected out-of-pocket costs. Most home warranty plans start about 30 days after paying for the home warranty plan.
When you have an issue with one of your appliances or systems, you can file a claim with your home warranty company. Then, a customer service representative will reach out to you about a repair technician coming over to take a look at the problem. The claim is then processed, and a homeowner will pay a service fee to schedule the repair . This repair will generally occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees range between $60 and $150.
A home warranty offers coverage on your home's major appliances and systems and it can help cut back on the cost of maintenance on your home. Typical appliances covered under a home warranty include a garbage disposal, microwave, dryer, refrigerator, washer, dishwasher, and more. The systems that are most commonly covered will be air conditioners, electrical systems, hot water heaters, plumbing systems, and heating systems. The add-on coverages can include pool, septic system, roof leak, spa, and sometimes even things like locksmith or pest control.
Storm Lake homeowners should understand that a home warranty plan will only cover repairs and replacements that arise from normal wear and tear. Home warranties do not cover things like pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. You have to keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered by the policy.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Storm Lake reaching upward of 57 degrees in the summer, you may find that some appliances, like your air conditioning unit, get a lot of use. A home warranty can significantly lower your out-of-pocket expenses should your HVAC system break down.
Another added benefit of having a home warranty policy is that it can increase your home's real estate value. If you ever decide to sell your home, 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.
As for the downsides of home warranties, system and appliance coverage varies by provider so it's important to understand what each policy covers and doesn't include in the contract. Another potential pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your claims being rejected, so it's important to be sure you follow the manufacturer's guidelines for maintenance of your home systems and appliances.
It can be challenging to budget for the unexpected expenses that can come with homeownership, but a home warranty can help with that. Like any other warranty or insurance policy, there will always be pros and cons of buying one but its main purpose is to offer you protection and peace of mind.
A home warranty in Storm Lake can save you thousands of dollars and give you peace of mind when it comes to expensive home repairs and replacements. When it comes to home warranty company choices in Storm Lake, the best overall is Choice Home Warranty. Choice Home Warranty provides home warranties with great coverage at an affordable price.
The top home warranty provider in Storm Lake is Choice Home Warranty. Choice Home Warranty has an expansive network of professional service technicians and a tremendous reputation in the Storm Lake area.
A home warranty is a contract that covers the repairs and replacements of major home system components and appliances.
A home warranty policy can help homebuyers, home sellers, real estate agents, homeowners, and investors. It can offer peace of mind to anyone that is involved with homeownership.
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.
Owning a home can be costly. When a system or appliance breaks down, it can leave homeowners unexpectedly having to come up with the money to fix it. With a home warranty in place, you will not have any large hits to your savings account for home maintenance.
