A home warranty can bring you the peace of mind you need about your home and guard your savings account from large expenses by covering your home's major systems and appliances.
With a relatively mild climate, Urbandale is a great place to own a home. However, homeownership doesn't always come easy, like maintaining your home's systems and appliances.
Because the home warranty market is saturated with a variety of providers — all with different offerings — the House Method team did the research for you to help you find the best home warranty in Urbandale.
The first step in protecting your house with a home warranty is determining which company's plan is right for you. Figure out which items in your home you'd like coverage for and compare the plans. Plans can vary, so take into consideration the following factors when picking a home warranty company:
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
In Urbandale, Choice Home Warranty is the best overall home warranty. The 2 home warranty plans that Choice has include options for appliance and system coverage. When you purchase a policy 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.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is lower than other providers in the Urbandale area.
Read our Choice Home Warranty Review to learn more. To receive 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
In Urbandale, Select Home Warranty is the most cost-effective home warranty. Select has 3 simple plans, making the selection process and policy coverage easily comprehensible. 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.
Select Home Warranty has 3 plans that offer a mix of appliance and system 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 Urbandale area.
Read our Select Home Warranty full review 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
In Urbandale, American Home Shield is the most customizable home warranty. AHS has 3 plans for homeowners to choose from. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a combination of system and appliance coverage. AHS has coverage caps of around $2,500 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 $125.
For more information on this provider, read our American Home Shield full review. To get 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 offers the best home warranty with the quickest service in Urbandale. 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 2 home warranty plans that HSC offers include options for appliance and system coverage.
The Home Service Club has 2 plans that provide a combination of system and appliance coverage. The coverage caps 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 Urbandale area.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our The Home Service Club full review.
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
In Urbandale, Liberty Home Guard offers the most trustworthy home warranty. When you buy a plan 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 quick and easy.
Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. The coverage caps associated with Liberty's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
For a more detailed breakdown, read our review of Liberty Home Guard. 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 Urbandale, First American Home Warranty is the best home warranty for appliance coverage. First American has over 38 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. 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 2 plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
First American Home Warranty offers 2 plans for Urbandale homeowners. The Basic Plan and Premier Plan are the options they have, which have a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500.
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 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 Urbandale, Cinch Home Services is 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 3 plans that Cinch has include options for appliance and system coverage.
Cinch Home Services has 3 plans that provide a combination of appliance and system coverage. Cinch's service fees are customizable and range from $75 to $150, and the coverage limits come out to around $1,000-$2,000 for each covered appliance or system.
Read more by visiting our detailed review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
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 Urbandale
A home warranty is a plan that can decrease the cost of on appliance and system repairs and replacements. Working appliances and home systems are what make living in a Urbandale home comfortable and convenient. When these things start to break down, it can be expensive and a pain. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When you have a problem with one of your appliances or systems, you can submit a claim with your home warranty provider. Then, a customer service representative will contact you about a repair technician coming over to take a look at the issue. Once you file the claim, it will be assigned to a local repair technician that will come to your home and look at the problem. At this point, you pay the service fee. Service fees usually range in price from around $60 to $150 and this is the only out-of-pocket cost you will need to pay unless the repair cost is higher than your home warranty's coverage limit.
Home warranties help protect both home systems and appliances. A home warranty can cover repairs and replacements that are due to normal wear and tear. The appliances usually covered under a home warranty include dishwasher, clothes dryer, garbage disposal, microwave, clothes washer, refrigerator, and more. The systems usually included are plumbing systems, electrical systems, ductwork, air conditioners, and hot water heaters. You can also opt to pay a bit extra for add-on coverage for items such as roof warranty, swimming pools, spas, and septic systems.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as lack of maintenance, misuse, cosmetic damages, and pre-existing conditions are not included in the home warranty policy.
Since temperatures in Urbandale can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances stops working suddenly.
As well as saving you money on out-of-pocket expenses, a home warranty can offer you peace of mind and save you the hassle of trying to find a qualified technician to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair problems you may experience.
One of the major drawbacks of home warranties is not everything you care about may be covered. It's important to compare the different plans and choose one that covers all the appliances, systems, and add-ons you need. In addition, 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 besides normal wear and tear — the home warranty may not cover it.
It can be difficult to budget for the unexpected expenses that can come with owning a home, but a home warranty can help you with that. Similar to any other warranty or insurance policy, there will always be advantages and disadvantages of getting one but its main purpose is to provide protection and peace of mind.
Hopefully, you now feel like you can select the best home warranty for your Urbandale home. All of these top home warranty companies have impressive histories and backgrounds and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. Choice Home Warranty provides home warranties with great coverage at an affordable price.
The top home warranty provider in Urbandale is Choice Home Warranty. Choice Home Warranty has a large network of experienced contractors and a respected reputation in the Urbandale area.
A home warranty covers the normal wear of home systems and appliances. A homeowners insurance plan protects your home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or dishwasher, unless the damage is due to a natural disaster.
Typically coverage for a home warranty policy begins 30 days on the day the sale closes. However, a few companies may allow you to make a service request before this, so verify with customer service to find the exact waiting period for your case.
A home warranty plan will cover repair and replacement costs for systems and appliances in a home. Home warranties only cover damage due to normal wear and tear and often don't cover pre-existing conditions.
A service fee is an expense that a homeowner must pay before a repair person or contractor comes to your home to fix your home warranty-related problem. Prices typically range between $60 and $150. Service fees are sometimes referred to as deductibles, and they should be the only out-of-pocket expense that homeowners have with a home warranty apart from the policy's premium.
