When a home system or appliance breaks, it can be a hassle trying to get it fixed. An Iowa home warranty will provide coverage for major systems and appliances that break down due to everyday wear and tear. This type of plan protects your budget, gives you peace of mind, and ensures that the repair and replacement process is hassle-free.
Iowa’s Top 3 Home Warranty Companies
The highest rated home warranty companies in Iowa include:
- American Home Shield (AHS): Best Overall
- Choice Home Warranty: Best Service
- Select Home Warranty: Lowest Deductible
The This Old House Reviews Team reviewed the best home warranty companies in Iowa. Read on for more detail the best home warranty companies in the state.
1. American Home Shield
American Home Shield is a leading provider in the home warranty industry and has served more than 1.8 million customers since 1971. The company is accredited with the Better Business Bureau (BBB) and has earned a solid B rating.
Pros and Cons of American Home Shield
|Is a veteran in the home warranty industry||Items that are covered under a manufacturer’s warranty are not covered by American Home Shield|
|Provides a 30-day workmanship guarantee||Not as many add-ons as competitors|
|Provides optional coverage for electronics and guest units|
American Home Shield offers the ShieldSilver™, ShieldGold™ and ShieldPlatinum™ plans. The ShieldSilver covers home systems only. The ShieldGold covers all of the ShieldSilver and adds coverage for nine kitchen and laundry appliances, bringing the total amount of items covered to 23. The ShieldPlatinum plan adds roof leak coverage, increases coverage caps, and entitles the homeowner to one free HVAC tune-up during the warranty term.
Here’s a monthly pricing breakdown of AHS’s plans with a $100 service fee:
Pricing of American Home Shield
|$34.99 per month||$44.99 per month||$59.99 per month|
In addition to a monthly premium, customers will have to pay a service fee of either $75, $100, or $125. The higher the fee, the lower your monthly premium, so consider what works best for your home and budget needs.
2. Choice Home Warranty
Choice Home Warranty has serviced 2.5 million requests and has a network of 15,000 local technicians to help with repairs. Though customers only have two coverage plans to choose from, Choice provides numerous add-on options to customize coverage.
Pros and Cons of Choice Home Warranty
|Offers a 90-day repair guarantee||All states covered except California and Washington|
|Provides 24/7 customer service and most service requests are processed within the first 24 to 48 hours of receiving a claim||Can’t choose your own technician|
|No home inspection is required before coverage kicks in|
A great option for Iowa homeowners with older appliances and systems, Choice Home Warranty plans can be purchased at any time, regardless of age. As long as your appliances and systems have been properly installed and maintained and don’t have pre-existing conditions, they will be covered under a CHW plan.
Choice Home Warranty offers two plans: a Basic Plan and a Total Plan. The Basic Plan covers important items like your heating, plumbing, dishwasher, and ductwork. The Total Plan provides more comprehensive coverage and includes everything in the Basic Plan, plus air conditioning, a refrigerator with an ice maker, clothes washers, and clothes dryers.
Choice also provides optional coverage for items like a sump pump, septic system, pool, spa, and roof leaks. Not all home warranties in Iowa cover roof leaks or septic systems, so this is a benefit.
Here’s a pricing breakdown of Choice Home Warranty plans:
Pricing of Choice Home Warranty
|Basic Plan||Total Plan|
|Basic Plan||Total Plan|
|$36.17 per month||$43.85 per month|
CHW also charges a $60–$85 service fee every time a customer makes a claim. A higher service fee will result in a lower monthly premium, and vice versa.
3. Select Home Warranty
Select Home Warranty is one of the most affordable home warranties in the industry. If you’re looking for a budget-friendly plan and whole-home coverage, but don’t want to spend too much, consider signing up for a Select plan.
There are many pros and cons to choosing Select Home Warranty. Before you decide if this home warranty provider is right for you, consider the following:
Pros and Cons of Select Home Warranty
|Unlimited repairs covered||Low coverage caps compared to other home warranty companies|
|Provides discounts for multi-year plans||Has less than 10 years of home warranty experience|
|Offers coverage on rental properties and condos||Does not service Nevada, Washington, Wisconsin, and New York|
With three plans to choose from, you get the option of covering your appliances and systems for a reasonable price. The Gold Care plan covers major home systems like your water heater, heating system, and plumbing, the Bronze Care plan covers home appliances, and the Platinum Care plan covers systems and appliances for the best value.
Here’s the pricing breakdown for each Select plan:
Pricing of Select Home Warranty
|Bronze Care||Gold Care||Platinum Care|
|Bronze Care||Gold Care||Platinum Care|
|$35.83 per month||$35.83 per month||$37.50 per month|
The service call fee for Select Home Warranty is $75, which is low compared to industry standards.
American Home Shield, Choice Home Warranty, and Select Home Warranty are three of the best providers in Iowa. We recommend getting a quote from all three companies so you can compare coverage options and choose the company that best suits your home protection needs and budget.
Frequently Asked Questions about Iowa Home Warranties
Regardless of which provider you choose, home warranty plans offer peace of mind, protection on major systems and appliances, and hassle-free repairs. If you still have questions about Iowa home warranties, take a look at some of the most frequently asked questions and answers about home warranties below.
Are home warranties worth it?
Systems and appliances don’t last a lifetime and will eventually break down or fail. A home warranty can help protect you from the high costs associated with repairing and replacing these systems and appliances and get your broken item back to working quickly.
Will home warranty companies replace HVAC systems?
Yes, most home warranty providers will replace parts of your HVAC system, if not the whole system. Read the terms and conditions of your sample contract to understand what’s exactly covered in your plan.
How does an Iowa home warranty work?
If a covered item breaks down, submit a claim with your home warranty company, either online or over the phone. Once your claim is approved, your company will assign a contractor to your case. Note: most companies don’t let customers choose their own service contractors. After scheduling an appointment with your contractor, they’ll come to your house to diagnose the issue and offer a repair or replacement.
Do home warranties cover pre-existing conditions?
Typically, pre-existing conditions aren’t usually covered under a home warranty. Most home warranty providers will only cover items that have been properly installed and maintained.
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