clock menu more-arrow no yes

Best Home Warranty Companies in Iowa

A home warranty can save you hundreds of dollars on expensive repair and replacement costs for systems and appliances that have broken down. If you’re looking for home warranty coverage in Iowa, keep reading for our top recommendations and tips for choosing the best home protection plan.

Home Exterior iStock

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:

  1. American Home Shield (AHS): Best Overall
  2. Choice Home Warranty: Best Service
  3. 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

Pros Cons
Pros Cons
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

ShieldSilver ShieldGold ShieldPlatinum
ShieldSilver ShieldGold ShieldPlatinum
$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.

For a free American Home Shield quote, call 888-751-6014 or fill out this online form.

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

Pros Cons
Pros Cons
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.

To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this simple form.

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

Pros Cons
Pros Cons
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.

To get a free quote from Select Home Warranty, call 888-370-3956 or fill out this form.

Our Conclusion

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.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.