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Best Home Warranty Companies in Iowa (2022)

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.

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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.

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.

Iowa’s Top 3 Home Warranty Companies

The highest rated home warranty companies in Iowa include:


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 & Cons

✔ Is a veteran in the home warranty industry
✔ Provides a 30-day workmanship guarantee
✔ Provides optional coverage for electronics and guest units
✘ Not as many add-ons as competitors
✘ Items that are covered under a manufacturer’s warranty are not covered by American Home Shield

Plans & Pricing

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:

  • ShieldSilver: $34.99 per month
  • ShieldGold: $44.99 per month
  • ShieldPlatinum: $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.

Learn more: American Home Shield Review


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 & Cons

✔ Offers a 90-day repair guarantee
✔ Provides 24/7 customer service and most service requests are processed within the first 24 to 48 hours of receiving a claim
✔ No home inspection is required before coverage kicks in
✘ Only offers two plan options
✘ Can’t choose your own technician

Plans & Pricing

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.

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.

Here’s a pricing breakdown of Choice Home Warranty plans:

  • Basic Plan: $36.17 per month
  • Total Plan: $43.85 per month
To get a free quote from Choice Home Warranty, call 929-400-6165 or fill out this simple form.

Learn more: Choice Home Warranty Review


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.

Pros & Cons

✔ Unlimited repairs covered
✔ Provides discounts for multi-year plans
✔ Offers coverage on rental properties and condos
✘ Low coverage caps compared to other home warranty companies
✘ Has less than 10 years of home warranty experience

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.

The service call fee for Select Home Warranty is $75, which is low compared to industry standards.

Here’s the pricing breakdown for each Select plan:

  • Bronze Care: $35.83 per month
  • Gold Care: $35.83 per month
  • Platinum Care: $37.50 per month
To get a free quote from Select Home Warranty, call 888-370-3956 or fill out this form.

Learn more: Select Home Warranty Review


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. After scheduling an appointment with your contractor, they’ll come to your house to diagnose the issue and offer a repair or replacement.

Note: most companies don’t let customers choose their own service contractors.

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.


Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:

  • We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.

With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:

  • Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
  • Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
  • Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
  • Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the Better Business Bureau (BBB).
  • State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
  • Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
  • Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.

In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.


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