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 5 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 and 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 and 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


Liberty Home Guard

Liberty Home Guard (LHG) is a great choice for Iowa homeowners who want the convenience of customer-service live chat and the ability to customize their coverage with a suite of compelling add-ons. 

Pros and Cons

✔ Allows you to contact customer support through live chat on its website
✔ Provides a 60-day workmanship guarantee on all repairs
✔ Offers customizable coverage with up to 38 add-ons, including additional appliances, water softeners, and generators

✘ Limits electrical and plumbing coverage to $500
✘ Isn’t transparent about your service call fee during quote process

Plans and Pricing

Liberty Home Guard offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. As the names suggest, the Appliance and Systems Guard plans cover major appliances and home systems, respectively. These major appliances include your dishwasher, cooktop, and laundry machines. Systems Guard covers items such as your heating, cooling, ductwork, electrical, plumbing, and water heaters. Total Home Guard bundles the covered items of the two separate plans.

Liberty Home Guard also covers a large suite of add-on options, such as additional spa, carpet cleaning, casita guest unit, central vacuum, ejector pump, electronics protection, freestanding ice maker, generator, grinder pump, gutter cleaning, and in-fridge ice makers.

LHG charges a service call fee between $65 and $125 each time you file a claim. According to a company representative, this fee is assigned to your account based on your plan, add-ons, and location. 

Here’s a pricing breakdown of Liberty Home Guard plans:

  • Appliance Guard: $69.99 per month
  • Systems Guard: $74.99 per month
  • Total Home Guard: $79.99 per month

To request a free quote, call 866-452-9107 or use Liberty Home Guard’s simple online tool

Learn more: Liberty Home Guard 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 and 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

Plans and Pricing

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


First American Home Warranty

First American Home Warranty is one of the more affordable options for Iowa homeowners who want to protect their home’s appliances. For less than $40 per month, homeowners can cover appliances up to $3,500 per item.

Pros and Cons

✔ Prices plans for less than $50 per month
✔ Covers appliances up to $3,500 per item
✔ Offers a First Class Upgrade, which covers additional costs such as cranes and debris removal

✘ Doesn’t cover air conditioning without add-on purchase
✘ Doesn’t offer roof-leak coverage

Plans and Pricing

First American Home Warranty offers two plan options: the Basic Plan and the Premier Plan. The Basic Plan covers household appliances, such as your clothes washer, clothes dryer, and garbage disposal. The Premier Plan covers all the items in the Basic Plan, plus several essential home systems, such as your heating and ductwork.

First American Home Warranty also offers a few add-on options, including additional refrigeration, central air conditioning, First Class Upgrade, HVAC tune-up, pool, septic tank pumping and system, spa, and well pump.

First American Home Warranty has a flat rate service call fee of $85 per claim. 

Here’s a pricing breakdown of First American Home Warranty’s plans:

  • Basic Plan: $36 per month
  • Premier Plan: $46.50 per month

To request a customized quote, call 800-891-9778 or fill out First American Home Warranty’s form

Learn more: First American Home Warranty Review


America’s First Choice Home Club

America’s First Choice Home Club (AFC Home Club) is worth considering due to its plan variety and flexible service call fee model. While it’s typical for home warranty companies to offer two or three plan options, AFC Home Club offers four. You can also customize your pricing by choosing a $75, $100, or $125 service call fee. 

Pros and Cons

✔ Provides a plan-length workmanship guarantee for all repairs and replacements
✔ Allows you to choose your own contractor
✔ Offers security benefits, such as discounts on security systems and access to an emergency alert network

✘ Charges a $75 cancellation fee after first 30 days
✘ Prorates coverage based on the value of the item (company uses its own formula)

Plans and Pricing

AFC Home Club offers four plan options. The Silver Plan covers appliances, including your dishwasher, garage door opener, and garbage disposal. The Systems Plan covers home systems, including your heating, air conditioning, and plumbing. The Gold Plan combines the coverage of the two earlier plans. The Platinum Plan covers all the items in the Gold Plan, plus plumbing stoppages, faucets, ice makers, built-in microwave, attic fans, ceiling fans, and exhaust fans.

AFC Home Club offers several add-on options, including your built-in microwave, central vacuum, double oven, electronic coverage, hot water dispenser, ice maker, in-ground pool, septic system, stand-alone freezer, sump pump, tankless water heater, and well pump.

AFC Home Club has a flexible service call fee model, which means you can choose a service call fee and have that reflected in your monthly pricing. Higher service call fees will result in lower monthly rates; the reverse is also true. You can choose a $75, $100, or $125 service call fee. 

You can review AFC Home Club’s monthly pricing below:

  • Silver Plan: $31–$36 per month
  • Systems Plan: $38.25–$42.75  per month
  • Gold Plan: $45.50–$49.50 per month
  • Platinum Plan: $49.50–$54 per month

To request a free quote, call 877-755-1115 or fill out AFC Home Club’s online form

Learn more: AFC Home Club Review


Our Conclusion

We recommend American Home Shield for Iowa homeowners due to its generous coverage caps and comprehensive plan options. We recommend Liberty Home Guard for customers who want an unbeatable list of unique add-on options and responsive customer service. Select Home Warranty and First American Home Warranty are excellent choices for budget-conscious homeowners. AFC Home Club provides peace of mind with its plan-length workmanship guarantee. 

We recommend getting a quote from at least three companies so you can compare coverage options and choose the company that best suits your home protection needs and budget.


Frequently Asked Questions


Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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