When a home system or appliance breaks, it can be a hassle to get it fixed. An Iowa home warranty will provide coverage for major systems and appliances that break down due to normal 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 the United States. Read on for more details about our top providers in the state.

Iowa’s Top 5 Home Warranty Companies

The highest-rated Iowa home warranty companies include the following:


 

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. LHG also provides solid coverage caps per covered item and discounts for select new appliance purchases.

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

Lacks transparency with service call fee pricing options
✘ Doesn’t allow you to choose your own service provider

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. Covered systems include covers heating, cooling, ductwork, electrical, plumbing, and water heaters. The Total Home Guard bundles the covered items of the Appliance Guard and Systems Guard.

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. It assigns your service call fee based on your plan, add-ons, and location. 

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

  • Appliance Guard: $49.99 per month
  • Systems Guard: $54.99 per month
  • Total Home Guard: $59.99 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


 

American Home Shield

American Home Shield is a reputable provider in the home warranty industry and has served more than 1.8 million customers since 1971. The company provides generous home system and appliance limits, flexible protection plans, and coverage for rust, corrosion, and sediment damage.

Pros and Cons

✔ Includes coverage for items with preexisting conditions
Doesn’t exclude coverage for commercial-grade appliances
✔ Provides optional coverage for electronics and guest units

✘ Limits add-on coverage options
✘ Requires claims to be filed as soon as discovered

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 covered items to 23. The ShieldPlatinum plan adds roof leak coverage, increases coverage caps, and provides one free HVAC tune-up during the warranty term.

In addition to a monthly premium, customers will have to pay a service fee of either $100 or $125. The higher the fee, the lower your monthly premium, so consider what works best for your home and budget needs.

Here’s a monthly pricing breakdown of AHS’s plans with a $100 service fee:

  • ShieldSilver: $44.99 per month
  • ShieldGold: $64.99 per month
  • ShieldPlatinum: $79.99 per month
For a free American Home Shield quote, call 888-751-6014 or fill out this online form.

Learn more: American Home Shield 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


 

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

✔ Includes generous HVAC coverage limits
✔ Provides discounts for multi-year plans
✔ Offers coverage on rental properties and condos

✘ Low coverage caps compared to other home warranty companies
✘ Excludes coverage for unknown, preexisting conditions

Plans and Pricing

Select offers three plans to choose from: Bronze Care, Gold Care, and Platinum Care. The Bronze Care plan covers home appliances, the Gold Care plan covers major home systems like your water heater, heating system, and plumbing, 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: $44.43 per month
  • Gold Care: $44.43 per month
  • Platinum Care: $47.75 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


 

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 Liberty Home Guard for customers who want an unbeatable list of unique add-on options and responsive customer service. American Home Shield and First American Home Warranty offer generous coverage caps and comprehensive plan options. Select Home Warranty is an excellent choice 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 backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.  

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