Best 7 Home Warranty Companies in Sioux City, IA

Are Home Warranties Worth It for Sioux City Residents?

Home warranties are worth it for Sioux City residents. Sioux City can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioning system can malfunction over time due to breakdowns from regular wear and tear.

Sioux City winters are very cold, which means having reliable heating is important. HVAC system replacement can cost from $2,500 to $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.

Even in Sioux City, over time rain can damage your roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trustworthy service providers.

When life is keeping you busy, you want to know that a reliable technician is handling your repairs. Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

Think about these important factors when selecting the right home warranty plan for you.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. You'll also pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans tend to be more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before selecting a plan.

Coverage

Most home warranties can be somewhat customized to your needs. Think about which appliances and systems you use often and want coverage for. If you only need coverage for select systems or appliances (such as your heating), you can often find plans to fit. The following is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Generally, home warranties don't cover preexisting conditions or improper installation. Most policies only cover normal wear and tear. Most also exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers will outline limitations and exclusions in their service contracts. Read your contract thoroughly to ensure you understand the terms and conditions of your plan.

Provider Reputation

Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews. Reading reviews can give you a sense of how companies handle customer service and claims. Check with the Iowa Consumer Protection Division to verify the status of a provider's state license.

Contractor Network

Take into account a home warranty company's service provider network. Make sure you ask your provider how and where it sources technicians. A reputable company should use licensed and registered contractors to handle service requests. If you can, use a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider choosing a home warranty provider that lets customers choose their technicians. You'll want the option to source your own providers if there are no in-network ones available in your area.