Looking for the best home warranty in Iowa?
Perfect, you’re in the right spot. In this guide, you’ll learn:
- What are the most important things to think about when purchasing home warranty coverage in Iowa?
- How much will coverage cost you as a resident of Iowa?
- What types of home warranty plans are available for Iowans?
- Is a home warranty worth it for your Iowa home?
- And much more!
After 100+ tests and 68+ companies reviewed, we’ve listed our top 7 home warranty picks for Iowa below. Continue reading!
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The Hawkeye State is a great place to own a home, but even the best-maintained houses will need regular repairs. Over time, all those major repairs on your home appliances and systems can certainly quickly add up, leaving you with a hefty bill to pay for out of pocket.
Thankfully, there is a way to protect yourself from costly home repair bills. The answer? A home warranty.
With so many great home warranty service providers out there, it can be challenging to know which company can offer the best in home protection.
We understand how complicated the process of selecting a home protection plan can be. So, after reviewing over 68 home warranty companies, we've created this ultimate guide to the best warranty plans on the market today for Iowa residents. Read on to learn more!
Top 7 Best Home Warranty Companies in Iowa
Who Needs A Home Warranty in Iowa?
Not convinced that you need a home warranty? Well, it turns out that many Iowans can benefit from having a protection plan from one a top home warranty provider. Here are some of the many people that could gain from a quality warranty plan:
Best Home Warranty in Iowa?
Choice Home Warranty is our #1 pick for Iowa. Why? The Total Plan is a solid choice for Iowa homeowners because it covers heating, air conditioning, electrical, plumbing, and all of your major appliances for an affordable annual premium.
Iowa has one of the highest homeownership rates in the United States, with over 71% of Iowans owning and occupying their own home. However, while owning your own home is both a great investment and a source of pride for many Iowans, homeownership not a cheap endeavor.
Top 5 Best Home Warranty Companies In Iowa
|Iowa Company Name||Premium Per Month||Deductible|
|Choice Home Warranty||From $36.17 to $43.85||$85 flat rate|
|American Home Shield||From $49.99 to $59.99||From $75-$125|
|Select Home Warranty||From $35.83 to $37.50||$75 flat rate|
|First American Home Warranty||From $28 to $42.50||From $75-$100|
|Cinch Home Services||From $35 to $50||From $100-$150|
That's where a home warranty comes into the picture. Warranty plans can help protect some of your house's most essential appliances and home systems. Over time, a warranty protection plan can save you thousands in repair costs, keeping more money in your pocket.
If you're looking to buy your first home in Iowa, purchasing a home that already has a warranty plan is a great choice. Home warranties for home buyers can give you the peace of mind you need to know that you won't get saddled with major repair bills if something malfunctions after closing.
Homesellers/Real Estate Agents
Realtors agents often recommend that their clients have a warranty plan on their home because it can help them net a better selling price. This is because buyers like to know that they'll be covered if any issues arise in the house after closing.
So, a warranty can help you sell your home faster and can help you get more for your investment.
Being a landlord is hard work because you need to stay on top of repairs in your rental properties. Having a warranty plan for landlords can help you maintain your rental home. Plus, the simplified repair service you get with a home warranty plan can lead to happier renters in the long-term.
What Should You Think About When Purchasing A Home Warranty In Iowa?
If you're going to purchase a new home warranty plan, you want to know that it's right for your needs. These are some of the most important things to consider when choosing an Iowa home warranty:
Iowa can have some pretty variable weather with hot and humid summers and teeth-chattering cold winters. This means that you likely rely on both air conditioners and heating systems at various times of the year to keep your home livable and comfortable, so you'll want to look for a plan that provides coverage for both these systems.
Additionally, these big fluctuations in temperatures can wreak havoc on your home's plumbing system, roof, septic system, and more, so finding a plan that offers good coverage for these systems is essential.
Where you live in Iowa also impacts the kind of coverage you should get. For example, the southern and eastern portions of Iowa get a whole lot of rainfall, so if your home is located in these regions, sump pump coverage is a must. That way, you can protect your home from flooding and all of the damage that it causes.
What Will A Home Warranty Cost A Resident Of Iowa?
Most Iowa residents should expect to pay between $300-$600 a year for home warranty coverage. However, the precise amount that you'll pay will depend on your home's size and what's included in your policy.
What Types Of Plans Are Available For You In Iowa?
In Iowa, you have the choice between three standard home warranty plans:
- Appliances Plan. These plans cover your home's major appliances, such as your cooktop, central vacuum, trash compactor, dishwasher, clothes washers, water heater, garbage disposal, garage door opener, and clothes dryers.
- Systems Plan. A systems plan will protect the most essential aspects of your home's systems, such as your electrical system, HVAC, ductwork, plumbing, and plumbing stoppages.
- Combo Plan. Combo plans offer protection for your home's systems and appliances, so they're best for homeowners that want to maximize their coverage.
Additionally, some warranty companies offer "build your own plans" for homeowners who want to customize their protection plans. The best home warranty companies also have a good list of optional add-ons for protecting your pool, spa, well pump, septic system, and more.
Is A Home Warranty Worth It In Iowa?
A home warranty plan is certainly worth it for Iowans. Here's why:
Protects You From Major Repair Bills
Owning a home means you're responsible for repairing and maintaining all of its appliances and systems. These repair bills can be expensive, especially for things like your heating and air conditioning system, which can cost upwards of $7,000 to replace and $400-$700 to repair.
While $300-$600 for an annual premium isn't necessarily cheap, it's certainly more affordable than replacement costs for a major system or appliance.
Covers What Homeowners Insurance Won't
You almost certainly have homeowners insurance to protect your house if it gets damaged in a flood, fire, tornado, or another natural disaster.
But, your home insurance won't cover you when appliances like a washing machine break due to normal wear and tear. On the other hand, a home warranty is designed for this very purpose and will cover you when systems and appliances break from regular use.
Simplified Repair Service
When you have a warranty plan, you don't need to worry about finding a service contractor when your heating breaks in the middle of the winter. Instead, you simply need to submit a service request and your warranty provider will send a repair specialist right to your home.
What Are The Home Warranty Regulations In Iowa?
All home warranty companies that offer home services in Iowa need to be licensed by the Iowa Insurance Division. They must comply with all the requirements listed in Iowa Code chapter 523C and with Iowa Administrative Code Chapter 191-103, which are regulations put into place to help protect homeowners and ensure that they get quality service from their warranty companies.
How To Choose Coverage In Iowa (Is It Unique)?
Choosing home warranty coverage in Iowa involves the same steps that you'd use to select a warranty plan in any state. Here's how it works:
Step 1: Decide On Your Coverage
The first step in getting a home warranty is knowing what kind of coverage you want. It's a good idea to make a list of the most important features of your house and prioritize what you want to protect.
You can then start to look at different plans and compare them based on the relevancy of their coverage for your needs.
Step 2: Sign Your Contract & Wait For The Grace Period
As soon as you find the right plan for your home, you can sign your service contract. Once your contract is signed, you'll generally have to wait for a short grace period to end (usually 20-30 days) before submitting your first claim.
Step 3: Submit A Claim
Should something malfunction in your home after your grace period ends, you can submit your first service request. You'll simply need to call your provider's service center or submit an online request so they can send someone to your home.
You'll also have to pay a service fee (usually $60-$125) per service call to cover the cost of sending a contractor to your home.
Curious how a service call fee works? Check out this educational video from Choice Home Warranty.
Step 4: Get Great Repair Service
Once your service request is submitted, you can sit back and relax as a qualified repair technician comes to your home to assess, diagnose, and repair any damage to your covered systems and appliances. It's as easy as that.
Top Home Warranties For Iowa Reviewed
We understand that finding the right warranty plan can be tricky, so we've put together this list of 5 home warranty reviews for Iowa homeowners to help you select the best policy for your needs.
#1 Choice Home Warranty
Choice Home Warranty is one of our top choices for Iowa residents because their plans offer comprehensive yet affordable coverage for your home's major systems and appliances.
In particular, the company's Total Plan is a solid choice for Iowa homeowners because it covers heating, air conditioning, electrical, plumbing, and all of your major appliances for an affordable annual premium.
Choice Home Warranty also has low service call fees and they won't deny you coverage just because you own an older home.
- Affordable service call fees and annual premiums
- Won't deny coverage for older homes
- Comprehensive coverage for systems and appliances
- No option to build your own plan
#2 American Home Shield
American Home Shield is a popular choice for Iowa home protection because they offer three great standard plans with great coverage options. With American Home Shield, you can choose between their standard Appliances Plan, Systems Plan, or Combo Plan to protect your home.
They also offer the option to build your own plan for Iowans that want more flexible coverage. Plus, they allow you to choose your own service call fee so you can decide to pay a larger upfront premium for savings down the line.
- Three great standard plan options with good coverage
- Option to build your own plan
- Can choose your own service fee
- Premium rates are a bit higher than average
#3 Select Home Warranty
Select Home Warranty has three different plan options for Iowa homeowners. You can choose between a Bronze Care Plan for appliances, a Gold Care Plan for systems, and a Platinum Care Plan combo plan for your home.
Select Home Warranty is a popular choice for Iowa residents because they offer a great list of optional add-ons to help you customize your coverage. They're also one of the few companies on the market today that offer roof leakage protection at no extra cost.
Plus, Select Home Warranty has a low service call fee and they allow you to choose your own repair technician so you can get home service from a contractor you trust.
- Low service fall fee
- Option to choose your own service contractor
- Great list of add-ons for customized coverage
#4 First American Home Warranty
First American Home Warranty offers cost-effective coverage for Iowans. They have two combo plan options - a Basic Plan and a Premier Plan - that have some of the most affordable annual premiums on the market.
The company's plans are popular because they offer up to $3,500 to cover the cost of repairing your home's appliances and systems. They also have low service call fees to help you save money.
Additionally, First American Home Warranty has a great list of coverage upgrade options for buyers and sellers should you ever decide to sell your home.
- Cost-effective plan options that have low premiums and service fees
- Coverage upgrades available for home sellers
- High maximum repair limits
- Air conditioning coverage is an add-on only
#5 Cinch Home Services
Cinch Home Services has been in the business for more than 40 years. So, Cinch customers have the benefit of working with a large company that has experience handling many different claim types effectively.
With Cinch, you can select coverage for your appliances or home systems or cover both with a combo plan. Plans start at $34.99 per month, and service fees are $100 per visit.
- Cancellation fees are affordable.
- Homeowners report success with having necessary items replaced.
- Repairs are guaranteed for 180 days.
- Some customers have reported disputes over fees.
- It may take longer for service calls.
- Cinch will only pay out a total of $10,000 for all repairs per contract term.
Final Thoughts On Home Warranties In Iowa State
A home warranty is a must for an Iowa homeowner that wants to protect themselves from major repair bills. With a home warranty plan, you can get simplified repair service for any appliance or systems malfunctions in your house and have the peace of mind you need to know that you're covered if something breaks.