Best Home Warranty Companies in Iowa (2023 Review)

Compare Iowa Home Warranty Providers

Iowa Home Warranty Costs 

Iowa Home Warranty Companies Reviews

At Review Home Warranties, we have the unenviable task of reviewing more than 50 home warranty companies in Iowa. But of course, we know that as a consumer, you only want the best companies to choose from.

Therefore, we trimmed down our list by evaluating factors such as coverage options, limitations, available services, service fees, customer service, cost, and more. Below are the top 7 best home warranty companies in the state of Iowa.

Compare the Best Home Warranty Companies in Iowa

1. Best Overall: Choice Home Warranty

Reviewing home warranties is a grueling process but ultimately, Choice Home Warranty came out on top as the best home warranty company in Iowa.

Choice Home Warranty (CHW) offers extensive coverage across two clear-cut and affordable plans. Most households will get the most bang for their buck with the Basic Plan that covers electrical systems, water heaters, dishwashers, and more.

If you want more complete coverage, the Total Plan adds protection to your AC system, clothes washer/dryer, and refrigerator. Optional add-ons are also available to include coverage for items like pool/spa, well pump, sump pump, standalone freezer, and more. Many of their add-ons are not found in other companies which is a huge plus.

Choice is a top-tier home warranty company in Iowa if you want comprehensive coverage without breaking the bank.

Plans and Pricing

Unlike most companies, Choice Home Warranty only offers two warranty service plans. Both plans are fairly comprehensive with available add-ons to bolster your coverage. For complete protection and peace of mind, it makes more sense to get the Total Plan.

Customers can pay for the full annual cost of the coverage and Choice will provide an extra month of coverage for free.

Coverage

Due to the robust coverage, Choice Home Warranty is a warranty one-stop shop for most households in Iowa. Some of the most popular coverage options for Iowa homeowners are:

• AC system
• Heating system
• Water heater
• Refrigerator
• Washer/Dryer
• Plumbing system
• Ductwork

Since Iowa sees quite a bit of rain, the limited roof leak coverage can be a good addition to your plan. Iowans living in rural counties can take advantage of the optional coverage for well pumps, sump pumps, and septic systems.

What Customers are Saying:

“Daniel contacted me and was able to assist me easily and made the experience amazing! Kudos to Daniel C he sold me with his pleasant supportive manner. I was very frustrated with the competitor I am cancelling and Daniel helped completely improve my mood. He won my business.” (Source)

2. Most Customizable: American Home Shield

If you want a home warranty company with a solid track record, we recommend American Home Shield as they have been in business for more than five decades.

By far, American Home Shield is the most transparent home warranty company we’ve reviewed. Just by looking at their website, you can clearly see the available plans, covered items, plan pricing, and coverage exclusions. In other words, American Home Shield isn’t a company that will waste your time and you know exactly what you’re getting (or not) with each plan.

Also, American Home Shield knows that everyone’s needs are different so they don’t apply the same one-size-fits-all approach to their plans. Therefore, you’re free to create a custom plan that includes coverage for items you actually need. This also means that you’re paying exactly for home warranty coverage that best fits your needs.

Plans and Pricing

American Home Shield offers three flexible plans that cover some of the most critical systems and appliances in your home. All the plans provide coverage for home systems but only two cover both systems and appliances. Remember, American Home Shield lets you customize their plans to fit your specific needs. Also, they let you choose your service fee but your choice will impact your overall monthly payments.

Coverage

American Home Shield provides extensive coverage across three plans. If you mostly want to cover essential home systems, the basic Silver plan should be more than enough for most Iowa homeowners. Coverage caps are also high compared to competitors. Below are some of the most popular coverage options for Iowa homeowners:

• AC unit
• Heating unit
• Ductwork
• Interior plumbing lines
• Interior electrical lines
• Water heater
• Toilet

Homeowners who want coverage for major appliances such as refrigerators, ovens, dishwashers/dryers, and garbage disposal should consider bumping their plan to Gold or Platinum. American Home Shield also offers coverage add-ons for items like pool and spa, well pump, sump pump, and septic pump.

What Customers are Saying:

“When I had a stopped up drain, the warranty gave me someone to call and I had someone out within a couple hours. The repair people did it fast too. I have no complaints.” (Source)

3. Most Affordable: Select Home Warranty

Check out what Select Home Warranty has to offer if you’re looking for budget-friendly coverage.

Many homeowners are apprehensive when it comes to home warranties due to the added expenditure. If you’re living in the more affordable areas of Iowa such as Charles City, Creston, Boone, etc., Select might just be the warranty provider for you.

As our team’s budget-friendly pick for this guide, Select Home Warranty’s coverage options aren’t as robust as the competitors. However, they also have lower service fees and offer significant discounts and free months if you sign a multi-year contract.

Overall, Select is a great option for Iowa homeowners looking for budget-friendly warranty coverage.

Plans and Pricing

Select Home Warranty offers three-tiered plans: Bronze, Gold, and Platinum. Looking at the price for each plan, you’ll notice that the difference is only a few dollars between pans. Thus, the Platinum Plan provides an excellent value proposition due to more comprehensive coverage for a few bucks more. Service fees are also lower compared to other home warranty companies.

Coverage

The Bronze Care plan only covers appliances including refrigerator, washer/dryer, cooktops/ovens, and garbage disposal. Meanwhile, the Gold Care plan exclusively covers major systems such as cooling/heating systems, ductwork, electrical, plumbing, and water heater. Platinum Care is the best of both worlds because it covers both appliances and systems including.

Optional add-ons are also available for certain items like stand-alone freezer, pool and spa equipment, plumbing fixture, lighting fixture, well pump, sump pump, and more.

What Customers are Saying:

“Shawn the customer service representative who I spoke with told me about all the options in a non pushy way, we made a decision and that was right for us. It was a great buying experience. Hopefully nothing goes wrong but if it does and the maintenance service is anything like the customer service will be set.” (Source)

4. Best Reviewed: Liberty Home Guard

Liberty Home Guard has the distinction as the “Most Trusted” home warranty provider based on our team’s research.

With an A rating and 4.63/5 score from the Better Business Bureau, Liberty Home Guard is the best-reviewed company despite being a new business. With its low service fees, reasonable pricing, and top-notch customer service, it’s not hard to see why this company has been getting good reviews across the board.

One of the most common positive feedback about Liberty Home Guard is their quick response to inquiries and claims. Another thing that we have to commend about this company is their well-designed website that contains everything you need to know as a customer.

Liberty Home Guard excels in the trustworthiness scale which should be a big selling point for many Iowa homeowners.

Plans and Pricing

Liberty offers three types of plans: Appliance Guard, Systems Guard, and Total Guard. As you can guess from their names, Appliance Guard only covers appliances, Systems Guard covers major systems, and Total Guard combines both. For the best-valued plan, Total Guard is hands-down, the best option.

Coverage

There’s no confusion regarding what’s covered under each plan. Appliance Guard covers the following:

• Refrigerator
• Washer/Dryer
• Built-in microwave
• Dishwasher
• Garbage disposal
• Range/oven/cooktop
• Garage door opener
• Ceiling and exhaust fan

On the other hand, Systems Guard includes protection for the following items:

• Heating/Cooling systems
• Ductwork
• Plumbing
• Electrical
• Water heater

Combine both of these plans and you get the Total Guard Plan. To supplement your plan, Iowa homeowners can include a wide array of add-ons such as pool and spa, sump pump, well pump, central vacuum cleaner, re-key service, water softener, lighting fixtures, generator, sprinkler system, carpet cleaning, and many others.

What Customers are Saying:

“I had a broken water heater before the start of my policy. Not only did I get a wholesale rate from Liberty Home Guard but they even gave me a $200 courtesy credit towards my next claim for going with a tankless environment-friendly replacement. Very forward thinking for a home warranty company.” (Source)

5. Best Emergency Service: ServicePlus Home Warranty

If you need a warranty provider that you can rely upon in case of emergencies, you should take a look at what ServicePlus Home Warranty has to offer.

From very humid temperatures to heavy snow to severe thunderstorms, Iowa homeowners can’t afford to suffer through a faulty cooling or heating system. Formerly known as Total Home Protection, ServicePlus Home Warranty offers expedited services in case of critical breakdowns. However, keep in mind that it’s the company that decides whether or not something is an emergency.

ServicePlus also provides fairly comprehensive coverage across two straightforward plans. Plus, it features a decent list of options for add-on coverage. Response times are also impressive and their claims department is available 24/7.

Plans and Pricing

If you like your plans plain and simple, ServicePlus might be for you since they only offer two types of plans: Gold and Platinum. The Gold Plan covers a combination of appliances and home systems while Platinum includes everything in Gold plus coverage for items like AC, heating, washer/dryer, and refrigerator.

Optional coverage for items such as pool/spa, well pump, sump pump, refrigerator ice maker, septic plumbing, etc., are also available.

Coverage

ServicePlus’ Gold Plan covers a decent range of both appliances and home systems like plumbing, electrical, water heater, cooktop, and more - for a total of 15 items covered. Although Gold offers a good amount of coverage, it’s missing some key items that most people would want to cover.

If you want to cover as many appliances and systems as possible including key items like AC and refrigerator, the Platinum plan makes more sense. Some of the popular coverage options for the average Iowa household are:

• Cooling/heating system
• Washer/dryer
• Plumbing
• Electrical
• Refrigerator
• Ductwork

What Customers are Saying:

“The agent was very helpful in describing the plan. What the plan covered and the term and cost. He gave the information on a five year plan and a three year plan. All the plans sounded good, I took the 14 month plan.” (Source)

6. Best Coverage: First Premier Home Warranty

As far as coverage goes, First Premier Home Warranty gets our vote as the best home warranty company in Iowa.

Established in 2020, First Premier Home Warranty is the least tenured warranty company in this guide. However, that doesn’t mean that they’re not worth your time and money. According to the BBB, First Premier gets a B+ rating which is impressive for an up and coming company. Its main strengths lie in its extensive coverage that includes all major systems and appliances.

Iowa homeowners can also customize their plan by including add-ons for items such as pool/spa, septic pump, well pump, and more. In addition, First Premier has a strong customer service team and a network of highly-vetted contractors.

First Premier Home Warranty is a solid home warranty company in Iowa that offers extensive coverage and fairly affordable plans.

Plans and Pricing

First Premier only offers two straightforward plans: Premier and Premier Platinum. Although these plans are more affordable by industry standards, the coverage caps are quite low, around $400-$500. Iowa homeowners with high-end systems and appliances may find the coverage limitations disappointing. On the bright side, lower coverage caps mean that your monthly payments are lower as well.

Coverage

The Premier Plan includes a decent selection of both appliances and major systems. Unfortunately, it’s missing several key items that most people want to be covered like the fridge for example. For Iowa homeowners, we recommend checking out the Premier Plan and seeing if it covers most of the things that they care about. Otherwise, the Premier Platinum gets you the most coverage for just a couple of dollars more.

Many Iowa residents prefer coverage for the following appliances and systems:

• AC unit
• Washer/dryer
• Plumbing
• Electrical
• Heating system
• Dishwasher
• Garbage disposal
• Oven/range/stove

Since precipitation averages around 34 inches per year in Iowa, the limited roof leak protection is a good add-on to consider.

What Customers are Saying:

First Premier offers the best customer service. I have been with them for three years and every time I had an issue, they assisted me right away. Their representatives are understanding and assist me right away. Thank you for always being there when I need you guys! (Source)

7. Best Workmanship: Cinch Home Services

Cinch Home Services has been in the business for more than 40 years with a solid track record under its belt, especially in terms of workmanship.

Cinch offers a wide range of coverage options across three types of plans. Again, Cinch is another company that groups its plans to cover either appliances or home systems, with a third plan that covers both. One of the things that make Cinch a standout home warranty company in Iowa is the 180-day workmanship guarantee when other companies only have 30 to 90-day guarantees.

Cinch is also popular among customers because they’re willing to cover unknown pre-existing conditions. Also, they offer coverage for rust and corrosion damage which is generally not covered by other companies. If you have brand-new appliances, Cinch is more than happy to give discounts.

All in all, Cinch is a solid pick for their workmanship guarantee and additional perks not offered by other warranty providers.

Plans and Pricing

Cinch has three types of plans available: Appliances, Built-In System, and Complete Home. While many Iowa customers will appreciate these clear-cut plans, the limited number of add-ons really hurt the flexibility of the coverage. It’s a good thing that all three plans are fairly affordable. However, the service fee starts at $100 which is higher than the industry average of $75–$125.

• Appliances Plan: $27.99 per month (Best for appliance coverage)
• Built-In System Plan: $32.99 per month (Best for home system coverage)
• Complete Home Plan: $39.99 per month (Best for comprehensive coverage)
• Service fee: starts at $100 per claim

Coverage

Both the Appliances and Built-In System plans offer extensive coverage which is great if you only need one type over the other. However, if your coverage needs apply to both systems and appliances, getting the Complete Home package is a no-brainer. Optional add-ons are available but they’re only limited to pool/spa, septic system, and well pump.

Iowa homeowners can make use of the following coverage options from Cinch:

• Refrigerator
• Washer/dryer
• Plumbing system
• Trash compactor
• AC including ductwork
• Electrical system
• Heating
• Water heater

What Customers are Saying:

“I had a leak in my water softener. I called and they had a plumber come out. The plumber verified that it was, in fact, a leak, and submitted a claim. It was approved to give me a new softener because this one could not be repaired. They put it in and we're in operation. The overall process was good. I've recommended Cinch to three people since this last claim.” (Source)

What You Should Consider Before Buying A Home Warranty in Iowa

Buying home warranty coverage in Iowa can be daunting. We get it, it’s hard to distinguish home warranty companies from one another but as long as you know what you’re looking for, you’ll find a provider that best fits your needs.

Now that we’ve trimmed the list down to the best home warranty companies in Iowa, here are a few more tips to help you zone in on your choice:

Overall Pricing

It’s easy to just choose a company with the lowest monthly cost and call it a day. However, overall pricing isn’t just about monthly payments, you have to consider service fees and coverage caps as well. Some companies keep the monthly cost down by increasing their service fees or lowering coverage caps - try not to decide based on monthly/annual costs alone.

Depth of Coverage

Make sure that you carefully evaluate which items are covered or not. This is why you must determine your coverage needs before talking to any provider.

List down all your major appliances and home systems, and make a note of which items need coverage or not. You don’t really want to pay for the protection of newer items that are unlikely to break soon.

Always check the specifics of the coverage for each plan that you’re considering. While you’re at it, also pay attention to the coverage limitations and exclusions. Read the fine print.

Customer Service

The last thing you want is to be left on hold or downright ignored by customer support after your furnace breaks down in the middle of an Iowa winter. You want a swift response from the provider when you have inquiries or a claim. Excellent customer service is paramount to satisfying home warranty coverage.

Home Warranty Tips for Iowa Residents

One important tip to keep in mind is that a home warranty is NOT homeowners insurance. Therefore, breakdowns caused by natural disasters won’t be covered by your home warranty. But you’ll be covered when your appliances and systems break due to normal wear and tear.

With that said, Iowa has one of the harshest winters in the United States. In February 2021, Iowa suffered through a historic cold snap with 11 below zero temperatures. If you’re living in places like Elkader in Northeast Iowa or Cresco in Northern Iowa, an HVAC failure will be the last thing you want.

Many home warranty companies such as American Home Shield offer HVAC tune-up services. During fall, you’ll get your HVAC system serviced before winter, decreasing its likelihood to break down in the upcoming colder months.

Without a home warranty in Iowa, you'll be scrambling to find a technician to fix your furnace as soon as possible. A home warranty simplifies the process of finding service contractors, especially during emergencies. Not to mention, an HVAC repair or replacement is exorbitantly expensive without coverage.

On the other hand, places like Burlington in the East and Shenandoah in the West of Iowa can get very warm with average annual highs of 82 degrees. Residents in these warmer parts of Iowa should consider getting a home warranty that covers air conditioning. During the hotter weather, AC units tend to work in full throttle which increases their chances of breaking down - a home warranty helps with covering the repair or replacement of the AC unit.

Moreover, Iowa gets 35 inches of rain and 99 days of precipitation per year, so it may be a good idea to include roof leak protection as an add-on to your plan. About 59 of Iowa’s 99 counties are considered to be disaster areas due to widespread flooding - these include places like Iowa City, Johnston, Charles City, Cedar Rapids, and more. In this case, you have to turn to your homeowners insurance for coverage.

Iowa homeowners living in metropolitan areas like Des Moines-West, Sioux City, and Waterloo-Cedar Falls should consider getting coverage for critical systems like plumbing, electrical, and ductwork since they tend to be expensive. 

Home Warranty Regulations in Iowa

All home warranty companies in Iowa must possess a license from the Iowa Insurance Division. This requires them to comply with the Iowa Code Chapter 523C and Iowa Administrative Code Chapter 191-103. These regulations ensure that home warranty companies provide quality service to all Iowa homeowners.

Therefore, make sure that you ask if the company you’re dealing with is licensed by the Iowa Insurance Division.

Final Thoughts

If you think there’s nothing more miserable than a faulty furnace during a particularly harsh Iowa winter, you should see your bill after an emergency repair or replacement. With a home warranty in Iowa, the process of repairing or replacing your home systems and appliances is significantly streamlined. Additionally, you get to save a lot of money that you’ll otherwise spend on expensive repairs.

At the end of the day, what’s the worth of peace of mind to you?

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

• We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
  • Availability 
  • Pricing
  • Coverage
  • Fine Print 
  • Plan Options  
  • Service Contract Details 
  • Customer Service
  • Trustworthiness
  • Ratings and Reviews 
  • Add-On Options 
  • Promotions
  • Additional Benefits
• We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
• We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, 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. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

• Plan options (25): Providers that offer more flexibility in their plans are rated higher.
• Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
• Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
• Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
• State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
• Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
• Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. 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. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Recap of Our Top Picks In Iowa

Choose your State: - Any -AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingDistrict of Columbia

  # 1 Our Top Choice Liberty Home Guard

Editorial Rating 98.00

• $200 off + 1 Month Free + Free Roof Coverage!
• BBB's Only A+ Accredited Home Warranty Company!
• 60-day workmanship guarantee compared to the average of 30 days.
• More than 20 options, including window washing, swimming pools, and irrigation.
• 24/7 service calls

Liberty Home Guard Review

Visit Website (866) 472-3812

  # 2 Cinch Home Services

Editorial Rating 95.30

• First 2 Months Free on all Plans! (exclusions apply)
• Industry-leading 180-day workmanship guarantee
• $500 Homeowner insurance deductible reimbursement
• Thousands of reliable & fast local service providers
• 24/7 customer service
• Low cancellation fee

Cinch Home Services Review

Visit Website (855) 995-1294

  # 3 The Home Service Club

Editorial Rating 94.90

• Lower chance of claim denial
• 24/7 service calls
• Great promotions available
• Market veteran

The Home Service Club Review

Visit Website (855) 498-4719

  # 4 ServicePlus Home Warranty

Editorial Rating 95.10

• $200 OFF + 2 Months Free
• Free Roof Coverage
• Comprehensive coverage plans

• 1 day to submit claim
• Limited availability

ServicePlus Home Warranty Review

Visit Website (267) 824-4010

  # 5 First American Home Warranty

Editorial Rating 95.70

• Best Customer Service 2020
• $100 Instant Online Discount
• Plans from $25/m

• Automatically renewed policy

First American Home Warranty Review

Visit Website (888) 445-5837

  # 6 Complete Care Home Warranty

Editorial Rating

• Lower chance of claim denial
• 24/7 service calls
• Great promotions available

Complete Care Home Warranty Review

Visit Website

  # 7 America’s 1st Choice Home Club

Editorial Rating 96.50

• Save up to $150 on a new plan
• Choose your own service fee!
• Lower chance of claim denial

• Higher fee for contract transfer
• Higher cancellation fee

America’s 1st Choice Home Club Review

Visit Website (877) 755-1115