Top Best Home Warranty Companies In Iowa Review

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!

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

Best Home Warranty Companies in Iowa

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.8
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 95.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 Cinch Home Services
Editorial Rating 95.0
  • Get $100 Off Most Popular Plan!
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 6 First American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy
  • 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

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

best home warranty for a small family home in Iowa

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!

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:

Homeowners

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. 

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.

Homebuyers

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.

Are you a first-time homebuyer in Iowa? We can help. 

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.

Read Also: Considering Putting Your Home On The Market In Iowa? 

Renters/Landlords

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.

Check Out This Article On Home Warranties For Rental Properties.

 

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:

Weather/Climate

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.

Read Also: Can I Protect My Furnace With A Home Warranty in Iowa?

Geography/Location

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.

Iowa Home Warranty Facts

 

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:

Water Heater in Iowa Home covered by a home warranty

  • 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. 

Top best home warranty in iowa

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.

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive

 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Total Home Protect Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

total home protection home warranty

Why Do We Like Total Home Protect?

Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

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.

Nearby States

All states
Home warranty Illinois 41 companies available
Illinois Home Warranty
Home warranty Missouri 39 companies available
Missouri Home Warranty
Wisconsin flag
Home warranty Wisconsin 29 companies available
Wisconsin Home Warranty

Frequently Asked Questions in Iowa

Below are just some of the frequently asked questions we receive about home warranties in Iowa.

Q.

Is a home warranty worth it?

A.
As much as we regularly service our house appliances and systems, it only makes them last longer and not forever. At one point, they’ll need to be repaired or replaced, and that’s when a home warranty kicks in.

A home warranty is a worthy investment as it helps protect homeowners from the high repair and replacement costs for home appliances and systems. Truth be told, home appliances and systems, no matter how basic they are, are expensive, and so is repairing or replacing them. 

 Let’s take the most common house appliance, a refrigerator. Replacing a broken one will cost you between $1000- $2000, but a home warranty costs you only $300- $600 on average. So, in this case, is a home warranty worth it? The answer is yes!
Q.

What are the best home warranty companies in Iowa?

A.
There are over 32 home warranty companies in Iowa, and as much as you’d like to compare each one of them according to service, plans, and prices, it might take you forever.

However, we’ve done all the heavy lifting for you, so check out the best home warranty companies in Iowa as outlined below;

Home Warranty Companies in Iowa
Service Overview
Rating
 
(Best Overall)
  • 30 days free cancellation
  • Covers old appliances
  • 1 month free
  • Available 24/7
97.5
(Best Service)
  • Customizable service fee and premiums
  • Custom plans
  • $100 discount
  • Available 24/7
97.0
 (Most Affordable)
  • Free home warranty transfer
  • $150 discount + 2 months free on all plans
  • Free roof cover
95.8
  • Ranked number 1 by BBB
  • 2 months free and $100 off
  • Free roof cover
95.1
  • Low cancellation fee
  • 24/7 customer service
  • Easy claim filing and processing
  • 180 days workmanship guarantee
95
  • Ranked top with best customer service
  • Low premiums
  • Low cancellation fees
  • Award-winning provider: Best Value for Money (2019)
94.9
  • Customizable service Fee
  • 24/7 customer service
  • Lower chances of claim denial
  • $150 off
91.8
Q.

What do home warranties cover?

A.
A home warranty plan will cover replacement or repair costs for the most basic, if not all, home appliances and systems whose damage is caused by wear and tear.
 
Depending on the home warranty provider, you can have a cover for the appliances or systems, and with some, you can have all in one plan. 

Here is a list of appliances and systems that you’ll find in a home warranty plan


  • Air conditioner
  • Electrical system
  • Plumbing system 
  • Dishwasher
  • Refrigerator
  • Clothes dryer
  • Trash compactors
  • Doorbells 
  • Washing machine
  • Garbage disposal 
  • Smoke detectors 
  • Central vacuums 
  • Ceiling and exhaust fans
  • Heating systems
  • Kitchen stove
  • Water heater
  • Microwave oven

Optional add ons include;


  • Pool and spa
  • Freezer
  • Additional appliances such as extra laundry machines/ refrigerator
  • Ice maker
  • Roof

Here’s what you won’t find in a home warranty plan


  • House structural items such as doors and windows
  • Home appliances and systems with pre-existing conditions
  • Cosmetic defects like dents and scratches
  • Appliances damaged by an individual, pets, or accidents
Q.

How much does a home warranty cost?

A.
On average, it will cost you between $25- $50 per month, which of course differs from one company to another and depending on the plan, appliances covered, and location.

There is also a service fee of between $50- $100, which you pay every time you file a claim, and it warrants a visit by technicians to your home.

Here’s what you can expect to pay for the top 3 home warranty companies in Iowa;

Home Warranty Company
Monthly Premium
Service Fee
Choice Home Warranty
$36.17–$43.85
$60–$85
American Home Shield
$49.99–$59.99
$75–$125
Select Home Warranty
$35.83–$37.50
$60–$75
Q.

How do I choose a good home warranty?

A.
When choosing a home warranty plan, you need to ask yourself a few questions;

  1. Is it within your budget?
  2. Does it cover your everyday-use appliances and systems?
  3. Does the warranty provider offer 24/7 customer service?
  4. Does the plan cover old appliances?
  5. Are you guaranteed limitless service calls and requests?

If your answer is yes to all the questions above, then you’ve got yourself a great deal and a good home warranty plan.