Best Home Warranty Companies In Iowa 2024

Our Picks: 5 Best Home Warranty Companies For Iowa Residents

After carefully comparing a wide range of providers, we've identified the top 5 home warranty companies in Iowa. These companies offer dependable coverage and peace of mind for Hawkeye State homeowners, ensuring your home functions smoothly year-round.

Highly Rated By Customers

4.7 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

24/7 emergency assistance
Affordable costs of repairing or replacing major appliances or systems
Option to choose a licensed technician

Cons

Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty provides three plans: Elite Complete, Elite Appliances, and Elite Systems. Each plan’s cost and coverage options suit different needs and budgets.

	Elite Appliances	Elite Systems	Elite Complete
Monthly Plan	$44.99	$49.99	$59.99

Elite Appliances

Focuses specifically on providing coverage for 8 major home appliances
Provides targeted protection for appliances that are frequently used and prone to wear and tear
Ideal for homeowners who want to safeguard appliances like refrigerators, dishwashers, ovens, and more

Elite Systems

Provides coverage for 7 essential home systems
Ideal for homeowners who prioritize the protection of their home’s systems

Elite Complete

Coverage for 15 major home appliances and systems
Provides comprehensive solutions to homeowners
Ideal for homeowners seeking extensive protection for their entire home

Why We Picked It?

Homeowners choose Elite Home Warranty for its comprehensive coverage, cost-effectiveness, and convenience. Its extensive coverage limits and customizable plans make it an attractive option for homeowners seeking to protect their investments.

Best For Add-ons

4.7 |

Excellent

Monthly Cost

$49.99 - $75.99

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Flexible plans to suit individual needs
24/7 customer service availability
Provides extensive add-on coverage

Cons

$50 cancellation fee applies after a 30-day trial period

Plans, Cost & Coverage

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. Each is tailored to meet various needs by providing customized coverage for essential home systems and appliances.

	Appliance Guard	Systems Guard	Total Home Guard
Under 5,000 sq. ft.	$49.99	$54.99	$59.99
Over 5,000 sq. ft.	$63.99	$69.99	$75.99

Appliance Guard

Offers coverage specifically for 9 major household appliances
Budget-friendly option for homeowners

Systems Guard

Access to qualified technicians specializing in system repairs
Coverage specifically for 6 essential home systems
Ensures that system-related issues are addressed promptly and effectively

Total Home Guard

Offers comprehensive coverage for both major home appliances and essential systems
Provides coverage for all 15 essential home appliances and systems mentioned in the previous plans, starting at $59.99

Why We Picked It?

Liberty Home Guard typically offers comprehensive coverage for major home appliances, systems, and components, providing peace of mind against unexpected repair or replacement costs. The company often provides customizable plans, allowing homeowners to tailor their coverage to suit their needs and budget.

Best For Electronics Coverage

3.9 |

Excellent

Monthly Cost

$49.99 - $74.99

Service Fee

$125

Response Time

Within 48 hours

Pros & Cons

Pros

Offers protection to electronic gadgets
Known for its prompt response to claims and efficient service
Systems and appliances are covered regardless of their age

Cons

Not available in all areas

Plans, Cost & Coverage

American Residential Warranty offers three plans – TotalMax, SystemsMax, and ApplianceMax. With affordable monthly pricing and reliable coverage, American Residential Warranty aims to provide homeowners peace of mind and protection against unexpected repair costs.

	ApplianceMax	SystemsMax	TotalMax
Monthly Plan	$49.99	$59.99	$74.99

ApplianceMax

Offers protection for 7 major appliances
Ensures that appliance issues are addressed quickly and efficiently

SystemsMax

Offers a cost-effective option compared to comprehensive plans
Specifically covers 6 essential home systems such as HVAC, plumbing, and electrical

TotalMax

Covers a wide range of systems and appliances in your home
Single plan that covers all appliance and system needs

Why We Picked It?

American Residential Warranty offers flexible plans covering major systems, appliances, or both. They offer competitive rates, experienced service, and the freedom to pick your technician. It is a well-established company with over 30 years of experience in the home warranty industry, giving you peace of mind.

Best For Customer Services

3.3 |

Good

$200 Off + 2 Months Free*

Monthly Cost

$37 - $52

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

30-day guarantee on repairs and additional coverage for parts
24/7 customer support for prompt assistance
Offer customizable plans

Cons

Lower coverage limits

Plans, Cost & Coverage

ServicePlus Home warranty offers two plans- Gold and Platinum, each with its own coverage options and benefits. Homeowners can choose the plan that best fits their needs and budget.

	Gold	Platinum
Less than 5,000 sqft	$37.46	$43.71
Above 5,000 sqft	$45.79	$52.04

Gold

Offers comprehensive coverage for 15 major home appliances and systems
Competitive pricing makes it an accessible option

Platinum

Offers enhanced coverage for 20 home systems and appliances
Allows homeowners to tailor their coverage to suit their specific needs and preferences
Cost-effective option for homeowners seeking comprehensive protection for their home

Why We Picked It?

ServicePlus Home Warranty offers reliable coverage, customizable plans, and affordable pricing, making it a practical choice for homeowners seeking to protect their investments and minimize unexpected expenses related to home repairs.

Best For Services at $0 deductible

4.6 |

Excellent

Monthly Cost

$49 - $79

Service Fee

No Service Fee

Response Time

up to 48 hours

Pros & Cons

Pros

No service fee
Preventive maintenance is available
Option to select your preferred repair contractors

Cons

Higher premiums

Plans, Cost & Coverage

Complete Protection Home Warranty offers four plans- Essential, Advanced, Comprehensive, and Ultimate, each designed to cater to different homeowners’ needs and preferences.

Plan	Essential	Advanced	Comprehensive	Ultimate
Cost	$49	$59	$69	$79

Essential

Offers fundamental coverage for eight essential home systems and appliances
Provides a budget-friendly option for homeowners, with lower costs compared to other plans
Well-suited for homeowners looking for basic coverage

Advanced

Expanded coverage compared to the Essential plan
Moderate monthly premium offering a balance between coverage and cost
Offers customizable options

Comprehensive

Extensive coverage for 15 home systems and appliances
Covers a wide range of systems and appliances, ensuring that homeowners are fully protected against unforeseen repair costs

Ultimate

Offers the highest level of coverage among all the plans they offer
Covers a wide range of systems and appliances, including garage door openers, garbage disposals, and more
Offers premium coverage and unparalleled peace of mind

Why We Picked It?

Complete Protection Home Warranty understands that every homeowner prioritizes different levels of coverage. Their diverse plan options offer customizable solutions that range from essential appliance and system protection to comprehensive whole-home coverage.

Is Home Warranty Plans Beneficial For Iowa Homeowners?

Iowa's diverse climate and unique landscapes present distinct challenges for homeowners. Here's how a home warranty can protect Iowa residents from some of these potential issues:

Iowa winters can be brutal, straining heating systems. Home warranties often cover repairs for these systems, ensuring your home stays warm and comfortable during the coldest months.
Heavy rains and occasional hail can damage roofs and lead to water damage. Some home warranty plans offer optional coverage for roof leaks, providing financial protection from these potential issues.
Essential appliances like refrigerators, dishwashers, ovens, washing machines, and dryers are prone to breakdowns over time. Home warranties can cover repairs or replacements for these appliances, preventing unexpected costs and disruptions to your daily routine.
Freezing temperatures can lead to burst pipes and water leaks, causing significant damage. Home warranties typically cover repairs for these plumbing issues, safeguarding your home from potential water damage.
Clogged drains and sewer line backups are common plumbing problems in Iowa. Some home warranty companies offer optional coverage for these issues, providing additional peace of mind.

How Much Does An Iowa Home Warranty Cost?

The cost of a home warranty in Iowa can vary depending on several factors, but here's a general overview:

Average Annual Cost

$400 - $700

Average Monthly Cost

$33 - $58

Average Service Fee (Deductible)

$50 - $100

The price of a home warranty in Iowa can vary based on several factors specific to the state, including:

Age Of Home: Older homes in Iowa may require more extensive coverage and are more prone to breakdowns, potentially resulting in higher warranty costs.
Climate: Iowa experiences harsh winters with freezing temperatures, leading to increased wear and tear on home systems like heating and plumbing, potentially affecting warranty pricing.
Property Location: The specific location of the property within Iowa, whether it's in urban areas like Des Moines or rural regions, can impact warranty costs due to variations in service availability and repair costs.
Home Size & Features: Larger homes with additional features like pools or outbuildings may require higher coverage limits, which can lead to increased warranty costs.
Local Repair Costs: The cost of labor and parts for repairs in Iowa may vary depending on local market conditions, impacting the overall cost of the home warranty.

Home Warranty Coverage In Iowa

In Iowa, home warranties typically offer coverage for various essential systems and appliances within your home, protecting you from unexpected repair costs. Here’s a breakdown of the typical inclusions:

General Coverage Of Iowa Home Warranty

Heating, Ventilation, & Air Conditioning (HVAC)Covers repairs for crucial components like your air conditioner, furnace, heat pump, and ductwork, ensuring your home stays comfortable year-round in Iowa’s diverse climate with harsh winters and hot summers.
PlumbingIt protects against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures. This is especially important during harsh winters when frozen pipes can burst.
ElectricalCovers repairs for electrical wiring, outlets, switches, and breaker panels, ensuring the safety and functionality of your electrical system.
Kitchen AppliancesThis might include essential appliances like refrigerators, ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine due to unexpected breakdowns.
Laundry AppliancesWashing machines and dryers are commonly covered, protecting you from the costs of repairs needed to keep your laundry routine running smoothly.

Additional Coverage Options

Well Pump CoverageProtection for well pumps, including repairs or replacements due to mechanical failures or malfunctions.
Septic System CoverageCoverage for septic tanks and components, including repairs or replacements for leaks or blockages.
Limited Roof Leak CoverageProtection against roof leaks in specified areas, typically excluding coverage for complete roof replacement
Second Refrigerator Or FreezerThis optional coverage for additional refrigeration units beyond the primary appliance is covered under the standard plan.
Limited Mold RemediationCoverage for mold remediation costs resulting from covered plumbing or HVAC system failures.

Common Exclusions

Pre-Existing ConditionsIssues that existed before the start of the home warranty contract are typically excluded from coverage.
Improper MaintenanceDamage resulting from inadequate maintenance or neglect is usually not covered.
Cosmetic DamageMinor cosmetic issues such as scratches or dents are commonly excluded from coverage.
Acts Of NatureDamage caused by natural disasters such as floods, earthquakes, or hurricanes may not be covered.
Misuse Or AbuseDamage caused by misuse, abuse, or intentional acts is typically excluded from coverage.

Who Regulates Home Warranty Companies In Iowa?

The primary agency regulating home warranty companies in Iowa is the Iowa Insurance Division, part of the Iowa Department of Commerce. The division oversees the home warranty industry's licensing, solvency, and consumer protection aspects.

Here's a breakdown of the Iowa Insurance Division's responsibilities regarding home warranty companies:

LicensingHome warranty companies operating in Iowa must obtain a license from the Iowa Insurance Division. This ensures they meet the state's financial solvency requirements and comply with consumer protection regulations.
Consumer ProtectionThe Iowa Insurance Division enforces consumer protection laws and regulations related to home warranty companies. This includes handling complaints from policyholders regarding unfair claim denials or deceptive marketing practices.
Financial SolvencyThe division monitors the financial health of home warranty companies licensed in the state to ensure they have sufficient resources to meet their obligations to policyholders.

It's important to note that while the Iowa Insurance Division plays a significant role in regulating home warranty companies, it might not be the only entity involved:

Iowa Attorney General's OfficeIf consumer protection concerns go beyond the scope of the Insurance Division's authority, the Attorney General's office might investigate potential consumer fraud or deceptive business practices.
Iowa Civil and Small Claims CourtsThe court system might offer a final resolution in disputes between policyholders and home warranty companies that cannot be resolved through other avenues.

Final Word

In summary, these leading home warranty providers in Iowa deliver exceptional coverage and service, ensuring homeowners' peace of mind. Offering flexible plans and renowned reputations, these options are the preferred choices for protecting your home and financial interests.

Frequently Asked Questions (FAQs)

What Are The Most Frequently Reported Home Repairs In Iowa?

Due to the warm climate in Iowa, common appliance repairs revolve around air conditioning units. Refrigerator malfunctions, dishwasher issues, and washing machine problems are also commonly reported. Given the island environment, appliances may be more susceptible to the effects of humidity and salt air, potentially leading to repairs related to corrosion or wear.

Are Home Warranties Worth It In Iowa?

Home warranties are worth it in Iowa. They provide crucial financial protection against unforeseen repair costs, particularly for aging appliances and systems. The added benefit of enhancing property appeal during resale and reliable local service providers makes them a solid investment.

Do Home Warranty Companies Cover Appliance Damage Causes By Pests?

Typically, home warranty companies don’t cover appliance damage caused by pests. However, it is essential to review your contract for specific terms related to coverage exclusions/limitations.

What Is A Service Fee Call?

A service fee call typically refers to a charge imposed by a home warranty service provider when responding to a service request or call. This fee is separate from the actual cost of the service or repair and is meant to cover the technician’s visit and assessment.