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Best Home Warranties in Iowa

We compared 11 companies and chose the top home warranty providers

    • American Home Shield
      3.9(104,151)
    • Choice Home Warranty
      4.0(66,325)
    Author picture
    By: Alina Bradford
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in Iowa

    Top Picks

    See who reviewers like

    American Home Shield logo
    Choice Home Warranty logo
    See our top picks

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      If you’ve been thinking about getting home warranty coverage in Iowa but aren’t sure where to start, we can help. We’ve selected the top home warranty companies in Iowa by analyzing customer reviews and ratings and comparing brands on availability, price, coverage and other factors.

      Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us — this does not affect our recommendations or evaluations but may impact the order in which companies appear.

      Our editor’s top picks

      1. Value: American Home Shield
      2. Quick service: Choice Home Warranty
      Why trust ConsumerAffairs?
      • Our recommendations are based on what reviewers say.
      • 4,591,400 reviews on ConsumerAffairs are verified.
      • We require contact information to ensure our reviewers are real.
      • We use intelligent software that helps us maintain the integrity of reviews.
      • Our moderators read all reviews to verify quality and helpfulness.

      2 best home warranty companies in Iowa, reviewed

      We’ve talked to thousands of Iowa homeowners who invested in home warranty coverage. To choose our top picks for this guide, we compared 26 companies on coverage limits, prices, available plans and other factors.

      2024 Buyers Choice Award Winner
      American Home Shield
      American Home Shield
      3.9
      104,151 reviews
      Plans available
      3
      Service fees
      $100 or $125
      Starting costs
      $29.99
      Get a Quote Read Reviews

      American Home Shield offers 3 plans specialized to your needs. Depending on what type of coverage you choose, you can expect to pay $29.99 to $89.99 monthly or $359.88 to $839.88 annually.

      Customers in Iowa have generally had positive experiences with American Home Shield. They appreciate the responsiveness and professionalism of the contractors sent by AHS to handle repairs. Customers find the claims process to be straightforward and appreciate the cost savings.

      Jan from Cedar Rapids recommends American Home Shield: “I've always had good success with them. Recently, I had a garage door that stopped working. It wouldn't go up. I called the home warranty company and the rep was easy to work with.”

      Michael from Washington said when his water heater stopped working, “I logged on to the website of AHS and clicked the file a claim. The tech came out and fixed the problem. It's functioning just fine now. Having AHS, I like knowing that there's not going to be a surprise repair bill popping up that I wasn't prepared for.”

      Some Iowa customers have reported delayed responses and poor communication from American Home Shield, causing frustration and dissatisfaction.

      Brent from Bettendorf went as far as to say: “I would not wish this company on my worst enemy.” He had to use the company three times, “in which they immediately charge you $75 to even begin the service call process. They then partner with bottom-of-the-barrel service providers who may or may NOT show up when they are scheduled.” It is important note that service fees are typical for any home warranty service, however.

      5x Award Winner
      Selected for having one of the highest satisfaction rates for Best Claims Handling, Best Coverage Options, Best Customer Service, Best Technicians and Best Value for Price
      Buyers Choice Award Finalist
      Choice Home Warranty
      Choice Home Warranty
      4.0
      66,325 reviews
      Plans available
      2
      Service fees
      $100
      Starting costs
      $46.83
      Get a Quote Read Reviews

      Choice Home Warranty has 2 different plans that cover up to 18 systems and appliances combined. In the event the company has to schedule service at your home for a covered appliance or system, you’ll be charged a service call fee of $100. It’s available in 49 states (not Washington), including Iowa.

      Overall, the reviews for Choice Home Warranty from Iowans are mostly positive. Customers appreciate the knowledgeable and professional technicians and say they’re prompt in their service. The claims process is often described as easy and efficient, with quick responses and resolutions.

      Tony of Tabor was happy with the tech the company sent: “Tech was very knowledgeable and helpful. Great handyman and able to troubleshoot the problems. He can work on other items as well and would call him again if needed.”

      Mark from Iowa City was also happy with his tech: “My technician diagnosed the problem with our Maytag washer and came already with the part to fix it. He was in and out in less than 30 minutes. Really amicable and professional. This is the 2nd time he has come to fix an appliance and he is exceptional at job.”

      Some customers in Iowa have had issues with billing, such as being charged more than the quoted amount or not receiving refunds. Others have had problems with the customer service, including unsolicited calls and difficulty reaching representatives.

      Jean from Anamosa said about their experience, “I have placed several calls to the number shown ... Left several messages plus a few with my 'case manager' with no response from her. Finally found another number to call & was able to make contact with a lady but she wasn't much help either in making a increase in dollar amount offered. Finally accepted so I could move on as I needed to have laundry items. Will not recommend this company to any friends.”

      Do you need a home warranty company in Iowa?

      Unique considerations for Iowa include the state's susceptibility to severe weather, such as tornadoes and heavy snowfalls, which can lead to power outages and damage to home systems. In areas like Sioux City, Waterloo and Council Bluffs, having a home warranty that includes emergency service options and coverage for weather-related repairs can be particularly beneficial.

      Additionally, Iowa has many older homes, especially in historic towns like Pella and Fairfield, where aging electrical systems and plumbing may need more frequent repairs. Ensure your home warranty plan addresses these specific needs to prevent unexpected repair costs and maintain your home's safety and functionality.

      How are home warranties regulated in Iowa?

      In Iowa, home warranties are regulated by the Iowa Insurance Division (IID). Home warranty providers must arrange for your repair services and must be licensed with the IID. The IID enforces consumer protection laws, handles complaints and monitors the financial health of these companies to ensure they can pay out claims. The IID has a list of licensed companies on its website.

      Homeowners can file complaints with the IID if they encounter issues with their home warranty providers.

      FAQ

      How much does a home warranty cost?

      The national average cost for a home warranty is $450 to $600 per year as of publishing, but specialty plans with limited coverage are also available for less. How much you’ll end up paying depends on the norm in Iowa and the company and plan you choose. Home warranty companies sometimes offer ways to save, like bundling plans or opting for a higher service call fee.

      Is a home warranty worth it in Iowa?

      A home warranty is worth it to many homeowners for peace of mind, but this depends on your financial situation, the state of your appliances and several other factors. If a repair or replacement for a home system or appliance could break you, it might be worth shelling out the monthly payment for coverage.

      What’s the difference between a home warranty and homeowners insurance?

      Unlike homeowners insurance, a home warranty isn’t a requirement for taking out a mortgage. Home warranties cover various home appliances and systems in the event they break down due to regular use; homeowners insurance, on the other hand, covers your property and belongings if they’re destroyed in an accident (like a fire or bad weather).

      Methodology

      ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

      To choose the top home warranty companies in Iowa, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Iowa. We then weighted several key features to get our final rankings:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offered multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money by not paying for coverage you don’t need. We checked to see what customization options each company offered, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the coverage selected, but we confirmed our top picks’ prices were competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks were in line with industry standards.
      Guide sources

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:

      1. Iowa Insurance Division, “Filing Complaints.” Accessed August 9, 2024.

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