As a fellow Midwesterner, I know firsthand the toll Iowa’s extreme weather takes on home systems. Frigid winters, blistering summers, and tumultuous spring storms put incredible strain and more wear and tear on essential appliances and equipment. So when your furnace fails on a bitter January night, or your water heater starts leaking just before you need to shower, repairs need to happen promptly. If paying thousands out of pocket, many Iowa homeowners would sink into financial turmoil.

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A reliable home warranty can protect against unexpected breakdowns and repair bills. However, the home warranty industry’s reputation for denied claims, unethical practices, and confusing contracts rightly makes Iowans skeptical. So, I dug into the top options available in Iowa, scrutinizing the fine print and analyzing real customer reviews. Using Today’s Homeonwer’s review criteria like affordability, service, and comprehensiveness, I filtered out the dubious providers to find the best ones.

Ultimately, five home warranty companies stood out as reputable to me. Their straightforward plans account for Iowa’s climate with coverage for furnace failures, AC repairs, appliance breakdowns, and more. Best of all, these providers have solid records of paying claims quickly to restore essential home systems. For peace of mind against home system breakdowns, I am confident the providers below are the best home warranty companies in Iowa.

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Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.


Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.


We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.


Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.

Table of Contents

    Top 5 Iowa Home Warranty Companies

    Liberty Home Guard: Best For Customization
    • After reviewing home warranty options in Iowa, I conclude that Liberty Home Guard stands out as the top choice. With the extreme cold and snowy winters in the state, Liberty’s ability to customize plans to match your home’s unique needs is invaluable. That way, critical systems like furnaces, sump pumps, and water heaters can have robust coverage. And even as a newer provider, Liberty earns positive feedback for its responsive claims service.
    • American Home Shield is also a strong contender if fast repairs are essential. Its 24-hour response time prevents small issues from spiraling into costly headaches. With older houses prone to problems, AHS covering unknown preexisting conditions brings peace of mind, too.
    • Ultimately, the fine print matters most. Study exclusions, coverage caps, and which systems and appliances are included before you sign a contract. Whether you choose Liberty, AHS, or another provider, make sure your policy matches the systems and appliances your home has. Avoid surprises later by understanding exactly what you’re paying for up-front.

    My Expert Recommendation

    After scrutinizing contracts and capabilities, Liberty Home Guard emerged as a top choice for its customization. With over 40 optional add-ons, Liberty enables Iowans to tailor coverage to their home’s unique needs. The state’s frigid winters push critical systems like furnaces to the max. This heavy use makes breakdowns more likely, which often hits amid bitter cold snaps. That’s why I value Liberty’s 24/7 emergency repair services for urgent issues and fast repairs.

    For Iowans with luxury appliances, American Home Shield (AHS) stands out. This established, reputable provider offers generous coverage caps of up to $5,000 for home systems and $4,000 for appliances. Those high limits protect most premium systems and appliances. While all warranties have exclusions, AHS’s ample caps make safeguarding expensive items easier. For even greater coverage, Elite Home Warranty offers $10,000 for home systems and $6,000 for appliances. 

    Ultimately, Liberty’s customization and AHS’s high coverage limits provide real protection against sudden repair bills. But always read the fine print on inclusions and exclusions before choosing. All five of my recommendations here have unique strengths for giving Iowans peace of mind. However, Liberty and AHS are especially suited to handle breakdowns no matter what time of year or day of the week.

    Today’s Homeowner Tips
    After scrutinizing contracts and capabilities, Liberty Home Guard emerged as a top choice for its customization.

    Iowa Home Warranty Companies I Didn’t Include

    I did not include Landmark Home Warranty in my recommendations for Iowa homeowners. Despite being in business for 18 years, Landmark raises some red flags. It lacks Better Business Bureau (BBB) accreditation and has concerning customer reviews and complaints.

    While even the best companies receive occasional negative feedback, Landmark’s history includes several unresolved complaints and a few active lawsuits in various states. This pattern of issues gives me pause about endorsing Landmark to fellow Midwest homeowners. Until Landmark takes clear steps to resolve these matters, improve its reputation, and secure BBB accreditation, I am not comfortable recommending it. I want to be fully confident in the companies I suggest to my fellow homeowners.

    Compare The Highest Rated Home Warranties In Iowa

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink



    12-48 hrs.


    American Home Shield Logo



    24-72 hrs





    48 hours


    choice home warranty logo



    24-48 hrs.


    select home warranty logo



    24-48 hrs.


    AFC Home Warranty logo



    48 hours


    first american logo



    48 hours





    2–24 hrs





    2–24 hrs



    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.

    Our Reviews of the Best Home Warranties in Iowa

    Best for Customization

    Liberty Home Guard


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    I’m impressed by Liberty’s consistently positive reputation, with 4.7 stars on Google and Trustpilot. When many competitors average a disappointing 2–3 stars, LHG’s high marks for helpful service bring confidence that it will come through when breakdowns strike. Iowa’s aging houses make responsive support essential.

    I also like that LHG has 40+ optional adds and workmanship guarantees for two full months, surpassing the 30-day industry norm, further showing its commitment to customer satisfaction. Between customized coverage, a stellar track record, and extra perks, Liberty offers home warranty plans that Iowans can uniquely tailor to our repair realities and priorities.

    While Liberty Home Guard’s customizable plans are appealing to me, I have some reservations after examining the fine print in its sample contract. The biggest drawback is Liberty’s $2,000 coverage caps for systems and appliances, which pale in comparison to limits from providers like American Home Shield. If your furnace or other expensive equipment needs replacing, those low-coverage caps could saddle you with hefty out-of-pocket expenses.

    I’m also not thrilled about Liberty’s pricey add-ons, averaging $15 per month compared to just $6 from competitors like Elite Home Warranty. As a newer company founded in 2017, Liberty also lacks the experience of long-standing providers. Some users report aggressive sales calls and steep $50 cancellation fees, which are red flags to me.

    With Iowa’s frigid winters and humid summers putting extra strain on home systems, having a reliable warranty to protect against sudden, costly repairs is crucial. Starting around $50 per month, Liberty’s plans provide comprehensive coverage and boast over 40 practical add-ons like generator coverage, pest control, and even limited roof leak protection. These robust options are why I give Liberty a high 9.3/10 rating for flexibility to match Iowans’ needs for an affordable, customizable choice.

    One potential drawback is Liberty’s $2,000 coverage cap per covered item. For premium appliances, this limit may not fully cover replacement costs. However, for most standard home systems, it should sufficiently handle most breakdowns. Plus, Liberty goes above and beyond with an exceptional 60-day workmanship guarantee on repairs, double the industry standard.

    If your home doesn’t feature ultra-luxury brands, few companies can match Liberty’s combination of tailored plans, affordable pricing, and attentive service. Customer ratings consistently praise Liberty across review platforms like the Better Business Bureau, Google, and Trustpilot. For those with high-end brands like Sub-Zero or Miele, providers like American Home Shield and Elite Home Warranty offer higher coverage limits ($4,000 to $10,000). Nevertheless, for the majority of Iowa homeowners seeking peace of mind against unexpected repair expenses, Liberty Home Guard earns my top recommendation.

    Liberty Home Guard truly shines when it comes to customizing home warranty plans. With options for appliances, systems, or a combination of both, Liberty offers Iowans much-needed flexibility. I recommend the Total Home Guard plan to all Iowa homeowners, which bundles appliance and system coverage for just $60 per month — only $10 more than the base Appliance Guard plan. This comprehensive coverage instills confidence that all your major home systems receive protection against costly breakdowns.

    With prices starting at $50 monthly, Liberty aligns with national averages for home warranty costs. Most add-ons, such as electronics, pest control, and roof leak coverage, range from an extra $8 to $15 per month. One potential drawback is Liberty’s $65 to $125 service call fees, which are higher than the $75 industry standard. However, discounts like two free months with annual payments or seasonal $225 coupons can help mitigate these expenses. I give Liberty an impressive 10/10 rating for its ability to tailor plans that address Iowa’s extreme weather risks while maintaining reasonable pricing.

    PlanMonthly CostService FeeAvailable Discounts
    Appliance Guard$49.99$65 $1252 months free, $225 off coupon
    Systems Guard$54.99$65 $1252 months free, $225 off coupon
    Total Home Guard$59.99$65 $1252 months free, $225 off coupon

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Davenport, IA. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Liberty Home Guard offers the following optional add-ons to Iowa homeowners. As someone who lives in a rural Midwest area, I appreciate the affordable coverage for well pumps, generators, and septic tank pumping. 

    • Carpet cleaning: $19.99/month
    • Casita guest unit: $35.99/month
    • Central vacuum: $8.99/month
    • Electronics protection: $19.99/month
    • Ejector pump: $14.99/month
    • Freestanding ice maker: $14.99/month
    • Generator: $19.99/month
    • Grinder pump: $14.99/month
    • Gutter cleaning: $14.99/month
    • Ice maker (in-fridge): $3.99/month
    • Instant hot water dispenser: $9.99/month
    • Lawn sprinkler system: $9.99/month
    • Lighting fixtures: $7.99/month
    • Limited roof leak: $11.99/month
    • Pest control: $14.99/month
    • Plumbing fixtures: $7.99/month
    • Pool and spa: $19.99/month
      • Additional spa: $9.99/month
    • Power washing (exterior flooring): $19.99/month
    • Pro-series clothes dryer: $4.99/month
    • Pro-series dishwasher: $7.99/month
    • Pro-series microwave: $4.99/month
    • Pro-series range/oven/cooktop: $12.99/month
    • Pro-series refrigerator: $14.99/month
    • Pro-series stand-alone freezer: $14.99/month
    • Pro-series washing machine: $4.99/month
    • Re-key: $9.99/month
    • Reverse osmosis water filter system: $14.99/month
    • Salt water pool: $23.99/month
    • Second refrigerator: $7.99/month
    • Septic system pumping: $12.99/month
    • Sump pump: $8.99/month
    • Swamp cooler: $14.99/month
    • Trash compactor: $7.49/month
    • TV mounting (up to 65-inch TVs): $14.99/month
    • TV mounting (up to 85-inch TVs): $19.99/month
    • Water dispenser water line: $4.99/month
    • Water softener: $13.99/month
    • Well pump: $12.99/month
    • Window washing/cleaning: $19.99/month
    • Wine cooler/fridge: $11.99/month

    Liberty Home Guard has the following exclusions from its plans. All of these exclusions are standard in the industry. 

    • Cosmetic defects
    • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
    • Disposal of appliances, systems, or components
    • Electronics, computerized, “smart,” or Internet/enabled components and parts
    • Filters associated with any covered items
    • Fire sprinkler systems
    • Flues, vents, chimneys, and exhaust lines
    • Glass parts
    • Lighting
    • Malfunction or damage due to acts of God
    • Noise
    • Radon and other leak detection monitoring systems
    • Remote receiving and transmitting devices
    • Solar systems and applications

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Liberty Home Guard’s base coverage starts at $49.99 per month — on par with industry averages and making it accessible for most Iowa homeowners. However, it’s important to note that Liberty’s add-ons tend to be more expensive, averaging $14.99 monthly compared to the $6-$13 range offered by other providers. Additionally, there is a non-negotiable service fee of $65-$125 each time you file a claim, which is higher than what many competitors charge.

    One unique advantage of Liberty is its coverage for specialty items that other warranties often exclude, such as reverse osmosis filters and pro-series appliances. This flexibility is particularly valuable for Iowans with high-end or uncommon home systems. However, it’s crucial to understand that Liberty only covers items up to their “book value,” not the full pre-depreciation cost. For example, if your $1,000 clothes dryer breaks down beyond repair after two years, Liberty might only pay up to $800 for a replacement. Moreover, Liberty caps coverage at $2,000 per item, which is lower than some of its leading competitors.

    While Liberty’s base plan rates match industry norms, earning them an 8.9/10 score from me for affordability, I recommend you consider the additional costs if your home requires those specialty add-ons. Before enrolling, carefully weigh the pros and cons to ensure that Liberty Home Guard aligns with your budget and coverage needs. For homeowners with unique systems, the flexibility Liberty offers should be worth the higher fees, but homeowners with standard appliances and systems should be aware of the potential drawbacks.

    I give Liberty Home Guard a solid 7.8/10 rating for customer experience. The company’s transparent online quoting system makes it easy for Iowa homeowners to compare coverage options and customize their plans. During my secret shopping, I found the enrollment process to be smooth and straightforward, allowing me to tailor my coverage to my specific needs in just a matter of minutes.

    Once you’re a Liberty customer, you’ll appreciate the multiple convenient contact methods available to reach out to its team. Whether you prefer to chat online, call by phone, or send an email, Liberty’s accessibility ensures that you can get swift support when issues arise, minimizing frustrations during stressful times.

    One area where Liberty Home Guard doesn’t particularly stand out is its 30- to 60-day waiting period before coverage kicks in after signing a contract, which is on par with industry averages. However, I was impressed by their 60-day service guarantee on repairs, which provides extra peace of mind that any work performed will meet proper quality standards the first time around.

    Among Iowa home warranty companies, Liberty Home Guard stands out with its exceptional reputation, earning a stellar 9.1/10 rating from me. Liberty’s overwhelmingly positive feedback on Google and Trustpilot highlights representatives going above and beyond, smooth claims processes, and swift issue resolution. It’s a testament to its commitment to customer satisfaction. I had to look hard for any negative reviews, which many cited isolated instances of longer wait times or unexpected fees – nothing major.

    However, Liberty recently faced a temporary setback as the Better Business Bureau (BBB) recently revoked its A+ rating due to a sudden surge in complaints. After contacting the BBB and speaking with a representative, I learned that this is a standard procedure while they thoroughly review the complaints. Once the review is complete, the BBB will either restore Liberty’s A+ rating or update it accordingly. It’s important to mention that Liberty has previously undergone this process and had its A+ rating reinstated after the BBB’s comprehensive evaluation.

    Still, for Iowa homeowners seeking a home warranty provider they can trust, Liberty Home Guard is a top choice for its outstanding reputation and dedication to customer satisfaction.

    Rating SiteRatingNumber of Reviews
    BBBNR*Customer Reviews are not used in the calculation of BBB Rating

    Editor’s Note: The ratings provided were accurate at the time of writing.

    *Note (as of 3/13/24): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time, the BBB has restored its A+ rating after a thorough review.

    When it comes to claims handling, Liberty Home Guard is in a league of its own, earning a perfect 10/10 rating from me. With an impressive 12-hour average response time and invaluable emergency repair options that many competitors lack, Liberty shines when Iowa homeowners need it most. During the state’s harsh winters, having urgent support available for catastrophic failures like frozen pipe bursts, furnace breakdowns, and appliance leaks can be a lifesaver, preventing minor issues from escalating into costly nightmares or cold nights without heat.

    Homeowners consistently praise Liberty’s smooth claims process and quick payouts after approval. Once the standard 30–60-day waiting period before coverage kicks in has passed, LHG typically green-lights most claims within a speedy 48 hours. This lightning-fast response time, combined with their emergency services and streamlined approvals, sets Liberty Home Guard apart from the competition, in my opinion.

    Liberty Home Guard is available in all 50 U.S. states. As a nationwide provider, Liberty earns a perfect 10/10 score for being able to quickly resolve issues in homes throughout the country. 

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    American Home Shield


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    I like that AHS’s plans cover rust, corrosion, and preexisting conditions, which most other providers exclude. These inclusions are especially valuable for Iowa’s older homes, which may be more prone to these issues. Additionally, AHS allows you to pick your service fees, enabling you to reduce your monthly out-of-pocket costs according to your budget.

    I also appreciate American Home Shield’s higher-than-average coverage caps, offering up to $5,000 for home systems and $4,000 for appliances. This extensive protection provides Iowa homeowners with peace of mind, even for high-end home items. 

    As the longest-running home warranty provider, I expected American Home Shield (AHS) to have glowing reviews, given its 50 years of experience. However, the overwhelmingly negative feedback on the Better Business Bureau (BBB) and ratings below 2.5 stars on Trustpilot and Yelp give me pause.

    Many online complaints mention transparency issues, unexpected rate hikes, and delays due to high volumes of requests straining contractors. Some reviews also cite short 30-day workmanship guarantees as a concern. While it’s true that people are more likely to share negative experiences than neutral or positive ones, and AHS has had more time to accumulate reviews (both good and bad), the sheer volume of one-star ratings is hard for me to ignore.

    American Home Shield leads competitors with generous coverage caps of up to $5,000 for systems and $4,000 for appliances, surpassing providers like Liberty Home Guard with $2,000 limits. This higher level of protection brings me confidence for Iowans investing in high-end appliances and systems. AHS also covers preexisting defects, rust, and corrosion, unlike many other providers, further increasing its value.

    While I found quoting and shopping online with AHS straightforward, some downsides exist. Despite touting contractor partnerships, a few reviewers faced extended repair delays. Additionally, at 30 days, AHS’s workmanship guarantee trails rivals like Liberty Home Guard at 60 days and Elite Home Warranty at 90 days. Furthermore, its lower-tier plans don’t cover as many appliances and systems as entry-level options from competitors.

    However, AHS’s ShieldPlatinum plan offers comprehensive protection at only a slight increase in cost, still beating comparable plans in the items it covers. Its expansive contractor network also enables broad, reputable support across Iowa. Considering its strong coverage maximums, the inclusion of preexisting defects, and the value of its ShieldPlatinum plan, I give AHS fair marks of 8.6/10 overall. While homeowners should weigh the occasional service delays some reviewers report, American Home Shield remains a solid choice for those seeking robust coverage in the Hawkeye State.

    American Home Shield offers Iowa homeowners three tiers of protection: ShieldSilver covering major systems, ShieldGold adding some appliances, and the comprehensive ShieldPlatinum. I give AHS strong marks of 9/10 for its plan options, particularly the ShieldPlatinum, which uniquely bundles roof leak coverage — a rarity in the home warranty industry. This top-tier plan also includes free HVAC tune-ups, allowances for code violations, permits, and equipment modifications that other warranties often exclude. With maintenance visits and expansive coverage, AHS provides beyond the basic protection, which is super useful in preparing your furnace for Iowa’s harsh winters.

    Another standout feature of AHS is that all its plans cover old, improperly installed items and preexisting conditions, which many rival plans don’t. This extensive protection brings peace of mind to owners of complex or aging systems vulnerable to the Hawkeye State’s high snowfalls and long winters.

    While AHS’s service fees, ranging from $100 to $125, exceed the $75 industry average, the company offers flexibility through lower monthly premiums or higher service fees, allowing you to choose your preferred option. For Iowans wanting air-tight coverage on critical home systems, I recommend comparing AHS’s ShieldPlatinum plan against competitors’ top offerings. 

    PlanMonthly CostService Fee*Available Discounts
    ShieldSilver$29.99 $39.99$100 $125Same-day discount
    ShieldGold$49.99 $59.99$100 $125Same-day discount
    ShieldPlatinum$79.99 $89.99$100 $125Same-day discount

    *If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $79.99 rate for the ShieldPlatinum plan pairs with the $125 service fee.

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Davenport, IA. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    American Home Shield offers the following six optional add-ons to Iowa homeowners. Albeit a limited amount, I appreciate the septic pump and well pump coverage for Iowans in rural locations. 

    • Electronics protection plan: $14/month
    • Guest unit: $15.99/month
    • Pool & built-in-spa equipment: $18/month
    • Roof leak repair: $10/month
    • Septic pump: $5/month
    • Well pump: $8/month

    American Home Shield has the following industry-standard exclusions to its plans: 

    • Damage due to pets or pests
    • Failure to properly clean or maintain home systems or appliances
    • Foundation or structural damage
    • Improper installation, improper wiring, or damage caused by construction activity
    • Manufacturer’s defect
    • Misuse or human error
    • Natural disasters
    • Neglect, rust, corrosion, or sediment
    • Removal of hazardous material

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    I give American Home Shield strong marks of 8.7/10 for affordability because of its robust coverage and higher coverage caps but slightly higher monthly premiums and service call fees. However, cheaper plans from other providers, like Liberty Home Guard, often cap system coverage at around $2,000, while AHS extends that to an impressive $5,000 – providing over twice the protection. 

    For Iowans, AHS allows up to $5,000 for HVAC systems, which is a standout feature. Costs for replacement furnaces in the Hawkeye State can easily eclipse the lower $2,000 caps, especially given the seven long months with average temperatures of 45ºF or below. This colder weather can lead to more wear and tear on critical systems and appliances, resulting in more frequent issues.

    So, while you may pay more per month, that extra cost acts as an insurance policy against Iowa’s harsh climate. Appliance and home system repairs or replacements can quickly climb into the thousands without adequate coverage. Although American Home Shield isn’t the best choice if low monthly costs are your top priority, its elevated coverage maximums can save you money over time by lowering costly repair bills. For homeowners with expensive systems and appliances, the extra protection provided by the higher coverage caps can make the slightly pricier rates worthwhile in the long run.

    I award American Home Shield decent marks of 8.4/10 for customer experience. As a long-standing company, I had high expectations for responsive communication from this industry leader. However, I found too many complaints about unreturned calls and messages, slow response times, and no-show contractors, which is worrying when you need help.

    On the bright side, AHS provides Iowa homeowners with dedicated account managers and multiple ways to get support beyond phone calls. So, if you have issues with one agent, you have backup options to contact, bringing reassurance and faster responses when you need answers quickly. Plus, its standard waiting period before a new policy kicks in is just 30 days, which is much better than other providers that make homeowners wait 60 days or more. During my secret shopping, I also found its website effortless to navigate when getting quotes and comparing pricing for different plans.

    American Home Shield earns a fair 7.7/10 rating from me for its mixed reputation. The company’s low scores on sites like the Better Business Bureau, Trustpilot, and Yelp raise concerns, with complaints about late contractors, unexplained claim denials, and unresponsiveness. These issues are particularly worrisome for Iowa homeowners needing timely help with critical system breakdowns. However, much of the negative feedback appears to stem from misunderstandings over complex policy details, emphasizing the importance of thoroughly examining contract terms before you sign up.

    Despite the concerns, even critical reviewers acknowledge AHS’s strong coverage when things run smoothly, and the company demonstrates commitment by addressing nearly all Trustpilot complaints. To better serve Iowa customers, American Home Shield should focus on streamlining its assistance process and simplifying policies to provide the urgent support homeowners need.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating

    Editor’s Note: The ratings provided were accurate at the time of writing.

    As a Midwest homeowner, I give American Home Shield a solid 8.4/10 rating for its customer experience. While some reviews highlight instances of unreturned calls and messages, AHS takes steps to mitigate these concerns by assigning dedicated account managers and providing multiple contact channels. These actions offer  reassurance and faster responses when you need urgent answers.

    One exceptional feature is American Home Shield’s 24/7 customer service and the ability to file claims at any time, which is crucial for unexpected breakdowns. After submitting a claim, homeowners can easily track its status online, making the experience less stressful. Although some communication mishaps have been reported, AHS’s 30-day waiting period before coverage kicks in is a notable advantage compared to the industry norm. Moreover, the user-friendly website makes it effortless to obtain quotes and compare pricing when selecting a plan that best suits your needs.

    American Home Shield offers its plans to 49 U.S. states (all but Alaska). With near-nationwide coverage, you can expect high-quality, nearby contractors ready to remedy any breakdowns or issues that happen to your home systems and appliances. 

    Best Claims Acceptance

    Choice Home Warranty


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    I like that Choice Home Warranty (CHW) offers Iowa homeowners two clear-cut plans: a comprehensive Total Plan covering nearly all home systems and appliances and a more economical Basic Plan excluding items like air conditioning, refrigerators, washers, and dryers. This straightforward approach simplifies the comparison process, allowing Iowans to choose between comprehensive and essential coverage without navigating complex tiered options.

    I am displeased to see Choice Home Warranty’s low ratings on review sites like Google (1.1 stars) and Yelp (1 star). These scores raise serious concerns about the company’s service quality and claims handling process. These scores suggest a high level of customer dissatisfaction, which should give Iowa homeowners pause before signing up for coverage.

    Another drawback I found is CHW’s fixed $85 technician fee, which you’ll receive regardless of the type of repair needed. While this set fee provides some cost certainty, it can be quite steep for minor fixes, especially compared to other providers that offer tiered service call fees based on the repair type.  

    Choice Home Warranty excels in its high claims approval percentage, surpassing competitors in the home warranty industry. As a long-established provider serving over two million properties nationwide, Choice brings extensive experience in protecting homes when systems or appliances fail. For Iowa residents, getting prompt repairs is crucial, especially when your refrigerator dies right after a large grocery order.

    Choice’s industry-leading claims acceptance rate means that if your covered item malfunctions, you’re more likely to have your claim approved and the issue resolved quickly. The company offers 24/7 customer support, allowing you to file a claim by phone or online at any time. Once approved, technicians typically provide swift repairs, although some delays may occur given Choice’s vast network of over 25,000 contractors — some reviews report isolated “bad apples.”

    One advantage of Choice’s basic plan is that it covers both home systems and appliances, unlike some entry-level options from competitors. The annual coverage caps of $3,000 per item are also decent, exceeding industry averages. However, for Iowans with higher-end or more expensive appliances, other providers like Elite Home Warranty might be worth considering. Despite some poor online ratings, such as 1 star on Yelp and 1.1 on Google, plus the inability to customize plans or choose your contractor, I give Choice Home Warranty a solid 8.6/10 rating.

    I give Choice Home Warranty an impressive 8.3 out of 10 rating for its exceptional plans that strike a perfect balance between comprehensive protection and affordability. By offering two straightforward options — a Total Plan and a Basic Plan — Choice simplifies the decision-making process for Iowa homeowners, helping them avoid the confusing tiers that some providers present.

    The expansive Total Plan covers 18 essential home systems and appliances for less than $55 per month, outperforming the pricing of competitors like Liberty Home Guard and American Home Shield for such inclusive protection. For budget-conscious Iowans, the more affordable Basic Plan still provides coverage for 14 major items, although it excludes air conditioning, refrigerators, washers, and dryers.

    To maximize coverage per dollar spent, I recommend that most Iowa homeowners opt for the Total Plan. While some rivals boast a more extensive array of add-ons, Choice excels in balancing simplicity and cost-effectiveness. During my quote process, I was offered two free months for prepaying annually — a deal that, combined with Choice’s already competitive pricing, makes it one of the most well-rounded and economical home warranty options available in the Hawkeye State.

    PlanMonthly CostService FeeAvailable Discounts
    Basic Plan$46.83$85$50 off and 2 months free
    Total Plan$54.75$85$50 off and 2 months free

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Davenport, IA. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Choice Home Warranty offers the following optional add-ons to Iowa homeowners. Like many other Midwest homeowners, I have a second fridge in my garage. Being able to cover it at a low monthly fee is a great perk. 

    • Central vacuum: $3.33 per month
    • Limited roof leak: $5.83 per month
    • Pool: $15 per month
    • Second Refrigerator: $3.33 per month
    • Septic System: $10 per month
    • Septic Tank Pumping: $5.42 per month
    • Spa: $15 per month
      • Additional Spa: $15 per month
    • Sprinkler system: $8.33 per month
    • Stand-alone freezer: $3.33 per month
    • Sump pump: $3.33 per month
    • Well pump: $8.33 per month

    CHW has the following exclusions in its home warranty plans: 

    • Electrical circuit overloads
    • HVAC components like windows units and underground pipes
    • Plumbing fixtures like shower pans, toilet seats, water heater tanks over 75 gallons

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Choice Home Warranty earns a commendable 8.9/10 rating from me for its affordability, featuring low monthly costs, reasonable service call fees, and solid coverage caps. Both of its straightforward plan options are less than $55 per month, which is noticeably below ‌industry averages. This transparent pricing structure makes it easy for Iowa households to forecast their yearly expenses and budget accordingly.

    While not the absolute cheapest in the market, Choice’s $85 service call fee is a fixed rate that prevents unexpected charges down the line, providing peace of mind for Iowa homeowners. Moreover, the company covers the full replacement value of appliances or systems that break beyond repair rather than offering only the depreciated “book value” that some providers, like Liberty Home Guard, settle for.

    In addition to its budget-friendly monthly premiums, Choice Home Warranty offers extra-value perks that further enhance its affordability. Iowa residents can take advantage of a 30-day, no-questions-asked refund policy when starting a plan, minimizing the risk of trying out Choice’s protection. Furthermore, add-on options cost less than $15 per item, making Choice one of the most cost-effective home warranty companies when it comes to tailoring coverage to suit your specific needs.

    I give Choice Home Warranty a solid 8.4/10 rating for its customer experience. During my secret shopping, getting a quote through Choice was a seamless process. The company’s website makes it easy to preview sample contracts and plan specifics when shopping for coverage. It allows Iowa homeowners to understand exactly what policies include and exclude when weighing their options.

    One of the standout features of Choice Home Warranty is its 24/7 customer support, which is crucial if breakdowns occur overnight or on weekends. Once enrolled, policyholders benefit from reassuring service guarantees, including a 30-day wait period, a 60-day workmanship guarantee, and 90-day parts coverage. These perks are particularly valuable in Iowa, where harsh winters and extreme temperature fluctuations can put extra strain on your home systems.

    However, I did encounter one minor drawback during my research. While the quoting process clearly outlines the different plan inclusions, comparing the final quoted prices requires going through additional checkout steps. I would prefer to see the bottom-line costs sooner. Still, Choice Home Warranty ‌empowers Iowa homeowners to make informed coverage decisions by providing helpful resources and round-the-clock availability. 

    I give Choice Home Warranty a fair 8.3/10 rating for its reputation, which gives me mixed signals. On the positive side, the company’s employees have given it an impressive 4.7 out of 5 stars on Glassdoor, suggesting a positive and ethical workplace culture, in addition to decent scores with the Better Business Bureau and on Trustpilot.

    However, poor 1-star ratings on Yelp dings its credibility. While it’s worth noting that Yelp primarily focuses on restaurant reviews and only has around 250 reviews for Choice. This is in contrast to the nearly 40,000 Trustpilot and 18,000 Google reviews with a 3.7 rating. However, I can’t ignore the dissatisfaction expressed in the negative reviews. 

    So, ​​I encourage Iowa homeowners to carefully weigh this polarizing feedback when considering protection plans, as service shortcomings are likely the main driver behind these negative reviews. While an open Arizona Attorney General lawsuit involving fraud allegations against Choice is a serious concern, I have not factored it into my rating, as the case has yet to receive a judgment, and I believe in considering the company innocent until proven guilty.

    Rating SiteRatingNumber of Reviews

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Today’s Homeowner is aware of a lawsuit in progress against Choice Home Warranty in Arizona. Our team is monitoring the situation and will adjust our scores if a negative judgment is found against Choice. In the meantime, their score is reflective of the company reputation independent from the lawsuit, though you should review the allegations if you have any further concerns.

    Despite mixed reviews, I give Choice Home Warranty’s claims handling process a solid 8.8/10 rating. While numerous customers praise the company for facilitating fast repairs from qualified technicians once a claim is approved, some negative reviews highlight instances of slow contractor assignment and repairs dragging on for days. 

    Choice offers 24/7 claims access by phone or online, which has become the industry standard, but the fine print in sample contracts reveals that delays can occur, with language allowing it up to 48 hours to begin processing claims. Maintaining perfect consistency across a wide network of 25,000 technicians can be challenging, and Choice receives mostly positive feedback on the claims process with a high percentage of accepted claims.

    Choice Home Warranty offers its plans to 48 out of 50 U.S. states, only lacking coverage in California and Washington. With its widespread coverage, you can expect quality, local contractors available to fix your appliances and home systems.

    Best Value

    Select Home Warranty


    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    I like Select Home Warranty’s affordable monthly premiums and service fees. Starting at about $44, SHW is more affordable than all other providers on this list. Plus, its service call fee is one of the lowest in the industry. I appreciate that Select Home Warranty (SHW) includes roof coverage in all its plans, a rare offering in the home warranty industry. Most competitors completely exclude roofs or only offer them as expensive add-ons, but SHW bundles this vital protection affordably into every tier. With Iowa’s heavy snowfall and spring rains, having comprehensive roof coverage provides immense peace of mind. Sealing up leaks before the rainy season can prevent costly water damage, making SHW’s inclusive plans a valuable financial safeguard.

    Additionally, Select simplifies its packages and provides a 90-day repair guarantee, which is 30–60 days longer than many other home warranty companies, making it an attractive choice for Iowans seeking value and reliability.

    One drawback of Select that disappoints me is its limited number of plan add-ons — just nine options compared to the 20–40 provided by leading competitors like Elite Home Warranty and Liberty Home Guard. This lack of customization options may leave Iowa residents with unique home systems feeling unprotected.

    I also don’t like ​​Select’s exclusion of preexisting defects. If you’re unaware of any preexisting problems before enrolling, you could face claim denials later on. To mitigate this risk, I strongly recommend thoroughly inspecting your home and making sure everything is functioning properly before signing up. It’s also worth noting that Select prohibits policyholders from choosing their preferred repair technicians, which can be frustrating for those who have trusted contractors they’d like to work with.

    I give Select Home Warranty a solid 8.4/10 rating for its straightforward and affordable Gold, Silver, and Platinum plans that clearly cover either appliances, systems, or both. This simplified approach makes choosing the right protection easier compared to competitors with confusing plan options. Iowa homeowners looking for financial security without having to research and understand complex plans will appreciate SHW’s value focus.

    Select’s affordability is its standout feature to me, with below-average monthly premiums that beat leading brands like American Home Shield and Liberty Home Guard. Paying less over time can result in significant savings for budget-conscious families. However, it’s important to note that Select’s $3,000 coverage cap per item may not be enough to replace high-end appliances or systems. Before enrolling, weigh the costs of your existing equipment and your monthly budget to make sure you have adequate protection. If you have more expensive or specialized equipment, consider providers like Elite Home Warranty or American Home Shield, which offer higher coverage caps and more customization options.

    I give Select Home Warranty’s coverage options a solid 8.3/10 rating for simplifying choices with distinct appliance, system, and combined plans, allowing Iowa homeowners to easily compare and select what they need. However, I recommend the more comprehensive Platinum plan to everyone. Its single-focus Gold and Bronze bundles have coverage gaps that the Platinum plan fills for just a modest $4 more per month.

    One downside is Select’s ​​lower $3,000 limits, which may not be enough for those with luxury appliances or larger homes. While Select offers fewer optional add-ons compared to some competitors, it delivers budget-friendly, no-frills protection that meets the everyday needs of most Iowans. During my secret shopping, I was pleasantly surprised by discounts such as two free months and $150 off yearly rates.

    PlanMonthly CostService FeeAvailable Discounts
    Bronze Care$44.42$75$150 off (website), two extra months free
    Gold Care$44.42$75$150 off (website), two extra months free
    Platinum Care$47.75$75$150 off (website), two extra months free

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Davenport, IA. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    SHW has the following optional add-ons to its plans. I like the septic system and well pump options as I live in a rural area without city water and sewage, just like many Iowans.

    • Central vacuum: $3.33/month
    • Lawn sprinkler system: $5.83/month
    • Pool: $8.33/month
    • Roof leak: free
    • Septic system: $5.83/month
    • Spa: $5.83/month
    • Stand-alone freezer: $3.33/month
    • Sump pump: $3.33/month
    • Well pump: $3.33/month

    Select Home Warranty has the following industry-standard exclusions to its plans: 

    • Common areas in condominiums or multifamily homes
    • Damage from natural disasters and rust
    • Defects or damages caused by the foundation and structure of the home
    • Incorrect installation or malfunctions due to construction damage or improper wiring
    • Issues with systems or appliances related to hazardous or toxic materials (for example, mold, asbestos, and gas leaks)
    • Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
    • Solar heating systems

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    I give Select Home Warranty an impressive 9.1/10 rating for affordability, as its premiums beat the industry average of $50 to $60 per month, coming in at around $40 monthly with discounts included. This competitive pricing remains consistent across Select’s Bronze, Gold, and Platinum plan options, which protect appliances, systems, or both without the steep upcharges some competitors impose, saving Iowa homeowners money up-front when securing coverage.

    Select Home Warranty also has flexible service fees of $65 or $75, significantly lower than the $100-plus that many competitors charge. Not only can Iowans save on Select’s more affordable plans initially, but they also avoid costly repair visit fees down the road when issues arise. While Select’s $3,000 per appliance coverage caps prevent me from giving a perfect 10/10 score, this limit is still plenty for most homes with standard appliances.

    I give Select Home Warranty a commendable 8.1/10 rating for customer experience, thanks to its refreshingly transparent and quick online quoting process, free of the pressure tactics employed by some competitors. Rather than being bombarded with pushy calls and emails, I was happy to find convenient access to information about Select’s plans, pricing, coverage details, and add-ons online, all presented in plain language during my secret shopping. This straightforward approach empowers customers to educate themselves at their own pace, enabling them to carefully consider which protections best suit their repair risks and budgets.

    I give Select Home Warranty a fair 8/10 rating for its mixed reputation among customers. The company’s Better Business Bureau grade sits at a decent B. Still, online feedback on platforms like Trustpilot and Google fluctuates between praise for helpful customer service, easy signup, and rapid repairs after claim approval and criticism citing low reimbursements on claims, denied coverage, and unskilled technicians performing work.

    That said, I find that dissatisfied customers often shout the loudest online, while happy clients may not leave reviews at all. Select’s lower volume of feedback compared to large competitors like American Home Shield suggests fewer dissatisfied buyers overall. However, the presence of consistent complaints indicates that Select hasn’t consistently wowed households with flawless service. Ultimately, Select Home Warranty’s mixed reputation underscores the importance of thoroughly researching and understanding the terms and limitations of any home warranty plan before commiting.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating

    Editor’s Note: The ratings provided were accurate at the time of publication.

    For Iowa homeowners, filing a claim with Select Home Warranty is relatively straightforward, either through its website or by calling directly. In most non-emergency situations, Select dispatches repair technicians within 48 hours, which is on par with industry standards. However, this response time can feel excruciatingly long if your furnace breaks down in the middle of a frigid winter or your dishwasher won’t turn on after a big family meal.

    Fortunately, Select Home Warranty does offer 24/7 emergency assistance, prioritizing urgent issues like burst pipes or malfunctioning heating systems. This commitment to round-the-clock support ensures that critical failures receive prompt attention, minimizing potential health and safety risks. Nevertheless, the 48-hour response time for standard claims can still lead to uncomfortable situations, such as spoiled food due to a faulty refrigerator or having your dirty laundry pile up too high. So, I give Select a fair 7.6/10 rating for its claims process. 

    Select Home Warranty has full nationwide coverage with its home warranty plans, earning it a perfect 10/10 rating. For Iowa homeowners, you can expect an experienced network of local contractors available to fix issues in your home. 

    Best Customer Ratings

    Elite Home Warranty


    Our Rating

    Limited Time:
    $150 Off + 1 Month Free

    I like that Elite Home Warranty stands out in the industry with its impressive customer satisfaction ratings, consistently earning 4.5 to 5 stars on popular review platforms like Google, Yelp, and Trustpilot. This glowing feedback far surpasses the typical 2 to 3-star reputation of many home warranty providers, highlighting Elite’s commitment to delivering exceptional service and pleasing its clients.

    ​​What I find particularly appealing about Elite is its ability to combine competitive pricing with an extensive range of customization options. While most competitors offer a mere 6 to 12 add-ons, Elite boasts an impressive 26 additional coverage choices, allowing Iowa homeowners to tailor their plans to perfectly balance affordability and financial security. Elite’s unparalleled coverage limits further enhance this flexibility, with up to $10,000 per system and $6,000 per appliance — two to three times higher than the industry average.

    One of my main concerns with Elite Home Warranty is its lack of emergency repair coverage without extra fees. When critical systems like furnaces or pipes fail overnight or on weekends, Iowa households need urgent support to protect against freezing temperatures and weather-related threats. I find Elite’s $150 surcharge for after-hours access unacceptable, especially given the importance of prompt attention in such dire situations.

    I also don’t like that you have to pay additional fees to cover specialty-grade appliances and systems, making Elite’s plans less cost-effective than those of competitors that include these in their plans. Moreover, Elite’s policy of voiding workmanship guarantees if you use your own technician rather than its contractor network seems overly restrictive. As a homeowner, I value the option of choosing contractors I trust to do a good job. Furthermore, after reviewing customer feedback, I’m disappointed to learn that Elite’s claims process can be somewhat frustrating at times, which is an unfortunate drawback for an otherwise customer-focused provider.

    Elite Home Warranty earns my 8.6/10 rating for its industry-leading coverage limits, with caps reaching $10,000 for home systems and $6,000 for appliances. These amounts significantly surpass the typical $2,000-$3,000 offered by competitors like Liberty Home Guard and American Home Shield, providing Iowa homeowners who have high-end equipment with invaluable peace of mind against costly appliance and system repairs.

    Among Elite’s plan tiers, I recommend the Complete package, which covers both appliances and systems, as it offers the most comprehensive protection and value for the majority of Iowa households. With 26 add-ons available to further customize coverage, Elite outshines rivals in terms of flexibility, although certain luxury brands may incur additional fees.

    However, one drawback to consider is that emergency repairs are only available during weekday business hours unless you’re willing to pay a steep surcharge of $150. This can be problematic for urgent failures occurring on nights or weekends. Despite this limitation, Elite Home Warranty’s Complete plan should be a top consideration for Iowans seeking to safeguard their expensive household systems and appliances with the highest coverage limits in the industry.

    Like other home warranty providers, Elite Home Warranty offers appliance-only (Elite Appliance), system-only (Elite Systems), or combined coverage (Elite Complete) plans. However, where Elite truly stands out to me is in its industry-leading coverage caps, which easily earns my perfect 10/10 rating in this category. For appliances, Elite pays up to an impressive $6,000 per claim, doubling the standard $3,000 limits offered by most competitors. Even more remarkable is Elite’s $10,000 systems coverage cap, which is two to three times higher than what many other providers like Liberty Home Guard, American Home Shield, and Select Home Warranty provide.

    I recommend Elite’s Complete plan for Iowa homeowners seeking fully comprehensive protection, as it bundles both appliance and system coverage for only a slight increase in price. With Iowa’s extreme weather constantly putting extra strain on home systems and appliances, these higher coverage limits provide invaluable peace of mind, ensuring that you will get full reimbursements for inevitable repairs and replacements.

    During my secret shopping and speaking to customer service reps, I discovered that Elite offers a 30-day free trial and a $150 discount for those who enroll by phone, making its top-tier protection even more budget-friendly. For Iowans looking to safeguard their high-end systems and appliances from the steep repair bills that can result from the state’s harsh climate, Elite Home Warranty is an outstanding option.

    PlanMonthly CostService FeeAvailable Discounts
    Elite Appliance$48.99$100$150 sign-up, 30-day trial
    Elite Systems$52.99$100$150 sign-up, 30-day trial
    Elite Complete$59.99$100$150 sign-up, 30-day trial

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Davenport, IA. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Elite Home Warranty offers the following optional add-ons for Iowa homes. As someone who relies on their generator to keep their home warm during winter power outages, I appreciate the affordable generator coverage. 

    • Attic exhaust fan: $69.99/year
    • Central vacuum: $49.00/year
    • Effluent pump: $99.99/year
    • Ejector pump: $99.99/year
    • Freestanding freezer: $59.99/year
    • Freestanding ice maker: $59.99/year
    • Freestanding spa equipment: $119.99/year
    • Generator: $99.99/year
    • Geothermal heating and cooling system: $299.99/year
    • Grinder pump: $99.99/year
    • Guest house: $299.99/year
    • HVAC annual maintenance: $299.99/year
    • Jetted/hot tub: $99.99/year
    • Lawn sprinkler system: $99.99/year
    • Lift pump: $99.99/year
    • Limited roof leak repair: $99.99/year
    • Pool & spa equipment: $199.99/year
    • Pool equipment: $149.99/year
    • Premium appliances: $249.99/year
    • Premium benefits: $199.99/year
    • Premium systems: $299.99/year
    • Premium systems plus: $499.99/year
    • Septic system: $129.99/year
    • Service lines: $349.99/year
    • Sump pump: $99.99/year
    • Swamp cooler: $149.99/year
    • Water filtration system: $99.99/year
    • Water softener: $99.99/year
    • Well pump: $99.99/year
    • Wine cooler: $69.99/year
    • A lack of maintenance
    • Acts of God
    • Commercial-grade appliances
    • Cosmetic damage
    • Natural disaster-related damages
    • Units in a rental property

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    I give Elite Home Warranty’s affordability a respectable 8.7/10 rating. Its core monthly premiums, ranging from $45 to $60, generally align with industry standards across its appliance, system, and combined plans. However, during my experience speaking with Elite’s phone representatives, I found them frustratingly vague when I asked about the company’s add-on fees. This lack of transparency makes it challenging for Iowa homeowners to accurately compare plans and budget for long-term costs.

    While Elite’s $100 basic service call fee seems reasonable and on par with competitors like American Home Shield, I discovered several notable fine-print charges that can quickly drive up expenses once you enroll. These include $150 surcharges for weekend or emergency service and $150 per visit for access to premium brand technicians. However, it has industry-typical $15 to $20 monthly for add-ons. On a positive note, Elite does offer a free monthly trial and cancellation periods, allowing customers to vet plans risk-free firsthand. However, the lack of details online and over the phone about add-on costs is somewhat concerning to me and likely to Iowans, who value predictable budgets and total price transparency up-front.

    I give Elite Home Warranty’s customer experience a fair 7.6/10 score due to the difficulties I encountered with its website, which stands in stark contrast to other providers in the industry. Unlike many of its competitors, Elite does not offer transparent online pricing or quotes, requiring potential customers to call in for even basic premium estimates. Furthermore, the company’s add-on fees are hard to find and only listed as a yearly price, making accurate monthly budgeting a challenge for Iowa homeowners.

    This lack of transparency and the need to phone representatives for essential information creates unnecessary friction in the comparison shopping process, which may turn some Iowans away. When I called to inquire about pricing, I felt that the customer service representative wasn’t entirely forthcoming about the additional costs, further compounding my frustration. However, despite these initial digital hurdles, Elite Home Warranty does boast numerous positive customer reviews and awards, indicating that most homeowners are satisfied with the company’s responsive support and coverage once enrolled.

    I give Elite Home Warranty an 8.3/10 rating for its reputation despite being an emerging player in the industry with limited online feedback. While the company currently has fewer than 200 combined reviews on Yelp and Trustpilot, which slightly lowers its reputation score, Elite’s strong A+ Better Business Bureau rating offsets any concerns I had over its small review pool.

    Considering Iowa’s harsh winters that place extra wear and tear on household systems, Elite’s attentive support brings peace of mind to homeowners. Recent praise centered on claims and service suggests the company empowers technicians to provide quality repairs while regularly checking in to ensure households feel supported. Other positive reviews highlight the company’s claims handling, budget-friendly prices, and outstanding service. Most negative reviews focused on contractor scheduling hiccups, which may be indicative of early growing pains rather than negligence. Other unfavorable reviews seem to stem from customer misunderstandings rather than systemic issues when I read between the lines.

    Rating SiteRatingNumber of Reviews
    BBBA+Customer Reviews are not used in the calculation of BBB Rating

    Editor’s Note: The ratings provided were accurate at the time of writing.

    I give Elite Home Warranty ‌a fair 6.8/10 rating for its ​​claims process. On the positive side, the company allows homeowners to file claims 24/7 online or by phone, which has become standard practice in the industry. This means Iowa residents can file a claim at any hour, providing a sense of security when issues arise outside of normal business hours.

    However, unlike leading providers, Elite uniquely excludes crucial after-hours emergency coverage without an extra $150 fee. This policy can leave Iowans vulnerable to urgent breakdowns, such as burst pipes during frigid winter nights or AC failures amid sweltering summer heat waves. I expect true round-the-clock assistance from industry leaders without such exceptions or charges, especially considering how critical these scenarios can become for both property and personal health.

    For non-emergency claims, Elite falls back in line with competitors, with contractors arriving within 24 to 48 hours during normal business days. While this response time is acceptable, it’s not exemplary, and the company’s approach to emergencies is a significant drawback. In this regard, I expect more from EHW. 

    Elite Home Warranty is available in 46 U.S. states, including Iowa. With its wide-spanning coverage, you can expect experienced contractors nearby, ready to fix issues in your home. 

    Calculate the Cost of Iowa Home Warranty

    Use our below calculator tool to estimate the yearly cost of a new home warranty plan for your Iowa home. Just type in the monthly premium, service call fee, and estimated number of service visits per year. Then, the calculator will provide your estimated annual cost for a new home warranty. 

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    Iowa Home Warranty Regulations

    Iowa’s Insurance Division (IID) oversees home warranty providers operating in the state. To ensure companies follow proper practices, the IID enforces regulations set forth in Iowa’s Chapter 523C insurance code. One key rule under section 523C.5 is that home warranty providers must meet certain financial criteria, like keeping a reserve fund, to be licensed to sell service contracts to Iowans.

    If you feel your home warranty company isn’t honoring its obligations under your contract, you have the right to file a complaint directly with the IID. The division can investigate the matter and help resolve any issues with the provider not abiding by Iowa’s home warranty regulations.

    Editor’s Note: While this article highlights certain regulations, it is vital for readers to do their own research, as the mentioned regulations are not exhaustive.

    Iowa Home Warranty News

    Recent news in Iowa has highlighted a concerning scam involving fraudulent postcards claiming to be from a “County Deed Records/Home Warranty Division.” These postcards falsely notify homeowners about supposed home warranty replacements, urging immediate action to avoid lapses in coverage and‌ costly repairs. Greene County Recorder Deb McDonald has confirmed that this information is not legitimate, and the Iowa County Recorders Association, in partnership with Iowa Land Records, has also validated these findings.

    Iowa homeowners should be vigilant and cautious when receiving unsolicited mailings about home warranty services. If you receive a suspicious postcard, do not contact the sender, make any payments, visit their website, or return any mailings. To ensure your home is properly protected, it’s best to work with reputable home warranty providers, like the five providers I recommend in this guide. By choosing one of these vetted providers, Iowa residents can have peace of mind knowing they are working with a legitimate company that will honor their service agreements.

    Our Top Pick
    Best for Customization
    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage
    Best Coverage Limits
    American Home Shield Logo
    Limited Time:
    40% Off Our Most Popular Plan
    Best Value
    select home warranty logo
    Limited Time:
    $150 Off (Code HOUSE25)
    Best Customer Ratings
    Limited Time:
    $150 Off + 1 Month Free

    Frequently Asked Questions

    Do You Need a Home Warranty in Iowa?

    With Iowa’s harsh winters and hot, humid summers putting extra strain on home systems and appliances, a home warranty can provide valuable protection against unexpected repair costs. Iowa’s aging housing also makes a home warranty especially worthwhile to safeguard against breakdowns.

    How Much Does a Home Warranty Cost in Iowa?

    The average cost of a home warranty in Iowa is around $500–700 per year, or about $40–60 per month. However, prices can vary based on the coverage options you select, the plan you choose, and the provider you choose, so it’s important to compare prices and plans carefully to find the most affordable home warranty for your needs.

    How To Save Money When Shopping for Home Warranties In Iowa?

    To get the best rates on home warranties in Iowa, I recommend getting quotes from at least 3–4 top providers online and over the phone and carefully comparing the coverage and costs. Look for special promotions or discounts, and don’t be afraid to negotiate with sales representatives to see if they can offer any additional savings.

    Is a Home Warranty Worth It for Iowa Homeowners?

    A home warranty is worth it for Iowa homeowners because it can save you thousands on unexpected repair or replacement costs for critical home systems and appliances. Especially with Iowa’s weather extremes and many homes being older, having home warranty coverage in place often proves to be a wise investment that more than pays for itself.

    Other Resources for Iowa Homeowners

    Best Home Warranties by State








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    Editorial Contributors
    avatar for Jonathon Jachura

    Jonathon Jachura


    Jonathon Jachura is a two-time homeowner with hands-on experience with HVAC, gutters, plumbing, lawn care, pest control, and other aspects of owning a home. He is passionate about home maintenance and finding the best services. His main goal is to educate others with crisp, concise descriptions that any homeowner can use. Jon uses his strong technical background to create engaging, easy-to-read, and informative guides. He does most of his home and lawn projects himself but hires professional companies for the “big things.” He knows what goes into finding the best service providers and contractors. Jon studied mechanical engineering at Purdue University in Indiana and worked in the HVAC industry for 12 years. Between his various home improvement projects, he enjoys the outdoors, a good cup of coffee, and spending time with his family.

    Learn More

    photo of Andrew Foligno

    Andrew Foligno

    Andrew Foligno is an editor for Today’s Homeowner, with over 6 years of experience working in digital marketing. He started his career as a content writer at an agency, covering industries such as HVAC, plumbing, painting, lawn care, and more. Soon, he was promoted to an editor position where he oversaw a team of writers before moving on to other facets of digital marketing. When he isn’t working, Andrew enjoys going to the gym to be active, as well as going to the movies to unwind.

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