3 Best Home Warranty Companies in Iowa (2022)

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If you’re looking for the best home warranty in Iowa, we’ve provided our recommendation of three home warranty companies that can protect your repair budget. | Photo credit: Adobe Stock

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

A home warranty, also called a residential service contract, doesn’t cover every type of home repair bill, but it comes in handy when a covered appliance or system breaks down from normal wear and tear. An Iowa home warranty could save you hundreds or thousands on home maintenance if you’ve got one at the right time.

We’ve sorted through many home warranty reviews, rates, and plans to help identify the best home warranty companies available to homeowners in Iowa. The following companies offer their service contracts throughout the state and have different levels of coverage depending on what your home needs. Consider your budget and the state of your home’s systems and appliances, and continue reading to find the home warranty that fits you.

In this article:


Best Overall: American Home Shield

Quick Take

For Iowa homeowners, American Home Shield offers the best and most comprehensive home warranty coverage available. The company’s three plans cover 14 major home systems, nine appliances and additional items. What’s more, you’ll get coverage beyond wear and tear damage. American Home Shield covers items that break down from insufficient maintenance, improper installation or repair, rust, sediment or corrosion. You’ll even be covered in the case of unknown pre-existing conditions. 

Pros and Cons

Has been in business since 1971

Covers duplicate appliances

Offers customizable premiums and deductibles

Is more expensive than other companies’ plans

Doesn’t offer many add-on coverage options

Features an average workmanship guarantee 

Plans and Coverage

American Home Shield offers three home warranty plans to customers throughout Iowa. The ShieldSilver plan covers 14 home systems like heating, plumbing and interior electrical lines. The ShieldGold plan covers these major systems as well as nine key appliances, both in the kitchen and elsewhere. The ShieldPlatinum plan covers all these items and adds HVAC tune-ups, roof leaks and code violation upgrades.

Along with any of these plans, you can purchase optional coverage for pools/spas, septic pumps, well pumps and guest units of up to 750 sq. ft.

CoverageShieldSilverShieldGoldShieldPlatinum
Roof leak repairs  
Air conditioner
Heating unit
Ductwork
Built-in exhaust, vent and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor and components
Water heater
Refrigerator 
Range/cooktop 
Oven 
Dishwasher 
Built-in microwave oven 
Garbage disposal 
Instant hot/cold water dispenser 
Clothes washer 
Clothes dryer 

Cost

With a home warranty, you’ll pay a set price for every month or year of your service contract, whether you use it or not. This is called a premium. Additionally, every time the provider sends a technician to diagnose or repair a problem, you’ll pay a service call fee, also called a deductible, directly to the technician. However, if the damage is covered by your home warranty, this is all you’ll pay; the provider will cover the remainder of the repair or replacement costs.

American Home Shield allows you to determine your monthly premium based on a service fee of $75, $100 or $125. If you choose a lower deductible, your premium will be higher and vice versa. Here are the prices we were quoted for a home of about 2,000 sq. ft. in Dubuque, IA.

Plan$75 Service Fee$100 Service Fee$125 Service Fee
ShieldSilver$89.99$79.99$74.99
ShieldGold$99.99$89.99$84.99
ShieldPlatinum$119.99$109.99$104.99

Get a Free Quote

To find out how much an American Home Shield plan will cost you, call 844-529-9298 or fill out this quick online form.


Most Customizable Plan Options: America’s First Choice Home Club

Quick Take

Not all homes are alike, so not all home warranties should be alike. America’s First Choice (AFC) Home Club offers some of the most customizable protection plans available. With AFC Home Club, you’ll have your choice of four plans. 

You can also pick from one of three premium-deductible combinations and 11 add-on options. You don’t even need to sign a contract to be eligible for coverage, though you can save money by opting for a one-year or three-year contract.

Pros and Cons

Guarantees repairs for the length of your contract (up to three years)

Allows you to choose your own contractor with prior approval

Locks in rates as long as you renew

Only covers plumbing stoppages in premium plan

Requires maintenance records for HVAC coverage 

Has a $75 contract cancellation fee

Plans and Coverage

AFC Home Club’s Systems Plan covers your most important home systems, and its Silver Plan covers home appliances. The Gold Plan covers both and includes ductwork. The Platinum Plan covers all of the above plus built-in microwaves, faucets, ice makers and plumbing stoppages.

If you have a tankless water heater, in-ground pool, stand-alone freezer, sump pump, double oven, central vacuum, hot water dispenser, septic system or well pump, you can pay a little extra each month to get these items covered. If you choose the Systems, Silver or Gold Plans, you can also add coverage for an ice maker or microwave, which are only covered by default under the Platinum Plan.

CoverageSystems PlanSilver PlanGold PlanPlatinum Plan
Air conditioning 
Heating 
Water heater 
Electrical system 
Plumbing system 
Ductwork  
Clothes washer 
Clothes dryer 
Kitchen refrigerator 
Oven 
Range 
Dishwasher 
Garbage disposal 
Garage door opener 
Plumbing stoppages   
Built-in microwave   
Ice maker   
Faucets   

Cost

AFC Home Club lets you choose from a service call fee of $75, $100 or $125. You can also choose between a one-year contract, a three-year contract, or month-to-month payments only. The following prices apply to a one-year contract with a service fee of $100.

PlanMonthly CostAnnual Cost
Systems Plan$40.50$432
Silver Plan$33.75$351
Gold Plan$47.25$513
Platinum Plan$51.75$567

Get a Free Quote

Enter your contact information in this easy form or call 877-755-1115 to get a free quote from AFC Home Club.


Best for Value Shoppers: Select Home Warranty

Quick Take

Select Home Warranty rounds out our list with its highly affordable pricing structure. Its three plans make it easy to protect your budget from expensive repairs resulting from normal wear and tear to your home. The company’s customer service representatives can chat with you directly on the website to help you find the best plan for your home. All of Select Home Warranty’s plans come with free roof leak coverage, and it’s the only company on our list that will cover lawn sprinkler systems.

Pros and Cons

Costs less than $50 a month at every plan level

Offers free roof leak coverage

Provides two months free with annual payment

Has lower coverage caps than other companies

Only covers plumbing stoppages with premium plan

Requires you to cancel auto-renew plan in writing

Plans and Coverage

Select Home Warranty’s Bronze and Gold Care plans come with the same premium price. Bronze Care applies to home appliances while Gold Care applies to home systems. The Platinum Care plan covers both systems and appliances, plus garage door openers, ceiling fans and plumbing stoppages.

With any of these plans, you can also purchase coverage for a lawn sprinkler system, central vacuum, pool, septic system, spa, stand-alone freezer, sump pump or well pump.

CoverageBronze CareGold CarePlatinum Care
Limited roof leak
Air conditioning 
Ductwork 
Electrical system 
Heating system 
Plumbing system 
Water heater 
Cooktop 
Dishwasher 
Garbage disposal 
Built-in microwave 
Refrigerator  
Stove/oven 
Clothes washer 
Clothes dryer 
Garage door openers  
Plumbing stoppages  
Ceiling fans  

Cost 

Select Home Warranty also offers a relatively low service fee of $75 with all its plans, and annual payment comes with an extra two months of free coverage.

PlanMonthly CostAnnual Cost
Bronze Care Plan$41.67$449.99
Gold Care Plan$41.67$449.99
Platinum Care Plan$46.08$499.99

Get a Free Quote

For a free quote from Select Home Warranty, fill out this simple online form or call 888-370-3956.


Our Verdict

Overall, we find that American Home Shield offers the best combination of value and comprehensive coverage. While it is a more expensive option, you’ll be covered in case of breakdowns from more than just wear and tear damage. 

American Home Shield is also the longest-running provider on our list, having essentially created the home warranty industry in 1971, so you’ll have the peace of mind of knowing that the company isn’t going anywhere.

However, American Home Shield may not fit in your budget, and all of the other options on our list also provide impressive home warranty coverage. Each of these companies offers sample contracts and free instant quotes online, so you can quickly find out who offers the best coverage for you. 


Frequently Asked Questions About Iowa Home Warranties

How much does a home warranty cost in Iowa?

Nationwide, home warranties tend to cost between $30 and $75 a month or $360 and $900 a year. Iowa home warranty costs fall on the lower end of the national average, at about $35-$55 a month. However, this range can vary even within the state. A homeowner in Des Moines may pay a different rate than one in Cedar Rapids, so be sure to gather some personalized quotes when doing your research.

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

Homeowners insurance covers your home and possessions from catastrophic events, like extreme weather events, fire, earthquakes or robbery. However, home warranties cover the types of breakdowns from years of using a vital system or appliance. Hopefully, you’ll never have to use your homeowners’ insurance. You’re far more likely to use a home warranty as covered items wear out in the course of everyday use.

What are some typical home warranty exclusions?

Unless otherwise specified, home warranties apply only to wear and tear damage to a covered item, so cosmetic defects, accidental or intentional damage and damage resulting from neglecting the item are excluded from home warranty contracts. Additionally, not every part of a covered item falls under your warranty terms. Usually, things like knobs, dials and grills are excluded. Always read the terms of the contract very carefully to know what is and isn’t covered.

Do I need a home warranty if I’m not buying a home?

Although home buyers and sellers are most often the customers for a home warranty, homeowners can benefit from these contracts at any stage of ownership. You don’t have to be involved in a real estate transaction to protect your budget from large repair bills.

Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.

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