Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Find the best home warranty company for you. Owning a home in Cedar Rapids has many great advantages, but there are, of course, some downsides too. The humid weather can cause problems in a home and destroy some systems and appliances.
A home warranty in Cedar Rapids can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that stop working due to normal wear and tear. Finding the best home protection plan for your Cedar Rapids home can be difficult, so our team at Today's Homeowner did the research to help you find the top home warranty in Cedar Rapids for your home. Keep reading for our home warranty company recommendations.
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty for Cedar Rapids residents. Choice has more than 15 years of industry experience and in that time has built a a skilled network of service technicians nationwide. The 2 policies that Choice offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice's plans are around the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our comprehensive review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Cedar Rapids. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to understand and offer a mix of both system and appliance coverage.
Select Home Warranty offers 3 plans for Cedar Rapids homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are a reasonable $60.
To read more, visit our full review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield offers the most customizable home warranty in Cedar Rapids. AHS has more than 26 years of experience in the industry and in that time has built a a skilled network of service professionals nationwide. If you're looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process and policy coverage easily understandable.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500.
Read more by visiting our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Cedar Rapids, The Home Service Club is the best home warranty with the quickest service. The 2 plans that HSC offers include options for appliance and system coverage. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, you'll want to have this plan on your side. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are customizable and range from $65 to $90.
For more information, read our comprehensive review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Cedar Rapids. Liberty has been on the market for around 6 years, making it a well-respected company in the industry. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty offers 3 plans for you to decide between.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Cedar Rapids area.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For a more detailed breakdown, read our full review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Cedar Rapids residents. First American has been in the home warranty business for over 39 years. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 policies that First American offers include options for appliance and system coverage.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $85.
For a more detailed breakdown, read our First American Home Warranty full review. To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee in Cedar Rapids. Cinch has been in the home warranty business for around 44 years. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 policies that Cinch offers include options for appliance and system coverage.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Cedar Rapids area.
For a more detailed breakdown, read our review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,827 |
| Heating | $3,884 |
| Electrical | $583 |
| Toilets | $486 |
| Washer/Dryer | $777 |
| Plumbing | $583 |
| Oven | $1,554 |
| Fridge | $583 |
A home warranty is a protection plan for home systems and appliances. When your refrigerator stops working, and the repair costs several hundred dollars, a home warranty will ensure that all you have to pay is a predetermined service fee. Home warranty companies usually don't require an inspection, and coverage generally goes into place about 30 days after making your first payment.
Filing a claim with your home warranty company is simple. There will be an online portal or a direct phone number to request service for a repair or replacement.
At this point, you'll pay your service fee, which is generally between $60 and $150, depending on what plan you have. After the service fee is paid, a repair person will come to your home, assess the issue, and repair it. As long as the repair is covered under the warranty and the coverage cap is not reached, most homeowners will not have any other out-of-pocket costs .
A home warranty plan provides coverage on your home's major appliances and systems and it can help cut back on your home maintenance expenses. Common appliances covered by a home warranty include a washer, microwave, refrigerator, dishwasher, dryer, garbage disposal, and more. The systems that are usually covered will be heating, electrical systems, air conditioning, and plumbing.
Add-on coverage will vary from one plan to another, but you can expect to see add-ons like sump pumps, central vacuums, pools, electronics, roof leaks, and spas.
A home warranty will only protect against normal wear and tear. If you are experiencing cosmetic issues with appliances or you have not properly maintained your home systems and appliances, the home warranty will not cover it. Also, pre-existing conditions, natural disasters, and intentional breakages are not covered with a home warranty.
Home warranties are an affordable way to guard your home systems and appliances from normal wear and tear. With temperatures in Cedar Rapids hitting an average high of 58℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system break down.
Additionally, having a Cedar Rapids home warranty can make your house more appealing to potential homebuyers if you ever decide to sell in the future. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you've been getting.
There are also some downsides to purchasing a home warranty plan, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Additionally, if you don't maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
Now that you're ready to purchase a home warranty policy, the first step is thinking about what items you want coverage for. From there, you can compare your options and call different home warranty companies to get a free quote. Here is a list of factors that you'll want to be mindful of when selecting a home warranty provider:
The best home warranty provider in Cedar Rapids is Choice Home Warranty. Choice Home Warranty has a large network of professional service technicians and a great reputation in the Cedar Rapids area.
A home warranty covers the normal wear of systems and appliances in a home. A homeowners insurance plan protects the entire home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new refrigerator or stove, unless the damage is a result of a natural disaster, which are somewhat common in Cedar Rapids.
A home warranty policy can help homeowners, home sellers, real estate agents, investors, and homebuyers. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty plan can protect you from expensive repair bills, but only if you buy a good quality plan from a reputable company. When deciding which home warranty company to purchase a plan from, you should evaluate things like its customer service and availability in your area. In addition, you should take into account the type of coverage the company offers and what appliances and systems are covered. Homes that have new appliances or systems can get by on a plan with less coverage.
Many homeowners feel like a home warranty is worth it because it helps protect against unforeseen expenses, and saving money is important with the cost of living going up in Cedar Rapids. If you're worried about your budget and home maintenance, getting a home warranty can help. One of the major advantages of a home warranty is that it can give you some financial peace of mind.
A home warranty policy can cost on average around $300 to $800 a year in Cedar Rapids. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.
When living in a city like Cedar Rapids, you may be wondering if issues like natural disasters are covered under a home warranty. Home warranties usually don't cover damage from intentional breakage, natural disasters, or lack of proper maintenance.
