Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Homeownership in Sioux Center comes with quite a few benefits, but it also comes with worries and concerns. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty can give you the peace of mind you need and safeguard your bank account from unexpected expenses by covering your home’s major systems and appliances.
The home warranty market is saturated with many providers — all with different plans — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Sioux Center.
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
Won’t cover known or unknown pre-existing conditions
In Sioux Center, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty industry for around 6 years. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. Liberty offers a seamless complaint process and guaranteed service professionalism upon every repair visit. Plus, it also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that offer a mix of system and appliance coverage. Service fees from Liberty are an affordable $75. The coverage caps are also about $3,000 at the maximum.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. For more information on this provider, read our full review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
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
In Sioux Center, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for around 15 years. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from Choice are an affordable $85. The coverage caps are also about $3,000 at the maximum.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For more information on this provider, read our full 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
In Sioux Center, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for around 11 years. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. 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.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. Service fees from Select are a reasonable $60. The coverage caps are also about $2,000 at the maximum.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. For more information on this provider, read our full review of Select Home Warranty.
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
In Sioux Center, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for around 26 years. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also about $2,500 at the maximum.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. For more information on this provider, read our full review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
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
In Sioux Center, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty industry for around 39 years. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. First American offers very affordable and comprehensive appliance coverage. Plus, 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.
First American Home Warranty has 2 plans that offer a mix of system and appliance coverage. Service fees from First American are a reasonable $85. The coverage caps are also about $1,500 at the maximum.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. For more information on this provider, read our full review of First American Home Warranty.
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
In Sioux Center, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for around 44 years. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options. 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.
Cinch Home Services has 3 plans that offer a mix of system and appliance coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also about $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. For more information on this provider, read our full review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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 Sioux Center, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for around 15 years. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that offer a mix of system and appliance coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also about $2,000 at the maximum.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. For more information on this provider, read our full review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage 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 | $5,701 |
| Heating | $3,800 |
| Electrical | $570 |
| Toilets | $475 |
| Washer/Dryer | $760 |
| Plumbing | $570 |
| Oven | $1,520 |
| Fridge | $570 |
A home warranty is a protection policy that assists Sioux Center homeowners reduce the high costs of household repairs. These plans provide financial protection to repair or replace appliances and systems that break down from normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty gives peace of mind to homeowners, as it helps prevent expensive emergency repairs. Home warranties are the most useful for owners of older homes or homes with aging systems. New homes with up-to-date appliances might not require a home warranty.
Home warranties protect many household systems and appliances. Typical covered appliances include dryers, dishwashers, microwaves, washers, refrigerators, garbage disposals, and others. Protected systems include air conditioning, electrical, heating, and plumbing. Various home warranty plans offer extra coverage for central vacuums, septic systems, roof leaks, and even locksmiths. Sioux Center homeowners should know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as pre-existing conditions, cosmetic issues, natural disasters, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to ensure that your next repair or replacement will be covered by the policy.
Before signing a home warranty contract, you should understand key terms like:
There are several important factors to consider when choosing a home warranty provider:
Home warranty coverage can have major differences in what's included. Most plans include protection for heating, AC, electrical, plumbing, and appliances. More inclusive options also offer coverage on other items such as spas, roof leaks, well pumps, and pools. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's rating gives insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Complimentary reviews and ratings indicate a company known for stellar service.
Home warranty providers use networks of local repair contractors to manage repairs in a given area. Contact potential businesses to ask how many repair technicians they have in Sioux Center and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks improve the chance of getting qualified contractors to swiftly service your home.
Some home warranty companies provide extras such as smart home device protection, maintenance discounts, and energy efficiency upgrades. These perks add value beyond repair coverage. Added bonuses help maximize the usefulness of the home warranty.
Home warranty policies are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Sioux Center reaching an average high of 57℃F, you may find that some appliances, like your air conditioner, get a lot of use. A home warranty can significantly bring down out-of-pocket costs should your HVAC system stop working.
In addition, having a home warranty can save you some time by eliminating the need to research service technicians — most providers will send a trusted professional right to your door to complete the repair or replacement. In addition, though home warranty companies vary, some providers will allow you to transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
There are also some drawbacks to purchasing a home warranty policy, such as the coverage exclusions. For instance, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another thing to bear in mind is that some companies don’t cover pre-existing conditions and may require an inspection before your coverage can begin. Ask the home warranty provider for clarification about this if you need more information or if this is a problem for you.
A home warranty in Sioux Center can cost between $30 and $60 a month. The higher-priced plans typically have broader coverage, higher coverage limits, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also decrease your up-front costs when you agree to a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty helps protect against normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of a situation such as a natural disaster or fire. With homeowners insurance, you will not be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster, which is somewhat common in Sioux Center.
First-time homebuyers, real estate agents, homeowners, home sellers, and landlords are all eligible for home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
A home warranty policy will cover your appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you're concerned about one more than the other.
Generally, a home warranty plan offers coverage for a year and can be renewed annually. Some companies may offer month-to-month plans.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Sioux Center is $311,507, a home warranty can save you some money when buying a home.
