Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By Todays Homeowner Local Pros
Last Updated May 2023
Considering getting a home warranty? One of our top home warranty providers can help. Waterloo is a great place to have a home. However, along with all the benefits of homeownership, there are typically a few negatives, too. One of the biggest headaches for many homeowners is that systems and appliances can malfunction suddenly.
A home warranty policy can help protect homeowners by covering major repairs and replacements on your home's appliances and systems. Even though a home warranty can help with your expenses as a homeowner, one issue is narrowing down the right choice for your Waterloo home. That's why we've done the research and have made a guide of the best home warranty options in Waterloo.
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 Waterloo, Choice Home Warranty is the best overall home warranty. Choice has over 15 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 simple plans, making the selection process easy.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Choice's service fees are an affordable $85, and the coverage caps come out to about $3,000 for each covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our detailed review of Choice Home Warranty to learn more.
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 for Waterloo residents. Select has been in the home warranty business for over 11 years. The 3 plans from Select are easy to comprehend and have a mix of both system and appliance coverage. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000.
To receive a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our Select Home Warranty Review.
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 Waterloo. AHS has around 26 years of industry experience and in that time has built a an expansive network of service technicians nationwide. The 3 policies that AHS offers include differing levels of system and appliance coverage, as well as add-on 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 provide a mix of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $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
The Home Service Club offers the best home warranty with the quickest service for Waterloo residents. HSC is a home warranty provider with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 policies that HSC offers include options for appliance and system coverage.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. HSC's service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 per covered system or appliance.
To get a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our detailed review of The Home Service Club.
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
In Waterloo, Liberty Home Guard is the most trustworthy home warranty. Liberty has over 6 years of experience in the home warranty industry, and has provided exceptional customer service at an affordable cost to its customers. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders with various options for appliance and system coverage.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty's service fees are an affordable $75, and the coverage limits come out to around $3,000 per covered appliance or system.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. For a more detailed breakdown, read our 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 in Waterloo. First American is a home warranty provider with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. First American has 2 simple plans, making the selection process and policy coverage easily comprehensible. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the company. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our 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
Cinch Home Services is the home warranty with the best workmanship guarantee in Waterloo. The home warranty provider offers 3 plans to policyholders, which have various options for appliance and system coverage. 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 plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Waterloo area.
Read our detailed review of Cinch Home Services to learn more. To get a free quote from Cinch Home Services, you can fill out this online form or call 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 | $5,846 |
| Heating | $3,897 |
| Electrical | $585 |
| Toilets | $487 |
| Washer/Dryer | $779 |
| Plumbing | $585 |
| Oven | $1,559 |
| Fridge | $585 |
A home warranty is a protection plan for home systems and appliances. When your refrigerator stops working, and the repair will cost several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty companies typically don't require an inspection, and coverage generally goes into place about 30 days after purchasing the policy.
When you have a system or appliance that has an issue, you file a claim with your service provider. You can do so in an online portal or by calling customer support, and then a contractor will come and fix the problem.
At this point, you'll pay a service fee, which is typically between $60 and $150, depending on what plan you have. Once the service fee is paid, a service technician will come to your home, assess the issue, and repair it. If the repair is covered by the warranty and it's within the coverage cap, most homeowners will not have any other out-of-pocket costs after the service fee is paid.
A home warranty plan will cover your home's systems and appliances from normal wear. Appliances covered under a home warranty plan are the dryer, refrigerator, dishwasher, garbage disposal, microwave, and more. Systems that are covered include electrical systems, plumbing, heating, and air conditioning.
Add-on coverage will vary from one plan to the next, but you can expect to see add-ons like roof leaks, pools, sump pumps, electronics, spas, and central vacuums.
An important thing to consider is that home warranties only cover normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, misuse, cosmetic damages, and lack of maintenance are not included in the home warranty policy.
Waterloo's cold winters can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty can help cover your home's appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
In addition to saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the pain of trying to find a qualified technician to visit your home. Home warranties usually have a network of pre-vetted technicians who can handle any repair issues you may come across.
One disadvantage of signing up for a home warranty is that there are generally exclusions. For example, if you already have a manufacturer's warranty on one of your appliances, it may not be included in the home warranty, so it's important to read over any contracts you're considering thoroughly to understand what is included and what isn't.
Another stipulation is that home warranties usually only cover repairs needed due to normal wear and tear. They commonly won't cover systems or appliances that need repairs or replacements due to natural disasters, animal infestations, improper maintenance, etc.
After reviewing home warranties in Waterloo, the next step is to determine which company you'd like to get a free quote from. Below is a list of some factors to consider when buying a home warranty in Waterloo:
The best home warranty company in Waterloo is Choice Home Warranty. Choice Home Warranty has a large network of experienced contractors and a tremendous reputation in the Waterloo area.
A home warranty is a service contract that covers repairing and replacing your major home system components and appliances.
The kind of home warranty you should look for depends on what is important to you. A cheaper plan may have higher service fees and deductibles, while a costlier plan may provide more coverage and have lower service fees. If you have a home that is on the older end and therefore may have older systems, you may want to get a higher-coverage policy. The company's reputation and available plans are the main two things to research when choosing a home warranty company.
Home warranty plans typically provide coverage for a year. Many providers let you renew your plan each year, which can be beneficial in Waterloo for more protection against something like your heater or A.C. breaking down when you require it the most.
Owning a home can be expensive, especially with the cost of living in Waterloo getting higher and higher. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty in place, you won't have any costly hits to your bank account for home maintenance.
In general, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Waterloo, where the median home value is $146,137, when the seller pays for the home warranty can save you some money on your new home.
Home warranties typically will not cover problems due to natural disasters, lack of proper maintenance, pre-existing conditions, or intentional breaking of an appliance. The policy only covers damage from normal wear and tear. Although it doesn't cover all kinds of damage, a home warranty can still be beneficial for helping you save some money in a city like Waterloo.
