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Best Home Warranty Companies in Iowa: Comprehensive Guide for 2025

Iowa homeowners can benefit greatly from a home warranty, which protects home systems and appliances against costly repairs. In this comprehensive guide for 2025, we’ll explore the top 10 home warranty providers in Iowa, highlighting their pricing, coverage, and standout features. Whether you’re a long-time homeowner or new to the state, this guide will help you find the perfect plan.

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Top 10 Home Warranty Providers in Iowa

Here is the list of the best home warranty companies in Iowa:

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1

Elite Home Warranty
fourhalf_star 4.9/5

Elite Home Warranty
  • Premium
    -
    $44.99 - $59.99
  • Deductible
    -
    $0 & $70
  • Coverage Limit
    -
    $7,000
Call Now
Offers
$200 OFF and 1 Month Free. 30-Day Free Trial.
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48
States Covered
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Accredited Business
BBB Rating
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$15,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Elite Home Warranty offers highly customizable plans, covering essential systems like HVAC, plumbing, and electrical, alongside significant appliances such as refrigerators, dishwashers, and washing machines. Optional add-ons include coverage for roof leaks, pools, and septic systems.
  • Price: Plans start at $40 per month, with optional add-ons priced separately.
  • Service Fee: Service fees range between $75 and $125.

Why We Picked Elite Home Warranty

Elite Home Warranty’s flexibility and personalized approach make it the top choice for Iowa homeowners. The ability to customize coverage ensures that homeowners only pay for what they need, making it a cost-effective option.

Additionally, Elite is known for its fast claim processing and excellent customer service. Their commitment to transparency and customer satisfaction solidifies their spot as the leading provider in Iowa.

2

Home Warranty of America
fourhalf_star 4.2/5

Home Warranty of America
  • Premium
    -
    $275 - $695
  • Deductible
    -
    $75 - $100
  • Coverage Limit
    -
    $400
Call Now
Offers
$150 Off + 1 Month Free*
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Offers two main plans—Premier and Premier Plus—covering essential home systems and appliances.
  • Price: Monthly plans range from $44 to $60, depending on coverage level.
  • Service Fee: Typically between $75 and $125 per service call.

Why We Picked Home Warranty of America

Home Warranty of America (HWA) stands out for its nationwide coverage and commitment to protecting homeowners against unexpected repair costs. Their plans cater to a wide range of needs, from basic appliance protection to comprehensive coverage, including HVAC systems and premium add-ons. 

3

The Home Service Club
fourhalf_star 4.1/5

The Home Service Club
  • Premium
    -
    $51.25 - $62.50
  • Deductible
    -
    $65,$95,$125
  • Coverage Limit
    -
    $800
Call Now
Offers
$75 Off + 1 Month Free
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50
States Covered
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Not Accredited
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: The Home Service Club offers two plans: Standard Coverage and Comprehensive Coverage. These plans cover home systems and appliances, including HVAC, plumbing, and electrical, as well as refrigerators, ovens, and dishwashers. Optional add-ons include roof leaks and sprinkler systems.
  • Price: Plans start at $50 per month.
  • Service Fee: Service fees range between $75 and $125.

Why We Picked The Home Service Club

The Home Service Club’s comprehensive plan options and coverage make it an excellent choice for Iowa homeowners. Their inclusive plans protect many systems and appliances, ensuring peace of mind.

Their commitment to fast claim processing and hassle-free service also sets them apart. Homeowners looking for reliable and inclusive coverage will find value in The Home Service Club.

4

America’s First Choice
fourhalf_star 4.6/5

America’s First Choice
  • Premium
    -
    $33 - $56
  • Deductible
    -
    $75 - $125
  • Coverage Limit
    -
    N/A
Call Now
Offers
$250 Off + Free Roof Leak Coverage
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50
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: AFC Home Club offers four plans: Silver, Systems, Gold, and Platinum. These plans include coverage for systems such as HVAC and plumbing, along with appliances like refrigerators and washing machines. Optional add-ons include pool coverage and tankless water heaters.
  • Price: Plans start at $32 per month.
  • Service Fee: Service fees range between $75 and $125.

Why We Picked America’s First Choice

AFC Home Club’s affordability and flexible service fee structure make it a strong choice for Iowa homeowners. Their unique feature of allowing customers to choose contractors adds an extra layer of convenience.

In addition, their extended coverage options ensure that homeowners get maximum protection at an affordable price. This combination of flexibility and value sets AFC apart.

5

Mike Holmes Protection
fourhalf_star 4.4/5

Mike Holmes Protection
  • Premium
    -
    $48-$88
  • Deductible
    -
    $58-$85
  • Coverage Limit
    -
    up to $25,000 per plan
Call Now
Offers
$100 Off + 1 Month Free
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43
States Covered
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Not Accredited
BBB Rating
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up to $25,000 per plan
Coverage Limits

Plans, Cost & Coverage

  • Pricing: $48 – $88 per month, with flexible plan options to fit different homeowner needs.
  • Service Fees: Deductible ranges from $58 – $85 per service call, ensuring affordability and quality service.
  • Coverage Limit: Offers protection up to $3,000 – $6,000 per covered item, providing substantial financial relief for repairs and replacements.

Why We Picked Mike Holmes Protection

Mike Holmes Protection stands out for its commitment to quality and homeowner convenience. With virtual assistance, round-the-clock support, and unlimited coverage for home systems, homeowners can rest assured they’ll receive quick and reliable service when needed. The brand’s strong reputation and network of trusted professionals ensure high-quality workmanship for every repair.

6

ARW Home – American Residential Warranty
fourhalf_star 4.3/5

ARW Home – American Residential Warranty
  • Premium
    -
    $45 - $84
  • Deductible
    -
    $125
  • Coverage Limit
    -
    N/A
Call Now
Offers
2 Months FREE* on All Plans
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50
States Covered
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Not Accredited
BBB Rating
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$1K
Coverage Limits

Plans, Cost & Coverage

  • Coverage: ARW Home Warranty offers plans that include HVAC, plumbing, and electrical systems, as well as appliances such as refrigerators and washing machines. Add-ons are available for electronics, pools, and septic systems.
  • Price: Plans start at $34.99 per month.
  • Service Fee: The service fee is $100 per claim.

Why We Picked ARW Home – American Residential Warranty

ARW Home Warranty’s inclusion of electronics coverage makes it unique among competitors. This feature is especially appealing to tech-savvy homeowners in Iowa.

Their 24/7 customer service and extensive coverage options ensure a smooth and reliable experience. ARW’s focus on innovation and customer satisfaction makes it an excellent choice for Iowa homeowners.

7

Liberty Home Guard
fourhalf_star 4.7/5

Liberty Home Guard
  • Premium
    -
    $50 - $60
  • Deductible
    -
    $90
  • Coverage Limit
    -
    $2000
Call Now
Offers
$200 Off + 2 Months Free + Free Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$2K/Item
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Three plans—Appliance Guard, Systems Guard, and Total Home Guard—covering various home components.
  • Price: Plans start at $49.99 per month.
  • Service Fee: Approximately $90.

Why We Picked Liberty Home Guard

Liberty Home Guard is recognized for its commitment to customer service and providing a hassle-free claims process. Their wide range of coverage options ensures that homeowners can protect essential systems and appliances effectively. Liberty’s strong reputation for reliability and quality repairs makes it an excellent choice for those looking for a provider with proven expertise.

8

Regency Total Home Warranty
fourhalf_star 4.1/5

Regency Total Home Warranty
  • Premium
    -
    $39.99 - $58.90
  • Deductible
    -
    N/A
  • Coverage Limit
    -
    N/A
Call Now
Offers
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
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50
States Covered
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Not Accredited
BBB Rating
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$5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Regency Total Home Warranty offers plans covering HVAC, plumbing, electrical systems, and major appliances. Optional add-ons include roof leaks, pools, and well pumps.
  • Price: Plans start at $39.99 per month.
  • Service Fee: The service fee is a flat $75 per claim.

Why We Picked Regency Total Home Warranty

Regency Total Home Warranty’s low pricing and straightforward plans make it an attractive option for Iowa homeowners. Their transparent pricing ensures no hidden fees, providing excellent value for money.

Their commitment to fast claim resolution and customer satisfaction makes them a reliable choice. Regency’s affordability and efficiency are key reasons for their inclusion in our top list.

9

American Home Shield (AHS)
fourhalf_star 4.2/5

American Home Shield (AHS)
  • Premium
    -
    $29 - $79
  • Deductible
    -
    $100 & $125
  • Coverage Limit
    -
    $6000
Call Now
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48
States Covered
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Accredited Business
BBB Rating
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5,000
Coverage Limits

Plans, Cost & Coverage

  • Coverage: American Home Shield offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. These plans cover HVAC, plumbing, and electrical systems, as well as appliances such as refrigerators, dishwashers, and washing machines. The ShieldPlatinum plan includes roof leak repairs and increased coverage limits.
  • Price: Plans start at $39.99 per month.
  • Service Fee: Service fees range from $75 to $125.

Why We Picked American Home Shield (AHS)

American Home Shield’s extensive experience and robust plan options make it a strong contender for Iowa homeowners. The ShieldPlatinum plan, in particular, offers comprehensive protection, including roof leak coverage.

Additionally, AHS is known for its flexibility and reliability, with plans that cater to a wide range of budgets and needs. Their strong industry reputation ensures peace of mind for their customers.

10

First American Home Warranty
four_star 4/5

First American Home Warranty
  • Premium
    -
    $336 - $534+
  • Deductible
    -
    $85
  • Coverage Limit
    -
    $3,500
Call Now
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35
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: First American Home Warranty provides two plans: The basic Plan and the Premier Plan. The Basic Plan covers appliances such as washers, dryers, and refrigerators, while the Premier Plan covers significant systems like HVAC and plumbing. Optional add-ons are available for pools and spas.
  • Price: Plans start at $36 per month.
  • Service Fee: The service fee is $85 per claim.

Why We Picked First American Home Warranty

First American Home Warranty’s affordable pricing and comprehensive plans make it a smart choice for Iowa homeowners. Their straightforward coverage options protect essential systems and appliances without breaking the bank.

Their reputation for excellent customer service and efficient claim processing further strengthens their appeal. Homeowners seeking reliable and affordable protection will find First American a solid option.

11

Cinch Home Services
threehalf_star 3.9/5

Cinch Home Services
  • Premium
    -
    $27.99 ,$32.99,$39.99
  • Deductible
    -
    $100, $125, $150
  • Coverage Limit
    -
    $2,000
Call Now
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48
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: Cinch Home Services offers three plans: the Appliances Plan, the Built-in Systems Plan, and the Complete Home Plan. These plans cover systems like HVAC and plumbing and appliances such as dishwashers and refrigerators. The Complete Home Plan includes insurance deductible reimbursement.
  • Price: Plans start at $34.99 per month.
  • Service Fee: Service fees range between $100 and $150.

Why We Picked Cinch Home Services

Cinch Home Services’ unique features, such as insurance deductible reimbursement, make it a standout provider. Their Complete Home Plan offers extensive coverage, ensuring peace of mind for Iowa homeowners.

Their commitment to convenience and customer satisfaction makes them a reliable option for those seeking comprehensive protection. Cinch’s focus on innovation adds to its appeal.

12

2-10 Home Buyers Warranty
twohalf_star 3/5

2-10 Home Buyers Warranty
  • Premium
    -
    $19,$51,$60
  • Deductible
    -
    $85 - $100
  • Coverage Limit
    -
    $2,000
Call Now
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44
States Covered
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Accredited Business
BBB Rating
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N/A
Coverage Limits

Plans, Cost & Coverage

  • Coverage: 2-10 Home Buyers Warranty offers three plans: Systems Plan, Appliance Plan, and Combo Plan. These plans cover systems such as HVAC and plumbing, as well as appliances like refrigerators and dishwashers. Optional coverage includes pools, septic systems, and HVAC tune-ups.
  • Price: Plans start at $25 per month.
  • Service Fee: Service fees range between $85 and $100.

Why We Picked 2-10 Home Buyers Warranty

2-10 Home Buyers Warranty’s affordability and customizable plans make it ideal for Iowa homeowners. Their Combo Plan is particularly appealing for those looking for comprehensive protection.

Their strong contractor network and optional pre-season tune-ups add value, making 2-10 an attractive choice for proactive homeowners.

Is A Home Warranty Right For You In Iowa?

A home warranty can give Iowa homeowners peace of mind and financial protection against unexpected repair costs. Whether you’re a first-time buyer, a long-time homeowner, or planning to sell your property, understanding how a home warranty fits your unique situation in Iowa is crucial. This guide explores the key considerations, benefits, and potential drawbacks to help you make an informed decision.

Unique Challenges Iowa Homeowners Face

Iowa’s weather and regional characteristics present specific challenges for homeowners. Your home systems and appliances are constantly strained, from freezing winters to humid summers. Key considerations include:

Understanding these unique challenges can help you evaluate whether a home warranty is worth the investment.

Benefits Of A Home Warranty For Iowa Homeowners

A home warranty offers several advantages tailored to Iowa residents:

What To Consider Before Choosing A Home Warranty In Iowa

When selecting a home warranty plan, focus on these factors:

  1. Coverage Options: Verify whether the plan includes critical systems and appliances commonly used in Iowa homes, such as heating systems or well pumps.
  2. Service Call Fees: Understand the costs associated with service visits and ensure they fit your budget.
  3. Provider Reputation: Choose a company with a strong reputation for customer service and quick response times.
  4. Exclusions and Limits: Read the fine print to identify what’s not covered and any limits on repair costs or the number of service calls.
  5. Customization: Look for plans that allow add-ons for unique needs, such as sump pumps, septic systems, or even roof leaks, which are common in Iowa’s climate.

Is A Home Warranty Worth The Cost In Iowa?

Deciding whether a home warranty is worth the cost in Iowa depends on various factors, including your home’s condition, budget, and long-term financial goals. Let’s explore key aspects that can help you make an informed decision.

Understanding The Unique Needs Of Iowa Homeowners

Iowa’s diverse climate, which includes cold winters and humid summers, can damage home systems and appliances. This means HVAC systems, plumbing, and electrical systems are often subjected to more wear and tear. A home warranty can help mitigate unexpected repair or replacement costs caused by these factors, making it an appealing option for many Iowa residents.

Average Costs Of Repairs Without A Home Warranty In Iowa

The cost of repairing or replacing key systems and appliances in Iowa can add up quickly. Here’s a snapshot of standard repair costs:

Without a home warranty, these expenses can hit your budget unexpectedly, potentially leading to financial stress.

Home Warranty Costs In Iowa: What To Expect

The average annual home warranty cost in Iowa ranges from $300 to $600, depending on the coverage plan and provider. Service call fees typically range from $60 to $125 per claim. While this may seem like an additional expense, it’s often lower than the out-of-pocket costs for major repairs or replacements.

Who Benefits Most From A Home Warranty In Iowa?

A home warranty may be worth it if:

  1. You’re a first-time homeowner – New homeowners may lack the financial cushion to handle unexpected repair costs.
  2. You own an older home – Older homes often have aging systems and appliances more prone to breakdowns.
  3. You’re a landlord in Iowa – A home warranty can help manage maintenance costs for rental properties, providing peace of mind to you and your tenants.
  4. You’re on a tight budget – A home warranty spreads repair costs over predictable monthly or annual payments, making it easier to budget for home expenses.

Factors To Consider When Choosing A Home Warranty In Iowa

When deciding if a home warranty is worth the cost, keep these considerations in mind:

  1. Age of systems and appliances—If your home’s systems and appliances are relatively new, you may not need a home warranty immediately.
  2. Coverage limitations – Review what is covered under the warranty and whether it aligns with your home’s needs.
  3. Exclusions and caps – Understand the policy’s exclusions and payout caps to avoid surprises when filing a claim.
  4. Provider reputation – Research the warranty provider’s customer service, claim process, and reviews in Iowa to ensure reliability.

Seasonal Impact On Repairs In Iowa

Iowa’s extreme weather conditions often lead to seasonal repairs:

A home warranty can help offset the costs of these seasonal repairs, offering year-round protection.

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Who Oversees Home Warranty Companies In Iowa?

Home warranty companies in Iowa operate in a regulated environment to ensure consumer protection and fair business practices. These companies are typically subject to oversight by state regulatory bodies and other entities that monitor and address consumer concerns. Here’s an in-depth look at who oversees home warranty companies in Iowa and what this oversight entails.

Iowa Insurance Division (IID)

The Iowa Insurance Division (IID) is the primary regulatory authority overseeing home warranty companies in the state. While home warranty plans are not traditional insurance policies, they are often categorized under service contracts or similar agreements. 

The IID ensures these companies comply with state laws governing service contracts and consumer protection. Key responsibilities of the IID include:

Role Of The Office Of The Attorney General

The Iowa Attorney General’s Office is complementary in overseeing home warranty companies, focusing on consumer protection laws. The Attorney General’s Consumer Protection Division can step in if a home warranty provider engages in deceptive advertising, unfair business practices, or contract disputes. Key functions include:

National Association Of Insurance Commissioners (NAIC)

While the NAIC does not directly oversee home warranty companies in Iowa, it provides a framework for states to regulate service contract providers. The organization helps state regulators, like the IID, by offering resources and modeling laws and guidelines to promote consistency in oversight across the United States. For consumers, the NAIC offers educational materials and tools to research service providers’ credibility.

Licensing And Regulation Requirements For Home Warranty Companies

Home warranty companies operating in Iowa must adhere to specific licensing and financial requirements set by the state. These include:

Consumer Advocacy Groups

In addition to state oversight, consumer advocacy groups play a vital role in monitoring home warranty companies in Iowa. Organizations like the Better Business Bureau (BBB) and online platforms like Trustpilot and ConsumerAffairs provide consumers with tools to report issues, share experiences, and check company ratings. These groups often collaborate with state agencies to ensure consumer concerns are addressed.

Steps To Take If You Face Issues With A Home Warranty Company In Iowa

If you encounter problems with a home warranty provider in Iowa, here’s how you can escalate the issue:

  1. Contact the Company Directly: Begin by addressing your concerns with the home warranty company’s customer service team.
  2. File a Complaint with the IID: If the issue is unresolved, file a formal complaint with the Iowa Insurance Division. Include all relevant documentation, such as your service contract and correspondence with the company.
  3. Reach Out to the Attorney General’s Office: For unresolved disputes or suspected fraud, contact the Iowa Attorney General’s Consumer Protection Division.
  4. Consult Consumer Advocacy Groups: Report the issue to the BBB or other platforms to warn other consumers and seek guidance.

Why Oversight Matters For Iowa Consumers

The oversight of home warranty companies in Iowa is crucial for maintaining trust and ensuring that consumers receive the services they pay for. With regulatory bodies like the Iowa Insurance Division and the Attorney General’s Office actively monitoring these companies, homeowners can feel confident that safeguards are in place to protect their rights. 

Whether considering a home warranty or dealing with a service-related issue, understanding who oversees these providers empowers you to make informed decisions.

Conclusion: Why A Home Warranty Is Essential for Iowa

Iowa’s frigid winters and humid summers significantly stress home systems and appliances. A home warranty provides crucial coverage for unexpected repairs caused by the state’s extreme weather patterns.

For homeowners in rural or urban areas, a home warranty offers an affordable solution to maintaining aging systems. This protection helps safeguard against sudden expenses and ensures long-term home comfort.