A house guarantee, additionally known as a residential service contract, doesn’t cowl each sort of residence restore invoice, but it surely is useful when a coated equipment or system breaks down from regular put on and tear. An Iowa residence guarantee may prevent a whole bunch or hundreds on residence upkeep should you’ve acquired one on the proper time.
We’ve sorted by many residence guarantee opinions, charges, and plans to assist determine the greatest residence guarantee firms accessible to owners in Iowa. The next firms provide their service contracts all through the state and have totally different ranges of protection relying on what your property wants. Take into account your finances and the state of your property’s techniques and home equipment, and proceed studying to seek out the house guarantee that matches you.
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Greatest Total: American Residence Defend
Fast Take
For Iowa owners, American Residence Defend affords one of the best and most complete residence guarantee protection accessible. The corporate’s three plans cowl 14 main residence techniques, 9 home equipment and extra gadgets. What’s extra, you’ll get protection past put on and tear harm. American Residence Defend covers gadgets that break down from inadequate upkeep, improper set up or restore, rust, sediment or corrosion. You’ll even be coated within the case of unknown pre-existing circumstances.
Execs and Cons
✓ Has been in enterprise since 1971
✓ Covers duplicate home equipment
✓ Presents customizable premiums and deductibles
✘ Is dearer than different firms’ plans
✘ Doesn’t provide many add-on protection choices
✘ Options a mean workmanship assure
Plans and Protection
American Residence Defend affords three residence guarantee plans to prospects all through Iowa. The ShieldSilver plan covers 14 residence techniques like heating, plumbing and inside electrical traces. The ShieldGold plan covers these main techniques in addition to 9 key home equipment, each within the kitchen and elsewhere. The ShieldPlatinum plan covers all these things and provides HVAC tune-ups, roof leaks and code violation upgrades.
Together with any of those plans, you should buy non-obligatory protection for swimming pools/spas, septic pumps, nicely pumps and visitor items of as much as 750 sq. ft.
| Protection | ShieldSilver | ShieldGold | ShieldPlatinum |
| Roof leak repairs | ✓ | ||
| Air conditioner | ✓ | ✓ | ✓ |
| Heating unit | ✓ | ✓ | ✓ |
| Ductwork | ✓ | ✓ | ✓ |
| Constructed-in exhaust, vent and attic followers | ✓ | ✓ | ✓ |
| Predominant breaker and fuse panel field | ✓ | ✓ | ✓ |
| Doorbells and chimes | ✓ | ✓ | ✓ |
| Inside electrical traces | ✓ | ✓ | ✓ |
| Ceiling followers | ✓ | ✓ | ✓ |
| Storage door openers | ✓ | ✓ | ✓ |
| Inside plumbing traces | ✓ | ✓ | ✓ |
| Bathrooms | ✓ | ✓ | ✓ |
| Taps and valves | ✓ | ✓ | ✓ |
| Whirlpool tub motor and parts | ✓ | ✓ | ✓ |
| Water heater | ✓ | ✓ | ✓ |
| Fridge | ✓ | ✓ | |
| Vary/cooktop | ✓ | ✓ | |
| Oven | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | |
| Constructed-in microwave oven | ✓ | ✓ | |
| Rubbish disposal | ✓ | ✓ | |
| On the spot sizzling/chilly water dispenser | ✓ | ✓ | |
| Garments washer | ✓ | ✓ | |
| Garments dryer | ✓ | ✓ |
Value
With a house guarantee, you’ll pay a set worth for each month or yr of your service contract, whether or not you utilize it or not. That is known as a premium. Moreover, each time the supplier sends a technician to diagnose or restore an issue, you’ll pay a service name charge, additionally known as a deductible, on to the technician. Nevertheless, if the harm is roofed by your property guarantee, that is all you’ll pay; the supplier will cowl the rest of the restore or alternative prices.
American Residence Defend lets you decide your month-to-month premium based mostly on a service charge of $75, $100 or $125. In case you select a decrease deductible, your premium might be larger and vice versa. Listed below are the costs we had been quoted for a house of about 2,000 sq. ft. in Dubuque, IA.
| Plan | $75 Service Price | $100 Service Price | $125 Service Price |
| 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 learn the way a lot an American Residence Defend plan will value you, name 844-529-9298 or fill out this fast on-line kind.
Greatest for Getting older Houses: Selection Residence Guarantee
Fast Take
Subsequent on our checklist, Selection Residence Guarantee is a wonderful choice for owners in older houses. Like most residence guarantee firms, Selection Residence Guarantee has no age limits on the houses it would cowl, neither is there an inspection required for residence providers protection.
Furthermore, Selection Residence Guarantee ensures all its service suppliers’ repairs for a full 90 days, which is 3 times longer than the trade common. Selection Residence Guarantee will ship one other technician with out charging an extra service charge if a coated restore or alternative breaks once more inside the first three months.
Execs and Cons
✓ Fundamental Plan covers each techniques and home equipment
✓ Has an extended 90-day restore assure
✓ Presents one month of free protection with annual fee
✘ Doesn’t allow you to select your personal contractor
✘ Doesn’t cowl air-con in its Fundamental Plan
✘ Receives complaints about poor communication
Plans and Protection
Selection Residence Guarantee affords two plans, a Fundamental Plan and a Complete Plan. The Fundamental Plan covers residence home equipment and techniques, together with electrical techniques, plumbing and lots of kitchen home equipment. The Complete Plan covers all of those, together with air-con, fridges, washers and dryers.
Extra protection choices embody swimming pools, spas, roof leaks, stand-alone freezers, central vacuums, nicely pumps, septic techniques, sump pumps and septic tank pumping. You may as well buy protection for extra fridges and extra spas.
| Protection | Fundamental Plan | Complete Plan |
| Heating system | ✓ | ✓ |
| Electrical system | ✓ | ✓ |
| Plumbing system | ✓ | ✓ |
| Plumbing stoppages | ✓ | ✓ |
| Air con | ✓ | |
| Water heater | ✓ | ✓ |
| Whirlpool bathtub | ✓ | ✓ |
| Fridge | ✓ | |
| Oven/vary/range | ✓ | ✓ |
| Cooktop | ✓ | ✓ |
| Dishwasher | ✓ | ✓ |
| Constructed-in microwave | ✓ | ✓ |
| Rubbish disposal | ✓ | ✓ |
| Garments washer | ✓ | |
| Garments dryer | ✓ | |
| Ductwork | ✓ | ✓ |
| Storage door opener | ✓ | ✓ |
| Ceiling and exhaust followers | ✓ | ✓ |
Value
Each of Selection Residence Guarantee’s plans include an $85 service name charge. Please notice that should you pay your premiums yearly, you’ll obtain a complete of 13 months of protection.
| Plan | Month-to-month Value | Annual Value |
| Fundamental Plan | $46.83 | $532 |
| Complete Plan | $54.75 | $627 |
Get a Free Quote
Name Selection Residence Guarantee at 929-400-6165 or fill out this straightforward kind to get a free quote.
Most Customizable Plan Choices: America’s First Selection Residence Membership
Fast Take
Not all houses are alike, so not all residence warranties needs to be alike. America’s First Selection (AFC) Residence Membership affords a few of the most customizable safety plans accessible. With AFC Residence Membership, you’ll have your selection of 4 plans.
You may as well decide from certainly one of three premium-deductible combos and 11 add-on choices. You don’t even must signal a contract to be eligible for protection, although it can save you cash by choosing a one-year or three-year contract.
Execs and Cons
✓ Ensures repairs for the size of your contract (as much as three years)
✓ Means that you can select your personal contractor with prior approval
✓ Locks in charges so long as you renew
✘ Solely covers plumbing stoppages in premium plan
✘ Requires upkeep information for HVAC protection
✘ Has a $75 contract cancellation charge
Plans and Protection
AFC Residence Membership’s Programs Plan covers your most necessary residence techniques, and its Silver Plan covers residence home equipment. The Gold Plan covers each and consists of ductwork. The Platinum Plan covers all the above plus built-in microwaves, taps, ice makers and plumbing stoppages.
When you have a tankless water heater, in-ground pool, stand-alone freezer, sump pump, double oven, central vacuum, sizzling water dispenser, septic system or nicely pump, you possibly can pay a bit of additional every month to get these things coated. In case you select the Programs, Silver or Gold Plans, you too can add protection for an ice maker or microwave, that are solely coated by default below the Platinum Plan.
| Protection | Programs Plan | Silver Plan | Gold Plan | Platinum Plan |
| Air con | ✓ | ✓ | ✓ | |
| Heating | ✓ | ✓ | ✓ | |
| Water heater | ✓ | ✓ | ✓ | |
| Electrical system | ✓ | ✓ | ✓ | |
| Plumbing system | ✓ | ✓ | ✓ | |
| Ductwork | ✓ | ✓ | ||
| Garments washer | ✓ | ✓ | ✓ | |
| Garments dryer | ✓ | ✓ | ✓ | |
| Kitchen fridge | ✓ | ✓ | ✓ | |
| Oven | ✓ | ✓ | ✓ | |
| Vary | ✓ | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | ✓ | |
| Rubbish disposal | ✓ | ✓ | ✓ | |
| Storage door opener | ✓ | ✓ | ✓ | |
| Plumbing stoppages | ✓ | |||
| Constructed-in microwave | ✓ | |||
| Ice maker | ✓ | |||
| Taps | ✓ |
Value
AFC Residence Membership allows you to select from a service name charge of $75, $100 or $125. You may as well select between a one-year contract, a three-year contract, or month-to-month funds solely. The next costs apply to a one-year contract with a service charge of $100.
| Plan | Month-to-month Value | Annual Value |
| Programs 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 data in this straightforward kind or name 877-755-1115 to get a free quote from AFC Residence Membership.
Greatest for Worth Customers: Choose Residence Guarantee
Fast Take
Choose Residence Guarantee rounds out our checklist with its extremely reasonably priced pricing construction. Its three plans make it straightforward to guard your finances from costly repairs ensuing from regular put on and tear to your property. The corporate’s customer support representatives can chat with you straight on the web site that will help you discover one of the best plan in your residence. All of Choose Residence Guarantee’s plans include free roof leak protection, and it’s the one firm on our checklist that may cowl garden sprinkler techniques.
Execs and Cons
✓ Prices lower than $50 a month at each plan stage
✓ Presents free roof leak protection
✓ Gives two months free with annual fee
✘ Has decrease protection caps than different firms
✘ Solely covers plumbing stoppages with premium plan
✘ Requires you to cancel auto-renew plan in writing
Plans and Protection
Choose Residence Guarantee’s Bronze and Gold Care plans include the identical premium worth. Bronze Care applies to residence home equipment whereas Gold Care applies to residence techniques. The Platinum Care plan covers each techniques and home equipment, plus storage door openers, ceiling followers and plumbing stoppages.
With any of those plans, you too can buy protection for a garden sprinkler system, central vacuum, pool, septic system, spa, stand-alone freezer, sump pump or nicely pump.
| Protection | Bronze Care | Gold Care | Platinum Care |
| Restricted roof leak | ✓ | ✓ | ✓ |
| Air con | ✓ | ✓ | |
| Ductwork | ✓ | ✓ | |
| Electrical system | ✓ | ✓ | |
| Heating system | ✓ | ✓ | |
| Plumbing system | ✓ | ✓ | |
| Water heater | ✓ | ✓ | |
| Cooktop | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | |
| Rubbish disposal | ✓ | ✓ | |
| Constructed-in microwave | ✓ | ✓ | |
| Fridge | ✓ | ✓ | |
| Range/oven | ✓ | ✓ | |
| Garments washer | ✓ | ✓ | |
| Garments dryer | ✓ | ✓ | |
| Storage door openers | ✓ | ||
| Plumbing stoppages | ✓ | ||
| Ceiling followers | ✓ |
Value
Choose Residence Guarantee additionally affords a comparatively low service charge of $75 with all its plans, and annual fee comes with an additional two months of free protection.
| Plan | Month-to-month Value | Annual Value |
| 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 Choose Residence Guarantee, fill out this straightforward on-line kind or name 888-370-3956.
Our Verdict
Total, we discover that American Residence Defend affords one of the best mixture of worth and complete protection. Whereas it’s a dearer choice, you’ll be coated in case of breakdowns from extra than simply put on and tear harm.
American Residence Defend can also be the longest-running supplier on our checklist, having primarily created the house guarantee trade in 1971, so that you’ll have the peace of thoughts of understanding that the corporate isn’t going wherever.
Nevertheless, American Residence Defend might not slot in your finances, and all the different choices on our checklist additionally present spectacular residence guarantee protection. Every of those firms affords pattern contracts and free instantaneous quotes on-line, so you possibly can shortly discover out who affords one of the best protection for you.
Regularly Requested Questions About Iowa Residence Warranties
How a lot does a house guarantee value in Iowa?
Nationwide, residence warranties are likely to value between $30 and $75 a month or $360 and $900 a yr. Iowa residence guarantee prices fall on the decrease finish of the nationwide common, at about $35-$55 a month. Nevertheless, this vary can range even inside the state. A home-owner in Des Moines might pay a special charge than one in Cedar Rapids, so you’ll want to collect some customized quotes when doing all of your analysis.
What’s the distinction between a house guarantee and owners insurance coverage?
Owners insurance coverage covers your property and possessions from catastrophic occasions, like excessive climate occasions, hearth, earthquakes or theft. Nevertheless, residence warranties cowl the sorts of breakdowns from years of utilizing a significant system or equipment. Hopefully, you’ll by no means have to make use of your owners’ insurance coverage. You’re way more doubtless to make use of a house guarantee as coated gadgets put on out in the midst of on a regular basis use.
What are some typical residence guarantee exclusions?
Except in any other case specified, residence warranties apply solely to put on and tear harm to a coated merchandise, so beauty defects, unintended or intentional harm and harm ensuing from neglecting the merchandise are excluded from residence guarantee contracts. Moreover, not each a part of a coated merchandise falls below your guarantee phrases. Normally, issues like knobs, dials and grills are excluded. At all times learn the phrases of the contract very fastidiously to know what’s and isn’t coated.
Do I want a house guarantee if I’m not shopping for a house?
Though residence patrons and sellers are most frequently the shoppers for a house guarantee, owners can profit from these contracts at any stage of possession. You don’t must be concerned in an actual property transaction to guard your finances from giant restore payments.
Residence Guarantee Ranking Methodology
That can assist you discover one of the best residence guarantee, our opinions workforce researched quite a few residence guarantee firms, analyzing their protection plans, pricing and customer support, amongst different components:
- Protection: Residence guarantee firms that present in depth protection and defend necessary techniques and home equipment, together with your air-con, fridge and heating, scored larger than firms with minimal protection.
- Plan selection: A supplier with extra protection plans permits for extra flexibility amongst prospects. Normally, most residence guarantee firms present an appliances-only plan, systems-only plan and mixture plan.
- Pricing: We scored suppliers based mostly on their month-to-month plan costs and repair name charges in comparison with the trade common pricing. Firms with extra reasonably priced protection acquired extra factors than firms with dearer plans.
- State availability: The place you reside will decide what firms can be found in your space. Residence guarantee firms that coated extra states acquired extra factors than firms with a restricted state availability.
- Trustworthiness: There are some residence guarantee firms which might be scams and don’t observe by on their service agreements. We rated firms based mostly on their years of expertise, scores on the Higher Enterprise Bureau (BBB) and buyer opinions.
To maintain our information present, our workforce often updates the info factors for every firm to make sure their protection choices, pricing and availability are correct.
