Colorado homeowners have access to amazing views, impressive mountains, and some of the best weather in the country. Although many visit to enjoy the city and skiing in Denver, Vail, Aspen or Colorado Springs, living in Colorado has many incredible benefits. However, being a homeowner can sometimes mean that a home warranty is necessary to keep the home in excellent condition. Harsh winters with a dry climate coupled with hot summers can cause some extensive damages to home systems and appliances beyond normal wear-and-tear. Looking through the best home warranty companies in Colorado to find the perfect one for your home can offer you peace of mind.

In this guide, we will cover . . . 

  • What is a Colorado home warranty?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 7 best home warranty companies in Colorado in 2022
  • And much more!
Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
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Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
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When those Denver mountains start to become a bit snowcapped, you know that your heating system and water heater must be in good working condition. If this is a concern for you, then a home warranty can help. 

Home warranties help Colorado homeowners protect their budgets and savings accounts from the high expenses associated with owning systems and appliances in the home. If you have been looking for the best home warranty companies in Colorado, we have all the information you will need.

Best Home Warranty Companies in Colorado

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.6
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.2
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Limited coverage
  • 1 day to submit a claim
  • Limited plan selection
  • Fewer contractors available
  # 5 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.7
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Top 7 Best Home Warranty Companies in Colorado:

Compare Colorado Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B

Home Service Club

Site

Best For Quick Coverage

$50-$63

$65-$125

NA

Liberty Home Guard

Site

Best Customer Service

$40 - $60

$60

A

Cinch Home Services

Site

Best Add On Coverage

$28 - $40

$100 - $150

A-

First Premier Home Warranty

Site

Best Coverage

$45

$75

B-

Colorado Home Warranty Costs 

One of the most important things about a home warranty is the cost. If you find that a home warranty is too expensive for your monthly budget, it is not worth having. It is important to consider service fees, coverage caps, and monthly payments when looking at the overall cost of having a home warranty. However, it is also good to have an idea of the average costs involved with a home warranty. Knowing these average costs will help ensure that you get a great deal on your home warranty and that you feel as though the pricing is a good value for the plan. At Review Home Warranties, we have done in-depth research to come up with average costs for a home warranty in the state of Colorado. Our research included all different types of homes. 

Type

Average Annual Premium

Overall

$822.81

Single Family Home

$582.50

Multi-Family

$1,302.03

Townhome

$533.76

Condo

$623.46

Home Over 5,000 sq. ft.

$1,294.73

Home Under 5,000 sq. ft.

$844.19

Colorado Home Warranty Companies Reviews

There are many home warranty options for Colorado homeowners. If you want to ensure that you are getting the proper coverage, you have to compare things like coverage caps or limits, time spent in the market, service fees, overall pricing, and more. Choosing a Colorado home warranty includes ensuring that your home has all major systems working, even at high altitudes. Here are our reviews of the top 7 companies in the state of Colorado. 

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty company in Colorado. Choice Home Warranty has more than 13 years of experience in the home warranty industry which guarantees your contract and servicing will be among the best. In addition, the Choice Home Warranty's offers two comprehensive plans that cover both systems and appliances. The Total plan is more popular among Colorado homeowners because of its extensive coverage and fair price. Choice also does not restrict coverage based on the age of your appliances and systems, and it offers a generous 90-day workmanship guarantee to ensure your servicing remains intact. With unbeatable coverage and several thousand contractor relationships around the nation, Choice Home Warranty offers tremendous value in the plans that they offer. 

Pros

Cons

Comprehensive plan options

It won’t allow you to build out a plan

Simple service contract

Only two plan options

Low overall pricing 

 

Fair service fees

 

Good contractor professionalism

 

Plans, Pricing, and Coverage

There are only two Choice Home Warranty policies, the Basic Plan and the Total Plan. You don't have to choose between pricing and coverage with Choice because both plan options cover systems and appliances. The Basic plan covers 14 home systems and appliances for $45 per month. For less than $9 more, The Total Plan covers those 14 plus four more: refrigerator, washer, dryer, and air conditioning. This is the most popular plan for Colorado homeowners. The overall pricing of Choice Home Warranty is in the lower to fair end of the market, as you can get either plan for under $55 per month. This evens out CHW's higher service fee of $85. 

Take a deeper look at Choice Home Warranty's protection plans:

  • Basic Plan ($42 per month): Choice Home Warranty is anything but basic. This plan has 14 covered items, including ceiling fans, cooktop exhaust fans, dishwasher, ductwork, garbage disposal, ductwork, electrical system, garage door opener, heating system, oven, microwave, plumbing system, toilet, and water heater. The Basic plan is a reasonably priced policy for a combo plan with both systems and appliances.  
  • Total Plan ($53.33 per month): The Total Plan from Choice Home Warranty has 18 covered items, and this plan includes A/C, heating, and refrigerator coverage. The Total Plan is the most popular Choice Home Warranty plan, plus it comes with high coverage caps on essential systems like heating up to $3,000.
  • Optional add-ons: With the comprehensive coverage that Choice Home Warranty offers, there are not too many more add-ons that you would likely need for your plan. Some options are central vacuum, septic tank, sump pump, well pump, and the pool and spa. The optional coverages will vary in price depending on the item.

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying: 

"I called in for the service and within two days the issue was fixed. I appreciate the timely manner things were fixed and for them listening to me and being very professional great company so glad we have them!" - Karen V. 

Read our full Choice Home Warranty Review for more information.

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable plan for Colorado homeowners. With the American Home Shield plan, you can build a plan from the ground up or simply customize one of the plan choices to get a fit for your needs. American Home Shield is an industry veteran that has been in operation for over 50 years. As the oldest home warranty company, they offer top-notch professionalism, industry knowledge, and care for your home. AHS allows its policyholders to customize their pricing and service fees. With any plan you choose, there are options for services fees of $75, $100 or $125. Although it affects the monthly payment, this allows customer to find an AHS plan that will fit within their budgets. If your Colorado home has unique features or high-end systems, you will want the American Home Shield plan in place. 

Pros

Cons

It has been on the market for a long time 

It tends to be one of the more expensive policies

Can build out your own custom plan

 

It gives you the ability to customize pricing as well 

 

Plenty of add on coverage choices

 

Plans, Pricing, and Coverage

American Home Shield has three choices for Colorado homeowners. The ShieldGold and ShieldPlatinum plans will have a mix of both system and appliance coverage and will take care of the majority of systems and appliances in your home. Each of the plans comes with the ability to add on something, such as pool or spa coverage, and then customize your monthly and service fee pricing. American Home Shield offers the selection of your service fee of $75, $100 or $125. A higher service fee means you'll pay less on your monthly premium and vice versa. If you choose the $125 service fee, you can get ShieldPlatinum for only $60 per month, and get coverage on nearly 30 home systems and appliances. That's more coverage on your Colorado home than will be offered by almost any other provider. 

Here's a more detailed look at American Home Shield's Plans: 

  • ShieldSilver™ ($45 per month): American Home Shield has very high coverage caps and impressive coverage. ShieldSilver is the most basic plan and has the lowest pricing. The plan covers six home systems, including air conditioning, electrical system, doorbells, garage door opener, water heater, and ductwork. Most systems will come with a coverage cap of $2500, but this can be more or less depending on the individual item. With American Home Shield being a customizable plan, you can add a few appliances to this plan to work for your home. 
  • ShieldGold™ ($55 per month): The first thing you will notice about ShieldGold is that it has quite a bit more coverage than ShieldSilver. The ShieldGold has 23 systems and appliances, including the six you will find with ShieldSilver plus refrigerator, washer, dryer, oven and microwave. ShieldGold is a comprehensive plan and has a customizable service fee to help make it a better fit for you financially. 
  • ShieldPlatinum™ ($79 per month): ShieldPlatinum is Colorado's most comprehensive home warranty. With the ShieldPlatinum coverage, you will pay more, but the plan has 27 covered items and very high coverage caps. Colorado homeowners with high-end systems and appliances will enjoy the high coverage caps associated with this plan.
  • Optional add-ons: There are a few optional or add-on coverages from American Home Shield, including pool and spa, electronics, television, septic systems, and well pumps. Remember that this is the most customizable home warranty on the market, and that does help to ensure you get the coverage you need for your home.

Plans

Cost Per Month

Service Fee

ShieldSilver

$45

$75 - $125

ShieldGold

$55

$75 - $125

ShieldPlatinum

$75

$75 - $125

What Customers Are Saying:

“I've been with American HomeShield since 2012 there has been a couple of bumps but they have always been there for me. When your contract states if they can't fix it they will buy and replace that item they are absolutely correct they saved me. I've owned 3 homes in these years as a member and they have been there for me. I've been in my present home for almost 4 years and I've had a pipe leak on 2nd floor right away they got a company out here and fixed pipes and ceiling I was very pleased. I will never leave this company. Thank you American HomeShield" - Carolyn W.

Read our American Home Shield Review for more information.

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in Colorado. If you haven’t noticed, the real estate pricing in areas around Denver and Boulder is skyrocketing. If you are a new homeowner, you may be wondering how you will afford a home warranty. Select Home Warranty offers moderately priced coverage for any Colorado homeowner. With close to ten years in the home warranty industry, in addition to the value you get from the plan, the customer service is quite impressive as well. All monthly prices run under $65 per month and come with a service fee lower than the industry average. Finding a home warranty plan within your budget won't be difficult with Select Home Warranty. 

Pros 

Cons

Good policy choices

Some of the covered items have lower policy limits

Impressive customer service

 

Easy to work with plans

 

High workmanship quality 

 

Plans, Pricing, and Coverage: 

Select Home Warranty's policy lineup is relatively standard for a Colorado home warranty company. You can choose between a systems plan, appliance plan, and combo plan. Each of the plans and the pricing associated with them are pretty fair and come with the free roof leak coverage as an add-on. Select Home Warranty's Bronze Care plan covers seven appliances whereas the Gold Care Plan covers six home systems. You'll get the best bang for your buck with the Platinum Care Plan, which covers all 13 of those appliances plus three more: ceiling fans, garage door, and plumbing stoppages. Select home warranty has one of the lowest services fees of all home warranty companies in Colorado at $60. 

Take a look at Select Home Warranty's plan options:

  • Bronze Care Plan ($41 per month): Select Home Warranty's coverage is affordable. With the Bronze Care Plan, an appliance-only option, seven appliances are covered under the plan. These include garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer. The Select Home Warranty Bronze Care Plan is an excellent option for first-time homebuyers. 
  • Gold Care Plan ($41 per month): The Gold Care Plan is the same price as the Bronze Care plan. The Gold Care Plan is a systems-only plan. The plan is limited to just six systems, but they are more expensive for most homeowners to repair than the appliances. The systems covered are air conditioner, ductwork, electrical, heating, plumbing systems, and water heater. Try to consider if your home has more issues come up with systems or appliances, or go for the Platinum Care Plan that has coverage for both. 
  • Platinum Care Plan ($47 per month): The Platinum Care Plan is just a few dollars more per month, but it has double the coverage that you find on the Bronze Care or the Gold Care Plan. Remember that all home warranty plans from Select come with free roof leak coverage.
  • Optional add-ons: Some of them include pool, spa, septic system, lawn sprinklers, stand-alone freezer, central vacuum, well pump, and sump pump. The add-on coverage options will make a Select Home Warranty policy a little less affordable yet still a good overall investment.

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$60

Bronze Care

$60.42

$60

Platinum Care

$65.83

$60

What Customers Are Saying:

"Put a claim for my heating system for making a popping sound when it turns on. Customer service lady was friendly, got an email about two hours later confirming the claim and shortly after got an email from Najico heating and AC company scheduled an appointment for the next day. Mark the technician was prompt, very professional and fixed the problem by changing the defective part that was readily available in his truck. Highly recommended!" - Salim D. 

For more information, read our Select Home Warranty Review.

4. Best for Quick Coverage: Home Service Club

The Home Service Club is the best Colorado home warranty for quick coverage. If you are investing in a traditional home warranty plan, there is a 30 day waiting period before the policy starts. With Home Service Club, you will only have to wait ten days for your home warranty plan to take effect. This allows you to get coverage on your home systems faster and ensure you get your money's worth. The Home Service Club has been on the market for more than 12 years, and it takes great pride in the workmanship and quality of service it offers. Having coverage this quickly means that Home Service Club is ready to serve right from the plan's start. 

Pros

Cons

No inspection is needed before the plan starting 

Can be a high service fee

The plan starts after 10 days 

Not accredited by the BBB 

Extensive coverage options even in the basic plan 

 

Plans, Pricing, and Coverage

There are two home warranty plans from Home Service Club, the Standard Coverage Plan is considered the basic plan, but it has a tremendous number of coverages. Homeowners can also choose the Comprehensive Coverage Plan with lots of extra coverage options typically charged as extras from other home warranty companies. For under $63 per month, this is the ideal option for CO homeowners. HSC also offers a great selection of service fees in order to make your home warranty more affordable overall. The service fee options are $60, $75 and $95. 

Take a more detailed look at Home Service Club's home warranty plans:

  • Standard Coverage ($50 per month): The Standard Plan is the most basic option from Home Service Club. The coverages include air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. Standard Coverage from Home Service Club is more involved than standard coverage from other plans and runs for a lower price.
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from Home Service Club takes the Standard Plan and increases the coverage by about ten items to cover 27 total. These items are not as common, and not all home warranty companies require them. Some of the additional coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. 
  • Optional add-ons: The Home Service club offers 12 additional or add-on coverages as part of their home warranty plan. Add-on coverages typically start around $5.00 a month. A unique feature offered by HSC is a Utilities and Home Service Line Coverage package that will cover your gas line, water line, sewer line, and lawn sprinkler system. 

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying:

“The people at HSC are very mindful of their clients' time. They do their repairs very fast, less time for stress with me and more time for them to save other people and houses! I had my ceiling fan repaired just this morning and it was pretty smooth sailing from the moment I called until the evaluation at the end.” - Rachel D.

Learn more information through our Home Service Club Review.

5. Best Reviewed: Liberty Home Guard 

Liberty Home Guard's plans are an excellent choice for those looking for a valuable and highly rated company in the home warranty industry. Colorado homeowners are often surprised to find that Liberty Home Guard has only been on the market for the last two years. In that time, they have managed to earn a BBB rating of A, build a network of several thousand service technicians, and gained hundreds to positive online reviews. Although prices may seem high, the company's evident commitment to serving your home and relieving you of homeowner headaches ensures that its plans are worth it. With 24/7 customer service, your home's systems and appliances will be taken care of promptly and correctly every time. Overall, you will find that their service is fast, and the number of claims that Liberty Home Guard has paid out is relatively high. 

Pros

Cons

BBB rating of an A

Plan choices tend to be priced a bit high

Long list of coverage or add on options 

 

Overall fair pricing 

 

60 Day workmanship guarantee

 

Plans, Pricing, and Coverage:

Liberty Home Guard offers three policy plans for Colorado homeowners. The plans are going to include a system option, an appliance option, and a combo plan. Each plan is exceptionally reasonably priced, and the service fee tends to be on the lower side. Appliance Guard covers 12 home appliances for only $69.99 per month. Systems Guard covers 9 home systems, including bath exhaust and air conditioner, for only $74.99 per month. You can get complete and comprehensive coverage with the Total Home Guard plan, which covers all 20 items for only $5 more than the Systems Guard plan. You shouldn’t have a hard time matching one of these plans to the needs of your Colorado home, and with a $75 service fee, the plans are also relatively affordable.

Here's a more detailed look at Liberty Home Guard's plans:

  • Appliance Guard ($69.99 per month): Liberty Home Guard's appliance plan covers eleven appliances. These appliances include a refrigerator, cooktop exhaust fan, ceiling fans, dishwasher, oven, clothes dryer, clothes washer, garage door opener, microwave, garbage disposal, and refrigerator ice-maker. This is a great starter plan for someone new to home warranties, and coverage caps are around $1500 per item. 
  • Systems Guard ($74.99 per month): The Systems Guard plan is essentially the opposite of the Appliance Guard and covers nine systems. With systems costing more money than appliances to repair, this plan is a little more expensive than the Appliance Guard. The systems included in this plan are air conditioner, electrical system, bath exhaust fan, ductwork, heating system, plumbing and plumbing stoppages, toilet, and water heater. 
  • Total Home Guard ($79.99 per month): The Liberty Home Guard Total Home Guard plan is the best option in Colorado because of the mix of system and appliance coverage. Total Home Guard has 20 covered items, but it only costs a few dollars extra than the Systems Guard. It also offers high coverage limits at $1,600 and even high caps on A/C and heating at $2,500.
  • Optional add-ons: Liberty Home Guard has one of the most extensive lists of add-on coverage on the market with 20+ items. You can add items like pest control, saltwater pool, roof leaks, law sprinkler system and more. Add-on coverages will make a plan more expensive, but the pricing will be well worth it for some Colorado homes.

Plans

Cost Per Month

Service Fee

Systems Guard

$74.99

$75

Appliance Guard

$69.99

$75

Total Home Guard

$79.99

$75

What Customers Are Saying: 

“What a terrific company! I was in a bind -- my water heater died. I logged into my profile online, filed a claim, and less than 24 hours, all this happened:The claim was assigned to a company to complete the work order. A technician was selected and responded within hours. Two days later, they had replaced my water heater and all was back to normal. Liberty Home Guard was professional and dependable. I recently changed to Liberty -- what a great move I made. I had another company for ten years, and they started getting snotty with me -- Fixed That!Thank you for doing a great job!" - Don L.

Learn more from our Liberty Home Guard Review.

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Colorado residents looking for great coverage choices. The First Premier Home Warranty is a new home warranty plan with less than a year under its belt. However, in the time that First Premier has been on the market, they have proven they certainly have what it takes to compete with all of the top home warranty companies in Colorado. You can save on First Premier plans by paying for one year upfront, which can get your the comprehensive Platinum plan for under $38 per month. With an A- rating from the BBB, quite a few positive customer reviews, and impressive coverage options, this is a smart choice for homeowners in Colorado. 

Pros

Cons

BBB rating 

Short period of time on the market

Modern technology and systems in place

 

Low overall costs if you pay upfront 

 

Plans, Pricing, and Coverage: 

First Premier only offers two plans for customers to choose from. One of the great things about the plan choices from First Premier is that you are given an option to pay for the policy for the year upfront. This can help to decrease the overall payments for the year to as low as $32 per month. The Gold Plan covers 14 home systems and appliances for only $35 per month. For only $8 more at $43 per month, the Platinum plan covers those 14 plus five more: washer, dryer, refrigerator, heating, and air conditioning. Unfortunately, with such low monthly pricing comes low coverage limits at $400-$500 for most items covered. However, the heating system and air conditioning are covered up to $1,500, which is a steal for having a monthly payment under $45 per month. This is why First Premier ranks in the top seven for best home warranty in Colorado. 

Look at the details of First Premier's protection plans:

  • Premier Plan ($43 per month): Even though First Premier is a newer policy, it has impressive coverage for Colorado residents. The Premier Plan or "Gold Combo Plan" has 15 covered items, including a ceiling fan, oven, cooktop exhaust, dishwasher, trash compactor, garbage disposal, ductwork, electrical system, garage door opener, microwave, plumbing system, stoppages, sump pump, and water heater. For the price you pay, the Premier Plan is of excellent value. 
  • Platinum Plan ($50 per month): The Platinum plan has 20 covered items, making it one of the best value plans in the industry. One of the benefits of the Premier Platinum Plan is that it has coverage for air conditioning, heating system, washer, dryer, and refrigerator. The price difference between Platinum and Premier Platinum is not all that much so it makes sense to invest in this plan to protect your CO home.
  • Optional add-ons: First Premier offers optional coverage on 12 items, including a free-standing ice maker, roof leaks, stand-alone freezer, septic tank pumping, well pump, water softener, central vacuum, refrigerator ice maker, lawn sprinkler, septic, spa, and pool coverage. Most of the coverage caps for First Premier are considerably lower than other home warranty plans; keep this in mind if you have high-end systems and appliances. 

Plans

Cost Per Month

Service Fee

Premier Plan

$35

$75

Platinum Plan

$43

$75

What Customers Are Saying: 

“I had a great experience with this company. My home warranty was easy to register for and the company was very helpful. The company representative was able to answer all of my questions and I was able to get the warranty that I needed for my home. I would highly recommend First Premier Home Warranty to anyone who is looking for a great home warranty plan." - Elsie C.

Read more on our First Premier Review.

7. Best Workmanship: Cinch Home Services 

Cinch Home Services home warranty offers the best workmanship for the Colorado homeowner. With excellent workmanship guarantee, customers can rest assured that the fix to their appliance or system will be covered even 180 days from the time of service. This is significantly higher than other companies who offer labor or parts guarantees only 30-60 days. If you are worried about the history a company has in the business, the 40 years that Cinch Home Services has spent should help to give you some peace of mind. In that time Cinch has built a robust network of industry professionals and collected several thousand positive reviews. Overall, Colorado homeowners are typically quite happy with the details of this plan. 

Pros

Cons

Long history in the home warranty business

Higher service fees or deductible pricing 

180 day workmanship guarantee

 

Three fairly priced plans to choose from

 

Plans, Pricing, and Coverage: 

Cinch Home Services offers three different plans to choose from. The Appliances Plan, Systems Plan, and then a Complete Home Plan. The Complete Home plan tends to be the most popular choice because of the combination of systems and appliance coverage. The Appliances Plan covers 11 appliances for as low as $34.99 per month, including free-standing ice maker and refrigerator. The Built-in Systems Plan covers 21 home systems for as low as $39.99 per month, including spa, air conditioner, heating system, and plumbing. The Complete Home Plan covers over 30 items for as low as $49.99 per month. Cinch allows policyholders to choose their service fee of $75, $100, or $150. The higher your service fee, the lower the monthly payment and vice versa. 

Here's a deeper look at Cinch Home Services plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): The Cinch Home Services Appliance Plan is the most basic option with 11 covered appliances. These appliances include microwave, cooktop exhaust fan, trash compactor, clothes dryer, food center, refrigerator, free-standing ice maker, oven, refrigerator ice-maker, dishwasher, and clothes washer. This is the most affordable basic home warranty plan on the market from Cinch. 
  • Built-In Systems Plan ($51.99 per month): The Systems included in the Built-In Systems plan are the air conditioner, ductwork, water dispenser, smoke alarms, sump pump, septic tank pumping, bath exhaust fans, cooktop fans, garbage disposal, doorbells, toilet, electrical system, heating system, water heater, plumbing, and plumbing stoppages, garage door opener, spa, central vacuum, attic fans, and whole house fan. This is an exceptional number of systems for one plan.
  • Complete Home Plan ($61.99 per month):  Most comprehensive plans have about 20 covered appliances and systems, but the Complete Home Plan has 32 covered items by combining its two lower-tier plans. In addition, the Complete Home Plan allows for a $500 homeowners insurance reimbursement and a credit towards A/C filters each policy period.
  • Optional add-ons: Cinch Home Services has a few add-on coverages to choose from, including pool and spa coverage. It also offers the Premier Upgrade Package, which includes $1,000 for any unexpected costs that may pop up during a claim. If you don't like surprises about an unexpected cost, the Cinch Home Services Premier Upgrade is a smart choice.

Plans

Cost Per Month

Service Fee

Appliances Plan

$34.99-$50.99

$75- $150

Built-In Systems Plan

$39.99-$57.99

$75- $150

Complete Home Plan

$49.99-$67.99

$75- $150

What Customers Are Saying:

“I've had nothing but great experiences with Cinch Home Services. They are always professional and there is never a hassle. I wouldn't trade their home warranty for anyone else's considering the horror stories I've heard in the past. Keep up the good work!!!" - Jeffrey B.

For more information read our Cinch Home Services Review.

Home Warranty Coverage in Colorado Cities

What Is A Home Warranty? 

A home warranty is a protection plan that will help ensure that you won't pay hundreds of dollars for home systems and appliance repairs. A home warranty will protect against everyday wear of appliances and systems. When you have a home warranty in place, it is much easier to budget and plan for issues that could come up around your home. Home warranty plans are also known for quickly responding to home-related issues and ensuring that you get the coverage you need before you have to experience a significant inconvenience. 

With the home warranty in place, you will need to ensure that your home appliances and systems are well cared for and properly maintained. The home warranty policy does not protect against pre-existing conditions, issues with lack of maintenance, or intentional breakage. 

When you experience an issue with a home system or appliance, submit a service request to your home warranty company, and they will respond within a short period of time. Most requests are handled within a 24 to 48 hour period. Your provider will then send a professional technician to come assess the issue and if the item is covered, fix or replace it. You then will only have pay the service fee rather than the hundreds in out of pocket costs. Home warranties are essential across the United States but especially important in areas like Colorado that see extreme changes from one season to the next.

How to find the Best Home Warranty in Colorado

Before purchasing a home warranty in Colorado, there are a few things that you should consider. When living in Colorado, you have to remember that a home warranty is different from a homeowners insurance plan. Home warranties are not going to cover you from significant weather events or forest fires. However, some systems and appliances in the home will experience more normal wear because the home is located in the state of Colorado. Here are a few things to consider. 

Systems Vs. Appliances Or Both 

Some home warranty plans offer combo or comprehensive choices; others will offer just a system or appliance plan. The issue is that Colorado homes benefit from systems coverage; however, all homes need appliance coverage. 

With the change in temperature that Colorado homes can experience, it is essential to have both HVAC and heating systems in place. Without these, your Colorado home is going to have a difficult time remaining comfortable and bacteria-free. Be sure to thoroughly look through your plan to know if your policy covers your air conditioner, or if air conditioning coverage is an add one.

Combination plans tend to offer the most peace of mind for a Colorado homeowner.

Service Fees 

Service fees are the price you pay when your home warranty needs a repair. It does not matter if your Colorado home is in Vail, Bounder, or Denver; the service fees should remain the same throughout the state, depending on the company you choose. 

Some plans offer the option of a higher service fee for a lower monthly policy payment. 

Coverage Caps or Limits 

The coverage caps and limits on the policy are essential for homeowners with high-end home appliances or systems in their homes. If the coverage caps and limits are not high enough, repairs and replacements will not be covered. 

Are You Looking For The Best Home Warranty For Pre-Existing Conditions? Check Out This Article!

Home Warranty Tips for Colorado Residents

Homeownership is quite different from one state to the next. Colorado residents need to consider a few essential things about their homes. The first is the elevation and the second is the seasons that Colorado residents will experience. 

As you move further up in the mountains, the extremes you see when it comes to cold temperatures will certainly be apparent. The more time you spend running your heating system, the more wear and tear it will have. Keeping that heating system functioning will help to ensure that other systems like plumbing are working properly. 

In addition, you must ensure that all ductwork in the Colorado home is functioning correctly. Homeowners that have ever had a blockage in their ductwork know that this is a project that requires a big expense. 

Some Colorado homeowners experience issues with water drainage. In areas like Fort Collins and Telluride, there are plenty of rolling hills, and your neighborhood is likely not built on a flat plane. The terrain in most areas of Colorado is quite hilly and mountainous. The terrain causes some problems with water drainage and the ability to keep a home dry. Although flooding won’t be covered under your home warranty policy, things like a sump pump and sewer systems can be. 

Lastly, all Colorado homeowners should think about the condition of their roofs. With the higher elevation in areas like Breckenridge, Frisco, and Aspen, the roof tends to take quite a bit of wear and tear from the sun, and then it gets snowed on in the winter. Ensuring that you have roof leak coverage as part of your Colorado home warranty can be very beneficial. To find the best home warranty companies in Denver or in any other Colorado city, consider the list above and what items you need coverage on. 

Home Warranty Regulations in Colorado

Regulations in Colorado are a bit different than they are for homeowners insurance. You won’t be required to sign up for a home warranty policy in Colorado by your lender. However, there are still certain regulations in place that are important to understand. For the most part, you will have to choose a company that is well respected and has a history in the state of Colorado. This will be your best chance of having something reliable.

Final words about Colorado home warranty

A home warranty in Colorado comes in handy for many homeowners. As the cost of repairs and replacements for home systems and appliances rises, home warranties help Coloradans save significant amounts of money.

The best home warranty companies in Colorado offer a variety of plans that satisfy the needs of all types of customers, from new home buyers to home sellers to seasoned homeowners. As the homeowners realize all the benefits of owning a home warranty, they usually switch to the top home warranty plans Colorado companies can offer.

Before you sign a contract, please carefully read these Colorado home warranty reviews, especially the Coverage and the Fine Print sections, in order to avoid any mischief in the future.

Looking for a home warranty in a nearby state? Check out our comprehensive reviews on states like New MexicoUtah, and Kansas.

Are You A First-Time Buyer? Check Out This Article!

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Resources for Colorado Homeowners and Home Buyers

  • Consumer Finance Protection Bureau: The Consumer Finance Protection Bureau is an excellent resource for those that have questions about their financial situations in their home. Whether you have already purchased or you are currently a homeowner, the Consumer Finance Protection Bureau can be a good fit.  
  • Colorado HOA Information and Resources:  Living in an HOA community is a great thing. However, there are certain rules and regulations that homeowners should understand when living in an HOA community. 
  • Homeownership Assistance: Homeownership assistance for those that need help keeping their home or getting into a home initially is available through Colorado HUD. The Colorado homeownership assistance program is a smart resource that homeowners should be using. 
  • Boulder County Homeownership Assistance: The Boulder County Homeownership Assistance program helps with down payment costs on the home. If you think you are ready to enjoy homeownership, let Boulder County Homeownership Assistance help. 
  • NEWSED Denver Down Payment Assistance: Denver is a busy and bustling place where lots of homes are changing hands daily. If you are in the process of purchasing your first home in Denver and want to make sure you are in an affordable and comfortable situation, check out the Denver NEWSED resource. 

Recap of Our Top Picks In Colorado 

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

Nearby States

All states
Home warranty New Mexico 34 companies available
New Mexico Home Warranty
Home warranty Utah 39 companies available
Utah Home Warranty
Home warranty Wyoming 31 companies available
Wyoming Home Warranty

Frequently Asked Questions in Colorado

Below are just some of the frequently asked questions we receive about home warranties in Colorado.

Q.

Is a Colorado home warranty worth it?

A.

For the peace of mind that comes from having all your major appliances and systems covered from the potential for breakdown due to normal wear and tear, a home warranty is worth it.

The views and vistas outside your Colorado home are likely spectacular, but the appliances and systems inside your home can malfunction at any time. You want to protect your Colorado real estate investment, and you want to keep your home functioning smoothly. 

Paying repair costs out of pocket for one or multiple breakdowns can really be a drain on your budget. So, say one month your HVAC system breaks down. You pay the HVAC technician hundreds or even thousands of dollars to fix the problem. Then the next month your refrigerator stops working...you get the picture. All these fixes and replacements can add up quickly.

Home warranty coverage can help manage those costs by covering multiple systems and/or appliances in your home from breakdowns due to everyday wear and tear. You can pay hundreds instead of thousands of dollars for one or multiple system/appliance malfunctions.

Q.

What are the best home warranty companies in Colorado?

A.
Our research into nearly 70 home warranty providers gives us a lot of exceptional data to sift through. Based on our findings, here are the top five home warranty companies serving the state of Colorado:

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Service Plus
  5. Liberty Home Guard
Q.

What do home warranties cover?

A.
For those system and appliance breakdowns that are not covered by a homeowner’s insurance policy, a home warranty can be the next line of defense. A home warranty covers specific systems and or appliances in your home from wear and tear-related breakdowns. A home warranty policy covers specific types of malfunction up to a specified dollar amount.

Commonly covered appliances include:

  • Refrigerator
  • Oven/stove/range
  • Clothes Washer
  • Clothes Dryer
  • Dishwasher
  • Built-in Microwave
Commonly covered systems include:

  • Electrical
  • Plumbing, including stoppages
  • HVAC, including ductwork
  • Water Heater

Most home warranty companies also offer add-on coverage for sump pumps, well pumps, septic pumps, pool and spa, and limited roof leaks. 

You’ll want to look at the coverage options carefully to see what each home warranty plan does and does not cover.
Q.

How much does a home warranty cost?

A.
The cost of a home warranty has two components: the monthly premium and the service call fee. A service call fee is paid only when a claim is made and the home warranty company sends a licensed technician to your home to evaluate the issue. This cost ranges from around $70 to as high as $150. Usually, the higher the service call fee, the lower the premium.

Premiums for individual Appliance Plans or Systems plans are slightly lower than a Combo Plan that covers both systems and appliances. Most people choose a Combo Plan for the comprehensive coverage for not much more money. Here is the average you will spend for a Combo Plan among our top five Colorado providers: 

Combo Plan
Monthly
Annually
Top 5 Average
$56
$672
Q.

How do I choose a good home warranty?

A.
Choosing the right home warranty plan does not need to be stressful. Here are three simple steps to choose the right one for your situation.

  1. Research - Do the work you’re doing now in educating yourself about what is available, what a company’s reputation is, and how much the plans that work best for you cost.
  2. Get more than one quote - You may find a plan that sounds just right, but get two or three (or more) quotes to make sure you are getting the best deal for the money.
  3. Read the fine print - Every service contract is different. Be sure you understand the exclusions and limitations before signing up and paying that first premium.
Information is power. Taking these steps will help you make the best possible decision.