Looking for a complete guide for the best home warranty options in Colorado? Great, you are in the right place!
Selecting the best home warranty in Colorado is not an easy process. The best home warranty companies in Colorado offer competitive pricing and comparable coverage for major home systems and appliances.
To help you with selecting the right home warranty plan that will fit your needs, we have created these Colorado home warranty reviews. We are constantly reviewing company websites, consumer review sites, and industry data to give you the most up-to-date information on home warranties available in Colorado.
Please read them carefully before you sign a contract with any of these companies. This will help you avoid such mischiefs as denied claims or extra expenses in the future.
Best Home Warranty Companies in Colorado
- $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
- 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
- $150 off + 2 months free
- FREE Roof Leak Coverage
- Good selection of plans
- High contractor professionalism
- $0 transfer fee
- First 30 days: Free cancellation
- $200 off + 2 Month Free + Free Roof Coverage!
- BBB's Only A+ Accredited Home Warranty Company!
- Newly designed customer claim portal
- Smaller company
- Newer on the market
- $200 OFF + 2 Months Free
- Free Roof Coverage
- Comprehensive coverage plans
- 1 day to submit claim
- Limited availability (6 states)
- 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
- Best Customer Service 2020
- $100 Instant Online Discount
- Plans from $25/m
- Automatically renewed policy
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.
Will you benefit from having a home warranty?
If you own a home in Colorado, it makes sense to consider a home warranty. Especially as a home and the systems and appliances in that home age, keeping up with repairs can be a challenge. So for a primary residence or even a rental property, a home warranty can have many benefits.
According to the Census Bureau, the Colorado population is a little bit over 5 million people, of which almost 3.5 million are homeowners. The median age of houses in Colorado is about 37 years. That means that their home systems and appliances may require repairs or replacements at any moment, and many of these repairs can be costly. This is when the best home warranty companies in Colorado may come in handy. They not only find the right contractors in the minimum amount of time, including emergency services, but also they might help you save money.
Finding a home warranty in Colorado is relatively easy because Colorado has a well-established home warranty market. The best home warranty in Colorado offered by companies like First American Home Warranty that has been providing great coverage for home systems and appliances for over 30 years. The newer additions to the market, like Choice Home Warranty and Select Home Warranty, Blue Ribbon Home Warranty, and Fidelity Home Warranty have also been a huge success. Among homeowners in Colorado Springs, Denver, Boulder, Aurora, and other cities and towns, the home warranty has especially become a popular type of investment in recent years, as the cost of repairs grows significantly.
Is it worth buying a home warranty?
Before you start selecting a home warranty plan, you face many questions. One of the first ones is probably "Is it worth buying the best home warranty in Colorado?" The answer to this question mostly depends on the age and condition of your house, even though the home warranty in Colorado is available even for the newly constructed houses. Our Home Maintenance Calculator will help you decide whether a Colorado home warranty will help you save money on repairs and replacements on your home systems and appliances. Just enter the age of your house and the number of estimated repairs per year, and the calculator will compare the price of your home maintenance to an average price of a home warranty plan in Colorado.
Is a home warranty in Colorado available to homebuyers only?
Most home warranty Colorado companies offer coverage not only to homebuyers and existing homeowners but also to home sellers and real estate professionals. Why would a home seller buy a home warranty? Home sellers prefer to purchase services that home warranty companies in Colorado can offer for several reasons.
One of them is that houses covered with a one-year major systems and appliances warranty have a competitive edge over homes not listed under any home warranty plan. Another reason is that the home buyers are less likely to negotiate home prices downward for a house covered by a home warranty.
Colorado realtors often choose to purchase a home warranty on behalf of a seller or buyer, as a way of offering some peace of mind during the purchase or selling process. With all major systems and appliances covered in the home, a real estate transaction can run more smoothly.
Many home warranty companies in Colorado include unknown pre-existing defects of covered items in their policy. This way, buyers do not have to worry about any major unexpected expenses on repairs or replacements for at least one year after a home purchase. After this period, the contract may be extended, and the coverage may be expanded to include such items as swimming pool and spa, central vacuum, septic system, and more.
Top 3 Best Home Warranty Companies in Colorado
- Choice Home Warranty (Best Overall)
- American Home Shield (Editor's Choice)
- Select Home Warranty (Best Value)
Which home warranty plans are available in Colorado?
There are several plans that Colorado customers can purchase. The most popular type that many home warranty customers prefer is the Premier plan, also known as the Combo or Total plan. As the name suggests, these plans cover all the most common home systems, as well as kitchen and laundry appliances.
First-time home buyers or new homeowners might prefer to start with the Basic plan that includes only specific home systems and/or appliances. Later on, many of them switch to the Premier plan, which is the most convenient. The best home warranties in Colorado, such as Choice Home Warranty, cover all home systems and appliances as well as additional items such as central vacuum, septic system, built-in sump pump, pool and spa, and even roof leaks.
In some cases, homeowners prefer to cover either only home systems or home appliances. In these instances, companies like AHW offer Appliance plans for all major kitchen and laundry appliances, and Systems plans that cover heating, air conditioning, electrical, and plumbing systems. For those customers who later decide to cover both, there is a plan that combines coverage for a very competitive price.
It's important to take stock of the most important systems and appliances for your situation, so you can choose the best coverage and options for you.
Best Home Warranty In Colorado?
Choice Home Warranty is our top pick for companies in the Colorado home insurance market. Choice offers three extensive plans to choose from, reservice for failed parts and customer service 24/7 to help in any emergency situation.
First time home buyers or new homeowners prefer to start with the Basic plan that includes only specific home systems and appliances. Later on, many of them switch to the Premier plan, which is the most convenient. The best home warranties in Colorado, such as Blue Ribbon Home Warranty, cover all home systems and appliances as well as additional items such as central vacuum, septic system, built-in sump pump, pool and spa, and even roof leaks.
Which Home Warranty Plan is the Cheapest? - Read Our Research
As soon as you start selecting a home warranty plan, you face many questions. Does the most expensive home warranty plan offer the best coverage? Which plan will give me the best value for the money? Read our research article on the cheapest home warranty plans: how much they cost and which home systems and appliances they cover.
In some cases, homeowners prefer to cover either only home systems or home appliances. In these instances, companies like AHW offer Appliance plans for all major kitchen and laundry appliances, and Systems plans that cover heating, air conditioning, electrical, and plumbing systems. For those customers who later decide to cover both, there is a plan that combines coverage for a very competitive price.
Best Home Warranties in Colorado Reviewed
Choice Home Warranty Review (Best Overall Home Warranty)
- Service Fee: $85
- Coverage: 9/10
- Limits: 9/10
- Exclusions: 9/10
- Affordability: 10/10
- Customer Service: 9.5/10
- Rating: 97.50
Why Do We Like Choice?
Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.
Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items.
Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.
The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.
A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.
That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.
Policy On Pre-Existing Issues or Older Units?
Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life.
What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).
Pros
- Good Limits (up to $1,500)
- Minimal Exclusions
- More Affordable
Cons
- Only 15 Home Appliances & Systems Covered
American Home Shield Review (Editor's Choice)
- Service Fee: $75 – $125
- Coverage: 10/10
- Limits: 10/10
- Exclusions: 9.5/10
- Affordability: 7/10
- Customer Service: 9/10
- Rating: 97.00
Why Do We Like American Home Shield?
Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.
In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.
They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.
Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
Pros
- Highest Payout Limits (up to $3,000)
- Widest Coverage (21 systems and appliances)
- Fewest Exclusions
Cons
- Most Expensive
Select Home Warranty Review (Most Affordable)
- Service Fee: $75
- Coverage: 8/10
- Limits: 8/10
- Exclusions: 8/10
- Affordability: 10/10
- Customer Service: 8/10
- Rating: 95.80
Why Do We Like Select Home Warranty?
Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.
If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.
Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
Pros
- Most Affordable Service Contracts
- Roof leaks Are Covered In Their Platinum Plan
Cons
- Ultra Pushy Sales
- 3 Days To Submit Claim
- Weaker Network Of Contractors
Liberty Home Guard Review
- Service Fee: $75
- Coverage: 10/10
- Limits: 9/10
- Exclusions: 9/10
- Affordability: 8/10
- Customer Service: 9/10
- Rating: 95.10
Why Do We Like Liberty Home Guard?
Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice.
Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home.
Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month.
We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.
Policy On Pre-Existing Issues or Older Units?
If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.
Pros
- State of the art customer portal system
- Rigorous testing for contractors
- Ability to use your own contractors
- Fair pricing
- Good customer service for a newer company
Cons
- Must report your issues within one day of noticing a problem
Service Plus Review
- Service Fee: $75
- Coverage: 8/10
- Limits: 7/10
- Exclusions: 7.5/10
- Affordability: 8/10
- Customer Service: 8/10
- Rating: 95.20
Why Do We Like Service Plus?
Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.
Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.
Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.
Policy On Pre-Existing Issues or Older Units?
Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!
Pros
- You Can Choose Your Own Technicians
- Roof Coverage
Cons
- More Exclusions Than Most Competitors
- The Worst BBB score
- Low Payout Limits ($500)
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 Mexico, Utah, and Kansas.
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