Best Home Warranty Companies in Colorado (2023 Review)

Top 7 Best Home Warranty Companies in Colorado:

• Choice Home Warranty: Best Overall
• Liberty Home Guard: Best Reviewed
• American Home Shield: Most Customizable
• Select Home Warranty: Most Affordable
• America’s 1st Home Club: Best For Customization
• First American Home Warranty: Best Appliance Coverage
• Cinch Home Services: Best Workmanship

Compare Colorado Home Warranty Providers

Colorado Home Warranty Costs

Home warranty plans typically range in price depending on the size of your home and the breadth of coverage you choose. There’s also significant variation between providers, making it all the more important to shop around for the best deal. 

How We Reviewed The Best Colorado Home Warranty Companies

Review Home Warranties takes the home warranty industry seriously. We dive beneath company jargon and marketing pitches to give you an objective look at how each provider performs and what it’s like to work with them. 

We dive deep into the fine print of every home warranty company’s plans to evaluate how well they’ll cover your home – so you won’t be surprised when you file a claim. Our rankings and reviews are based on a long list of factors, including:

• Plan pricing
• Plan coverage
• Coverage caps
• Exclusions and limitations
• Ease of use
• Customer service
• Customer reviews
• Transparency
• Company reputation and track record

That review resulted in the following five home warranty providers being chosen as the best in Colorado.

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. Choice Home Warranty: Best Overall

Choice Home Warranty is the best overall home warranty provider for most Colorado homeowners. Choice is well aware that, as a Colorado homeowner, you need protection for your plumbing system as well as your dishwasher – so both of Choice Home Warranty’s standard plans offer comprehensive coverage for your house’s systems and appliances. A substantial 13-year track record in the industry, fair pricing, and high coverage caps moved Choice Home Warranty to the top of our list. 

Plans, Pricing, and Coverage 

Choice Home Warranty offers $3,000 coverage caps on most systems and appliances, considerably higher than many other plans in the industry. The Basic Plan omits coverage for some of Coloradans’ most popular items – like the refrigerator, HVAC, and the washer and dryer – so the company’s Total Plan is a more popular choice.

Take a look at Choice Home Warranty plans: 

• Basic Plan: ($45): The Basic Plan includes systems like heating, electrical, and plumbing and appliances like the oven, cooktop, and dishwasher. 

• Total Plan: ($53.33): The Total Plan is more comprehensive and includes the refrigerator, air conditioning system, clothes washer, clothes dryer, and everything the Basic Plan covers. This is the more popular option for Colorado homeowners. 

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. 

“Great experience, great and honest company. I've never had any problems or issues with them. Extremely fast to resolve your issues. Top-notch company. My family and friends will NEVER use another company. My A/C was repaired within 48hrs by a top company. Later my garbage disposal was replaced in 24 hrs with a top-of-the-line product. I signed with them on 12/29/21, and I have had 2 different claims in 4 **. They took care of ** immediately, no questions asked.” - Alfred R.

Read our full Choice Home Warranty Review for more information.

2. Liberty Home Guard: Best Reviewed

Liberty Home Guard is the best-reviewed home warranty provider in Colorado. Even though the company has just over five years of industry experience, it has focused on customer needs right from the start. Liberty Home Guard can be a great choice if you are looking for a wide range of coverage, more than 25 add-on options to customize your plan, and a customer service team that works quickly to find you a solution. 

Plans, Pricing, and Coverage 

One of the things that helps Liberty Home Guard stand out as an excellent option for Colorado homeowners is its 60-day workmanship guarantee. If a home warranty repair fails within the first 60 days, Liberty Home Guard will send a contractor out free of charge to have it repaired. The industry standard guarantee is 30 days. However, coverage caps for most major systems and appliances are $1,600 for Colorado homeowners – a little below average. 

Take a look at Liberty Home Guard plans 

• Appliance Guard Plan: ($45): Covers nine major appliances in your kitchen and laundry room.
• Systems Guard Plan: ($49.83): Although this plan covers only six items, they are important ones for Colorado homes; central air conditioning, central heating, plumbing, electrical, water heater, and ductwork.
• Total Home Guard Plan: ($54.33): For just a few dollars more than the Appliance Guard or Systems Guard, the Total Home Guard plan combines the two.  

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.

“Based on price, quality of service, and the professionalism of the representative, I am confident Liberty is the best choice for a home warranty.”- William N.

Learn more from our Liberty Home Guard Review.

3. American Home Shield: Most Customizable

With the ability to choose your service fee and payment date, and a long list of additional coverage options, American Home Shield is the most customizable home warranty for Colorado homeowners. The company boasts more than 50 years of history in the industry and some of the most generous terms on the market – including coverage caps as high as $6,000 on your appliances and unlimited coverage for your systems.

Plans, Pricing, and Coverage 

American Home Shield offers three plans that could be good options in different situations. The systems-only plan could work well if you have new appliances with solid manufacturer warranties. The mid-level plan will be best for most customers, combining comprehensive coverage and higher-than-average coverage caps at a reasonable price. The premium plan costs significantly more, but doubles your coverage caps and includes a host of other benefits, like roof leak coverage. This could be a good choice for higher-value homes.

Take a look at American Home Shield’s plans:

• ShieldSilver Plan ($35): A systems-only plan that has coverage for 14 major systems in the home. No appliances are covered.
• ShieldGold Plan ($55): With coverage for 23 systems and appliances, this is a comprehensive home warranty plan and the right choice for most customers. 
• ShieldPlatinum Plan ($85): This represents the most comprehensive home warranty plan in the industry, with everything in the ShieldSilver and ShieldGold included and the addition of roof leak, free HVAC tune-ups, and coverage boosts. The plan also doubles the coverage cap to $6,000 for certain appliances, making it a very valuable home warranty plan for people with high-end homes. 

Note: You have the ability to lower the service fee to $75 or $100, but this will increase the price you pay per month.

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.

“This is the second time I have called American Home Shield to come to my rescue. The technician was prepared, knowledgeable, and friendly. Even better, he called to ask if he could come early! When does that ever happen? Needless to say, I love AHS!”- Mary D.

Read our American Home Shield Review for more information.

4. Select Home Warranty: Most Affordable

Owning a home in Colorado can get expensive, so having an affordable home warranty can really help your wallet. Select Home Warranty does a solid job of meeting price with value. A major perk: All of the company’s plans include roof leak coverage, something most providers require you to pay extra for. With the snow that Colorado homes are exposed to, a little help with roof leaks can be a tremendous benefit. 

Plans, Pricing, and Coverage 

Select Home Warranty stands out from the competition because of its Platinum Plan – a comprehensive home warranty plan that costs less than most of its competitors' similar offerings. For most customers, this will be the easiest choice among the three offered by Select.

Take a look at Select Home Warranty’s plans: 

• Bronze Plan ($44.42): This is a basic appliance plan with eight appliances included. 
• Gold Plan: ($44.42): The Gold Plan covers your home’s systems only, for a total of six items. 
• Platinum Plan ($47.75): The best overall value from Select Home Warranty, the Platinum Plan includes all of the coverage from the Bronze and Gold combined and the addition of garage door and ceiling fan coverage. This is the best option for most Colorado homeowners among Select’s offerings.

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. 

“The technician was excellent, efficient, diagnosed a complex problem, decided correctly the circuit board that needed replacement and helped us with the processing. He was super professional and experienced. We have had only good experiences with Select Home Warranty for the past 2 years, use them in 5 different properties.”- Laura J.

For more information, read our Select Home Warranty Review.

5. Cinch Home Services: Best Work Guarantee

Most home warranty providers will guarantee their repairs for about 30 days. America’s 1st Choice Home Club does significantly better – offering a work guarantee for as long as you have your plan. This could be for the remainder of the year, or as long as three years if you’ve paid in advance. With four different plan choices and a variety of add-on options, America’s 1st Choice Home Club gives you the ability to personalize a plan for your home – and you get some peace of mind that any repairs made will be high-quality work.

Plans, Pricing, and Coverage 

There are three home warranty plans to choose from with Cinch Home Services. The lowest-priced plan covers appliances. However, most Arizona homeowners find the need to add some systems to their policy to make it more broad. On the other hand, the Built-In Systems Plan won't have you covered on both either. This is why the Complete Home Plan is the most popular option among AZ homeowners, covering all 32 appliances and systems for as low as $49.99 per month! Cinch's service fees are relatively high for the home warranty industry, being $100, $125, and $150. You can choose your desired service fee, but remember, a lower service fee results in a higher monthly premium 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 a very straightforward option with coverage for 11 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. 
• Built-In Systems Plan ($51.99 per month): The Built-In Systems Plan is a systems-only plan with coverage for some of the essential systems in the home. The pricing of this plan is a little higher than the appliances plan. It includes 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. 
• Complete Home Plan ($61.99 per month):  The Complete Home Plan is the most comprehensive option from Cinch Home Services. The total of 32 covered systems and appliances is an impressive industry-leading number of coverages. In addition, the Complete Home Plan allows for a $500 homeowners insurance reimbursement and a credit towards air conditioning filters each policy period.
• Optional add-ons:Cinch Home Services add-on coverages for Arizona residents can be a bit limited; however, you will find good coverage for pools and spas. It also offers the Premier Upgrade Package, which includes $1,000 for any unexpected costs that may pop up during a claim. The Premier Upgrade Package is a popular and smart addition to the plan.

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.

“I was pleasantly surprised at the prompt and courteous resolution to a claim I submitted to AFC, a complete opposite to our previous policy from another company that was given to us by our realtor. AFC didn't make excuses; they were very fair with the amount they reimbursed me. Highly recommend this company for peace of mind.” Patricia P. 

For more information read our Cinch Home Services Review.

How to Find the Best Home Warranty in Colorado

Price is obviously important when you’re shopping for a home warranty – but it’s not the only factor to take into consideration. Here are a few other key details to keep in mind.

Plan Coverage

Your home warranty plan could cover as few as three or four systems or appliances, or more than 20. Inventory the appliances and systems in your home before looking for a plan, especially noting the items you’re worried might need fixing. As you shop, read through each plan’s details carefully to make sure it will cover the things you value.

Workmanship guarantee 

With a workmanship guarantee, your home warranty provider promises to send somebody back out for free if the initial repair fails to take care of the issue. For most companies, this guarantee lasts for about 30 days. Any longer than that, and the company is above-average. Although most repairs are successful, having a long workmanship guarantee in place decreases the potential for out of pockets costs. 

Customer reviews

Home warranty companies can say what they want about their products, but customers will give you a true representation of what it’s like to deal with that provider. Look for information about claim denials, follow-up time and workmanship guarantees when a repair fails. 

Home Warranty Tips for People Living in Colorado

For homeowners living in Colorado, there are a few things you will want to be aware of when shopping for the best home warranty company. The first of which is system coverage. 

Many areas of Colorado have hills and mountains that can cause issues with plumbing systems. Your home warranty’s system coverage can help take care of plumbing stoppages and leaks, so it’s definitely worth considering when buying a plan.

In addition, it makes sense to look for a plan with high coverage caps. A coverage cap is a maximum amount a home warranty provider will pay to repair or replace a specific item. Usually, these coverage caps cover the entire year. If that cap isn’t high enough to completely repair or replace what’s broken, you’ll be on the hook for the rest of the bill. 

This means that a home warranty plan that covers more items may not always be the best deal. For example, if one home warranty has 20 covered items, but each item has a coverage cap of $500, it won’t be nearly as valuable as a plan with 15 covered items and $3,000 coverage caps.

Also carefully examine the exclusions your home warranty plan specifies. An exclusion is something specifically not covered by your plan. We are often surprised by some of the fine print that excludes common items you’d assume were covered. For instance, the ice maker in your refrigerator may be excluded, or fixtures in plumbing coverage may be excluded. Know these things ahead of time, so you know what you are paying for. 

Home warranty regulations in Colorado 

The Colorado Division of Insurance, specifically the Colorado Department of Regulatory Agencies, helps regulate home warranties in the state of Colorado. If you need to file a complaint or check on the status of a particular provider, this would be the place to start. 

Final Thoughts About Home Warranties in Colorado

Choosing the best Colorado home warranty can be a bit of a challenge due to the sheer number of options you have. We recommend starting with Choice Home Warranty. Its fair pricing, strong history in the industry, and the above-average $3,000 coverage caps it offers make it an excellent provider for most Colorado homeowners.

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!

Nearby Cities

• Aspen, CO
• Breckenridge, CO
• Berkley, CO
• Colorado Springs, CO
• Denver, CO
• Fort Collins, CO
• Clifton, CO
• Longmont, CO
• Parker, CO
• Telluride, CO

Final Thoughts About Home Warranties in Colorado

Choosing the best Colorado home warranty can be a bit of a challenge due to the sheer number of options you have. We recommend starting with Choice Home Warranty. Its fair pricing, strong history in the industry, and the above-average $3,000 coverage caps it offers make it an excellent provider for most Colorado homeowners.

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 

Choose your State: - Any -AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingDistrict of Columbia

  # 1 Our Top Choice Liberty Home Guard

Editorial Rating 98.00

• $200 off + 1 Month Free + Free Roof Coverage!
• BBB's Only A+ Accredited Home Warranty Company!
• 60-day workmanship guarantee compared to the average of 30 days.
• More than 20 options, including window washing, swimming pools, and irrigation.
• 24/7 service calls

Liberty Home Guard Review

Visit Website (866) 472-3812

  # 2 Cinch Home Services

Editorial Rating 95.30

• First 2 Months Free on all Plans! (exclusions apply)
• Industry-leading 180-day workmanship guarantee
• $500 Homeowner insurance deductible reimbursement
• Thousands of reliable & fast local service providers
• 24/7 customer service
• Low cancellation fee

Cinch Home Services Review

Visit Website (855) 995-1294

  # 3 First Premier Home Warranty

Editorial Rating 95.10

• Lower chance of claim denial
• Multiple optional coverage items
• 24/7 service calls
• Great promotions available
• Market veteran
• Large and established firm

First Premier Home Warranty Review

Visit Website 929-360-2558

  # 4 The Home Service Club

Editorial Rating 94.90

• 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

The Home Service Club Review

Visit Website (855) 498-4719

  # 5 ServicePlus Home Warranty

Editorial Rating 95.10

• $200 OFF + 2 Months Free
• Free Roof Coverage
• Comprehensive coverage plans

• 1 day to submit claim
• Limited availability

ServicePlus Home Warranty Review

Visit Website (267) 824-4010

  # 6 First American Home Warranty

Editorial Rating 95.70

• Best Customer Service 2020
• $100 Instant Online Discount
• Plans from $25/m

• Automatically renewed policy

First American Home Warranty Review

Visit Website (888) 445-5837

  # 7 Complete Care Home Warranty

Editorial Rating

• Lower chance of claim denial
• 24/7 service calls
• Great promotions available

Complete Care Home Warranty Review

Visit Website