Colorado homeowners have access to amazing views, impressive mountains, and some of the best weather in the country. Living in Colorado has many incredible benefits, but being a homeowner can sometimes mean that a home warranty is necessary to keep the home in excellent condition. 

In this guide, we will cover . . . 

  • What is a 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 2021
  • And much more!
Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
96.5

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

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 97.5
  • $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 97.0
  • 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 96.5
  • $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 Liberty Home Guard
Editorial Rating 96.1
  • $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
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • 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
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

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. Overall it is important to consider service fees, coverage caps, and monthly payments when looking at the overall fees. 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 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 policy in the state of Colorado. The Choice Home Warranty plan has more than 13 years of experience in the home warranty industry. In addition, the Choice Home Warranty plans are both comprehensive plans that cover both systems and appliances. With coverage across the entire country and 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

 

Low overall pricing 

 

Fair service fees

 

Good contractor professionalism

 

Plans and Pricing 

There are only two Choice Home Warranty policies, the Basic Plan and the Total Plan. One thing that makes Choice Home Warranty unique is that each of these plans has both systems and appliances. The overall pricing of Choice Home Warranty is in the lower to fair end of the market. 

Plan

Cost Per Month

Service Fee

Basic Plan

$42

$85

Total Plan

$50

$85

Coverage

The Choice Home Warranty policy is one of the only options on the market that will have both systems and appliances as part of their coverage. Having the option to have your heating system and your washer and dryer included in your policy is quite important. Remember that the Total Plan will have a few more systems than the Basic Plan, making it a more comprehensive coverage choice. Some of the most popular covered items for Colorado residents include

  • Electrical system 
  • Plumbing system 
  • Washing Machine
  • Water Heater
  • HVAC system  

What Customers Are Saying: 

Just bought a house and warranty moved with us from an old house, and I'm glad it did as we developed a plumbing blockage. I opened a claim Saturday via the Choice website and had a Monday appointment within an hour. The plumber replaced the disposal and resolved the issue in less than an hour for the service call fee only. Great value. Great Service. Had a similar experience with an ice maker at an old house. Peace of mind is priceless.” Source

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 on the market to get a fit for your needs. The American Home Shield plan has been on the market for more than 50 years. 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

The American Home Shield policy has three choices for Colorado homeowners. The Gold and Platinum 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 like a spa and then customize your monthly and service fee pricing. 

Plans

Cost Per Month

Service Fee

Silver Plan

$45

$75 - $125

Gold Plan

$55

$75 - $125

Platinum Plan

$79

$75 - $125

Coverage 

American Home Shield is known for having very premium coverage choices. For those that are lucky enough to have a deck with a spa overlooking the Colorado mountains, you can even get add-on coverage for the spa. In addition, roof leak coverage is also an option that many Colorado homeowners like to add to their plan. The most popular home system and appliances covered in the AHS plan are... 

  • Septic system 
  • Heating system 
  • Refrigerator
  • Dishwasher Oven

What Customers Are Saying

“Best service ever, by far. Excellent contractors compared to what previous home warranty service used. AHS's are extremely friendly, competent & fast.” Source

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty in the state of 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. 

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 and Pricing

The Select Home Warranty policy lineup is relatively standard for a Colorado home warranty. You will notice that there is a systems plan, appliance plan, and combo plan in place. Each of the plans and pricing associated with them are pretty fair and come with the free roof leak coverage as an add-on. 

Plans

Cost Per Month

Service Fee

Gold Care

$41

$65

Bronze Care

$41

$65

Platinum Care

$47

$65

Coverage: 

Typically speaking, as a plan increases in price, the coverage will become more comprehensive. The good news is that Select Home Warranty does offer coverage for most systems and appliances in the home. The platinum care plan is the best overall choice because of the impressive options for the price. Some of the most popular covered items for Colorado homeowners include. . . 

  • Heating systems 
  • Cooktops
  • Electrical systems
  • Ceiling fans
  • Refrigerators 

What Customers Are Saying

The company has an easy claim process, they are responsive, and contractors are knowledgeable and on time for the appointments. I had an A/C issue and a plumbing issue, and they handled each one professionally.” Source

4. Best Reviewed: Liberty Home Guard 

The Liberty Home Guard plan is 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 the Liberty Home Guard policy has only been on the market for the last two years. In that time, they have managed to earn a BBB rating of A. 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

Optional 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 and Pricing

The Liberty Home Guard policy has three 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. You shouldn’t have a hard time matching one of these plans to the needs of your Colorado home. 

Plans

Cost Per Month

Service Fee

Systems Guard

$49.99

$60

Appliance Guard

$44.99

$60

Total Home Guard

$54.99

$60

Coverage: 

Colorado homeowners tend to find the best value in the Total Home Guard plan that covers a combination of systems and appliances. Some of the options coverages that the Liberty Home Guard policies will give you include gutter cleaning and even pest control. If you like unique coverages, this is a great plan to consider. Most Colorado homeowners are choosing things like . . .

  • Garbage disposal
  • Roof leak coverage
  • Washer
  • Dryer
  • Water Heater 

What Customers Are Saying: 

“Our technician was selected and came to the house in less than a day! He was able to repair the freezer” Source

5. Best Emergency Service: ServicePlus Home Warranty 

ServicePlus Home Warranty is the best option for emergency service in Colorado. Although you hope to never be in this situation, sometimes there are systems or appliances that need emergency coverage or repair. Take, for instance, when a heating system breaks down the day of a snowstorm. Service Plus Home Warranty does a great job of getting to your home quickly and efficiently handling the problems. 

Pros 

Cons

High-quality service technicians

Some emergency services will come with an upcharge

Speedy service

 

Simple contracts

 

Large network of repair technicians

 

Plans and Pricing

There are just two plans from ServicePlus, and they are the Gold Plan and the Platinum Plan. The great thing about both of these plans is that they will offer a combination of both system and appliance coverage. 

Plans

Cost Per Month

Service Fee

Gold Plan

$42

$75

Platinum Plan

$46

$75

Coverage

The great thing about policy choices that have both systems and appliances is that your plan is much more comprehensive. In addition, the Service Plus home warranty has some great additional coverages for those that are looking to customize the plan further. Many Colorado homeowners add coverages like . . . 

  • Dishwasher
  • Garage door opener
  • Garbage disposal
  • Electrical system 
  • Refrigerator 

What Customers Are Saying:

You never know how good a policy is until you have to claim. This is a great company with excellent staff who provide knowledgeable, attentive, and efficient customer service to clients. Highly recommend.” Source

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 is on the market, they have proven they certainly have what it takes. With an A- rating from the BBB 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 

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 years. 

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

Coverage

The overall coverage for the First Premier home warranty policies covers both systems and appliances. Each plan has more than 15 options for Colorado homeowners to choose from. Some of the most popular covered items include... 

  • Refrigerators
  • Oven
  • Water heater
  • Electrical system
  • Plumbing system 

What Customers Are Saying 

“Great and reliable company. Waited to do this after my service request; they showed up on time and got me approved for a new microwave!” Source 

7. Best Workmanship: Cinch Home Services 

The Cinch Home Services 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. 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. 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 and Pricing

The Cinch Home Service policy has 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 because of the combination of system and appliance coverage. 

Plans

Cost Per Month

Service Fee

Appliances Plan

$44.99

$100 - $150

Built-In Systems Plan

$51.99

$100 - $150

Complete Home Plan

$61.99

$100 - $150

Coverage

As Cinch Home Services has spent so much time in the industry, they have grown their coverage choices considerably. You can get plenty of add-on options to meet the needs of your Colorado home. Some of the most popular options covered under the Complete Home Plan include. . . 

  • Septic tank
  • Sump Pump 
  • Ice Maker
  • Electrical System
  • Refrigerators 

What Customers Are Saying

Our microwave just went out; it’s180-day a hood over stove model. From the time we placed the call to the time it was completed, the wait was reasonable. The service person answered all my dumb questions and was on time for the initial visit and follow-up when he had to order the parts. The parts were here within two days; it was fixed thereafter. I appreciated the service and coverage after the initial deductible. I'm glad I didn't have to hire an outside person to either fix or replace the microwave, I have no idea how to replace a hood model, and I'm sure the labor costs would have been much more.” Source

Home Warranty Coverage in Colorado Cities

What You Should Consider Before Buying A 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. 

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 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. 

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 97.50
  • $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 97.00
  • 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 96.50
  • $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 Liberty Home Guard
Editorial Rating 96.10
  • $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
  # 5 ServicePlus Home Warranty
Editorial Rating 95.50
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Choose your own service fee!
  • Multiple optional coverage items
  • Limited plan selection
  • Online chat not supported
  # 7 Cinch Home Services
Editorial Rating 95.00
  • 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

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 30 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.