Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Buying a home is a big step for many people, but the cost of maintaining it can get expensive over time, especially if your home in Highlands Ranch is on the older side. A home warranty plan can help protect you by covering major repairs and replacements on your home’s most important appliances and systems.
Finding the best home warranty on the market can be challenging, as there are so many companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Highlands Ranch for you.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Highlands Ranch. Liberty has over 6 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Liberty, you can benefit from a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $75.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read our comprehensive review of Liberty Home Guard to learn more.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty in Highlands Ranch. Choice has over 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Choice, you can benefit from very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for most major systems and appliances, and service fees are an affordable $85.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read our comprehensive review of Choice Home Warranty to learn more.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in Highlands Ranch. Select has over 11 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for most major systems and appliances, and service fees are a reasonable $60.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read our comprehensive review of Select Home Warranty to learn more.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty in Highlands Ranch. AHS has over 26 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from AHS, you can benefit from the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for most major systems and appliances, and service fees are customizable and range from $75 to $125.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read our comprehensive review of American Home Shield to learn more.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Highlands Ranch. First American has over 39 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for most major systems and appliances, and service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read our comprehensive review of First American Home Warranty to learn more.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee in Highlands Ranch. Cinch has over 44 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for most major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read our comprehensive review of Cinch Home Services to learn more.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service in Highlands Ranch. HSC has over 15 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. The home warranty provider offers 2 plans to policyholders that have various options for appliance and system coverage. With a home warranty from HSC, you can benefit from quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for most major systems and appliances, and service fees are customizable and range from $65 to $90.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read our comprehensive review of The Home Service Club to learn more.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $7,078 |
| Heating | $4,719 |
| Electrical | $708 |
| Toilets | $590 |
| Washer/Dryer | $944 |
| Plumbing | $708 |
| Oven | $1,887 |
| Fridge | $708 |
A home warranty is a protection policy that helps lower expenses for Highlands Ranch homeowners needing appliance and system repairs. These plans provide financial coverage to fix or swap out appliances and systems that break due to normal wear and tear.
Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid expensive emergency repairs. The coverage is especially helpful for owners of older houses or houses with fixtures near the end of their life span. However, people with newer homes and functioning appliances may not need a home warranty.
Home warranties cover many household systems and appliances. Covered appliances normally include microwaves, washers, garbage disposals, dryers, dishwashers, refrigerators, and more. Covered systems include electrical, heating, air conditioning, and plumbing. Many home warranty companies also provide add-on coverage for central vacuums, locksmiths, roof leaks, and septic systems. Highlands Ranch homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or improperly using a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
There are several key factors to consider when selecting a home warranty provider:
Home warranty plans can have major differences in covered items. Most plans cover plumbing, electrical, heating, AC, and appliances. More inclusive options also include coverage for other items such as well pumps, roof leaks, spas, and pools. Focus on companies with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with more affordable fees to maximize savings on every claim. Some providers also eliminate deductibles if a customer goes a period of time without filing any claims.
A home warranty provider's reputation can provide insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Use review platforms such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty companies have networks of technicians that they use to tackle covered repairs. Wider networks increase the chance of getting skilled contractors to your home promptly. Reach out to possible providers to learn how many technicians they have in Highlands Ranch to understand how long repairs could take in an urgent situation.
Home warranty providers often include extras such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These can add value beyond just repair coverage. Added perks help maximize the usefulness of the home warranty.
Since temperatures in Highlands Ranch can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty policy can help homeowners save money if one of these systems or appliances breaks suddenly.
Not only does a home warranty give you some financial relief, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty takes care of this process by sending trusted professionals to your door when you need them most. Another good thing about having a home warranty is while selling your home, you can most likely transfer your home warranty to the new owners. This can make your house more attractive to potential homebuyers and help your home sell faster.
As for the drawbacks of home warranties, coverage varies by provider, so it’s important to review what each policy covers and doesn’t include in the contract.
Another stipulation is that home warranties usually only cover damage from normal wear and tear. They often won’t cover home systems or appliances that have stopped working due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty policy costs, on average, about $300 to $600 a year in Highlands Ranch. Our top-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's usually cheaper to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems with home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different insurance that protects the entire home from natural disasters, which might not be too much of a concern in Highlands Ranch. It doesn't cover a typical appliance or system breakage.
A home warranty can help homebuyers, investors, homeowners, real estate agents, and home sellers. It can offer peace of mind and savings to anyone involved with homeownership.
The different home warranties in Highlands Ranch include plans with coverage for either appliances or systems as well as combination plans. A combination plan will cover your home systems and appliances, such as your refrigerator, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the contract.
Home warranty plans usually last a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Typically, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who will pay the service fees when using the policy. In Highlands Ranch, where the median value of a home is $708,540, having the seller pay for the home warranty can save you some money on your new home.
