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The Best Home Warranty Companies in Colorado

For Colorado homeowners, there are certain types of scenarios that aren’t covered by your homeowners insurance, like your refrigerator breaking down or your electrical system failing. Fortunately, a home warranty can protect your major home systems and appliances when they break down due to normal wear and tear. Read on for the best home warranty companies in Colorado.

Colorado Home Exterior iStock

A home warranty covers the repair and replacement of systems like your heating and plumbing, and appliances like your dishwasher and refrigerator. Not to mention, it offers Colorado homeowners peace of mind when an essential item breaks down.

Colorado’s Top 4 Home Warranty Companies

The highest rated home warranty companies in Colorado include:

  1. American Home Shield (AHS): Best Overall
  2. Choice Home Warranty: Best Service
  3. AFC Home Club: Best for Customization
  4. Liberty Home Guard: Most Trustworthy

Because there are a variety of home warranty companies available, the This Old House Reviews Team researched dozens of home warranty companies to identify the top home warranty companies in Colorado.

1. American Home Shield

American Home Shield brings Colorado homeowners value for its competitive pricing and comprehensive plans. AHS is one of the oldest home warranty companies in the business and is available in all states except for Alaska.

Compare the following pros and cons of American Home Shield below:

Pros & Cons

Pros Cons
Pros Cons
Has a network of 17,000 local contractors Isn't available in Alaska
Provides 24/7 customer service Repairs are only guaranteed for 30 days
Customers can choose their own service fee

American Home Shield has three plan options to choose from: ShieldPlatinum, ShieldGold, and ShieldSilver.

AHS also provides coverage for the following optional add-ons:

  • Electronics extended warranty
  • Pool and spa
  • Well pump
  • Septic pump
  • Guest unit under 750 square feet

To be eligible for coverage, all covered items must have broken down or failed due to normal wear and tear and be in proper working condition upon your warranty’s start date.

Price Breakdown

In general, AHS plans cost between $40 and $58 per month. The company also allows customers to select a service fee of $75, $100, or $125. The higher the service call fee you choose, the lower your premium will be.

Out team was also quoted the following prices for add-ons:

Add-On Prices

System or Appliance Price per Year
System or Appliance Price per Year
Electronics plan by Asurion $14.00
Pool only $23.75
Inground spa only $23.75
Pool and inground spa equipment $23.75
Additional inground spa $15.42
Well pump $8.33
Guest unit $18.99
Septic pump $4.17
To get a free quote from American Home Shield, call 844-529-9298 or fill out this easy form.

2. Choice Home Warranty

Choice Home Warranty (CHW) is one of the best home warranty options for older Colorado homes. Appliances and systems tend to break down more often in homes that are older, and Choice Home Warranty is ideal for people who may have to make claims more frequently. The company doesn’t restrict coverage based on your home’s age or the age of the items you want to cover.

Compare the benefits and drawbacks to Choice Home Warranty below:

Pros & Cons

Pros Cons
Pros Cons
Offers coverage without requiring a home inspection Customers can’t customize their plans
Customers can cancel for free within 30 days of the contract start date Doesn’t service Washington or California
Has a 90-day repair guarantee Doesn’t let customers choose their own contractor

Choice Home Warranty offers two home warranty plans: a Basic Plan and a Total Plan. Both plans cover major systems and appliances, but the Total Plan includes coverage for your air conditioning, refrigerator, clothes washer, and clothes dryer.

You can also add the following add-ons to your plan:

  • Pool / Spa
  • Well pump
  • Sump pump
  • Central vacuum
  • Limited roof leak
  • Septic system
  • Second refrigerator
  • Stand alone freezer
  • Septic tank pumping

Here’s the pricing breakdown for CHW plans:

Price Breakdown

Plan Price per Month Price per Year (13 months)
Plan Price per Month Price per Year (13 months)
Basic Plan $41.69 $495.00
Total Plan $50.00 $600.00

Here was the cost breakdown for each add-on:

Add-On Price Breakdown

Systems or Appliance Price per Year
Systems or Appliance Price per Year
Pool / Spa $180.00
Well pump $100.00
Sump pump $40.00
Central vacuum $40.00
Limited roof leak $70.00
Septic system $120.00
Second refrigerator $40.00
Stand alone freezer $40.00
Septic tank pumping $65.00

Note: Choice Home Warranty requires a $60–85 trade service call fee per claim in addition to your plan’s annual cost.

Because prices vary depending on your location, the square footage of your home, and the coverage plan you choose, we recommend getting a free quote from Choice Home Warranty at 929-400-6165 or by filling out this online form with your zip code.

3. America’s First Choice Home Club

America’s First Choice Home Club (AFC Home Club) offers some of the most customizable plans in the industry. Additionally, the company provides unique benefits like free credit monitoring, emergency alert services, and discounts on maintenance equipment and supplies.

Compare some of the benefits and drawbacks to AFC Home Club below.

Pros & Cons

Pros Cons
Pros Cons
Has the longest work guarantee in the industry, guaranteeing parts and labor as long as you’re a member Doesn’t provide coverage for pre-existing conditions
Allows customers to choose their own service technician Monthly premiums are slightly higher than other competitors
Has a completely in-house service team Charges a $75 cancellation fee

America’s First Choice Home Club offers four plan options for Colorado homeowners, including a Systems Plan, Silver Plan, Gold Plan, and Platinum Plan. The Systems Plan covers essential home systems like your air conditioning and heating, the Silver Plan covers home appliances like your refrigerator and dishwasher, the Gold Plan covers a combination of the two, and the Platinum Plan covers everything in the Gold Plan, plus plumbing stoppages, a built-in microwave, and an ice maker.

The following items are also available for optional coverage:

  • Sump pump
  • Septic system
  • Hot water dispenser
  • Pool and spa
  • Stand alone freezer
  • Tankless water heater

Here’s the cost breakdown of AFC Home Club plans:

Monthly Price Breakdown

Term Length 3-Year (36 mo.) 3-Year (36 mo.) 3-Year (36 mo.) 1-Year (12 mo.) 1-Year (12 mo.) 1-Year (12 mo.)
Term Length 3-Year (36 mo.) 3-Year (36 mo.) 3-Year (36 mo.) 1-Year (12 mo.) 1-Year (12 mo.) 1-Year (12 mo.)
Service Fee $75 $100 $125 $75 $100 $125
System Plan $62.50 $58.75 $55 $39.58 $35.42 $31.25
Silver Plan $55 $52.50 $50 $37.50 $35.42 $33.33
Gold Pan $68.75 $65 $61.25 $45.83 $43.75 $125
Platinum Plan $78.75 $75 $71.25 $50 $47.92 $45.83

Here are the prices for additional optional items:

Optional Items Prices

Systems and Appliances Price per Year
Systems and Appliances Price per Year
Sump pump $30.00
Septic system $50.00
Hot water dispenser $25.00
Pool and spa $100.00
Stand alone freezer $25.00
Tankless water heater $75.00

Note: The per-visit service fee ranges between $75–$125.

To get a free quote from America's First Choice Home Club, call 877-755-1115 or fill out this online form.

4. Liberty Home Guard

Liberty Home Guard (LHG) is the new home warranty industry with just two years in business. While the company’s plans are on the more expensive end costing up to $60 per month, its service fee is competitive at $60 per visit.

Take a look at the other key features of Liberty Home Guard:

Pros & Cons

Pros Cons
Pros Cons
Only provider in this review with an A rating from the Better Business Bureau Not available in CA, HI, IL, IN, IA, OR, WA, WI, or WY
Over 20 add-on options to customize your plan Comprehensive coverage goes over the average of $600 a year
60-day workmanship guarantee No choice in contractor without authorization

LHG has three plans: Appliance Guard, System Guard, and Total Home Guard. Appliance Guard covers nine major appliances, System Guard covers six major systems, and Total Home Guard protects all of those items, giving you comprehensive coverage.

Liberty Home Guard has over 20 add-on options. Here are a few of them:

  • Pest control
  • Limited roof leak
  • Pool and spa
  • Central vacuum
  • Re-key

Take a look at how much LHG costs per month:

Monthly Price Breakdown

Appliance Guard System Guard Total Home Guard
Appliance Guard System Guard Total Home Guard
$39.99 $49.99 $59.99

Note: The service fee for every LHG plan is $60 per contractor visit.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-452-9107.

Our Conclusion

To find the best home warranty provider, collect quotes from these five home warranty companies. Whether you’re on a budget, own an older home, or are looking for coverage that’s as comprehensive as possible, we feel confident that these companies are a good place to start.

Frequently Asked Questions about Colorado Home Warranties

Can you purchase a home warranty at any time?

If you are a seasoned homeowner, you can purchase a plan at any time. However, if you are a real estate agent or home seller trying to use a home warranty as an incentive to buy the home, you will want to purchase a plan before closing so that you can transfer it to the homebuyer.

How much is a home warranty service fee?

Service fees vary by company. However, the industry norm is $75-$125 per service call. All of the providers in this review are in line or lower than this average.

Do home warranty companies offer sample contracts?

Yes. Home warranty companies will usually offer a sample contract on their website. We recommend reviewing these before purchasing a plan so that you understand the terms and conditions of coverage.

Do I need an inspection before buying a home warranty?

Most companies allow you to purchase a plan without an inspection. However, we recommend getting an inspection anyway so that you know what is and isn’t working when your coverage starts. This prevents the provider from claiming a breakdown wasn’t due to normal wear and tear because you will have evidence of the item’s condition.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.