We chose American Home Shield as the best home warranty company in Colorado because of its industry experience and options for comprehensive coverage, followed by Choice Home Warranty, Elite Home Warranty, and First American Home Warranty.
From your HVAC system to your major appliances, Colorado homes consist of dozens of components. If those components break down unexpectedly, you could face an expensive repair bill. Home warranty coverage can provide peace of mind by offsetting these costs. Read on to learn everything you need to know about our top-rated home warranty companies before investing in a plan in Colorado.
What You Need to Know
- Our top choice for home warranty coverage in Colorado is American Home Shield.
- The average cost of a home warranty in Colorado is $55 per month, but prices can range from $38–$76 on average per month or $447–$893 per year.
- According to our 2025 survey of 2,000 home warranty customers nationwide, 31% of Colorado respondents wanted air conditioning coverage, suggesting the importance of this system in the state.
Top Home Warranty Providers in Colorado
After a review of more than a dozen home warranty companies nationwide, we’ve named the following service providers as the top options for Colorado residents.
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Compare Home Warranty Companies in Colorado
The table below compares our top picks for Colorado home warranty companies based on several key factors, including monthly cost, Better Business Bureau (BBB) ratings, and workmanship guarantees. This guarantee covers issues if a repair or replacement fails within a specific timeframe.
| Provider | Our Score (Out of 5) | Monthly Cost* | Service Fee | Better Business Bureau (BBB) Rating** |
|---|---|---|---|---|
$36–$100 | $100–$125 | B | ||
$60–$68 | $100 | B | ||
$45–$60 | $70 ($150 for after hours and weekends) | B | ||
$77–$130 | $100–$125 | B | ||
$44–$82 | $75–$125 | B |
*Pricing may vary depending on your home’s location, size, type, and plan choices.
**The Better Business Bureau (BBB) is an independent organization that evaluates businesses credibility and responsiveness to customers. Ratings are accurate as of February 2025.
Our Review of Top Colorado Home Warranties
Once you understand the basics of a home warranty, you can start shopping for the coverage you need. Let’s take a closer look at our top five home warranty companies in the Centennial State, what each provider covers, and the benefits for homeowners.
American Home Shield
Coverage Overview
- Covers up to $5,000 in repairs for most home systems and up to $4,000 for appliances each contract year
- Plans include coverage for undetectable pre-existing conditions, unlike most competitors
- Highest-tier ShieldPlatinum Plan includes unique benefits such as roof leak protection and annual HVAC tune-ups
Keep in Mind
- Discount availability may vary by plan type
- Charges higher rates for its most comprehensive ShieldPlatinum plan
Our Review
American Home Shield (AHS) is one of the only home warranty companies we’ve reviewed with more than 50 years of industry experience. It’s also among our top picks for comprehensive coverage, with caps that go above and beyond standard industry limits. Major systems such as your air conditioning and heating components include up to $5,000 in damage protection annually on all plans—$3,000 higher than some competing policies. Appliance coverage is also generous, with limits ranging from $2,000–$4,000 depending on your chosen plan. However, the company extends lower limits for certain items, such as $1,000 for roof leaks on the ShieldPlatinum plan.
AHS’s policies also include fewer coverage limitations than competitors, both in terms of when you can use your benefits and the mechanical systems and components covered. For example, you don’t need to provide maintenance records to file a claim and the company doesn’t limit coverage based on component age. The company also classifies a sump pump as a standard inclusion instead of only offering it as an add-on, a benefit for Colorado residents with basements or those living in flood-prone areas.
Choice Home Warranty
Coverage Overview
- Offers two combination plans that cover systems and appliances for less than $60 per month
- Includes upper limits of $3,000 per year for most covered items
- Extends a longer-than-average workmanship guarantee of 90 days for parts and 60 days for labor, compared to the usual 30 days
Keep in Mind
- Add-ons may include lower coverage limits of $500 per item
- Does not allow you to choose between multiple service call fee options, which can limit customization options
Our Review
Choice Home Warranty is our team’s choice for basic coverage—especially if you’re shopping for a home warranty on a budget. After claiming a free quote for five unique properties across Colorado, we found the company’s pricing is consistent across the state and on par with the national average. Choice Home Warranty customers also receive higher coverage limits on most systems and appliances and longer workmanship guarantees than with some competitors.
However, Choice offers only two plan options compared to the three you can usually find with other companies. This may offer less of an appeal if you’re a homeowner looking for a plan with more customization or personalization options. However, Choice’s coverage is competitive for its cost, with policies including general coverage for both systems and appliances.
Elite Home Warranty
Coverage Overview
- Offers three plans with options for systems-only, appliance-only, and combination coverage
- Most covered items include $500–$3,000 in protection with an upper aggregate limit of $15,000 per year
- Features a long list of add-ons, such as annual HVAC maintenance, lawn sprinkler systems, and wine coolers
Keep in Mind
- Charges a $150 service call fee for weekend and emergency service
- Doesn’t offer online enrollment like most of its competitors
Our Review
Elite Home Warranty offers home warranty shoppers three plan tiers, with appliance-only, systems-only, and combination coverage available in Colorado. Outside of these pre-set options, the company also offers a fully customizable plan, which is a unique benefit compared to other providers we’ve reviewed. Plans start around $45 per month and include a flat-rate service call fee of $70 per appointment. Elite also offers an impressive number of optional add-ons, with coverage ranging from services such as routine HVAC maintenance to appliances such as water softeners.
Most items included under Elite’s policies have generous upper coverage limits. For example, refrigerators include up to $3,000 in damage protection, while ovens have $2,000 limits. Some items have more limited protections—for example, ice makers only include $250 in annual coverage, while ceiling fans cap out at $500. However, the company also enforces an aggregate or overall cap of $15,000 for all repairs and replacements per contract term.
First American Home Warranty
Coverage Overview
- Includes high upper coverage limits of $3,500–$7,000 per appliance, depending on your plan
- Some plans include protection for unique items such as code violations, improper installation, and shower heads
- Offers a solid selection of add-ons, with the ability to add coverage for up to three refrigerators
Keep in Mind
- Has some of the most expensive rates on our list of recommended providers—especially if you opt for a lower service call fee
- Charges a $50 cancellation fee for all plans
Our Review
First American Home Warranty can benefit homeowners with high-end appliances who prefer the peace of mind that comes with higher coverage limits. While our research has shown the average home warranty plan offers coverage limits of $2,000 or less per item, all of First American’s plans include at least $3,500 in appliance protection. The Premium Plan doubles this coverage to include $7,000 per appliance each contract term. Additionally, the company offers unlimited coverage for most systems.
The company compliments these higher-than-average coverage limits with more inclusive plan terms. For example, select plans include coverage for window air conditioning units, which some competitors exclude. The Essential and Premium plans also include coverage for extra services such as concrete encasement access and refrigerant recapture. Plus, plans cover appliances and systems regardless of age—which can make First American more appealing for owners of older homes.
AFC Home Warranty
Coverage Overview
- Offers competitive coverage cap of up to $3,000 per item with an aggregate upper limit of $50,000 per term
- Offers Gold, Platinum, and Diamond coverage tiers in Colorado
- Covers unique items such as exterior water lines and home electronics in the highest-tier Diamond Plan
Keep in Mind
- Some items have coverage limits as low as $150–$500, including plumbing systems
- Charges a $75 cancellation fee
Our Review
AFC Home Warranty is one of the only home warranty companies we’ve reviewed that allows customers to choose their own technician when they need a repair appointment. This can offer peace of mind if you already have a relationship with a local technician you can trust. AFC Home Warranty is also notable for its workmanship guarantee, which protects repair work for as long as you’re a policyholder. Most other home warranty companies only extend this benefit for 30 days.
If you’re looking for more comprehensive home protection, AFC Home Warranty’s Diamond Plan may offer the best choice. This policy includes coverage for exterior home components usually excluded by competitors, including water and sewer lines that fall outside of the bounds of your property. This plan also includes coverage for electronics with up to $5,000 in aggregate protection per year—adding items such as televisions and smartphones to your list of warranty-covered home components.
Home Warranty Costs in Colorado
The monthly cost of a home warranty in Colorado ranges from $38–$76, with an average price of $55 per month—which is in line with the national average of $56. Factors that may affect pricing include the level of coverage you select, your provider, service call fees, and add-on options, such as pool or roof leak protection. Additionally, the size of your home can impact your overall plan cost, with houses over 4,000–5,000 square feet typically requiring more expensive coverage.
Compare the monthly cost and service fee rates of our top-rated Colorado home warranty companies below.
| Provider | Monthly Cost | Service Fee |
|---|---|---|
| American Home Shield | $16–$82 | $100–$125 |
| Choice Home Warranty | $59–$67 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| First American Home Warranty | $66–$118 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
To obtain accurate estimates of home warranty costs nationwide and in Colorado, we gathered over 4,000 sample quotes from 13 leading providers across all 50 U.S. states. We based these quotes on sample single-family homes under and over 5,000 square feet. For Colorado, we included both rural and urban areas to ensure accurate pricing, with sample cities such as Colorado Springs, Denver, Fort Collins, and Walden. We then averaged these costs to determine the price ranges featured in this article.
Survey Insights from Colorado Homeowners
Our team surveyed 2,000 home warranty users nationwide to better understand how homeowners shop for plans and gain insight into their experiences with claims. We learned that 45% of Colorado homeowners ranked coverage as the most important feature when choosing a plan, with 59% selecting a comprehensive plan to protect both systems and appliances. Many homeowners in Colorado purchased warranties to safeguard aging systems, as 59% reported investing in a plan for older appliances and home systems.
For specific item coverage, Colorado residents prioritized air conditioning (31%) and heating systems or furnaces (27%), reflecting the state’s temperature extremes. Water heaters were the most commonly covered appliance, with 45% of respondents selecting this item as a top priority. Many Colorado homeowners also extended their home warranty plans with add-on coverage, with roof leak protection and supplemental system and appliance coverage being among the most popular options.
Most Colorado homeowners reported positive claims experiences, with 91% having their most recent claim approved. The majority of claims (64%) were for appliance repairs or replacements, and 50% resulted in a full item replacement. Overall, almost 82% of Colorado homeowners said they were very satisfied or satisfied with their home warranty plan, with 59% planning to renew their current contract.
How We Collected Our Survey Data
Our team surveyed 2,000 homeowners nationwide in 2025 to gain deeper insight into their experiences with home warranty plans. Our research looked at key factors such as why homeowners purchase warranties, coverage satisfaction, customer service, and the claims process. Additionally, we analyzed pricing trends, add-on coverage selections, and intended plan renewal rates.
Should I Buy a Home Warranty in Colorado?
So, is the cost of a home warranty worth it? In our review of both state home warranty costs and the cost of common repairs, we found that homeowners can benefit from coverage if they need at least one major repair a year. For example, a local HVAC service provider estimates that a common air conditioning repair could cost Denver residents between $2,200 and $3,500. If you can’t afford to pay this cost out-of-pocket, you could benefit from a home warranty. With coverage averaging around $56 per month, you could have the peace of mind that comes with knowing you’re covered against these major repair costs.
We recommend requesting quotes from at least three home warranty companies to better compare your options and decide if a home warranty is right for you.
FAQs About Home Warranties in Colorado
What is typically included in a home warranty?
Most home warranties include a list of specific appliances or home systems covered against breakdowns that occur due to normal wear and tear. Common appliances you’ll see covered by home warranty providers include a clothes washer and dryer, central vacuum, and garage door opener. Commonly covered systems include your air conditioner, heating, plumbing, and electrical system.
How much does a home warranty cost in Colorado?
The average home warranty plan for a Colorado residence is between $38 and $76 per month, with an average rate of $55.
What is the difference between a home warranty and homeowners insurance?
A home warranty plan protects you against the cost of repair damage due to normal wear and tear. These plans cover a select set of appliances and systems in your home. A homeowners insurance policy covers your property and dwelling from damage caused by named hazards such as tornadoes and fires.
Is a home warranty required in Colorado?
No, there is currently no real estate law that requires a home warranty as a term of a sale between homeowners in Colorado. But if you’re buying a new home, you could qualify for a builder’s warranty.
How We Evaluated Home Warranty Providers
Our team knows how important finding the right home warranty provider is, which is why we considered cost, coverage details, and reputation when making recommendations in Colorado. We also requested sample quotes from each provider in cities across the state, gathered insights from consumer surveys, and read sample contracts to better understand coverage.
We used our home warranty methodology to rate providers based on a 5-point scale. We looked at the following factors when evaluating each company for Colorado homeowners:
- Coverage: Coverage was one of the first factors our review team considered when choosing service providers in Colorado. We awarded more points to companies with higher coverage limits on important components, such as heating and cooling systems. Home warranty service providers with more inclusive terms and more unique coverage options also scored higher in our review.
- Cost: We also considered monthly premiums and per-use service call fees when rating home warranty companies. Providers offering premiums below $60 per month with service call fees priced at $100 or less and with no hidden fees received the highest cost rankings.
- Trustworthiness: We read through online customer reviews to determine company trustworthiness using third-party sites such as the BBB and Trustpilot. Companies with workmanship guarantees lasting longer than 30 days and professional recognition also received higher scores.
- Plan transparency: Reading service contracts for each home warranty plan helped us determine our rankings and scores. Companies with clear disclosures and limited exclusions earned the highest rankings in this category.
- Customer support: Companies offering quality customer support can add value to a home warranty plan. Companies that make it easier for customers to file claims and get in contact with representatives—including those with a mobile app or multiple communication channels—received higher scores than competitors.
- Flexibility: We considered the flexibility of each service provider by looking at plan customization options. Home warranty companies with more plan options and add-ons, multiple service call fee choices, and the ability to choose your own service technician received higher rankings than those with fewer choices.
