A home warranty covers repair and replacement costs for your home systems and appliances, such as your heating system and dishwasher. Having financial protection for home breakdowns can give Colorado homeowners peace of mind that they’ll be able to make repairs when needed
To help you find the right provider for your needs, the This Old House Reviews Team researched the best home warranty companies in the United States and identified the top providers in Colorado.


Best Colorado Home Warranty Companies
The highest-rated Colorado home warranty companies include these:
- American Home Shield: Best for Comprehensive Coverage
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
- AFC Home Club: Best for Customization
- Cinch Home Services: Best Additional Perks
Summary of the Best Home Warranty Companies in Colorado
Best For | Monthly Cost | Service Fee | Response Time | BBB Rating | Link | ||
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American Home Shield | ![]() | Best for Comprehensive Coverage | $64–$74 | $100–$125 | Up to 48 hours | B | VISIT SITE |
Liberty Home Guard | ![]() | Best Customer Ratings | $49–$60 | $65–$125 | Up to 48 hours | A | VISIT SITE |
Select Home Warranty | ![]() | Best Value | $44–$48 | $60–$75 | 48-84 hours | B- | VISIT SITE |
AFC Home Club | ![]() | Best for Customization | $48–$55 | $75–$125 | 24-48 hours | B | VISIT SITE |
Cinch Home Services | ![]() | Best Additional Perks | $47–$64 | $100–$150 | 2-24 hours | B | VISIT SITE |
American Home Shield | |
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Best For | Best for Comprehensive Coverage |
Monthly Cost | $64–$74 |
Service Fee | $100–$125 |
Response Time | Up to 48 hours |
BBB Rating | B |
Liberty Home Guard | |
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Best For | Best Customer Ratings |
Monthly Cost | $49–$60 |
Service Fee | $65–$125 |
Response Time | Up to 48 hours |
BBB Rating | A |
Select Home Warranty | |
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Best For | Best Value |
Monthly Cost | $44–$48 |
Service Fee | $60–$75 |
Response Time | 48-84 hours |
BBB Rating | B- |
AFC Home Club | |
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Best For | Best for Customization |
Monthly Cost | $48–$55 |
Service Fee | $75–$125 |
Response Time | 24-48 hours |
BBB Rating | B |
Cinch Home Services | |
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Best For | Best Additional Perks |
Monthly Cost | $47–$64 |
Service Fee | $100–$150 |
Response Time | 2-24 hours |
BBB Rating | B |
- Provider Review: Liberty Home Guard review
- Provider Sample Contract: Liberty Home Guard sample contract
- State Availability: 50
- Monthly Cost: $49–$60
Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 30 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.
Why We Chose Liberty Home Guard
Liberty Home Guard earned 4.5 out of 5 stars in our rating system. It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.
Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.
Pros and Cons
Plans and Pricing
Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65 to $125. All LHG’s covered items are subject to a $2,000 coverage cap, except for electrical and plumbing systems. LHG provides a lower $500 coverage limit for these systems. All covered repairs are subject to a 60-day workmanship guarantee, which is double the industry standard of 30 days.
Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.
Here are details on LHG’s plans and optional add-on coverage:
- Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
- Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
- Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
- Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.
Liberty Home Guard’s service contract provides additional coverage information for each plan.
What To Expect
Pulling a quote from Liberty Home Guard is straightforward. First, you fill out basic personal information such as your name, phone number, and email. Then, you input your home’s address, type, and whether it is larger or smaller than 5,000 square feet. LHG will then display your home’s customized monthly premium.
Liberty Home Guard offers solid coverage for the price. Its $2,000 coverage cap applies to all covered items except electrical and plumbing systems. In addition, it offers the most add-on coverage options compared to other providers. This makes LHG a great choice if you have unique items that need coverage.
Note that LHG doesn’t allow you to choose your service provider since it works with its network of technicians. However, if LHG can’t source a technician from its network near you, it allows you to source your own.
In reading customer reviews, we found that consumers’ experiences aligned with ours when contacting LHG’s customer service. Many reviewers noted the helpfulness of representatives and how quickly they resolved issues. We experienced this responsiveness each time we called or used its live-chat feature.
- Provider Review: Select Home Warranty review
- Provider Sample Contract: Select Home Warranty sample contract
- State Availability: 47 (excluding Nevada, Wisconsin, and Washington)
- Monthly Cost: $44–$48
Select Home Warranty provides affordable coverage plans for those who need basic coverage. It offers appliance-only, systems-only, and combination plans. In addition, Select offers a service call fee under $80 per claim.
Why We Chose Select Home Warranty
Select Home Warranty scored 4.3 out of 5 stars in our review standards. It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.
Pros and Cons
Plans and Pricing
Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Select charges a $60–$75 service call fee per claim. Our team discovered via secret-shopping that Select offers its lower service call fee as an over-the-phone deal only.
After reviewing Select’s sample contract, we found it provides a $3,000 cap for HVAC systems. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.
Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.
Here are more details about Select Home Warranty’s plans:
- Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
- Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
- Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
- Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.
What To Expect
Select’s quote tool works similarly to other providers in this article. It first asks for your ZIP code. Then, it asks for your name, phone number, and email. It doesn’t, however, ask for your property’s address. This helps streamline the quote process.
Select is worth considering for homeowners who need basic home protection. Its coverage caps for essential systems and appliances are much lower than other providers, making it difficult to recommend from a coverage standpoint. However, it offers some of the most affordable fees, and it lets you choose your service provider as long as you obtain Select’s approval first.
We also discovered that Select prefers to communicate strictly over the phone for claims and plan issues. Several customers on third-party consumer review sites, such as the BBB and Trustpilot, note that Select’s customer service department is difficult to get ahold of. Therefore, we recommend carefully considering your needs and budget before signing up for Select Home Warranty.
- Provider Review: AFC Home Club review
- Provider sample contract: AFC Home Club sample contract directory
- State Availability: 49 (excluding Hawaii)
- Monthly Cost: $38–$63
America’s First Choice Home Club (AFC Home Club) made it onto our list thanks to its customization options for add-ons and its four distinct plans. In addition, AFC Home Club offers service call fee flexibility, which can raise or lower your monthly premium.
Why We Chose AFC Home Club
AFC Home Club earned a 4.6 out of 5-star rating in our review standards. Along with its flexible service call fee model, the variety of plans offered by AFC Home Club is ideal for homeowners who want a personalized home warranty package and pricing. AFC Home Club also offers a lengthy workmanship guarantee and additional membership perks. Other providers don’t include membership perks within their plans.
Pros and Cons
Plans and Pricing
AFC Home Club offers a portfolio of four plan options: a Platinum Plan, a Gold Plan, a Silver Plan, and a Systems Plan. AFC Home Club allows you to choose a $75, $100, or $125 service call fee. The lower service call fee raises your monthly premium and vice versa.
Our team called AFC Home Club to ask about its coverage caps. A representative stated that HVAC systems, such as heating and air conditioning, have an unlimited coverage cap, except for thermostats. It limits thermostats to $80.
The representative added that AFC Home Club covers up to $3,000 for appliances. However, the fine print states that the company only pays up to an item’s depreciated value if it’s older than five years. It covers all repairs and replacements with a plan-length workmanship guarantee.
AFC Home Club offers annual premiums alongside monthly premiums. Expect to pay between $398 and $630 annually for AFC Home Club coverage. The company includes a $50 annual discount if you choose a yearly payment plan. You can pull a quote using its online tool or call a sales representative.
Here are details on each plan offered by AFC Home Club:
- Silver Plan ($38.00–$42.83 per month): Covers appliances, such as clothes washer, clothes dryer, garbage disposal, and dishwasher
- Systems Plan ($45.25–$50.08 per month): Covers systems, such as air conditioning, heating, water heaters, and plumbing
- Gold Plan ($52.50–$57.33 per month): Covers both appliances and systems, such as electrical, ductwork, oven, range, plumbing stoppages, and garage door openers
- Platinum Plan ($57.33–$62.17 per month): Covers all items and systems included with the Gold Plan, plus a built-in microwave and ice maker
- Optional add-ons: Double oven, electronic coverage, hot water dispenser, sump pump, septic system, central vacuum, pool, spa, stand-alone freezer, and roof-leak repair. Based on the quote we pulled, in-ground pool coverage costs $9 per month.
What To Expect
AFC Home Club provides an easy-to-use quote tool. Where it differs from most providers, however, is its cost page. Unlike other providers, AFC Home Club requires clicking on each plan to select your desired service call fee. If you wish to compare the prices of the other plans, you must click on the “Back To Plans” button. Although obtaining a quote is straightforward, comparing plan prices isn’t as efficient as other providers.
We consider AFC Home Club’s unlimited workmanship guarantee its best feature. The peace of mind its workmanship guarantee provides makes it a solid choice for those who own older appliances or systems. Additionally, AFC Home Club is one of the few providers that allows you to choose your contractor. However, its mixed coverage limits for home systems lower its value from a coverage standpoint.
Our team read dozens of customer reviews to understand how AFC Home Club handles customer service. We found mixed reviews. Several customers appreciated AFC Home Club’s speedy claims processing. Others disliked the depreciation valuation AFC places on covered items.
- Provider Review: Cinch Home Services review
- Provider Sample Contract: Cinch Home Services sample contract
- State Availability: 48 (excluding Alaska and Hawaii)
- Monthly Cost: $38–$67
Cinch Home Services (CHS) is another provider that offers comprehensive appliance and systems coverage. The company includes a generous annual coverage cap. It also covers up to 28 home systems and appliances
Why We Chose Cinch Home Services
Cinch Home Services scored 4.6 out of 5 stars in our review standards. Cinch offers several perks, such as its lengthy 180-day workmanship on completed repairs. Based on our research, the industry standard for workmanship guarantees is 30 days. It also offers a unique $500 home insurance deductible reimbursement with the Complete Home Plan. We recommend this provider to homeowners who want to get the most out of their plan with a lengthy reservicing guarantee.
Pros and Cons
Plans and Pricing
Cinch Home Services offers three plans: the Appliances Plan, Built-In Systems Plan, and Complete Home Plan. Cinch also offers a flexible service call fee model, and its options for service fees are $100, $125, and $150. Upon reading Cinch’s fine print, we found the company sets its coverage caps at $1,500 for central air conditioning and $1,000 for plumbing systems. When you file a claim, Cinch subtracts these amounts from the policy’s annual coverage limit. Our research shows that the company’s annual coverage limit is $10,000.
Like American Home Shield, Cinch Home Services doesn’t offer an annual premium option. However, it allows you to request a quote online or over the phone.
Here are more details about Cinch Home Services’ plans:
- Appliances Plan ($38.99–$48.99 per month): Covers appliances, such as clothes dryer, washer, built-in food center, freestanding ice maker, microwave, and refrigerator
- Built-In Systems ($43.99–$55.99 per month): Covers built-in systems, such as water heater, air conditioner, built-in trash compactor, smoke detector, and jetted tub
- Complete Home ($54.99–$66.99 per month): Covers all the items in the earlier plans, plus up to $500 per term for a homeowners insurance deductible reimbursement
- Optional Add-ons ($4.58 to $22 depending on the item): Pools, spas, pools with spas (heater included), septic tanks, well pumps, and a Premier Upgrade Package (increases limits up to $1,000 to help pay for unforeseen costs during a claim, such as debris removal or code upgrades)
What To Expect
We found Cinch’s quote tool the easiest to use and the quickest to generate a custom quote. You simply have to enter your ZIP code and email, and then Cinch displays each plan’s monthly cost. In addition, Cinch makes it simple to choose your service call fee by displaying its three fee options directly above the plan information. It automatically adjusts each plan’s monthly premium based on your selected service call fee.
Cinch Home Service’s additional perks make it a worthwhile provider. Most home warranty companies don’t offer credits for maintenance items or reimbursement for your homeowners insurance deductible. It provides solid systems and appliance coverage. However, Cinch offers a limited amount of add-ons and excludes roof-leak coverage. Most providers offer some form of roof protection coverage.
Cinch Home Services also holds mixed customer reviews due to its high service call and monthly fees. Some customers disliked the quality of contractors it used for service requests, while others appreciated the knowledgeable and friendly sales team. Regarding service technicians, Cinch requires you to use in-network technicians. When we called to ask if it allows out-of-network contractors, a representative stated it does. However, you must contact Cinch beforehand.
Can You Purchase A Home Warranty Anytime?
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.
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. In addition, we recommend reading their sample contracts to understand coverage exclusions and limitations better.
Other Resources for Residents in Colorado
- Best Homeowners Insurance in Colorado
- Best Solar Companies in Colorado
- Best Moving Companies in Colorado
Frequently Asked Questions
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.
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.
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major US city below.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.