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Best Home Warranty Companies in Colorado (2024)

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 05/24/2024

Colorado homes face ever-changing weather conditions throughout the year. With warm, dry summers and below-freezing winters, heating and cooling failures could leave your family stranded in unpleasant conditions. Home warranties help to expedite needed repairs and may reduce your out-of-pocket costs when home emergencies occur.

We researched the leading home warranty services and found the top choices for Colorado residents. Liberty Home Guard tops our list thanks to its unique coverage plans and specialized home appliance insurance options. American Home Shield, another top choice, offers comprehensive protection for essential items like plumbing and heating systems. Read our complete list below to learn more about Colorado’s five best home warranty companies.

Key Takeaways

The best home warranty companies in Colorado are Liberty Home Guard and American Home Shield, based on our extensive research of nearly 60 home warranty providers.
A home warranty costs $627 annually on average, or $45–$62 per month in Colorado, depending on your provider and coverage.
Our survey revealed 92.7% of policyholders were satisfied with their current home warranty plan.
Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.


Top 5 Home Warranty Companies in Colorado

After careful research, our team compiled its list of the top Colorado home warranty companies. Here are our top five providers:

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
Elite Home Warranty: Best for Flexible Coverage
First American Home Warranty: Best Appliance Coverage

Compare Home Warranty Companies in Colorado

Our table below compares key factors of the top Colorado home warranty companies.

Star Rating Monthly Cost in CO Service Fee Response Time Link
Liberty Home Guard Liberty Home Guard
$49–$59 $65–$125 Up to 48 hours GET A QUOTE
American Home Shield American Home Shield
$19–$79 $100–$125 Up to 48 hours GET A QUOTE
Elite Home Warranty Elite Home Warranty
$44–$58 $70 Up to 48 hours GET A QUOTE
Select Home Warranty Select Home Warranty
$44–$47 $60–$75 48-84 hours GET A QUOTE
First American Home Warranty First American Home Warranty
$42–$82 $75–$125 4-48 hours GET A QUOTE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost in CO $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
GET A QUOTE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost in CO $19–$79
Service Fee $100–$125
Response Time Up to 48 hours
GET A QUOTE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost in CO $44–$58
Service Fee $70
Response Time Up to 48 hours
GET A QUOTE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost in CO $44–$47
Service Fee $60–$75
Response Time 48-84 hours
GET A QUOTE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost in CO $42–$82
Service Fee $75–$125
Response Time 4-48 hours
GET A QUOTE
Company BBB Rating Monthly Cost in CO Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $19–$79 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
No results were found.

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,498-square-foot, single-family home in Denver, Colorado. Your pricing may vary depending on your home’s location, size, type, and plan selections.


How Much Does a Home Warranty Cost in Colorado?

Colorado home warranties cost $52 per month on average, or $546-$744 per year, based on our sample quotes. Additional costs include service call fees, which range between $65 and $125 per visit. Factors contributing to overall prices are home size, coverage options, add-on choices, and location.

We’ve highlighted several factors below that will impact home warranty costs:

  • Add-on coverage: Customizing your plan with add-ons could quickly increase its price tag. Important coverage types such as sump pump and roof-leak coverage are often offered as add-ons. When building a coverage plan, limit your add-ons to include only your immediate needs.
  • Comprehensive versus specialized coverage: Based on our research, comprehensive plans typically cost more than appliance- or system-only coverage. If you just need plumbing or roof-leak coverage, consider a system-only plan with a roof-leak add-on. However, a comprehensive plan could save you on future repair costs if you need coverage for several home systems and appliances.
  • Home size and features: Home warranty companies typically charge more for houses larger than 4,000 square feet. In addition, homes with unique features such as pools, guest units, and additional refrigerators will need specialized coverage.

Is a Home Warranty Worth It in Colorado?

With a home warranty in Colorado, you’ll receive protection against appliance and system breakdowns. In colder areas, heavy snow and ice buildup could eventually wear down your roof’s integrity, potentially leading to leaks. Frigid temperatures may also damage pipes, causing them to leak or burst. In addition, your heating system must remain in top condition to keep your home comfortable throughout the winter.

In Colorado, homeowners face harsh winter conditions from November to March, with temperatures dropping as low as 16 degrees Fahrenheit in some areas.

To give a better idea of how home warranties could save you money, we researched the most common systems and appliances that break down in Colorado homes:

ItemAverage Cost to RepairAverage Cost to Replace

Gas furnace

$30–$150

$3,800–$10,000

Air conditioning

$100–$650

$2,500 and $15,000

Plumbing leaks

$150–$450

$200–$5,000

Roof leaks

$150–$2,000

$5,000–$13,000

Sump pump

$350–$1,000

$500–$4,000


What Does a Colorado Home Warranty Cover?

Home warranties in Colorado provide coverage for major systems and appliances such as water heaters, dishwashers, and ductwork. Home warranty companies typically include three types of plans: appliance, system, and premium. These providers also offer various add-ons that allow you to buy coverage for nonstandard items such as septic tanks.

Common Inclusions

Common Exclusions

Common Add-Ons

  • Refrigerators
  • Clothes dryers
  • Dishwashers
  • Clothes washers
  • Air conditioning
  • Ductwork
  • Heating
  • Water heater
  • Plumbing
  • Damage caused by misuse, abuse, or improper installation
  • Acts of nature
  • Inaccessible items
  • Cosmetic damage
  • Luxury items
  • Commercial-grade equipment
  • Known or unknown preexisting conditions
  • Flues, vents, chimneys, and other exhaust lines
  • Electronic devices
  • Smart-home systems
  • Gas, smoke, or leak detection systems
  • General maintenance and upkeep
  • Swamp cooler
  • Septic system
  • Water softener
  • Sump pump
  • Lighting fixtures
  • Trash compactor
  • Plumbing fixtures
  • Lawn sprinkler system
  • Roof leak

Our Home Warranty Research Process

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
57000
Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

We narrowed down the top Colorado home warranty companies by contacting various local experts. Our team talked with homebuilders, repair technicians, and real estate agents to determine common repairs and replacements. We also contacted home warranty companies, spoke with representatives, pulled quotes, read through sample contracts, and analyzed service policies.

Next, our team scored each provider against our review standards across four categories: coverage, value, trust and transparency, and availability and service. We made sure that each company offered roof-leak and plumbing coverage within its standard plans or through add-ons. Our team weighed premium costs against coverage value before verifying brand reputation by reading third-party customer reviews. Finally, we assessed claims response times, customer support availability, and the overall claims process.


Colorado Home Warranty Reviews

Below we’ll review each of the major home warranty companies in Colorado:

Liberty Home Guard

Best Overall
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Liberty Home Guard (LHG) for Colorado homes that need specialized system or appliance coverage. The company offers 30 add-on coverage options, including roof leaks, sump pumps, and gutter cleaning. 

Monthly cost: $49–$59

While reviewing the Liberty Home Guard sample contract, our team learned that the company doesn’t offer roof-leak coverage under its standard coverage. Instead, you’ll need the add-on feature for those protections. Two of its plans, Systems Guard and Total Guard, include heating coverage with a $2,000 limit. However, plumbing only receives a $500 cap. We also learned that LHG doesn’t offer set service call fees for each customer. Instead, the company determines your fee based on your select plan, add-ons, and location. 

How We Scored Liberty Home Guard

Liberty Home Guard earned 4.5 out of 5 stars in our review standards. Liberty scored well for its add-on catalog variety and 60-day workmanship guarantee, twice the industry standard. The company lost points for its restrictive service technician policy and limited industry experience. Here’s how LHG rated it in key categories:

  • Coverage (4.7 out of 5): We awarded higher points for its add-on protection options and HVAC coverage. 
  • Value (4.25 out of 5): LHG lost points for its vague and inflexible service fee policy. 
  • Trustworthiness and Transparency (4.8 out of 5): LHG scored well for its excellent third-party customer review scores and A rating from the Better Business Bureau (BBB). 
  • Availability and Service (4.3 out of 5): We deducted points for its limited technician policy.

Pros and Cons

Pros Includes a 60-day workmanship guarantee Offers 38 unique optional add-ons Provides HVAC and plumbing coverage under two plans Cons Does not let you choose your own service provider Offers vague details about its service call fee policy Requires an add-on for roof-leak coverage

Plans and Pricing

We’ve detailed LHG’s coverage plans below:

  • Appliance Guard: This appliance-only plan includes nine major appliances, including dishwashers and garbage disposals. Covered items receive a $2,000 coverage cap. 
  • Systems Guard: The system-only plan protects six essential systems, such as air conditioning, heating, and water heaters. Although most systems receive the same $2,000 cap, plumbing and electrical have a $500 limit. 
  • Total Home Guard: The highest plan offers comprehensive coverage, combining Appliance Guard and Systems Guard protections. 

You can choose between monthly and annual premiums. Our sample quote included two additional months of service when we chose annual billing. Service call fees range between $65–$125. 

Here are LHG’s monthly premiums and service call fees:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

LHG offers one of the largest add-on catalogs in this review, with almost 40 available options. 

Add-on pricing ranges from $3.00–$35.99 per month. You can add roof-leak coverage for $11.99 per month to any plan. When using the online quote tool. LHG recommends certain add-on coverage based on your location. Below are the most popular add-ons for Colorado residents:

  • Limited roof-leak coverage
  • Lawn sprinkler system
  • Septic system pumping
  • Sump pump
  • Well pump

Our Experience With Liberty Home Guard

Our team tested Liberty’s customer support to find the best options:

  • Our calls connected in less than a minute when we contacted Liberty’s customer support team. Each representative we spoke with was friendly and answered our questions thoroughly. 
  • When we tried the online chat feature it connected in 30 seconds, however, we were initially connected to an automated bot. The bot offered to connect us to a live representative for more specific details. After requesting to speak with an agent twice, we transferred to a live representative. 
  • Based on our experience, we recommend using the online chat for general questions and calling in for plan-specific inquiries.

American Home Shield

Best for Comprehensive Coverage
4.8 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend American Home Shield (AHS) for Colorado homeowners who need comprehensive protection for their older homes and systems. The company includes plumbing, heating, and cooling coverage in every plan and protects items with physical damage and unknown preexisting conditions.     

Monthly Cost: $19–$79

After reading through the American Home Shield sample contract, we discovered that heating and plumbing systems receive a generous $5,000 cap with every plan. Roof-leak coverage requires an add-on with the two lowest plans: ShieldSilver and ShieldGold. However, ShieldPlatinum includes these protections at no extra cost. We also learned that AHS will cover items with preexisting conditions and physical damage, such as rust and corrosion. You receive a 30-day workmanship guarantee with every repair. 

How We Scored American Home Shield

American Home Shield scored 4.4 out of 5 stars in our review standards. The company earned higher points for its comprehensive system coverage and flexible service fees. AHS lost points for its high price point for bundled coverage. Here’s how we rated American Home Shield in key categories:

  • Coverage (4.7 out of 5): AHS received high points for its comprehensive HVAC and plumbing coverage.  
  • Value (4 out of 5): We deducted points for its higher-than-average premium pricing and service fees. 
  • Trustworthiness and Transparency (4.25 out of 5): AHS lost points for its lower BBB rating and customer review scores on third-party sites such as Trustpilot. 
  • Availability and Service (4.7 out of 5): We awarded higher scores for its simplified online claims process and its convenient 24/7 claims line.

Pros and Cons

Pros Includes heating and plumbing coverage with its standard plans Protects appliances and systems with preexisting conditions Offers roof-leak coverage with its highest plan Cons Doesn’t include an annual premium option Offers limited add-on options Priced slightly higher than other reviewed providers

Plans and Cost

Below are the details of the American Home Shield plans:

  • ShieldSilver: The lowest plan includes system-only coverage for major systems, such as your cooling, heating, and plumbing. You receive a $5,000 coverage cap for each covered item.
  • ShieldGold: The next plan bundled coverage, combining ShieldSilver coverage and appliance protections. Coverage includes a $5,000 system cap and $2,000 for appliances. 
  • ShieldPlatinum: The most comprehensive plan includes ShieldGold coverage plus additional perks, such as HVAC tune-ups and roof-leak coverage. Appliance coverage increases to $4,000. 

Our sample quote included service call fees of $100 or $125. When we switched to a lower service fee, our monthly premiums increased. AHS only offers monthly premiums, unlike other providers that provide annual and monthly options. 

Here’s an overview of American Home Shield’s monthly pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$19.99–$29.99

$100–$125

$5,000

ShieldGold

$39.99–$49.99

$100–$125

Systems: $5,000

Appliances: $2,000

ShieldPlatinum

$69.99–$79.99

$100–$125

Systems: $5,000

Appliances: $4,000

Although our other reviewed providers offer at least eight add-on selections, AHS limits its choices to six. The company offers competitive prices for its optional coverage, ranging from $5.00–$24.00 per month. With the two lowest coverage plans, you can add roof-leak coverage for $10.00.  

Additional add-on options include the following coverage:

  • Electronics protection plan
  • Guest unit 
  • Pool and spa
  • Septic pump
  • Well pump

Our Experience With American Home Shield

Our team member, who has AHS coverage, filed a claim for a  leaky bathroom pipe. We’ll detail his experience below: 

  • He submitted an online claim and received immediate text and email confirmations
  • A service contractor was assigned to his case and contacted him five minutes later. He received a next-day repair appointment.
  • The technician fixed the pipe in under two hours.
  • His only out-of-pocket cost was the standard service call fee

Elite Home Warranty

Best for Flexible Coverage
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Elite Home Warranty for homeowners in Colorado who need flexible premiums and broad coverage. Elite has three base plans with a standard $70 service call fee and 27 add-ons.

Monthly cost: $44–$58

Elite Home Warranty has three plans to choose from: Elite Appliances, Elite Systems, and Elite Complete. You can also select specific items for your plan through its “Customize Your Own Policy” option. We read through Elite Home Warranty’s sample contract and learned that it has a $15,000 annual claim limit for all plans. This limit is divided into a $7,000 cap for appliances and $8,000 for systems.

How We Scored Elite

We awarded Elite Home Warranty a score of 4.6 out of 5 stars using our review standards. Here’s how we rated it across key categories.

  • Coverage (4.6 out of 5): Elite has three customizable coverage plans and an extensive add-on catalog of 27 items.
  • Value (4.25 out of 5): Elite lost some points because it only offers one service call fee option and has steep rates for high-end appliances.
  • Trustworthiness and transparency (4.8 out of 5): Elite earned more points in this category thanks to its excellent customer review scores on third-party sites like the Better Business Bureau (BBB).
  • Availability and service (4.5 out of 5): We docked Elite points in this category due to its limited online services and lack of an online quote tool.

Pros and Cons

Pros Includes a 90-day workmanship guarantee, three times the industry standard Offers three comprehensive standard plans Provides 27 add-ons, the second-largest catalog in this review Cons Charges large service call fees for high-end appliances Excludes out-of-network contractors from workmanship guarantee Makes you call to get a quote

Plans and Cost

Below are the details of Elite’s coverage plans:

  • Elite Appliances: This is a standard appliance-only plan providing coverage for eight items including clothes washers and dryers, dishwashers, and cooktops.
  • Elite Systems: This system-only plan covers eight items such as air conditioning, plumbing, heating, and electrical systems.
  • Elite Complete: This is Elite’s premium plan that includes all items from both prior plans.

We obtained sample quotes from Elite Home Warranty containing monthly premiums that ranged from $44 to $58. Its standard service call fee is $70, but it increases to $150 for high-end appliance repairs and after-hour or weekend calls.

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

  Varies per item

Elite Systems

$49.99

$70

  Varies per item

Elite Complete

$58.99

$70

  Varies per item

Elite’s add-on catalog includes 27 options, making it one of the most robust in the industry. Coverage for these items varies and there’s a $5,000 total limit per term.

Some of our favorite add-on options offered by Elite include the following:

  • Annual maintenance
  • Sewer and water service lines
  • Well and sump pump

Our Experience With Elite Home Warranty

One of our team members tested the Elite Home Warranty claim process for repairing his high-end dishwasher. He received a call from an Elite claims specialist within 30 minutes and was given a next-day appointment. Although the technician needed to order special parts, he returned the following Monday to successfully complete repairs within an hour. Overall, the claim process was quick and effective despite needing a second visit.

Elite sends in-network technicians to complete its repairs and backs coverage with a 90-day workmanship guarantee. You won’t receive any workmanship coverage if you choose your own technician.

Select Home Warranty

Best Value
4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend Select Home Warranty for Colorado residents looking for low-cost HVAC and roof-leak protection. Select offers affordable prices under $50 and free roof-leak coverage with every plan. 

Monthly cost: $44–$47

After analyzing the Select Home Warranty sample contract, we discovered only HVAC systems receive coverage caps above the industry standard. While HVAC systems receive a $3,000 cap, other items receive $500 or lower. Its coverage doesn’t include items with preexisting conditions, making Select a better choice for homes with new systems and appliances. We recommend Select for Colorado homeowners who need minimal coverage at lower costs. 

How We Scored Select Home Warranty

We gave Select Home Warranty a 4.3 out of 5 stars in our review standards. We awarded high points for its budget-friendly pricing and complimentary roof-leak coverage. We deducted points for its lower coverage caps for most systems and appliances. Here’s how we rated Select in key categories:

  • Coverage (3.7 out of 5): Select lost points for its low coverage limits, which fall below other reviewed providers.  
  • Value (5.5 out of 5): Select earned a perfect score for its low-cost premiums.    
  • Trustworthiness and Transparency (4.5 out of 5): We deducted points for its lower customer service review scores across multiple sites. 
  • Availability and Service (4.3 out of 5): Select also lost points for its longer claim processing period.

Pros and Cons

Pros Includes $3,000 for HVAC coverage Prices coverage plans under $50 Provides free roof leak coverage Cons Excludes coverage for unknown preexisting conditions Includes coverage caps well below the $2,000 industry standard Won’t let you choose your service call fee

Plans and Cost

We’ll detail Select’s plan coverage options below:

  • Bronze Care: The lowest plan offers system-only coverage for eight home appliances, such as clothes washers, dryers, and dishwashers. You receive a $500 cap for all appliances.
  • Gold Care: The next tier covers six major home systems, such as air conditioning, heating, and plumbing. Heating and cooling systems receive a $3,000 cap. Other systems receive the standard $500 limit. 
  • Platinum Care: The highest plan tier includes Bronze and Gold Care items and adds garage door openers and plumbing stoppages. All coverage limits remain the same. 

Select Home Warranty offers monthly and annual premium options. The company offers $150 off plus two additional months of coverage for choosing an annual plan. The company offers a $60–$75 service call fee but doesn’t let you choose your preference. A representative told us that the lower service call fee is an over-the-phone promotion.

Here are Select Home Warranty’s monthly costs and service fees:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

Select offers some of the cheapest add-on options in this review. Pricing ranges between $3.33 and $8.33. To receive roof-leak protections, you must add the add-on coverage to your plan. 

Select offers nine add-on options, including the following items: 

  • Central vacuum
  • Lawn sprinkler system
  • Pools and spas
  • Septic system
  • Standalone freezer

Our Experience With Select Home Warranty

We recommend calling Select Home Warranty when requesting quotes. During secret shopping, we received an exclusive over-the-phone deal with the lowest service call fee. In addition, the Select customer support representative advised that the company prefers processing claims and handling account issues over the phone. 

We also learned that Select sends preapproved service technicians to handle its requests. The company will let you choose your own technician if none are in your area. Select must approve them first, though.

First American Home Warranty

Best Appliance Coverage
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

We recommend First American Home Warranty for Colorado homeowners who need coverage for high-end appliances or unrestricted system caps. The company provides up to $7,000 for appliances and unlimited caps for plumbing and HVAC. 

Monthly cost: $42–$82

After reviewing the First American’s sample contract, we learned that roof-leak coverage comes with its highest plan, the Premium Plan. However, you’ll need a roof-leak add-on for coverage on the other lower coverage options. The Starter Plan doesn’t include central AC coverage in its baseline coverage and requires an add-on. Most home systems, except water heaters, receive an unlimited coverage cap. Adding the First American upgrade to the Essential and Premium plan offers additional coverage for items with preexisting conditions and damage from improper modifications and installations. 

How We Scored First American Home Warranty

We gave First American Home Warranty a 4.6 out of 5 in our review standards. The company received higher scores for its unlimited caps for essential systems and generous appliance caps. We deducted points for its restrictive service technician policy. Here’s how we rated First American in key categories: 

  • Coverage (4.7 out of 5): First American received a high score for its unlimited system caps for plumbing and HVAC. 
  • Value (4 out of 5): We deducted points for its higher service fees.  
  • Trustworthiness and Transparency (4.8 out of 5): We awarded First American more points for its high customer review scores. 
  • Availability and Service (4.3 out of 5): We deducted points for its inconsistent claim processing timeframe.

Pros and Cons

Pros Covers items with preexisting conditions under its First American upgrade Excludes some home system coverage from its basic plan Offers up to $7,000 for appliances under its top plan Cons Doesn't allow you to choose your technician Excludes some home system coverage from its basic plan Requires an add-on for air conditioning coverage on its lowest plan

Plans and Cost

We’ve detailed First American’s plan coverage below:

  • Starter Plan: The lowest bundled plan covers some home systems and appliances, including heating and plumbing. You receive a $3,500 appliance cap and unlimited coverage for home systems.
  • Essential Plan: This plan extended the Starter Plan coverage to include additional items, including air conditioning and water heaters. You receive the same coverage limits for most items, but water heaters receive a $1,000 cap.  
  • Premium Plan: The highest plan includes the Essential Plan protections, plus added coverage for full garage door systems, luxury appliances, and window air conditioning units. Your appliance appliance coverage increases to $7,000. 

First American Home Warranty offers annual and monthly premiums. However, the company doesn’t include added perks, such as free service or discounts, with its annual plans. You can customize your coverage by selecting a $75, $100, or $125 service call fee. 

We’ve outlined First American monthly rates and fees below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$42–$57

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$52–$67

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$67–$82

$75–$125

Systems: Remain the same Appliances: $7,000

First American provides 12 add-on options for its plans. Pricing falls between $2.08 for HVAC tuneups and $20.83 for pool and spa coverage. Adding central AC coverage to the Starter Plan costs $8.33 per month. You’ll pay $8.33 monthly for roof-leak coverage with the Starter Plan and Essential Plan. You can add the First American upgrade at no extra charge. 

Other add-on protection includes the following options:

  • Additional refrigeration
  • Septic tank pumping/systems 
  • Water softeners
  • Well pumps

Our Experience With First American Home Warranty

Our team member had a broken garage door opener and used his First American plan to repair it. Here’s a breakdown of his claims process:

  • He used the online portal to submit his claim. 
  • He received immediate confirmation of the claim process and a text confirmation with his technician’s information.
  • The technician reached out 30 minutes later to book an appointment. Since the claim was filed on a Friday, he received an appointment for the next business day. 
  • Repairs took less than 30 minutes, and he only paid the standard service call fee. 

In addition, First American chose the service technician for him, since the company uses its own network of preapproved technicians. However, if a technician wasn’t available in his area, the company would let him choose his own.


Which Home Warranty Companies Missed the List?

We looked into each of the main home warranty companies in Colorado when crafting this article. While many companies measured up to our ratings and review standards, some failed to and were excluded. We left off companies with a history of dishonest business practices or fraud, such as American Home Guard. However, most providers were excluded due to receiving a low score in our ratings and review standards.

The companies that scored poorly aren't the top choice for homeowners in Colorado but could be useful in niche cases. Here are some of the providers that came close to making our list of the best home warranties in Colorado:

Cinch Home Services

Cinch Home Services’ lack of roof-leak coverage was the main reason for its exclusion. Most home warranty companies offer some form of roof-leak coverage, even if it's only included in premium plans or as an add-on. Cinch’s biggest benefit is its coverage of exterior rust and corrosion. This unique coverage makes it particularly valuable for homeowners with steel gutters and metal roofs.

ARW Home Warranty

We excluded ARW Home Warranty due to its limited coverage options. Its service plan covers just eight systems, and its appliances plan only seven. While ARW’s premium choice combines the coverage of the others, it still contains fewer items than industry-standard premium plans. ARW is a reliable option for Colorado homeowners with older items since it lacks age limits.

2-10 Home Buyers Warranty

We excluded 2-10 Home Buyers Warranty because of its limited coverage and restrictive policies. Its appliance and system plans only cover eight and seven items, respectively. Additionally, 2-10 only offers four add-ons. While its premium plan covers all 15 items from the previous two, 2-10 Home Buyers Warranty coverage is still below the industry standard. It's a viable option, though, for budget-minded homeowners since its service fees and monthly premiums are inexpensive.


How To Choose a Home Warranty in Colorado

Before buying a home warranty in Colorado, consider the following factors while shopping:

  • Check policy fine print: Review each provider’s sample contracts and read through all coverage terms, exclusions, and limitations. Check that each company offers payment for item repair or replacement. If you own an older home, make sure the company doesn’t exclude items with preexisting conditions or damage. 
  • Research each company: Check any potential home warranty provider’s history, brand reputation, and online reviews. Look for patterns of poor service, questionable business practices, or frequent claim denial.
  • Request multiple quotes: Most home warranty providers offer free quotes online and through their customer support teams. Request quotes from at least three providers and compare their coverage, pricing, and claims processes. Some companies offer exclusive deals online or over the phone, so it’s smart to get quotes using both methods.
Over three-fourths of Colorado homeowners rely on furnaces to heat their homes, according to data from the U.S. Energy Information Administration (EIA). Without a home warranty, you could face steep furnace repair or replacement costs.

How Are Home Warranties Regulated in Colorado?

In Colorado, the Division of Real Estate regulates home warranty service contracts under Title 12, Article 10. You can file a complaint directly with the office for any deceptive business practices or questionable policies.

In 2023, Colorado House Bill 23-1134 included amendments to home warranty service contracts regarding gas-powered systems and appliances. Beginning on July 1, 2024, all home service warranties in Colorado must allow homeowners to replace their gas-powered appliances and systems with electric alternatives. Regarding gas-fueled HVAC systems, furnaces, boilers, and water heaters, the home warranty provider must allow Colorado homeowners to replace these items with a heat-pump-based system instead.


Home Warranty Cost Calculator

We created a calculator to break down the estimated annual cost of owning a home warranty.

To calculate your projected annual cost, use the following steps:

  1. Enter your monthly premium
  2. Enter your service call fee
  3. Enter your estimated number of claims

It’s best to request quotes directly from one of our recommended providers since annual costs and service fees vary.

Use the table below to compare your calculated repair and replacement costs for common appliances.

ApplianceAverage Repair CostAverage Replacement Cost

Dehumidifier

$50–$200

$1,300–$2,800

Microwave

$50–$400

$60–$2,000

Dishwasher

$50–$500

$400–$3,000

Exhaust Fans

$16–$300

$250–$950

Electric Range

$100–$500

$230–$3,000

Gas Range

$100–$500

$230–$3,000

Dryer

$100–$400

$450–$2,300

Oven

$100–$430

$400–$3,000

Washer

$50–$450

$400–$2,300

Freezer

$90–$500

$160–$2,900

Refrigerator

$40–$350

$200–$5,000

Note: Life span and repair cost data sourced from the International Association of Certified Home Inspectors (InterNACHI) and Home Depot.


Other Resources for Colorado Residents


FAQs About Home Warranties in Colorado

How much does a home warranty cost in Colorado?

The average cost of a home warranty in Colorado is $57 monthly or $684 annually.

What is the best home warranty in Colorado?

We recommend Liberty Home Guard as the best home warranty company in Colorado due to its wide selection of add-ons and 60-day workmanship guarantee.

What does a Colorado home warranty cover?

Home warranties in Colorado typically cover a selection of appliances, home systems, or both. Commonly covered items include clothes washers and dryers, refrigerators, plumbing, heating systems, cooling systems, and cooktops.

What are the top-rated home warranty companies in Colorado?

We rate Liberty Home Guard, American Home Shield, Elite Home Warranty, Select Home Warranty, and First American Home Warranty as the best home warranty companies in Colorado.


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for cities throughout Colorado.

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