A home warranty covers repairing and replacing systems, such as your heating and plumbing, and appliances, such as your dishwasher and refrigerator. 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 dozens of home warranty companies to identify the top home warranty companies in Colorado.

Colorado’s Top 5 Home Warranty Companies

The highest rated home warranty companies in Colorado include these:


American Home Shield

American Home Shield brings Colorado homeowners value through its competitive pricing and comprehensive plans. Also, AHS covers items with unknown preexisting conditions, making it a great choice for older homes.

Pros and Cons

Here are a few key highlights for AHS coverage:

Provides generous coverage caps per covered item
Covers improperly installed or maintained items
Allows customers to choose their service fee

✘ Doesn’t offer many optional add-ons
✘ Charges high monthly premiums

Plans and Pricing

American Home Shield has three plan options to choose from: ShieldPlatinum, ShieldGold, and ShieldSilver. Here is an overview of each covered item per plan.

  • ShieldSilver ($44.99–$59.99 per month): Covers air conditioners, heating units, ductwork, built-in exhaust fans, vent and attic fans, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets and valves, whirlpool tub motor and components, and water heaters. The coverage cap is $3,000 per covered item.
  • ShieldGold ($54.99–$69.99): Covers all ShieldSilver items plus refrigerators, ranges/cooktops, ovens, dishwashers, built-in microwave ovens, garbage disposals, instant hot/cold water dispensers, washers, and dryers. The coverage cap is $3,000 per covered item.
  • ShieldPlatinum ($84.99–$99.99): Includes all covered items plus $1,500 roof-leak repair and an increased $6,000 cap limit.

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.

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

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.

Fill out American Home Shield’s quote form or call 844-529-9298 to request your free quote.

Learn more: American Home Shield Review


Liberty Home Guard

Liberty Home Guard (LHG) is a reputable provider with more than 38 add-on coverage options. LHG provides a 60-day workmanship guarantee, which is double the industry average. Additionally, LHG provides discounts for select appliance purchases.

Pros and Cons

Here are a few key pros and cons of LHG coverage:

Covers two air conditioning units per service contract
Provides 38 add-on options to customize your plan
✔ 60-day workmanship guarantee

✘ No choice in contractor without authorization
Lacks transparency with service call fee pricing options

Plans and Pricing

LHG has three plans: Appliance Guard, Systems Guard, and Total Home Guard. Here is an overview of each covered item per plan.

  • Appliance Guard ($49.99): Covers nine major appliances, such as clothes washers, clothes dryers, refrigerators with ice and water dispensers, built-in microwave ovens, dishwashers, garbage disposals, ranges/ovens/cooktops, ceiling and exhaust fans, and garage door openers.
  • Systems Guard ($54.99): Covers six major systems, such as air conditioning, heating, ductwork, plumbing, electrical, and water heaters
  • Total Home Guard protects all of those items, giving you comprehensive coverage.

Liberty Home Guard has over 38 add-on options—a few include: Pest control, limited roof leak, pool and spa, central vacuum, re-key, and more.

Liberty Home Guard charges between $65–$125 per claim. LHG determines your policy’s service call fee range based on home size, type, location, plan and add-on selections.

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

Learn more: Liberty Home Guard Review


Select Home Warranty

Select Home Warranty is worth considering due to its budget-friendly plans, included roof-leak repair in every plan, and low $75 service call fee. If you want affordable coverage for your home, Select provides home protection plans all under $50 per month.  

Pros and Cons

Here are a few key pros and cons to help you decide whether Select is right for you:

✔ Offers budget-friendly coverage plans for less than $50 per month
✔ Allows claims to be filed within two days (rather than as soon as discovered)
✔ Includes roof-leak coverage in every plan (up to $400 annually)

✘ Applies low coverage caps on covered items ($2,000 for HVAC, $500 for electrical/plumbing/appliances, and $400 for add-ons)
✘ Excludes coverage for items with preexisting conditions

Plans and Pricing

Select provides coverage for your home’s systems and appliances via its Bronze Care, Gold Care or Platinum Care plan. Below is an overview of covered items per plan.

  • Bronze Care ($44.42): Protects eight standard appliances, which includes cooktops, dishwashers, garbage disposals, built-in microwaves, refrigerators, stove/ovens, clothes washers and clothes dryers. 
  • Gold Care ($44.42): Protects six major systems, including air conditioning, ductwork, electrical, heating, and plumbing systems and water heaters.
  • Platinum Care ($47.75): Combines appliance and home systems coverage into one comprehensive plan.

Select offers the following add-ons: Central vacuum, lawn sprinkler system, pool, roof leak (at no extra cost), septic system, spa, stand-alone freezer, sump pump and well pump.

Expect to pay between $44 and $48 per month plus a $75 per service call per request for Select Home Warranty coverage. 

Fill out the Select Home Warranty quote form or call 888-370-3956.

Learn more: Select Home Warranty Review


AFC 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.

Pros and Cons

Review our key pros and cons to help you decide whether AFC is right for you:

✔ Provides unlimited workmanship guarantee per repair for the life of your plan
✔ Allows customers to choose their own service technician
✔ Has a completely in-house service team

✘ Doesn’t provide coverage for pre-existing conditions
✘ Charges a $75 cancellation fee after the first 30 days
✘ Monthly premiums are slightly higher than other competitors

Plans and Pricing

America’s First Choice Home Club offers four plan options for Colorado homeowners, including a Systems Plan, Silver Plan, Gold Plan, and Platinum Plan. Here is an overview of each covered item per plan:

  • Systems Plan ($43–$48): Covers water heaters, air conditioning, ductwork, heating, electrical and plumbing systems.
  • Silver Plan ($36–$41): Protects appliances such as clothes dryers, clothes washers, refrigerators, oven/range/cooktop/stoves, dishwashers, garbage disposals, and garage door openers.
  • Gold Plan ($50–$55): Bundles the Systems and Silver coverage.
  • Platinum Plan ($54–$60): Covers all aforementioned items plus ice makers, plumbing stoppages, faucets, built-in microwaves, and attic, ceiling, and exhaust fans.

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.

AFC Home Club’s per-visit service fee ranges from $75–$125.

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

Learn more: America’s First Choice Home Club Review


Cinch Home Services

Cinch Home Services is our pick for Colorado homeowners looking for additional perks with their home warranty coverage. Cinch provides discounts to customers buying new appliances, covers rust and corrosion damage, and its Complete Home Plan includes a $500 reimbursement for your homeowners insurance deductible. 

Pros and Cons

Here are a few key pros and cons to help you decide whether Cinch is right for you:

✔ Offers 180-day workmanship guarantee
✔ Provides access to discounts on new appliances
✔ Covers rust, corrosion, and preexisting conditions

✘ Charges higher service call fees than others on this list
✘ Excludes mobile home coverage

Plans and Coverage

Cinch Home Services offers three plans: the Appliances plan, the Built-in Systems plan and the Complete Home plan. All plans come with an air conditioner or water filter credit. Here is an overview of each covered item per plan:

  • Appliances plan ($29–$40): Covers clothes dryers, clothes washers, cooktops, dishwashers, built-in food centers, freestanding ice makers, built-in microwaves, ranges, range exhaust hoods, refrigerators, built-in trash compactors, and wall ovens.
  • Built-in Systems plan ($35–$48): Covers air conditioning, ductwork, attic and ceiling fans, central vacuum, doorbells, electrical, heating and plumbing systems, garage door openers, garbage disposals, instant hot and cold water dispenser, smoke detectors, sump pumps, toilets, water heaters, and built-in whirlpool tubs.
  • Complete Home plan ($44–$57): Combines systems and appliances coverage and includes a $500 reimbursement for your homeowners insurance deductible.

Cinch Home Services coverage add-ons include these items: Pools, spas, pools with spas, septic tanks and pumping, well pump, and its Premier Upgrade Package, which covers miscellaneous fees, such as electrical modifications, that are not covered by a home warranty.

Get a quote: Fill out the Cinch Home Services quote form or call  855-435-0489 to request your free quote.

To learn more: Cinch Home Services Review


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


Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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