Best Home Warranty Companies in Colorado (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. American Home Shield tops our list thanks to its 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 company in Colorado is American Home Shield, based on our extensive research of 13 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. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
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:
- Best for Comprehensive Coverage: American Home Shield
- Best for Customized Coverage: Elite Home Warranty
- Best for High-End Items: First American Home Warranty
- Best Customer Support: Liberty Home Guard
- Best Budget Plan: Select Home Warranty
Compare Home Warranty Companies in Colorado
Our table below compares key factors of the top Colorado home warranty companies.
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#1 out of 16 companies | #2 out of 16 companies | #3 out of 16 companies | #4 out of 16 companies | #5 out of 16 companies | |
NR | B | B- | B+ | B | |
Monthly Cost |
$49–$59 | $49–$109 | $44–$47 | $44–$59 | $47–$87 |
Service Fees |
$65–$125 | $100–$125 | $60–$75 | $70 | $75–$125 |
Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal |
Response Time |
Up to 48 hours | Up to 48 hours | 48-84 hours | Up to 48 hours | 4–48 hours |
Pros |
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Cons |
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Summary |
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations. |
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes. |
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage. |
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options. |
We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances. |
Promotions |
$200 Off + 2 Months Free + Roof Leak Protection | Black Friday Savings: 50% OFF Select Plans | Use code HOUSE25 for $150 off + 2 months free | $150 off + 30-day free trial | $100 Off with Code “PROTECT” |
Rating Categories |
Liberty Home Guard | American Home Shield | Select Home Warranty | Elite Home Warranty | First American Home Warranty |
Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Customer Support |
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Flexibility |
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.
- Read more: Home Warranty Pricing Explained
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:
Item | Average Cost to Repair | Average Cost to Replace |
---|---|---|
$30–$150 |
$3,800–$10,000 |
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$100–$650 |
$2,500 and $15,000 |
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$150–$450 |
$200–$5,000 |
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$150–$2,000 |
$5,000–$13,000 |
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$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
- Refrigerators
- Clothes dryers
- Dishwashers
- Clothes washers
- Air conditioning
- Ductwork
- Heating
- Water heater
- Plumbing
Common Exclusions
- 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
Common Add-Ons
- Swamp cooler
- Septic system
- Water softener
- Sump pump
- Lighting fixtures
- Trash compactor
- Plumbing fixtures
- Lawn sprinkler system
- Roof leak
Our Home Warranty Research Process
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:
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:
- Enter your monthly premium
- Enter your service call fee
- 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.
Appliance | Average Repair Cost | Average 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.
Our Methodology
We back 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, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.