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Best Home Warranty Companies in Colorado (2024)

Author Icon By Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 02/23/2024

Colorado homes face ever-changing weather conditions throughout the year. With dry, hot summers and below-freezing winters, heating and cooling failures could leave your family stranded in unpleasant conditions. Home warranties not only help expedite these repairs, but they also help reduce your out-of-pocket costs when home emergencies happen. 

Over three-fourths of Colorado homeowners rely on furnaces to heat their homes, according to the U.S. Energy Information Administration (EIA). Without a home warranty, you could face costly furnace repair or replacement costs. 

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

Did You Know?

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


The 5 Best Home Warranty Companies in Colorado

Liberty Home Guard offers protection for multiple AC units and specialized coverage plans. American Home Shield provides comprehensive appliance and system protections, plus generous plumbing coverage. We’ve listed our complete list of Colorado home warranty companies below: 

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

Comparing Colorado Home Warranty Companies

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

Star Rating Monthly Cost 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
$29–$89 $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
AFC Home Warranty AFC Home Warranty
$38–$64 $75–$125 24-48 hours GET A QUOTE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $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 $29–$89
Service Fee $100–$125
Response Time Up to 48 hours
GET A QUOTE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost $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 $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 $42–$82
Service Fee $75–$125
Response Time 4-48 hours
GET A QUOTE
AFC Home Warranty
Logo AFC Home Warranty
Star Rating
Monthly Cost $38–$64
Service Fee $75–$125
Response Time 24-48 hours
GET A QUOTE
Company BBB Rating Monthly Cost Service Fee Visit Site
A $49–$59 $65–$125 VISIT SITE
B $29–$89 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B $44–$47 $60–$75 VISIT SITE
B $42–$82 $75–$125 VISIT SITE
B $38–$64 $75–$125 VISIT SITE
No results were found.

Note: BBB ratings are accurate as of January 2024.

Note: We pulled all pricing information in this article for a 2,498-square-foot, single-family home in Denver, Colorado. Your pricing may vary based on your chosen provider, your coverage plan, and your home’s size, type, and location.


How We Rated Home Warranty Companies in Colorado

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

Next, we scored each provider against our review standards in four categories: coverage, value, trust and transparency, and availability and service. We ensured each company offered roof-leak and plumbing coverage within its standard plans or added optional add-ons. We weighed premium costs against coverage value. We verified brand reputation and read third-party customer reviews to understand the customer experience. Finally, we assessed claims response times, customer support availability, and the overall claims process.


Do I Need a Home Warranty in Colorado?

With a home warranty, you receive added protection against appliance and system emergencies. In areas with colder temperatures, heavy snow and ice buildup eventually wear down your roof’s integrity, leading to leaks. Frigid temperatures can damage pipes, causing them to leak and burst. In addition, your heating system must remain in top condition to keep your home comfortable through 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 you 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

Data sourced from The Home Depot


How Much Does a Home Warranty Cost in Colorado?

Based on our sample quotes, Colorado home warranties average around $57 per month. If you opt for an annual plan, you could pay $688 for coverage. Additional costs include service call fees, which cost between $65 and $125 per service call. Factors contributing to overall costs are home size, coverage options, add-on coverage, and location. We’ve highlighted several factors below that will impact your home warranty costs:

  • Add-on coverage: Customizing your plan with add-on options can add up quickly. Some necessary coverage in Colorado, such as sump pump and roof-leak coverage, are only offered as add-ons. When building your customized coverage, limit add-ons to coverage that matches your immediate needs. 
  • Comprehensive vs. specialized coverage: We recommend assessing your coverage needs and choosing the appliances and systems you need coverage for the most. Based on our research, comprehensive plans typically cost more than appliance- or system-only coverage. If you only need plumbing or roof-leak coverage, consider a system-only plan with a roof-leak add-on. However, if you need coverage for several home systems and appliances, a comprehensive plan could help you save more in future repair costs. 
  • Home size and features: Home warranty companies typically charge more for homes over 4,000 square feet. In addition, homes with unique features, such as pools, guest units, and additional refrigerators, will need specialized coverage.
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
Home Owners Surveyed We surveyed 2,000 home owners to see what they care about most when in comes to 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.

Colorado Home Warranty Company Reviews

Liberty Home Guard

Best Customer Ratings
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 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

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

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. 

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
4.4 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 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

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

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. 

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

Select Home Warranty

Best Value
4.3 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

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

After our team read through the Select Home Warranty sample contract, we discovered that the company’s coverage caps fall below other providers. Although HVAC systems receive $3,000, all other items, including plumbing systems, max out at $500. Select includes free roof-leak coverage with every plan, which is typically offered for additional costs. Homeowners receive a 30-day workmanship guarantee with their repairs. We recommend Select for Colorado homeowners who need more HVAC and roof-leak coverage than plumbing protections. 

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. 

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
4.6 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 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

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

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. 

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.

AFC Home Warranty

Best for Customization
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 America’s First Choice Home Club (AFC Home Club) for Colorado homeowners that want more plan customization and extensive repair guarantees. The company offers four plans and three service fees to help you build the right plan, plus a plan-length workmanship guarantee. 

Monthly cost: $40–$68

How We Scored AFC Home Club

We awarded AFC Home Club 4.6 out of 5 in our review standards. The company received high scores for its four plans, three service fees, and 13 add-on options. We deducted points for its depreciation policy for items five years and older. Here’s how AFC Home Club scored in key categories.

  • Coverage (4.3 out of 5): AFC Home Club lost points for including a depreciated value policy in its coverage. 
  • Value (4.5 out of 5): We awarded higher scores for its plan customization options. 
  • Trustworthiness and Transparency (4.8 out of 5): AFC Home Club scored well due to its unlimited workmanship guarantee. 
  • Availability and Service (5 out of 5): AFC Home Club achieved a perfect score for its flexible service technician policy.

Pros and Cons

Pros Includes an unlimited workmanship guarantee Offers unlimited caps for systems, including HVAC and plumbin Provides free roof-leak protection with every plan Cons Excludes items with unknown preexisting conditions Includes a depreciated value policy with its coverage Requires immediate reporting of any system or appliance issue

Plans and Cost

After reading through the AFC Home Club sample contract, we discovered that the company offers unlimited coverage caps for home systems. This coverage comes with three of the company’s four plans. All plans also include an unlimited workmanship guarantee, which is the longest of any provider in this review. Although appliances receive a $3,000 cap, they could receive lower payouts due to the company’s depreciated value clause. The company pays based on the depreciated value of any item that’s five years or older. 

Here’s a breakdown of each AFC Home Club plan:

  • Silver Plan: The lowest plan covers nine standard home appliances, including  cooktops and kitchen refrigerators. Coverage includes a $3,000 cap for appliances. 
  • Systems Plan: This system-only plan includes five systems, including air conditioning and plumbing systems. Home systems receive an unlimited coverage cap. 
  • Gold Plan: This plan bundles Systems and Silver items and includes ductwork coverage. All coverage caps remain the same. 
  • Platinum Plan: The highest plan includes the Gold Plan coverage and adds more items, such as plumbing stoppages, faucets, and built-in microwaves.

AFC Home Club offers annual and monthly premiums. Annual plans include a $100 discount for a one-year plan and $250 for three years. AFC Home Club allows you to choose a $75, $100, or $125 service call fee.

Here’s an overview of AFC Home Club’s pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

Silver Plan

$40.42–$46.00

$75–$125

$3,000

Systems Plan

$48.75–$54.33

$75–$125

Appliances: $3,000

Systems: Unlimited

Gold Plan

$57.08–$62.58

$75–$125

Coverage caps remain the same

Platinum Plan

$62.58–$68.17

$75–$125

Coverage caps remain the same

AFC Home Club offers 13 add-on options for better customization. The lowest pricing starts at $25 per year and runs as high as $150.  You can add roof leak coverage to any plan at no additional cost.

Additional add-on options include the following items:

  • Double ovens
  • Hot water dispensers
  • In-ground pools and spas
  • Septic systems
  • Sump pumps

Our Experience With AFC Home Club

During secret shopping, we learned that AFC Home Club lets homeowners select their own service contractors. Other companies typically restrict repair calls to in-network technicians only. We also found out that AFC offers exclusive membership perks to its customers. These perks include free credit monitoring, identity protection, pet insurance, and more. These benefits are rare offerings from a home warranty provider. 


How To Choose a Home Warranty in Colorado

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

  • Check policy fine print: Review each provider’s sample contracts and read through all coverage terms, exclusions, and limitations. Ensure each company offers payment for item repair or replacement. If you own an older home or items, 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. Check for any 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 team. Request quotes from at least three providers and compare their coverage, pricing, and claims process. Some companies offer exclusive deals online or over the phone. We recommend trying both methods to secure the best deals.

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, an updated Colorado House Bill 23-1134 included amendments to home warranty service contracts regarding gas-powered systems and appliance replacements. Beginning on July 1, 2024, all issued or renewed 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 include terms that 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. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.

Life span and repair cost data sourced from InterNACHI and Home Depot


Other Resources for Residents in Colorado


Frequently Asked Questions

Do home warranty companies offer sample contracts?

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 coverage conditions.

Do I need an inspection before buying a home warranty?

Most Colorado companies allow you to purchase a home warranty plan without an inspection. You may want to consider getting an inspection so 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. Inspections are expensive, but you may already have an inspection report available if you recently had an inspection before purchasing your home. 

Can you purchase a Colorado home warranty anytime?

Yes, you can purchase a Colorado home warranty at any time. Homeowners can purchase coverage when they are buying, selling, or currently living in a home. Since many home warranty companies don’t cover items with preexisting conditions, we recommend purchasing a policy when items are new or after your manufacturer warranty concludes. 


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

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


Our Detailed Rating Methodology

We score each provider using a detailed rating methodology to score each provider objectively. We use four comparison categories and rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trustworthiness and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
    • Claims process
    • Guaranteed response time
    • Service flexibility

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

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