Blue Ribbon Home Warranty Review (2020)

By House Method

Blue Ribbon Home Warranty is a home warranty company that offers service only in Colorado. In fact, it’s been the only locally owned and operated home warranty company in the state of Colorado since its founding in 1985.

In our 2020 review of Blue Ribbon Home Warranty, we discuss the company’s plans and pricing, go over the coverage details, compare the company to competitors in the industry, and discuss Blue Ribbon Home Warranty reviews from customers. Keep reading to see if Blue Ribbon is the best home warranty for you and your home.

  • Longest home warranty coverage term in the industry
  • A+ rating from the BBB
  • One of the oldest home warranty providers
Pros  Cons
Low monthly premium cost and service fees

24/7/265 customer service line

24-hour guaranteed response time

Only available in Colorado

Basic plan does not include washer, dryer, or A/C

Blue Ribbon Home Warranty plans, coverage, and cost

Blue Ribbon offers three plans—Silver, Gold, and Platinum—for an average cost of $26.79–$56.79 a month for 14 months. Additionally, Blue Ribbon offers optional coverage on things such as pools, hot tubs, roof leaks, septic tanks, and more.

Coverage for condos and townhomes tends to be around $100 less than the single-family plan at every coverage level.

Silver plan: $26.79 per month ($321.48 per year). This plan covers 17 systems and appliances. It does not include central air conditioning.

  • Heating system
  • Ductwork
  • Plumbing system
  • Water heater
  • Built-in Whirlpool tub
  • Sump pump
  • Electrical system
  • Garage door opener
  • Central vacuum
  • Doorbell (wired)
  • Kitchen & bathroom exhaust fans
  • Refrigerator
  • Oven/Range
  • Dishwasher
  • Over-the-range microwave
  • Garbage disposal
  • Trash compactor

Gold plan: $33.93 per month ($407.16 per year). This plan covers everything under the Silver plan, plus several other key systems and appliances, such as central A/C and your washer and dryer.

  • Heating system
  • Ductwork
  • Plumbing system
  • Water heater
  • Built-in Whirlpool tub
  • Sump pump
  • Electrical system
  • Garage door opener
  • Central vacuum
  • Doorbell (wired)
  • Kitchen & bathroom exhaust fans
  • Refrigerator
  • Oven/Range
  • Dishwasher
  • Over-the-range microwave
  • Garbage disposal
  • Trash compactor
  • Washer
  • Dryer
  • Central A/C, evaporative cooler, heat pump, or whole house fan

Platinum plan: $56.79 per month ($681.48 per year). This is the most comprehensive coverage plan from Blue Ribbon. It includes all systems and appliances from the Silver and Gold plans, in addition to the following:

  • Heating system
  • Ductwork
  • Plumbing system
  • Water heater
  • Built-in Whirlpool tub
  • Sump pump
  • Electrical system
  • Garage door opener
  • Central vacuum
  • Doorbell (wired)
  • Kitchen & bathroom exhaust fans
  • Refrigerator
  • Oven/Range
  • Dishwasher
  • Over-the-range microwave
  • Garbage disposal
  • Trash compactor
  • Washer
  • Dryer
  • Central A/C, evaporative cooler, heat pump, or whole house fan
  • Blue Ribbon Premier Upgrade
  • Maintenance plan
  • Second garage door opener
  • Three items from the “Additional Items” menu

Optional Coverage / Additional Items: In addition to Blue Ribbons’s home warranty plans, the company also offers coverage for the following items. If you sign up for the Platinum plan, three of these items will be included.

  • Double oven
  • Gas fireplace
  • Well
  • Septic tank
  • Sewage ejector pump
  • Pool
  • Hot tub
  • Pool and hot tub
  • Roof leaks

Note: All Blue Ribbon home warranty plans have a $65 service fee. This means that every time a contractor comes to your house to address a claim, you’ll be paying them a $65 fee.

Price of Blue Ribbon Home Warranty vs. competitors

This graph represents the monthly premium customers would pay under Blue Ribbon's most basic plan against what they would pay for competitor plans. Note: these prices do not include the service fee amount.

Details for top Blue Ribbon systems and appliances

To understand what systems and appliances are most important to homeowners, our team at House Method surveyed 1,000 homeowners and asked them which items are most valuable to them.

Our data shows that the top systems and appliances people care about are the electrical, plumbing, air conditioning, refrigerator, washer/dryer, and oven/stove/range. Blue Ribbon provides information on their site as well as their sample contract for covered items. We’ve provided the information for the most important systems and appliances below:

Refrigerator

Blue Ribbon covers most components of a refrigerator, including the ice maker and dispenser, which many home warranty companies do not cover. Here are the refrigerator elements not covered in a Blue Ribbon plan: refrigerant and refrigerant recapture, appliance knobs and handles, lights, tracks, removable baskets, springs and hinges, multimedia displays, and food spoilage.

Oven/stove/range

Similar to refrigerators, most parts and components of ovens, stoves, and ranges are covered. These are the exclusions: clocks or self-cleaning mechanisms (unless it affects the function of the oven), timers, rotisserie, meat probes, interior lining, door glass, sensi-heat burners, springs, and hinges.

Clothes washer and dryer

All mechanical parts of a washer and dryer are covered under Blue Ribbon, with the exception of the following items: plastic mini-tubs, soap dispensers, filter screens, knobs, dials, springs and hinges, venting or lint screens, and damage to clothing.

Electrical

Here’s what’s covered under Blue Ribbon electrical coverage: Main panel, sub panels, breakers, switches, outlets, wiring, ground fault interrupters, junction boxes, exhaust fans, ceiling fans (excludes remote transmitter and light kits), doorbells, and garage door openers. 

Some items that aren’t included are lighting fixtures, attic fans, intercoms, low voltage lighting controls, and panels that have lost their UL listing.

Plumbing

Here’s what’s covered: Leaks or breaks in water, waste, vent or gas lines, angle stops, risers, gate valves, shower and tub valves, toilet mechanisms, wax ring seal, stoppage in interior drain, waste and vent lines, permanently installed sump pumps, built-in bathtub whirlpool (drain and fill) motor and pump assemblies, garbage disposal and water heater.

Blue Ribbon doesn’t cover plumbing fixtures (faucets, sinks, toilets, tubs, showers, enclosures and base pans), urinals, power flush mechanisms, instant water dispensers, caulking and grouting, stoppages in incoming water lines, or water flow restriction caused by chemical or excessive mineral deposits. For a full list of what is and isn’t covered under your plumbing, read your home warranty contract.

Air conditioning

Blue Ribbon covers one cooling system under its Gold and Platinum plans. The parts protected include the compressors, condensers, motors, thermostats, and refrigerant leaks. Note: coverage is contingent on Blue Ribbon approving an inspection report of the unit. 

Here are a few items that are excluded from air conditioning coverage: Refrigerant and refrigerant recapture, conversion, condenser casings, roof jacks, stands, registers, filters, electronic air cleaners, gas air conditioners, and window and wall units that aren’t ducted.

Sign up for a Blue Ribbon home warranty today

Coverage length

Blue Ribbon offers a 14-month contract with coverage beginning when payment is received, a much quicker turnaround than the industry average of 30 days. You can renew your contract at the end of the coverage term.

Note: You may cancel your plan within 10 days of starting coverage, as long as you’ve given written notice. If you cancel your plan before your contract is up, a prorated refund will be provided.

Coverage limits

Blue Ribbon reserves the right to exclude coverage if your appliance or system is not properly maintained or installed. However, they offer a home help section on their website to assist you with issues that aren’t covered by the company—this includes a home systems annual maintenance checklist, maintenance information and servicing tips, basic troubleshooting, average repair and replacements costs, and a link to Colorado’s official website regarding energy management and efficiency.

See if your state is covered by Blue Ribbon Home Warranty

AlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyomingDistrict of Columbia

Best Home Warranty Companies in Colorado

Looking for a home warranty in Colorado? We compared the top providers in Colorado below.

Blue Ribbon is only available in Colorado. If you need home warranty coverage outside of Colorado, check out our state home warranty guides to find the best home protection plan for you and your home. 

Our take

Blue Ribbon Home Warranty is a great option if you live in Colorado. In our opinion, its limited nationwide availability is the only real downside for the company. It provides good coverage with a variety of plans at a reasonable cost. If you’re looking for a home warranty company in Colorado, Blue Ribbon should be a serious contender for you.

As mentioned, the company offers three different plans that all fall in line with or below the industry average. The only drawback regarding coverage is that washers, dryers, and air conditioning aren’t covered under the basic plan (the Silver plan). However, the Silver plan covers 17 systems and appliances, which is pretty comprehensive for a basic plan. The Platinum plan, while roughly $30 more a month, provides maximum coverage and even gives customers the choice of additional coverage for items such as a roof, pool, or sump pump.

When it comes to trustworthiness and customer service, Blue Ribbon scored high marks. The company has been in business for 34 years and is an A+ accredited business on the Better Business Bureau (BBB)—well above many competitors ratings. Additionally, the customer service line is available 24/7/365 and the company guarantees that a service provider will contact you within 24 hours of filing a claim.

Overall, Blue Ribbon Home Warranty provides great coverage with reasonable rates and has quick turnaround on claims. They’re one of our highest-rated home warranty companies in the industry and we’d recommend them more if they offered coverage outside of only Colorado.

Blue Ribbon Home Warranty ratings

Plan options

5.0 / 5

Breadth of coverage

3.9 / 5

State availability

1.8 / 5

Cost

5.0 / 5

Trustworthiness

4.8 / 5

Customer service

5.0 / 5

Unique benefits

1.0 / 5

Blue Ribbon Home Warranty reviews

As a consumer, you probably don’t have the time to sit around and sift through the hundreds of reviews left by Blue Ribbon customers. That’s where we come in. At House Method, we go through user complaints, reviews, and ratings of each home warranty company and compile that information in a chart that’s easy for you to read.

Below, we’ve included Blue Ribbon Home Warranty ratings compared to the industry average.

Summary of Customer Feedback

Reviewer Blue Ribbon Ratings Industry Average Ratings
Average # of Reviews Average Score Average # of Reviews Average Score
Yelp 60
2.5 375
1.2
BBB 11
2.1 956
2.0

Frequently asked questions about Blue Ribbon Home Warranty

What types of homes are covered under Blue Ribbon?

Coverage is available for homes, condominiums, townhouses, duplexes, triplexes, fourplexes, multi-family units, investment properties, and manufactured and mobile homes (manufactured after 1967).

Are pre-existing conditions for systems and appliances covered under a Blue Ribbon warranty?

Blue Ribbon states that systems and appliances must be in good and safe working order to start coverage. Known pre-existing conditions or defects will not be covered until repairs have been made.

How do I file a claim with Blue Ribbon?

You can file a claim with Blue Ribbon by calling their hotline 24 hours a day, seven days a week or filing a claim online.

How much does Blue Ribbon charge for a service fee?

There’s a $65 co-pay (service fee) for every service call.

Is there a workmanship guarantee?

All repairs completed by Blue Ribbon service professionals are under additional warranty for 30 days. If the appliance or service fails after 30 days, you will be required to pay an additional $55 copay for a second repair or replacement.

Final thoughts

House Method gives Blue Ribbon 4 out of 5 stars. The company provides a variety of coverage options at prices that are average or even cheaper than competitors and it’s a great choice if you live in Colorado. 

Blue Ribbon Home Warranty may be a good choice for you if…

  • you live in Colorado.
  • you want good coverage at an affordable price.
  • you value working with a local company.

Blue Ribbon Home Warranty may not be a good choice for you if…

  • you live in the 49 states not covered by the company.
  • you want a national brand like American Home Shield.

Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source.

Our rating system involves a weighted, 100-point scale that scores home warranty companies on plans offered, coverage, state availability, cost, trustworthiness, customer service, and unique benefits.

For more details, check out our affiliate disclosure and rating methodology.

Company information

  • Company name: Blue Ribbon Home Warranty
  • Company type: Private
  • Founding date: 1985
  • Years in business: 34 years
  • Telephone: (303) 986-3900
  • Address: 95 S Wadsworth Blvd
  • State/province: Lakewood, CO
  • Postal code: 80226
  • State availability: 1 state
  • Service fee: $65
  • BBB rating: A+

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