Best Home Warranty Companies in Colorado (2021)

By Julie Thompson

Colorado is becoming a very popular place to live. With access to the mountains and tons of outdoor activities, Colorado homeownership is a dream come true for many people. However, with the altitude and the weather patterns, Colorado homes can experience quite a bit of wear and tear. The home’s systems and appliances tend to need help staying in working condition. In our guide featuring the best home warranty companies in Colorado, we will give you information on:

  • How to choose the best home warranty 
  • Why do Colorado homeowners need a home warranty 
  • What the best companies in Colorado are for home warranties 

A home warranty will protect your budget from unexpected expenses related to system and appliance repair and replacement. If you are worried about the unexpected costs of homeowners, a home warranty will help. Narrowing down the best home warranty companies on the market can take some time and research. If you don’t have that time and want an expert opinion, keep on reading. 

Colorado’s Top 5 Home Warranty Companies

Colorado homeowners are lucky to have more than 50 home warranty companies to choose from for their homes. However, not all of these companies have the best reputation or coverage options. When we go through our home warranty selection process, we consider things like pricing, time in the business, reviews, BBB rating, coverage options, and more. Here is how Colorado’s top five ranked. 

  1. Choice Home Warranty: Best Overall
  2. American Home Shield: Best Customizable Plans
  3. Select Home Warranty: Most Cost-Effective Plans
  4. Liberty Home Guard: Most Trustworthy
  5. First American Home Warranty: Best Appliance Coverage
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty Select Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard Liberty Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
First American Home Warranty First American Best Appliance Coverage Basic Plan: $38/month

Premier Plan: $48.50/month

$75-$100 37 B+

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty in the state of Colorado. The Choice Home Warranty company offers two comprehensive or combo plans; this is not something that you will see from other companies. In addition, Choice Home Warranty has more than 13 years in the industry where they have proven their knowledge of home warranties. The Choice Home Warranty is offered throughout the United States, and it is known for being one of the most reliable and impressive home warranty choices on the market. 

The fact that there are only two home warranty plans from Choice Home Warranty will not restrict you in any way. Both the Basic Plan and the Total Plan have coverage that includes both systems and appliances in the home. In addition, there is plenty of add-on options to help customize the plan. If you want to add your central vacuum or a second refrigerator to the plan, Choice Home Warranty helps to make that possible.  

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

Choice Home Warranty’s service fee is $85. When you compare the average pricing of the plan with the average service fee, you can quickly see that Choice is considered to be a good value. It’s not the cheapest, not the most expensive plan on the market. 

Colorado homeowners will notice that Choice Home Warranty makes the home warranty purchasing decision relatively easy. With simple plans, excellent customer service, and impressive history in the business, it is worth getting a quote from Choice Home Warranty.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is the most customizable plan in Colorado. Typically home warranty companies will give you a list of coverages that will be covered under your plan. With American Home Shield, you are going to be able to customize these coverages so that they precisely match the needs of your home. With more than 50 years in the business and a BBB rating of a B, American Home Shield is one of the most trusted companies in the industry. If you have a high-end Colorado home or a home with unique features, the customization options of the plan will appeal to you. 

American Home Shield has three plans to choose from. One plan is a system-only plan, and the other two are comprehensive plan choices. The combo or comprehensive plans tend to be more popular because they cover the key systems and appliances in the home. In addition, AHS is known for having great add-on coverage for pools and spas. 

Some of the add on coverage that you can get with the American Home Shield warranty includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

Just like the customization of the plan, American Home Shield also allows you to choose a custom service fee. If you want to pay a high monthly fee for your plan, your service fee can be as low as $75. For the lower monthly payments, the service fee will be closer to $125. 

American Home Shield is looked at as a leader in the industry. They have everything necessary for complete coverage and peace of mind of your Colorado home. 

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

The Select Home Warranty is the most cost-effective option for Colorado homeowners. Regardless of your financial situation, it can help when the costs of a home warranty make sense. Typically speaking, one or two repairs in a year should help justify the entire costs paid throughout the year. This won’t be an issue at all with the Select Home Warranty. With nearly ten years in the industry, Select offers coverage and pricing that will make it hard to say no to a home warranty plan. In addition, Select is known for the attention they take when ensuring that the technicians and service personnel are highly trained and qualified. 

The Select Home Warranty offers three plans for customers to choose from. The plans are standard for many home warranty companies, and they include an appliance plan, a systems plan, and then a combo plan. The combo plan called Platinum Care tends to be the most popular option on the market because of the broad range of coverage it offers. Select Home Warranty will throw in free roof leak coverage for all Colorado homeowners purchasing a plan. In addition to the three main plan choices, there are optional coverages from Select Home Warranty as well. 

The add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

Select Home Warranty comes with a $60 service fee. This service fee is very low and helps to make the overall value of the Select Home Warranty even better. Overall, this plan is considered to be one of the best values on the market. 

Sometimes the cost of a home warranty plan can be what keeps you from getting the coverage that your home needs. Luckily, the value of Select Home Warranty makes it a bit easier to purchase a plan and get your coverage started.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is the most trustworthy home warranty on the market. Earning the name of the most trustworthy home warranty after just two years in the industry is quite impressive. Liberty Home Guard came to the market ready to provide top-of-the-line customer service and impressive plan options for its customers. In two years, Liberty Home Guard has also managed to get a BBB rating of an A. Overall you will find that the Liberty Home Guard company is easy to work with and has modern customer service systems in place to get you the quick attention that you need. 

Liberty Home Guard has three plans to choose from. Like many other companies on the market, there are three plans to choose from with Liberty. You can get coverage for appliances, systems, or both. Another thing to keep in mind is that Liberty Home Guard has some of the most extensive add-on coverage in the industry. Being new to the industry, they have managed to find ways to stand out from the other choices on the market. 

The add on coverage from Liberty Home Guard is quite impressive and includes things like:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

The Liberty Home Guard service fee is $60, which is one of the lowest on the market. Overall the plans are considered generally affordable, but the coverage is quite broad. 

The Liberty Home Guard plan is a new one that has brought unique coverage and performance to the market. Don’t let the short time in the industry steer you away from Liberty; simply read a few reviews to see why this company stands out.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281

To learn more information, visit our Liberty Home Guard review.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

The First American Home Warranty is the best option for appliance coverage in Colorado. First American has more than 37 years of experience in the home warranty industry. They have found that kitchen and laundry room appliances are one of the biggest concerns for Colorado homeowners. To help homeowners manage these expenses, the First American Home Warranty offers impressive appliance coverage. With a BBB rating of B+, First American is a trusted company that helps target the specific needs of Colorado homeowners. 

The two plan choices from First American Home Warranty are the Basic Plan and the Premier Plan. The Basic Plan will cover only the appliances in the home, and the Premier covers systems and appliances. The great thing about the Basic Plan is that you can always attach add-on coverage for things like central air conditioning or a swimming pool. 

The optional coverage choices from First American Home Warranty included:

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool/Spa equipment
  • Well pump
  • Septic/septic tank pumping
  • First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)
Plan Price Per Month Price Per Year
Basic Plan  $38 $420
Premier Plan $48.50 $526

The First American Home Warranty will charge $85 for a service fee. This is the same fee as the top overall pick, Choice Home Warranty. You will find that the price of the Basic Plan is relatively low; combined with the service fee, you are still getting a great value. 

Covering the appliances of your Colorado home is a great place to start. You may find that the $38 a month that you spend helps you feel less stressed out about what could happen next in your home. If you like the peace of mind that the appliance plan gives you, there is always room to expand to the Premier Plan at some point.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.

Colorado Home Warranty Buying Guide

Now that you have the top five choices in mind, it’s time to narrow down the choices to the best one for your home. As you can see, we compared things like coverage choices, pricing, overall time in the industry, and more. However, when you narrow down your final plan choices, coverage caps, exclusions, and workmanship guarantees are three critical things to focus on. 

  • Coverage Cap: The coverage cap or coverage limit is how much of a repair or replacement cost the home warranty plan will pay out in the course of a year. Some home warranties come with a $500 cap, and others will have a $3000 cap. Choose something that matches the age and quality of your systems and appliances. 
  • Exclusions: All home warranty companies have exclusions; however, some will have more than others. Things like window air conditioners or non-built-in microwaves are often excluded. Always make sure to check the fine print of the policy. 
  • Workmanship Guarantee: When you pay a service fee to have a technician come to your home and fix an issue, you expect the issue to be fixed for good. However, if the issue comes back after a week or so, you will want to ensure that all costs are covered by the home warranty plan; this is considered the workmanship guarantee. 

Top Home Maintenance Problems in Colorado

Depending on where you live in Colorado, your home could be at a pretty high elevation. Higher elevation can sometimes lead to more snow and moisture issues, making it difficult to maintain the Colorado home. Some problems come up, including heating system, water heater, and plumbing problems. Let’s take a look at how these issues can be covered under your home warranty plan. 

  • Heating System Problems: In the middle of a Colorado winter, you will need the heating system to be in good working condition. Heating systems tend to be quite expensive to repair, but you will only be responsible for the service fee with a home warranty in place. 
  • Water Heater: A water heater is a must-have to stay comfortable in the shower and to get dishes clean. Water heaters tend to be quite simple in operation; however, when they break, they can cause a major disaster in the home. Getting quality repair work done on a water heater before it becomes a major issue is a great benefit of your home warranty plan.
  • Plumbing System and Stoppages: Sometimes, with Colorado homes at a higher elevation, there are issues with plumbing stoppages and issues. If you find that your home has problems with water pressure and it leads to plumbing-related problems, your home warranty can help. 

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Our Conclusion

We hope you now have a better understanding as to which Colorado home warranty plan makes the most sense for your home. With Choice Home Warranty standing out as the best overall option, there are still four other great choices on the market. Always ensure that the plan works for your budget but also covers the main systems and appliances that you are worried about. There is no question that having a home warranty policy in place will make homeownership less stressful. However, making sure you get into the right plan from the start will save you both time and money. 

House Method Home Warranty Ranking 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.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, 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. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies based on the following criteria:

  • Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
  • Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
  • Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
  • Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
  • Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
  • Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
  • Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.

See the best home warranty companies in your state

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Frequently Asked Questions About Colorado Home Warranties

How Much Does A Home Warranty Cost In Colorado?

A Colorado home warranty will cost anywhere from around $40 a month to $80 a month. The higher-priced plans tend to offer more coverage and a lower service fee or deductible. Starting off with a more budget-type plan is a great option for many homeowners. You can always add coverage or upgrade your plan when you see the value in the home warranty. 

What Is Typically Covered Under A Home Warranty?

Typically speaking, a home warranty will cover the systems and appliances in your home. You can ensure that your plan covers everything from the microwave to the sump pump. Add-on coverages typically allow for things like the pool or spa to be added to your policy as well. 

What Is The Best Home Warranty Company In Colorado?

The best home warranty company in Colorado is Choice Home Warranty. With more than a dozen years in the industry and simple plans to choose from, Choice makes this an easy and economical decision. 

Will A Home Warranty Company Cover Replacement Costs?

Most home warranty companies will cover replacement costs. The replacement costs come into play when an appliance or system is beyond repair. The replacement costs will help you towards the purchase of a new unit. Although a home warranty plan will typically not cover the full cost of something new, it certainly helps to reduce the pricing that you pay out of pocket. 

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