Best Home Warranty Companies in Colorado (2022)

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. Narrowing down the best home warranty companies on the market can take some time and research.

In our guide featuring the best home warranty companies in Colorado, we will give you information on:

  • How to choose the best home warranty in CO
  • Why do Colorado homeowners need a home warranty 
  • What the best companies in Colorado are for home warranties 
  • Top home maintenance problems for Colorado residents
  • and much more . . .

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.  If you don’t have that time and want an expert opinion, keep on reading. 

Top 5 Best Home Warranty Companies in Colorado

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. Select Home Warranty (Most Cost-Effective Plans)
  3. American Home Shield (Best Customizable Plans)
  4. The Home Service Club (Quickest Service)
  5. Liberty Home Guard (Most Trustworthy)

Compare the Best Home Warranty Companies in Colorado  

Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty Choice Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
Select Home Warranty Select  Most Cost-Effective Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 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
The Home Service Club HSC Quickest Service Standard Coverage: $50/month

Comprehensive Coverage: $63/month

$75 13 N/A
Liberty Home Guard LHG Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A

1. Choice Home Warranty 

Choice Home Warranty is the best overall home warranty in the state of Colorado. Choice Home Warranty 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. Choice Home Warranty’s plans are offered throughout the United States, and the company is known for being one of the most reliable and impressive home warranty providers on the market. 

Pros Cons
Very straightforward service contract Plans are not customizable 
Responsive customer service
Plan choices have both systems and appliances
High coverage caps 
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

Plans, Cost & Coverage

Choice Home Warranty offers two plans for Colorado homeowners. With the Basic Plan from Choice Home Warranty, you will get a mix of system and appliance coverage for a very fair price of just $42 per month. Choice Home Warranty’s coverage caps are typically around $3000 for most of the covered systems and appliances. Choice Home Warranty’s policies are considered well-priced plans, below the industry average. The service call fee for any plan is $85, and it is not adjustable. 

Here’s a detailed look at Choice Home Warranty’s coverage: 

  • Basic Plan ($42 per month): The most cost effective plan from Choice Home Warranty is the Basic Plan. This home warranty plan covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. The only issue with this plan is that a few important coverages are left out. 
  • Total Plan ($53.33 per month): The Total Plan covers all 13 items in the Basic Plan with an additional four items. These items are the clothes washer, dryer, refrigerator, and air conditioner coverage. For a few extra dollars per month and better coverage, it makes sense to choose this as your home warranty plan. 
  • Add On Options: Choice Home warranty offers a good range of add on options; there are nine in total. These include roof leak, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer. Optional coverage can get expensive when you add on things like pool and spa to the monthly premium cost of a policy. Take advantage of the incentives offered by Choice to save money initially. 
Plan name Price per month Price per year Service fee
Basic Plan $45 $560 $85
Total Plan $53.33 $660 $85

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. Select Home Warranty 

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 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.

Pros Cons
Very fair pricing Lower coverage caps on some appliances and systems 
Free roof leak coverage
High-quality workmanship 
Close to ten years in the industry 
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

Plans, Cost & Coverage

Select Home Warranty has three plan options for Colorado homeowners. All three of these home warranty plans are priced well with great coverage, especially for a new homeowner. The coverage caps from Select Home Warranty are slightly lower than they are from other companies, ranging from around $500 to $1500. The Platinum Care Plan costs $57 per month, and it is the best overall option from Select Home Warranty. The service fee from Select Home Warranty is one of the lowest on the market at $60. 

Here’s a detailed look at Select Home Warranty’s coverage: 

  • Bronze Care ($52 per month): The Bronze Care plan covers seven major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, garbage disposals, and cooktops. 
  • Gold Care ($52 per month): The Gold Care plan is a systems-only plan from Select. This plan covers six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. The systems covered under this plan are expensive to repair, making this a smart policy to invest in to save money in the long-run.
  • Platinum Care ($57 per month): The Platinum Care Plan is clearly the best value for a home warranty in Colorado. This plan has more than 20 covered items, and it is priced at just a few dollars more per month than the Gold Care or Bronze Care plan. If you are looking for a home warranty with the best overall value, this is where you will find it. 
  • Add on Options: There are several optional add-ons, including central vacuums, lawn sprinkler systems, pools, spas, stand-alone freezers, sump pumps, and well pumps. All Select Home Warranty plans throw in free roof leak coverage as well.
Plan name Price per month Price per year Service fee
Gold Care $52.00 $579.99 $60
Bronze Care $52.00 $579.99 $60
Platinum Care $58.00 $649.99 $60

To get a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.

For more information, read our Select Home Warranty Review.

3. American Home Shield 

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. 

Pros Cons
More than 50 years in the industry  Higher pricing 
Customization of plans and pricing
Unique coverage options 
High claim payout rates 
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

Plans, Cost & Coverage

There are three home warranty plans from American Home Shield, ShieldSilver, ShieldGold, and ShieldPlatinum. American Home Shield is, without a doubt, considered the most premium home warranty company on the market. With an American Home Shield home warranty, you can expect coverage caps around $2500 and the ability to pick and choose coverages that suit the needs of your home. American Home Shield has a customizable service fee that will range in price from $75 to $125. The higher the service fee, the lower your monthly premium will be.

Here’s a detailed look at American Home Shield’s coverage: 

  • ShieldSilver™ ($39.99 per month): For homeowners on a budget, ShieldSilver will be the most affordable AHS plan. This plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener,  heating system, plumbing, and ductwork. 
  • ShieldGold™ ($49.99 per month): ShieldGold is one of the most popular home warranty plan options for Colorado homeowners. This plan covers 23 home systems and appliances, including many offered on the ShieldSilver plan plus clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. ShieldGold is a good mix of value and coverage. 
  • ShieldPlatinum™ ($64.99  per month): ShieldPlatinum has 27 systems and appliances. With the ShieldPlatinum plan, you will get a large number of covered items for a very fair price and even benefit from things like higher coverage caps. 
  • Add-On Options: The add-on coverages from AHS include septic system, pool and spa, PC, TV, and well pump coverage. The coverages start at around $5.00 per month and increase from there. Spa coverage is a popular one for Colorado homeowners. 
Plan name Price per month Price per year Service fee
ShieldSilver $39.99 $479.88 $100
ShieldGold $49.99 $599.88 $100
ShieldPlatinum $64.99 $779.88 $100

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

For more information, read our American Home Shield Warranty Review.

4. The Home Service Club

The Home Service Club (HSC) offers the quickest coverage for a Colorado home warranty. Just ten days after paying for your home warranty from HSC, your coverage will begin. Most home warranty companies require a 30-day wait period before coverage can begin. The Home Service Club was founded in 2008 and had coverage in all 50 states. When you sign up with The Home Service Club, you will not need an inspection to get your plan started. This makes the The Home Service Club home warranty a great option for a new Colorado homeowner. This plan protects you from the unexpected faster than any other. 

Pros Cons
Policy starts in ten days No basic or cheap plan option
Both plans offer comprehensive coverage
Strong customer service
More than 13 years in the industry
Quickest service

  • Offers 2 plans + optional add-ons for over 10 items
  • Covers items regardless of their age, make, or model
  • Provides high coverage caps on essential systems and appliances
  • Has real estate home warranty plans

Plans, Cost & Coverage

There are two home warranty plans from The Home Service Club, the Standard Coverage plan and the Comprehensive Coverage plan. With the Comprehensive Coverage plan, you will have 33 covered items; this is more extensive than most other home warranty policies on the market. The coverage caps from The Home Service Club range from $500 to $2000, making this one of the better values on the market. You will also enjoy the number of add on options that this home warranty plan can provide. 

Here’s a detailed look at Home Service Club’s coverage: 

  • Standard Coverage ($50 per month): The Standard Coverage plan is considered the value plan from The Home Service Club. With the Standard Coverage plan, there are 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage plan has fifteen more covered items than Standard Coverage. These additional items include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. Most comprehensive or combo plans have around 20 covered items; at 33, The Home Service Club’s Comprehensive Coverage plan can give homeowners true peace of mind. 
  • Add-On Options: The Home Service Club offers 12 additional or add-on coverages. Some of the most popular add-ons are the well pump, service line, plumbing sprinkler, spa and spa heater, free-standing freezer, water softener, and more. 
Plan name Price per month Price per year Service fee
Standard Plan $50 $600 $95
Comprehensive Plan $63 $756 $95

To get a free quote from Home Service Club, fill out this online form.

For more information, read our Home Service Club Review. 

5. Liberty Home Guard 

Liberty Home Guard is the most trustworthy home warranty on the market. Earning the name of the most trustworthy home warranty after just three 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 a little over three years, Liberty Home Guard has also managed to get a BBB rating of an A. Overall, you will find that Liberty Home Guard is easy to work with and has modern customer service systems in place to get you the quick attention you need.

Pros Cons
A rating with the BBB Add on options can get expensive 
Fast customer service response times
Easy to submit claims
60-day workmanship guarantee
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

Plans, Cost & Coverage

The three plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. The Total Home Guard plan is the most popular Liberty Home Guard plan for Colorado homeowners because of the combination of system and appliance coverage. The coverage caps from Liberty Home Guard are about average, with most of them being around $1500. A key highlight of Liberty Home Guard is the long list of optional coverages that are offered for an additional cost; there are 20+ additional items offered. The service fee from Liberty Home Guard is $75. 

Here’s a detailed look at Liberty Home Guard’s coverage: 

  • Appliance Guard ($64.99 per month): Appliance Guard will cover 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. This is a great starter plan that is slightly more affordable than some others on the market. 
  • Systems Guard ($69.99 per month): With Systems Guard, there are nine systems included. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. 
  • Total Home Guard ($74.99 per month): Total Home Guard is the comprehensive plan from LHG and the most popular. The Total Home Guard plan covers a total of 20 home systems and appliances. When looking for the best value, the Total Home Guard plan stands out as the best plan from LHG. 
  • Optional add-ons:  Liberty Home Guard has the best add-on coverage on the market. Some of the coverages include gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and wine refrigerator. There are more than 20 optional coverages as part of the Liberty Home Guard home warranty. These coverages will range in price from around $3.00 per month up to $30.00 per month.  When you add a bunch of add-on coverages, the price of the plan will increase greatly. 
Plan name Price per month Price per year Service fee
Appliance Guard $64.99 $649.99 $75
Systems Guard $69.99 $699.99 $75
Total Home Guard $74.99 $749.99 $75

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

Read our Liberty Home Guard review for more information.

How to Find the Best Home Warranty in Colorado

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. 

Watch Out for Low Coverage Caps

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. 

Beware of Coverage 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. 

Consider the 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. 

What is a Home Warranty and How Does it Work?

A home warranty is a protection plan for your home systems and appliances. With a home warranty in place, you can protect your budget and your savings account from big expenses that come up as a result of your home appliances and systems breaking down. A home warranty service provider will offer coverage for a select number of systems and appliances. Most home warranty plans will take effect about 30 days after paying for the home warranty policy. 

For Colorado homeowners, when an issue comes up with a covered appliance or system, it is very easy to file a claim. Most home warranty providers have an online portal system where a claim can be submitted. The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home. This repair will typically occur within 24 to 72 hours and should only cost a homeowner the price of the service fee. Most service fees range in price from around $60 to $150. 

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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How Much Does a Home Warranty Cost? 

A home warranty plan is typically priced between $45 and $65 a month. The average annual costs will be anywhere from $480 to $780 a year. There are three things that Colorado homeowners need to look at when considering a policy are the monthly fees, service fees, and coverage caps. All home warranty providers have service fees that will range from $60 to $150, with an average of around $85. Coverage caps can be as low as $100 and as high as $6000. Most of the time, you will want coverage caps around $2000 to make the monthly payment affordable. 

What Does a Colorado Home Warranty Cover?

A home warranty plan offers coverage on your home’s major appliances and systems. Coverage from a home warranty plan will be limited to appliances, systems, and then some add-on coverage options. The appliances typically covered under a home warranty plan are the washing machine, dryer, oven, refrigerator, dishwasher, microwave, and more. System coverage typically includes heating systems, plumbing, water heaters, air conditioning, electrical systems, and more. The add on coverages can include pool, spa, roof leak, septic system, and sometimes even things like locksmith or pest control. 

Colorado homeowners should know that a home warranty plan is in place just to protect against normal wear. Home warranties do not cover things like cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You must keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered. 

See the best home warranty companies in your state

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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.

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. 

Additional Colorado Home Warranty Resources

Home Warranty

5 Best Home Warranty Companies for Pool Coverage (2022)

Owning a pool can be fun, but when issues occur, you could be left footing the bill. Here’s the scoop on pool warranties to see if they’re right for you.

Exterior of small American house with blue paint and red entrance door. Northwest, USA
Costs and Coverage

Best 4 Home Warranty Companies for Rental Properties (2022)

Are you a landlord? Use our guide to find the best home warranty for your rental property that will save you thousands in home repairs and maintenance.

Home Warranty

5 Best Home Warranty Companies for Condos (2022)

The major appliances and systems in your condo need protection just like they would in any other home. Read our guide to find the best home warranty for condos.

Costs and Coverage

5 Best Home Warranty Companies for HVAC Coverage (2022)

HVAC systems are arguably the home's most important system to keep functioning. Find the best HVAC warranty on the market to protect yours from wear and tear.

Home Warranty

5 Best Home Warranty Companies for Septic Systems (2022)

If you're looking for a septic warranty, read this review to learn about coverage and costs.

Home Warranty

The 5 Best Home Appliance Insurance Companies (2022)

Home appliance insurance, also known as a home warranty, protects you from paying expensive repair and replacement costs on major systems and appliances. Here’s everything you need to know about home appliance insurance.

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