By Dan Simms
Updated Jan 10, 2023
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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.
More specifically, Colorado homeowners often need coverage for heating system repair and maintenance, given how overworked the system can be in the long, frigid winters. Similarly, water heaters experience a ton of wear in the colder months in CO and can break down more easily than in warmer areas. The high elevation in Colorado can also cause more plumbing blockages, so home warranties that include coverage for these routine plumbing visits are popular in that area. We consider these local needs and more in our review to ensure you get the best home warranty for your purposes.
Why Trust House Method
House Method’s Experts collected and analyzed 2000+ critical data points to identify what makes a great home warranty company in the eye of the consumer. Our reviews team used this data to assess over 60 home warranty providers for coverage extent, annual cost, and national availability to provide unbiased reviews so homeowners can confidently navigate key decisions about their homes.
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.
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:
In addition to the base plans available, Choice Home Warranty offers the following add-on services, which you can use to customize your plan a bit:
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.
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.
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:
Like many other home warranty companies, Select Home Warranty offers quite a few add-on products for customized coverage. These include:
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.
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.
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:
AHS offers a handful of add-on options as well, including:
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.
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 Home Service Club home warranty a great option for a new Colorado homeowner. This plan protects you from the unexpected faster than any other.
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 The Home Service Club’s coverage:
The Home Service Club offers 12 additional or add-on coverages. Some of the most popular add-ons are:
To get a free quote from The Home Service Club, fill out this online form.
For more information, read our The Home Service Club Review.
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.
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:
Liberty Home Guard excels in the number of add-on services it offers, so it’s one of the best home warranty companies for customization. The add-ons include:
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.
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, 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.
The table below provides a quick look at some average home warranty prices based on the type of home you have.
|Home Over 5,000 sq ft||$1,294.73|
|Home Under 5,000 sq ft||$844.19|
|Home Warranty Company||Choice Home Warranty||Select Home Warranty||American Home Shield||The Home Service Club||Liberty Home Guard|
|Best For||Best Overall||Most Cost-Effective Plans||Best Customization Options||Fastest Service||Most Trustworthy|
|Average Cost||$50 per month||$60 per month||$45 per month||$56 per month||$70 per month|
|Annual Limit||$3,000||$2,000||$3,000 to unlimited||$350-$2,000||$2,000-$2,500|
|Average Response Time||Up to 48 hours||Up to 48 hours||Up to 48 hours||Within 24 hours||Within 24 hours|
|State Availability||49 States||46 States||49 States||50 States||48 States|
|Online Chat / Mobile App||No||No||No||No||Online Chat|
|Quote||Get Quote||Get Quote||Get Quote||Get Quote||Get Quote|
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 major home 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.
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.
In addition to the general things you should consider above, there are some specific coverage options you might want to make sure you take advantage of living in Colorado. For example, Colorado homeowners are well-acquainted with the long, cold winters. Temperatures average below freezing from November through March and can still be in the 50s in the middle of the summer. The frigid weather puts a ton of strain on your heating system and water heater, so most Colorado residents seek out home warranties that cover these items.
As mentioned above, the high altitude in Colorado can take a toll on your home’s plumbing. The average height above sea level in CO is 6,800 feet. At this altitude, waste pipes can get clogged more easily, leading to frequent plumbing blockages. If you live in a populated area like Denver, clogs can be even more prevalent. As such, it’s a good idea to get a home warranty that has an add-on option for plumbing stoppages, which often isn’t included in general plumbing system coverage.
Finally, many Colorado homeowners have spas to stay warm and enjoy the outdoors even in the dead of winter. Pool and spa coverage is often not covered in home warranty plans, but you might want to consider choosing a plan with spa coverage as an add-on. These fixtures are likely to be put under a lot of stress in the cold Colorado winter, and breakdowns can be quite costly.
A home warranty is a protection plan for your major 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.
It’s important to note that home warranties almost always require you to pay a service fee for each claim you make under the warranty. Additionally, home warranties have coverage caps that prevent the cost of repairs from getting too high, so there is a hard limit to coverage in most cases.
Many homeowners think of a home warranty as a home insurance policy for the items that home insurance doesn’t cover. While this can help conceptualize what a warranty is, there are quite a few important differences to note.
Most important is the difference between when the coverage kicks in. For home insurance, you typically need some type of catastrophe to occur before you’ll get coverage. A fire, major flood, fallen tree, earthquake, or another natural disaster would be required to get covered. With a home warranty, you get coverage much more easily. Home warranty coverage can kick in when an appliance simply stops working, or your plumbing system gets clogged.
Another important difference related to the first is what is covered. Home insurance covers your house as a whole, while a home warranty covers individual systems and appliances. Homeowners insurance requires some large-scale damage to your home, whereas a home warranty can provide financial assistance for regular maintenance of individual home systems and kitchen appliances.
Finally, the amount you’re expected to pay to cover a portion of the issue that arises is another difference between the two. Homeowners insurance usually requires that you pay a deductible, which is often several thousands of dollars you pay before insurance kicks in. With a home warranty, the only out-of-pocket cost you’ll typically have is the service fee, which averages around $85 per claim.
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Obtaining a home warranty and the associated coverage is simple. You find the home warranty company that works for you, you choose the plan and optional add-ons you want, pay for your plan, and then wait for coverage to kick in. The coverage will typically begin 30 to 90 days after you choose your plan.
For Colorado homeowners, when an issue comes up with a covered appliance or system, it is very easy to file a claim. The process is as follows:
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.
Most homeowners in Colorado are pleased with their home warranty and find that the coverage is well worth the price. However, there are some negative reviews for different companies online, which include some common complaints.
First, we see numerous homeowners complaining that their out-of-pocket costs for a repair or replacement are higher than the service fee. It’s important to remember that most home warranties have coverage caps per item and annual coverage caps. If a coverage cap for a fridge replacement is $2,000 and your new fridge costs $3,000, you’ll be paying the service fee plus the $1,000 difference.
Another complaint we see frequently is that companies deny service for unexplained reasons or with unreasonable cause. Home warranty companies lose money every time you file a claim and get service. There are some home warranty companies out there that will attempt to deny claims to save money and defend the denial using service contract stipulations. It’s important to choose a reputable home warranty company like the five we’ve reviewed here to avoid issues like this.
Home warranties are almost always worth the investment. On average, the home warranty cost you’ll pay is around $680 per year plus an $85 service fee per claim. However, they can save you far more than that if you use the plan to repair and maintain your home appropriately.
If you’ve lived in your home for some time, you’ve probably experienced some unexpected repair charges for things like your plumbing system, electrical system, heating equipment, and appliances. A standard plumber or electrician visit can total over $300, while heating equipment service averages around $400. A major home appliance repair can total several hundreds of dollars as well. If any of these systems need major repairs or a full replacement, you could be looking at thousands of dollars in unexpected charges.
You can quickly see the potential value of a home warranty if you consider that, without one, all of these charges will be out-of-pocket. If you have a good home warranty, you’ll only ever pay an average of $85 for these otherwise expensive repairs.
While paying $680 or more for a home warranty every year might seem like a lot, it can save you thousands of dollars in home repairs. Plus, it gives you peace of mind and helps you budget more accurately without having to worry about unexpected out-of-pocket costs for home improvement.
Just about any homeowner can benefit from a home warranty. Home systems and appliances routinely run into problems from constant use, and a home warranty will keep you protected from related maintenance charges that can be quite expensive.
However, home warranties are especially useful for first-time homebuyers who are purchasing a new home of unknown quality and who don’t know what signs of issues to look for. They’re also helpful for sellers in the real estate market, as repairs can sometimes be required before closing and are covered by home warranties. They’re also useful for homeowners who live in homes older than 40 years, as this is when systems often start showing their age.
A service fee is a payment you make upfront when you file a claim with your home warranty company. The fee averages around $85 but can range from $60 to $150, depending on your home warranty plan. You can think of the service call fee as a deductible, but it’s much less than a deductible you’d pay if you filed an insurance claim.
Most home warranties either cover home systems, home appliances, or both. A systems plan or comprehensive plan that covers systems and appliances will most often include coverage for HVAC systems. In some cases, though, HVAC coverage is an add-on service. You should check the service contract and the coverage caps of the plan you’re considering to ensure HVAC systems are covered. This is especially important in Colorado, where your HVAC system will be under constant strain from the cold weather.
At House Method, transparency and trust are our most important values for the reader. 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.
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 ensure no detail was left out.
To make the most of our research, we developed an objective rating system to score each home warranty company based on the following criteria:
Additional Colorado Home Warranty Resources