Best Home Warranty Companies in Colorado

By Julie Thompson

With the natural degradation that comes with owning a house, protecting and maintaining your Colorado home can be expensive. In fact, a single HVAC or electrical repair can leave you with thousands of dollars in bills. A home warranty plan can help you cover those expenses. 

With so many options for your home warranty in Colorado, it can be difficult to know which company will best serve you and your family. Our comprehensive guide to home warranties will introduce you to a few of our favorite home warranty companies in Colorado that offer quality policies and great customer service.

Colorado’s top 5 home warranty companies

Editor's Choice

  • 2 plans available + optional add-ons
  • Has over 10 years of industry experience
  • 90-day repair guarantee
  • $36–$44 per month
Most cost-effective plans

  • Provides free roof leak coverage
  • Has optional septic system coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Get 2 extra months free when you sign up today
Best for add-ons

  • 3 plans + optional add-ons
  • Provides customers with one month free of coverage
  • Has a network of more than 10,000 licensed technicians
  • $29–$46 per month
Best HVAC Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $28–$43 per month
Most trustworthy

  • All three available plans are under $60.00 per month
  • Has a 60-day workmanship guarantee on all repairs
  • Offers optional add-ons for up to 20 items
  • Customer service available 24 hours a day, seven days a week

Top home maintenance problems in Colorado

From the Rocky Mountains National Park to the Colorado Springs Pioneer Museum, the Centennial State is packed with both history and natural beauty. While historic neighborhoods might be gorgeous, older homes are more prone to maintenance issues. Let’s take a look at a few common issues Colorado homeowners may face.

  • HVAC system damage: If you’ve ever made it through a Colorado winter, you probably relied heavily on your home’s heating system. The additional stress put on this system during winter months can cause wear and tear that leads to breakdowns. A home warranty will help you repair the system quickly without a thousand-dollar bill.
  • Ductwork damage: Many homes in Colorado have inadequate drainage, which can leak into your ductwork and cause damage. System home warranty policies cover this type of ductwork damage, which isn’t typically covered by homeowners insurance.
  • Sewer damage: If you live in an older neighborhood, your home might have its original clay line. This fragile material can cause damage to your plumbing system if it suffers a breakdown. With a system home warranty, this type of breakdown will be covered.

1. Choice Home Warranty

Choice Home Warranty is one of the country’s top choices for home warranty policies thanks to its easy-to-understand plan options and decade of experience offering policies to customers across the nation.

Choice offers two major policies homeowners can select depending on their budget and desired coverage:

  • Basic Plan: Choice Home Warranty’s Basic Plan covers 14 major home components, including your heating system, electrical system, and dishwasher.
  • Total Plan: The Total Plan is Choice Home Warranty’s more inclusive plan option with coverage for everything in the Basic Plan plus five additional home components.

In addition to each plan option, you can add optional coverage for the following items:

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer

Here’s a price breakdown of what you might expect to pay for each plan:

Plan name Price per month Price per year
Basic Plan $36.17 $434.04
Total Plan $42.50 $510

You’ll also pay an $85 service fee each time you use your plan.

Claim your free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164

2. Select Home Warranty

Select Home Warranty is known for its roof leak coverage and optional septic system coverage, both of which may be useful for Colorado homeowners who experience roof damage from heavy snow or have a septic system because of their rural location.

This home warranty company offers three plans:

  • Bronze Care: The Bronze Care plan is Select Home Warranty’s appliance plan option, offering coverage for eight major home appliances.
  • Gold Care: The Gold Care plan is Select’s option for home systems with coverage for six systems.
  • Platinum Care: The Platinum Care plan is the most inclusive, offering coverage for everything in the Bronze Care and Gold Care packages plus a few additional items.

You can also add optional coverage for the following home components to any plan:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand alone freezer

Here are price estimates for Select Home Warranty’s plans:

Plan name Price per month Price per year
Bronze Care $35.83 $429.96
Gold Care $35.83 $429.96
Platinum Care $37.50 $450

You’ll also pay a $75 service fee directly to the service technician each time you use your plan. 

Claim your free quote from Select Home Warranty by filling out this online form or calling 888-370-3953

3. Amazon Home Warranty

Amazon Home Warranty is known for its long list of optional add-ons. The company offers some of the most unique add-on coverages we’ve seen for items like a wine refrigerator, second washer and dryer set, and more. 

Amazon Home Warranty currently offers three plan choices:

  • Appliances Plan: The Appliances Plan offers coverage for eight appliances, including your stovetop and dishwasher.
  • Systems Plan: The Systems Plan includes coverage for six major home systems plus a jetted bathtub and garage door opener.
  • Combo Plan: The Combo Plan includes all coverages that come with both the Appliances and Systems Plans plus a few additional coverages.

You can also add coverage for the following items to any of the three plans:

  • Pool
  • Spa
  • Additional central air conditioning system
  • Additional central heating
  • Central vac
  • Lawn sprinkler system
  • Well pump
  • Septic system
  • Wine refrigerator
  • Whole house humidifier
  • Septic tank pumping
  • Stand alone freezer
  • Additional fridge
  • Sump pump
  • Water softener
  • Limited roof leak
  • Extra hot water heater
  • Ice-maker
  • Extra oven
  • Additional washer and dryer
  • Additional dishwasher
  • Additional microwave
  • Duplex

Take a look at how much Amazon Home Warranty costs per year:

Plan name Price per year
Appliances Plan $479
Systems Plan $479
Combo Plan $579

The service fee with Amazon is $75 per service request.

Claim your free quote from Amazon Home Warranty by filling out this online form or calling 866-605-8194.

4. First American Home Warranty

With over 36 years of experience and over 590,000 customers, First American Home Warranty is one of the country’s most established home warranty companies. The company is also known for its First Class Upgrade, which covers improperly installed or maintained items, among other things.

First American Home Warranty currently offers two plans:

  • Basic Plan: The Basic Plan includes coverage for nine essential home appliances, including your refrigerator and trash compactor.
  • Premier Plan: The Premier Plan includes coverage for all appliances in the Basic Plan plus eight home systems.

You also have these add-on options:

  • Central air conditioning systems
  • Second refrigeration units
  • Pool and spa equipment
  • Well pumps
  • First Class Upgrade, which includes coverage for improper installations, building permits, and more

Here’s what you can expect to pay for your plan:

Plan name Price per month Price per year
Basic Plan $28 $336
Premier Plan $42.50 $510

You’ll also pay a $75 service call fee each time you use your home warranty coverage.

Claim your free quote from First American Home Warranty by filling out this online form or calling 833-204-7164.

5. Liberty Home Guard

Though Liberty Home Guard doesn’t have as many years of experience as its competitors, it has already made a name for itself with high customer ratings on its Better Business Bureau profile and affordable plan options.

Liberty Home Guard currently offers three plan options for homeowners in Colorado:

  • Appliance Guard: The Appliance Guard plan offers coverage for nine home appliances, including your clothing dryer and kitchen refrigerator.
  • System Guard: The System Guard plan protects you against damage to six home systems, like your water heater and air conditioning system.  
  • Total Home Guard: Liberty Home Guard’s most inclusive plan is Total Home Guard, which includes all the coverages in both the Appliance Guard plan and the System Guard plan at one low price.

You can also add these coverages to your plan:

  • Ejector pump
  • Grinder pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Central vacuum
  • Stand alone freezer
  • Re-key
  • Second refrigerator
  • Well pump
  • Sump pump
  • Fixtures
  • Water softener
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Pool and spa
  • Additional spa
  • Gutter cleaning
  • Floor/carpet cleaning

Here’s a cost breakdown of what you might pay if you choose Liberty Home Guard:

Plan name Price per month Price per year
Appliance Guard $40 $480
System Guard $50 $600
Total Home Guard $60 $720

You’ll also pay a $60 service fee each time you use your plan.

Claim your free quote from Liberty Home Guard by filling out this online form or calling 866-451-2281.

Colorado home warranty buying guide

There are dozens of companies offering home warranty plans in Colorado. The best plan for your needs will vary depending on your situation as a homeowner. Some plan details you might want to consider before you invest in a policy include:

  • Price: One of the first factors you should consider when shopping for a home warranty is price. Be sure that you’re looking at both your monthly fee and your service fee options before you sign on to get a holistic picture of what you will be expected to pay.
  • Septic system coverage: Since a portion of Colorado is rural or in the mountains, your home might use a septic system instead of a city sewage system. Though most home warranties don’t offer coverage for septic systems in base plans, there are companies that have septic coverage as an optional add-on.
  • Plan options: Not every home warranty covers every appliance and system. Before you start shopping for a plan, make a list of all the appliances and systems you need coverage for. Then, search for plans that cover only the items you need to save money. 

Our conclusion

We compared availability, plan options, price, customer reviews, and more when compiling our list of the top home warranty providers in Colorado. However, the best way to find the perfect plan for you will be to collect quotes from a few of these providers before you make your final decision. 

Frequently asked questions about Colorado home warranties

How do home warranties work?

After signing onto a home warranty policy, you’ll pay a monthly or annual premium to your provider. If one of your covered systems or appliances breaks down, you’ll call your home warranty provider, who will set you up with a service contractor to perform a repair in exchange for a small service fee.

How much does a home warranty in Colorado cost?

You can expect to pay between $288 and $783 per year for a basic plan in Colorado. However, rates may increase as you add optional coverages to your policy.

Who needs a home warranty?

Though any homeowner can benefit from a home warranty, homeowners who have older systems and appliances that are prone to breakdowns or homeowners who don’t have enough in savings to pay for expensive repairs could save thousands of dollars with a plan.

See the best home warranty companies in your state

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