A home warranty in Commerce City can help reduce your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
As much as you may enjoy homeownership in Commerce City, there is always that worry about whether or not your systems and appliances are going to need to be replaced over the next few years.
Since the home warranty market is saturated with a lot of providers — all with different coverage — the House Method team did the research for you to help you find the right home warranty in Commerce City.
Finding the best provider for your home warranty is the first step toward protecting your property. Before making your final decision, here are a few other factors to bear in mind:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
Choice Home Warranty is the best overall home warranty in Commerce City. Choice has more than 14 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. If you're looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to choose from.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage caps associated with Choice's plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To read more, visit our detailed review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty for Commerce City residents. With a home warranty from Select, you can benefit from a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easy to comprehend and offer both system and appliance coverage.
Select Home Warranty has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with Select's plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
Read our review of Select Home Warranty to learn more. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
In Commerce City, American Home Shield is the most customizable home warranty. AHS has been in the home warranty industry for over 25 years. AHS has 3 simple plans, making the selection process quick and easy. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Commerce City area.
To read more, visit our full review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
In Commerce City, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty business for about 14 years. HSC offers quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Plus, it also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty company offers 2 plans to policyholders with various system and appliance coverage options.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Commerce City area.
Read more by visiting our review of The Home Service Club. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Commerce City. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and have a mix of both system and appliance coverage.
Liberty Home Guard has 3 plans that offer a combination of system and appliance coverage. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the Commerce City area.
Read our Liberty Home Guard full review to learn more. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Established company with a BBB accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Commerce City. The 2 plans from First American are comprehensive and offer both system and appliance coverage. With a home warranty from First American, you can benefit from very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are a reasonable $85.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. For a more detailed breakdown, read our full review of First American Home Warranty.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
In Commerce City, Cinch Home Services is the home warranty with the best workmanship guarantee. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 policies that Cinch has include options for appliance and system coverage.
Cinch Home Services offers 3 plans for Commerce City homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage limits from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Commerce City area.
To read more, visit our full review of Cinch Home Services. To receive a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in Commerce City
A home warranty is a home protection plan that can help homeowners save money on appliance and system repairs and replacements. Our appliances and home systems are what make living in a Commerce City home comfortable and convenient. When these things start to break down, it can be pricey and a pain. Fortunately, with a home warranty in place, an affordable repair is just a phone call away.
When a covered appliance or system needs to be repaired or replaced, you file a claim with your home warranty service provider. Most companies have an online portal system to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. After that, you will pay the service fee. Service fees for home warranty customers range from $60 to $150. Most home warranty plans also have a coverage cap, which is the maximum cost per appliance that the home warranty company will cover for repairs and replacements.
A home warranty plan will cover systems and appliances that have broken down from normal wear and tear. For instance, if your refrigerator suddenly stops working under normal use conditions, this is a perfect time to call your home warranty provider. The appliances usually covered under a home warranty plan are the refrigerator, washing machine, dryer, microwave, dishwasher, oven, and more. System coverage typically includes heating systems, air conditioning, water heaters, plumbing, electrical systems, and more. You can also opt to pay a bit extra for add-on coverage for items like swimming pools, roof warranty, septic systems, and spas.
A home warranty will only protect against normal wear and tear on your home systems and appliances. Things such as pre-existing conditions, cosmetic damages, misuse, and lack of maintenance are not included in the home warranty policy.
Home warranties are a great way to protect your home systems and appliances from normal wear and tear. With temperatures in Commerce City hitting upward of 63 degrees in the summer, you may find that certain appliances, like your air conditioning system, get a lot of use. A home warranty can remarkably lower your out-of-pocket costs should your HVAC system stop working.
Another added benefit of having a home warranty plan is that it can raise your home's real estate value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new home buyers depending on the company you purchased your home warranty through.
As for the negatives of home warranties, home system and appliance coverage varies by provider so it's important to understand what each plan covers and excludes in the contract. Another possible pain point of home warranties is that they don't cover items that have been improperly maintained. This can lead to your repair requests being rejected, so it's important to carefully follow the manufacturer's guidelines for maintenance of your home systems and appliances.
Whether or not a home warranty is worth it depends on your personal situation. Similar to any other kind of insurance policy or warranty, its purpose is to provide you a sense of protection, so you will have to decide how much that is worth to you.
Hopefully, you now feel like you can select the proper home warranty for your Commerce City home. All of these top providers have impressive experience in the industry and coverage plans. Among them, Choice Home Warranty stands out as the best overall choice. Its comprehensive coverage, affordable pricing, and easy to understand policies make it a great home warranty for Commerce City homeowners.
The top home warranty company in Commerce City is Choice Home Warranty. Choice Home Warranty has a large network of professional contractors and a respected reputation in the Commerce City area.
A home warranty plan protects against the normal wear of home systems and appliances. Homeowners insurance protects your home in case of a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or oven, unless the damage is due to a natural disaster.
A home warranty policy can help investors, homeowners, home sellers, real estate agents, and homebuyers. It can provide peace of mind and savings to anyone involved in homeownership.
The systems and appliances in a home are covered under a home warranty in Commerce City. Everything from a stove to a pool can be covered under a home warranty.
Most home warranties will cover replacement costs in addition to repair costs. How much the home warranty will cover varies from one plan to the next. You can expect that home warranties will give you some money towards a replacement but don't expect to have the entire replacement paid for.
A home warranty plan can cost on average anywhere from around $300 to $800 a year in Commerce City. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, choosing the annual plan over monthly payments saves you $80. The key is to compare plans to determine what you're really getting for the price.