Best Home Warranty Companies in Colorado

By: Julie Thompson

Taking care of your home is a wise investment since real estate generally increases in value. To maintain your home, you’ll need to repair and replace your home’s systems and appliances on a routine basis. A general rule is annually saving 1% of your home’s value toward home maintenance. For example, if your home was purchased for $400,000 (the median single-family home price in Colorado), you would set aside $4,000 per year to allow for routine repairs.

You might think that $4,000 seems like a lot of money combined with your mortgage, homeowner’s insurance, and real estate taxes. However, the estimated average yearly cost to maintain a home in Colorado is just over $16,000. (This study assumes that all repair, maintenance, cleaning, and similar work are outsourced.)

Luckily, you have other options. You could purchase a home warranty that averages much less than one percent of your home’s value. Choosing a home warranty will ensure your home is maintained without breaking the bank.

Not only can home warranties cover your major systems and appliances, they can cover luxury items you may own, such as a home spa or extra refrigerator. The following factors should be considered when purchasing an annual home warranty contract: age, condition, location, and climate.

Keep reading to learn about the best home warranty companies in the state, common home maintenance issues faced by Colorado homeowners, and how to choose the best home warranty for you and your home.

Colorado’s best home warranties

  • Roof leak coverage
  • Long guarantee on replacement parts
  • Affordable monthly rate

  • $2 billion in home warranty claims paid since 2014
  • 45 years of experience
  • Online service request available

  • 10 years of service
  • 2019 Best in Service Award
  • Home care advice for homeowners

  • Wide contractor network
  • Unlimited service calls to customer service—no limit to the number of claims you can submit
  • 30 years of experience

  • 24/7 claims hotline (365 days a year) or file claim online
  • Coverage begins 30 days after receipt of the first payment
  • No fee to transfer a policy

Colorado is bordered by seven U.S. states, including Wyoming, Nebraska, Kansas, Oklahoma, New Mexico, Utah, and Arizona. It’s nicknamed the Centennial State after becoming a state 100 years after the signing of the Declaration of Independence.

Colorado is one of three states that has boundary lines that are completely straight and ignore natural features. It has a variety of geographical features, including alpine mountains, deserts with hilly dunes, high plains, and deep canyons. In fact, it houses the majority of the southern Rocky Mountains.

Because of Colorado’s diverse landscape, the southern part of the state is not always warmer than the northern half. Additionally, Colorado’s unique weather patterns with heavy rainfall and wildfires increase the possibility of landslides and flooding.

Top home maintenance problems in Colorado

There a quite a few maintenance issues regarding Colorado homes. The following are a few of the most common.

T-Lock roofs

This type of special roofing was designed to withstand high winds. Unfortunately, T-Lock shingles are no longer available which means if you purchase a home with an old T-Lock roof, you’re looking at a considerable cost to replace the entire structure.

Here are six of the best roofing materials ranked by durability and cost.

PB piping

Polybutylene (PB) piping was heavily used in the late 1900s until it was discovered that chlorinated water was reacting to the piping and causing flaking, fractures, and leaks. PB piping will eventually leak and many homeowners don’t know they have the piping until a leak occurs. If PB piping is found, it must be replaced with an up-to-date piping system.

Grow houses

With the legalization of marijuana in Colorado, grow houses are becoming more common throughout the state. They can be spotted by an unusually high electric bill, signs of water damage, mold, re-routed water lines, or ventilation holes in the ceiling. The high humidity in these homes can cause structural damage, as well as mold, electrical, and plumbing issues.

Basements

It’s common in Colorado to have a basement. Unfortunately, improper grading around the foundation can lead to water damage and structural issues. Consider waterproofing your basement and removing any standing water in your yard to help prevent leaks and extensive water damage.

Who is eligible for a home warranty in Colorado?

All homeowners are eligible for a home warranty plan in Colorado. Homeowners can obtain a home warranty plan on their own accord or receive one as part of their contract when purchasing a home. If you can’t afford a home warranty, Colorado provides home repair assistance for those who cannot afford to maintain their residence. These programs are offered statewide and are generally reserved for low-income families.

What is covered under a Colorado home warranty?

Our top five home warranty companies all offer combination plans that cover your home’s systems and appliances. Although similar, each company has its list of custom coverage. 

Before purchasing an annual home warranty contract, double-check that all of your critical home systems and appliances are covered. If they aren’t covered in a basic or combination plan, talk with a customer service representative to see if it can be added for an additional fee. The warranty company should be able to tell you if there are any individual add-on costs, as well as how much the plan will cost annually.

Choice Home Warranty (Total Plan)

  • Air conditioning system
  • Heating system
  • Electrical system
  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Refrigerator
  • Oven/Range/Stove
  • Cooktop
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Clothes washer
  • Clothes dryer
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans

Choice Home Warranty ranks high in customer satisfaction. It provides home warranty service contracts for single-family homes, multiple units, condos, and even mobile and manufactured homes. CHW provides service on properly maintained home systems and appliances, regardless of age, make or model, including substantial major systems such as heating and central air conditioning units. Pre-existing conditions are not covered.

American Home Shield (Combo Plan)

  • Refrigerators
  • Dishwashers
  • Clothes Washers
  • Ranges/Ovens/Cooktops
  • Clothes dryers
  • Built-in microwaves
  • Free-standing ice makers
  • Garage door openers
  • Trash compactors
  • Heating with ductwork
  • Electrical
  • Water heaters
  • Garbage disposals
  • Air conditioning
  • Ceiling fans
  • Doorbells

American Home Shield allows for customizable home warranty plans, which is beneficial for those who want to cover only certain appliances in their home.

The Home Service Club (Comprehensive Plan)

  • Refrigerators
  • Ovens/Ranges/Cooktops
  • Dishwasher
  • Clothes washer
  • Clothes dryer
  • Freestanding ice makers
  • Built-in microwave oven
  • Trash compactor
  • Food centers (built-in)
  • Air conditioner
  • Heating systems
  • Electrical systems
  • Water heater
  • Plumbing systems
  • Garbage disposal
  • Garage door opener
  • Ceiling fans
  • Central vacuum
  • Plumbing stoppage
  • Ductwork
  • Gas leaks
  • Pest control
  • Whirlpool coverage
  • Alarm warning
  • Telephone wiring
  • Smoke detectors
  • Exhaust/Attic fans
  • Sump pump
  • Doorbells
  • Hot water pump
  • Hot/Cold water dispenser

The Home Service Club is best suited for new home buyers.

America’s 1st Choice Home Club (Platinum)

  • Air Conditioning/Cooler
  • Heating systems
  • Water heater
  • Electrical system
  • Plumbing system
  • Plumbing stoppages
  • Ductwork
  • Clothes dryer
  • Clothes washer
  • Kitchen refrigerator
  • Ice maker
  • Oven
  • Range
  • Stove/Cooktop
  • Dishwasher
  • Garbage disposal
  • Garage door opener
  • Built-in microwave

America’s 1st Choice Home Club allows you to choose the technician that you are comfortable with. This is a huge advantage over other plans if you are familiar with a licensed repairman. Unlike general vetted lists, you won’t have to worry about the repair quality you receive.

Total Home Protection (Platinum)

  • Air conditioning system (2 units)
  • Heating system (2 units)
  • Refrigerator
  • Clothes washer
  • Clothes dryer
  • Plumbing system
  • Plumbing stoppage
  • Water heater
  • Whirlpool bathtub
  • Electrical system
  • Oven/Range/Stove
  • Cooktop
  • Sump pump (permanently installed)
  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Trash compactor
  • Ductwork
  • Garage door opener
  • Ceiling and exhaust fans

Total Home Protection is Consumer Affairs Accredited and has plans that start at just $1 per day.

How much does a home warranty cost in Colorado?

A basic home warranty plan in Denver, Colorado, averages between $288–$783 with a median cost of $557.

How does a home warranty work in Colorado?

When a home system or appliance that’s covered by your home warranty breaks down, your first call should be to the warranty company. While all of them have a phone number to call, some have online forms.

  1. Your home warranty company will assign you a licensed contractor from their trusted network.
  2. The licensed contractor will contact you directly to set up a service appointment during normal business hours.
  3. At your appointment, the licensed contractor will diagnose your covered system or appliance. They will reach out to the home warranty company to confirm coverage and then repair or replace it as necessary.
  4. After service is complete, you’ll need to pay the trade service call fee. This fee is paid per visit to a licensed contractor.
  5. All replacement costs (minus the service fee if applicable) should be covered under your policy. A home warranty representative will reach out after the repair is completed to ensure you’re happy with the results.

Home warranty regulations and restrictions in Colorado

In 2016, Colorado revised its statutes regarding pre-owned housing home warranty service contracts. According to the law, every Colorado home warranty service contract must state the following information:

  • List of coverage exclusions
  • List of other coverage limitations including the exclusion of pre-existing conditions
  • A detailed procedure of how to obtain service calls for repairs or replacements
  • A statement that notes the time frame in which repairs or replacements will be completed after the warranty company has been initially contacted
  • Start date and end date of the home warranty service contract
  • State if the contract is transferable (if the house is sold for example)

Click here for more information about Colorado’s home warranty contract laws.

Is a home warranty in Colorado necessary?

While it’s not required to have a home warranty in Colorado, homeowners prefer the low cost and convenience a home warranty brings. If you prefer to maintain your home by hiring licensed contractors to do the work for you, or have an older home that requires moderate to major repairs, a home warranty can reduce your overall costs.

Buying a home warranty in Colorado

Before buying a home warranty, there are several things you should take into account including cost, service fees, what a home warranty covers, and the type of plan. You should also consider the type of residence (single-family or multi-family), when you’ll take possession of the property, and the size of the property that you are requesting coverage for (the cost of the plan can increase as square footage increases).

Cost

Begin by calculating the cost to maintain covered systems. You may be interested in an upgraded plan if you have multiple appliances, a swimming pool, etc.

Trusted referrals

Talk with people you trust that currently have a home warranty to see which company they chose and if they would recommend them. Once you have a list compiled, research each company online. Look for reviews and research their contract policies and Better Business Bureau (BBB) rating.

Free quote

With your narrowed-down list, apply for a free quote online or give the home warranty company a call. Sometimes calling a home warranty company can be beneficial since talking with a customer service representative may allow you to learn about discounts (such as a realtor discount) that may not be advertised online.

Compare quotes from each company by taking note of what is covered and the amount of the annual fee, deductible, and any service fees.

Type of plan

Choose a policy that fits your needs. Do you need a policy for your home systems, your appliances, or a comprehensive plan that covers both? There’s often a cost for a base plan and then an additional cost for add-ons.

Decide if you want a comprehensive plan or a lower annual premium with less coverage. Consider the age and wear on your home systems and appliances when making your determination. You may be tempted to choose the company with the cheapest rates, but don’t forget to ask about turnaround time when gathering quotes.

If you go with the cheapest company and their turnaround time is longer than average, you may be stuck waiting on a new AC or simple plumbing fix. Max turnaround times may be different during a busy season, but on average, it should take between two and four days for a repair or replacement to be addressed.

Emergency claims

If you have an emergency in the middle of the night, will the home warranty company be available to field claims? Do they have a website that you can file a claim online 24/7? Ask if there’s a service guarantee for any repairs that break down after the repairman leaves.

Licensed contractors

A home warranty company should always send a licensed contractor from their trusted network. Some home warranty companies will even let you choose one of your preferred technicians to complete a repair or replacement.

Coverage start date

One of the biggest considerations when purchasing a home warranty is when the policy will go into effect. If you’re interested in covering your home systems immediately, make sure your policy reflects that. Most home warranties don’t go into effect until 30 days after your first payment has been made.

Colorado home warranty reviews

The majority of home warranty reviews from Colorado state that they can file a claim and get a repairman to look at their broken home systems and appliances. Homeowners are aware of trade service fees and are generally happy with the licensed contractors chosen by their home warranty service.

Common complaints regarding Colorado home warranties include gray areas in coverage (when neither the warranty company or the manufacturer will fix the defect) and a higher expense to renew their contract after the first year.

Frequently asked questions

Are home warranties worth it?

If you purchase or live in an older home, a home warranty is definitely worth it. By making only one call to a home warranty company, you can have direct access to an HVAC technician, plumber, and appliance repairman. The warranty company has a list of qualified, licensed contractors to contact, so you don’t have to spend time reading reviews or asking neighbors for a referral.

How much does a home warranty cost?

A home warranty in Denver, Colorado, has a median annual cost of $557. You should also check to see if your warranty company charges a service fee when they dispatch a repairman. This fee (up to $125) can add up when combined with your yearly fee.

What does a home warranty cover?

Most home warranties cover HVAC systems, plumbing, electrical, and major home appliances such as a washer, dryer, oven, and stove. You can also purchase additional add-ons to cover your swimming pool, spa, and second refrigerator/freezer.

Thoroughly read the contract to see what the covered items are. Sometimes one part of your appliance is covered but not all of it is. Additionally, most home warranties cover only repairs and replacements due to normal wear and tear, which means if you accidentally damage major systems in your home, it will not be covered.

Note: Home warranty coverage and homeowners insurance coverage are different. Home warranties cover your systems and appliances while homeowners insurance covers damage from natural disasters and losses from theft.

Our conclusion

If you’re interested in the highest-rated home warranty companies in Colorado, check out one of our preferred companies in our list above. The following companies are ones we highly recommended: Choice Home Warranty, American Home Shield, The Home Service Club, First American Home Warranty, and Total Home Protection.

Again, purchasing a home warranty is a wise investment. It gives you peace of mind and can keep your home running even when you don’t have money to fix an emergency repair. With just one phone call, you can get major systems and appliances fixed quickly without disrupting the routine of daily life.

Still not sure which Colorado home warranty is right for you?

Compare other top home warranty providers in the industry.

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