Best Home Warranties in Colorado Springs, CO

Selecting a home warranty in Colorado Springs requires more than just comparing prices. Here’s how to decide on the best home warranty plan:

1. Decide what coverage you need

Begin by deciding whether your top priority is appliance coverage, major home systems protection or a combination of both. In Colorado Springs, a plan with high furnace repair limits is essential, as is AC coverage that protects against hail damage.

With over 57 inches of snow per year and frequent summer hailstorms — among the highest rates in the country — HVAC systems and external AC units can sustain extreme damage, making comprehensive coverage a smart investment.

You may also consider appliance protection that includes hard water damage safeguards. Colorado Springs has naturally hard water, and over time, this can wear down dishwashers, washing machines and water heaters.

2. Compare costs

Don’t just look at the monthly premium. Add up your potential annual cost, including service fees for each claim. In Colorado Springs, spending a bit more for explicit hail damage coverage on your AC can save significant money later, especially when compared to basic plans that exclude weather-related events.

3. Review sample contracts

Read sample contracts for exclusion details, especially related to weather. Make sure hail isn’t listed as an "Act of God" that voids your AC condenser coverage. Also check for exclusions related to winterizing — some providers won’t cover burst pipes if proper winter prep wasn’t done.

Sample contracts will also give you information about what you can expect with claims and reimbursements, as some providers are more customer-friendly than others.

4. Read customer reviews

Look for feedback from Colorado Springs homeowners that specifically mentions hail or furnace claim experiences. Smooth claims and positive results suggest a reliable company, while consistent complaints about weather exclusions or claim denials are red flags.

Dale, a local Regency customer, was pleased with the quick turnaround when he needed his air conditioner repaired. He said he filed his claim along with a copy of the paid invoice on Monday, and “On Tuesday, they reviewed our claim and determined it was good, notifying us that they will send us a check within 30 days.”

Also, look for reviews from people who’ve had their policy for multiple years. Colorado Springs resident Claudia, who has been an American Home Shield customer for over 30 years, said, “I like that they screen their vendors. … Last spring, the furnace and air conditioner people they assigned came immediately when I called, and they were outstanding.”

» MORE: More tips for choosing a home warranty

The average annual home warranty price is $684 as of June 2025. In Colorado Springs, you’ll pay between $360 and $1,080 per year for coverage, depending on the plan you select and which add-ons you include.

Cost range by home warranty provider

Monthly or annual premiums

Most companies give you the choice to pay monthly or annually. Paying in full for the year often brings a discount, but monthly payments help spread out the cost.

Service call fees

Each repair request comes with a service call fee, usually between $75 and $150, depending on your plan. These add up if you file multiple claims, so factor them into your annual total.

Add-on coverage

Customizing your plan with add-ons can cost between $2 and $25 per month for each extra item, like roof leaks or sump pump coverage.

Other home warranty cost factors

Beyond coverage choices, your home’s size and type, the scope of protection, and your location in Colorado Springs influence your premium. Homes with frequent furnace or AC issues, or those exposed to more hail, may see higher rates. 

Many homes in neighborhoods like Old North End or Manitou Springs are over 50 years old, making systems-only or combo plans especially beneficial. Older systems are more prone to failure, and warranties can cover components like outdated electrical panels or aging furnaces.

Example: total annual home warranty costs

• Comprehensive coverage ($60 per month): $720 per year
• Add-on for roof leak repair ($10 per month): $120 per year
• Three claims ($100 service fee): $300
• Total: $1,140 per year

In Colorado Springs, home warranty plans are typically offered as appliance, systems or combo plans. Combo plans are popular locally because they address both the severe winter and summer challenges homeowners face.

• Appliance-only plans cover kitchen and laundry appliances like refrigerators, dishwashers, ovens and washers.
• Systems-only plans protect heating, air conditioning, plumbing, electrical and water heater systems.
• Combo plans include both appliances and systems — the broadest choice for Colorado Springs.

Optional add-ons are widely available. For Colorado Springs, roof leak coverage is the most valuable add-on, with sump pump and hard water appliance protection also important for homes with basements or mineral-rich water.

» MORE: Home warranties for older homes

Your savings depend on the number and type of repairs you need. Even one major covered repair often justifies the entire year’s cost, making a warranty well worth the investment. 

The Consumer Financial Protection Bureau recommends budgeting 1% to 3% of your home’s value annually for repairs — usually more than you’d spend on a comprehensive home warranty and a few service fees. Avoiding just one major HVAC or water heater failure can save you thousands.

Average repair/replacement costs for covered items

In a city like Colorado Springs, where temperature swings stress HVAC systems and hard water affects water heaters and plumbing, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Colorado Springs without a home warranty: