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Best Home Warranties in Colorado

We compared 34 companies and chose the top home warranty providers

    • Best overall
      Regency Total Warranty
      4.1(1,012)
    • Value
      American Home Shield
      3.7(109,259)
    • Quick service
      Choice Home Warranty
      4.0(73,373)
    Author picture
    By: Taylor Sansano
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in Colorado

    Based on verified reviews from local homeowners, Regency Total Warranty is the best home warranty company in Colorado. American Home Shield is a good choice if you want budget-friendly coverage. Choice Home Warranty stands out for fast repair turnaround.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,807,229 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Our 4 home warranty company picks in Colorado

    1. Best overall: Regency Total Warranty
    2. Best value: American Home Shield
    3. Best for quick service: Choice Home Warranty
    4. Best claims handling: First American Home Warranty

    Our research team vetted home warranty companies that are rated by hundreds of customers in Colorado. Read our guide to choose the best home warranty in Colorado for you by comparing plans, contract lengths and service fees.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.

    Compare home warranty companies

    Our 4 Colorado home warranty company picks

    Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Colorado on ConsumerAffairs.

    Best overall

    Regency Total Warranty

    Regency Total Warranty
    4.1
    1,012 reviews
    Plans available
    EssentialGuard and TotalGuard
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty stands out for its consistently praised claims process, which is critical when you need fast action on repairs. This company gives Colorado homeowners two combination plan options (EssentialGuard and TotalGuard), both of which protect systems and appliances.

    Colorado customers have left 129 reviews for Regency on ConsumerAffairs in the past year. 128 of those are 5-star reviews, and one is a 4-star review. That speaks to the consistency of the company’s track record with Coloradans.

    What to consider: Regency is new to the warranty market, having launched in 2024.

    Pros
    • Both plans cover systems and appliances
    • Reasonable starting costs
    Cons
    • No electronics plan
    • Some water heater exclusions

    Regency’s two plans offer different degrees of coverage for your home’s systems and appliances. Costs start at $39.99 per month, with a potential savings of $50 per year if you pay annually.

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.83 per month ($499.99 per year).

    Add-ons and discounts

    • Optional add-ons
      • Pools and spas
      • Well pumps
      • Sump pumps
      • Central vacuums
      • Limited roof leaks
      • Septic systems
      • Second refrigerators
      • Stand-alone freezers
      • Septic tank plumbing
    • Discounts: Seasonal promotions; limited roof leak protection
    Colorado reviewers praise Regency Total Warranty for fast claim assignment, professional technicians and smooth repairs or replacements. Some report delays getting technicians assigned.
    “The same day I submitted our online claim, Regency Total Warranty assigned a repair company. The business gave us a convenient time when they called that same day. The technician was able to identify the issues when they showed up at the scheduled time.”
    Philip Colorado Springs, CO
    “Excellent service was offered by Regency Total Warranty. Two minutes after I called on Friday, I got a call with the plumber's number and an appointment request. The business contacted three hours later to schedule my appointment, and he arrived on Saturday at the time he had promised. … I have never been disappointed by you folks.”
    Roger Beavertown, CO
    “Our hot water heater was leaking. I called Regency Total Warranty, and they were able to send someone to my house quickly. The contractor was able to obtain a replacement item approved by Regency Total Warranty and completed the necessary repairs immediately. I saved a lot of money using Regency Total Warranty.”
    Graham Colorado Springs, CO
    Best value

    American Home Shield

    American Home Shield
    3.7
    109,259 reviews
    Plans available
    ShieldSilver, ShieldGold and ShieldPlatinum
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield is a top pick for homeowners who want premium coverage without stretching their budget. The AHS app streamlines the claims process, and the option to video chat with repair specialists is a modern touch. Plus, if you can solve your problem over the phone, you can save yourself a service call fee.

    We also appreciate the high overall coverage limits and flexible cancellation policy.

    What to consider: AHS offers fewer add-on options than most competitors, so it may be difficult to tailor coverage for every unique situation.

    Pros
    • Easy claims process
    • High coverage limits
    • Covers rust, corrosion and sediment damage
    • Cancel at any time
    Cons
    • Occasional service delays
    • Relatively high service fees

    Base plans from AHS start at $29.99 a month. You can choose a $100 or $125 deductible, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($29.99 or $39.99): Covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($49.99 or $59.99): Covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • SheldPlatinum ($79.99 or $89.99): The most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties

    Colorado reviewers praise AHS for quick claims, professional technicians and an easy online process. The main complaint is spotty communication.

    “My air conditioning unit suddenly stopped working, making a bunch of noise and then just refused to turn back on. I reached out to American Home Shield and they coordinated with Fix-It Now Heating and Cooling to get a technician over. … From start to finish, the entire process was smooth. … They did an excellent job, and I've had no issues since the repair.”
    Thomas Broomfield, CO
    “In the 20 years that I’ve been with American Home Shield, my experience with them has been positive. The customer service has been good, and except for one company, I haven't had issues with the technicians they send out.”
    K Greenwood Village, CO
    “American Home Shield's customer service is exceptional—always prompt and attentive. My most recent experience involved a claim for my microwave, which had stopped working. I submitted the claim online, and the technician who came was very nice. I genuinely believe American Home Shield offers great value for the cost and would highly recommend their home warranty.”
    Bianca Denver, CO
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Best for quick service

    Choice Home Warranty

    Choice Home Warranty
    4.0
    73,373 reviews
    Plans available
    Basic and Total
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty is a strong pick for homeowners who value a quick response. The company’s network of skilled technicians and its policy to address service requests within four hours are ideal for Colorado residents who need repairs fast.

    What to consider: Choice does not offer an appliance-only or systems-only plan, and you cannot select your own service fee.

    Pros
    • Optional roof leak coverage
    • No transfer fee
    • 24/7 customer service
    Cons
    • $500 roof repair cap

    Basic plans start at $49.17 per month, and Total plans start at $57.50 per month. Both have a flat $100 service fee. Contracts last one year — expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract with no penalty.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month

    Colorado reviewers generally appreciate Choice Home Warranty’s simple claim process, responsive customer service and reliable repair work. Some complain about unexpected out-of-pocket costs when coverage limits or exclusions apply.

    “Was able to set up an appointment with a plumbing contractor for the next day. Everything was done on-line with Choice Home Warranty (never spoke to an agent). CHW keeps me apprised with emails and text messages. I've only been with CHW since September of 2024, but so far, I've had 3 claims (2 for electric issues and 1 for plumbing) and have been able to get everything fixed with no hassles!”
    Patricia Denver, CO
    Best claims handling

    First American Home Warranty

    First American Home Warranty
    4.1
    8,884 reviews
    Plans available
    Starter, Essential and Premium
    Service fees
    $100 or $125
    Starting costs
    $42
    Labor guarantee
    None specified
    Get a Quote Read Reviews

    First American Home Warranty is our pick for Colorado homeowners who want reliable and fast claim resolutions. The company’s strong reputation for timely, quality repairs and replacements is backed up by consistently positive feedback. Flexible month-to-month contracts, low service fees and no appliance age limits make this provider practical for both new and older homes.

    What to consider: First American offers a shorter labor guarantee than some competitors, at 30 days.

    Pros
    • Low starting costs
    • Low service call fees
    • No age limit on appliances
    • Month-to-month contracts
    Cons
    • Occasional service delays

    First American plans cost $42 to $82 per month. They are all combination plans, meaning coverage includes appliances and systems. Service call fees are $100 or $125 (a lower service fee will result in higher monthly premiums).

    • Starter: Covers major systems like heating, plumbing, electrical and ductwork, common kitchen appliances and toilets. Monthly premiums are $42 or $47.
    • Essential: Includes everything in the Starter plan plus fans, garage doors, washers and dryers. Monthly premiums are $57 or $62.
    • Premium: Most comprehensive plan, covers everything in the Essential plan, plus hot/cold water dispensers and central vacuums. Monthly costs are $77 or $82.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $7
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: Reduced premiums for paying annually

    Colorado reviewers praise First American for helpful contractors and quick repairs. The biggest complaints are slow response times for urgent issues.

    “They were very helpful when I filed a claim. Our hot water heater busted and flooded our basement. They were very good about finding a vendor. They took care of it pretty fast. The techs were also very good and fast.”
    E Longmont, CO
    “Great job fixing the dryer. He took the dryer apart and did a complete inspection and replacement of the heating element.”
    Garu Greeley, CO
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best home warranties by city

    Home Warranties in Colorado Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Regency Total Warranty logo
    American Home Shield logo
    Choice Home Warranty logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      As a Colorado resident, you have some pretty unique factors to keep in mind when purchasing a home warranty, ranging from environmental differences to evolving regulations. Just remember to evaluate your specific needs and shop around to find a good deal.

      » COMPARE MORE COMPANIES: Home warranty buyers guide

      Key insights

      Home warranties generally cost $30 to $90 per month, depending on the type of coverage.

      Jump to insight

      Consider your location, elevation and the age of your home when choosing coverage. In Colorado, ensure your heating system is covered.

      Jump to insight

      The Division of Insurance regulates home warranty providers in Colorado. Contracts must clearly state any exclusions, limitations, repair processes and timelines, coverage duration and transferability.

      Jump to insight
      denver colorado skyline

      How much does a home warranty cost in Colorado?

      Your home warranty costs depend on your home and the coverage you want, but plans from our top picks in Colorado average about $30 to $90 per month. This doesn’t include discounts or add-on coverages, but those factors are worth looking into — and do affect your cost — if you’re shopping for a home warranty in Colorado.

      How to choose a home warranty in Colorado

      Your home warranty needs in Colorado depend on the city you’re in, what elevation you’re at, what season it is and whether you’re in a rural or urban area.

      For example, someone in the mountains of Telluride may need to worry more about their septic system or how water drainage may impact their home. However, if you live in a condo in Denver, you’ll probably want to make sure your warranty coverage only includes the items you’re responsible for and not those shared by other residents or the organization that oversees your building.

      Either way, no matter where you are in Colorado, you should probably make sure your heating systems are covered in case they break down in the middle of a cold Rocky Mountain winter.

      When looking for a home warranty company in Colorado, it’s important to find a provider with coverage that makes sense for your situation. Ask for a sample contract or get a personalized quote to see exactly what a company covers in your area.

      Home warranty regulations in Colorado

      The Colorado Division of Insurance regulates home warranty providers in the state. You can use resources from this agency to verify licenses and file a grievance about a home warranty company, if necessary.

      In Colorado, all home warranty contracts must list:

      • All elements that are excluded from coverage (not just what’s included)
      • Any limitations to coverage
      • How you can obtain repairs and replacements
      • The time period within which the requested repairs will be made or replacements will be provided
      • Specific on the duration of coverage
      • Whether the policy is transferable to a new owner
      • A reference to the laws that govern home warranties in Colorado

      In Colorado, it’s also illegal for any lending institution to require you to purchase a home warranty service contract as a condition of getting financing for the purchase of the home.

      In 2019, the Colorado Department of Regulatory Agencies (DORA) completed a sunset report concerning the continuation of its statutes governing home warranty service contracts. In 2020, the state implemented some of these findings, so Colorado has some of the most up-to-date laws regarding service contracts as of publishing.

      These laws are set to expire in 2026 unless the Colorado General Assembly extends them again.

      FAQ

      What does a home warranty cover?

      A home warranty covers your home’s appliances (like your refrigerator or microwave), systems (e.g., your HVAC or plumbing) or both. These contracts have coverage limits, however, and they don’t cover preexisting conditions or issues due to faulty maintenance.

      Is a home warranty worth it in Colorado?

      Out-of-pocket home repairs can be extremely expensive, and a home warranty can easily pay for itself if you run into significant issues that are covered by your service contract. So, homeowners in the Centennial State who want to protect their wallets from these high costs can find a lot of peace of mind in having a home warranty policy in place.

      However, the bottom-line value of any home warranty depends on how much use you get out of it versus how much you spend on it. That’s why it’s important for you to make sure you get a good deal and the right coverage.

      Can I transfer my home warranty?

      Yes, home warranty coverage is typically transferable to a second owner. If you’re selling your home, this coverage could be a bonus for the buyer.

      Methodology

      The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Colorado, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Colorado but also considered national reviews. We discarded companies with fewer than five in-state reviews. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
      Guide sources

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:

      1. Colorado General Assembly, “Sunset Home Warranty Service Contracts.” Accessed Sept. 30, 2025.

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