Best overall
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best Home Warranty Companies in Colorado
- Best overall
First American Home Warranty4.0(9,087) - Furnace coverage
American Home Shield3.6(111,732) - Technicians
Choice Home Warranty4.0(77,476)
By:
Taylor Sansano
+2 more
Edited by:
Cassidy McCants
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in Colorado
First American Home Warranty is the best home warranty company in Colorado, thanks to strong coverage for the plumbing and heating problems that come with the state's freeze-thaw cycles. In many parts of Colorado, shifting soil and long winters can lead to expensive issues. A home warranty may help keep a repair from turning into a major out-of-pocket bill.
Home warranties can also help with everyday breakdowns for items like water heaters, garage door openers and ovens. In Colorado, monthly pricing typically ranges from $20 to $94, depending on the provider and plan.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,946,968 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.
First American Home Warranty stands out in Colorado for optional coverage that can raise limits for accessing plumbing leaks under or encased in concrete foundations.
Jump to insightColorado's average monthly cost for a home warranty is $56.54. Annual premiums span $240 to $1,126, depending on the provider and plan tier. Most plans carry a service fee of $75 to $150 per claim.
Jump to insightGiven how common basement and foundation issues are, coverage that helps pay to access hard-to-reach plumbing leaks is a very important feature.
Jump to insightOur 4 home warranty company picks in Colorado
- Best overall: First American Home Warranty
- Best furnace coverage: American Home Shield
- Best technicians: Choice Home Warranty
- Best claims handling: HomeSafe
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 Colorado home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 First American Home Warranty | Get a Quote | 4.0
9,087 reviews
9,087 reviews
| Best overall | $33 | $100 or $125 |
 American Home Shield | Get a Quote | 3.6
111,732 reviews
111,732 reviews
| Furnace coverage | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
77,476 reviews
77,476 reviews
| Technicians | $49.17 | $100 |
 HomeSafe | Learn More | 4.3
697 reviews
697 reviews
| Claims handling | $69 | $65 |
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 furnace coverage
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best technicians
- Plans available
- Basic and Total
- Monthly premium range
- $49.17 to $57.50
- Service fees
- $100
- Labor guarantee
- 60 days
Best claims handling
- Plans available
- Appliances, Systems and Best Home
- Monthly premium range
- $69 to $79
- Service fees
- $65
- Labor guarantee
- 60 days
Home Warranties in Colorado Buyers Guide
Jump into our guides and start learning
In this guide
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.
How to choose a home warranty in Colorado
To select a home warranty in Colorado, first figure out which systems or appliances you need protected most. Then, compare plan options, sample contracts and real customer feedback. Use this checklist to help you find the right fit for your Colorado home:
1. Decide what coverage you need
Your home warranty needs in Colorado depend on the city you're in, your elevation, the season 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.
2. Compare costs
Look beyond the monthly premium and consider the plan's total value. Factor in service fees — which typically run $75 to $150 per visit — since they add up if you file multiple claims.
Pay attention to coverage caps. Plans generally have overall payout maximums as well as limits for certain systems. Paying higher premiums may be worthwhile if it prevents additional out-of-pocket costs for an expensive repair. Also, review the cost of add-ons such as roof leak coverage or protection for a second refrigerator. These will affect the total cost of your plan.
Colorado home warranty costs are typically higher than the national average due to the high cost of labor and the prevalence of older, historic homes. Service fees may also be higher in affluent commuter areas near NYC.
3. Review sample contracts
Most providers publish sample contracts online. These documents are the best way to understand exactly what is and isn’t covered. Read carefully to spot exclusions like preexisting conditions, cosmetic damage and improper installation.
Contracts also outline key details, including waiting periods before coverage begins, claim-filing steps, parts and labor caps, and cancellation fees.
When reviewing contracts, check for coverage of oil-fired heating systems and boilers, which are common in Colorado but often treated differently than forced air. Verify if the plan covers modifications required to bring older systems up to code.
4. Read customer reviews
Reviews provide insight into what it’s actually like to work with a company once you’ve purchased a plan. Look for patterns in customer feedback on how quickly claims are approved, whether contractors arrive on time and the quality of the technicians.
Look for Colorado reviews that mention boiler repairs and emergency winter service. Pay attention to feedback from rural areas regarding technician availability versus the faster response times in major cities.
Technician responsiveness can make or break a claim, as Diane from Durango shared. "I had a claim for a gas furnace. The claim submission part was easy and seamless," she said. After multiple visits, she says the issue still wasn’t resolved and "his inability to fix the problem left my home without heat for weeks."
» MORE: How to choose a home warranty
How much does a home warranty cost in Colorado?
A home warranty in Colorado costs $56.54 per month, on average. Home warranty premiums generally range from $20 to $94 per month, depending on the plan. The average cost of a home warranty in Colorado is 16.4% lower than the national average.
Cost range by home warranty provider
We received quotes for each of our top picks in Colorado for a three-bed, two-bath home in Denver.
| Provider | Monthly premium range* | Service call fee |
 | $38.84 to $93.84 | $100 or $125 |
 | $19.99 to $79.99 | $100 or $125 |
 | $49.17 to $57.50 | $100 |
 | $69 to $79 | $65 |
| $38.84 to $93.84 | $100 or $125 |
| $19.99 to $79.99 | $100 or $125 |
| $49.17 to $57.50 | $100 |
| $69 to $79 | $65 |
*Data from July 2026
What does a Colorado home warranty cover?
Plans in Colorado typically fall into three categories: appliance-only, systems-only and combo coverage.
- Appliance plans usually include refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
- Systems plans focus on essentials like heating, plumbing and electrical — critical for Colorado’s cold winters and hot summers.
- Combo plans give you the broadest protection.
Most providers offer optional add-ons you can use to customize your coverage. Optional add-ons worth considering in Colorado include coverage for sump pumps and septic systems, which are common in many homes. Roof leak coverage is also useful given the heavy snow and ice during winter.
Reviewers' experience filing home warranty claims in Colorado
- Julie in Johnstown wanted peace of mind without a big surprise bill, especially on a teacher’s budget. After she enrolled, she said, “Signing up for the home warranty program was ridiculously easy and very affordable.” With a helpful agent answering questions, she walked away feeling ready for whatever breaks next."
Key takeaway: Easy signup and affordable peace of mind make it worth it
- Manuel in Colorado Springs had his fridge die all at once, so he jumped into a claim. "My fridge stopped working completely, both the freezer and the top portion of it. Filing the claim with American Home Shield is really easy."
Key takeaway: Scheduling may be slow, but the fix can still be fast once the tech arrives
- Brawley in Fort Collins expected a straightforward washer fix, but the claim dragged on with repeat dispatches. "After 20 phone calls with American Home Shield over the course of November and into December, I started getting very mad that AHS was not doing what they were supposed to be doing because I pay a monthly fee to have repairs done."
Key takeaway: Bad contractor loops can stall a claim for months
How much can you save with a Colorado home warranty?
The amount you save depends on what breaks. One covered repair can easily cover the cost of your annual plan. The Consumer Financial Protection Bureau recommends setting aside 1% to 3% of your home’s value each year for repairs and maintenance, but many homeowners spend much less with a warranty.
Average repair/replacement costs for covered items
Connecticut's cold winters and aging infrastructure lead to frequent boiler failures and frozen pipes. Historic electrical systems often struggle with modern demands. Coastal storms can cause water intrusion issues not always covered.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
| Roof leak repair | $360 to $1,550 | $5,800 to $12,800+ | Add-on ($7 to $12 more per month) |
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 publication.
These laws are set to expire in 2026 unless the Colorado General Assembly extends them again.
FAQ
What is typically not covered by a home warranty in Colorado?
Most standard plans do not include oil tanks, lines or certain types of older equipment. Exclusions can also include preexisting conditions, improper installations, cosmetic damage or issues caused by neglect. It’s important to read the contract to understand all limitations.
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.
How soon does coverage begin after I sign up?
Most home warranty plans have a waiting period — typically about 30 days — before coverage kicks in. Be sure to check your contract for the exact waiting period before submitting a claim.
Does a Colorado home warranty have to let me switch a gas appliance to electric?
Yes, Colorado law (C.R.S. 12-10-903) requires warranty contracts covering gas-fueled appliance replacement to let you choose an electric or heat pump-based replacement instead, at no extra cost beyond the price difference between units, for contracts issued or renewed on or after July 1, 2024.
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.
Here's how we scored each company:
- Local satisfaction rate (40%): Reviews from real customers in Colorado are worth more than a company's nationwide reputation. If a company has a poor technician network locally or frequently denies Colorado homeowners' most frequent complaints, we capture that in our review analysis.
- Heating system coverage (35%): Winters in Colorado put furnaces and heating systems under heavy strain. We weighted each company by its heating coverage caps and how it handles freeze damage, since a failed furnace in Colorado is an emergency, not an inconvenience.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Colorado. We also considered the lowest service fees each company offers.
- National satisfaction rate (10%): To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
- Additional benefits (5%): We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
Note: Each superlative emphasizes certain factors more than others. For example, the "Best value" superlative weights cost at 20%, while "Best claims handling" gives more weight to reviews that mention the claims process and customer service.
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:
- Colorado General Assembly, “Sunset Home Warranty Service Contracts.” Accessed July 8, 2026.
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Compare top Colorado home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
First American Home Warranty
| 4.0
9,087 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
|
American Home Shield
| 3.6
111,732 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. $5,000 coverage limit on HVAC; up to $2,000 or $4,000 on appliances. | Get a Quote |
|
Choice Home Warranty
| 4.0
77,476 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
|
HomeSafe
| 4.3
697 reviews
| Customizes home warranty plans in most states. Plans start 25 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Read reviews |
Liberty Home Guard
| 4.6
1,947 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
ARW Home
| 4.4
2,957 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
Cinch Home Services
| 4.1
12,559 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Get a Quote |
Prestige Home Guard
| 4.2
10 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
Old Republic Home Warranty
| 3.8
2,361 reviews
| Offers customizable home warranty plans to current homeowners, homebuyers and sellers in 26 states. Costs vary by state and plan level. Optional coverage choices available. | Read reviews |
Select Home Warranty
| 3.7
16,625 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Priority Home Shield
| 3.6
37 reviews
| Home warranties with appliance-only, systems-only and combo plans. Plans start at around $43.75 a month. Provides real-time claim tracking. No home inspection or maintenance records required. | Read reviews |
Regency Total Warranty
| 3.4
1,166 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
Global Home USA
| 3.2
15 reviews
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Super
| 2.7
445 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
HomeServe
| 1.6
2,144 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $4.99 a month. | Read reviews |
First Premier Home Warranty
| 1.7
688 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
America's Preferred Home Warranty
| 1.6
17 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
Sears Home Services
| 1.1
553 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.1
6,818 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
GE Service Contracts
| 1.2
367 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
ServicePlus Home Warranty
| 1.2
1,978 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
Home Warranty of America
| 1.1
4,056 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
Fidelity National Home Warranty
| 1.1
363 reviews
| Fidelity National Home Warranty provides home warranties for single-family and multifamily homes. The service fee is $75, and work is guaranteed for 30 days. Service providers are called within three business hours of the claim. | Read reviews |
The Home Service Club
| 1.2
823 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
AFC Home Warranty
| 1.0
2,281 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
Home Warranty Inc
| 1.0
23 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Frontdoor
| 1.0
30 reviews
| Free app offers one live chat session with experts, plus access to vetted local providers for in-home services. Free how-to maintenance articles available. Free and paid membership plans. App available nationwide. | Read reviews |
American Home Protect
| 1.0
137 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $85 to $100 service fee. Unlimited claims for covered repairs. | Read reviews |
Complete Protection Home Warranty
| 1.0
View profile
| Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $29.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Blue Ribbon Home Warranty
| No reviews | Established in 1985. Services properties in Colorado. Offers 24/7 service for a variety of appliances and systems. Each service call has a $75 fee. Guaranteed 24-hour response time. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.0
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
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