Best Home Warranties in Colorado

The experience of being a homeowner in Colorado can vary dramatically, depending 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. Because of this, a homeowner in Telluride can experience vastly different risks than one in Denver, and they may need different things from their home warranties as a result.

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 that you’re responsible for and not those shared by other residents or the organization that oversees your building.

On the other hand, both of these homeowners should probably make sure their 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 offering 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.

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.

ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

To choose the top home warranty companies in Colorado, we started with the 26 popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in Colorado. We then weighted several key features to get our final rankings:

• 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.