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Best Home Warranties in Colorado

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    by Taylor Sansano Contributing Writer

    Our research team vetted 19 home warranty companies that are rated by more than 510 customers in Colorado. Read our guide to choose the best home warranty in Colorado for you by comparing plans, contract lengths and service fees.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 3,481,218 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.

    Key Insights

    • Our top picks include American Home Shield, Choice Home Warranty, Select Home Warranty, American Residential Warranty and America’s 1st Choice Home Club.
    • To find the best home warranty in Colorado for you, think about the type of property you have and choose corresponding coverage. A mountain cabin may have different needs than a downtown condo.
    • A good home warranty in Colorado typically costs $40 to $60 per month without incentives, promotions or add-ons.

    Our 5 Colorado home warranty picks

    Here are our favorite home warranty companies in Colorado, based on local reviews:

    Methodology

    To select our top picks, we started with the home warranty companies available in Colorado on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Colorado, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

    Our top pick overallAmerican Home ShieldAUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: 1 year
    • Service fee range: $75, $100 or $125

    American Home Shield’s plans cover up to 23 home systems and appliances, and more than 2 million people have signed up for coverage. Many home warranty companies have add-on options to make coverage more flexible, but American Home Shield lets you customize both your coverage options and service fees. You can file a claim at any time through its online portal, and all repairs are backed by a 30-day workmanship guarantee.

    We’ve compared this company’s plans based on select coverage items below.

    ShieldSilverShieldGoldShieldPlatinum
    Monthly premium cost*$29.83 - $44.83$39.83 - $54.83$59.83 - $74.83
    Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-on
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezer
    Well pumpAdd-onAdd-onAdd-on
    ShieldSilver$29.83 - $44.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldGold$39.83 - $54.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldPlatinum$59.83 - $74.83$75, $100 or $125Add-onAdd-onAdd-on

    *For a home in Denver at the time of publishing

    Colorado residents are enthusiastic about American Home Shield in their reviews, giving the company by far the strongest ratio of 5-star to 1-star reviews of our top picks at the time of publishing.

    Scott from Lafayette wrote, “I had an outstanding experience with the contractor that came out for a garbage disposal that was jammed. I have two accounts with American Home Shield and I recommend it.”

    Frances from Pueblo left a review to praise the company as well. “My air conditioner stopped working then it started again. I called American Home Shield and I was fully satisfied with the contractor. They were very efficient and got it all taken care of right away.”

    Our pick for fast serviceChoice Home WarrantyAUTHORIZED PARTNER
    • Number of plans: 2
    • Contract length: 1 year
    • Service fee range: $85

    Choice Home Warranty has covered more than 1 million homes across the U.S. The company’s service agreement states that it will initiate service within four hours of your request, and the company will refund your service fee if your repairs aren’t completed within 30 days. All customers receive a free first month of service through CHW at the time of publishing too.

    We’ve compared this company’s plans based on select coverage items below.

    Basic planTotal plan
    Monthly premium cost*$49.16$60.50
    Service call fee*$85$85
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-on
    Roof leak repairsAdd-onAdd-on
    Second refrigeratorAdd-onAdd-on
    Septic pumpAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-on
    Well pumpAdd-onAdd-on
    Basic plan$49.16$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Total plan$60.50$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Denver at the time of publishing

    Review trends for Choice Home Warranty in Colorado are strong, with many people mentioning the speed and convenience of the service.

    Leslie from Thornton left a review breaking down the timeline of her claim. “Dishwasher would not start. Called Choice on Sunday. Received e mail for tech to come between 1100 and 300 on Monday. Can't get any faster than that. Simple fix and he was gone. Great service and a great technician with a great attitude.”

    Edward from Colorado Springs shared similar sentiments, writing, “I’ve used several other home warranties. Always had to fight to get service. Fight to get help. And everything was always too much to do anything about. Not with [C]hoice. Guy came out quickly and I got a replacement appliance when mine was too far gone.”

    Our pick for low service feesSelect Home WarrantyAUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: 1 year
    • Service fee range: Starts at $75

    Select Home Warranty offers home warranty policies designed for single-family homes, manufactured homes, mobile homes, rental properties, and multiunit buildings. Its plans cover all makes and models of properly maintained appliances, and you don’t have to get a home inspection before purchase. There are no limits on covered repairs with Select Home Warranty.

    We’ve compared this company’s plans based on select coverage items below.

    Bronze CareGold CarePlatinum Care
    Monthly premium cost*$60.42$60.42$65.83
    Service call fee*Starts at $75Starts at $75Starts at $75
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-onAdd-on
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-onAdd-on
    Well pumpAdd-onAdd-onAdd-on
    Bronze Care$60.42Starts at $75Add-onAdd-onAdd-onAdd-onAdd-on
    Gold Care$60.42Starts at $75Add-onAdd-onAdd-onAdd-onAdd-on
    Platinum Care$65.83Starts at $75Add-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Denver at the time of publishing

    At the time of publishing, Select Home Warranty has potentially the lowest service fees of any of our top picks, and reviews from Coloradans frequently mention the value of the company’s plans.

    Katy from Peyton wrote in a review that she “moved over from another warranty company. Coverage is comparable and price is excellent. Look forward to working with them and keeping my repair costs low for any appliance and other covered items… So far this appears to be a great value for the services offered.”

    Another reviewer, Valarie from Denver, also highlighted the company’s relative affordability. “I called to get some coverage on our home as all of our appliances have expired warranties … I was able to sign up for longer than one year and lock in my price as well as save additional money each month on the plan. I have checked other warranty companies and this was absolutely my favorite!”

    Our pick for short-term contractsAmerican Residential WarrantyAUTHORIZED PARTNER
    • Number of plans: 4
    • Contract length: Month to month
    • Service fee range: Varies

    American Residential Warranty sells both customizable home warranty plans and bundled packages, offering a multitude of coverage options for you to choose from. This flexibility also extends to the company’s month-to-month payment structure (although quarterly and annual payments are accepted). You must call the company to submit a claim, but its representatives are available 24/7 for some added convenience.

    We’ve compared this company’s plans based on select coverage items below.

    Kitchen plusHeating & coolingPlatinumPlatinum premier
    Monthly premium cost*$34.99$39.99$49.99$59.99
    Service call fee*VariesVariesVariesVaries
    Built-in microwavesAdd-on
    Clothes dryersAdd-onAdd-onAdd-onAdd-on
    Clothes washersAdd-onAdd-onAdd-onAdd-on
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    PlumbingAdd-onAdd-onAdd-on
    Water heatersAdd-on
    PoolsAdd-onAdd-onAdd-onAdd-on
    Roof leak repairs
    Second refrigeratorAdd-onAdd-onAdd-onAdd-on
    Septic pump
    Stand-alone freezer
    Well pumpAdd-onAdd-onAdd-onAdd-on
    Kitchen plus$34.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Heating & cooling$39.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Platinum$49.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Platinum premier$59.99VariesAdd-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Denver at the time of publishing

    Colorado residents tend to review American Residential Warranty positively, and multiple reviewers mentioned their brand loyalty.

    Paul from Rocky Ford wrote, "The representative, Sharlene, was very pleasant and helpful. Great to interact with a pleasant person. I would and will recommend [this] company to all my friends and family. I have been a customer for a while now and will continue to be so.”

    Ruperto from Greeley felt similarly, writing, "The person I was talking to was very pleasant and professional. ... I would definitely recommend American Residential to anyone who ask me about [the] company. I have been with American residential for over a year and have never had any problems with anyone who has [helped] me or contacted me in anything I needed.”

    Our pick for long-term contractsAmerica's 1st Choice Home ClubAUTHORIZED PARTNER
    • Number of plans: 4
    • Contract length: 1 or 3 years
    • Service fee range: $75, $100 or $125

    America’s 1st Choice Home Club covers up to 24 of your home’s systems and appliances, and coverage is available for up to three years at a time, if you prefer to plan ahead. Also, all prices are locked in once you sign your contract, meaning there are no price hikes throughout the lifetime of your home warranty. When it comes time for covered repairs, you can choose your own licensed, insured technician, and repairs are guaranteed for the life of the plan, not just 30 or 60 days.

    We’ve compared this company’s plans based on select coverage items below. It’s worth pointing out that the prices we’ve included are based on a 12-month payment plan over one year of coverage. If you choose a three-year contract, your monthly cost will go up, but the payment term is only 20 months of the 36 you’re covered for.

    Systems PlanSilver PlanGold PlanPlatinum Plan
    Monthly premium cost*$47.83 - $53.42$39.42 - $45$56.25 - $61.92$61.92 - $67.50
    Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125$75, $100 or $125
    Built-in microwavesAdd-onAdd-onAdd-on
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-onAdd-on
    Roof leak repairs
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-onAdd-onAdd-on
    Well pumpAdd-onAdd-onAdd-onAdd-on
    Systems Plan$47.83 - $53.42$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
    Silver Plan$39.42 - $45$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
    Gold Plan$56.25 - $61.92$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
    Platinum Plan$61.92 - $67.50$75, $100 or $125Add-onAdd-onAdd-onAdd-on

    *For a home in Denver at the time of publishing

    Reviews for AFC in Colorado are almost all positive, with people praising the company’s customer service and long-term plans.

    “I went with a three year policy after talking with Luke & Everett because they were thorough in their policy explanations, professional, and explained your process of placing requests,” wrote Catherine from Centennial.

    Mathew from Clifton was also happy with the company. “My experience with Dave and his service representation for AFC falls nothing short of superlative. All questions I had in mind were answered by Dave before I could even ask, excellent customer service. Looking forward to years of quality satisfaction with AFC...”

    Compare Top Colorado Home Warranty Companies

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      What to know about home warranty companies in Colorado

      denver colorado skyline

      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, a home 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.

      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
      • A specific duration of coverage
      • Whether it’s 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, meaning that, at the time of publishing, Colorado has some of the most up-to-date laws regarding service contracts in the nation.

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

      Colorado home warranty FAQ

      Nationwide, home warranties cost about $600 per year on average, with most prices falling between $264 and $1,425 per year depending on the provider and level of coverage. This averages out to about $40 to $60 per month, not including service fees.
      It depends on your home and the coverage you want, but plans from our top picks in Colorado average about $40 to $60 per month. This is roughly on par with the national average. The overall price range in Colorado is a little wider at $30 to $75 per month, though.

      Other factors, like discounts or add-on coverage items, can also affect the cost of your home warranty. Our price quotes don’t include these because they might not apply to everyone, but those factors are worth looking into if you’re shopping for a home warranty 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.

      Bottom line

      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.

      For more information about buying a home warranty, check out the FAQ on our national home warranty buyers guide. We also have information on home warranty costs and coverage insights you can review to help make your decision a little easier.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. Case Law Text, “Colo. Rev. Stat. § 12-10-903.” Accessed November 1, 2021.
      2. Colorado General Assembly, “Sunset Home Warranty Service Contracts.” Accessed November 1, 2021.

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        Compare Top Colorado Home Warranty Companies

        by Taylor Sansano Contributing Writer

        Taylor Sansano has been writing for ConsumerAffairs since 2018. She’s contributed to consumer resources, local guides and company profiles on a wide variety of topics, helping consumers make smart purchasing decisions at multiple stages of life. She holds a bachelor’s degree in journalism and a master’s degree in liberal arts.

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