Best Home Warranties in Denver, CO

Choosing a home warranty in Denver means thinking carefully about your local climate as well as your home’s specific needs. Compare plans not just for price, but for what’s actually included and how payout limits stack up. Here’s a full guide to making your choice:

1. Decide what coverage you need

Begin by deciding if you want appliance coverage, systems coverage or a combination plan. If your heating and AC are older, or if your appliances are already under a manufacturer's warranty, you may lean toward a systems-only plan. Most Denver homeowners will benefit from a combo plan since both HVAC and appliances are vulnerable to local conditions.

Denver’s high elevation and extreme seasonal swings put year-round stress on HVAC systems. Prioritize a warranty with a high coverage cap for your furnace, as it's your most critical system. Closely examine the AC coverage caps as well.

2. Compare costs

Don’t look at just the monthly premium. Add up what you’ll pay over the year, including service fees — especially if you expect to file more than one claim. Coverage caps can also make a big difference if a major system goes down.

Pay attention to the cost of extra add-ons and any discounts if you pay annually. These can quickly change your total annual cost.

3. Review sample contracts

Most home warranty companies make sample contracts available online. Read these to understand what’s really covered and what’s excluded, especially regarding severe weather.

Carefully read the contract's weather exclusion clauses. Policies generally classify hail as an "Act of God," which would void coverage.

4. Read customer reviews

Customer reviews from Denver are a valuable source of insight into how each company actually performs. Positive reviews often mention straightforward claims and responsive service, while negative reviews can indicate coverage gaps or delays. 

» MORE: Questions to ask a home warranty company

The average annual cost of a home warranty is $684 as of June 2025. In Denver, you’ll typically pay between $360 and $1,080 per year for a home warranty, depending on your plan and the options you select. Your monthly premium depends on the level of protection and the optional add-ons you choose.

Cost range by home warranty provider

Monthly or annual premiums

Denver providers let you pay monthly or up front for a year. Paying annually can often net you a discount, but monthly payments may work better if you want to spread out your costs.

Denver resident Michael loved the flexibility Regency gave him with spreading out his warranty payments. “Usually, people say I need to pay $500 upfront, but I can't do that. Regency Total Warranty helped me. I could pay each month directly from my bank account without needing to make a big upfront payment.“

Service call fees

Every time you request a repair, you’ll pay a service fee — usually between $75 and $150 per visit. This is like a deductible, so factor it in when calculating your real yearly cost, especially if you anticipate several claims.

Add-on coverage

Personalize your protection with add-ons like roof leak or pool coverage. These range from $2 to $25 per month per item, so your final price can reflect the extras you need for your specific home.

Other home warranty cost factors

Home warranty prices are also affected by:

• Home size and type: More square footage or additional systems usually mean higher premiums.
• Level of coverage: Basic plans are cheaper but may not cover what you need. Comprehensive plans cost more but can prevent surprises.
• Location: Denver’s climate directly impacts home warranty prices. With frequent furnace and AC claims, as well as hard water issues, you may notice premiums on the higher side compared to other markets.
• Discounts: Look for promotions, such as annual payment discounts or multi-year deals.

Example: total annual home warranty costs

• Comprehensive coverage ($55 per month): $660 per year
• Add-on for roof leak repair ($8 per month): $96 per year
• Two claims ($100 service fee): $200
• Total: $956 per year

Denver home warranty plans generally fall into three main categories: appliance, systems and combination plans. You can use this home warranty coverage guide to see what’s standard, but the basic breakdown is as follows:

• Appliance plans typically include kitchen and laundry appliances such as refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
• Systems plans cover essential home systems like heating (furnace), air conditioning, plumbing, electrical and water heaters.
• Combo plans are best for Denver homes, covering both systems and appliances for more complete protection. They also generally offer higher coverage caps.

Add-ons are a practical way to customize your coverage. Roof leak protection is an especially common add-on in Denver. Other valuable add-ons include central humidifier coverage and protection for water lines.

Hard water in Denver can also lead to faster wear on dishwashers, washing machines and water heaters — coverage on these appliances may be more valuable.

» MORE: How to get the most from your home warranty

The amount you save with a home warranty depends on how often your covered systems or appliances break down. In Denver, a single repair or replacement of a furnace or AC condenser after hail can easily exceed the cost of a year’s premium.

Many homeowners find that paying for a warranty is far more cost-effective than covering repairs out of pocket. Michelle from Denver has had her AHS warranty since 2009, and says it’s saved her money in the long run: “It's far cheaper to pay the service fee than to replace everything on our own.”

The Consumer Financial Protection Bureau recommends saving 1% to 3% of your home’s value annually for repairs. A home warranty can noticeably reduce your out-of-pocket expenses if you avoid even one major repair.

Average repair/replacement costs for covered items

In a city like Denver, where four distinct seasons test HVAC systems and heavy storms can cause roof leaks and plumbing problems, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Denver without a home warranty: