When choosing between the best home warranty companies in Colorado, it’s crucial to understand the terms and conditions, coverage limitations and costs. Whether your Colorado home is located against a Rocky Mountain backdrop or in a busy city like Denver, a home warranty protects you from the repair cost of expensive breakdowns.
Because of the bitter winters in some areas of the Centennial State, your family can’t afford an inoperable heating system or malfunctioning water heaters. Home warranties are the answer, and an independent reviews team did the homework on Colorado residents’ best options. So, without further delay, here they are!
In This Article:
- Best Overall in: American Home Shield
- Most Customizable Plan Options: America’s First Choice Home Club
- Best for Value Shoppers: Select Home Warranty
- Our Verdict
- Frequently Asked Questions
Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions.
The reviews are always independent. For transparency, we may be compensated if you purchase through a link.
To help you in your search, the reviews team provides unbiased information regarding products and services, including reviews of major home warranty companies.
Before recommending providers to readers, the reviews team analyzes the number and quality of available plans. They also research customer service ratings, pricing, state availability and more to arrive at an impartial recommendation for the best providers.
Best Overall: American Home Shield
Quick Take
The reviews team’s recommended provider for the best home warranty Colorado residents can trust is American Home Shield. The company is available in 49 states and has developed a solid reputation since its founding in 1971.
Pros and Cons
✓ Includes improper installation and repair coverage in each plan
✓ Responds quickly to claims — the company states that 98% of claims are answered within 24 hours
✓ Provides coverage for unknown pre-existing conditions on appliances and systems
✘ Short repair guarantee period of only 30 days
✘ Relatively high premium pricing compared with other providers on this list
Plans and Coverage
American Home Shield offers three plans ranging from specialized to comprehensive. ShieldSilver includes coverage for home systems such as plumbing and electrical, as well as items like ceiling fans and garage door openers. ShieldGold includes this coverage as well as adding on large home appliances such as clothes washers and dryers, dishwashers and refrigerators.
ShieldGold covers up to $3,000 for appliance repairs and replacements, depending on the item. ShieldPlatinum covers all items included in both ShieldSilver and ShieldGold, plus coverage for roof-leak repairs, and increases the appliance coverage cap to $6,000.
AHS also offers optional coverage for your additional items around your home, such as a guest unit, well pump, septic pump, electronics, pool and spa.
Here are the details on all three plans:
| Systems and Appliances | ShieldSilver | ShieldGold | ShieldPlatinum |
|---|---|---|---|
| Air conditioners | ✓ | ✓ | ✓ |
| Ductwork | ✓ | ✓ | ✓ |
| Heating system | ✓ | ✓ | ✓ |
| Electrical system | ✓ | ✓ | ✓ |
| Ceiling fans | ✓ | ✓ | ✓ |
| Doorbells | ✓ | ✓ | ✓ |
| Garage door openers | ✓ | ✓ | ✓ |
| Plumbing system | ✓ | ✓ | ✓ |
| Water heaters | ✓ | ✓ | ✓ |
| Whirlpool tub motor and components | ✓ | ✓ | ✓ |
| Rekey | ✓ | ✓ | ✓ |
| Air filter discounts | ✓ | ✓ | ✓ |
| Built-in microwave ovens | ✓ | ✓ | |
| Clothes washers | ✓ | ✓ | |
| Clothes dryers | ✓ | ✓ | |
| Dishwashers | ✓ | ✓ | |
| Garbage disposal | ✓ | ✓ | |
| Instant hot/cold water dispensers | ✓ | ✓ | |
| Range/oven/cooktop | ✓ | ✓ | |
| Refrigerators | ✓ | ✓ | |
| Roof-leak repairs | Add-on | Add-on | ✓ |
| HVAC tune-up | Add-on | Add-on | ✓ |
| Unlimited A/C Refrigerant | ✓ | ||
| Code violation and permit coverage | ✓ |
Cost
American Home Shield offers three service call fee options at $75, $100 and $125 per visit, allowing customers to choose what they pay as a one-time fee each time a technician comes out to assess and repair damaged systems or appliances in the home. Choosing a higher service fee will result in lower monthly premiums, and vice versa. We requested all of our quotes by secret shopping for the same single-family home in Denver.
Take a look at the monthly costs for each plan:
| Plan | $75 Service Fee | $100 Service Fee | $125 Service Fee |
| ShieldSilver | $44.99 | $34.99 | $29.99 |
| ShieldGold | $54.99 | $44.99 | $39.99 |
| ShieldPlatinum | $74.99 | $64.99 | $59.99 |
Get a Free Quote
You can receive a quote from American Home Shield by filling out this easy form or by calling 888-529-9298.
Home Warranty Resources
- What is a Home Warranty?
- How Much Do Home Warranties Cost?
- Is a Home Warranty Worth It for You?
- Best Home Warranties in 2023
- Do Your Appliances Need Extended Warranties?
Most Customizable Plan Options: America’s First Choice Home Club
Quick Take
When you need numerous options from a home warranty provider in Colorado, America’s 1st Choice (AFC) Home Club offers multiple packages. The group provides coverage in 48 states, excluding California and Hawaii, and allows homeowners to select a technician in many cases.
Pros and Cons
✓ Offers club members perks such as credit monitoring and discounts on home security items
✓ Allows customers to choose their technician
✓ Provides numerous coverage options
✘ Differing coverage limitation amounts might be confusing to understand
✘ Can offer higher prices than competitors
Plans and Coverage
AFC Home Club offers separate levels of coverage with varying degrees of protection for covered items. The Systems Plan covers the basic systems in the home such as air conditioning and ductwork, while the Silver Plan covers large appliances, including refrigerators and dishwashers. AFC Home Club’s Gold Plan combines the coverage of both the Systems and Silver plan for more comprehensive coverage. Finally, the Platinum plan builds on the Gold Plan’s coverage with the additional inclusions for built-in microwaves, ice makers and plumbing stoppages.
To include even more customization, add-on coverage is available for sump pumps, septic systems, hot water dispensers, pool and spa, standalone freezer and tankless water heater.
| Systems and appliances | Systems Plan | Silver Plan | Gold Plan | Platinum Plan |
| Air conditioning and cooler | ✓ | ✓ | ✓ | |
| Heating systems | ✓ | ✓ | ✓ | |
| Electrical systems | ✓ | ✓ | ✓ | |
| Plumbing system | ✓ | ✓ | ✓ | |
| Water heater | ✓ | ✓ | ✓ | |
| Ductwork | ✓ | ✓ | ✓ | |
| Clothes dryer | ✓ | ✓ | ✓ | |
| Clothes washer | ✓ | ✓ | ✓ | |
| Refrigerator | ✓ | ✓ | ✓ | |
| Oven | ✓ | ✓ | ✓ | |
| Range | ✓ | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | ✓ | |
| Garbage disposal | ✓ | ✓ | ✓ | |
| Garage door opener | ✓ | ✓ | ✓ | |
| Built-in microwave | ✓ | |||
| Plumbing stoppages | ✓ | |||
| Ice maker | ✓ |
Cost
AFC Home Club offers fairly consistent prices across plans, with a $16 spread from the most inexpensive plans to the most comprehensive Platinum Plan. The company’s service fee is $75 for all plan types.
| Plan | Cost |
| Systems Plan | $43.18 |
| Silver Plan | $43.18 |
| Gold Plan | $52.27 |
| Platinum Plan | $59.09 |
Get a Free Quote
If you would like a free quote from America’s First Choice, simply fill out this form. Or, you can call 877-755-1115 to speak with a representative.
Best for Value Shoppers: Select Home Warranty
Quick Take
Budget shoppers can find great value and comprehensive care by purchasing a Select Home Warranty protection plan, which offers affordably priced plans, a variety of eight add-ons and free roof-leak coverage for policyholders.
Pros and Cons
✓ Affordable pricing for both contracts and service fees
✓ Free roof protection is included with all packages
✓ Substantial 90-day repair guarantee
✘ Appliances are only covered up to $500
✘ Coverage caps can be significantly restricted without proof of service records
Plans and Coverage
Select Home Warranty offers three different packages for home protection, with Bronze Care focusing on home appliances such as garbage disposals and cooktops, Gold Care covering systems such as plumbing and electrical, and Platinum Care combining both coverage plans and adding plumbing stoppages and ceiling fans. In addition, each plan includes free roof-leak coverage, which is an uncommon offering across home warranty companies.
For add-on coverage, the company has options for septic system, stand-alone freezer, sump pump, well pump, central vacuum, lawn sprinkler system, pool and spa.
| System or Appliance | Bronze Care | Gold Care | Platinum Care |
| Clothes washer | ✓ | ✓ | |
| Garbage disposal | ✓ | ✓ | |
| Refrigerator | ✓ | ✓ | |
| Stove/oven | ✓ | ✓ | |
| Built-in microwave | ✓ | ✓ | |
| Cooktop | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | |
| Clothes dryer | ✓ | ✓ | |
| Air conditioning system | ✓ | ✓ | |
| Central heating | ✓ | ✓ | |
| Plumbing system | ✓ | ✓ | |
| Electrical system | ✓ | ✓ | |
| Water heaters | ✓ | ✓ | |
| Ductwork | ✓ | ✓ | |
| Plumbing stoppage | ✓ | ||
| Ceiling fan | ✓ |
Cost
Select Home Warranty is widely acclaimed for its exceptionally low-cost plans, with each of the Colorado quotes we received at less than $40, lower than the national average for home warranty plans. The service call fee for the company can range between $75 and $100, depending on your contract’s length.
| Plan | Cost |
| Bronze Care | $35.83 |
| Gold Care | $35.83 |
| Platinum Care | $37.50 |
Get a Free Quote
If you’re interested in purchasing from one of the best home warranty companies in Colorado for those on a budget, enter your ZIP code here, and receive an instant quote. If you prefer the phone, customer service agents can assist you in getting a quote at 888-370-3956.
Our Verdict
A home warranty can provide homeowners with peace of mind that they won’t be left with hefty bills when their home needs attention. For a small service fee, or deductible, your Colorado home warranty can help you to repair or replace the systems and appliances that you rely on.
Our top choice for a reliable, affordable home warranty is American Home Shield, taking first place in our research for Colorado homeowners. However, we recommend getting three quotes from among the providers on this list in order to compare rates and choose your best option.
Frequently Asked Questions About Colorado Home Warranties
Are home warranty plans worth it in Colorado?
Home warranty plans are worth it for Colorado homeowners hoping to avoid paying for costly repairs out of pocket. No one ever plans to have an emergency with their home appliances or systems, but with a home warranty, it’s possible to be protected against expensive repairs and replacements.
Will home warranty plans replace HVAC systems?
Certain home warranty plans can replace HVAC systems, depending on their coverage caps and terms and conditions. We recommend American Home Shield for the most comprehensive HVAC coverage.
How much does a home warranty cost?
In our research of the top home warranty companies, our reviews team found that home warranties in Colorado typically cost between $300 and $500 annually. In most cases, the higher the cost, the higher the amount of coverage.
Home Warranty Rating Methodology
To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:
- Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
- Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
- Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
- State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
- Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.
To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.
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