When choosing between the best home warranty companies in Colorado, it’s crucial to understand each plan’s 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.

More specifically, Colorado homeowners often need coverage for heating system repair and maintenance, given how overworked the system can be in the long, frigid winters. Similarly, water heaters experience a ton of wear in the colder months in CO and can break down more easily than in warmer areas. The high elevation in Colorado can also cause more plumbing blockages, so home warranties that include coverage for these routine plumbing visits are popular in that area.

Best for Customization
liberty home guard logo
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Limited Time: $200 off + 2 Months Free + Roof Leak Protection.
Best Overall Value
select home warranty
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Limited Time: Use code HOUSE25 for $150 off + 2 months free.
Best Coverage Limit
american home shield logo
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Limited Time: $150 off All Home Warranty Plans for new members.
Best Claims Acceptance
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Limited Time: $50 off + 1 month free when you sign up today.

We consider local needs and more in our review to ensure you get the best home warranty for your purposes. To help you in your search, we provide unbiased information regarding products and services, including reviews of major home warranty companies.

Before recommending providers to readers, our reviews team analyzes the number and quality of available plans. We also research customer service ratings, pricing, state availability and more to arrive at an impartial recommendation for the best providers. 

Best Coverage Limits

American Home Shield


Our Rating

Limited Time: $150 OFF All Home Warranty Plans for new members.

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.

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

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 $2,000 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 $4,000. 

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 AppliancesShieldSilverShieldGoldShieldPlatinum
Air conditioners
Heating system
Electrical system
Ceiling fans
Garage door openers
Plumbing system
Water heaters
Whirlpool tub motor and components
Air filter discounts
Built-in microwave ovens 
Clothes washers 
Clothes dryers 
Garbage disposal 
Instant hot/cold water dispensers 
Roof-leak repairsAdd-onAdd-on
HVAC tune-upAdd-onAdd-on
Unlimited A/C Refrigerant
Code violation and permit coverage

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
Most Customizable Plan Options

AFC Home Club


Our Rating

Limited Time: Save Up to $250 + Free Roof Leak Coverage

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.

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

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 appliancesSystems PlanSilver PlanGold PlanPlatinum Plan
Air conditioning and cooler    
Heating systems    
Electrical systems    
Plumbing system    
Water heater    
Clothes dryer    
Clothes washer    
Garbage disposal    
Garage door opener    
Built-in microwave    
Plumbing stoppages   ✓ 
Ice maker   ✓ 

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.

Systems Plan$43.18
Silver Plan$43.18
Gold Plan$52.27
Platinum Plan$59.09
Best Value

Select Home Warranty


Our Rating

Limited Time: Use code HOUSE25 for $150 off & 2 months free.

Budget shoppers can find great value and comprehensive care by purchasing a Select Home Warranty protection plan, which offers affordable plans, a variety of eight add-ons and free roof-leak coverage for policyholders.

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

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 ApplianceBronze CareGold CarePlatinum Care
Clothes washer 
Garbage disposal 
Built-in microwave 
Clothes dryer 
Air conditioning system 
Central heating 
Plumbing system 
Electrical system 
Water heaters 
Plumbing stoppage  
Ceiling fan  

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.

Bronze Care$35.83
Gold Care$35.83
Platinum Care$37.50

Home Warranty Resources

How to Choose the Best Home Warranty in Colorado

Now that you have the top five choices in mind, it’s time to narrow down the choices to the best one for your home. As you can see, we compared things like coverage choices, pricing, overall time in the industry, and more. However, when you narrow down your final plan choices, coverage caps, exclusions, and workmanship guarantees are three critical things to focus on. 

Watch Out for Low Coverage Caps

The coverage cap or coverage limit is how much of a repair or replacement cost the home warranty plan will pay out in the course of a year. Some home warranties come with a $500 cap, and others will have a $3000 cap. Choose something that matches the age and quality of your systems and appliances

Beware of Coverage Exclusions

All home warranty companies have exclusions; however, some will have more than others. Things like window air conditioners or non-built-in microwaves are often excluded. Always make sure to check the fine print of the policy. 

Consider the Workmanship Guarantee

When you pay a service fee to have a technician come to your home and fix an issue, you expect the issue to be fixed for good. However, if the issue comes back after a week or so, you will want to ensure that the home warranty plan covers all costs; this is considered the workmanship guarantee.

In addition to the general things you should consider above, there are some specific coverage options you might want to make sure you take advantage of living in Colorado. For example, Colorado homeowners are well-acquainted with the long, cold winters. Temperatures average below-freezing from November through March and can still be in the 50s in the middle of the summer. The frigid weather puts a ton of strain on your heating system and water heater, so most Colorado residents seek out home warranties that cover these items.

As mentioned above, the high altitude in Colorado can take a toll on your home’s plumbing. The average height above sea level in CO is 6,800 feet. At this altitude, waste pipes can get clogged more easily, leading to frequent plumbing blockages. If you live in a populated area like Denver, clogs can be even more prevalent. As such, it’s a good idea to get a home warranty that has an add-on option for plumbing stoppages, which often isn’t included in general plumbing system coverage.

Finally, many Colorado homeowners have spas to stay warm and enjoy the outdoors even in the dead of winter. Pool and spa coverage is often not covered in home warranty plans, but you might want to consider choosing a plan with spa coverage as an add-on. These fixtures are likely to be put under a lot of stress in the cold Colorado winter, and breakdowns can be quite costly.

Our Verdict

A home warranty can give homeowners 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 to compare rates and choose your best option.

Best Claims Acceptance Rate
logo choice home warranty
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Limited Time: $50 Off + 1 month free when you signup today!
Best Coverage Limit
american home shield
Visit Site
Limited Time: $150 OFF All Home Warranty Plans for new members.
Best for Customization
liberty home guard logo
Visit Site
Limited Time: $200 Off + 2 Months Free + Roof Leak Protection.
Best Overall Value
select home warranty logo
Visit Site
Limited Time: Use code HOUSE25 for $150 off & 2 months free.

Frequently Asked Questions About Colorado Home Warranties

How does a home warranty in Colorado work?

Obtaining a home warranty and the associated coverage is simple. You find the home warranty company that works for you, you choose the plan and optional add-ons you want, pay for your plan, and then wait for coverage to kick in. The coverage will typically begin 30 to 90 days after you choose your plan.

For Colorado homeowners, when an issue comes up with a covered appliance or system, it is very easy to file a claim. The process is as follows:

    • Identify an issue in your home that is covered by your home warranty plan or add-on options

    • File a claim to request service. Most home warranty providers have an online portal system where a service request can be submitted.

    • The claim is then processed, and a homeowner will pay a service fee to schedule the repair for their home.

    • A service technician will typically come out within 24 to 72 hours and should only cost a homeowner the price of the service fee. Most service fees range in price from around $60 to $150.

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.

What does a home warranty Cover?

A home warranty plan offers coverage on your home’s major appliances and systems. Coverage from a home warranty plan will be limited to appliances, systems, and then some add-on coverage options. The appliances typically covered under a home warranty plan are the washing machine, dryer, oven, refrigerator, dishwasher, microwave, and more. System coverage typically includes heating systems, plumbing, water heaters, air conditioning, electrical systems, and more. The add-on coverages can include pool, spa, roof leak, septic system, and sometimes even things like locksmith or pest control.

What is not covered by a home warranty?

Colorado homeowners should know that a home warranty plan is in place just to protect against normal wear. Home warranties do not cover things like cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. You must keep up with preventative maintenance on your home systems and appliances to ensure that your next repair or replacement-related issue will be covered.

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.

Editorial Contributors
Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

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Roxanne Downer


Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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