Highlights
  • Liberty Home Guard really stands out to me for its ability to customize plans and include unique benefits like pest control and carpet cleaning. With Colorado’s severe winters, Liberty’s robust coverage options provide reassurance. And while it’s a newer company, positive customer feedback, and ratings show this responsive provider can handle claims.
  • If you value quick fixes, American Home Shield (AHS) responds to most claims within a day. Given the cold weather homeowners face here, fast claims handling is essential to keeping your home warm and preventing your pipes from freezing if your furnace breaks down. AHS also covers unknown preexisting conditions, which is invaluable with older homes.
  • When evaluating providers, focus on exclusions and what exactly is covered to avoid headaches. Make sure all the home systems and appliances you need covered are included under a standard plan or as an optional add-on.
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months Free
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
$150 Off Any Plan
Best Value
select home warranty logo
VISIT SITE
Limited Time:
$150 Off (Code HOUSE25)
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free

Home warranties sometimes get a bad rap in Colorado. You often hear stories of denied claims, confusing contracts, and pushy salespeople. With the state’s extreme weather, repairs can be stressful and expensive, so it’s no wonder people approach home warranty companies skeptically.

I took a deep dive into the top home warranty options available for Colorado residents. I compared real pricing details, analyzed the fine print to find ‌exclusions, and evaluated thousands of customer reviews. I graded each provider on key factors like coverage, customizations, customer service, reputation, and affordability. This research and assessment revealed the five most reputable home warranty companies offering comprehensive coverage at fair rates for Colorado property owners.

My strict assessment process means the providers I recommend can reliably handle claims across the state — including common issues like furnace breakdowns, water heater failures, and plumbing clogs (which are more frequent with the high elevation). With Colorado’s long winters, heating systems and water heaters endure heavy use, and residents rely on coverage for repairs and maintenance. These best home warranty companies in Colorado offer robust coverage to handle these routine issues.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.


    Top 5 Colorado Home Warranty Companies

    Liberty Home Guard: Best For Customization

    My Expert Recommendation

    As I researched providers,  one emerged as the most exceptional: Liberty Home Guard (LHG). LHG’s unique customization options allow for fine-tuning coverage to suit any home. Liberty offers the widest selection of add-ons to safeguard houses — including pest control and carpet cleaning. With extreme weather and unexpected breakdowns possible in Colorado, LHG’s generous coverage maximums and emergency repair services are vital benefits. This extensive coverage provides peace of mind to homeowners worrying over unexpected, costly repairs.

    If your home features luxury or high-end appliances, I recommend American Home Shield. As an established, Better Business Bureau (BBB)-accredited company, it boasts a sterling market reputation. And its coverage caps scale up to $4,000 for most home appliances — with options extending to $5,000 for heating/cooling systems. Those generous limits are more than enough to cover premium appliances. All home warranty plans have exclusions and limitations, of course, so review what each company covers thoroughly before selecting one. However, LHG’s customization options and AHS’s high limits make it easier for Colorado residents to safeguard their homes.

    Today’s Homeowner Tips
    As I researched providers, one emerged as the most exceptional: Liberty Home Guard (LHG). LHG’s unique customization options allow for fine-tuning coverage to suit any home. If your home features luxury or high-end appliances, I recommend American Home Shield.

    Colorado Home Warranty Companies I Didn’t Include

    While established, Landmark Home Warranty lacks accreditation and draws concerning reviews. Despite Landmark’s 18 years in business, its reputation suffers from complaints and poor reviews. While no home warranty satisfies all customers, this history merits caution for prospective buyers.


    Compare The Highest Rated Home Warranties In Colorado

    CompanyStar RatingBest ForMonthly CostService FeeResponse TimeBBB Rating
    VISIT SITE

    Best for Customization

    $50-$60

    $75

    12-48 hrs.

    NR

    Best Coverage Limits

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    Best Customer Ratings

    $44.99-$58.99

    $70

    48 hours

    A+

    choice home warranty logo
    VISIT SITE

    Best Claims Acceptance

    $46–$55

    $85

    24-48 hrs.

    B

    select home warranty logo
    VISIT SITE

    Best Value

    $52–$58

    $60

    24-48 hrs.

    B

    VISIT SITE

    Best for Additional Benefits

    $38–$62

    $75–$125

    48 hours

    B

    first american logo
    VISIT SITE

    Best Appliance Coverage

    $38–$48

    $75–$125

    48 hours

    B

    Best for Preventative Maintenance

    $28–$68

    $100–$150

    2–24 hrs

    B

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

    $50-$60

    $75

    12-48 hrs.

    NR

    VISIT SITE
    AHS Logo

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    $44.99-$58.99

    $70

    48 hours

    A+

    VISIT SITE
    choice home warranty logo

    $46–$55

    $85

    24-48 hrs.

    B

    VISIT SITE
    select home warranty logo

    $52–$58

    $60

    24-48 hrs.

    B

    VISIT SITE

    $38–$62

    $75–$125

    48 hours

    B

    VISIT SITE
    first american logo

    $38–$48

    $75–$125

    48 hours

    B

    VISIT SITE

    $17–$60+

    $65–$100

    2–24 hrs

    A-

    VISIT SITE

    $28–$68

    $100–$150

    2–24 hrs

    B

    VISIT SITE

    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


    Our Reviews of the Best Colorado Home Warranties

    Best for Customization

    Liberty Home Guard

    4.6

    Our Rating

    Limited Time:
    $200 Off + 2 Months Free

    Liberty Home Guard earns positive customer service marks — with 4.7 stars on Google and Trustpilot for service quality. With many other providers averaging just two to three stars, Liberty’s good reputation ensures you’re paying for great quality and customer service. 

    Where Liberty truly excels is customization — offering 40-plus coverage add-ons for unique home systems like central vacuums, casita units, and more. For Colorado residents facing extreme weather, having the flexibility to tailor plans is invaluable. You also get great perks like 60-day workmanship guarantees — exceeding the 30-day industry standard. Between bespoke coverage, an industry-leading reputation, and policy perks, LHG delivers uniquely strong plans that Colorado homeowners can tailor to their repair realities.

    The main drawback of Liberty Home Guard is its low coverage caps of $2,000 — two to three times lower than other providers, such as Elite Home Warranty. And Liberty’s add-ons are more expensive than average, too‌ — averaging $15 monthly, dwarfing the $6 premiums from Elite Home Warranty.

    Additionally, Liberty’s recent 2017 founding shows some inexperience versus longer-running providers. Once enrolled, users report relentless sales calls and a $50 cancellation fee 30 days after your contract starts. Liberty also fixes high, non-negotiable service fees while excluding all preexisting defects.

    So, homeowners seeking maximum coverage levels and financial flexibility should consider more established providers. But for most Coloradans without ultra-high-end systems, Liberty’s customized plans still protect your home sufficiently. Just be aware that its cap limits and pricing aren’t as good as those of other providers.

    With extreme weather, Colorado homeowners need robust protection from unexpected breakdowns. So I strongly recommend considering Liberty Home Guard. Starting around $50 monthly, its plans earn praise as affordable and customizable. Liberty shines through unique coverage add-ons — with options addressing needs like pest control, pools, and carpet cleaning. These flexible add-ons provide peace of mind that all your appliances and systems are covered. And Liberty boasts great customer service ratings from the BBB and other review sites.

    The sole drawback is Liberty’s capped coverage limits of $2,000. These maximums may inadequately cover luxury and high-end appliances. However, for most homeowners with standard systems and appliances, these lower coverage caps are more than enough. On the other hand, Liberty doubles industry standards with a 60-day workmanship guarantee — allowing cost-free repairs for early repeat issues.

    So, if you don’t need high coverage caps and value customization, several optional add-ons, affordable premiums,  and great customer service, LHG is a great choice. 

    Liberty Home Guard has unparalleled coverage customization — with appliance, system, or combined plans and 40-plus add-ons like generators, limited roof leak coverage, electronics protection, and more. For Colorado’s extreme weather risks, this flexibility provides peace of mind. Personally, I would choose the combined Total Home Guard plan for comprehensive protection on both appliances and systems since it costs just $10 more per month than the base plan.

    Pricing is also impressive, starting at an affordable $50 monthly, equaling national averages. Systems Guard and Total Home Guard plans ‌start at $55 and $60, respectively. Most add‌-ons cost an extra $8 to $15 per month, which is slightly higher than average. One drawback is Liberty’s non-negotiable $65 to $125 service fees on repairs.

    But there are some attractive discount opportunities to help offset those charges. For example, when I got a quote, Liberty offered me two months free with an annual payment — a $100-plus saving. I also received a $225 coupon to incentivize enrollment. For Colorado homeowners wanting protection fine-tuned to their unique needs, Liberty brings customizable coverage with discounts to match.

    PlanMonthly CostService FeeAvailable Discounts
    Appliance Guard$49.99$65 $1252 months free, $225 off coupon
    Systems Guard$54.99$65 $1252 months free, $225 off coupon
    Total Home Guard$59.99$65 $1252 months free, $225 off coupon

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Denver, CO. The cost data presented was accurate at the time of publication. 

    Available Add-Ons

    LHG has a wide selection of available add-ons — far more than any other provider on the market. I find the sheer number of options useful. I own a lot of unique appliances, electronics, and systems, and LHG would help me get the most complete coverage for my home.  Here are all of Liberty’s optional add-ons and prices at the time of writing this article: 

    • Carpet cleaning: $19.99/month
    • Casita guest unit: $35.99/month
    • Central vacuum: $8.99/month
    • Ejector pump: $14.99/month
    • Electronics protection: $19.99/month
    • Freestanding ice maker: $14.99/month
    • Generator: $19.99/month
    • Grinder pump: $14.99/month
    • Gutter cleaning: $14.99/month
    • Ice maker (in-fridge): $3.99/month
    • Instant hot water dispenser: $9.99/month
    • Lawn sprinkler system: $9.99/month
    • Lighting fixtures: $7.99/month
    • Limited roof leak: $11.99/month
    • Pest control: $14.99/month
    • Plumbing fixtures: $7.99/month
    • Pool and spa: $19.99/month
      • Additional spa: $9.99/month
    • Power washing (exterior flooring): $19.99/month
    • Pro-series clothes dryer: $4.99/month
    • Pro-series dishwasher: $7.99/month
    • Pro-series microwave: $4.99/month
    • Pro-series range/oven/cooktop: $12.99/month
    • Pro-series refrigerator: $14.99/month
    • Pro-series standalone freezer: $14.99/month
    • Pro-series washing machine: $4.99/month
    • Re-key: $9.99/month
    • Reverse osmosis water filter system: $14.99/month
    • Salt water pool: $23.99/month
    • Second refrigerator: $7.99/month
    • Septic system pumping: $12.99/month
    • Sump pump: $8.99/month
    • Swamp cooler: $14.99/month
    • Trash compactor: $7.49/month
    • TV mounting (up to 65 inch TVs): $14.99/month
    • TV mounting (up to 85 inch TVs): $19.99/month
    • Water dispenser water line: $4.99/month
    • Water softener: $13.99/month
    • Well pump: $12.99/month
    • Window washing/cleaning: $19.99/month
    • Wine cooler/fridge: $11.99/month
    Exclusions

    Liberty Home Guard has the exclusions listed below. Compared to other providers, these are all standard in the industry. 

    • Cosmetic defects
    • Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems
    • Disposal of appliances, systems, or components
    • Electronics, computerized, “smart,” or Internet/enabled components and parts
    • Filters associated with any covered items
    • Fire sprinkler systems
    • Flues, vents, chimneys, and exhaust lines
    • Glass parts
    • Lighting
    • Noise
    • Radon and other leak detection monitoring systems
    • Remote receiving and transmitting devices
    • Solar systems and applications

    Liberty Home Guard offers competitively priced base plans — starting at $49.99 monthly, which is about the industry average. However, its add-on costs are higher than those of most providers,  averaging over $14.99 per month. You’ll also pay a non-negotiable $65 to $125 service fee when filing claims.

    Additionally, Liberty only covers items up to “book value,” so they won’t account for an appliance’s full pre-depreciation value. And their $2,000 cap per item falls well below that of other providers like American Home Shield and Elite Home Warranty.

    However, Liberty offers coverage for unique appliances that others don’t. With add-ons covering reverse osmosis filters and pro-series/luxury equipment, you can customize to suit your needs. So Colorado homeowners with specialty systems find excellent value despite higher add-on costs and lower coverage limits. For traditional homes, be aware of those drawbacks before enrolling. 

    Liberty Home Guard has helpful customer service and seamless online quoting, which delivers easy coverage comparison. I could swiftly customize my plan. I find LHG’s transparency and easy quoting useful. Once you enroll, Liberty also impresses through multiple contact options — chat, phone, and email access — offering convenient support channels.

    Liberty’s waiting period is  30–60 days, depending on the plan you choose, which is about average in the industry. You should also note Liberty’s service guarantee backing repairs, which is extra reassurance your home items are repaired properly.

    No home warranty provider earns such consistently stellar feedback as Liberty Home Guard. Out of thousands of reviews, its positive reviews are leaps and bounds better than those of several major competitors. For Colorado homeowners wanting reliable protection, Liberty should be your choice.

    Overwhelmingly positive responses on Google cement Liberty’s great reputation. Users spotlight standout assistance from representatives, smooth claims processes, and fast issue resolution. In contrast, there are very few negative reviews, with just a couple citing long waits or unexpected fees.

    Liberty also draws praise from employees on Glassdoor, highlighting a supportive company culture empowering great service. With glowing customer and employee appraisals, Liberty Home Guard surpasses competitors in service quality marks — making it a top choice for Colorado homeowners.

    Rating SiteRatingNumber of Reviews
    BBBNR*Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.72,257
    Google4.79,693
    Yelp1.348

    *Under review due to recent complaints as of Feb 2024. Previously an “A+” rating. 

    Editor’s Note: The ratings provided were accurate at the time of publication.

    ​​Note (as of 2/16/24): The Better Business Bureau changed Liberty Home Guard’s A+ rating to “Not Rated.” I contacted the BBB, and was told “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked if they revoke ratings after more complaints, the BBB said it does this to assess the complaints before reissuing an accurate rating. This scenario has happened to Liberty twice in two years, but each time the A+ was restored after a thorough review.

    Liberty Home Guard easily earns top marks from me for its claims service. It has a 12-hour average response time plus invaluable emergency repair options many providers lack. For Colorado’s extreme weather risks, having urgent support available is critical. Liberty shines here and addresses catastrophic failures like pipe bursts, furnace breakdowns, and appliance leaks on an expedited schedule. Homeowners consistently laud the smooth claims process, praising quick payout delivery post-approval. After a standard 30-60 day waiting period, most claims earn green lights within 48 hours, too.

    Liberty Home Guard is available in all 50 U.S. states. With its widespread availability, it has a vast network of local contractors that can swiftly address any issue in your home. 

    Best Coverage Limits

    American Home Shield

    4.3

    Our Rating

    Limited Time:
    $150 Off Any Plan

    American Home Shield (AHS) offers unique coverage, including roof leak protection, and has higher-than-average $2,000 to $3,000  coverage limits. I also like that it covers rust, corrosion, and preexisting conditions and provides customizable service fees. With over 50 years of perfecting contractor partnerships, AHS can tap into specialized help for unique repair needs for Colorado homes. For residents seeking peace of mind against expensive equipment failures, AHS’s expansive coverage and contractor expertise delivers the best protection.

    American Home Shield’s decades of experience raised my expectations for customer reviews, so all the negative feedback on BBB versus other home warranty providers gives me pause. Negative reviews mention transparency gaps and short 30-day workmanship guarantees. Complaints cited unexpected rate hikes alongside claims of delays from immense request volumes straining contractors. That said, most people are willing to share a negative experience rather than a neutral or positive one. Plus, AHS has been in the industry the longest and has had more time to accumulate reviews. So, take these ratings and reviews with a grain of salt. If you want a provider with better reviews,  Liberty Home Guard and Select Home Warranty both have great review rankings. 

    With over 50 years in the industry, American Home Shield leads with its coverage strength, with caps reaching $4,000 for appliances and $5,000 for systems. Several competitor caps hover around just $3,000 — making AHS a superior value, especially for high-end equipment. Its expansive contractor network also has broad, reputable support.

    I found AHS straightforward to quote and shop online. However, despite higher coverage caps than average, its lower-tier plans are lacking. They don’t cover as many appliances and systems as low-tier plans from competitors such as Liberty Home Guard. That said, AHS’s ShieldPlatinum plan offers ​​comprehensive protection at only a slight increase in cost.  At moderately higher premiums, the ShieldPlatinum still beats comparable plans in the items it covers.

    I also praise AHS for covering undetectable preexisting defects, which almost all other providers exclude. And unlike many providers, corrosion and rust qualify under its plans, too. However, some reviewers report extended repair delays despite advertised contractor partnerships. At 30 days, AHS’s workmanship guarantee also trails that of other providers such as Liberty Home Guard and Elite Home Warranty. However, its generous coverage caps and preexisting coverage make AHS a strong choice for Colorado homeowners. 

    AHS’s top option, the ShieldPlatinum plan, uniquely covers roof leaks, which is rare among providers. This top-tier plan also bundles free HVAC tune-ups, allowances for code violations, permits, and modifications that other warranties exclude. With maintenance visits and expansive coverage, AHS provides beyond basic protection.

    All AHS plans have coverage for old and improperly installed equipment plus preexisting conditions. Again, many providers exclude these. This extensive protection brings peace of mind to owners of complex or aging systems vulnerable to Colorado’s weather perils.

    While service fees, at $100 to $125, are higher than the average $75, AHS delivers flexibility through lower monthly premiums or higher service fees. You can select your preferred option. AHS equips Colorado homeowners against breakdowns and unexpected‌ repair costs on the most important home systems and appliances. 

    PlanMonthly CostService Fee*Available Discounts
    ShieldSilver$29.99 $39.99$100 $125Same-day discount
    ShieldGold$49.99 $59.99$100 $125Same-day discount
    ShieldPlatinum$79.99 $89.99$100 $125Same-day discount

    *If you choose the lower service fee of $100, you pay the higher monthly premium. For example, the $79.99 rate for the ShieldPlatinum plan pairs with the $125 service fee.

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Denver, CO. The cost data presented was accurate at the time of publication. 

    Available Add-Ons

    American Home Shield provides these optional add-ons:

    • Electronics protection plan: $14/month
    • Guest unit: $15.99/month
    • Pool & built-in-spa equipment: $18/month
    • Roof leak repair: $10/month
    • Septic pump: $5/month
    • Well pump: $8/month

    Having had to replace a well pump on my first home, I know just how expensive replacing a specialty system can be. With AHS’s low-cost add-ons, you can bundle nonstandard equipment with your plan for reasonable rates and prevent surprise repair expenses.

    Exclusions

    After reviewing an American Home Shield sample contract, I found the exclusions below. These aren’t anything out of the ordinary and are similar to other providers’ exclusions.

    • Damage due to pets or pests
    • Failure to properly clean or maintain home systems or appliances
    • Foundation or structural damage
    • Improper installation, improper wiring, or damage caused by construction activity
    • Manufacturer’s defect
    • Misuse or human error
    • Natural disasters
    • Neglect, rust, corrosion, or sediment
    • Removal of hazardous material

    American Home Shield costs more than some competitors, with higher monthly fees and $100 to $125 service charges. But you get stronger coverage in return. Cheap plans often cap system coverage at around $2,000. AHS extends that to $5,000 — giving much more protection. For pools, its $3,000 limit also triples what basic warranties provide.

    So yes, you pay more per month ‌when filing claims. But that extra cost acts as an insurance policy against Colorado’s extreme weather, which can add more wear and tear to expensive equipment. Appliance and home system repairs or replacements can quickly climb into thousands without coverage. So while AHS lacks a low monthly premium and service fee, its elevated coverage maximums can save you money over time by lowering expensive repair bills. If you have more expensive systems and appliances, the peace of mind the higher coverage caps provide can make the slightly more expensive rates worthwhile.

    I expected great service from American Home Shield as a long standing company. However, I found lots of complaints about unreturned calls and messages. That’s worrying — a leading company should have better communication.

    On the bright side, American Home Shield gives homeowners account managers with multiple ways to contact them. So if one agent lags, you have backup support options. AHS’s 30-day waiting period before coverage kicks in also beats competitors that make homeowners wait 60-plus days.

    American Home Shield’s low BBB, Trustpilot, and Yelp ratings are worrisome. Many complaints involved late contractors, rejected claims, and slow responses. However, many negative reviews come from customers misunderstanding what’s covered and the coverage limits. So it’s important for homeowners to look closely at the contract before signing it. 

    On the plus side, even critical feedback says American Home Shield provides strong coverage when things go smoothly. And AHS replying to every Trustpilot complaint shows the company is diligently trying to make things right.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot2.15,178
    Google2.82,379
    Yelp1.0826

    Editor’s Note: The ratings provided were accurate at the time of publication.

    American Home Shield’s 24/7 customer service and ability to file claims around the clock brings peace of mind. With home failures possible anytime, having reliable help on call is critical — especially for pipe leaks or broken appliances needing quick action.

    After you submit a claim, you can check its status easily online through your account. While simple claims processes meet industry norms, allowing tracking and visibility makes things far less stressful.

    American Home Shield is available in all U.S. states besides Alaska. This means it has local, trusted contractors nationwide who are ready to fix any issues that arise in your home. 

    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    Select Home Warranty (SHW) stands out by covering roofs in all its plans — a rare inclusion that brings huge peace of mind. Most home warranty companies completely exclude roof coverage, even as a paid add-on. But Select bundles it affordably into every product tier by default.

    Beyond the roof coverage, SHW’s monthly premiums trend cheaper than those of competitors, too. So homeowners gain a vital layer of financial security without excessive charges. Select has simplified packages and a longer 90-day repair guarantee, giving it great value for Colorado residents.

    With just nine add-ons available, Select Home Warranty trails leading rivals like Elite Home Warranty, which provides 40-plus options. So Colorado residents with unique home systems may feel underserved. Another limitation is Select’s exclusion of preexisting defects. This creates a risk for homeowners unaware of preexisting issues before enrollment. I advise thoroughly inspecting your home first and confirming everything works properly to prevent claim denial battles later.

    Select also prohibits homeowners from selecting their preferred contractors for repairs. And it imposes tough $75 cancellation fees, which benefit the company over homeowners.

    With clear Gold, Silver, and Platinum plans covering appliances, systems, or both, Select Home Warranty simplifies shopping versus competitors pushing confusing plans. Its affordability stands out, too. It has below-average monthly premiums that beat many competitors like Liberty Home Guard and American Home Shield.

    However, Select’s $3,000 coverage cap for essential systems may not be enough to replace HVAC units and water heaters, which tend to get stressed by Colorado’s extreme weather. Some brands (Elite Home Warranty and American Home Shield) provide two to three times the protection,  so weigh your equipment costs before enrollment. But if you own standard, low-cost systems, Select’s value focus brings reassurance without the need to overspend.

    SHW’s 90-day workmanship guarantee, exceeding the 30- to 60-day industry standard, is worth mentioning as well. This longer workmanship guarantee means Select has strong contractor partnerships and support. With simple choices, reduced pricing, and enhanced coverage terms, Select Home Warranty excels for typical Colorado homeowners wanting financial security, not needless complexity.

    Select Home Warranty simplifies choices with dedicated appliance, system, or combined coverage plans. However, its single-focus Gold and Bronze plans leave major gaps that the Platinum bundle fills for about $4 more per month. At that minor price jump for better protection, I recommend the Platinum to practically all Colorado homeowners.

    Rather than sprinkling protections across confusing tiers like some other providers, Select lets you compare and select precisely what you need. Currently, Platinum has discounted appliance and system coverage in one straightforward package. Plus, Select regularly advertises added savings like two months free and $150 off yearly pricing, which I was offered when I got a quote. 

    PlanMonthly CostService FeeAvailable Discounts
    Bronze Care$44.42$75$150 Off (website), two extra months free
    Gold Care$44.42$75$150 Off (website), two extra months free
    Gold Care$47.75$75$150 Off (website), two extra months free

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Denver, CO. The cost data presented was accurate at the time of publication. 

    Available Add-Ons

    Select Home Warranty offers the following optional add-ons to Colorado residents: 

    • Central Vacuum: $3.33/month
    • Lawn Sprinkler System: $5.83/month
    • Pool: $8.33/month
    • Roof Leak: free
    • Septic System: $5.83/month
    • Spa: $5.83/month
    • Standalone Freezer: $3.33/month
    • Sump Pump: $3.33/month
    • Well Pump: $3.33/month
    Exclusions

    Like all providers, Select Home Warranty has various exclusions from its plans. Looking over a sample contract, I found the following exclusions:

    • Common areas in condominiums or multifamily homes
    • Damage from natural disasters and rust
    • Defects or damages caused by the foundation and structure of the home
    • Incorrect installation or malfunctions due to construction damage or improper wiring
    • Issues with systems or appliances related to hazardous or toxic materials (for example mold, asbestos, and gas leaks)
    • Secondary damage (i.e., your home warranty may cover roof damage but won’t cover water damage caused by a roof leak)
    • Solar heating systems

    These are typical exclusions and not much different than the other providers on this list. 

    Select Home Warranty stands out with its highly affordable premiums at only around $40 monthly‌ — discounts included. The industry average is $50 to $60 per month. This competitive edge reaches across Select’s Bronze, Gold, and Platinum plans, which protect either appliances or systems without the steep upcharges some competitors levy.

    You also have the benefits of choice with Select’s $65 or $75 service fees — both lower cost than the typical $100-plus charges from other home warranty providers. So Colorado residents not only save money up front on Select’s cheaper plans but avoid costly repair visit fees down the road, too.

    I’m impressed by how Select Home Warranty simplifies things for homeowners through its website and online quote system. Getting coverage and cost details online is quick and hassle-free compared to other home warranty providers bombarding shoppers with calls and emails.

    Its website outlines available plans, pricing particulars, coverage specifics, add-ons, and more in plain language. It lets Colorado households educate themselves at their own pace on precisely which protections fit their repair risks and budgets. No pressure, no confusion, no pushy sales nonsense.

    Select Home Warranty has mixed customer reviews. Its Better Business Bureau rating is a mediocre B grade, while online feedback also fluctuates. Positive reviews praise Select’s customer service, easy enrollment process, and quick repairs post-claim. However, negative commenters complain about low reimbursements, claim denials, and incompetent technicians.

    Now, I always take online reviews with a grain of salt since dissatisfied customers tend to shout louder than satisfied ones. And Select’s lower volume of reviews shows fewer dissatisfied buyers than large competitors like American Home Shield.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.74,590
    Google3.819,671

    Editor’s Note: The ratings provided were accurate at the time of publication.

    Filing claims with Select Home Warranty is pretty straightforward — just submit online or call them directly. For non-emergencies, they typically dispatch repair technicians within 48 hours. This response time is typical for home warranty providers. 

    However, 48 hours is too long when it’s summer and your AC gives out or in the cold winter when pipes rupture. Thankfully, Select does have 24/7 emergency services to urgently help, weekends included. So these critical issues get prioritized service.

    Select Home Warranty extends coverage across all 50 U.S. states plus Washington, D.C. And it’s earned an overall positive customer satisfaction rating nationwide. This coast-to-coast coverage shows Select’s reliability for taking care of homeowners, regardless of their location.

    Best Customer Ratings

    Elite Home Warranty

    4.3

    Our Rating

    Limited Time:
    $150 Off + 1 Month Free
    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    Elite Home Warranty earns glowing 4.5- to 5-star appraisals across review sites like Google, Yelp, and Trustpilot — easily beating the home warranty industry’s typical 2- to 3-star reputation. This consistent customer praise highlights Elite’s remarkable service and ability to satisfy users.

    I’m also impressed by Elite’s competitive pricing plus 26 add-ons to customize plans — most rivals offer just six to twelve options. And with Elite’s contract limits hitting $10,000 per system and $6,000 per appliance, Colorado households can tailor their plans to balance affordability and financial security.

    Elite Home Warranty falls short by lacking emergency repair coverage without extra fees, which is a major gap versus competitor policies. When critical systems like HVAC units fail overnight or on weekends, Colorado households need urgent support against frozen pipes and extreme weather threats. But Elite’s $150 surcharge for true after-hours access seems unacceptable from a customer-service-focused provider.
    Another drawback is Elite’s blanket exclusion of commercial-grade equipment — dealbreaking for some homeowners. Elite also voids workmanship guarantees if you use your own technician rather than its contractor network.

    Elite Home Warranty gets my praise for the best coverage caps in the industry. It has $10,000 caps for home systems and $6,000 caps for appliances. Those sums are multiple times larger than the $2,000 to $3,000 limits most competitors offer. For households with numerous high-end systems prone to pricey repairs, Elite brings peace of mind.

    Of its plans, Elite’s Complete plan spanning both appliances and systems, maximizes value for Colorado homeowners. However, a drawback is Elite’s emergency repair services, which are only available during normal weekday business hours unless you pay extra fees. But with 26 add-ons to customize plans, Elite provides more than most companies. That said, certain name-brand equipment triggers surcharges.

    Like other home warranty providers, Elite Home Warranty offers appliance-only, system-only, or combined coverage plans. I recommend the Elite Complete plan for its bundled protection with only a slightly higher premium.

    Where Elite excels is providing coverage caps that far exceed industry norms. For appliances, they pay up to $6,000 per claim — doubling the standard $3,000 limits from competitors. For home systems, Elite’s $10,000  coverage cap is even more impressive.

    With Colorado’s extreme weather constantly wearing down critical home systems and appliances, having higher coverage limits brings more comfort that all your sudden repair costs will be covered. During my research, Elite also offered a 30-day free trial and $150 off for calling to enroll, making it even more affordable.

    PlanMonthly CostService FeeAvailable Discounts
    Elite Appliance$48.99$100$150 sign-up, 30-day trial
    Elite Systems$52.99$100$150 sign-up, 30-day trial
    Elite Complete$59.99$100$150 sign-up, 30-day trial

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Denver, CO. The cost data presented was accurate at the time of publication. 

    Available Add-Ons

    Elite Home Warranty offers the below optional add-ons for Colorado homes. I like the generator coverage option since I own one and understand how expensive they can be to repair and replace. Premium appliance and systems coverage is a plus, too, if you have top-of-line units in your home. 

    • Annual maintenance
    • Central vacuum
    • Drainage, sewer, and water service lines
    • Effluent pump
    • Ejector pump
    • Freestanding freezer
    • Freestanding ice makers
    • Freestanding spa equipment
    • Generator
    • Geothermal heating and cooling systems
    • Grinder pump
    • Guest house
    • Jetted and hot tubs
    • Lawn sprinkler system
    • Lift pump
    • Limited roof leak repair
    • Pool and spa equipment
    • Pool equipment
    • Premium appliances
    • Premium benefits
    • Premium systems
    • Premium systems plus
    • Septic system
    • Sump pump
    • Water softeners
    • Well pump
    • Wine coolers
    Exclusions

    Elite Home Warranty has the following exclusions to its plans:

    • A lack of maintenance
    • Acts of God
    • Commercial-grade appliances
    • Cosmetic damage
    • Natural disaster-related damages
    • Units in a rental property

    These exclusions are typical in the industry. 

    Elite Home Warranty’s monthly premiums generally align with industry pricing, falling between $45 and $60 per month depending on the plan you select. However, phone reps are often vague about add-on fees, which can significantly drive up costs over time. Elite splits coverage between appliances, systems, and combined plans.

    Its $100 service call fee mirrors competitors like American Home Shield, too. However, extra charges add up for Colorado households, including $150 weekend/after-hours surcharges, $150 per visit for premium equipment, and typical $15 to $20 add-on upcharges monthly.

    I found Elite’s website hard to navigate, unlike those of competitors that offer quick and easy quoting. Elite requires you to call in to receive any ballpark premium estimates. And they don’t list add-on fees publicly, either. This differs from the pricing transparency practices other home warranty providers follow.

    However, Elite does boast many positive customer reviews and awards, showing that most homeowners enjoy the service. So while its opaque online pricing approach frustrated me, the company clearly satisfies homeowners through responsive support and coverage.

    As a young home warranty company, Elite Home Warranty has limited online reviews — just under 50 total on sites like Trustpilot and Yelp. This small sample dings its reputation score. However, Elite does hold accredited status and positive ratings from the Better Business Bureau, which makes it credible from my point of view. 

    The few posted reviews are overwhelmingly positive. They mention Elite’s affordable pricing, fast claims handling, and great customer service follow-up. Negative reviews mostly cite frustrations around waiting periods and disorganization. However, those could stem from misunderstandings versus poor business practices.

    Rating SiteRatingNumber of Reviews
    BBBA+Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.744
    Google4.7111
    Yelp5.04

    Editor’s Note: The ratings provided were accurate at the time of publication.

    Elite allows round-the-clock claims filing online or by phone, which meets today’s standards. However, unlike leading providers, Elite doesn’t cover emergency repairs after hours without fees. This can leave Colorado households vulnerable to burst winter pipes or overnight AC failures. However, its response time for standard claims aligns with the 24- to 48-hour response times of other providers.

    Elite Home Warranty is available in 47 states, including Colorado. Since it has close to nationwide availability, you can trust that it has good connections with local contractors to swiftly fix issues that come up in your home. 

    Best for Additional Benefits

    AFC Home Club

    4.3

    Our Rating

    Limited Time:
    $200 off + free roof leak coverage

    Adding to its robust core coverage, AFC also impresses through largely positive customer feedback. This is a rarity in the industry, which is full of consistent complaints. Its range of optional add-ons lets homeowners get the most comprehensive coverage for their homes. 
    AFC Home Club stands out by bundling rare extras like discounted home security, medical benefits, and insurance savings. These- creative perks bring additional value beyond appliance and system coverage. With its impressive customer satisfaction reviews and optional add-ons, AFC has one of the best offerings in the industry. And with Colorado’s average snowfall of 67.30–inches per year threatening households, those supportive, discounted lifestyle bonuses provide financial and living stability other warranty providers don’t match.

    One shortcoming of AFC Home Club is the lack of emergency repair services outside weekday daytime hours. Homeowners must pay extra charges for urgent issues like burst pipes or HVAC failures occurring during nights, weekends, and holidays. But with Colorado’s cold winters, waiting for repairs to avoid fees isn’t an option. Most providers offer 24/7 emergency services and recognize that around-the-clock support is essential. 

    Additionally, while AFC Home Club has up to $3,000 coverage limits, after reading the fine print I found that certain appliances only qualify for a meager $150 to $1,000 in coverage caps. So, make sure you fully review protection item by item to accurately gauge gaps in your plan.

    My overall experience with AFC Home Club is quite positive. With strong BBB ratings and consistent adherence to contract terms, AFC ‌is among my top national home warranty choices. Its user-friendly website makes enrollment easy. You can customize coverage through tiered plans and multiple service fee options, which you can’t do with most competitors. 

    However, AFC has lower coverage caps than other national providers, which can be concerning if you have high-end equipment. Its reimbursement levels fluctuate based on vague home value assessments, too. Yet within its coverage maximums, customers widely praise AFC for seamless claims experiences with knowledgeable technicians.

    Of AFC’s lineup, I’d recommend the Diamond Plan, which bundles systems, appliances, roof leaks, and even electronics together. While it has limitations, this inclusive plan suits all Colorado homes nicely. And by guaranteeing repairs within 48 hours alongside lifetime workmanship warranties, AFC strives to deliver timely, high-quality service when unexpected breakdowns disrupt your home.

    AFC Home Club has four progressively inclusive plans — from a basic appliance-only plan to the exceptional Diamond Plan, which covers electronics, exterior water/sewer lines, and roof leaks. I love this range and flexibility compared to most providers capping at three strict plans.

    The Diamond Plan, in particular, is special, adding electronics protection onto core systems/appliance coverage. Getting smartphones, tablets, and home office equipment covered is rare and extremely valuable, especially for Coloradans who work from home.

    During my shopping, I also discovered excellent AFC discounts like $140 off annual plans or $250 for a three-year policy. Combined with already competitive pricing and the Diamond Plan’s electronics perk, you can save even more with AFC.

    PlanMonthly CostService FeeAvailable Discounts
    Silver Plan$36.83$125Up to $250 off, free roof leak protection
    Gold Plan$51.92$125Up to $250 off, free roof leak protection
    Platinum Plan$57.00$125Up to $250 off, free roof leak protection
    Diamond Plan$91.58$125Up to $250 off, free roof leak protection

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family home, 2 BR, under 5,000 square feet, in Denver, CO. The cost data presented was accurate at the time of publication. 

    Available Add-Ons

    AFC Home Club has the following optional add-ons for Colorado homeowners. 

    • Built-in microwave: $50/month
    • Central vacuum: $25/month
    • Double oven: $25/month
    • Electronics coverage (price depends on your specific electronics)
    • Hot water dispenser: $25/month
    • Ice maker: $25/month
    • In-ground pool: $100/month
    • In-ground pool and spa: $150/month
    • Roof leak (free, worth $25/month)
    • Septic system: $50/month
    • Stand alone freezer: $25/month
    • Sump pump: $35/month
    • Well pump: $50/month
    Exclusions

    After researching AFC’s website and sample contract, I found the following exclusions: 

    • Crane rentals needed to move appliances or systems
    • Geothermal heating systems
    • Haul-away services
    • Light fixtures
    • Code violations
    • Appliances and systems not properly maintained

    AFC Home Club offers competitively priced plans — between $38 and $62 monthly, a bit cheaper than industry averages. Budget-focused homeowners can pick more affordable options covering either key appliances or home systems. Even its top Diamond Plan stays reasonably priced despite uncommon bonuses like electronics and sewer lines that typical warranties exclude.

    I also like that AFC gives multiple service fee choices from $75 to $125. That flexibility lets you balance higher deductibles per repair visit against lower monthly rates. However, complex add-ons quickly raise costs — so know those extras may add $15-plus atop your base premium.

    It’s important to review a sample AFC contract to confirm what coverage maximums apply for different items. While advertising up to $3,000 limits, fine print shows lower payouts of $150 to $500 for certain items.

    I found AFC Home Club’s website wonderfully user friendly. It neatly organizes different plans, coverage tiers, and add-ons so Colorado households can easily customize suitable policies matching their budget and needs. And rather than a single sample contract like some providers, AFC supplies a transparent example agreement illustrating each plan’s specifics. This simplified shopping process deserves my high rating.

    AFC also avoids pushy sales tactics that irritate customers. Its 24/7 availability proves more convenient for urgent issues, too. Additionally, customer feedback cites great communication and professional services addressing claims — two of the most important factors for positive experiences.

    AFC averages a decent 3.7 rating on Google, which easily beats scores typically hovering in the low 2s for top home warranty providers. Many AFC users cite quick contractor dispatch, fast claims experiences, and reasonable reimbursements. Some negative reviews mention coverage loopholes, cancellation fees, and misunderstandings of the contract. 

    AFC Home Club has far fewer reviews than big-name rivals — just 194 total recently versus thousands for leading brands. However, AFC is prompt to close complaints and respond to most negative reviews. And with BBB accreditation since 2015, AFC’s reputation is solid.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.024
    Google3.71,602
    Yelp1.9336

    Editor’s Note: The ratings provided were accurate at the time of publication.

    I love AFC’s lifetime workmanship guarantee on repairs, exceeding the industry’s typical 30- to 90-day coverage windows. If technicians need to revisit fixes, you pay nothing extra for the entire policy duration. Between in-house servicing and lifelong workmanship backing, AFC makes the process reliably smooth.

    However, it lacks emergency repair options outside business hours or on holidays. This can force households to wait or pay extra charges for time-sensitive issues. Emergency services are an essential shortcoming for Colorado residents facing seasonal risks of flooding, freezing, electrical storms, and more that can spiral rapidly. While otherwise responsive, I recommend you consider AFC’s wait times for crises before you sign up.

    AFC Home Club offers its plans in 48 U.S. states, excluding California and Hawaii. This shows its commitment to customers nationwide as well as its long-term stability. 


    Calculate the Cost of Colorado Home Warranty

    Use our home warranty cost calculator for help determining your annual cost for a new home warranty plan in Colorado. Simply input your monthly premium, the estimated number of service visits per year, and the standard service call fee. The calculator will then output your estimated total yearly cost. 

    Appliance Average Repair Cost Average Replacement Cost
    Dehumidifier $50–$200 $1,300–$2,800
    Microwave $50–$400 $60–$2,000
    Dishwasher $50–$500 $400–$3,000
    Exhaust Fans $16–$300 $250–$950
    Electric Range $100–$500 $230–$3,000
    Gas Range $100–$500 $230–$3,000
    Dryer $100–$400 $450–$2,300
    Oven $100–$430 $400–$3,000
    Washer $50–$450 $400–$2,300
    Freezer $90–$500 $160–$2,900
    Refrigerator $40–$350 $200–$5,000

    Colorado Home Warranty Regulations

    In Colorado, home warranty companies operate under state law (Title 12, Article 10) administered by the Division of Real Estate. Homeowners can file complaints with the Division for any questionable business practices or policies that seem deceptive.

    With the recent passage of 2023 Colorado House Bill 23-1134, amendments now apply specifically to home warranty service contracts and appliance replacements. Starting July 1, 2024, new or renewed home warranty plans issued in Colorado must allow property owners to swap out gas-powered systems and appliances for electric alternatives. This includes HVAC systems, furnaces, boilers, and water heaters. Under the regulations, if a gas-fueled version of one of these systems or appliances fails, the home warranty company must cover its replacement with a comparable heat pump model selected by the homeowner.

    Colorado Home Warranty News

    Colorado recently passed legislation to help homeowners replace appliances with more efficient ones through their home warranty providers. The Colorado House Bill 1134 aims to reduce the alleged health risks of indoor gas appliances by allowing their replacement with electric equivalents through home warranty providers. This bill goes into effect on service contracts starting on or after July 1, 2024. It requires home warranty providers to give Colorado homeowners the option of replacing a failed gas appliance with an equivalent electric one, that meets the state’s efficiency requirements. This gives Colorado homeowners an additional bang for their buck on new home warranty plans.

    Our Top Pick
    Best for Customization
    VISIT SITE
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    Best Coverage Limits
    AHS Logo
    VISIT SITE
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    $150 Off Any Plan
    Best Value
    select home warranty logo
    VISIT SITE
    Limited Time:
    $150 Off (Code HOUSE25)
    Best Customer Ratings
    VISIT SITE
    Limited Time:
    $150 Off + 1 Month Free

    FAQs about the Best Home Warranties in Colorado

    Do You Need a Home Warranty in Colorado?

    Colorado’s high amounts of yearly snowfall, high winds,  and low temperatures can lead to costly repairs like furnace issues or pipe bursts, so a home warranty can provide valuable protection. The state’s laws also make home warranties an attractive option for both buyers and sellers during real estate transactions.


    How Much Does a Home Warranty Cost in Colorado?

    The average cost of a home warranty in Colorado is $620 per year, or $52 per month. Read our guide on home warranty costs to learn more.


    How To Save Money When Shopping for Home Warranties In Colorado?

    You should compare rates and coverage from multiple highly rated providers and look for discounts like multi-year plans, coupons, or bundling with your home insurance policy.


    Is a Home Warranty Worth It for Colorado Homeowners?

    A home warranty is worth it for Colorado homeowners because of the freezing temperature risks and the potential for expensive appliance and system repairs. Our guide on the worth of home warranties provides more details. 



    Other Resources for Colorado Homeowners

    Editorial Contributors
    avatar for Jonathon Jachura

    Jonathon Jachura

    Contributor

    Jonathon Jachura is a two-time homeowner with hands-on experience with HVAC, gutters, plumbing, lawn care, pest control, and other aspects of owning a home. He is passionate about home maintenance and finding the best services. His main goal is to educate others with crisp, concise descriptions that any homeowner can use. Jon uses his strong technical background to create engaging, easy-to-read, and informative guides. He does most of his home and lawn projects himself but hires professional companies for the “big things.” He knows what goes into finding the best service providers and contractors. Jon studied mechanical engineering at Purdue University in Indiana and worked in the HVAC industry for 12 years. Between his various home improvement projects, he enjoys the outdoors, a good cup of coffee, and spending time with his family.

    Learn More

    photo of Irma Omerhodzic

    Irma Omerhodzic

    Irma Omerhodzic, an accomplished editor for Today's Homeowner, brings a wealth of expertise to her role. Holding both a Master's and Bachelor's degree from the E.W. Scripps School of Journalism at Ohio University in Athens, Ohio, Irma is a member of Kappa Tau Alpha, a national honor society in journalism. Beyond her successful editorial career, Irma is a dynamic professional who holds an active real estate license in Ohio. She is proudly affiliated with Howard Hanna, a nationally acclaimed real estate company that stands as the third-largest in the country. In her spare time, Irma finds joy in outdoor adventures, frequently embarking on hikes with her dog. Her love for exploration extends beyond nature, as she equally delights in traveling to new destinations and savoring culinary delights.

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