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Last Updated: February 25, 2025
With hot summers and cool winters, maintaining your home appliances and systems, particularly your HVAC, is very important for homeowners in Columbine. A home warranty is a way to protect your budget from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
The home warranty market is saturated with a lot of providers — all with different price points — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Columbine.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty in Columbine. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered appliance or system.
For a more detailed breakdown, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty offers the best overall home warranty in Columbine. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered appliance or system.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty offers the most cost-effective home warranty in Columbine. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered appliance or system.
For a more detailed breakdown, read our review of Select Home Warranty. To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield offers the most customizable home warranty in Columbine. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered appliance or system.
For a more detailed breakdown, read our review of American Home Shield. To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty offers the best home warranty for appliance coverage in Columbine. First American has established itself as a company with very affordable and comprehensive appliance coverage. It also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered appliance or system.
For a more detailed breakdown, read our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services offers the home warranty with the best workmanship guarantee in Columbine. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The home warranty provider offers 3 plans to policyholders with various system and appliance coverage options.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered appliance or system.
For a more detailed breakdown, read our review of Cinch Home Services. To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service in Columbine. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The home warranty provider offers 2 plans to policyholders with various system and appliance coverage options.
The Home Service Club has 2 plans that offer a mix of appliance and system coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered appliance or system.
For a more detailed breakdown, read our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,743 |
| Heating | $4,495 |
| Electrical | $674 |
| Toilets | $562 |
| Washer/Dryer | $899 |
| Plumbing | $674 |
| Oven | $1,798 |
| Fridge | $674 |
A home warranty is a protection plan that helps Columbine homeowners in reducing the expenses of appliance and system repairs. The plans offer coverage to swap out or fix appliances and systems that malfunction due to normal wear and tear. When something stops working, you file a claim and pay a service fee. The home warranty provider then finds a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives reassurance to homeowners, as it helps prevent costly emergency repairs. Home warranties are especially useful for older construction homes with aging systems. New homes with modern appliances might not need a home warranty.
Home warranties help protect both your home systems and appliances. Common covered appliances include garbage disposals, refrigerators, dryers, dishwashers, washers, microwaves, and others. Covered systems include heating, air conditioning, electrical, and plumbing. Many home warranties offer additional add-on coverage options for septic systems, locksmiths, central vacuums, and even roof leaks. Most home warranty plans require Columbine homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Additionally, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty words to understand before signing a contract:
There are several key factors to consider when selecting a home warranty provider:
Home warranties differ greatly in the items covered. Basic policies typically provide protection for electrical, heating, AC, plumbing, and appliances, while more comprehensive options may also cover pools, spas, roof leaks, and well pumps. Look for providers with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a company with lower service fees to maximize savings. Some companies also remove deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's reputation provides insights into factors such as contractor expertise, repair speed, claim approval rates, and customer satisfaction. Check review sites like TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to learn more about providers. Good ratings and feedback suggest a company known for delivering quality service.
Home warranty providers have networks of contractors to handle covered repairs. Wider networks improve the likelihood of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Columbine to get a sense of how soon your repairs could happen in an emergency.
Some home warranty companies include perks such as energy efficiency upgrades, smart home device coverage, and reduced maintenance fees. These can provide extra value beyond repair coverage. Added bonuses help you enhance your home and get the most from your warranty policy.
Since temperatures in Columbine can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Getting a home warranty plan can help homeowners save money if one of these systems or appliances breaks suddenly.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of needing to vet service technicians by yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Additionally, though home warranty companies vary, some providers will allow you to transfer your warranty if you sell your home. This can make your property more attractive to potential homebuyers and help your home sell faster.
As for the negatives of home warranties, home system and appliance coverage varies by provider, so it’s important to review what each plan covers and excludes in the contract.
Another stipulation is that home warranties typically only cover malfunctions due to normal wear and tear. They often won’t cover systems or appliances that have stopped working due to improper maintenance, natural disasters, animal infestations, etc.
A home warranty policy costs, on average, around $300 to $600 a year in Columbine. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can decrease your monthly bill with some companies by opting for a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different insurance that protects an entire home from natural disasters, which can sometimes be a concern in Columbine. It doesn't cover a normal appliance or system repairs.
A home warranty can help homeowners, homebuyers, real estate agents, investors, and home sellers. It can provide peace of mind to anyone involved with homeownership.
The different types of home warranties in Columbine include plans that cover either appliances or systems as well as combination plans. A combination plan will cover many of your home systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items listed in the policy.
Generally, a home warranty lasts for a year and can be renewed yearly. Some companies may offer month-to-month options.
Usually, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees when using the policy. In Columbine, where the median value of a home is $613,157, having the seller pay for the home warranty can save you some money on your new home.
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