Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
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Last Updated: February 25, 2025
Buying a home is a big step in many people’s lives, but the cost of maintaining it can be expensive over time, especially if your home in Fort Collins is on the older side. A home warranty plan can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
Choosing the best home warranty on the market can be challenging because of the numerous options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide on the best home warranty providers in Fort Collins.
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
In Fort Collins, Liberty Home Guard is the most trustworthy home warranty. Liberty has been in the home warranty business for around 6 years. Liberty has 3 simple plans, making the selection process easy. 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.
Liberty Home Guard has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Liberty are about $3,000. The service fees are an affordable $75, which is cheaper than other providers in the Fort Collins area.
For a more detailed breakdown, read our full review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can 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
In Fort Collins, Choice Home Warranty is the best overall home warranty. Choice has been in the home warranty business for around 15 years. Choice has 2 simple plans, making the selection process easy. 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.
Choice Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage limits from Choice are about $3,000. The service fees are an affordable $85, which is cheaper than other providers in the Fort Collins area.
For a more detailed breakdown, read our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can 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
In Fort Collins, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty business for around 11 years. Select has 3 simple plans, making the selection process easy. 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.
Select Home Warranty has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is cheaper than other providers in the Fort Collins area.
For a more detailed breakdown, read our full review of Select Home Warranty. To get a free quote from Select Home Warranty, you can 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
In Fort Collins, American Home Shield is the most customizable home warranty. AHS has been in the home warranty business for around 26 years. AHS has 3 simple plans, making the selection process easy. 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.
American Home Shield has 3 plans that offer a mix of appliance and system coverage. The coverage limits from AHS are about $2,500. The service fees are customizable and range from $75 to $125, which is cheaper than other providers in the Fort Collins area.
For a more detailed breakdown, read our full review of American Home Shield. To get a free quote from American Home Shield, you can 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
In Fort Collins, First American Home Warranty is the best home warranty for appliance coverage. First American has been in the home warranty business for around 39 years. First American has 2 simple plans, making the selection process easy. 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.
First American Home Warranty has 2 plans that offer a mix of appliance and system coverage. The coverage limits from First American are about $1,500. The service fees are a reasonable $85, which is cheaper than other providers in the Fort Collins area.
For a more detailed breakdown, read our full review of First American Home Warranty. To get a free quote from First American Home Warranty, you can 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
In Fort Collins, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been in the home warranty business for around 44 years. Cinch has 3 simple plans, making the selection process easy. 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.
Cinch Home Services has 3 plans that offer a mix of appliance and system coverage. The coverage limits from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the Fort Collins area.
For a more detailed breakdown, read our full review of Cinch Home Services. To get a free quote from Cinch Home Services, you can 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
In Fort Collins, The Home Service Club is the best home warranty with the quickest service. HSC has been in the home warranty business for around 15 years. HSC has 2 simple plans, making the selection process easy. 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 Service Club has 2 plans that offer a mix of appliance and system coverage. The coverage limits from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is cheaper than other providers in the Fort Collins area.
For a more detailed breakdown, read our full review of The Home Service Club. To get a free quote from The Home Service Club, you can 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 | $6,567 |
| Heating | $4,378 |
| Electrical | $657 |
| Toilets | $547 |
| Washer/Dryer | $876 |
| Plumbing | $657 |
| Oven | $1,751 |
| Fridge | $657 |
A home warranty is a protection policy that helps Fort Collins homeowners lower the high costs of household repairs. These plans provide financial protection to fix or replace appliances and systems that stop working from normal wear and tear. Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty gives homeowners reassurance, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and functioning appliances might not need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include dishwashers, garbage disposals, refrigerators, washers, dryers, microwaves, and more. Covered systems are normally electrical, heating, air conditioning, and plumbing. Many home warranty providers offer add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. Fort Collins homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. Additionally, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
There are multiple home warranty terms to know before signing an agreement, including:
When choosing a home warranty provider, there are several key factors to consider:
Home warranties vary widely in terms of included coverage. Basic plans typically provide protection for plumbing, heating, electrical, AC, and appliances, while more comprehensive options may also cover pools, well pumps, spas, and roof leaks. Focus on providers with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize your plan to meet your needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for companies with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation can give you insight into things such as contractor quality, approval rates, repair timeliness, and customer service. Check review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and feedback indicate a company known for exceptional service.
Home warranty businesses maintain networks of local professionals to handle repairs in your area. Contact potential providers to learn how many repair professionals they have in Fort Collins and get an idea for how fast your repairs could take place in an emergency situation. More extensive networks increase the probability of getting qualified contractors to swiftly service your home.
Certain home warranty companies provide perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These bonuses can offer extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Home warranties are an inexpensive way to guard your home systems and appliances from normal wear and tear. With temperatures in Fort Collins reaching an average high of 51℃F, you may find that certain appliances, like your air conditioner, get a lot of use. A home warranty can significantly decrease out-of-pocket costs should your HVAC system stop working.
Not only can a home warranty save you some money on repairs and replacements, it saves you time too. Instead of needing to vet contractors by yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Plus, though home warranty companies vary, some providers will let you transfer your warranty in the event that you sell your home. This can make your home more attractive to potential homebuyers and maybe even help your home sell faster.
One major drawback of home warranties is not everything may be covered. It’s important to research the different policies and opt for one that covers all the appliances, systems, and add-ons you need.
Another thing to keep in mind is that some companies don’t cover pre-existing damage and may require an inspection before your coverage can start. Ask the home warranty provider for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty plan costs, on average, about $300 to $600 a year in Fort Collins. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by choosing a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects the entire home in a situation such as a natural disaster or fire. With a homeowners insurance plan, you won't be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Fort Collins.
A home warranty can help homeowners, real estate agents, homebuyers, investors, and home sellers. It can provide peace of mind and savings to anyone involved in homeownership.
The different kinds of home warranties in Fort Collins include plans that cover either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the specific items listed in the contract.
Home warranty plans usually provide coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month options as well.
Typically, the one who owns the home pays for the home warranty. In some cases, though, the one selling the home may buy a home warranty and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Since the average home value in Fort Collins is $552,959, a home warranty can save you some money when buying a home.
