Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
With frigid winters, working home systems and appliances, particularly HVAC, are extremely important for homeowners in Steamboat Springs. A home warranty in Steamboat Springs can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that break down due to normal wear and tear.
Finding the best home warranty on the market can be challenging, since there are so many companies to choose from. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Steamboat Springs for you.
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 is the most trustworthy home warranty in Steamboat Springs. Liberty has around 6 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. When you purchase a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $75.
To read more, visit our full 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 is the best overall home warranty in Steamboat Springs. Choice has around 15 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. When you purchase a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. The coverage caps associated with Choice’s plans are around the $3,000 mark for many major systems and appliances, and service fees are an affordable $85.
To read more, visit our full 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 is the most cost-effective home warranty in Steamboat Springs. Select has around 11 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. When you purchase a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. The coverage caps associated with Select’s plans are around the $2,000 mark for many major systems and appliances, and service fees are a reasonable $60.
To read more, visit our full 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 is the most customizable home warranty in Steamboat Springs. AHS has around 26 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. When you purchase a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. The coverage caps associated with AHS’s plans are around the $2,500 mark for many major systems and appliances, and service fees are customizable and range from $75 to $125.
To read more, visit our full 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 is the best home warranty for appliance coverage in Steamboat Springs. First American has around 39 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. When you purchase a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty 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 plans that First American offers to homeowners are Basic Plan and Premier Plan. The coverage caps associated with First American’s plans are around the $1,500 mark for many major systems and appliances, and service fees are a reasonable $85.
To read more, visit our full 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 is the home warranty with the best workmanship guarantee in Steamboat Springs. Cinch has around 44 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. The home warranty provider offers 3 plans to policyholders, which have various system and appliance coverage options. When you purchase a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch’s plans are around the $1,000-$2,000 mark for many major systems and appliances, and service fees are customizable and range from $75 to $150.
To read more, visit our full 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 is the best home warranty with the quickest service in Steamboat Springs. HSC has around 15 years of experience in the home warranty industry and in that time has built a impressive network of service technicians in the country. The home warranty provider offers 2 plans to policyholders, which have various system and appliance coverage options. When you purchase a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps associated with HSC’s plans are around the $2,000 mark for many major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our full 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 | $6,612 |
| Heating | $4,408 |
| Electrical | $661 |
| Toilets | $551 |
| Washer/Dryer | $882 |
| Plumbing | $661 |
| Oven | $1,763 |
| Fridge | $661 |
A home warranty is a protection policy that assists Steamboat Springs homeowners in lowering the costs of appliance and system repairs. The plans offer financial coverage to replace or repair appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners peace of mind by helping 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, people with newer homes and functioning appliances might not need a home warranty.
Home warranties protect your home systems and appliances. Common covered appliances are microwaves, washers, dishwashers, dryers, refrigerators, garbage disposals, and more. Included systems are typically heating, electrical, air conditioning, and plumbing. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Steamboat Springs homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, cosmetic issues, pre-existing conditions, or improperly using a system or appliance. You must keep up with preventative maintenance to help make sure your next repair or replacement is covered.
There are multiple home warranty terms to know before signing an agreement, including:
There are several key considerations when choosing a home warranty provider:
Home warranty coverage differs significantly when it comes to what's covered. Most plans cover electrical, AC, plumbing, heating, and appliances. More inclusive options also cover other items such as pools, spas, roof leaks, and well pumps. Look for companies with varied coverage options, including upgraded plans. This helps you customize your plan to your home's needs.
With any home warranty claim, you'll pay a service fee that can range from $60 to $100, which gets paid per service call made. 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 firms also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty company's track record provides insight into things such as timeliness of repairs, contractor quality, claim approval rates, and overall customer satisfaction. Use third-party review sites such as TrustPilot, the Better Business Bureau (BBB), or Google Reviews to research providers. Favorable reviews and ratings indicate a company known for stellar service.
Home warranty companies maintain networks of technicians to handle covered repairs. Larger networks increase the probability of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Steamboat Springs to get a sense of how soon your repairs could happen in an emergency.
Home warranty providers might include bonuses such as energy efficiency upgrades, maintenance discounts, and coverage for smart home devices. These can add value beyond repair coverage. Additional perks help maximize the usefulness of the home warranty.
Since temperatures in Steamboat Springs can hit the negatives in the winter, the extreme weather can put a lot of strain on your heating system. Purchasing a home warranty can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not only can a home warranty offer some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a technician and schedule a repair. A home warranty deals with this process by sending trusted professionals to your door when you need them most. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty policy to the new owners. It can make your home more attractive to potential homebuyers and may help your home sell faster.
One main drawback of a home warranty is not everything you care about may be covered. It’s important to weigh the different policies and sign up for one that covers all the appliances, systems, and add-ons you need.
Another possible pain point of home warranties is that they don’t cover items that have been improperly maintained. This can lead to your claims being denied, so it’s important to make sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Steamboat Springs can cost anywhere from $30 to $60 a month. The higher-priced plans typically have a lower service fee, broader coverage, and higher coverage limits. You can often lower this cost by paying annually instead of monthly. Some companies will also decrease your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan helps protect against normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in case of something such as a fire or natural disaster. With a homeowners insurance plan, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is due to a natural disaster, which isn't that common in Steamboat Springs.
Homebuyers, home sellers, homeowners, landlords, and real estate agents can all get home warranty plans. A home warranty can help make your home more appealing to prospective buyers and save you money in the long run.
The different home warranties in Steamboat Springs include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, including your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the specific items listed in the plan.
Home warranty plans generally last a year. Many providers let you renew your plan each year, and some offer month-to-month options as well.
Usually the one who owns the home is responsible for paying for the home warranty. In some cases, though, the home seller may purchase a home warranty and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Considering that the average home value in Steamboat Springs is $1,170,039, a home warranty can be an added asset when buying a home.
