Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
With a variety of seasons in Gypsum, your home systems can experience quite a bit of wear and tear. There’s nothing worse than having your air conditioning go out in the middle of summer. A home warranty can bring you the peace of mind you need and protect your savings account from unexpected expenses by covering your home’s major systems and appliances.
Finding the best home warranty on the market can be difficult because of the many options out there. If you're overwhelmed by trying to compare them all, keep reading for our guide to the best home warranty companies in Gypsum.
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 for Gypsum residents. Liberty has been operating for over 6 years, making it a highly regarded company in the industry. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. Service fees from Liberty are an affordable $75. The coverage caps are also typically around $3,000 at the maximum.
To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. Read more by visiting our review of Liberty Home Guard.
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 for Gypsum residents. Choice has been operating for over 15 years, making it a highly regarded company in the industry. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. Service fees from Choice are an affordable $85. The coverage caps are also typically around $3,000 at the maximum.
To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. Read more by visiting our review of Choice Home Warranty.
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 for Gypsum residents. Select has been operating for over 11 years, making it a highly regarded company in the industry. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. Service fees from Select are a reasonable $60. The coverage caps are also typically around $2,000 at the maximum.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our review of Select Home Warranty.
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 for Gypsum residents. AHS has been operating for over 26 years, making it a highly regarded company in the industry. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also typically around $2,500 at the maximum.
To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. Read more by visiting our review of American Home Shield.
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 for Gypsum residents. First American has been operating for over 39 years, making it a highly regarded company in the industry. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it 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 2 plans from First American are easily comprehensible and offer both system and appliance coverage.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. Service fees from First American are a reasonable $85. The coverage caps are also typically around $1,500 at the maximum.
To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. Read more by visiting our review of First American Home Warranty.
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 for Gypsum residents. Cinch has been operating for over 44 years, making it a highly regarded company in the industry. With a home warranty from Cinch, you can enjoy a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also typically around $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. Read more by visiting our review of Cinch Home Services.
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 for Gypsum residents. HSC has been operating for over 15 years, making it a highly regarded company in the industry. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also typically around $2,000 at the maximum.
To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. Read more by visiting our review of The Home Service Club.
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 | $5,963 |
| Heating | $3,976 |
| Electrical | $596 |
| Toilets | $497 |
| Washer/Dryer | $795 |
| Plumbing | $596 |
| Oven | $1,590 |
| Fridge | $596 |
A home warranty is a protection plan that helps Gypsum homeowners cut the high costs of household repairs. These plans offer financial coverage to repair or swap out appliances and systems that stop working from normal wear and tear.
Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then finds a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs go over the item's coverage limit. A home warranty plan gives homeowners peace of mind since it can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances are dishwashers, microwaves, refrigerators, garbage disposals, dryers, washers, and others. Covered systems include air conditioning, plumbing, electrical, and heating. Many home warranty plans offer add-on coverage for roof leaks, central vacuums, septic systems, and even locksmiths. Gypsum homeowners should know that most home warranty plans begin with a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. You must keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Home warranties use several terms that you'll want to understand before signing a contract, such as:
There are several key considerations when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically cover AC, electrical, plumbing, heating, and appliances, while more comprehensive plans may also cover spas, pools, well pumps, and roof leaks. Look for providers with flexible coverage choices, including upgraded plans. This helps you tailor protection to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with more affordable fees to maximize savings. Some companies also remove deductibles when customers have a claim-free period.
A home warranty company's reputation can offer insight into things such as speed of repairs, approval rates for claims, contractor quality, and customer satisfaction. Use third-party review sites such as TrustPilot, Google Reviews, or the Better Business Bureau (BBB) to research providers. Good ratings and reviews indicate that a company is known for top-tier service.
Home warranty companies maintain networks of professionals to handle covered repairs. More extensive networks improve the probability of getting qualified technicians to promptly service your home. Reach out to potential providers and ask how many contractors they have in Gypsum to get a sense of how quickly your repairs could happen in an emergency.
Certain home warranty providers offer perks such as discounts on maintenance, energy-efficient upgrades, and protection for smart home devices. These offer extra value beyond repair coverage. Added perks can enhance your home and maximize your home warranty.
Gypsum’s hot summers can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty will cover your home’s appliances and systems if they need to be repaired or replaced. For example, if your air conditioner breaks down in the middle of July, a home warranty can cover the needed repairs, preventing you from spending unexpected money out of pocket.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of vetting service technicians on your own, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Plus, having a home warranty can help make your house more attractive to potential homebuyers if you ever decide to sell later. Many home warranty companies will allow you to transfer your plan to a new owner and give them the protection you’ve been getting.
One downside of signing up for a home warranty is that there are generally exclusions. For example, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read over the contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another potential pain point of home warranties is that they don’t cover items that haven’t been properly maintained. This can lead to your claims being rejected, so it’s important to be sure you follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty plan costs, on average, around $300 to $600 a year in Gypsum. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by choosing a higher service fee. Additionally, it's usually less expensive to pay annually rather than monthly.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties 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 larger insurance that protects an entire home from natural disasters, which can be a concern in Gypsum. It doesn't cover a typical appliance or system damage.
Homebuyers, landlords, homeowners, home sellers, and real estate agents are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Gypsum include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers many of your systems and appliances, such as your washing machine, drier, and plumbing. An appliance or system plan will cover only the items mentioned in the plan.
Generally, a home warranty plan lasts for a year and can be renewed yearly. Some companies may offer month-to-month plans.
In general, the homeowner is the one who pays the premium and service fees. However, when buying 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. In Gypsum, where the median value of a home is $219,898, having the seller pay for the home warranty can save you some money on your new home.
