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Last Updated: February 25, 2025
Owning a home in Westminster has a lot of great benefits, but there are some downsides. The weather throughout the four seasons can cause problems in a home and lead to wear and tear on systems like your HVAC. A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
The home warranty market has many providers — all with different offerings — so the Today's Homeowner team has done the research to help you find the best home warranty companies in Westminster.
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 Westminster residents. Liberty has been operating for more than 6 years, making it a respected company in the industry. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for you to choose from.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
For more information, 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 is the best overall home warranty for Westminster residents. Choice has been operating for more than 15 years, making it a respected company in the industry. If you’re looking for very high coverage caps and simple-to-understand service contracts, Choice is the perfect provider for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for you to choose from.
The plans that Choice offers to homeowners are Basic Plan and Total Plan. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
For more information, 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 is the most cost-effective home warranty for Westminster residents. Select has been operating for more than 11 years, making it a respected company in the industry. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, Select is the perfect provider for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for you to choose from.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
For more information, 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 is the most customizable home warranty for Westminster residents. AHS has been operating for more than 26 years, making it a respected company in the industry. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, AHS is the perfect provider for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for you to choose from.
The plans that AHS offers to homeowners are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
For more information, 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
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 Westminster residents. Cinch has been operating for more than 44 years, making it a respected company in the industry. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, Cinch is the perfect provider for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for you to choose from.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
For more information, 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 is the best home warranty with the quickest service for Westminster residents. HSC has been operating for more than 15 years, making it a respected company in the industry. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, HSC is the perfect provider for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for you to choose from.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
For more information, 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 | $6,551 |
| Heating | $4,367 |
| Electrical | $655 |
| Toilets | $546 |
| Washer/Dryer | $873 |
| Plumbing | $655 |
| Oven | $1,747 |
| Fridge | $655 |
A home warranty is a protection plan that assists Westminster homeowners cut the high costs of household repairs. These plans offer financial protection to fix or replace 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 repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty provides peace of mind for homeowners by helping them avoid expensive emergency fixes. They're particularly useful for those who own older homes or ones with aging systems. More modern homes with modern appliances probably don’t need a home warranty.
Home warranties protect your household systems and appliances. Common covered appliances include microwaves, washers, dryers, refrigerators, dishwashers, garbage disposals, and more. Covered systems include electrical, plumbing, heating, and air conditioning. Many home warranty plans offer add-on coverage for roof leaks, central vacuums, septic systems, and even locksmiths. It's important for Westminster homeowners to know that most home warranty policies have a 30-day waiting period before they will cover the cost of any repairs. Additionally, most policies only cover repairs and replacements needed due to normal wear and tear. Home warranties don't cover problems such as natural disasters, pre-existing conditions, cosmetic issues, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
Here are some key home warranty words to learn before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty plans vary widely in what they include. Most plans cover electrical, AC, heating, plumbing, and appliances. More comprehensive options also offer protection for other items such as spas, well pumps, roof leaks, and pools. Focus on providers with wide-ranging coverage selections including upgraded plans. This flexibility enables you to customize protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles if a customer doesn't submit any claims in a set timeframe.
A home warranty provider's reputation can give you insight into things such as repair timeliness, contractor quality, approval rates, and customer satisfaction. Browse review platforms such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research companies. Positive ratings and feedback indicate a provider known for exceptional service.
Home warranty companies maintain networks of local contractors to handle repairs in your area. Reach out to potential providers to ask how many repair professionals they have in Westminster and get an idea for how quickly your repairs could take place in an emergency situation. Larger networks raise the probability of getting qualified contractors to swiftly service your home.
Certain home warranty companies include perks such as protection for smart home devices, discounts on maintenance, and energy-efficient upgrades. These can offer extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Home warranties are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Westminster reaching an average high of 55℃F, you may find that some appliances, such as your air conditioner, get a lot of use. A home warranty can remarkably lower out-of-pocket expenses should your HVAC system stop working.
Not to mention, having a home warranty can save you some time by removing the need to research service technicians — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Another good thing about having a home warranty is while selling your home, you can most likely transfer your home warranty plan to the new owners. It can make your house more attractive to potential homebuyers and help your home sell faster.
As for the negatives of home warranties, system and appliance coverage varies by provider, so it’s important to review what each plan covers and excludes in the contract.
Another potential pain point of home warranties is that they don’t cover systems or appliances that haven’t been properly maintained. This can lead to your claims being denied, so it’s important to carefully follow the manufacturer’s guidelines for maintenance of your home systems and appliances.
A home warranty in Westminster can cost anywhere from $30 to $60 a month. Higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. Home warranties are often cheaper when you pay 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 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 your entire home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new washing machine or air conditioner, unless the damage is due to a natural disaster, which is somewhat common in Westminster.
First-time homebuyers, real estate agents, landlords, home sellers, and homeowners can all get home warranty plans. A home warranty can help make your property more appealing to prospective buyers and save you money in the long run.
A home warranty can cover your home’s appliances, systems, or both. Combination plans are great if you need more coverage for your home, but a system- or appliance-only plan can be useful if you want to save some money.
Home warranty plans typically last a year. Many providers let you renew your plan annually, and some offer month-to-month options as well.
Typically, the person who owns the home is responsible for paying for the home warranty. In some cases, though, the one selling the home may purchase a home warranty plan 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 Westminster is $478,001, a home warranty can save you some money when buying a home.
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