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Whether it’s the heat of summer or a winter freeze, there’s never a good time for your HVAC system to go down in Colorado. Unfortunately, appliance and systems breakdowns occur even in the most well-kept homes. A home warranty is one way to ease the pain of home-maintenance issues by providing convenience and financial coverage when systems and appliances fall apart.
If you’re looking for the peace of mind that comes with a good home warranty plan, you can peruse our list of best home warranty companies in Colorado, which we narrowed down after reviewing more than 35 providers. All pricing information in this article is for a single-family home smaller than 5,000 square feet in Castle Rock, Colorado.
Colorado’s Top Home Warranty Companies
The home warranty companies with the highest ratings for Colorado homeowners include the following:
- American Home Shield : Best for Comprehensive Coverage
- Liberty Home Guard : Best Add-on Variety
- America’s 1st Choice Home Club : Best Membership Perks
- HomeServe : Best for Specific Needs
Compare Colorado’s Top Home Warranty Companies
| Star Rating | Monthly Cost | Service Fee | BBB Rating | Link | ||
|---|---|---|---|---|---|---|
| American Home Shield |  | $65–$76 | $100–$125 | B | VISIT SITE | |
| Liberty Home Guard |  | $49-$60 | $65–$125 | A+ | VISIT SITE | |
| Select Home Warranty |  | $44–$48 | $65–$75 | B- | VISIT SITE | |
| First American Home Warranty |  | $59–$77 | $75–$125 | B | VISIT SITE |
| American Home Shield | |
|---|---|
| Logo |
|
| Star Rating | |
| Monthly Cost | $65–$76 |
| Service Fee | $100–$125 |
| BBB Rating | B |
| Liberty Home Guard | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost | $49-$60 |
| Service Fee | $65–$125 |
| BBB Rating | A+ |
| Select Home Warranty | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost | $44–$48 |
| Service Fee | $65–$75 |
| BBB Rating | B- |
| First American Home Warranty | |
|---|---|
| Logo |
 |
| Star Rating | |
| Monthly Cost | $59–$77 |
| Service Fee | $75–$125 |
| BBB Rating | B |
American Home Shield
Fast Facts:
- Number of Plans: Three
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans
American Home Shield (AHS) earns high marks in our review system for its generous coverage caps (the total amount the company will pay for a covered item), its longevity of more than 50 years of service, and the comprehensive coverage of its policies. Compared to other providers, AHS’ systems coverage includes uncommonly covered items, such as toilets, faucets, valves, and doorbells.
AHS offers three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. You can compare the coverage options below.
ShieldSilver ($34.99 to $49.99 per month): This plan covers major home systems, such as the air conditioning, heating unit, ductwork, built-in exhaust fan, vent fan, attic fan, main breaker and fuse panel box, doorbells and chimes, interior electrical lines, ceiling fans, garage door openers, interior plumbing lines, toilets, faucets, valves, whirlpool tub motor and components, and water heater.
ShieldGold ($44.99 to $59.99 per month): This plan covers all the items in the ShieldSilver plan, plus your refrigerator, range, cooktop, oven, dishwasher, built-in microwave, garbage disposal, instant hot/cold water dispenser, clothes washer, and clothes dryer.
ShieldPlatinum ($64.99 to $79.99 per month): This plan covers all the items in the ShieldGold plan. It also offers additional coverage for roof leaks, your annual HVAC tune-up, unlimited AC refrigerant, and code upgrades up to $1,000.
Read More: American Home Shield Review
Liberty Home Guard
Fast Facts:
- Number of Plans: Three
- Service Fee: $65–$125
- Get a Quick Quote: Visit site
Plans
Liberty Home Guard (LHG) offers three standard plan options: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers your major appliances, such as your dishwasher and laundry machines. On the other hand, Systems Guard covers items such as your air conditioner, heating system, and ductwork. Total Home Guard combines those two plans into one comprehensive package. Liberty Home Guard offers an impressive suite of more than 35 optional add-ons, including uncommon items such as gutter cleaning, window cleaning, pro-series appliances, and more.
Unlike other providers, LHG’s service call fee is assigned to each account based on the customer’s location, plan, and any add-on options selected. According to a representative for the company, this fee will always fall between $65 and $125.
Appliance Guard ($69.99 per month): This plan covers your clothes washer, clothes dryer, refrigerator with ice maker and display, built-in microwave oven, dishwasher, garbage disposal, range, oven, cooktop, ceiling fans, exhaust fans, and garage door openers.
Systems Guard ($74.99 per month): This plan covers your air conditioning, heating system, ductwork, plumbing system, electrical system, and water heater.
Total Home Guard ($79.99 per month): This plan combines the coverage of the Appliance and Systems Guard plans.
Read More: Liberty Home Guard Review
America’s 1st Choice Home Club
Fast Facts:
- Number of Plans: Four
- Service Fee: $75–$125
- Get a Quick Quote: Visit site
Plans
America’s 1st Choice Home Club (AFC Home Club) stands out for its longer-than-average workmanship guarantee (the promise a company makes to reservice a covered item within a given period at no additional charge). While it’s typical for providers to offer a one-month workmanship guarantee, all four of AFC Home Club’s coverage plans come complete with a plan-length guarantee.
Compare the Silver, Systems, Gold, and Platinum plans below.
Silver Plan ($35 to $40 per month): This plan covers a suite of home appliances, including your clothes washer, clothes dryer, refrigerator, oven, range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.
Systems Plan ($42.50 to $47.50 per month): This plan covers major systems, including your water heater, air conditioner, heating system, electrical system, plumbing system, and ductwork.
Gold Plan ($50 to $55 per month): This plan provides combination coverage for all the items in the Silver and Systems plans.
Platinum Plan ($55 to $60 per month): This plan includes all the covered items in the Gold Plan plus plumbing stoppages, faucets, ice makers, and built-in microwaves.
HomeServe
Fast Facts:
- Number of Plans: 13 (may vary depending on your location)
- Service Fee: $100
- Get a Quick Quote: Visit site
Plans
HomeServe is our pick for homeowners with specialized needs, especially those that pertain to their home’s utility lines. Unlike other home warranty companies, HomeServe considers your utility provider and location before displaying your available plans and prices. Below you’ll find the 13 plans available based on our quote for a single-family residence in Castle Rock.
Gas Line Plus ($4.99 per month): This plan covers your interior gas line, interior gas restoration, exterior gas line, and exterior gas line restoration up to $8,000.
Water Heater Repair ($6.99 per month): This plan covers water heater repairs up to $850.
Exterior Water Service Line Coverage ($7.95 per month): This plan covers your exterior water service line and exterior water service line restoration up to $7,000.
Water Heater Repair and Replacement Plan ($8.99 per month): This plan covers your water heater repairs and replacements up to $1,500.
Exterior Sewer/Septic Line Coverage ($12.98 per month): This plan covers your exterior sewer/septic line and exterior sewer/septic line restoration up to $10,000.
Cooling System Coverage ($12.99 per month): This plan covers your air conditioning system up to $1,750.
Heating System Coverage ($12.99 per month): This plan covers your heating system up to $1,750.
Exterior Pipe Plan ($15.99 per month): This plan covers your exterior water service line, exterior water service line restoration, exterior sewer/septic line, and exterior sewer/septic line restoration.
Heating and Cooling Plan ($19.99 per month): This plan covers your cooling and heating systems up to $10,000.
Home Plumbing and Drainage Coverage ($21.98 per month): This plan covers your exterior sewer/septic line, interior plumbing, interior drainage, and drain cleaning up to $12,000.
Home Comfort Plan ($29.99 per month): This plan covers your interior gas line, exterior gas line, cooling system, heating system, and water heater repairs up to $10,000.
Complete Plumbing Plan ($41.99 per month): This plan covers your exterior water service line, exterior sewer/septic line, exterior sewer/septic line restoration, interior plumbing, interior drainage, drain cleaning, interior gas line, exterior gas line, and water heater repairs up to $10,000.
TotalHome Warranty Appliances ($48.33 per month): This plan covers your home’s appliances, including your refrigerator, clothes washer, clothes dryer, range, dishwasher, built-in microwave, trash compactor, and garage door opener.
Our Recommendation
If you’ve lost heat during a Denver winter, you won’t take your heating system for granted again. No matter where you live in Colorado, a home warranty can give you peace of mind that when a home system or appliance breaks down, you’ll be able to take care of it quickly.
Choosing the best home warranty plan for you will depend on your priorities. We recommend American Home Shield for homeowners who don’t want to worry about exceeding their plan’s coverage caps—AHS doesn’t have limits on built-in systems and has a higher-than-average limit of $6,000 for appliances.
We recommend HomeServe for customers most concerned with repairs and replacements for their interior and exterior utility lines, as competitors don’t typically cover these items. And if you’re looking for coverage for items that most providers don’t cover, we recommend Liberty Home Guard for its long list of optional coverage add-ons—including window cleaning and pro-series appliances.
In any case, we recommend that you request a personalized quote from at least three home warranty companies. Doing your research and comparing policies will ensure that you make the best choice for your coverage needs.
Frequently Asked Questions
What are the benefits of a Colorado home warranty?
Home warranty coverage affords customers access to high-quality and knowledgeable service providers with minimal effort. Most home warranty providers connect you with an approved technician, reducing the time you need to spend sorting through research and reviews to choose a service provider. When you file a claim, you’ll be required to pay your agreed-upon service call fee, but your home warranty will cover most of the repair costs for properly maintained items. You can file claims 24/7 via the phone or a provider’s online portal. In addition, you’ll be able to file unlimited service requests for your home’s major appliances and systems throughout your home warranty plan term.
Can you purchase a home warranty at any time in Colorado?
Yes, you can purchase a home warranty at any time for any home you own—you do not need to have a new home to purchase a home warranty. However, you’ll typically have to wait 30 days before you can file your first claim, meaning you can’t start a home warranty to cover an appliance or system that has already broken down and needs repair. You can occasionally skip this initial waiting period if you have proof of previous coverage with a different provider.
What is the difference between a home warranty and home insurance?
Home insurance, or homeowners insurance, is a policy that covers your house and belongings against damage or theft. For example, if your house is destroyed in a fire or someone breaks in and steals your belongings, you’ll have financial coverage for these losses. A home warranty plan offers coverage for the repair or replacement cost of a home appliance or system that breaks down from normal wear and tear. Purchasing a home warranty doesn’t eliminate the need for homeowners insurance. Instead, these two types of policies can complement each other.
How We Chose the Top Home Warranty Providers
Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.
We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.
