When choosing between the best home warranty companies in Colorado, it’s crucial to understand the terms and conditions, coverage limitations and costs.
Whether your Colorado home is located against a Rocky Mountain backdrop or in a busy city like Denver, a home warranty protects you from the repair cost of expensive breakdowns.
Because of the bitter winters in some areas of the Centennial State, your family can’t afford an inoperable heating system or malfunctioning water heaters.
Home warranties are the answer, and an independent reviews team did the homework on Colorado residents’ best options. So, without further delay, here they are!
In This Article:
Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions.
The reviews are always independent. For transparency, we may be compensated if you purchase through a link.
To help you in your search, the reviews team provides unbiased information regarding products and services, including reviews of major home warranty companies.
Before recommending providers to readers, the reviews team analyzes the number and quality of available plans. They also research customer service ratings, pricing, state availability and more to arrive at an impartial recommendation for the best providers.
#1 Best Home Warranty Overall in Colorado: American Home Shield
The reviews team’s recommended provider for the best home warranty Colorado residents can trust is American Home Shield. The company is available in 49 states and has developed a solid reputation since its founding in 1971.
Types of Plans
American Home Shield offers multiple packages to choose from when deciding to protect a Colorado home.
Plans range from specialized to comprehensive to customizable. There are separate plans for systems and appliances, as well as one for both.
What makes American Home Shield stand out is its Build Your Own Plan, which allows customers to mix and match 10 types of appliances and systems so that they can protect what they want — and nothing they don’t.
|Systems and Appliances||Systems Plan||Appliance Plan||Combo Plan|
|Plumbing and Stoppages||✓||✓|
|Ranges, Ovens, and Cooktops||✓||✓|
|Freestanding Ice Maker||✓||✓|
|Garage Door Opener||✓||✓|
|Built-In Food Centers||✓||✓|
For homeowners with existing coverage from a new construction warranty or a manufacturer guarantee, the company provides a create your own bundle plan. Both appliances and systems can be handpicked to customize your coverage.
American Home Shield offers significant maximum payouts for appliances. According to its terms and conditions, the company will pay up to $3,000 to cover the expenses when repairing or replacing equipment in your Colorado home.
While the home warranty company does not include all issues that may arise, it will protect critical components from normal wear and tear.
Other inclusions, as noted in the company’s sample contract, include damage caused by rust, sediment, undetectable pre-existing conditions and insufficient maintenance.
Conditions like routine maintenance, cosmetic defects and chimney issues are not included under warranty.
The Appliance and Systems Plan both start at $49.99 per month. The comprehensive Combo Plan is $59.99 per month, and the flexible Build Your Own Plan falls in between at $54.99.
Policyholders can choose their trade service fee that is required to be paid to a technician who visits the property. When selecting from prices of $75, $100 or $125, a higher deductible cost can lower the price of a monthly contract.
The Quote Process
How to Make a Claim
Making a service request is just as straightforward. Policyholders can either submit the request online or call 888-682-1043. Once a claim is expedited, the company will dispatch a local and licensed technician to contact you and schedule an appointment.
As with any home warranty company, there are pros and cons. However, in the case of American Home Shield, there are definitely more pros.
|– Extensive 49 years in the home warranty industry|
– Coverage in 49 states
– Build Your Own Plan option
– Offers $3,000 coverage caps for appliances
– Covers repairs for unknown pre-existing conditions
|– Policyholders cannot choose their contractor|
American Home Shield boasts a three-star rating with more than 5,400 reviews from the Better Business Bureau. Best of all, American Home Shield is, in fact, accredited with the BBB and holds a B-rating from the organization.
“Outstanding service. Very happy that I purchased a home warranty. Peter showed up and was fantastic. The repair to our exhaust fan on our stove now works perfectly.”
–Thomas S., 5 stars, BBB
“Great customer service. My refrigerator was repaired in a timely manner.”
— Eddie A., 5 stars, BBB
Meanwhile, American Home Shield has earned just 2.5 stars on Trustpilot.
“It’s good for some things and absolutely worthless for others. There is an unbearable noise coming from my pipes. Last year I had this problem and they had it fixed; it’s happening again and they say it’s not covered. The last time they wouldn’t cover an issue that had carbon monoxide coming in my house! There has to be a better company!!”
— Leah, 2 stars, Trustpilot
#2 Best Home Warranty For Aging Homes: Choice Home Warranty
Another option for one of the best home warranty companies in Colorado is Choice Home Warranty. The reviews team suggests this company as the best for older homes with aging equipment as it doesn’t disqualify appliances based on age.
Types of Plans
Choice Home Warranty offers two packages. The Basic Plan offers many major home systems and appliances, and the Total Plan builds off it.
|Systems and Appliances||Basic Plan||Total Plan|
|Oven, range and stove||✓||✓|
|Garage door opener||✓||✓|
|Ceiling and exhaust fans||✓||✓|
|Air conditioning system||✓|
Customers can also customize their plan by including coverage for these systems and appliances as optional add-ons.
- Central Vacuum
- Second Refrigerator
- Well Pump
- Limited Roof Leak
- Stand-Alone Freezer
- Sump Pump
- Septic System
- Septic Tank Plumbing
While Choice Home Warranty promises to cover all components or parts necessary for the operation of equipment, it excludes acts of God and pre-existing conditions.
The group also states in its sample contract that its maximum liability per covered item is $1,500 during the contract.
Costs for a Choice Home Warranty plan can vary due to factors like the size of your home and the coverage you choose.
On average, the Basic Plan costs barely over a dollar a day, at $36.17 per month, while the Total Plan is $43.85 per month.
Service requests require a $60-$85 trade fee due when a technician arrives to address an issue.
When a system or appliance inevitably requires repairing or replacing, the claims process is initiated by logging into a customer account.
Customers may also call the claims department at 888-531-5403.
The Choice Home Warranty representative in charge of your account will then dispatch a technician from its network of experts to address your claim.
|– Dedicated customer service is available 24 hours a day|
– Most major systems and appliances are covered in its comprehensive plan
– Coverage is offered in 48 states
|– Coverage liability of only $1,500|
Choice Home Warranty is not BBB-accredited; moreover, it holds a C-rating from the organization and just over 1 star from customer reviews.
“Terrible company! I paid for the complete plan for 11 months without a claim. My hot water heater started leaking and I lost hot water. I filed a claim and Choice denied the claim. Their reason was they didn’t not cover the holding tank inside the hot water heater.”
-Kelvin A., 1 star, BBB
However, the reviews on Trustpilot painted a very different picture. There, the company earned 4 stars.
“Choice is fabulous. I get a professional to fix any problem my house comes up with.”
– Kathy, 5 stars, Trustpilot
“Choice is great on service — a lifesaver and a blessing. 5 stars. Thank you again for your great service.”
–Anthony Hawkins, 5 stars, Trustpilot
#3 Most Customizable Plan Options: America’s First Choice
When you need numerous options from a home warranty provider in Colorado, America’s First Choice offers multiple packages. The group provides coverage in 47 states, excluding California, South Carolina and Hawaii.
America’s First Choice offers separate levels of coverage with varying degrees of protection for covered items.
|Systems and appliances||Systems Plan||Silver Plan||Gold Plan||Platinum Plan|
|Air conditioning and cooler||✓||✓||✓|
|Stove and cooktop||✓||✓||✓|
|Garage door opener||✓||✓||✓|
To include even more customization to the various packages offered by America’s First Choice, policyholders can add coverage for this equipment for an additional fee.
- Sump Pump
- Septic System
- Hot Water Dispenser
- Pool and Spa
- Standalone Freezer
- Tankless Water Heater
Under America’s First Choice, coverage is straightforward. For instance, covered items are protected from the breakdown of critical components necessary to a home system or appliances operation. Also, exclusions include damage caused by pre-existing conditions, door seals and cosmetic defects.
The group includes various coverage caps for its warranties. Per its sample contract, appliances are covered up to $1,500, HVAC systems max out at $2,000, and plumbing and electrical repairs are limited to $500 per contract.
There is only a $16 spread from the most inexpensive plans to the most costly. The Systems and Silver plans, which specialize in different areas, cost $43.18 per month. The Gold Plan comes in at $52.27 and the Platinum Plan will cost you $59.09.
If you would like a free quote from America’s First Choice, simply fill out this form. Or, you can call 678-335-2181 to speak with a representative.
Policyholders can submit a claim 24 hours per day by accessing an online form, or by calling 855-613-4555. Now, typically, customers are connected with a licensed contractor within 24 to 48 hours of filing. The group also allows policyholders to choose their service technicians.
|– Offers club member perks like credit monitoring and discounts on home security items|
– Allows customers to choose their technician
– Provides numerous coverage options
|– Differing coverage limitation amounts may be confusing to understand|
America’s First Choice boasts a B rating from the BBB and earned a 3-star rating from customer reviews.
“Always very courteous on the phone. Have the best service call rate. Quick to respond.”
– Robert L., 5 stars, BBB
“Great customer service and informative information by the representative.”
–Gatt W., 5 stars, BBB
America’s First Choice does not have a profile on Trustpilot.
#4 Best Home Warranty for Value Shoppers: Select Home Warranty
Budget shoppers can find great value and comprehensive care by purchasing a Select Home Warranty protection plan.
Our research team found that Select Home Warranty offers three different packages of home protection. In addition, it’s essential to note that each plan includes free roof coverage, which is an uncommon offering across home warranty companies.
|System or Appliance||Bronze Care||Gold Care||Platinum Care|
|Air Conditioning System||✓||✓|
Select Home Warranty offers protection against breakdowns to components required for the operation of its covered items.
Unfortunately, the reviews team found Select’s terms and conditions that it provides low coverage caps for a home warranty in Colorado. While its maximum liability for an HVAC system is efficient with a cap of $2,000, appliances, plumbing and electricity are only covered up to $500.
Pre-existing conditions are explicitly disqualified from coverage. Select Home Warranty states that they have the right to restrict protection toward repairing or replacing any covered item without up to three years of maintenance records.
Select Home Warranty is widely acclaimed for its exceptionally low-cost plans, with Bronze Care and Gold Care both coming in at just $35.83 per month. And, as for Platinum Care, it’s barely over that at $37.50.
If you’re interested in purchasing from one of the best home warranty companies in Colorado for those on a budget, enter your ZIP code here, and receive an instant quote. Of course, if you’re old-fashioned and prefer to pick up the phone, customer service agents are standing by to take your call at 317-204-4697.
Submitting for service requests is completed by filling out a detailed form. For instance, policyholders are required to supply their personal information and a thorough description of the appliance or system in question and the issue. Once a claim is accepted, the company will dispatch a local technician of its choosing.
|– Affordable pricing for both contracts and service fees|
– Free roof protection is included with all packages
|– Appliances are only covered up to $500|
– Coverage caps can be significantly restricted without proof of service records
Select Home Warranty is not BBB-accredited and currently holds a B- rating from the organization and a 1-star rating from customer ratings.
However, some customers indicated that the majority of bad reviews left by others were misleading.
“I just purchased a policy with Select Home Warranty and I think everyone deserves a chance. Reviews are good to review, but sometimes you get the wrong person and it also depends how you speak and behave with the representative.
“I hope they are not as bad as the ratings show … actually called the customer support today and spoke to them and they were very friendly … did not submit a claim, however when I do, I will return to give a new review at that time.”
-Neeraj M., 5 stars, BBB
When the reviews team looked over reviews left by policyholders on the site Trustpilot, they discovered that 63% of reviewers expressed their experiences were “excellent” with Select Home Warranty.
“Great prices, discounts and customer service. Referred a friend right after I signed up and received another month free.”
–Shannon, 4 stars, Trustpilot
#5 Best HVAC Coverage: First American Home Warranty
First American Home Warranty was established in 1984 and provides customer service 24 hours per day. The company offers two straightforward plans to protect your Colorado home.
We provided a Denver ZIP code on the First American Home Warranty website to discover the covered items under a policy.
|Systems or Appliances||Basic Plan||Premier Plan|
|Attic and Exhaust Fans||✓||✓|
|Central Vacuum System||✓|
|Clothes Washer and Dryer||✓||✓|
|Garage Door Opener||✓|
|Instant Hot Water Dispenser||✓||✓|
|Oven, Range, and Cooktop||✓|
First American Home Warranty also provides further coverage by allowing the addition of optional add-ons.
- Additional refrigeration – Pool and spa
- Central air conditioning – Well pump
- First-class upgrade (extends coverage for covered items)
After studying a sample contract for a home warranty policy in Colorado, the reviews team found that First American Home Warranty covers appliances up to $3,500, HVAC systems up to $1,500 and caps of $500 for plumbing.
Its protection is similar to other home warranty companies as it covers critical components that are necessary for an appliance or system to operate.
In addition, the company claims to cover problems caused by pre-existing conditions, if, “at the time coverage begins, the defect or malfunction is not known or could not have been reasonably observed.”
The costs for First American Home Warranty are transparent, and done annually. The Basic Plan is the cheapest, at $290 per year, followed by Value Premier Plus at $440 and Eagle Premier at $530.
Obtaining a free quote from the company is completed in minutes; simply fill out this form to get in touch with the company. If you would prefer to have a conversation with an agent, they are available at 833-204-7134.
Policyholders may file a claim by logging into their account or calling the company directly at 800-992-3400. And once a request is accepted, you will be paired with a service technician who will schedule an appointment.
|– Covers unknown pre-existing conditions|
– Appliances are protected with coverage caps of $3,500
|– One must buy add-on protection for air conditioning warranty|
According to reviews from the BBB, the company has earned 3 stars after over 1,400 comments.
“This service has proved to be very helpful and stress-free for me.”
–Luba H, 5 stars, BBB
First American Home Warranty does not have a profile with Trustpilot.
Frequently Asked Questions
Before signing up for peace-of-mind coverage, you likely have many questions regarding what a home warranty protects and how it can benefit your budget.
Are home warranty plans worth it?
Yes. A home warranty protects your financial stability when systems or appliances inevitably break down as they age. Moreover, a policy is an effective way to budget for unforeseen repair costs.
Will home warranty plans replace HVAC systems?
The maximum coverage caps provided by a home warranty company will determine if an HVAC system can be replaced in full, or if it will cover a portion of the replacement.
Do home warranty companies cover pre-existing conditions?
Most warranty providers exclude pre-existing conditions from their included coverage.
Does the home warranty cover old HVAC systems?
Quality warranty companies won’t disqualify systems or appliances from coverage based on their age.