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Best Home Warranty Companies In colorado 2024

Colorado residents have a range of options when selecting a home warranty provider. These companies offer various coverage plans, pricing options, and service quality to meet the diverse needs of homeowners across the state. Based on thorough research and customer feedback, here are some of the best home warranty companies in Colorado for 2024.

BEST OVERALL
fourhalf_star4.9/5
$150 Off + 2 Months Free
MOST POPULAR
fourhalf_star4.5/5
$50 OFF on Multiple Properties
View More

Our Picks: 5 Best Home Warranty Companies For colorado Residents

Here we have listed top home warranty companies based on their comprehensive plans, competitive pricing, and reliable service, making them ideal choices for Colorado residents:

Best For Separate Coverage Options
4.9 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$44 - $59

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Coverage for major home systems and appliances
  • Cost-effective compared to out-of-pocket repairs
  • Convenient access to pre-screened contractors

Cons

  • Service fees or deductibles may apply

Plans, Cost & Coverage

Elite Home Warranty offers three plans- Elite Complete, Elite Appliances, and Elite Systems. The cost of these plans can vary depending on factors such as the level of coverage, the size of your home, and any additional options or add-ons you choose.

 

Elite Appliances

Elite Systems

Elite Complete

Monthly Plan

$44.99

$49.99

$59.99

Elite Appliances

  • Focuses on coverage for kitchen and laundry appliances
  • Covers items like refrigerators, dishwashers, ovens, washers, dryers, etc
  • Suitable for homeowners who prioritize coverage specifically for their essential appliances

Elite Systems

  • Provides coverage for major home systems such as HVAC, plumbing, and electrical
  • Includes items like heating systems, air conditioning units, electrical wiring, plumbing pipes, etc
  • Designed for homeowners who prioritize coverage for their home’s vital systems

Elite Complete

  • Comprehensive coverage for major home systems and appliances
  • Includes protection for HVAC, plumbing, electrical, kitchen appliances, and more
  • Ideal for homeowners seeking all-around protection for their home’s essential components

Why We Picked It?

Elite Home Warranty provides comprehensive coverage options, offering tailored plans for major home systems and appliances. The company’s flexibility allows homeowners to select a plan that aligns with their needs and budget.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Large network of qualified service technicians for efficient repairs
  • Flexible plan options to suit varying needs and budgets
  • 24/7 customer service for assistance with claims and inquiries

Cons

  • Limited additional coverage options

Plans, Cost & Coverage

American Home Shield provides three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. These plans have monthly costs ranging from $29.99 to $89.99. The pricing depends on factors such as your location, the type of plan chosen, and the service fee selected.

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$29.99

$49.99

$79.99

Cost at $100 Service Call Fee

$39.99

$59.99

$89.99

ShieldSilver

  • Basic coverage tier offering protection for 14 essential home systems and appliances
  • Typically includes items like HVAC systems, plumbing, electrical, and basic kitchen appliances
  • Suitable for homeowners seeking budget-friendly coverage for vital home components

ShieldGold

  • Mid-range coverage tier providing more extensive protection for a wider range of home systems and appliances
  • Includes items covered under ShieldSilver, with additional coverage for items like dishwasher, oven, and more
  • Ideal for homeowners who want comprehensive coverage without the highest premium

ShieldPlatinum

  • Offers the highest level of protection for 24 home systems and appliances
  • Includes all items covered under ShieldGold, plus additional coverage 
  • Tailored for homeowners prioritizing comprehensive coverage of home appliances and systems

Why We Picked It?

American Home Shield is a leading home warranty sector figure boasting over 50 years of expertise. Its robust network of contractors guarantees prompt and dependable service. With a 30-day workmanship guarantee, customers gain added confidence and tranquility in their choice.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$49 - $59

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Comprehensive coverage for home systems and appliances
  • Customizable plans to fit individual needs
  • Provides extensive add-on coverage

Cons

  • Comparatively new in the market; low in experience

Plans, Cost & Coverage

Liberty Home Guard offers three distinct plans: Appliances Guard, Systems Guard, and Total Home Guard. Each plan caters to specific needs and offers comprehensive coverage for appliances, home systems, or both.

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99/Month

$54.99/Month

$59.99/Month

Annual Plan

$499.99/Annum

$549.99/Annum

$599.99/Annum

Appliances Guard

  • Coverage for essential home appliances like refrigerators, dishwashers, and washers/dryers
  • Ideal for homeowners who want protection specifically for their appliances
  • Helps offset repair or replacement costs for common household appliances

Systems Guard

  • Coverage for major home systems, including HVAC, plumbing, and electrical
  • Suitable for homeowners who prioritize protection for vital home systems
  • Helps mitigate expenses associated with repairs or replacements of essential systems

Total Home Guard

  • Comprehensive coverage for both home appliances and systems
  • Offers all-around protection for a wide range of household components
  • Ideal for homeowners seeking comprehensive coverage for their entire home

Why We Picked It?

Liberty Home Guard provides customizable home warranty plans to protect your essential appliances and systems comprehensively. Their reputation for prompt and dependable service ensures peace of mind when unexpected repairs arise.

4.7 | fourhalf_star Excellent

Monthly Cost

$51- $62

Service Fee

$65 - $125

Response Time

24 to 48 hours

Pros & Cons

Pros

  • 90-day guarantee on parts and a 30-day guarantee on labor
  • Coverage for systems and appliances of all ages and models
  • Offer 13 months of coverage on annual plans

Cons

  • Charges a fee for contract transfer

Plans, Cost & Coverage

The Home Service Club offers two home warranty plans for homeowners: the Standard Plan and the Comprehensive Plan. Each plan provides different levels of coverage and benefits tailored to meet homeowners’ varying needs.

Plan

Standard Coverage Plan

Comprehensive Coverage Plan

Cost/Monthly

$51.25

$62.50

Cost/Annually

$584.96

$719.96

Standard Coverage Plan

  • Provides basic coverage for 16 essential home systems and appliances
  • Designed for homeowners seeking budget-friendly coverage
  • Offers a range of benefits suitable for everyday home maintenance needs

Comprehensive Coverage Plan

  • Offers extensive coverage for a wide range of home systems and appliances
  • Ideal for homeowners looking for comprehensive protection and peace of mind
  • Provides additional benefits and perks compared to the Standard Plan

Why We Picked It?

The Home Service Club is known for its two comprehensive home warranty plans, the Standard and Comprehensive, which offer coverage for up to 28 essential home systems and appliances. Fast enrollment, no inspections, and long guarantees (90 days parts, 30 days labor) make it a homeowner’s dream for reliable protection.

4.6 | fourhalf_star Excellent

Monthly Cost

$49 - $79

Service Fee

No Service Fee

Response Time

up to 48 hours

Pros & Cons

Pros

  • Option to choose your repair contractors
  • Cost-effective compared to out-of-pocket expenses
  • Pays 100% of the approved cost of repair

Cons

  • Higher premiums

Plans, Cost & Coverage

Complete Protection Home Warranty provides a range of coverage options through four distinct plans: Essential, Advanced, Comprehensive, and Ultimate. Each plan caters to different needs and levels of protection for home systems and appliances.

 

Essential

Advanced

Comprehensive

Ultimate

Cost

$49

$59

$69

$79

Essential

  • Basic coverage for essential home systems and appliances
  • Includes essentials like air conditioner, dishwasher, and other basic items
  • Ideal for homeowners seeking budget-friendly coverage for vital home components

Advanced

  • Mid-range coverage with additional protection for a wider range of systems and appliances
  • Includes items covered under the Essential plan, with extra coverage for refrigerator, washer & dryer
  • Suitable for homeowners who want comprehensive coverage without the highest premium

Comprehensive

  • Comprehensive coverage for a wide range of home systems and appliances
  • Includes all items covered under the Advanced plan, with additional coverage for electrical wiring, plumbing pipe leaks, and more
  • Designed for homeowners who prioritize maximum coverage and peace of mind for their home

Ultimate

  • Premium coverage offers the highest level of protection
  • Includes all items covered under the Comprehensive Plan, along with additional coverage for garage door opener, drain line stoppages, and more
  • Ideal for homeowners who want the most extensive coverage available

Why We Picked It?

Complete Protection Home Warranty is known for its diverse plans and ability to accommodate various needs and preferences. Its reputation for reliability and comprehensive coverage further solidified our decision, ensuring peace of mind for our home protection needs.

Is Home Warranty Plans Beneficial For Colorado Homeowners?

How Much Does A Colorado Home Warranty Cost?

Here's a general cost range for home warranties in Colorado:

Average Annual Cost

$300 - $700

Average Monthly Cost

$29 - $89

Average Service Fee (Deductible)

$75 - $125

Here in Colorado, the cost of a home warranty can vary depending on several factors, including:

Home Warranty Coverage In Colorado

Home warranty plans in Colorado may differ based on the provider and the selected plan, but they typically offer a range of common inclusions and exclusions.

General Coverage Of Colorado Home Warranty

  • PlumbingColorado’s freezing winters can cause pipe bursts. Your warranty can safeguard against leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures, protecting your home from potential water damage, especially important in mountain getaways.
  • Heating & CoolingA reliable HVAC system is crucial for everything from scorching summer days in Denver to frigid mountain nights. Your warranty can cover repairs for your furnace, air conditioner, heat pump, and ductwork, ensuring year-round comfort.
  • ElectricalHome warranties ensure the safety and functionality of your electrical system by covering repairs for wiring, outlets, switches, and breaker panels. This is particularly important in older Colorado homes with potentially outdated electrical systems.
  • Essential AppliancesHome warranty companies protect against unexpected breakdowns of essential appliances like refrigerators, ovens, cooktops, dishwashers, and garbage disposals, preventing disruptions to your daily routine.
  • Laundry AppliancesCoverage for washers, dryers, and laundry room plumbing connections.
  • Garage Door OpenersCoverage for repair or replacement of garage door openers and their components.

Common Exclusions

  • Pre-Existing ConditionsIssues with home systems or appliances before the warranty coverage starts are excluded.
  • Lack of MaintenanceCompanies don’t cover damages from improper care or neglect of home systems and appliances.
  • Cosmetic DamageRepairs or replacements for purely aesthetic issues, such as scratches or dents, are usually not covered.
  • Acts of NatureThe companies usually exclude damage caused by natural disasters like earthquakes, floods, or wildfires.
  • Manufacturer WarrantiesItems already covered by manufacturer warranties or extended warranties are not covered by home warranties.

Here Are Some Additional Points To Consider

  • Coverage LimitsReview the coverage limits for each item or system to ensure it meets your needs.
  • Customer ServiceResearch the reputation of the home warranty company and its customer service quality.
  • Service Call FeesConsider the amount of the service call fee or deductible for each service visit.

Who Regulates Home Warranty Companies In Colorado?

In Colorado, home warranty companies are regulated by the Colorado Division of Insurance. This regulatory body oversees home warranty providers' licensing, conduct, and financial stability to ensure they comply with state laws and protect consumers' interests.

In addition to the Colorado Division of Insurance, the Attorney General's Office may indirectly regulate home warranty companies. They offer consumer protection resources and address legal matters concerning deceptive practices or disputes with home warranty companies.

Final Word

When considering the best home warranties in Colorado for 2024, thorough research is essential. Compare providers based on coverage options, pricing, and customer reviews. Consider specific needs such as protection against extreme weather or coverage for high-value appliances. Making an informed decision will provide peace of mind and protect your home from unexpected repair costs.

Frequently Asked Questions (FAQs)

What Are The Most Frequent Appliance Repairs In Colorado?

A.

In Colorado, appliance repairs are influenced by the state’s diverse climate. Refrigerator issues, including temperature fluctuations, are frequent due to varying altitudes. HVAC systems often require attention, addressing heating and cooling needs in Colorado’s changing seasons. Washing machine repairs may be necessary due to hard water effects, and dishwasher malfunctions can result from mineral deposits.

Does American Home Shield Cover Pre-Existing Conditions?

A.

American Home Shield covers undetected pre-existing conditions when purchasing a home warranty plan.

Are Home Warranties Worth It In Colorado?

A.

Home warranties are a smart investment for homeowners in Colorado. Given the state’s varying climate and potential for appliance issues, having comprehensive coverage for major systems like HVAC and essential appliances can save homeowners from unexpected repair expenses.

Who Pays For The Home Warranty?

A.

The responsibility for paying for a home warranty can vary depending on the specific agreement between the buyer and seller in a real estate transaction. In some cases, the seller may offer a home warranty as an incentive to attract buyers, covering the cost as part of the home sale. Alternatively, the buyer might purchase a home warranty independently to safeguard against unexpected repair costs after acquiring the property.

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