Best Home Warranties in Colorado

• Our top picks include American Home Shield, Choice Home Warranty, Select Home Warranty, American Residential Warranty and America’s 1st Choice Home Club.
• To find the best home warranty in Colorado for you, think about the type of property you have and choose corresponding coverage. A mountain cabin may have different needs than a downtown condo.
• A good home warranty in Colorado typically costs $40 to $60 per month without incentives, promotions or add-ons.

Here are our favorite home warranty companies in Colorado, based on local reviews:

• Our top pick overall: American Home Shield
• Our pick for fast service: Choice Home Warranty
• Our pick for low service fees: Select Home Warranty
• Our pick for short-term contracts: American Residential Warranty
• Our pick for long-term contracts: America’s 1st Choice Home Club

Methodology

To select our top picks, we started with the home warranty companies available in Colorado on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Colorado, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

American Home Shield’s plans cover up to 23 home systems and appliances, and more than 2 million people have signed up for coverage. Many home warranty companies have add-on options to make coverage more flexible, but American Home Shield lets you customize both your coverage options and service fees. You can file a claim at any time through its online portal, and all repairs are backed by a 30-day workmanship guarantee.

We’ve compared this company’s plans based on select coverage items below.

*For a home in Denver at the time of publishing

Colorado residents are enthusiastic about American Home Shield in their reviews, giving the company by far the strongest ratio of 5-star to 1-star reviews of our top picks at the time of publishing.

Scott from Lafayette wrote, “I had an outstanding experience with the contractor that came out for a garbage disposal that was jammed. I have two accounts with American Home Shield and I recommend it.”

Frances from Pueblo left a review to praise the company as well: “My air conditioner stopped working then it started again. I called American Home Shield and I was fully satisfied with the contractor. They were very efficient and got it all taken care of right away.”

Choice Home Warranty has covered more than 1 million homes across the U.S. The company’s service agreement states that it will initiate service within four hours of your request, and CHW will refund your service fee if your repairs aren’t completed within 30 days.

We’ve compared this company’s plans based on select coverage items below.

*For a home in Denver at the time of publishing

Review trends for Choice Home Warranty in Colorado are strong, with many people mentioning the speed and convenience of the service.

Leslie from Thornton left a review breaking down the timeline of her claim: “Dishwasher would not start. Called Choice on Sunday. Received e mail for tech to come between 1100 and 300 on Monday. Can't get any faster than that. Simple fix and he was gone. Great service and a great technician with a great attitude.”

Edward from Colorado Springs shared similar sentiments, writing, “I’ve used several other home warranties. Always had to fight to get service. Fight to get help. And everything was always too much to do anything about. Not with [C]hoice. Guy came out quickly and I got a replacement appliance when mine was too far gone.”

Select Home Warranty offers home warranty policies designed for single-family homes, manufactured homes, mobile homes, rental properties and multiunit buildings. Its plans cover all makes and models of properly maintained appliances, and you don’t have to get a home inspection before purchase. There are no limits on covered repairs with Select Home Warranty.

We’ve compared this company’s plans based on select coverage items below.

*For a home in Denver at the time of publishing

At the time of publishing, Select Home Warranty has potentially the lowest service fees of any of our top picks, and reviews from Coloradans frequently mention the value of the company’s plans.

Katy from Peyton wrote in a review that she “moved over from another warranty company. Coverage is comparable and price is excellent. Look forward to working with them and keeping my repair costs low for any appliance and other covered items. … So far this appears to be a great value for the services offered.”

Another reviewer, Valarie from Denver, also highlighted the company’s relative affordability: “I called to get some coverage on our home as all of our appliances have expired warranties. … I was able to sign up for longer than one year and lock in my price as well as save additional money each month on the plan. I have checked other warranty companies and this was absolutely my favorite!”

American Residential Warranty sells both customizable home warranty plans and bundled packages, offering a multitude of coverage options for you to choose from. This flexibility also extends to the company’s month-to-month payment structure (although quarterly and annual payments are accepted). You must call the company to submit a claim, but its representatives are available 24/7 for some added convenience. You can submit a claim by phone or online.

We’ve compared this company’s home warranty plans based on select coverage items below. ARW’s quote tool won’t provide prices for the Heating & Cooling or Platinum plans at the time of publishing, but they’re still featured on the company’s website, so you might want to check for yourself once you’re ready to buy.

*For a home in Denver at the time of publishing

Colorado residents tend to review American Residential Warranty positively, and multiple reviewers mentioned their brand loyalty.

Paul from Rocky Ford wrote, "The representative, Sharlene, was very pleasant and helpful. Great to interact with a pleasant person. I would and will recommend [this] company to all my friends and family. I have been a customer for a while now and will continue to be so.”

Ruperto from Greeley felt similarly, writing, "The person I was talking to was very pleasant and professional. ... I would definitely recommend American Residential to anyone who ask me about [the] company. I have been with American residential for over a year and have never had any problems with anyone who has [helped] me or contacted me in anything I needed.”

America’s 1st Choice Home Club covers up to 24 of your home’s systems and appliances, and coverage is available for up to three years at a time, if you prefer to plan ahead. Also, all prices are locked in once you sign your contract, meaning there are no price hikes throughout the lifetime of your home warranty. When it comes time for covered repairs, you can choose your own licensed, insured technician, and repairs are guaranteed for the life of the plan, not just 30 or 60 days.

We’ve compared this company’s plans based on select coverage items below. It’s worth pointing out that the prices we’ve included are based on a 12-month payment plan over one year of coverage. If you choose a three-year contract, your monthly cost will go up, but the payment term is only 20 months of the 36 you’re covered for.

*For a home in Denver at the time of publishing

Reviews for AFC in Colorado are almost all positive, with people praising the company’s customer service and long-term plans.

“I went with a three year policy after talking with Luke & Everett because they were thorough in their policy explanations, professional, and explained your process of placing requests,” wrote Catherine from Centennial.

Mathew from Clifton was also happy with the company: “My experience with Dave and his service representation for AFC falls nothing short of superlative. All questions I had in mind were answered by Dave before I could even ask, excellent customer service. Looking forward to years of quality satisfaction with AFC...”

The experience of being a homeowner in Colorado can vary dramatically, depending on the city you’re in, what elevation you’re at, what season it is and whether you’re in a rural or urban area. Because of this, a homeowner in Telluride can experience vastly different risks than one in Denver, and they may need different things from their home warranties as a result.

For example, someone in the mountains of Telluride may need to worry more about their septic system or how water drainage may impact their home. However, if you live in a condo in Denver, you’ll probably want to make sure your warranty coverage only includes the items that you’re responsible for and not those shared by other residents or the organization that oversees your building.

On the other hand, both of these homeowners should probably make sure their heating systems are covered in case they break down in the middle of a cold Rocky Mountain winter.

When looking for a home warranty company in Colorado, it’s important to find a provider offering coverage that makes sense for your situation. Ask for a sample contract or get a personalized quote to see exactly what a company covers in your area.

The Colorado Division of Insurance regulates home warranty providers in the state. You can use resources from this agency to verify licenses and file a grievance about a home warranty company, if necessary.

In Colorado, all home warranty contracts must list:

• All elements that are excluded from coverage (not just what’s included)
• Any limitations to coverage
• How you can obtain repairs and replacements
• The time period within which the requested repairs will be made or replacements will be provided
• A specific duration of coverage
• Whether it’s transferable to a new owner
• A reference to the laws that govern home warranties in Colorado

In Colorado, it’s also illegal for any lending institution to require you to purchase a home warranty service contract as a condition of getting financing for the purchase of the home.

In 2019, the Colorado Department Of Regulatory Agencies (DORA) completed a sunset report concerning the continuation of its statutes governing home warranty service contracts. In 2020, the state implemented some of these findings, meaning that, at the time of publishing, Colorado has some of the most up-to-date laws regarding service contracts in the nation.

These laws are set to expire in 2026 unless the Colorado General Assembly extends them again.

As a Colorado resident, you have some pretty unique factors to keep in mind when purchasing a home warranty, ranging from environmental differences to evolving regulations. Just remember to evaluate your specific needs and shop around to find a good deal.

For more information about buying a home warranty, check out the FAQ on our national home warranty buyers guide. We also have information on home warranty costs and coverage insights you can review to help make your decision a little easier.