Best Home Warranty in Colorado

When shopping for a home warranty in Colorado, it’s important to ensure everything you need covered is included. You will also need a company that can provide good service when something goes wrong, plus the costs should be competitive. Keep those factors in mind and it should be simple to find one of the best home warranties on the market for homeowners in Colorado.

Lending Partner
Trade Service Fee
Average Monthly Cost
Premade Plans
Add-on Coverage
  • America’s 1st Choice
    Trade Service Fee:
    $75–$125
    Average Monthly Cost:
    $30–$40
    Premade Plans:
    4
    Add-on Coverage:
    12
  • First American
    Trade Service Fee:
    $75
    Average Monthly Cost:
    $32–$43
    Premade Plans:
    2
    Add-on Coverage:
    5
  • Choice Home Warranty
    Trade Service Fee:
    $85
    Average Monthly Cost:
    $40–$50
    Premade Plans:
    2
    Add-on Coverage:
    10
  • Cinch Home Services
    Trade Service Fee:
    $100-$150
    Average Monthly Cost:
    $20–$40
    Premade Plans:
    3
    Add-on Coverage:
    6
  • American Home Shield
    Trade Service Fee:
    $75–$125
    Average Monthly Cost:
    $30–$50
    Premade Plans:
    3
    Add-on Coverage:
    6
  • Global Home Protection
    Trade Service Fee:
    $75–$100
    Average Monthly Cost:
    $28–$48
    Premade Plans:
    5
    Add-on Coverage:
    8

In this article

    The 4 best home warranty companies in Colorado for 2020

    Company NameBasic CoveragePremium CoverageDeductible*
    Blue Ribbon Home Warranty$375 for 14 months of coverage$795 for 14 months of coverage$65
    Liberty Home Guard$399 for 12 months of coverage$599 for 12 months of coverage$60
    Choice Home Warranty$470 for 13 months of coverage$600 for 13 months of coverage$85
    Complete Appliance Protection$540 for 12 months of coverage$900 for 12 months of coverage$0

    *All figures are subject to change depending on your home, location, and needs.

    The 4 best home warranty companies in Colorado for 2020

    Best for local service and low price – Blue Ribbon

    Founded in 1985, Blue Ribbon Home Warranty is the only locally owned and operated home warranty company in Colorado, and it only covers properties in the state. Customers can choose from Silver, Gold and Platinum warranty plans, as well as a list of other add-on options.

    Trade Service Fee
    $65
    Average Monthly Cost
    $31.25–$66.25
    Premade Plans
    3
    SimpleScore
    3.8 / 5.0
    close
    SimpleScore Blue Ribbon 3.8
    Average Monthly Cost 3
    # of Extra Coverage 4
    Support Channels 3
    Trade Service Fees 5
    Number of Pre-Made Plans 4

    The main difference between the Silver and Gold plans is that the Gold offers coverage for washers, dryers and HVAC systems while the Silver doesn’t. The top-tier Platinum plan includes everything from the Gold as well as three add-on items, a maintenance plan and more. The co-pay is $65 on average but it can depend on your plan. Additionally, the warranties offer 14 months of coverage versus the typical 12.

    Blue Ribbon is well-established in the state of Colorado, provides 24/7 service without call centers and offers very competitive pricing and coverage. The company has also been accredited with the Better Business Bureau for 34 years and has an A+ rating. It’s best for those who prefer local service and a great value. Note, however, that a pre-inspection is required.

    Best for flexibility and quality service – Liberty Home Guard

    Liberty Home Guard offers three home warranty plans: one for your systems, one for your appliances and one for both. It also provides a number of add-ons including coverage for a septic system, pool, spa and more.

    Trade Service Fee
    Not Listed
    Average Monthly Cost
    Not Listed
    Premade Plans
    3
    SimpleScore
    4 / 5.0
    close
    SimpleScore Liberty Home Guard 4
    Average Monthly Cost N/A
    # of Extra Coverage 5
    Support Channels 3
    Trade Service Fees N/A
    Number of Pre-Made Plans 4

    It’s easy to get set up with Liberty Home Guard because the company doesn’t require home inspections or maintenance records upon setup. Additionally, you don’t have to worry about being refused coverage due to the age of your appliances or home.

    When you file a claim, the company offers 24/7 U.S.-based claim support. As for the service piece, Liberty Home Guard has a network of over 10,000 LHG-certified technicians and will find one for you. The company also gives you the option to hire outside of the network in certain situations. However, if you hire from within the network, you will receive a 60-day workmanship guarantee.

    Liberty Home Guard is accredited by the BBB and has an A- rating. It’s an affordable option that’s great for those who value flexibility.

    Best for an experienced brand with competitive pricing – Choice Home Warranty

    Choice Home Warranty provides warranty coverage in 48 states across the nation, and in just over a decade, it has grown into one of the largest home warranty providers in the country. It has completed more than 2.5 million service requests, covered over 1 million homes and built a network of more than 15,000 contractors nationwide.

    Trade Service Fee
    $85
    Average Monthly Cost
    $40–$50
    Premade Plans
    2
    SimpleScore
    3.6 / 5.0
    close
    SimpleScore Choice Home Warranty 3.6
    Average Monthly Cost 3
    # of Extra Coverage 4
    Support Channels 4
    Trade Service Fees 4
    Number of Pre-Made Plans 3

    As for coverage, the company offers the Total Plan and the Basic Plan at competitive prices. The Basic Plan covers all the Total Plan does except for air conditioning systems, refrigerators, washers and dryers. The good news is that the premium package is competitively priced. Optional add-on coverage is also available for sump pumps, septic systems, pools, spas and more.

    When you sign up for a single payment plan, you can get your first month free. This is a great option for those who want a company that is well-established with competitive pricing.

    Choice Home Warranty Disclosure
    • We’re Here for you 24/7
    • We’ve Handled more than 3,000,000 Service Requests
    • We have a Nationwide Network of more than 15,000 Contractors
    • We’ve Covered more than 1,000,000 Homes Across the USA
    • We have Thousands of 5 Star Ratings from our Customers

    Best for no deductibles on approved repairs and service calls – Complete Protection

    Complete Appliance Protection, Inc. has been around for over 20 years, and one of its biggest selling points is that none of the policies require you to pay a deductible on approved repair cost and service calls. The motto is that a “home warranty protects every part within the sheet metal skin of the appliance.” The monthly price is a bit higher than some of the competition, but that difference can quickly be made up after a couple of service calls.

    Trade Service Fee
    $0
    Average Monthly Cost
    $45–$75
    Premade Plans
    4
    SimpleScore
    4 / 5.0
    close
    SimpleScore Complete Protection 4
    Average Monthly Cost 2
    # of Extra Coverage 5
    Support Channels 3
    Trade Service Fees 5
    Number of Pre-Made Plans 5

    Another reason this company made the list is because of its comprehensive pricing plans. It currently offers five different plans that cover various appliances and systems. Furthermore, you have the option to select a discount if you don’t need coverage for a certain item that is included in a plan. The extensive customization and lack of deductibles can help you keep more money in your pocket at the end of the year.

    Complete Appliance Protection has been accredited with the BBB since 2002 and has an A+ rating.

    What is a home warranty?

    A home warranty is a service contract designed to help cover the costs of repairing or replacing home systems and appliances when they break down. You pay a monthly or yearly fee for coverage and then if a covered home component breaks down, you call the warranty company, pay a deductible, and a service person comes out to fix it.

    Home warranties vary in what they cover from one company to the next, but generally include coverage for central heating, ventilation and air conditioning (HVAC) systems, plumbing, hot water heaters and electrical systems. Additionally, home warranties typically cover common appliances such as stoves, refrigerators, and washers and dryers.

    How should I choose the right home warranty company?

    When trying to find the best home warranty companies, you need the trifecta of adequate coverage, a competitive cost and good service. Companies vary in what they cover and how they present coverage in their offerings. Some offer a build-your-own warranty style, some have several tiered plans, and others have base plans with limited add-on options. Write down what you want to be covered and look for warranty providers that will cover your entire list.

    Additionally, read the fine print of any policy you consider, as it may include limits on various aspects of your coverage. The limits can apply to how many claims you can file, how the company will determine when to repair or replace an item, how they determine if something is covered or not and how they determine the value of your items. These details can all become very important in the event of a problem.

    Once you have a list of companies that offer the coverage you need, it’s time to compare pricing. Look at the ongoing fee for coverage as well as the deductible cost. Both will be factors in the total cost of the service.

    The quality of service can make or break a warranty offering. When a home system or appliance breaks down, it’s often an emergency. Look for a company that prioritizes fast response time and customer satisfaction. Some warranty companies have a reputation for trying to wiggle their way out of claims, which is not what you want to encounter in the midst of a crisis. There are many ways to gauge a company’s service.

    “Prospective customers should research the company’s history very closely and check Colorado’s regulatory body lists to confirm the company is in good standing. Additionally, they should look into a home warranty’s past record to see if they ever operated in states without a license, or were subject to legal action (either lawsuits by customers, or actions taken by attorneys general or state regulatory bodies),” Benjamin Joseph, Founder of Liberty Home Guard, said.

    “The BBB can serve as a good starting point for this research, but prospective buyers should make sure to look up any company they are considering via a number of sources. Pay attention to both positive reviews and the amount or lack thereof of negative reviews. If a company has good positive reviews and not many negative ones, that is a good sign, and it likely means they will be a strong provider with a customer-centric approach,” he said.

    Methodology

    SimpleScore

    The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.

    For every review, our editorial team:

    • Identifies five measurable aspects to compare across each brand
    • Determines the rating criteria for each aspect score
    • Averages the five aspect scores to produce a single SimpleScore

    Here’s a breakdown of the five aspect scores and their rating criteria for our review of the best home warranty companies of 2020.

    Why do some brands have different SimpleScores on different pages?

    To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

    However, it’s also possible for brands to have multiple SimpleScores. For example, when we apply our methodology to Chase’s stock trading product, it scores a 3.6 out of 5. On the other hand, when we compare Chase checking accounts, it scores a 4.4 out of 5. this is because we each criterion for every category is different to account for different industry standards and product offerings.

    Questions about our methodology?

    Email Hayley Armstrong at hayley@thesimpledollar.com.

    Average monthly cost

    Many home warranty companies advertise a range of monthly costs for their home warranty plans. We took the average of these costs and assigned SimpleScore aspects based on the amount.

    Add-on coverages

    Home warranty usually just covers kitchen appliances and HVAC systems. However, homes have so much more than that. We gave higher scores to home warranty companies that offer a variety of add-ons to home warranty coverages, such as pool, washer/dryer, guest houses and more.

    Customer support

    When it’s time to file a home warranty claim or homeowners have questions, how can they contact support? The SimpleScore rewards home warranty companies with more channels of customer support.

    Trade service fee

    Much like a deductible, a trade service fee is the fee homeowners pay for each service call. The lower the service fee, the higher the score that the brand gets. If the trade service fee was a range or differed among plans, we took an average of the fees advertised.

    Number of pre-made plans

    Sometimes it’s just easier to pick a package and get your home warranty coverage started. That’s why we awarded companies with more premade plans higher scores.

    Jessica Walrack

    Contributing Writer

    Jessica Walrack is a personal finance writer at SuperMoney, Interest.com, The Simple Dollar, and PersonalLoans.org. She specializes in taking personal finance topics like loans, credit cards, and budgeting, and making them accessible and somewhat fun.