Best Home Warranty Companies in Colorado (2024)

We recommend American Home Shield (AHS) for Colorado homeowners who need comprehensive protection for their older homes and systems. The company includes plumbing, heating, and cooling coverage in every plan and protects items with physical damage and unknown preexisting conditions.     

Monthly Cost: $19–$79

After reading through the American Home Shield sample contract, we discovered that heating and plumbing systems receive a generous $5,000 cap with every plan. Roof-leak coverage requires an add-on with the two lowest plans: ShieldSilver and ShieldGold. However, ShieldPlatinum includes these protections at no extra cost. We also learned that AHS will cover items with preexisting conditions and physical damage, such as rust and corrosion. You receive a 30-day workmanship guarantee with every repair. 

Below are the details of the American Home Shield plans:

• ShieldSilver: The lowest plan includes system-only coverage for major systems, such as your cooling, heating, and plumbing. You receive a $5,000 coverage cap for each covered item.
• ShieldGold: The next plan bundled coverage, combining ShieldSilver coverage and appliance protections. Coverage includes a $5,000 system cap and $2,000 for appliances. 
• ShieldPlatinum: The most comprehensive plan includes ShieldGold coverage plus additional perks, such as HVAC tune-ups and roof-leak coverage. Appliance coverage increases to $4,000. 

Our sample quote included service call fees of $100 or $125. When we switched to a lower service fee, our monthly premiums increased. AHS only offers monthly premiums, unlike other providers that provide annual and monthly options. 

Here’s an overview of American Home Shield’s monthly pricing:

Although our other reviewed providers offer at least eight add-on selections, AHS limits its choices to six. The company offers competitive prices for its optional coverage, ranging from $5.00–$24.00 per month. With the two lowest coverage plans, you can add roof-leak coverage for $10.00.  

Additional add-on options include the following coverage:

• Electronics protection plan
• Guest unit 
• Pool and spa
• Septic pump
• Well pump

Our team member, who has AHS coverage, filed a claim for a  leaky bathroom pipe. We’ll detail his experience below: 

• He submitted an online claim and received immediate text and email confirmations
• A service contractor was assigned to his case and contacted him five minutes later. He received a next-day repair appointment.
• The technician fixed the pipe in under two hours.
• His only out-of-pocket cost was the standard service call fee

We recommend Elite Home Warranty for homeowners in Colorado who need flexible premiums and broad coverage. Elite has three base plans with a standard $70 service call fee and 27 add-ons.

Monthly cost: $44–$58

Elite Home Warranty has three plans to choose from: Elite Appliances, Elite Systems, and Elite Complete. You can also select specific items for your plan through its “Customize Your Own Policy” option. We read through Elite Home Warranty’s sample contract and learned that it has a $15,000 annual claim limit for all plans. This limit is divided into a $7,000 cap for appliances and $8,000 for systems.

Below are the details of Elite’s coverage plans:

• Elite Appliances: This is a standard appliance-only plan providing coverage for eight items including clothes washers and dryers, dishwashers, and cooktops.
• Elite Systems: This system-only plan covers eight items such as air conditioning, plumbing, heating, and electrical systems.
• Elite Complete: This is Elite’s premium plan that includes all items from both prior plans.

We obtained sample quotes from Elite Home Warranty containing monthly premiums that ranged from $44 to $58. Its standard service call fee is $70, but it increases to $150 for high-end appliance repairs and after-hour or weekend calls.

Elite’s add-on catalog includes 27 options, making it one of the most robust in the industry. Coverage for these items varies and there’s a $5,000 total limit per term.

Some of our favorite add-on options offered by Elite include the following:

• Annual maintenance
• Sewer and water service lines
• Well and sump pump

One of our team members tested the Elite Home Warranty claim process for repairing his high-end dishwasher. He received a call from an Elite claims specialist within 30 minutes and was given a next-day appointment. Although the technician needed to order special parts, he returned the following Monday to successfully complete repairs within an hour. Overall, the claim process was quick and effective despite needing a second visit.

Elite sends in-network technicians to complete its repairs and backs coverage with a 90-day workmanship guarantee. You won’t receive any workmanship coverage if you choose your own technician.

We recommend First American Home Warranty for Colorado homeowners who need coverage for high-end appliances or unrestricted system caps. The company provides up to $7,000 for appliances and unlimited caps for plumbing and HVAC. 

Monthly cost: $42–$82

After reviewing the First American’s sample contract, we learned that roof-leak coverage comes with its highest plan, the Premium Plan. However, you’ll need a roof-leak add-on for coverage on the other lower coverage options. The Starter Plan doesn’t include central AC coverage in its baseline coverage and requires an add-on. Most home systems, except water heaters, receive an unlimited coverage cap. Adding the First American upgrade to the Essential and Premium plan offers additional coverage for items with preexisting conditions and damage from improper modifications and installations. 

We’ve detailed First American’s plan coverage below:

• Starter Plan: The lowest bundled plan covers some home systems and appliances, including heating and plumbing. You receive a $3,500 appliance cap and unlimited coverage for home systems.
• Essential Plan: This plan extended the Starter Plan coverage to include additional items, including air conditioning and water heaters. You receive the same coverage limits for most items, but water heaters receive a $1,000 cap.  
• Premium Plan: The highest plan includes the Essential Plan protections, plus added coverage for full garage door systems, luxury appliances, and window air conditioning units. Your appliance appliance coverage increases to $7,000. 

First American Home Warranty offers annual and monthly premiums. However, the company doesn’t include added perks, such as free service or discounts, with its annual plans. You can customize your coverage by selecting a $75, $100, or $125 service call fee. 

We’ve outlined First American monthly rates and fees below:

First American provides 12 add-on options for its plans. Pricing falls between $2.08 for HVAC tuneups and $20.83 for pool and spa coverage. Adding central AC coverage to the Starter Plan costs $8.33 per month. You’ll pay $8.33 monthly for roof-leak coverage with the Starter Plan and Essential Plan. You can add the First American upgrade at no extra charge. 

Other add-on protection includes the following options:

• Additional refrigeration
• Septic tank pumping/systems 
• Water softeners
• Well pumps

Our team member had a broken garage door opener and used his First American plan to repair it. Here’s a breakdown of his claims process:

• He used the online portal to submit his claim. 
• He received immediate confirmation of the claim process and a text confirmation with his technician’s information.
• The technician reached out 30 minutes later to book an appointment. Since the claim was filed on a Friday, he received an appointment for the next business day. 
• Repairs took less than 30 minutes, and he only paid the standard service call fee. 

In addition, First American chose the service technician for him, since the company uses its own network of preapproved technicians. However, if a technician wasn’t available in his area, the company would let him choose his own.

We recommend Liberty Home Guard (LHG) for Colorado homes that need specialized system or appliance coverage. The company offers 30 add-on coverage options, including roof leaks, sump pumps, and gutter cleaning. 

Monthly cost: $49–$59

While reviewing the Liberty Home Guard sample contract, our team learned that the company doesn’t offer roof-leak coverage under its standard coverage. Instead, you’ll need the add-on feature for those protections. Two of its plans, Systems Guard and Total Guard, include heating coverage with a $2,000 limit. However, plumbing only receives a $500 cap. We also learned that LHG doesn’t offer set service call fees for each customer. Instead, the company determines your fee based on your select plan, add-ons, and location. 

We’ve detailed LHG’s coverage plans below:

• Appliance Guard: This appliance-only plan includes nine major appliances, including dishwashers and garbage disposals. Covered items receive a $2,000 coverage cap. 
• Systems Guard: The system-only plan protects six essential systems, such as air conditioning, heating, and water heaters. Although most systems receive the same $2,000 cap, plumbing and electrical have a $500 limit. 
• Total Home Guard: The highest plan offers comprehensive coverage, combining Appliance Guard and Systems Guard protections. 

You can choose between monthly and annual premiums. Our sample quote included two additional months of service when we chose annual billing. Service call fees range between $65–$125. 

Here are LHG’s monthly premiums and service call fees:

LHG offers one of the largest add-on catalogs in this review, with almost 40 available options. 

Add-on pricing ranges from $3.00–$35.99 per month. You can add roof-leak coverage for $11.99 per month to any plan. When using the online quote tool. LHG recommends certain add-on coverage based on your location. Below are the most popular add-ons for Colorado residents:

• Limited roof-leak coverage
• Lawn sprinkler system
• Septic system pumping
• Sump pump
• Well pump

Our team tested Liberty’s customer support to find the best options:

• Our calls connected in less than a minute when we contacted Liberty’s customer support team. Each representative we spoke with was friendly and answered our questions thoroughly. 
• When we tried the online chat feature it connected in 30 seconds, however, we were initially connected to an automated bot. The bot offered to connect us to a live representative for more specific details. After requesting to speak with an agent twice, we transferred to a live representative. 
• Based on our experience, we recommend using the online chat for general questions and calling in for plan-specific inquiries.

We recommend Select Home Warranty for Colorado residents looking for low-cost HVAC and roof-leak protection. Select offers affordable prices under $50 and free roof-leak coverage with every plan. 

Monthly cost: $44–$47

After analyzing the Select Home Warranty sample contract, we discovered only HVAC systems receive coverage caps above the industry standard. While HVAC systems receive a $3,000 cap, other items receive $500 or lower. Its coverage doesn’t include items with preexisting conditions, making Select a better choice for homes with new systems and appliances. We recommend Select for Colorado homeowners who need minimal coverage at lower costs. 

We’ll detail Select’s plan coverage options below:

• Bronze Care: The lowest plan offers system-only coverage for eight home appliances, such as clothes washers, dryers, and dishwashers. You receive a $500 cap for all appliances.
• Gold Care: The next tier covers six major home systems, such as air conditioning, heating, and plumbing. Heating and cooling systems receive a $3,000 cap. Other systems receive the standard $500 limit. 
• Platinum Care: The highest plan tier includes Bronze and Gold Care items and adds garage door openers and plumbing stoppages. All coverage limits remain the same. 

Select Home Warranty offers monthly and annual premium options. The company offers $150 off plus two additional months of coverage for choosing an annual plan. The company offers a $60–$75 service call fee but doesn’t let you choose your preference. A representative told us that the lower service call fee is an over-the-phone promotion.

Here are Select Home Warranty’s monthly costs and service fees:

Select offers some of the cheapest add-on options in this review. Pricing ranges between $3.33 and $8.33. To receive roof-leak protections, you must add the add-on coverage to your plan. 

Select offers nine add-on options, including the following items: 

• Central vacuum
• Lawn sprinkler system
• Pools and spas
• Septic system
• Standalone freezer

We recommend calling Select Home Warranty when requesting quotes. During secret shopping, we received an exclusive over-the-phone deal with the lowest service call fee. In addition, the Select customer support representative advised that the company prefers processing claims and handling account issues over the phone. 

We also learned that Select sends preapproved service technicians to handle its requests. The company will let you choose your own technician if none are in your area. Select must approve them first, though.