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Best Home Warranty Companies In colorado 2025

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.

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:

OUR #1 PICK
1

Elite Home Warranty

  • Strong HVAC system coverage for varying altitudes.
  • Transparent contracts with clear exclusions.
  • High customer satisfaction with responsive support.
$150 Off + 1 Month Free. 30 Day Free Trial!
4.9
Excellent
fourhalf_star
Call Now
MOST POPULAR
2

Choice Home Warranty

  • Comprehensive coverage for essential home systems and appliances.
  • No home inspection required for coverage initiation.
  • Flat $100 service call fee per claim.
1st month free + Free roof coverage
4.1
Excellent
fourhalf_star
BBB ACCREDITED
3

America’s First Choice

  • Comprehensive coverage for essential home systems and appliances.
  • Flexible contract lengths with multi-year discounts.
  • No home inspection required to initiate coverage.
20% Off All Plans + Free Roof Leak Coverage
4.3
Excellent
fourhalf_star
BEST RATED BY U.S. NEWS
4

ARW Home – American Residential Warranty

  • Affordable plans with flexible pricing options.
  • Wide variety of add-on coverages for customized protection.
  • Excellent customer support and transparent terms.
2 Months FREE* on All Plans
4.3
Excellent
fourhalf_star
5

Regency Total Home Warranty

  • Covers essential home systems and appliances for peace of mind.
  • Available in all 50 states for consistent service.
  • Round-the-clock assistance for claims and repairs.
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
4.1
Excellent
fourhalf_star

Is Home Warranty Plans Beneficial For Colorado Homeowners?

  • Colorado's unpredictable weather, including heavy snowfall in winter and hailstorms in summer, can cause significant damage to home systems and appliances.
  • Home warranty plans cover repairs or replacements of HVAC, plumbing, and electrical systems, safeguarding against weather-related breakdowns.
  • With Colorado's high altitude and dry climate, home warranty plans can address issues such as furnace malfunctions or water heater failures, ensuring year-round comfort and convenience for homeowners.
  • In regions prone to heavy rainfall or flooding, such as along the Front Range, home warranty plans can offer coverage for water damage to basements, foundations, and appliances, providing financial relief for affected 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:

  • Coverage needs differ between mountain homes (potential well pump issues) and metro homes in cities like Denver (focus on HVAC). Choose a plan that addresses your specific location's concerns.
  • Colder winters can stress plumbing systems. Consider plans with robust plumbing coverage or add-ons for burst pipes.
  • Colorado's frequent hailstorms can damage roofs. Explore plans with roof leak coverage or the option to add it for peace of mind.
  • Larger Colorado homes with more covered systems and appliances will generally cost more to cover under a home warranty.
  • Older Colorado homes might be more likely to need repairs due to potential foundation or plumbing issues, which could impact the warranty cost.
  • Service call fees can vary by location. Compare plans to understand if fees are fixed or if they depend on how remote your Colorado home is.

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?+

Does American Home Shield Cover Pre-Existing Conditions?+

Are Home Warranties Worth It In Colorado?+

Who Pays For The Home Warranty?+

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