Home Warranty

7 best home warranty companies in Security-Widefield, Colorado

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Security-Widefield. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Consider a home warranty to financially protect your home's essential items. These policies cover the repair or replacement of common household systems and appliances, such as air conditioners and refrigerators, for a monthly fee.

Many key home systems break down before hitting the 10 to 15-year mark. HVAC systems typically last just seven to 25 years. The normal lifespan for water heaters is only six to 12 years, and most major appliances today stop working in under 20 years, according to the experts at the International Association of Certified Home Inspectors.

If your Security-Widefield house contains any aging dishwashers, furnaces or other appliances, you'll likely face a surprise breakdown. These best home warranty providers offer robust coverage at reasonable prices.

Homeowners insurance doesn't cover appliance failures due to normal wear and tear, so having a home warranty can provide you an extra cushion against the unexpected. We've done the research to determine what home warranty providers have the best major appliance and system coverage.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

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3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Security-Widefield

Here's our list of the best home warranty companies in Security-Widefield:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee if your covered item can’t be fixed or replaced.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American provides generous appliance coverage maximums in every plan. If you add the First American Advantage upgrade, miscellaneous items like appliance knobs and dials could also get protection.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Security-Widefield

You'll typically pay $41-$70 per month for a home warranty in Security-Widefield, in line with the national average. Opting for annual payments means spending anywhere between $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

With a home warranty, you'll have additional coverage for home appliances and major systems. However, it's not a substitute for homeowners insurance, and there are some exclusions to coverage. Below, we'll talk about what's generally covered and what's not.

What are the typical items covered under a home warranty?

Cooktops
Built-in microwaves
Dishwashers
Washing machines
Clothes dryers
Refrigerators

Major appliances form the first category of items that home warranties protect. This includes the following items: The second coverage category is major systems, which frequently consist of the following:

Water heater
Electrical
Plumbing
Central vacuum
HVAC

What items are typically not covered under a home warranty?

Home warranties, like most service contracts, don't cover everything. One thing that home warranties exclude is damage outside of normal wear and tear. For example, the warranty company could reject a claim for an AC breakdown if a dirty air filter is the cause. This is because replacing the air filter is considered routine upkeep. Additionally, home warranties won't cover preexisting conditions, rust or corrosion damage, cosmetic damage, improper system or appliance installation, acts of nature and hazardous waste.

Questions to ask home warranty providers in Security-Widefield

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items are covered by my policy?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can look for a provider that includes them. Some companies separate appliance and system coverage. Also, many home warranty companies offer optional coverage, such as for additional refrigeration or central vacuum. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

A typical home warranty plan is effective for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period serves as a way to prevent customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty companies allow you to select your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Security-Widefield to obtain repair approval from the home warranty provider. You can verify a contractor's license by searching your local government's or building district database.

How does your claims approval process work?

Each company's claims process is slightly different from the others. If a covered issue strikes, you could file a claim online or over the phone. Most companies try to address claims within 24 to 48 hours, though there might be processing delays when filing outside normal working hours. After you file your claim, a staff member will review it and connect you with an in-network repair contractor. The contractor's team will book an appointment with you to inspect the issue and diagnose the problem. Once the company grants final approval, the contractor can proceed with repairs.

Can I transfer my policy to the next owner of my home?

If you need to move, most home warranty contracts contain a clause permitting you to transfer the policy to the new homeowner. Some companies handle the transfer for free, though others will charge a transfer fee. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers buy these home warranty plans to boost their home's appeal.

Home warranty contract fine print

To finalize your research, we recommend reading the home warranty provider’s fine print and sample contract prior to purchasing a plan. Knowing the company’s terms and conditions can help you decide if it’s the right one for your needs. It'll also help you advocate for yourself if you need to file a claim. Below are several terms you should search for while reviewing the contract:

Service call fee: Each time you file a claim, the warranty company or repair provider will levy a service call fee between $75 and $125.
Workmanship guarantee: The workmanship guarantee is the time during which the home warranty company won't charge an additional service call fee for a repair if an in-network technician has recently serviced the item. The industry standard is 30 days, but some companies offer longer workmanship guarantees.
Exclusions: Even if a device is covered under your home warranty, it could still have applicable exclusions for specific parts. A sample contract should clearly outline these exclusions.
Cancellation: Companies generally specify how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company can pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.

Facts about Security-Widefield

Average High in July

84°F

Security-Widefield

83°F

National Average

Average Low in January

23°F

Security-Widefield

17°F

National Average

Average Daily Sunlight

73%

Security-Widefield

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Security-Widefield, Colorado

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