Your home is your sanctuary so it is natural to feel frustrated and stressed when something in the house needs repair. Not only is it time-consuming, but it is also quite expensive and, most of the time, an unexpected financial hurdle. 

No matter where you live, you need to deal with home repairs at some point. Of course, Colorado is the same, and you may require home fixes and repairs in your Colorado home as well. This is where a home warranty comes in. Getting home warranty insurance in Colorado will help reduce the unexpected financial strain and also get you professional help for the work you need done. 

Continue reading to understand what home warranty insurance in Colorado can do for you. 

What is a Home Warranty?

Similar to an insurance policy, a home warranty is a service contract that gives protection to homeowners for repairing their home’s systems and appliances. It is different from regular homeowners’ insurance because a home warranty provides coverage for items not covered under homeowner’s insurance.

To better understand the difference, homeowners insurance protects the structure of your home and your belongings from a known peril mentioned in the policy, such as fire, theft, etc. On the contrary, a home warranty provides you protection for broken appliances and housing systems mentioned in the contract in case they break or need maintenance.

A home warranty is an essential component for protecting your home fully and being prepared for a sudden financial toll that can cause you stress and worry.  

What Does a Colorado Home Warranty Cover?

Multiple companies in Colorado offer home warranty plans, and you can pick one according to your needs. Every home warranty company provides its own plans. Hence, you will require help from an advisor to help you understand which plan will be beneficial and provide you with the most coverage.

Typically, a home warranty insurance in Colorado covers the following things in your home:

• Kitchen appliances, such as stove, oven, dishwasher, built-in microwave, and cooktop
• The heating system and ducts
• Plumbing systems
• Plumbing Stoppage
• Water heaters
• Electrical systems
• Garbage disposal
• Garbage door opener
• Whirlpool bathtub
• Exhaust fans
• Ceiling fans

Some home warranty companies in Colorado also offer you the advantage of expanding your plan and including other vital appliances in your home. The following are some items that you can include in your home warranty plan:

• Refrigerator
• Air conditioner
• Clothes washer
• Clothes dryer
• Sump pump
• Pool heater
• pool pump
• Central vacuum system
• Roof leaks
• Septic system and septic tank pumping
• Second refrigerator
• Standalone freezer
• Wine cooler

If you can afford a more comprehensive plan, it is good to get extensive coverage so you are well protected and major home repairs do not feel as massive as they are. 

What is the Cost of Home Warranty in Colorado?

The cost of home warranty in Colorado varies from company to company. You may require research to understand the kind of plan you need. Furthermore, you must note that a service call fee is charged every time you request the home warranty company to make a visit. Depending on the company, this fee can cost around $60 to $100. You may also get charged separately if there are multiple services required. In case the inspection officer rejects the claim, the service call fee is nonrefundable.

In addition to this, an annual premium is charged based on the kind of plan you have signed up for.

The cost also depends on the following factors:

• The coverage or plan you choose
• Square footage of your house
• Any additional coverage

If an item is not covered in your home warranty plan, you will have to pay for its repair or replacement yourself.



It is essential to compare to see which Colorado home warranty best fits your needs. Typically, a regular plan will cost you anywhere around $30 to $80 per month. 

How Does a Home Warranty in Colorado Work?

Once you compare and choose your home warranty plan, you must pay for the plan to initiate coverage. The coverage begins around 30 to 90 days after you have made the payment. 

Filing a claim is a simple process and is as follows:

1. Identify an issue in an item or system covered in your home warranty plan. 
2. File a claim for service. Many home warranty companies in Colorado offer online portals to request a service. 
3. The company begins processing the claim. Afterward, you must pay for the service call charge so the company may schedule a visit for an inspection of the particular appliance or system. 
4. Once approved, the home warranty company sends a service technician to either fix the problem or provide you with a replacement. You will need not pay additional charges except for the service fee. The technician usually comes within 24 to 72 hours. 
   

What Does a Home Warranty Insurance in Colorado Not Cover? 

Just like an insurance claim, your warranty claim can also be rejected if the home warranty company sees any issue. 

For instance, your home warranty plan does not provide cover if they feel the appliances and systems are not well-maintained. Of course, it is a bit of a gray area, and you may feel your premium and service call fee is wasted if this happens. This is why it is essential to keep your appliances and systems well kept in order to benefit fully from your home warranty plan. 

Furthermore, misusing or carelessly handling items will get your claim rejected. Additionally, natural disasters are also not covered in your plan. 

Hence, it is crucial that you go over these issues to ensure that your home warranty plan favors you

The Final Word

Home warranty insurance in Colorado is essential for homeowners. It assures you that if your home appliances or housing systems ever need unexpected repairs or replacements, you need not worry about the financial burden and additional costs. A home warranty plan will ensure that you have financial safety in a time when giving out significant amounts of payouts are common. 

It is essential to compare the plans of multiple home warranty companies in Colorado. Badger’s Insurance Advisors can help you out in this dilemma. We have decades of experience working with different clients and understand your needs. We make a calculated decision and suggest the best home warranty plan in Colorado that will be the right fit for you. 

Contact Badger’s Insurance Advisors today to get a quote for the best home warranty plan for you.