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State guide · CONo paid placement

Home warranty
in Colorado.

Colorado regulates home warranty service contracts in Part 9 of the real estate article of its statutes.

Regulated as a service contract3 reviewed providers ranked
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Why Colorado is different

Colorado regulates home warranty service contracts in Part 9 of the real estate article of its statutes. Every contract must list all exclusions and limits, including any preexisting-condition exclusion, plus the repair time frame, an exact end date and whether it can be transferred. Since July 1, 2024, a contract issued or renewed that covers replacing a gas furnace, boiler, water heater, stove or other gas appliance must let you choose an electric replacement, such as a heat pump. Any extra cost for the appliance itself is capped at the difference in retail price. A home warranty company can't require you to buy a contract to buy, sell or refinance a home. Nor can a lender make one a condition of a purchase loan.

Source: C.R.S. §§ 12-10-901 to 12-10-906, home warranty service contracts in the real estate article (Colorado Revised Statutes 2024, Title 12) (State statute, accessed 2026-10-07) · Colorado House Bill 23-1134 (enrolled) (State statute, accessed 2026-10-07) · Colorado House Bill 26-1287, Sunset Division of Real Estate (became law; repeals the 2026 sunset of Part 9) (State statute, accessed 2026-10-07)
Coverage-priority context · CO

What breaks in Colorado.

Issue 01
Wide temperature swings and a long heating season stressing furnaces and boilers
Issue 02
Bentonite expansive soils on the Front Range affecting slab plumbing
Issue 03
High-altitude, low-humidity conditions and hard water accelerating water-heater wear
§ 02Best providers in Coloradoranked by Warranta editorial score · /5 scale · how we score
01
American Home Shield
Homeowners who want broad systems coverage and a choice of service fee.
Score
4.1/5
Read review →
02
Cinch Home Services
Homeowners who want a high total limit and value-added perks and accept a higher deductible.
Score
3.9/5
Read review →
03
Old Republic Home Protection
Real-estate buyers and sellers who want a financially backed provider with a long operating record.
Score
3.9/5
Read review →
§ 03Common questions for Colorado
When does coverage start after I buy a plan?
When the waiting period in your contract ends. Providers set different lengths. Liberty Home Guard's sample policy starts coverage 30 days after purchase and requires covered items to be in working order that day. American Home Shield's 2024 sample plan agreement shows an initial waiting period of 0 days. Under Liberty's terms, a covered item that breaks on day 20 falls inside that 30-day holding period and is not covered, so read each provider's sample contract before you buy.
Can I buy a plan after something has already broken?
You can buy one, but the two sample contracts we read would not pay for a breakdown you already have. Liberty Home Guard's sample policy "does not cover any known or unknown pre-existing conditions." American Home Shield's 2024 sample plan agreement says a covered breakdown "must occur during the Plan Agreement Term," and it excludes earlier breakdowns that "were either known by you or were reasonably detectable by you."