Home warranty in Colorado

In Colorado, you can buy a home warranty at any time, whether you are in the process of buying a house, have recently purchased one or have owned your home for several years. 

A home warranty serves as a contract that helps cover the repair and replacement of major home appliances and systems when they experience a mechanical failure due to normal wear and tear. 

 A typical home warranty in Colorado generally lasts for one year. Most plans from Cinch Home Services will automatically renew annually. 

 To ensure widespread protection, Colorado homeowners may want to consider a complete or combined home warranty plan. 

Yes, there is a significant difference between homeowners insurance and a home warranty in Colorado. Home insurance covers damage to the home’s structural components and belongings from covered perils like fire, windstorms, theft and sometimes flooding. A home warranty covers repairs or replacements of major appliances and systems that experience a mechanical failure due to normal wear and tear, not sudden catastrophic events. There’s also an extended warranty that usually covers a single appliance and can be purchased via the manufacturer or third parties.

 No, home warranties are not legally required in Colorado, but they are highly recommended for financial protection and peace of mind. 

The details surrounding payment for a home warranty can be negotiated between the seller and the buyer during the closing process. If it’s not included in negotiations, buyers can still obtain a home warranty after purchase.

Colorado real estate sellers can acquire a home warranty plan for coverage for repairs or replacements of major appliances and home systems when they experience mechanical failure due to normal wear and tear during the listing period. Essentially, the home warranty helps protect the seller from unexpected repair costs if a covered item breaks down while the house is on the market.

 Home warranties are not indefinite, and the length of coverage depends on the contract. If your home warranty lapses, you'll be responsible for the full cost of repairing or replacing any major appliances or systems that break down. 

Colorado homeowners can renew their home warranties by contacting their provider. Some companies also allow you to renew online through your account portal by logging in and selecting the renewal option. Our warranties (and most others) renew automatically.