Blue Ribbon Home Warranty Review

Protecting Colorado homeowners from costly home repairs

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Blue Ribbon Home Warranty

Blue Ribbon Home Warranty

Our Take

If you live in Colorado and are looking for a home warranty, Blue Ribbon is definitely a provider to consider. The company offers coverage that lasts 14 months, rather than the usual 12. Plus, repairs are guaranteed for 30 days. But, be sure to read payment caps and exclusions carefully before you buy.

Based on our review of over 20 home warranty providers, Blue Ribbon Home Warranty was not one of the best companies we found. To see other options that may be better, visit our list of the best home warranty companies.

  • Pros and Cons
  • Key Takeaways
  • Specifications
Pros and Cons
Pros
  • 14-month standard contracts compared to 12-month contracts from most home warranty providers.

  • $65 trade service call fee which is lower than many other home warranty companies.

  • Customer service & claims reporting available 24/7/365 by telephone or online.

  • Preventive maintenance plan available.

  • No age limitations on home appliances or systems.

Cons
  • Coverage is only available in Colorado.

  • Greater than industry average caps on coverage.

  • Numerous coverage exclusions.

Key Takeaways
  • Blue Ribbon only provides home warranties to homeowners and real estate agents in the state of Colorado 
  • Home warranties from Blue Ribbon last for 14 months instead of 12 
  • Most customer complaints are about work not being covered under a warranty 
  • Blue Ribbon guarantees that a technician will contact you within 24 hours of filing a claim
  • Blue Ribbon as lots of payout caps compared to other providers 
Specifications
  • Year Founded 1985
  • Coverage Coverage for the state of Colorado only.
  • Customer Service 24/7/365 online or by telephone (800-571-0475)
  • Waiting Period Coverage begins after a home inspection has been completed.
  • Contractor Network Contractor network within the state of Colorado.
  • Service Recall Period 30 days
  • Number of Plans 3 homeowner plans. 3 Realtor plans. Optional coverage available at an additional charge.
  • Coverage Limit Numerous payout caps (See payout caps section above).
  • Contract Length 14 months
  • Payment Options Company reserves the right to repair or replace a covered appliance/system or may pay a cash reimbursement in lieu of repair/replacement.
  • Cost Trade Service Call fee is $65. Plan costs range from $325 to $795.
  • Official Website https://www.blueribbonhomewarranty.com/

Blue Ribbon Home Warranty was founded in 1985 as a home warranty plan provider to Colorado residents. The company takes pride in being locally owned and operated and the only home warranty provider located in the state of Colorado.

We took a close look at Blue Ribbon Home Warranty to see what they have to offer and determine if its home warranty coverage is worth investing in. During our review process, we examined coverage territory, types/costs of plans, BBB rating, repair time, payout caps, and more.

Company Overview

Blue Ribbon Home Warranty was founded in 1985 and is locally owned and operated within the state of Colorado. It only provides home warranty plans to residents of Colorado and has multiple plan options for homeowners and real estate professionals.

Homeowner & Realtor Plans

These options are available for both the homeowner and the realtor home warranty plans. Optional items that are available for all plans include: built-in double wall oven, gas fireplace, well, septic tank, sewage ejector pump, pool, hot tub, pool and hot tub combo, and roof leaks.

COVERED Silver Gold Platinum
Heating System
Ductwork
Plumbing System
Water Heater
Built-in Whirlpool Tub
Sump Pump
Electrical System
Garage Door Opener
Central Vacuum
Doorbell (wired)
Kitchen & Bathroom Exhaust Fans
Refrigerator
Oven/Range
Dishwasher
Over the Range Microwave
Garbage Disposal
Trash Compactor
Washer  
Dryer  
Central A/C, Evaporative Cooler, Heat Pump or Whole House Fan  
Blue Ribbon Premier Upgrade    
Maintenance Plan    
2nd Garage Door Opener    
Three items from additional items menu    

Optional Coverage

Prices are for a fully paid 14-month plan. There is no difference in pricing between realtor plans and homeowners plans. However, homebuyers may be able to get sellers to buy the plan for them in escrow through the realtor.

Optional System Coverage Cost
Heating System $125
Water Heater $95
A/C, Evaporative Cooler or Whole House Fan $125
Refrigerator $95
Stove $50
Built-in Double Oven $95
Dishwasher $50
OTR Microwave Oven $50
Trash Compactor $40
Washer $50
Central Vacuum $50
Garbage Disposal $40
Washer $50
Dryer $50
Garage Door Opener $50
Gas Fireplace $60
Sump Pump $40
Roof $50
Well $90
Septic Tank $50
Sewage ejector pump $75
Pool $150
Hot Tub $150
Pool & Hot Tub Combo (with common equipment) $195
*Blue Ribbon Premier Upgrade $75
**Preventive Maintenance Check & Cleaning $75
***Supplemental Coverage $125

*Blue Ribbon Premier Upgrade: rollers, racks, removable baskets, rotisseries, handle knobs, buckets, lights, lock, and key assemblies and shelves; Air conditioning: window unit; Garage door: hinges, springs, and remote; Plumbing: main sewer line cleaning, faucets (chrome), showerheads and arms, toilet tank and bowl (2 pieces white), urinals, power flush mechanisms, hose bibs (excludes freezing), pressure regulators and hot water dispenser; Heating system: registers and grills. Maximum limit $120 per system per contract period. 

**Preventive Maintenance Check & Cleaning: At your request and with the payment of the copay per item, we will perform one preventive maintenance check per item during the term of this contract on any of the following covered items: kitchen appliances, laundry appliances, water heater, heating system, cooling system, and garage door opener. Note: co-pay is not waived on renewals.

***Supplemental Coverage: Boiler: circulating pump and fill valve; Tankless water heater: all mechanical components; Code upgrades: associated with the necessary heating system, air conditioner, water heater replacement, and power vents. Maximum limit: $1,400 per contract.

Our Expert Janet Says

There is no difference in pricing between realtor plans and homeowners plans. However, homebuyers may be able to get sellers to buy the plan for them in escrow through the realtor.

Exclusions

Exclusions obtained from a downloadable sample contract.

  • Plumbing: Plumbing fixtures (faucets, sinks, toilets, tubs, showers, enclosures, and base pans), urinals, power flush mechanisms, instant water dispensers, electronic controls, touch controls, caulking and grouting, stoppage in incoming water lines, water flow restriction caused by chemical or excessive mineral deposits, insufficient or excessive water pressure, pressure regulators, on-demand systems, main sewer line, water softener, septic tanks, sewage ejector pumps, circulating pumps, sprinkler systems, saunas, steam rooms, timers, collapsed pipes, polybutylene lines or abs (manufactured in the mid-1980s) plastic piping, tanks (oil, pressure, expansion, storage or sidearm unit, etc.), sedimentary buildup, hose bibs or blockages caused by foreign matter. Dedicated plumbing associated with excluded items is excluded.
  • Electrical: Lighting fixtures, attic fans, intercom, burglar, smoke and fire alarms, chimes, low voltage lighting controls, garage door, springs, tracks, photo-eye, transmitter, security touchpad and panels that have lost their UL listing. Dedicated electrical associated with excluded items is excluded.
  • Appliances: Clocks or self-cleaning mechanisms (unless it affects the function of the oven), timers, rotisserie, meat probes, interior lining, door glass, tubs, water reservoirs, refrigerant and refrigerant recapture, ceramic and glass stovetops, sensi-heat burners, refinishing or replacement of countertops, cabinets, tile and floors, portable dishwashers, countertop microwave ovens, appliance knobs and handles, lights, tracks, removable baskets, lock and key assemblies, springs and hinges, multimedia displays or food spoilage 
  • Heating Systems: Portable units, wall units (that are not main source of heat to the home), filters, electronic air cleaners, humidifiers, registers, tanks (oil, pressure, expansion, storage or sidearm unit, etc.), circulating pumps, fill valves, backflow preventers, purging, steam systems, glycol filled systems, stoppages in water lines, water flow restrictions, chemical or mineral deposits, baseboard casings, fireplaces, and key valves.
  • Ductwork: Flue ducts, vent dampers and power vent unit, zone damper systems, registers or grilles, collapsed, crushed or improperly sized systems.
  • Washer and/or Dryer: Plastic mini-tubs, soap dispensers, filter screens, knobs, dials, springs and hinges, venting or lint screens and damage to clothing.
  • Ducted Air Conditioning System, Evaporative Cooler or Whole House Fan: Refrigerant and refrigerant recapture, conversion, condenser casings, roof jacks, stands, registers, filters, electronic air cleaners, gas air conditioners, window and wall units that are not ducted
  • Roof: Patio, porches, decks, metal roofs, masonite (hardboard, omni board, woodruff) shingles or cemwood shakes, tiles, asphalt, flashing, skylights, or if roof has deteriorated to such an extent that it can’t be fixed or needs to be replaced.
  • Gas Fireplace: Manufactured logs, glass doors and remotes.
  • Pool and/or Hot Tub (Including Salt Water Pool): Pool sweep motors, lights, liners, filtration system, jets, control switches, computerized control boards and ozonator, fuel storage tanks, built-in or detachable cleaning equipment including pop-up heads, turbo valves, or covers.
  • Well Pump: Well casings, tanks (pressure, expansion, holding or storage, etc.), gauges, piping, control panels, electrical lines leading to or connecting pressure tanks and main dwelling or re-drilling of wells
  • Septic/Dry Refuse Tank: Broken or collapsed sewer lines, roots, stoppages that prevent the effective use of any sewer machine cable, cost of finding or gaining access to septic tanks, cost of sewer line hookups, disposal of waste, chemical treatment of the septic tank and/or sewer lines, tanks or leach lines, cesspool, any mechanical pump or systems, and excavation
  • Sewage Ejector Pump/Lift Station: Sewer line and inaccessible pump.

Blue Ribbon’s payout caps are about average, but they have many more caps than many other home warranty providers 

Payout Caps

Blue Ribbon has numerous payout caps. While the dollar amounts are in line with industry standards, the number of caps seems to go above many other home warranty providers we have reviewed. Blue Ribbon’s home warranty payout caps include:

  • $2,000 for gas electrical, hot water heating system, heat pump, dual pack, air conditioner, or evaporative cooler
  • $1,600 for electrical system, hot tub or pool
  • $1,000 per water heater
  • $750 per refrigerator
  • $250 for hood, kitchen, or bathroom exhaust fans
  • $600 per sewage ejector pump, garage door opener, kitchen or laundry appliance
  • $1,500 per built-in double oven
  • $1,000 per gas fireplace
  • $800 per whirlpool tub
  • $1,200 per well pump
  • $500 for septic system pumping
  • $350 for roof leaks
  • $250 for lead or galvanized piping
  • $120 for each ceiling fan or drain cleaning
Our Expert Janet Says

Carefully check the exclusions and payout caps to make sure your home appliance or system is covered before purchasing a home warranty plan.

Repair Time

Blue Ribbon guarantees a service technician will contact within 24 hours of the time you place a service call. If you are not contacted within 24 hours, your co-pay may be waived. Non-emergency repairs are scheduled within normal weekday business hours. For emergencies (conditions that endanger health and safety and other repairs deemed an emergency by the company), the company will make reasonable efforts to expedite repairs. 

Customer Service/Claims

You can report a claim 24/7/365 by calling 800-571-0475 or by submitting your claim online. You can reach customer service by calling 303-986-3900 directly or through the contact us page on the company website.

BBB Rating

Blue Ribbon Home Warranty has an “A+” rating with the BBB and has been an accredited business since 1988. There are over five reviews and over ten complaints filed with the BBB on Blue Ribbon Home Warranty.

The majority of the complaints were in the guarantee/warranty category or in the problem with a product or service category. A common complaint was that repairs were not covered under the warranty. You can visit the company’s BBB profile to see how it responds to customer complaints.

Pricing

Homeowner & Realtor Plan Pricing

Prices are the same for homeowner and realtor plan pricing. All prices are estimates for fully paid 14-month plans.

Home type Silver plan Gold plan Platinum plan
Single family home $375 $475 $795
Condo or townhouse $325 $425 $745

The Competition: Blue Ribbon Home Warranty vs. Select Home Warranty

Blue Ribbon Home Warranty and Select Home Warranty both offer 14-month coverage options. However, the 14-month option comes standard with Blue Ribbon’s plans. Both companies have numerous payout caps and exclusions but Blue Ribbon appears to have a greater number of payout caps although the amount of the caps is in line with industry standards.

Blue Ribbon only provides coverage in the state of Colorado

Blue Ribbon guarantees contact from a service technician within 24 hours of filing a claim; whereas Select Home Warranty dispatches a repair technician within two days after you’ve made your claim. Select’s plan pricing ranges from $400 to $600; Blue Ribbon plan prices range from $325 to $795. Blue Ribbon has a better BBB rating of “A+” compared to Select’s “B” BBB rating. Blue Ribbon gets the “blue ribbon” as the better of the two in our book, but only for residents of Colorado as it is the only state covered.

Final Verdict

Blue Ribbon Home Warranty coverage has good coverage for residents of Colorado. The company offers 14-month policies while most home warranty companies only offer a policy for one year. Repair workmanship is guaranteed for 30 days. Carefully check the exclusions and payout caps to make sure your home appliance or system is covered before purchasing a home warranty plan.

We believe Blue Ribbon’s home warranty plans are worth the cost for residents of Colorado.

Methodology

There are several aspects to think about in choosing a home warranty. To help readers pick the plan that works best for them, our methodology for reviewing home warranties includes a quantified scoring system that evaluates plan pricing, exclusions, payout caps, repair times, and terms, comparing them to other carriers across the industry. Third-party ratings and customer satisfaction scores are also factored in to help assess an insurer's overall quality and value.