- 2 plans available + optional add-ons
- Has over 10 years of industry experience
- 90-day repair guarantee
- $36–$44 per month
Homeowners in New York know that they need to protect their properties with comprehensive homeowners insurance. But if one of your home’s major systems or appliances broke down, would you be able to cover the repair out of pocket?
A home warranty plan will cover the majority of repair costs for you, preventing you from going into debt. You just pay a monthly premium and a small service fee, and your provider will pay the remaining balance. To learn more about home warranties and how to sign up for one, read our guide on the best home warranties in New York state.
Home warranties will help you cover some of the most common repairs New York homeowners face. Keep reading to learn about a few of them.
While Choice Home Warranty has fewer coverage options than the rest of the providers in this review, both of the policies are easy to understand and include system and appliance coverage. They also come with a 90-day repair guarantee and a 30-day, money-back guarantee.
Let’s take a closer look at both plans:
In addition to two plan options, Choice also offers nine optional add-ons, including coverage for septic systems, pools, and spas.
When you use your plan from Choice, you’ll pay an $85 service fee.
Claim a free quote from Choice Home Warranty by filling out this online form or calling 929-400-6164.
Cinch Home Services is a Florida-based home warranty provider with 41 years of experience providing home protection plans across the country. The company is best known for its generous workmanship guarantee, which guarantees repairs for up to 180 days after the initial fix.
Cinch Home Services has three plans:
Cinch Home Services also allows you to customize your plan with up to six additional add-ons, including coverage for well pumps and spas.
In addition to your monthly premium, you’ll also pay a variable service fee of $100, $125, or $150 each time you use your coverage.
Claim a free quote from Cinch Home Services by filling out this online form or calling 833-743-1056.
Amazon Home Warranty has more add-on options than the rest of the providers in this review with over 20. This allows customers to customize their plan to protect every aspect of their home, including uncommon components like whole-house humidifiers.
Amazon Home Warranty currently offers three plan options:
Amazon Home Warranty’s list of 23 optional coverages includes items like wine refrigerators and duplexes.
You’ll also pay a $75 service fee each time you use your plan.
Claim a free quote from Amazon Home Warranty by filling out this online form or calling 866-605-8194.
Like Cinch Home Services, America’s First Choice (AFC) Home Club has a generous workmanship guarantee. Any repair you receive will be protected under a guarantee as long as you maintain an AFC Home Club membership.
AFC Home Club currently offers the following four policies:
AFC Home Club also offers optionals coverage for nine more areas of your home, ranging from sump pumps to hot water dispensers.
When you use your plan from AFC Home Club, you’ll pay a service fee of $75, $100, or $125. Like Cinch Home Services, you can choose your own service fee.
Claim a free quote from AFC Home Club by filling out this online form or calling 877-755-1115.
With almost 50 years of experience, American Home Shield is one of the country’s oldest home warranty providers. American Home Shield has maintained an accreditation with the Better Business Bureau along with a B score, meaning you can trust that you’re getting high-quality coverage.
American Home Shield currently offers three plan options:
American Home Shield has optional coverage for five areas, including guest units and electronics.
American Home Shield also lets you choose your own service fee between $75 and $125.
Claim a free quote from American Home Shield by filling out this online form or calling 888-365-2839.
In addition to coverage and monthly cost, you’ll also want to consider the following factors before purchasing a policy:
We compared a wide range of factors when selecting our top home warranty companies in New York. From price to customer testimonials, we know what characteristics homeowners value the most. However, the best home warranty policy for your family might be different from another family depending on your specific preferences and living conditions. That’s why we recommend getting a quote from all five of the providers on our list to see what each company can do for you.
What does a home warranty usually cover?
Home warranty companies will offer plans that cover systems, appliances, or both with system coverage usually including your electrical system, plumbing system, HVAC system, water heater, and ductwork and appliance coverage including your refrigerator, dishwasher, washer, dryer, and stove.
What won’t a home warranty cover?
Each policy will have different exclusions. However, no home warranty will cover perils typically found in your homeowners insurance policy, like fire, theft, and falling objects.
Can I buy a home warranty after something breaks?
You can buy a home warranty at any time. However, most home warranties have a 30-day waiting period to prevent you from filing a claim at the beginning. If that’s the case, you’ll have to pay for the repair out of pocket before your coverage begins.
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American Home Shield Reviews
Read reviews about American Home Shield to find out why we deem it the best home warranty option for customizable plans.
The Home Service Club (HSC) Review (2021)
The Home Service Club reviews reveal it's the most responsive home warranty company. Learn about its fast coverage, customer service, and costs with our guide.
America’s First Choice (AFC) Home Club Review (2021)
Read America's 1st Choice Home Club reviews to learn more about AFC Home Club's exclusive club benefits and choose-your-own-contractor policy for home repairs.
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