Best Home Warranty Companies in New York (2021)

From the beautiful state parks of New York like the Adirondacks and Letchworth to the Finger Lakes and central NY, out west to Buffalo and Rochester, and all the way south to the Big Apple; New York has it all. However, New York is home to diverse climates with snowstorms leaving up to 27.5” of snowfall in one region and record-breaking temperatures over 100º Fahrenheit in another. These great changes in weather can cause extensive wear and tear on your home’s systems and appliances.

In this guide, we will give you information on:

• The best home warranty companies in the state of New York
• Why do New York homeowners need a home warranty 
• How to choose the best home warranty plan for your home

A home warranty gives a homeowner protection against repair and replacement costs of systems and appliances. Home warranties are different than home insurance protection, and they sometimes offer more practical coverage for the average homeowner. Choosing the best home warranty company will ensure that you get the best protection for the most competitive price. By the time you are done with our guide, you will have a thorough understanding of what a New York home warranty is and how to get the coverage you need. 

New York’s Top 5 Home Warranty Companies

We narrowed the list of hundreds of home warranty companies in New York down to the top five for you to review. When making these decisions, we are careful to consider the coverage options, plan choices, pricing, workmanship guarantee, time in the business, customer reviews, customer service, and more. Here is how New York’s top five ranked. 

1. Choice Home Warranty: Best Overall 
2. American Home Shield: Best Customizable Plans 
3. Liberty Home Guard: Most Trustworthy 
4. Cinch Home Services: Best Workmanship Guarantee 
5. America’s First Choice Home Club: Most Comprehensive Coverage

1. Choice Home Warranty

Choice Home Warranty is the best overall home warranty in the state of New York. Choice is one of the most well-known brands in the industry, and you have likely heard of their services at some point. The company has been around for 13 years, and they offer comprehensive policies and coverage choices for your home. The Choice Home Warranty has a BBB rating of a B, and they are great at sorting out any type of customer service or logistics issues. 

There are two Choice Home Warranty plans to choose from. Although some companies tend to have three or more, the Choice plans will cover everything necessary in your home. In fact, both of these plans are combo plans covering systems and appliances; this makes the value of each of the plans quite impressive. In addition to the two policy choices, there are plenty of add-on options that you can consider as well. 

The add ons to the Choice Home Warranty plan include: 

• Central vacuum
• Limited roof leak
• Septic system
• Septic tank pumping
• Sump pump
• Well pump
• Pool/Spa
• Second refrigerator
• Standalone freezer

The Choice Home Warranty is quite average, coming in at $85 per service request. With the overall fair pricing of the policy, combined with this service fee, the Choice plan is an excellent affordable option for homeowners. 

Choice Home Warranty is known for accepting homes of all ages into its home warranty program. If you have spent most of your life in your home and are worried about upcoming expenses, don’t hesitate to reach out to Choice Home Warranty today. 

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

American Home Shield is the most customizable plan for New York residents. The homes in New York are very unique and appeal to a wide range of budgets and incomes. Having the ability to customize your plan to cover as much or as little of your home as necessary is a tremendous benefit. The American Home Shield company has been in business for more than 50 years. They are continually recognized as the most premium provider of home warranty coverage for New York homes. 

There are three American Home Shield plans to choose from. One plan will cover just systems, but there are two other American Home Shield plans that will cover both systems and appliances. The comprehensive policies tend to be more popular as they provide more peace of mind. Overall there are also add on or optional coverages that you can add to the policy to make it even more appealing to the new York homeowner. 

A few of the other add on coverage that you can get with American Home Shield includes:

• Electronic extended warranty
• Pool and spas
• Well pump
• Septic pump
• Guest unit
• PC and TV

American Home Shield allows policyholders to customize their service fees. If you want a low monthly payment, your service fee will likely be more than $125 per month. For the higher monthly payment option, the service fee can go as low as $75. 

When a home warranty policy gives you this many options to work with, you will quickly understand why they are known for being a premium provider. If you like to have some say in what you are paying for and how it will protect your home, go with the American Home Shield home warranty.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839.

To read more, visit our American Home Shield review.

3. Liberty Home Guard

Liberty Home Guard is the most trustworthy home warranty on the market. New York homeowners are fortunate that Liberty Home Guard was added as a coverage choice just two years ago. Although Liberty Home Guard has spent just two years in the market, they have managed to get an A BBB rating. For a home warranty company to get this kind of accreditation in a two-year period, they are certainly doing something right! If you want a modern company that knows how to handle customer service, Liberty is a great choice. 

There are three Liberty Home Guard plans to choose from. Each of the plans offers plenty of coverage and some great options for all homeowners. However, the thing that sets Liberty Home Guard apart is the add-on choices or optional coverages. With the Liberty Home Guard plan, you will have no trouble getting the exact coverage for the specific items your home needs the most help with. 

The add on coverage from Liberty Home Guard is one of the most extensive in the industry and includes things like:

• Pool and spa
• Additional spa
• Saltwater pool
• Gutter cleaning
• Floor/carpet cleaning
• Sump pump
• Fixtures
• Water softener
• Trash compactor
• Lawn sprinkler system
• Electronics protection
• Swamp cooler
• Ejector pump
• Septic system pumping
• Limited roof leak
• Pest control
• Locksmith
• Free-standing ice maker
• Central vacuum
• Stand-alone freezer
• Re-key
• Second refrigerator
• Wine refrigerator
• Well pump
• TV and PC
• Generator
• Water dispenser 

Service fees for Liberty Home Guard are $60. This is considerably lower than other plans on the market and something for New York residents to consider. Although the Total Home Guard package is priced a little high, the coverage is broad, and the service fee is low. 

One of the factors that we recommend homeowners look at when choosing a home warranty is the time spent in the industry. However, with Liberty Home Guard and the impression they have made since entering into the business, it is well worth considering this for your New York home warranty.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

To learn more information, visit our Liberty Home Guard review.

4. Cinch Home Services

The Cinch Home Services Plan has the best workmanship guarantee for the New York homeowner. The workmanship guarantee on a Cinch Home Services repair is 180 days, almost twice the average for most home warranty plans. In addition, Cinch Home Services has an A- rating from the BBB. With more than 40 years in the industry, having a rating this high is quite impressive. The Cinch Home Services team is professional and thorough in all of the work that they complete. 

Like many of the home warranty companies on the market, Cinch offers a systems plan, appliance plan, and a Complete Home Plan. The Complete Home Plan covers everything that is in both the systems and the appliance plan, and it is known for its comprehensive coverage. Cinch Home Services also offers add-on, the choices for pools and spas as part of their protection. 

The add ons or optional coverages from Cinch Home Services are:

• Pool (includes heater)
• Spa (includes heater)
• Septic tank/plumbing
• Well pump
• Pool with spa (includes heater)
• Premier Upgrade Package*

Cinch Home Services offers similar monthly fee/service fee choices that American Home Shield does. The lowest monthly pricing with Cinch Home Services comes with a $150 service fee; the higher monthly fees will reduce the service fee to around $75. 

If you want a company with a strong history and reputation, Cinch Home Services can be a great choice. One of the things that will stand out from the start is the quality of the technicians that come to your home to make a repair. You will have complete confidence in the abilities of the Cinch Home Services home warranty.

Cinch Home Services will give you a free quote after filling out this form or calling 877-589-0505.

Read more by visit our Cinch Home Services review.

5. America’s First Choice Home Club

America’s First Choice Home Club is known for its impressive and comprehensive coverage. With this policy in place, you can have your entire house covered without any trouble. America’s First Choice has spent more than 12 years in the industry, and they have an excellent handle on what New York homeowners want for their homes. The policy options and payment plans are much more diverse than any other plan on the market. In addition, with America’s First Choice, you get to choose your service technicians. If you know of a great plumber or electrician and want to continue to use them, you can do so. 

America’s First Choice Home Club will have four plan choices. Each of these plans can be paid for monthly, by the year, or for three years. The more money you put down initially, the more you will save long term. America’s First Choice Home Club also offers add-on coverage outside of their four basic plans. 

The optional coverage or add-on choices for America’s First Choice Home Club include:

• Sump pump
• Septic system
• Hot water dispenser
• Pool
• Spa
• Stand Alone Freezer
• Central Vacuum 
• Well Pump 
• Tankless Water heater 

With America’s First Choice Home Club, you will pay between $75 and $125 for a service fee. The higher your monthly payment amounts are, the lower the service fee will be. Overall, America’s First Choice Home Club policy is relatively affordable; you just have to choose a plan that works for your specific needs. 

With the comprehensive coverage that America’s First Choice Home Club offers, you will find it relatively easy to get the coverage you need for your New York home. With all the different options for payment, you can also make this work for your budget.

To get a free quote from America’s First Choice Home Club, fill out this online form or call 877-755-1115. 

For more information, visit our AFC Home Club review.

New York Home Warranty Buying Guide

Narrowing down the top five home warranties in New York took quite a bit of time and research. Now you will need to narrow this list down to just one provider for your home. There are some important things to consider when choosing a home warranty. Three essential factors that we recommend looking into are overall pricing, add-on coverage, and policy limits. 

• Overall Pricing: The pricing of the policy can be determined by looking at both monthly coverage and service fee pricing. The plan’s overall price will likely be between $40-$60 per month for a New York home warranty. 
• Add On Coverage: Add-on coverage options are essential for things like swimming pools, spas, and extra AC units. Ensure that you make a list of all systems and appliances you need to be covered in your home, then match that list to the provider that offers the best coverage. 
• Policy Limits: The policy limits are the amount of money that a plan will pay out towards a repair or replacement. Some companies have policy limits of around $500, and others will be closer to $3000 per appliance or system. 

Top Home Maintenance Problems in New York

New York offers four true seasons. You will get humidity, snow, and everything in between. Although people can learn to adjust to these changes in temperature, it can be harder for systems and appliances. Therefore, having a home warranty in place can ensure that your New York home stays in excellent condition all year long. A few of the things that your New York home warranty policy should cover include the heating system, HVAC system, and roof leak coverage. 

• Heating System: The New York winters are cold enough that your pipes in the home could freeze without the proper heat. If your heating system goes down, you will need a solution quickly. Home warranty plans can give you the help you need and a repair within just a few hours. 
• HVAC System: The cold NY winters are replaced with warm NY summers. Trying to get through a few August nights without air conditioning can be quite tricky. In addition, HVAC is an expensive repair. Home warranties will ensure that your only cost for a repair is the service fee. 
• Roof Leak: A roof leak is a small problem that can turn into a very big one. With roof leak coverage, you can get the leak attended to before it causes more damage to other systems and appliances in the home. 

Our Conclusion

Hopefully, you now feel a bit more equipped to make a great home warranty decision for your home in the Empire State. The Choice Home Warranty still stands out as the overall best option. The plan pricing, comprehensive coverage, and impressive history all make the Choice Home Warranty one of the best possible choices for New York homeowners. It makes sense to get quotes from a few different companies to ensure that you get a plan that will work for your needs.

To find the best home warranty in New York for your needs and wants, be sure to compare plan options, pricing details, service fees, customer reviews, add-ons, and read over a sample contract before signing onto a service. Overall, any of the options on this list could be an excellent fit for your home. 

House Method Home Warranty Ranking Methodology

At House Method, transparency and trust are our most important values for the reader. That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology.

We’ve done the homework for you and have researched over 50 home warranty companies so you can have the information you need to make the best choice for your home. Additionally, transparency and trust are our most important values for the reader.

That’s why we took the time to create an objective rating system and score each home warranty provider according to our methodology. Our team spent hours on the phone speaking to representatives from each home warranty company to get information right from the source. We also dug into the fine print on each company’s service agreement to make sure no detail was left out.

To make the most of our research, we developed a formula to objectively determine the best home warranty companies in New York-based on the following criteria:

• Plans: Do they provide a variety of plan options? We looked at the number of plans each company offered and the flexibility of adjusting the plan.
• Prices: How reasonable are the monthly fees and service fees in comparison to the industry average? We compared the costs of each company to competitors.
• Coverage: How many items are covered in each plan? We looked at the number of items each company covers. We dig into all service contracts available to get all the details.
• Customer service: How is the customer experience when calling the providers? Based on our phone calls, we were able to judge each company’s customer service.
• Trust: What do customers rate the company? We looked into what customers are saying about their experience with the company.
• Nationwide availability: How many states does the company cover? We found the number of states covered by each company.
• Unique perks: Does the company offer discounts or cover special items? We looked for perks offered by each company that sets them apart from the competition.

How do we keep our data up to date?

We want to make sure we’re providing you, the consumer, with the most current data available for every home warranty company we’ve researched and rated. That takes significant effort but we feel that’s vital to providing you thorough and trustworthy reviews.

With that in mind, we have dedicated staff members who regularly update our database of home warranty research.

For those that want to enjoy their years of being a veteran and come home to a house that is comfortable and functioning, a home warranty makes a lot of sense. For the price that a home warranty is offered, you will quickly learn that it is indeed a good value. At an average of around $40 per month, your policy will cost you just under $500 per year.

If you have ever had an appliance or a home system that needs repair, you probably understand quite well that you will quickly reach that $500 mark to get your home back up and running. Take your time to carefully consider your home warranty options, check around for veteran discounts and then give yourself the peace of mind that you deserve.