Best Home Warranty Companies in New York

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.

New York’s top 5 home warranty companies

Top home maintenance problems in New York

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.

• Electrical system hazards: Electrical safety hazards are a major issue for older homes in New York. If you live in an older property, a home warranty with systems coverage can help manage these often expensive repairs.
• Heating system breakdowns: Winters in New York can be cold, with temperatures dipping as low as 25 degrees in January. These lower temperatures can cause heating system breakdowns from excess strain, which can be expensive to repair without a home warranty.  
• Frozen pipes: Freezing temperatures aren’t just dangerous for your home heating system—they can also cause your pipes to freeze or even burst. A home warranty with systems coverage can help you repair your plumbing system if it becomes a victim of wintertime damage.  

1. Choice Home Warranty

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:

• Basic Plan ($36.17 per month): The Basic Plan includes coverage for 14 of your home’s components, ranging from your heating system to your oven. 
• Total Plan ($43.85 per month): The Total Plan offers comprehensive coverage, with everything in the Basic Plan plus four additional coverages. 

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.

2. Cinch Home Services

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:

• Appliances Plan ($27.99 per month): The Appliances Plan includes coverage for 12 of your home’s essential appliances, like your refrigerator and range hood.
• Built-In Systems Plan ($32.99 per month): The Built-In Systems Plan includes coverage for 16 home systems, like your air conditioning system and doorbell.
• Complete Home Plan ($39.99 per month): The Complete Home Plan includes all of the coverages in the Appliances Plan and Built-In Systems Plan plus coverage for up to $500 of your homeowners insurance deductible.

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.

3. Amazon Home Warranty

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:

• Appliances Plan ($479 per year): The Appliances Plan includes coverage for eight appliances, ranging from your freezer to your dishwasher.
• Systems Plan ($479 per year): The Systems Plan includes coverage for eight home systems, ranging from your plumbing system to your jetted bathtub.
• Combo Plan ($579 per year): The Combo Plan includes all of the coverages found in both of the previous plans plus a few more.

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.

4. America’s First Choice Home Club

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:

• System Plan ($43.18 per month): The System Plan covers six home systems, including your water heater and cooling system.
• Silver Plan ($43.18 per month): The Silver Plan covers nine home appliances, including your garbage disposal and washer-dryer unit.
• Gold Plan ($52.27 per month): The Gold Plan includes all 15 of the coverages you’ll find in the previous plans for one lower price.
• Platinum Plan ($59.09 per month): The Platinum Plan includes coverage for everything in the Gold Plan plus a few more items.

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.

5. American Home Shield 

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:

• Appliances Plan ($49.99 per month): The Appliances Plan covers 10 home appliances, ranging from your refrigerator to your cooktop.
• Systems Plan ($49.99 per month): The Systems Plan covers 12 of your home systems, ranging from your plumbing system to rekeying services.
• Combo Plan ($59.99 per month): The Combo Plan covers everything in the previous two plans.

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.

New York home warranty buying guide

In addition to coverage and monthly cost, you’ll also want to consider the following factors before purchasing a policy:

• Service fee: The premium isn’t the only expense associated with a home warranty. You’ll also have to pay a service fee to the technicians that conduct any repairs. This should also be factored into how much room you have in your budget for home warranty protection.
• Location: Not every provider will offer coverage to all parts of the state. For example, many home warranty companies exclude coverage for New York City. Be sure to get a custom quote before you choose a plan to ensure that coverage is available where you live.
• Age limits: Some policies limit coverage for older systems and appliances. If you live in an older home, look for a warranty that doesn’t impose these limitations. 

Our conclusion

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. 

Frequently asked questions about New York home warranties

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.