Best Home Warranty Companies in New York (2022)

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. Choosing the best home warranty company will ensure that you get the best protection for the most competitive price.

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
• and much more . . .

Top 5 Best Home Warranty Companies in New York

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. The Home Service Club (Quickest Service)
4. Liberty Home Guard (Most Trustworthy)
5. Cinch Home Services (Best Workmanship) 

Compare the Best Home Warranty Companies in New York

1. Choice Home Warranty 

Choice Home Warranty is the best overall home warranty in 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 it offers comprehensive policies and coverage choices for your home. Choice Home Warranty has a BBB rating of B, and it is excellent at sorting out any type of customer service or logistics issues. 

Plans, Cost & Coverage

Choice Home Warranty has two plan options for New York homeowners. These include the Basic Plan and the Total Plan. The thing that sets the Choice Home Warranty plans apart from the competition is that they have both system and appliance coverage. The Basic Plan from Choice Home Warranty has 13 items, while the Total Plan has 17 covered entities. Coverage caps from Choice Home Warranty are some of the highest on the market. Homeowners can expect up to $3,000 coverage caps on most major systems and appliances. The service fee is $85. 

Here’s a detailed look at Choice Home Warranty’s coverage: 

• Basic Plan ($42 per month): The Basic Plan covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. This policy is an excellent option for first-time homebuyers in New York. 
• Total Plan ($53.33 per month): The Total plan covers all 13 items in the Basic Plan with an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. With New York summers getting as hot as they are, air conditioner coverage is a great option to add to the plan. 
• Add On Options: There are nine Choice Home Warranty add-on options to add to any home warranty plan options. These options include roof leak coverage, central vacuum, septic tank, well pump, pool and spa, sump pump, and stand-alone freezer.

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 unique and appeal to a wide range of budgets and incomes. Having the ability to customize your home warranty plan to cover as much of your home as you want is a tremendous benefit. American Home Shield has been in business for more than 50 years. It is continually recognized as the most premium provider of home warranty coverage for New York homes.

Plans, Cost & Coverage

American Home Shield has three plan options for New York residents. These plans are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS coverage is known to be some of the best on the market, with coverage caps around $2,500 for most of the systems and appliances on the plan. The service fees from American Home Shield are customizable, allowing a homeowner to find the perfect fit for their budget. The service fees range in price from $75 to $125. Our price chart below uses a $100 service fee to demonstrate the pricing for New York homeowners per month and year. 

Here’s a detailed look at American Home Shield’s coverage: 

• ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, doorbells, garage door opener, heating system, plumbing, and ductwork. 
• ShieldGold™ ($49.99 per month): ShieldGold is the tier-two combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. ShieldGold has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator. The combination of both system and appliance coverage makes this a popular choice. 
• ShieldPlatinum™ ($64.99  per month): ShieldPlatinum includes 27 systems and appliances. There are other additional benefits that homeowners can get with ShieldPlatinum. The policy allows for a credit towards your homeowner’s deductible as well as higher coverage caps. 
• Add-On Options: There are several additional coverages offered by AHS, including the septic system, pool, spa, PC, TV, and well pump coverage. Remember that all home warranty plans from American Home Shield are customizable. 

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

For more information, read our American Home Shield Warranty Review.

3. The Home Service Club

The Home Service Club offers the quickest coverage of all home warranties in New York. It is generally accepted across the home warranty industry that the waiting period for home warranty coverage to begin is 30 days. However, with The Home Service Club, coverage will start ten days after paying your policy premium. With over 13 years of experience in the home warranty industry, The Home Service Club has a strong reputation and great customer service. In addition, the policies are comprehensive and have a large number of covered items. 

Plans, Cost & Coverage

The Home Service Club has two plan options for New York residents. These plans are Standard Coverage and Comprehensive Coverage. The Standard Coverage Plan has 18 covered items, and Comprehensive Coverage has 33. Annual limits from The Home Service Club are between $500 and $2,000 for most covered systems and appliances. The service fee is customizable, similar to American Home Shield. Service fees will range from $75 to $125. 

Here’s a detailed look at The Home Service Club’s coverage: 

• Standard Coverage ($50 per month): With the Standard Coverage Plan, there are 18 covered items, including air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more. 
• Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club has 33 covered items. The 33 items include the 18 on the Standard Coverage Plan and 15 more. Some of these extra coverages include gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. New York homeowners find the ductwork and air conditioning coverages extremely beneficial.
• Add-On Options: HSC offers 12 additional coverages that can be added to either of the plans. The add-ons include a well pump, service line, plumbing, sprinkler, spa and spa heater, free-standing freezer, water softener, and more. Add-on coverage starts at around $5.00 per month and increases from there. 

To get a free quote from The Home Service Club, fill out this online form.

For more information, read our The Home Service Club Review. 

4. 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 home warranty provider choice just three years ago. Although Liberty Home Guard has spent only three years in the market, it has managed to get an A BBB rating. For a home warranty company to get this kind of accreditation in a short period of time, it has to be doing something right! If you want a modern company that knows how to handle customer service, Liberty is a great choice. 

Plans, Cost & Coverage

There are three Liberty Home Guard plans for homeowners to choose from. These include Appliance Guard, Systems Guard, and Total Home Guard. With the Appliance Guard plan, you can keep your budget in check but have your laundry room and kitchen appliances well covered. The coverage caps from Liberty Home Guard are around $1,500, which is about average among home warranty providers. However, the service call fee is $75; this is below average and will save you money on the total costs associated with these plans. 

Here’s a detailed look at Liberty Home Guard’s coverage: 

• Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker. 
• Systems Guard ($69.99 per month): The Systems Guard plan has a total of nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater. Systems are slightly more expensive to fix, which is why this plan is more than the Appliance Guard plan. 
• Total Home Guard ($74.99 per month): Total Home Guard has 20 covered systems and appliances. Combining both systems and appliance coverage makes this one of the top home warranty plan choices for New York homeowners. 
• Optional add-ons: Some additional coverages from LHG include gutter and floor cleaning, re-key service, lawn sprinklers, pest control, and a wine refrigerator. These coverages start around $4 per month and increase to more than $30 per month for each coverage. New York homes with unique features and systems will enjoy the add-on coverage options from LHG.

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

Read our Liberty Home Guard review for more information.

5. Cinch Home Services 

Cinch Home Services 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. Cinch Home Services’ customer service team is professional and thorough in all of their completed work.

Plans, Pricing & Coverage

Cinch Home Services has three home warranty plans for New York homeowners to choose from. The Appliances Plan, Built-in Systems Plan, and the Complete Home Plan offer a wide range of coverage that will work for any budget. Coverage caps from Cinch Home Services vary from one covered item to another. However, the coverage caps are all above the industry average. The Cinch Home Service home warranty plan has a customizable service fee of $100 to $150. The Cinch Home Services service fees are slightly higher than other companies, allowing for a much longer workmanship guarantee. 

Here are more details on Cinch Home Services plan options:

• Appliances Plan ($44.99 per month): The Appliance Plan covers 11 appliances in your home. These include microwave, cooktop exhaust fan, trash compactor, clothes dryer, food center, refrigerator, free-standing ice maker, oven, refrigerator ice-maker, dishwasher, and clothes washer. 
• Built-In Systems Plan ($51.99 per month): The Built-In Systems Plan is systems-only. Systems included are air conditioner, ductwork, water dispenser, smoke alarms, sump pump, septic tank pumping, bath exhaust fans, cooktop fans, garbage disposal, doorbells, toilet, electrical system, heating system, water heater, plumbing, and plumbing stoppages, garage door opener, spa, central vacuum, attic fans, and whole house fan. 
• Complete Home Plan ($61.99 per month):  The Complete Home Plan combines both the Appliances Plan and the Built-In Systems Plan to cover a total of 32 items for New York homeowners. Homeowners that purchase this Complete Home Plan have peace of mind about their entire home. 
• Optional add-ons: Cinch offers three add-ons that can be included with any plan: pool, septic systems, and well pump. Cinch also offers its Premier Upgrade Package, which includes $1,000 for unforeseen costs that may occur during a claim. Customers can add this Premier Upgrade to all three Cinch Home Services plans. 

Cinch Home Services will give you a free quote after filling out this form or calling 833-743-1056.

For more information, read our Cinch Home Services review.

Home Warranties in Cities in New York State

Find the best home warranty company in New York’s cities.

How to Find the Best Home Warranty in New York

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 the overall pricing, add-on coverage, and policy limits of each home warranty you’re interested i. 

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 $3,000 per appliance or system. 

What is a Home Warranty and How Does it work?

A home warranty is a money savings plan that will protect your budget and your savings account from unforeseen expenses related to home system and home appliance repair. The next time your dishwasher or plumbing system experience an issue, your home warranty plan will directly lower your out-of-pocket costs. The home warranty will cover normal wear on all systems and appliances in your New York home. Most of the time, coverage for a home warranty plan will start about thirty days after the home warranty policy goes into effect. 

Using a home warranty policy is not complicated. The next time you experience an issue, simply submit a claim with your home warranty service provider via their online system or by calling in. Once you have submitted the claim, it will be assigned to a local contractor or repair person. The claim is usually dealt with in a 24 to 48 hour period, and the only cost to the homeowner should be the service fee. For expensive repairs or high-end appliances, you will want to ensure you choose a policy with a higher coverage cap. 

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. 

How Much Does a Home Warranty Cost? 

A home warranty plan costs between $45 and $65 a month. The average annual costs will be from $480 to $780 a year. The monthly fees, service fees, and coverage caps will help homeowners determine the total out-of-pocket costs with a home warranty plan in place. Service fees are part of every home warranty policy and must be paid before a repair is completed. Service fees will range in price from $60 to $150, with the average being around $85. The coverage caps are the maximum amount that a home warranty policy will payout for a home system or appliance repair. The annual limits are typically between $500 and $3,000. Higher coverage caps can lower out-of-pocket expenses on your home warranty plan, especially for those with high-end systems and appliances. 

What Does a New York Home Warranty Cover?

A home warranty plan will cover systems and appliances experiencing issues because of normal wear. Home warranty plans typically have three categories of coverage, including appliances, systems, and add-on coverages. The appliances included in a home warranty plan include a microwave, garbage disposal, dryer, washer, dishwasher, refrigerator, and more. Systems will be plumbing systems, air conditioners, heating, water heater, electrical systems, and sometimes even a septic system. The add-on coverages are things that not all homes will need coverage on. These include lawn sprinklers, pest control, sewer line, locksmith, and more. 

It is essential for New York homeowners to understand that a New York home warranty covers not all repairs. If you experience issues due to lack of maintenance, intentional breakage, or pre-existing conditions, the home warranty will not cover the issue. In addition, anything related to a natural disaster is covered by a homeowners insurance plan instead of the home warranty plan. 

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 do 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.