A home warranty in New York City can help lower your out-of-pocket costs by covering repairs or replacements to major home systems and appliances that malfunction due to normal wear and tear.
Although homeownership in New York City has a lot of perks, such as the convenience of city life, there are also downfalls, similar to owning a house anywhere else. One major problem many homeowners have to deal with at some point is replacing or repairing their appliances and home systems.
Finding the right home warranty plan for your New York City home can be challenging, so our team at House Method did the research for you to help you find the top home warranty in New York City. Keep reading for our home warranty recommendations and learn which plan works best for your home.
Once you're ready to get a home warranty policy, the first step is thinking about what appliances and systems you want coverage for. After that, you can compare your options and call different home warranty providers for a free quote. Before deciding which home warranty to buy, here are a few other factors to consider:
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in Washington
Choice Home Warranty offers the best overall home warranty in New York City. Choice offers very high coverage caps and simple-to-understand service contracts. Plus, it also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans that Choice offers include differing levels of system and appliance coverage, as well as add-on options.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally about $3,000 at the maximum.
For a more detailed breakdown, read our review of Choice Home Warranty. To receive a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty in New York City. With a home warranty from Select, you can enjoy a highly affordable service fee and free roof coverage upon purchase of a policy plan. Not to mention, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 home warranty plans that Select has include differing levels of system and appliance coverage, as well as add-on options.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so make sure to check with the provider. Service fees are a reasonable $60.
For a more detailed breakdown, read our Select Home Warranty Review. To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in Alaska
American Home Shield is the most customizable home warranty for New York City residents. The 3 plans that AHS offers include differing levels of system and appliance coverage, as well as add-on options. With a home warranty from AHS, you can enjoy the ability to customize your plan with the coverages that work specifically for your home. Not to mention, it has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that offer a mix of system and appliance coverage. The coverage caps associated with AHS's plans are around the $2,500 mark for most of the major systems and appliances, and service fees are customizable and range from $75 to $125.
Read our American Home Shield full review to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the Better Business Bureau (BBB)
Only 2 plan options
The Home Service Club offers the best home warranty with the quickest service for New York City residents. If you're looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC offers 2 plans for you to choose from.
The Home Service Club offers 2 plans for New York City homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps associated with HSC's plans are close to the $2,000 mark for most of the major systems and appliances, and service fees are customizable and range from $65 to $90.
To read more, visit our The Home Service Club Review. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in New York City. The home warranty provider offers 3 plans to policyholders that have various options for appliance and system coverage. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, Liberty is the perfect provider for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps from Liberty are about $3,000. The service fees are an affordable $75, which is less than other providers in the New York City area.
For a more detailed breakdown, read our Liberty Home Guard Review. To receive a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska
Cinch Home Services is the home warranty with the best workmanship guarantee in New York City. Cinch has around 43 years of experience in the industry and in that time has built a impressive network of service technicians in the country. With a home warranty from Cinch, you can benefit from a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Not to mention, it has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.
Cinch Home Services offers 3 plans for New York City homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which have a mix of system and appliance coverage. The coverage caps from Cinch are about $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is cheaper than other providers in the New York City area.
For more information, read our Cinch Home Services Review. To get a free quote from Cinch Home Services, fill out this online form or call 877-589-0505.
Many home warranties cover or have options to cover appliances and other expensive repairs, which can save you significant money over time.
Get a free quote from our #1 recommended provider in New York City
A home warranty is a protection plan that covers the cost of repairing or replacing major home systems and appliances when they malfunction over time due to normal wear and tear. Having a home warranty in place can offer you some peace of mind and prevent you from paying large out-of-pocket costs. Most home warranty plans take effect about 30 days after purchasing the home warranty plan.
When a covered appliance or system needs to be repaired, you file a claim with your home warranty company. Most companies have an online portal to help you do this. After you file the claim, it will be assigned to a local technician or repair person who will come and assess the issue. After that, you will pay the service fee. Service fees for home warranties range from $60 to $150. Most home warranties also have a coverage limit, which is the maximum cost per appliance that the home warranty company will cover for repairs and replacements.
A home warranty in New York City usually covers the main systems and appliances in your home. The appliances typically covered under a home warranty plan are the oven, washing machine, dishwasher, refrigerator, microwave, dryer, and more. System coverage typically includes plumbing, air conditioning, water heaters, electrical systems, heating systems, and more. Many plans also offer add-on coverage options like locksmith, septic systems, central vacuum, and even roof leaks.
A home warranty will only cover repairs and replacements due to normal wear and tear. If you don't take care of your home and maintain them properly, your home warranty will not cover it. Things such as misuse, lack of maintenance, cosmetic damages, and pre-existing conditions are excluded from a home warranty policy.
New York City's mild winters and hot summers can put a strain on a home's HVAC system. Whether it's summer or winter, a home warranty will cover your home's appliances and systems if they need to be repaired or replaced. For example, if your air conditioner fails in the middle of July, a home warranty can cover the necessary repairs, saving you from spending unexpected money out of pocket.
Not only can a home warranty offer some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a technician and schedule a repair. A home warranty handles the research by sending trusted professionals to your door when you need them most.
Home warranties also have some drawbacks. Though it can give you less to worry about since the home warranty sends out a repair technician who does the repair for you, some may not like this, and they may want to select a contractor themselves. If that's the case for you, some home warranty companies let you select a contractor. Another drawback is that home warranties may exclude some repairs, such as those that are needed because of natural disasters. For example, if your HVAC system is damaged from an animal infestation, the systems and appliances that were impacted probably won't be covered by the home warranty.
It can be difficult to budget for the unexpected expenses that can come with owning a home, but a home warranty can help with that. Like any other warranty or insurance policy, there will always be advantages and disadvantages of buying one but its main purpose is to provide protection and peace of mind.
A home warranty can save you several thousands of dollars on home maintenance and offer you peace of mind as a homeowner. All of these top providers have impressive experience in the industry and coverage options. Among them, Choice Home Warranty stands out as the best overall choice. It offers comprehensive coverage at an affordable cost. However, other home warranties mentioned above are also great choices for New York City residents.
The best overall home warranty company in New York City is Choice Home Warranty but the best company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty is a service contract that covers the repairs and replacements of your major home system components and appliances.
First-time home buyers, homeowners, landlords, home sellers, and real estate agents can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save homeowners money in the long run.
Usually coverage for a home warranty plan begins 30 days after the payment receipt. However, a few providers may allow you to file a claim before this, so verify with customer service to find the exact waiting period for your case.
A service fee is a cost that a homeowner must pay before a repair technician or contractor comes to your home to fix your home warranty-related issue. The pricing is typically between $60 and $150. Service fees are sometimes called deductibles, and they should be the only out-of-pocket cost that homeowners are subject to with a home warranty except for the policy's premium.
A New York City home warranty can cost anywhere from $40 to $80 a month. The higher-priced plans usually have a lower service fee, more coverage, and higher coverage limits.