Unlike homeowners insurance, which protects you from catastrophic events, home warranties cover everyday wear and tear. When a covered item wears out from normal use, a home warranty provider will send a contractor to repair the item or even replace it for the cost of a service fee.

Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

Homeowners in New York have many options, so we’re here to identify the top home warranty companies at your disposal. We’ve laid out each provider’s plans and pricing structures along with the overall pros and cons. Because the cost of living within the Empire State can vary by zip code, we’ll present quotes from homes with similar square footage in both Brooklyn and Buffalo. Armed with all this information, we’re confident you can find a home warranty in New York to fit your needs and budget.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.


Our Top Picks For New York Home Warranties

Here are our top picks for the best home warranty companies in New YorK:

Liberty Home Guard: Best For Customization

Compare the Best Home Warranty Companies in New York

The table below outlines data for the best home warranty companies in New York and beyond. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS Logo

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

$44.99-$58.99

$70

48 hours

A+

VISIT SITE
choice home warranty logo

$46–$55

$85

24-48 hrs.

B

VISIT SITE
select home warranty logo

$52–$58

$60

24-48 hrs.

B

VISIT SITE
AFC Home Warranty logo

$38–$62

$75–$125

48 hours

B

VISIT SITE
first american logo

$38–$48

$75–$125

48 hours

B

VISIT SITE

$17–$60+

$65–$100

2–24 hrs

A-

VISIT SITE

$28–$68

$100–$150

2–24 hrs

B

VISIT SITE

*Quote and cost data gathered August 2023. Cost data are updated and monitored continuously.


How to Choose the Best Home Warranty in New York

Selecting a home warranty for your New York home can be a daunting task, given there are hundreds of plans and providers to choose from. Here are the most critical items you need to consider while deciding on the best plan for your home. 

Home warranties come in all shapes, sizes, and costs. Even if you have a tight budget, there is a strong chance that you can find one that covers the essentials without emptying your wallet. 

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.

Since New York experiences scorching summers and frigid winters, homes in this state often have more issues with their heating and cooling systems. This is because they have to run more often and in extreme conditions, leading to more wear and tear. So, having a home warranty that covers your HVAC to quickly fix its expensive breakdowns is a great idea. 

Of course, you need to weigh HVAC coverage against your budget and make sure you have all the appliances and home systems covered that you need. Some home warranty providers include coverage for HVAC systems, while others you have to select as an add-on.

Nearly all home warranty companies offer additional coverage riders for homeowners looking to expand their coverage beyond what’s included in the base plan. Select a home warranty provider with at least six elective coverage add-on options.

The higher the annual coverage limit, the less you’ll have to pay when an appliance or system breaks down in your home. It’s a good idea to prioritize plans with annual coverage maximums of at least $3,000 per item, if possible.

BBB Ratings can help you determine if a home warranty company is worth its salt, as long as the company has been in business for a while. A to A+ ratings are considered great ratings, and customer reviews will show insights as well. 

Across the providers featured on our site, the average service fee is $76.55. Some companies, however, charge as low as $60 per service visit. Keep in mind that, if you anticipate filing multiple claims per year, service fees can add up quickly.


How Much Does a Home Warranty in New York Cost?

According to our nationwide study on the average cost of home warranties in each state, a home warranty in New York costs around $800 per year or $66 per month. Based on the $601 annual coverage cost across the providers featured on our site, a home warranty in New York is slightly more expensive than surrounding northeastern states. Still, the amount you’ll pay to cover your individual home will depend on the size of your property, the coverage level you select, and whether or not you opt for any additional plan riders.

Alongside your primary premium, you’ll also need to factor in a service fee each time you file a claim for a new issue. Service fees can range anywhere from $60 to $150 per appointment.  Based on our market research, we found that the industry average service fee sits at around $76.55.

Understanding annual coverage limits is another great way to maximize the payout of your policy. A coverage cap is the maximum amount that a home warranty provider will pay for a specific home system or appliance fix. Given that the average annual coverage limit is approximately $3,072 per item, we recommend sticking with companies that offer at least $3,000 for essential items in your home. Add-ons tend to be capped at around $500 per year. Larger coverage caps simply lower the likelihood of any out-of-pocket charges for appliance or system repairs, especially for those with higher-end items around the home.

The table below provides some average plan pricing based on your home type in New York.

Overall$794.79
Single Family$698.15
Multi Family$1,162.03
Townhome$583.17
Condo$693.66
Duplex$1,015.63
Home Over 5,000 sq ft$1,232.50
Home Under 5,000 sq ft$800.43

Home Warranty Cost Calculator

Our home warranty cost calculator helps New York homeowners determine the annual cost of a home warranty policy. Just input your monthly premium, estimated number of service visits, and service call fee, and the tool with provide your annual home warranty cost.

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

How Are Home Warranties Regulated in New York?

The state’s Department of Financial Services (DFS) regulates home warranty companies and contracts in New York. New York classifies home warranties as insurance, which differs from most states. Part of DFS’ oversight is making sure the home warranty company is financially healthy. As such, each home warranty provider must provide an annual financial report to the NY DFS to show their financial standing. 

If you have a contractual dispute with your home warranty provider, you can fill out the DFS complaint form to formally file your disagreement.

Along with DFS oversight, several industry associations in New York regulate home warranties. The most critical is the Service Contract Industry Council (SCIC) and its goal is centered on consumer protection. This council creates regulations in partnership with state lawmakers.

Resources for New York Homeowners and Home Buyers

  • Consumer Finance Protection Bureau: New York homeowners have a lot of decisions to make when it comes to purchasing a home. For a safe and reliable resource for financial issues related to homeownership, including interest rates, mortgage fees, and the best ways to finance a deal, the Consumer Finance Protection Bureau can help. 
  • FHA Down Payment Assistance Grants:  A down payment can help make homeownership goals possible. The FHA Down Payment Assistance Grants will help those who are very close to being able to make the dream of homeownership a reality. 
  • New York Help For Homeowners: The New York Help For Homeowners is a resource that can help with scams and issues that homeowners could face. Although all of the companies on our list of the best home warranties in New York are reputable, there are others out there that are not. New York Help for Homeowners Can Help. 
  • New York City Homeowner Resources: Many homeowners live in the largest city in the world, and the information here can help homeowners who live in the city. Homeownership in New York City is slightly different from in the suburbs, and this website can guide anyone in New York City. 
  • Center For NYC Neighborhoods: The Center For New York City Neighborhoods helps homeowners with foreclosure issues, mortgage questions, and post-homeownership issues. The Center For NYC Neighborhoods should be used as a resource all throughout homeownership. 

Our Reviews of the Best Home Warranty Companies in New York

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage

It takes a lot to gain the trust of thousands of New Yorkers in just five short years on the market. Excellent ratings from the Better Business Bureau (BBB), a long track record of positive customer testimonials, and a strong commitment to customer service propelled Liberty Home Guard (LHG) into our top five home warranty companies in New York. It’s also an excellent option for homeowners who want unmatched coverage for a wide variety of household items.

Today’s Homeowner gave Liberty Home Guard  4.6 out of 5 stars and named it the most trustworthy home warranty company in New York. Liberty Home Guard has quickly managed to garner an A- rating from the Better Business Bureau (BBB) and overall positive marks from customers. According to a recent Today’s Homeowner survey, 96 out of 736 participating homeowners marked trust and transparency as the most important quality of a home warranty company.

Liberty Home Guard is a great option for New Yorkers looking to take standard coverage and transform it for their needs through coverage add-ons. Offering one of the longest lists of plan riders in the industry, LHG boasts 41+ extra items options with one-of-a-kind services like re-keying, pest control, window-washing, electronics protection, and more.

  • Average Annual Cost: $700 – $799.99
  • Response Time: Within 24 hours
One of the only leading providers with an A- rating from the Better Business Bureau
List of 41+ elective coverage riders — the longest in the industry
All repairs and replacements are backed by a 60-day workmanship guarantee
Add-on options can get expensive quickly

Homeowners in New York can choose one of three plans offered by Liberty Home Guard. Appliance Guard and Systems Guard are appliance-only and systems-only value plans that are available for customers with minimal coverage needs. Total Home Guard, however, is LHG’s comprehensive two-for-one option for homeowners in search of whole-house protection. And the base plans are just the beginning! Homeowners can also choose from an extensive list of 41+ add-on plan options, with unique extras like coverage for pro-series appliances and window washing. Liberty Home Guard’s coverage limits are fair, with most falling around the $2,000 mark. Its required service fee is $75, slightly below the industry average.

Liberty Home Guard has one of the most extensive lists of add-ons offered across all home warranty providers, with items including:

  • Carpet cleaning  — $19.99 per month
  • Central vacuum  — $8.99 per month
  • Electronic protection  — $19.99 per month
  • Grinder pumps  — $14.99 per month
  • Guest unit coverage (up to 750 square feet)  — $35.99 per month
  • Gutter cleaning  — $14.99 per month
  • Instant hot water dispensers  — $9.99 per month
  • Light fixtures  — $7.99 per month
  • Limited roof leak coverage (only applies to patching over occupied areas of single-family homes)  — $11.99
  • Pest control  — $14.99 per month
  • Plumbing fixtures  — $7.99 per month
  • Pools and spas (includes chlorine and saltwater set-ups)  — $19.99 per month
  • Power washing for exterior flooring (includes driveways, walkways, decks, patios, etc.)  — $19.99 per month
  • Pro-series kitchen and laundry appliances (exclusively for professional-grade appliances with luxury features)  — $11.99 per month
  • Re-keying (cover re-keys for two lock cylinders per contract term)  — $9.99 per month
  • Reverse osmosis filter systems  — $14.99 per month
  • Septic system pumping  — $12.99 per month
  • Sewage ejector pumps  — $14.99
  • Sprinkler systems  — $9.99 per month
  • Standalone freezers  — $5.99 per month
  • Built-in ice-makers  — $3.99 per month
  • Second refrigerators — $7.99 per month
  • Wine coolers  — $11.99 per month
  • Sump pumps  — $8.99 per month
  • TV mounting (for up to 65-inch or 85-inch TVs)  — $19.99 per month
  • Water softener  — $13.99 per month
  • Well pumps  — $12.99 per month
  • Window washing (does not include interior cleaning)  — $19.99 per month
Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

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, and that is where American Home Shield stands out from the competition.

American Home Shield (AHS) earned 4.7 out 5 stars based on our rating system. We recognized this provider for having the best customizable plans in the industry. American Home Shield grants customers the opportunity to build a made-to-order home protection plan through its three base plans and adjustable service fee. According to our recent survey, 21% of participating homeowners marked the ability to personalize their plan as one of the most important features of a home warranty.

Established in 1971, AHS  is one of the longest-standing home warranty companies to date. For over five decades, American Home Shield has geared its service mission toward helping homeowners create unique levels of protection that cater to their individual needs. Unlike many of its competitors, AHS’s coverage includes damage caused by unknown pre-existing conditions, poor routine maintenance, and improper installations.

  • Average Annual Cost: $527.88 – $711.88
  • Response Time: Up to 48 hours
Costs an average of $43 per month, which is $8 cheaper than the industry average
Customers can choose between a $75, $100, and $125 service fee
ShieldGold policyholders around covered by a generous $6,000 annual coverage limit per-item
Charges a $50 fee for any contract cancellations after the first 30 days of coverage

American Home Shield has three standard plan options available to New York homeowners. Any of these plans can be purchased as-is or further customized to better fit your coverage and budget goals. AHS also allows policyholders to choose a service fee of $75, $100, or $125. The higher your service fee, the lower your monthly or annual premium will be, and vice versa. The monthly premiums listed below are based on the $100 service fee.

  • ShieldSilver ($34.27 per month): ShieldSilver covers 14 home systems, including air conditioning, electrical systems, smoke alarms, water heaters, doorbells, garage door openers, heating systems, plumbing, ductwork, and more. Repairs for most of these systems are capped at $2,500 per item.
  • ShieldGold ($44.27 per month): The ShieldGold plan covers 23 home systems and appliances, including those offered in ShieldSilver plus clothes washers, clothes dryers, dishwashers, built-in microwaves, ovens, and refrigerators.
  • ShieldPlatinum ($64.27  per month): ShieldPlatinum includes a total of 27 systems and appliances and is one of the most premium home warranty policies in New York. Coverage caps for this plan level are more than double the previous plans, with a per-item limit of $6,000. ShieldPlatinum policyholders will also get unlimited A/C refrigerant, one free HVAC system tune-up per year, and coverage for code and permit violations.

You can also add the following coverage riders to your AHS home warranty:

  • Pools and spas — $24 per month
  • Electronics protection plan — $14 per month
  • Guest unit — $15.99 per month
  • Roof leak protection — $10 per month
  • Well pumps — $8 per month
  • Septic pumps — $5 per month

Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!

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 more than 14 years, and it offers comprehensive policies and coverage choices for your home. More than 50% of our home warranty survey respondents marked coverage as the most important detail to them when choosing a home warranty, and Choice offers some of the highest coverage caps in the industry.

Why We Chose CHW

We rated Choice Home Warranty (CHW)  4.9 out of 5 stars, making it the best overall home warranty in New York. CHW earned first place in our round-up specifically for its emergency service options, generous $3,000 per-item annual coverage caps, and new joiner discounts.

Founded in 2008, Choice Home Warranty has covered over 1.6 million homes nationwide. As one of the most popular providers in New York, Choice stands out for its two base plans that both offer combined coverage for appliances and systems. When scoring Choice, we did deduct one point for the lack of air conditioning coverage in the Basic Plan. Only the more comprehensive Total Plan comes with A/C coverage.

  • Average Annual Cost: $504-$639.96
  • Response Time: Up to 48 hours
Internal network of over 25,000 bonded and insured technicians
New joiners can save $50 and one month of free coverage when they opt to pay annually
All repairs and replacements are guaranteed for 6o days, or you’ll receive free reservicing
Covers up to $3,000 in maintenance per year for each item included in your plan level
Charges a $50 cancellation fee
Plans are not customizable

Though CHW’s coverage only spans two base plans — Basic and Total — both offer combined protection for your home’s essential appliances and systems. The nonadjustable service fee associated with either of Choice’s plans is $85.

  • Basic Plan ($45 per month): The Basic Plan covers 14 items, including plumbing systems, plumbing stoppages, ceiling fans, garbage disposals, heating systems, cooktop exhaust fans, built-in microwaves, dishwashers, ductwork, electrical systems, garage door openers, ovens, toilets, and hot water heaters. This is a good plan option, but it excludes one feature that many New Yorkers enjoy: air conditioning.
  • Total Plan ($53.33 per month): This comprehensive plan covers all 14 items in the Basic Plan plus air conditioning systems, refrigerators, clothes washers, and clothes dryers. New York residents with an A/C unit will want to ensure that they opt for this coverage level, as air conditioning unit repairs can easily creep into the thousands to fix.

Choice Home Warranty has nine additional coverage riders for customers to choose from, including:

  • Pool and spa (for in-ground set-ups only) — $15 per month or $180 per year
  • Roof leak repairs (for single-family homes only) — $5.83 per month or $70 per year
  • Central vacuum — $3.33 per month or $40 per year
  • Septic systems — $10 per month or $120 per year
  • Septic tank pumping — $5.42 per month or $65 per year
  • Sprinkler systems — $8.33 per month or $100 per year
  • Standalone freezers — $3.33 per month or $40 per year
  • Second refrigerators — $3.33 per month or $40 per year
  • Sump pumps — $3.33 per month or $40 per year
  • Well pumps — $8.33 per month or $100 per year
Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

Select Home Warranty offers premiums and service fees that are well below the industry standard and makes an active effort to ensure its policyholders only pay for what they need by offering appliance-only and systems-only plans. Select also provides free roof leak coverage in its plans rather than making policyholders pay for it as an add-on option, a welcome perk for homeowners in a state with above-average rainfall and periods of severe weather.

We gave Select Home Warranty (SHW) 4.8 out of 5 stars and chose it as the most cost-effective home warranty option in New York. For over a decade, SHW has offered comprehensive home protection plans, topped with an exclusive rotation of discounts for new joiners. New York homeowners who enroll with Select will receive an additional $150 off their premium plus two bonus months of free coverage and complimentary roof protection.

Based in the neighboring state of New Jersey, Select Home Warranty has been helping homeowners save big since 2012. Offering robust coverage alongside a $60 service fee — one of the lowest deductibles on the market — Select is a great option for homeowners on a tight budget. It’s worth noting that Select does, however, have slightly lower annual coverage limits than some of its competitors. Make note of any older systems or appliances around your home that are likely to fail in the near future, and how their potential cost aligns with Select’s maximums.

  • Average Annual Cost: $624-$684
  • Response Time: Up to 48 hours
Free roof leak protection no matter the plan level you purchase
Offers multi-year protection plans for homeowners ready to make a longer-term commitment
All repairs and replacements are guaranteed for 90 days after the initial service appointment
Lighting and plumbing fixtures aren’t covered

Select Home Warranty has three plans for its customers to choose from. The Bronze Care option is an appliance plan, whereas the Gold Care level is a systems-only plan. The Platinum Care plan — SHW’s most comprehensive protection level — is a combo policy with the best overall coverage for New York homeowners. Coverage caps from Select Home Warranty are slightly lower than average —  in the $200 to $500 range — which is how it’s able to offer such low monthly prices. The service fee for all three plans is also one of the lowest you’ll find industry-wide at $60 per appointment.

  • Bronze Care ($58 per month): The Bronze Care plan covers eight major appliances, including refrigerators, built-in microwaves, clothes washers and dryers, ovens, stoves, garbage disposals, and cooktops. We recommend this plan level for first-time homeowners who aren’t fully clear on their coverage needs but still want minimal protection in the meantime.
  • Gold Care ($57.67 per month): The Gold Care plan covers six major home systems, including plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Again, as a systems-only plan, this level doesn’t include items mentioned in the Bronze Care plan.
  • Platinum Care ($62.08 per month): The Platinum Care plan is the most comprehensive option offered by Select Home Warranty. With this plan, New York homeowners will have both system and appliance coverage for just a couple of bucks more per month than the Bronze Care or Gold Care plan.

New Yorkers can add the following optional coverages to their Select Home Warranty base plan:

  • Sump pumps — $3.33 per month
  • Well pumps — $3.33 per month
  • Standalone freezers — $3.33 per month
  • Second refrigerators — $3.33 per month
  • In-ground pools — $8.33 per month
  • In-ground spas — $5.83 per month
  • Septic systems — $5.83 per month
  • Lawn sprinkler systems — $5.83 per month
  • Central vacuum — $3.33 per month
  • Roof leak repairs — $0 per month
    • Automatically included but must be selected as an add-on at checkout
Best for Preventative Maintenance

Cinch Home Services

4.1

Our Rating

Limited Time:
2 Months Free On All Plans

Cinch Home Services stands by its workmanship. Boasting one of the strongest guarantees in the business, it gives New York homeowners added peace of mind. An added benefit of Cinch home warranties is that every plan provides coverage for unknown pre-existing conditions as well as rust and corrosion.

We gave Cinch Home Services a rating of 4.4 out of 5 stars, namely for having the best workmanship guarantee in the industry. Covering home repairs with a 180-day workmanship warranty, New York homeowners won’t need to worry about paying additional service fees for any potential repeat breakdowns. Given that the average workmanship warranty is around 60 days across the home warranty industry, Cinch goes above and beyond to back the quality of its contractors’ craftsmanship.

  • Average Annual Cost: $636
  • Response Time: Within 48 hours
Offers a 180-day workmanship warranty for all repairs and replacements — six times longer than the typical 30-day guarantee
Comes with a $150 home insurance deductible
Policyholders have exclusive access to new appliance discounts
No roof leak protection available, not even as an optional add-on

Cinch offers three plans tailored to your needs and budgets. Homeowners can opt for an appliance-only plan, a systems-only plan, or a combination of the two for more comprehensive  coverage.

  • Appliance Plan ($44.99 per month): Includes coverage for 12 essential home appliances such as clothes dryers, clothes washers, cooktops, dishwashers, built-in food centers, built-in microwaves, and more.
  • Built-in Systems Plan ($51.99 per month): Includes coverage for 16 major home systems including air conditioning, attic fans, ceiling fans, central vacuum, doorbells, electrical, heating, and more.
  • Complete Home Plan ($61.99 per month): Combines all inclusions in the Appliance and Built-in Systems Plans, and throws in a home insurance deductible reimbursement of $500.

If you’re looking to go beyond what’s included in Cinch’s standard coverage, policyholders can also purchase:

  • Pool (includes heater) — $22 per month
  • Spa (includes heater) — $22 per month
  • Septic tank and related pumping — $4.58 per month
  • Well pump — $12.50 per month
  • Premier Upgrade Package (coverage for permits and code upgrades) — $12.50 per month

More New York Resources


What is a Home Warranty?

A New York home warranty is an annual service contract that will protect your finances from unforeseen expenses related to home system and home appliance repairs. The next time your dishwasher stalls or you discover a blockage in your plumbing system, your home warranty provider will step in to directly lower your out-of-pocket costs in exchange for a pre-paid premium. Home warranties exclusively cover normal wear on most built-in systems and appliances throughout your New York home. Most of the time, coverage for a home warranty plan will start about 30 days after sign-up.

home warranty plan will cover systems and appliances experiencing issues because of normal wear. Home warranty plans typically have three categories of coverage, including appliance plans, systems plans, and add-on coverages.

Here’s a general overview of what a standard home warranty in New York typically includes:

   Appliances   Systems   Add-ons
Refrigerators
Ovens/Stoves/Cooktops
Built-in Microwaves
Dishwashers
Clothes Washers
Clothes Dryers
Air conditioning
Heating
Ductwork
Electrical
Plumbing
Hot Water Heaters
Septic Tank Pumping
Limited Roof Leaks
Pools and Spas
Septic Systems
Well Pumps
Sump Pumps
Standalone Freezers
Second Refrigerators

Be sure to check your service contract for specifics on coverage, as each one varies. For example, one company might offer pool coverage but doesn’t include issues with jets or motors. Another company might include those items but for an additional fee. It’s important to choose your plan carefully and understand the limitations so that you’re not hit with unexpected charges if your warranty doesn’t cover something that gets damaged.

It’s essential for New York homeowners to understand that a home warranty, no matter where you live, won’t cover everything. Some common exclusions include damage related to:

  • Known preexisting conditions
  • Poor routine maintenance or neglect
  • Improper installation or mismatched components
  • Intentional misuse of an item
  • Cosmetic damages (scratches, dings, dents, etc.)
  • Natural disasters or any coverage overlaps with home insurance 
  • Pests, invasive wildlife, vermin, or household pets

How Does a Home Warranty in New York Work?

Securing a home warranty is a breeze. You need to choose the service provider you want, select the plan that best fits your needs and budget, and pay for the plan. You can also choose add-on services if the base plan doesn’t have exactly what you’re looking for.

Using a home warranty policy is also not complicated. You can follow the steps below to request service:

  1. Identify an issue in your home that is covered by your home warranty
  2. Submit a claim with your home warranty service provider via their online system or by calling in
  3. Once you have submitted the claim, it will be assigned to a local contractor or repair person
  4. 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.
Today’s Homeowner Tips
Remember: for expensive repairs or high-end appliances, you will want to ensure you choose a policy with a higher coverage cap to keep your out-of-pocket costs down once the repair begins.


Home Warranty vs. Homeowners Insurance

Home warranties and home insurance policies are often compared because they provide financial assistance when things go wrong in or around your home. However, there are some key differences between these two home protection plans that you should understand.

First, home insurance policies typically only kick in if you experience a catastrophe, like damage from a fallen tree, a severe weather event, a fire, or some other natural disaster. In contrast, a home warranty provides coverage in less severe instances, like when your appliances break down from constant use or you experience a routine issue with your plumbing, electrical, HVAC, or heating systems.

Second, home warranties and homeowners insurance cover different things. Homeowners insurance is a whole-house policy that provides a single payout for major damage done to your home. A home warranty instead provides protection for individual appliances and home systems, so the coverage kicks in when a routine repair, maintenance, or replacement is needed.

Finally, the out-of-pocket costs you’ll experience will differ between home warranties and homeowners insurance policies. Home insurance typically includes a sizable deductible that reaches into the thousands of dollars. Once the deductible is paid, the insurance covers costs up to a very high limit. A home warranty instead requires a small service fee that averages around $85 per service call. The warranty will then cover up to its coverage caps, which can be as low as $1,500 on average or unlimited in some instances.


Biggest Complaints about Home Warranty Companies in New York

Most homeowners are pleased with the coverage and services they receive from their home warranty provider, but there are some complaints that pop up more often than others in New York.

One of the most common complaints about home warranties is that they fail to cover some items that homeowners expect them to include. For example, pool coverage as an add-on service typically isn’t all-inclusive. It’s common for damages to jets and liners not to be covered, so make sure you understand coverage limitations before you commit to a home warranty.

Another common complaint is that the out-of-pocket costs were higher for repairs than expected. Most home warranties come with coverage caps per item and per year. If your coverage ever exceeds those maximums, you’ll be on the hook for the difference. The most common coverage that falls short is the full replacement of major kitchen appliances, like refrigerators.

It’s crucial for homeowners to be vigilant and cautious when selecting a home warranty provider. While many reputable companies offer valuable coverage, there are bad home warranty companies out there. These less trustworthy providers may have hidden fees, deny valid claims, or offer subpar service. To protect your investment and peace of mind, it’s essential to thoroughly research and read reviews, check their ratings, and seek recommendations from trusted sources. By watching out for unreliable home warranty providers, you can ensure that your chosen provider delivers on its promises and provides the coverage and service you need.


So, What is the Best Home Warranty for Your New York Home?

A New York home warranty is worth it if you don’t have the first-hand expertise to fix a home appliance or system on your own when it breaks down. It can also help you avoid having to fork over four figures for a repair or replacement, all by paying a few hundred dollars in advance.

Brandelyn Jones, a RealtorⓇ with Realty One Group in Goodyear, Arizona, says home warranties are definitely worth it for the average homeowner, whether you live in a condo or a single-family home. “I’m of the old ‘better safe than sorry’ mindset,” Brandelyn said.  “If I have to pay, say $500 per year just for some peace of mind, then it’s worth it. These days there’s very little that you can repair in your home for much less than $500.”

Across the six providers featured in this article, Choice Home Warranty stands out as the overall best option for New York homeowners. With plans starting at $45, Choice’s premiums sit well below the industry-average monthly premium of $51.61. Choice Home Warranty also offers a modest list of optional add-ons for New Yorkers looking to level up their standard coverage.

As you compare your top contenders, it makes sense to get quotes from a few different companies to ensure that you choose a plan that’ll work for your specific coverage needs. To find the best home warranty in New York, be sure to pay close attention to comparable plan options, pricing details, service fees, customer reviews, and add-ons before signing onto a service.

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FAQs About New York Home Warranties

How much does a home warranty cost in New York?

The cost of a home warranty in New York varies. According to quotes we received while secret shopping, a monthly premium in upstate New York typically ranges from $30-$60, while the premium for a plan in New York City is likely to be $50-$75 a month. However, rates vary from company to company, so it’s best to get two to three quotes to select your best price.


What doesn’t a home warranty cover?

Typically, home service contracts only apply to breakdowns that happen due to wear and tear on a covered item. Unless otherwise stated, the following conditions usually aren’t covered:

    • Pre-existing conditions

    • Damage due to accidents or neglect

    • Improper repairs or modifications to the item

    • Manufacturer’s defects

    • Rust, corrosion and sediment

    • Mold and mildew

    • Intentional damage


Do I need a home warranty if I’m not currently buying or selling a house?

Although home warranties most often come up in real estate transactions, appliances and systems can break down and wear out at any time, even when you’re not buying or selling a house. Whether it’s a systems or appliances plan or a combo plan, a home warranty can grant you peace of mind and protect your wallet from unexpected costs.



Methodology: How We Rank Home Warranty Companies

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can score highest in this category if it offers multiple robust plans that cover all basic systems and equipment, as well as optional add-ons. We examine each company's exclusions and limitations to determine the coverage amounts for each item. Companies with coverage limits of $3,000 or more perform best in this category, and bonus points go to companies that cover unusual items such as electronics and leaky roofs.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quotes process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote.
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits.
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
avatar for Alora Bopray

Alora Bopray

Staff Writer

Alora Bopray is a digital content producer for the home warranty, HVAC, and plumbing categories at Today's Homeowner. She earned her bachelor's degree in psychology from the University of St. Scholastica and her master's degree from the University of Denver. Before becoming a writer for Today's Homeowner, Alora wrote as a freelance writer for dozens of home improvement clients and informed homeowners about the solar industry as a writer for EcoWatch. When she's not writing, Alora can be found planning her next DIY home improvement project or plotting her next novel.

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Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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