4 Best Home Warranty Companies in New York (2022)

Discover the best home warranty available in New York with our list of the top four nationwide providers of residential service contracts in the state. | Photo Credit: Adobe Stock

Today’s Homeowner works with an independent reviews team to create evidence-based research that helps our readers make informed decisions. The reviews are always independent. For transparency, we may be compensated if you purchase through a link.

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.

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.

In this article:


Best Overall: American Home Shield

Quick Take

American Home Shield sits at the top spot on our list based on how comprehensive its coverage is. Its plans apply to undetectable pre-existing conditions, and you don’t need to keep maintenance records on your appliances for them to qualify for coverage. American Home Shield covers 1.8 million homeowners across the nation, and it has a sizable, trusted network of contractors to match its customers’ needs.

Pros and Cons

Covers improper modification and insufficient maintenance

Doesn’t exclude damage due to rust, corrosion or sediment

Has more than 50 years in business

Features expensive plans relative to cost of living in some areas

May not be available in all NY zip codes

Plans and Coverage

American Home Shield offers three plan options to New York homeowners:

  • ShieldSilver Plan: Covers 14 home systems like electricity and plumbing.
  • ShieldGold Plan: Covers the 14 systems above and adds on nine major appliances including refrigerators and clothes washers. 
  • ShieldPlatinum: Covers both systems and appliances, plus roof leak repairs, HVAC tune-ups, unlimited A/C refrigerant and code violations.

With American Home Shield, you can add on coverage for pools/spas, septic pumps, well pumps and guest units of up to 750 sq. ft.

CoverageShieldSilverShieldGoldShieldPlatinum
Roof-leak repairs  
Air conditioner
Heating unit
Ductwork
Built-in exhaust, vent and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor and components
Water heater
Refrigerator 
Range/Cooktop 
Oven 
Dishwasher 
Built-in microwave 
Garbage disposal 
Instant hot/cold water dispenser 
Clothes washer 
Clothes dryer 

Cost

Home warranties require a monthly or yearly premium for the life of your service contract and a service call fee when you request service from a contractor. American Home Shield allows you to customize your fee with respect to your monthly premium. A higher premium means a lower service call fee and vice versa.

Unfortunately, Brooklyn is one area of the state where American Home Shield does not offer its coverage plans. Here are the quotes we received for a single-family home of around 2,000 sq. ft. in Buffalo, NY.

Plan$75 Service Fee$100 Service Fee$125 Service Fee
ShieldSilver$119.99$109.99$104.99
ShieldGold$129.99$119.99$114.99
ShieldPlatinum$149.99$129.99$134.99

Get a Free Quote

To find out how much an American Home Shield plan costs for your home, call 844-529-9298 or fill out this quick online form.


Best for Aging Homes: Choice Home Warranty

Quick Take

Choice Home Warranty takes the second spot on our list based on its value and lengthy workmanship guarantee. All of its contractors’ repairs are guaranteed for 90 days, which is three times as long as the industry-standard 30 days. If a repair fails within that time period, Choice Home Warranty will send another contractor to fix the problem without charging another service fee.

Pros and Cons

Has a lengthy guarantee on all repairs and replacements

Doesn’t require a home inspection for coverage

Is budget-friendly, particularly in expensive areas of the state

Has a B- rating from the Better Business Bureau (BBB)

Doesn’t allow you to choose your own contractor

Plans and Coverage

Choice Home Warranty covers both home systems and appliances with its Basic Plan, which includes heating systems, plumbing, dishwashers, water heaters and more. Even more comprehensive coverage is available with the Total Plan, which includes air conditioning, washers, dryers and refrigerators.

With either plan, you can also purchase optional coverage for pools, spas, roof leaks, stand-alone freezers, central vacuums, well pumps, septic systems, sump pumps and septic tank pumping. If your home has more than one refrigerator or spa, you can also add on coverage for it. 

CoverageBasic PlanTotal Plan
Heating system
Electrical system
Plumbing system
Plumbing stoppages
Air conditioning 
Water heater
Whirlpool bathtub
Refrigerator 
Oven/Range/Stove
Cooktop
Dishwasher
Built-in microwave
Garbage disposal
Clothes washer 
Clothes dryer 
Ductwork
Garage door opener
Ceiling and exhaust fans

Cost

All Choice Home Warranty plans come with an $85 service fee. The following is a quote we received for a 2,000 sq. ft. home in Brooklyn, which is only $2 per year higher than the quote we received for a home in Buffalo. This makes Choice Home Warranty an exceptionally good deal in areas where the cost of living is higher.

PlanMonthly CostCost of Single Payment
Basic Plan$50.99$579.22
Total Plan$59.61$682.65

Get a Free Quote

Call Choice Home Warranty at 929-400-6165 or fill out this easy form to get a free quote.


Most Customizable Plan Options: America’s First Choice Home Club

Quick Take

With its four plans and long list of additional coverage options, America’s First Choice (AFC) Home Club offers some of the most customizable coverage on the market.

You can even choose your own contractor to complete repairs as long as you receive prior authorization from the company. There’s an option to pay month to month instead of signing a contract, though contracts tend to cost less over the course of time.

Pros and Cons

Locks in rates as long as you renew your contract

Guarantees repairs for the life of the contract

Offers free perks including identity protection and discounted security systems

Doesn’t cover plumbing stoppages outside of premium plan

Charges a $75 cancellation fee

Plans and Coverage

AFC Home Club offers four plans in total, detailed below:

  • Systems Plan: Covers major systems such as heating, cooling and plumbing
  • Silver Plan: Covers home appliances including garbage disposals, ovens and stoves
  • Gold Plan: Covers both systems and appliances plus ductwork 
  • Platinum Plan: Adds comprehensive coverage for plumbing stoppages, built-in microwaves, faucets and ice makers

If you need more complete home coverage, you can add a tankless water heater, in-ground pool, stand-alone freezer, sump pump, double oven, central vacuum, hot water dispenser, septic system or well pump to your protection plan. 

 Systems PlanSilver PlanGold PlanPlatinum Plan
Air conditioning 
Heating 
Water heater 
Electrical system 
Plumbing system 
Ductwork 
Clothes dryer 
Clothes washer 
Kitchen refrigerator 
Oven 
Range 
Dishwasher 
Garbage disposal 
Garage door opener 
Built-in microwave   
Ice maker   
Plumbing stoppages   

Cost

AFC Home Club allows you to choose from a service fee of $75, $100 or $125, and your premium will be adjusted accordingly. You can also save money by paying annually or purchasing a three-year contract. 

However, be aware that prices vary substantially depending upon what part of the state you live in. Here are the prices for a plan with a $100 deductible based on quotes we obtained in our secret shopping process.

PlanMonthly CostAnnual Cost
System Plan$43.17$460
Silver Plan$35.92$374
Gold Plan$50.33$546
Platinum Plan$55.08$604

Get a Free Quote

Enter your contact information in this easy form or call 877-755-1115 to get a free quote from AFC Home Club.


Best for Utility Coverage: The Home Service Club

Quick Take

Although it’s a newer company, The Home Service Club has a lot to offer. Even its least expensive plan covers some big-ticket appliances, and its more comprehensive plan covers a few things that most companies only sell as add-ons, such as sump pumps and pest control. The Home Service Club is available nationwide, including everywhere in the state of New York.

Pros and Cons

Covers refrigerator, washer and dryer, even in basic plan

Has lots of add-on coverage options for home protection

Offers one month of free coverage when you choose to make an annual payment

Has less experience than other service providers in this review, being founded in 2017

Does not provide sample contracts online

Plans and Coverage

The Home Service Club’s Standard Plan covers repair and replacement of both systems and appliances, including plumbing, air conditioning, washers and dryers. The Comprehensive Plan adds coverage for water and gas leaks, as well as a number of other home appliances.

The long list of additional coverage options includes an array of coverages, including:

  • Roof coverage
  • Pool equipment
  • Jetted bathtubs
  • Spa and spa heaters
  • Sewage ejector pumps
  • Refrigerator dual compressors
  • Freestanding freezers
  • Water softeners
  • Well pumps
  • Plumbing
  • Sprinklers
  • Service lines

Also, if you have multiples of the same appliances, you can purchase coverage for an additional fridge, dishwasher, water heater, oven/range/cooktop, microwave or freezer.

 Standard PlanComprehensive Plan
Air conditioning
Alarm wiring 
Ceiling fans
Central vacuum
Dishwasher
Doorbell 
Dryer
Ductwork 
Electrical system
Food center
Garage door opener
Garbage disposal
Trash compactor
Gas leak 
Heating system
Hot water pump 
Refrigerator ice maker
Microwave
Oven/stove/cooktop
Pest control 
Plumbing system
Plumbing stoppage 
Refrigerator
Smoke detector 
Sump pump 
Telephone wiring 
Washer
Hot water dispenser 
Water heater
Water leak 
Whirlpool 

Cost

Supposedly, The Home Service Club allows you to select a service fee of $65, $95, or $125 and adjust your premium accordingly. However, the quote we were offered did not specify a service fee or offer an option to choose your deductible. The prices for plans were the same in both Buffalo and Brooklyn.

PlanMonthly CostAnnual Cost
Standard Plan$50.41$574.95
Comprehensive Plan$62.91$724.95

Get a Free Quote

Call The Home Service Club at 800-842-9334 or fill out this easy contact form for a free quote.


Our Verdict

We find American Home Shield to be the best home warranty provider in New York. The company offers the broadest coverage of any provider on our list and has been serving home since since 1971. The company also provides customizable service call fees and three plans to choose from, giving homeowners options for plans to suit their individual needs.

Of course, this comprehensive coverage comes with a higher price tag and doesn’t cover every area of New York, so we also recommend Choice Home Warranty and The Home Service Club as more value-friendly options. Before choosing a provider, we recommend comparing at least three quotes to ensure you find the best coverage for your home.


Frequently Asked Questions 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.


Home Warranty Rating Methodology

To help you find the best home warranty, our reviews team researched numerous home warranty companies, analyzing their coverage plans, pricing and customer service, among other factors:

  • Coverage: Home warranty companies that provide extensive coverage and protect important systems and appliances, including your air conditioning, refrigerator and heating, scored higher than companies with minimal coverage.
  • Plan variety: A provider with more coverage plans allows for more flexibility among customers. In general, most home warranty companies provide an appliances-only plan, systems-only plan and combination plan.
  • Pricing: We scored providers based on their monthly plan prices and service call fees compared to the industry average pricing. Companies with more affordable coverage received more points than companies with more expensive plans.
  • State availability: Where you live will determine what companies are available in your area. Home warranty companies that covered more states received more points than companies with a limited state availability.
  • Trustworthiness: There are some home warranty companies that are scams and don’t follow through on their service agreements. We rated companies based on their years of experience, ratings on the Better Business Bureau (BBB) and customer reviews.

To keep our data current, our team regularly updates the data points for each company to ensure their coverage offerings, pricing and availability are accurate.

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