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Last Updated: February 25, 2025
Owning a house can have many perks, but it can also come with some negatives like maintenance. The older your house’s systems and appliances are, the more likely it is that you'll benefit from a home warranty. A home warranty can give you the peace of mind you need and safeguard your savings account from unexpected expenses by covering your home’s major appliances and systems.
Finding the best home warranty on the market can be overwhelming, since there are so many companies to choose from. That’s why the Today's Homeowner team did the research and put together a list of the best home warranty companies in Manhattan for you.
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
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty in Manhattan. Liberty is a home warranty provider with 6 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that Liberty offers include options for appliance and system coverage. With a home warranty from Liberty, you can enjoy a seamless complaint process and guaranteed service professionalism upon every repair visit. Not to mention, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000 at the maximum.
To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281. Read more by visiting our review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
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 is the best overall home warranty in Manhattan. Choice is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 home warranty plans that Choice offers include options for appliance and system coverage. With a home warranty from Choice, you can enjoy very high coverage caps and simple-to-understand service contracts. Not to mention, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
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 around $3,000 at the maximum.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. Read more by visiting our review of Choice Home Warranty.
Basic Plan
Total Plan
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 Manhattan. Select is a home warranty provider with 11 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that Select offers include options for appliance and system coverage. 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 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953. Read more by visiting our review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
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 in Manhattan. AHS is a home warranty provider with 26 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that AHS offers include options for appliance and system coverage. 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.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage in Manhattan. First American is a home warranty provider with 39 years of experience in the industry, and it has become one of the best providers in the business. The 2 home warranty plans that First American offers include options for appliance and system coverage. With a home warranty from First American, you can enjoy very affordable and comprehensive appliance coverage. Not to mention, it has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.
To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. Read more by visiting our review of First American Home Warranty.
Basic Plan
Premier Plan
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 Manhattan. Cinch is a home warranty provider with 44 years of experience in the industry, and it has become one of the best providers in the business. The 3 home warranty plans that Cinch offers include options for appliance and system coverage. With a home warranty from Cinch, you can enjoy 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.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
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 is the best home warranty with the quickest service in Manhattan. HSC is a home warranty provider with 15 years of experience in the industry, and it has become one of the best providers in the business. The 2 home warranty plans that HSC offers include options for appliance and system coverage. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000 at the maximum.
To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443. Read more by visiting our review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,067 |
| Heating | $4,044 |
| Electrical | $607 |
| Toilets | $506 |
| Washer/Dryer | $809 |
| Plumbing | $607 |
| Oven | $1,618 |
| Fridge | $607 |
A home warranty is a protection plan that assists Manhattan homeowners in lowering the costs of appliance and system repairs. The plans offer coverage to replace or repair appliances and systems that malfunction due to normal wear and tear. When something stops working, you file a claim and pay a service fee. The home warranty company then finds a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives security for homeowners by helping them avoid expensive emergency fixes. They're particularly valuable for those who own older homes or ones with outdated systems. Newer homes with working appliances probably don’t need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include garbage disposals, microwaves, dryers, refrigerators, dishwashers, washers, and more. Covered systems are normally air conditioning, plumbing, heating, and electrical. Many home warranty providers offer add-on coverage for septic systems, roof leaks, locksmiths, and central vacuums. Most home warranty plans require Manhattan homeowners to refrain from making claims for 30 days before they can use the policy to pay for repairs. Moreover, policies typically only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. To help ensure your next repair or replacement is covered, keep up with preventative maintenance.
Here are some essential home warranty words to learn before signing a contract:
There are several important considerations when selecting a home warranty provider:
Home warranties have significant variation in what they include. Basic policies typically provide protection for AC, electrical, heating, plumbing, and appliances, while more comprehensive options may also cover pools, roof leaks, well pumps, and spas. Focus on providers with an expansive array of coverage choices including upgraded plans. Flexibility like this will help you customize your plan to meet your home's needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using companies with lower service fees to maximize savings. Some providers also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty provider's reputation provides insights into factors such as claim approval rates, repair speed, contractor expertise, and customer satisfaction. Read through review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Good reviews and ratings suggest a company known for quality service.
Home warranty companies have networks of contractors to handle covered repairs. More extensive networks raise the likelihood of getting qualified technicians to service your home ASAP. Reach out to potential providers and ask how many contractors they have in Manhattan to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty companies include perks such as smart home device coverage, reduced maintenance fees, and energy efficiency upgrades. These can provide extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Manhattan reaching an average high of 65℃F, you may find that some appliances, like your A.C., get a lot of use. A home warranty can significantly lower out-of-pocket costs should your HVAC system stop working.
Not only does a home warranty offer some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. A home warranty can also give value in other ways. For example, some plans can be transferred between owners when you sell your home.
There are also some downsides to purchasing a home warranty plan, like the coverage exclusions. For example, home warranties may not cover home systems or appliances that already have a manufacturer's warranty.
Another drawback is that home warranties may exclude some repairs, like those needed because of natural disasters. For example, if your house floods, the affected systems and appliances probably won’t be covered by the home warranty.
A home warranty in Manhattan can cost anywhere from $30 to $60 a month. The higher-priced plans tend to have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also lower your up-front costs when you opt for a higher service fee.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty plan protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects a home in a situation such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new refrigerator or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in Manhattan.
A home warranty can help home sellers, real estate agents, homeowners, investors, and homebuyers. It can offer peace of mind to anyone involved in homeownership.
The different kinds of home warranties in Manhattan include plans that cover either appliances or systems as well as combination plans. A combination plan covers many of your home systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Generally, a home warranty plan offers coverage for a year and can be renewed yearly. Some providers may offer month-to-month options.
Usually the one who owns the home pays for the home warranty. In some cases, though, the one selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then have to pay the service fees when using the policy. Considering that the average home value in Manhattan is $256,810, a home warranty can save you some money when buying a home.
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