Expert Advice On Improving Your Home

6 Best Home Warranty Companies in Rochester, NY

Written By David Cusick

Last Updated February 2024

Rochester gives homeowners some great housing options and the opportunity to enjoy all four seasons. However, temperatures can put quite a strain on your home’s systems, such as your HVAC. A home warranty is a way to protect your savings account from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.

The home warranty market has a variety of providers — all with different plans — so the Today's Homeowner team has compiled this guide to help you choose the best home warranty companies in Rochester.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 6 Best Home Warranty Companies in Rochester

Liberty Home Guard

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 offers the most trustworthy home warranty in Rochester. Liberty is a home warranty company with 6 years of experience in the industry, and it has proved to be one of the best providers in the business. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are comprehensive and offer both system and appliance coverage.

Liberty Home Guard offers 3 plans for Rochester homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is less than other providers in the Rochester area.

To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our full review of Liberty Home Guard.

Appliance Guard

Systems Guard

Total Home Guard

Service fee: $75.00 Monthly cost: $69.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $74.99
Items covered: Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $79.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer , Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser

Choice Home Warranty

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 Rochester. Choice is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are comprehensive and offer both system and appliance coverage.

Choice Home Warranty offers 2 plans for Rochester homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is less than other providers in the Rochester area.

To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our full review of Choice Home Warranty.

Basic Plan

Total Plan

Service fee: $85.00 Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00 Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select Home Warranty

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 offers the most cost-effective home warranty in Rochester. Select is a home warranty company with 11 years of experience in the industry, and it has proved to be one of the best providers in the business. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are comprehensive and offer both system and appliance coverage.

Select Home Warranty offers 3 plans for Rochester homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is less than other providers in the Rochester area.

To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our full review of Select Home Warranty.

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

Service fee: $60.00 Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

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 offers the most customizable home warranty in Rochester. AHS is a home warranty company with 26 years of experience in the industry, and it has proved to be one of the best providers in the business. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are comprehensive and offer both system and appliance coverage.

American Home Shield offers 3 plans for Rochester homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is less than other providers in the Rochester area.

To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our full review of American Home Shield.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

Cinch Home Services

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 offers the home warranty with the best workmanship guarantee in Rochester. Cinch is a home warranty company with 44 years of experience in the industry, and it has proved to be one of the best providers in the business. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and offer both system and appliance coverage.

Cinch Home Services offers 3 plans for Rochester homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is less than other providers in the Rochester area.

To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our full review of Cinch Home Services.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

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 in Rochester. HSC is a home warranty company with 15 years of experience in the industry, and it has proved to be one of the best providers in the business. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also 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 HSC are comprehensive and offer both system and appliance coverage.

The Home Service Club offers 2 plans for Rochester homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Rochester area.

To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our full review of The Home Service Club.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00 Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

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:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Rochester

Home Appliance Repair Cost
Air Conditioner $6,034
Heating $4,022
Electrical $603
Toilets $503
Washer/Dryer $804
Plumbing $603
Oven $1,609
Fridge $603

How Does a Home Warranty Work?

A home warranty is a protection policy that assists Rochester homeowners in reducing the costs of appliance and system repairs. The plans offer coverage to replace or fix appliances and systems that break down due to normal wear and tear.

When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or repair. Homeowners may have out-of-pocket costs only if the cost of the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners a sense of security and can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not need a home warranty.

What Does a Home Warranty Cover?

Home warranties help protect your home systems and appliances. Common appliances covered under a home warranty include microwaves, garbage disposals, refrigerators, dishwashers, dryers, washers, and others. Covered systems include heating, plumbing, air conditioning, and electrical. Many home warranty plans offer additional add-on coverage options for central vacuums, septic systems, locksmiths, and even roof leaks. Most home warranty plans require Rochester homeowners to refrain from making claims for 30 days before the plan will cover repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, pre-existing conditions, natural disasters, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.

Key Home Warranty Terms to Know

Home warranty contracts use several terms that you'll want to know before signing, such as:

  • Deductible: The amount you're responsible for before your warranty covers the remainder of the cost. Deductibles apply to covered repairs and may be on a per-claim or yearly basis.
  • Trade call fee: An additional fee that's sometimes required to appliance-related claims.
  • Endorsements: Optional add-on coverage for systems such as pools, well pumps, septic and more. Endorsements typically come with an additional fee.
  • Coverage limits: The maximum dollar amount that your warranty provider will pay for certain repairs or replacements. Check your contract's limits on repairs for things like roof leaks, appliances, and air conditioning units.
  • Claim approval: The process by which your provider determines whether a requested repair or replacement is covered under your warranty.
  • Service fee: The out-of-pocket cost per claim that you pay for contractor access and repair coverage.
  • Contract rate: The pre-negotiated rate a home warranty company has with its contractors. This rate is usually less than typical retail costs.
If you remember these terms and key factors, it’ll help you understand costs and select a home warranty tailored to protecting your most essential home systems. Make sure to talk to companies about the specifics of coverage when getting a quote, so you can avoid unexpected fees.

Key Factors in Choosing a Home Warranty Company

There are several important considerations when choosing a home warranty provider:

Coverage Options

Home warranties differ greatly in the items covered. Basic policies typically cover plumbing, AC, electrical, heating, and appliances, while more comprehensive options may also cover well pumps, spas, pools, and roof leaks. Focus on providers with broad coverage options including upgraded plans. Flexibility like this will help you customize protection for your needs.

Service Fees

With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which is paid per service call made. These per-claim charges can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some firms also offer disappearing deductibles if a homeowner doesn't submit claims for repairs for a specified period of time.

Reputation

A home warranty provider's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Check review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about companies. Positive feedback and ratings suggest a company known for quality service.

Contractor Network

Home warranty providers have networks of professionals that they use to tackle covered repairs. Larger networks increase the chance of getting skilled contractors to your home promptly. Contact possible providers to ask how many repair professionals they have in Rochester to understand how long repairs could take in an urgent situation.

Added Benefits

Certain home warranty companies provide perks such as protection for smart home devices, energy-efficient upgrades, and discounts on maintenance. These provide extra value beyond repair coverage. Added perks can enhance your home and help maximize your home warranty.

Is a Home Warranty Worth it in Rochester?


Benefits of a Home Warranty

Temperatures in Rochester can vary greatly throughout the year, which means your air conditioner and heating systems are likely to get a decent amount of use. As a homeowner in Rochester, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.

Additionally, having a home warranty can save you some time by removing the need to research service technicians — most companies will send a trusted professional right to your door to complete the necessary repair or replacement. Plus, having a home warranty can make your house more attractive to potential homebuyers if you ever decide to sell in the future. Many home warranty companies will allow you to transfer your policy to a new owner and give them the protection you’ve been getting.

Downsides of a Home Warranty

One of the main drawbacks of a home warranty is not everything may be covered. It’s important to weigh the different plans and choose one that covers all the appliances, systems, and add-ons you need.

Another stipulation is that home warranties typically only cover repairs needed due to normal wear and tear. They most likely won’t cover systems or appliances that have stopped working due to animal infestations, natural disasters, improper maintenance, etc.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Rochester, NY

A home warranty costs, on average, about $300 to $600 a year in Rochester. Our high-rated home warranty companies' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. Additionally, it's often less expensive to pay annually rather than monthly.

Home warranties and home insurance differ in what types of damage they cover. Home warranty policies cover problems related to home systems and appliances that need to be repaired or replaced due to normal wear and tear. A home insurance policy is a different kind of insurance that protects an entire home from natural disasters, which can sometimes be a concern in Rochester. It doesn't cover a typical appliance or system damage.

A home warranty can help investors, real estate agents, home sellers, homebuyers, and homeowners. It can offer peace of mind to anyone involved in homeownership.

The different types of home warranties in Rochester include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers many of your home systems and appliances, such as your dishwasher, washing machine, and plumbing. An appliance or system plan will cover only the items listed in the contract.

Home warranty plans typically offer coverage for a year. Many companies let you renew your plan yearly, and some offer month-to-month plans as well.

Typically, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Rochester, where the median value of a home is $212,810, having the seller pay for the home warranty can be a good asset for your new home.

Other Rochester, NY Home Services