Top Best Home Warranty Companies In New York Review

Why are home warranty companies in New York so popular among homeowners and home sellers? Because a reliable home warranty company protects New Yorker’s most essential and unique items. 

Finding the right plan to fit your needs isn’t as easy, though. 

In this analysis you will learn:

  • What is a home warranty for a New York resident and which one is the best?
  • What should you think about when purchasing a warranty plan in NY?
  • What are the NY home warranty regulations?
  • And much more!

We’ve discovered the best 7 warranty companies in NY by comparing 68+ providers against industry standard. You may use our comprehensive research and analysis on the most trusted companies in New York to match your needs. Check out our chart below for and continue reading to learn about the best home warranty companies we’ve reviewed.

Editor's Choice

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Best Overall

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Most Affordable

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Best Home Warranty Companies in New York

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  # 4 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 5 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 6
Complete Care Home Warranty
Editorial Rating 92.2
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
    • Save up to $150 on a new plan
    • Choose your own service fee!
    • Lower chance of claim denial
    • Higher fee for contract transfer
    • Higher cancellation fee

    Disclosure: has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

    A home warranty in New York State is a popular investment. Many new homeowners purchase it as soon as they close the deal on their new house. In order to help you select the best home warranty in New York State, have collected and analyzed information on multiple companies servicing NY residents.  

    What should you think about when you select a home warranty in New York? 

    1. Location of the house 

    Before you purchase a home warranty for your new house, think about the geographic location of your property. In Upstate New York, which includes such cities as Albany, Buffalo, Rochester, and Syracuse, the climate is much more severe.

    Due to the lake-effect snow from Lake Ontario and Lake Erie, these cities have much colder and snowy winters, compared to the more temperate climate Downstate New York, where New York City and Long Island are located.

    What does it mean in terms of home warranty? First of all, cold weather means that your heating system should have the best coverage possible. Practically every home warranty company provides some type of coverage for heating systems and air conditioning, but their terms and conditions may differ significantly.

    For example, Total Home Protection, unlike most of their competitors, will cover mechanical parts and components of two heating systems, not just one. This information might be crucial if you live in a big house and have separate heating systems for each floor.

    In Downstate New York, the summers are usually hot and humid. It is virtually impossible to live without air conditioning. In case your house is located in Long Island or New York City, the smartest home warranty decision would be to have the best A/C coverage available on the market.

    For this purpose, we can recommend Choice Home Warranty, which covers all parts and components of up to two ducted air conditioning systems, either central or wall units. All the units must be designed for residential use and should not exceed a 5-ton capacity.

    2. Age of the house 

    In case you have bought a brand new house from the developer, you might not need a home warranty for the first few years. All your home systems and appliances are most likely covered under the manufacturer's or developer’s insurance.

    However, as soon as this insurance expires, all thrifty homeowners in New York State purchase a comprehensive home warranty. Some of them start with basic plans, like the one offered by America’s First Choice Home Club. For only $29 per month, this plan covers the very necessities: heating and air conditioning systems, and a water heater.

    For those homeowners who are interested in more comprehensive coverage, many home warranty companies offer Premier or Combo plans that include coverage for major home systems and appliances. These types of plans will work the best for the owners of older houses.

    Read Also: What Is The Best Home Warranty For Luxury Appliances and Systems?

    Select Home Warranty offers one of the best combo plans on the market. Compared to its counterparts, this company provides coverage for more home appliances and better coverage for all major home systems at a very competitive price of only $42 per month.

    3. Size of the house

    Purchasing a bigger house does not mean that you have to pay more for a home warranty in New York State. As we have mentioned above, some of the companies, like Total Home Protection, take into consideration the size of your house and provide coverage for up to two heating or air conditioning systems at no extra charge.

    Other companies, like Select Home Warranty, offer optional coverage for an additional water heater, furnace, or air conditioning unit for a reasonable price of up to $70 per year, or less than $6 per month. Paying a little now may save you a lot later if any of these items require an unexpected repair or replacement.

    Check out this video for some seasonal home maintenance tips from WKBW TV in Buffalo, NY.


    What Are The New York Home Warranty Regulations?

    Before you sign a contract with any home warranty company, it would be useful to know which authority regulates them so that you could find a complain if something goes wrong and the customer service is unable to help. All home warranty companies in NY must be registered with The New York State Department of Financial Services as service contract providers.

    Best Home Warranties in New York Reviewed

    Choice Home Warranty Review (Best Overall Home Warranty)

    • Service Fee: $85
    • Coverage: 9/10
    • Limits: 9/10
    • Exclusions: 9/10
    • Affordability: 10/10
    • Customer Service: 9.5/10
    • Rating: 97.50

    Visit Website

    (848) 237-1571
    choice home warranty

    Why Do We Like Choice?

    Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

    Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

    Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

    The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

    A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

    That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

    Policy On Pre-Existing Issues or Older Units?

    Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

    What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).


    • Good Limits (up to $1,500)
    • Minimal Exclusions
    • More Affordable 


    • Only 15 Home Appliances & Systems Covered 

    American Home Shield Review (Editor's Choice)

    • Service Fee: $75 – $125
    • Coverage: 10/10
    • Limits: 10/10
    • Exclusions: 9.5/10
    • Affordability: 7/10
    • Customer Service: 9/10
    • Rating: 97.00

    Visit Website

    (866) 464-7521

    american home shield home warranty

    Why Do We Like American Home Shield?

    Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

    In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

    They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

    Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

    Policy On Pre-Existing Issues or Older Units?

    Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


    • Highest Payout Limits (up to $3,000)
    • Widest Coverage (21 systems and appliances)
    • Fewest Exclusions


    • Most Expensive


    Select Home Warranty Review (Most Affordable)

    • Service Fee: $75
    • Coverage: 8/10
    • Limits: 8/10
    • Exclusions: 8/10
    • Affordability: 10/10
    • Customer Service: 8/10
    • Rating: 95.80

    Visit Website

    (888) 370-3954
    select home warranty

    Why Do We Like Select Home Warranty?

    Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

    If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

    Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

    Policy On Pre-Existing Issues or Older Units?

    Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


    • Most Affordable Service Contracts 
    • Roof leaks Are Covered In Their Platinum Plan


    • Ultra Pushy Sales
    • 3 Days To Submit Claim
    • Weaker Network Of Contractors

    Liberty Home Guard Review

    • Service Fee: $75
    • Coverage: 10/10
    • Limits: 9/10
    • Exclusions: 9/10
    • Affordability: 8/10
    • Customer Service: 9/10
    • Rating: 95.10

    Visit Website

    (866) 472-3812

    liberty home guard

    Why Do We Like Liberty Home Guard?

    Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

    Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

    Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

    We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

    Policy On Pre-Existing Issues or Older Units?

    If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.


    • State of the art customer portal system
    • Rigorous testing for contractors
    • Ability to use your own contractors
    • Fair pricing
    • Good customer service for a newer company


    • Must report your issues within one day of noticing a problem

    Total Home Protect Review

    • Service Fee: $75
    • Coverage: 8/10
    • Limits: 7/10
    • Exclusions: 7.5/10
    • Affordability: 8/10
    • Customer Service: 8/10
    • Rating: 95.20

    Visit Website

    (267) 824-4010

    total home protection home warranty

    Why Do We Like Total Home Protect?

    Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

    Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

    Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

    Policy On Pre-Existing Issues or Older Units?

    Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


    • You Can Choose Your Own Technicians
    • Roof Coverage


    • More Exclusions Than Most Competitors
    • The Worst BBB score
    • Low Payout Limits ($500)


    A home warranty can be very useful if you carefully do your research and purchase the coverage that fits your house best. Finding the best home warranty is not an easy task, and was created in order to help you. We have collected information on multiple companies and organized it in a convenient way that allows you to compare different home warranty companies and their plans.

    While selecting a home warranty, the most important things you should think about are the location of your house, its age, and size. Houses located in Upstate New York should have a home warranty that provides the best coverage for heating systems and water heaters, while New York City and Long Island residents should consider home warranty plans that cover air conditioning units.

    For newer houses, the homeowners in New York State might not need a comprehensive home warranty. For their needs, many companies offer basic plans that include only essential home systems and appliances.

    On the other hand, for older houses, almost every company on our list offers a Premier or Combo plan that includes all major home systems, kitchen, and laundry appliances.

    Most home warranty companies develop their plans taking into consideration an average middle-sized house. However, if your house is bigger than average, there are companies that will either provide coverage for additional systems under their regular plans or under the optional coverage.

    We hope that information we have collected and organized will help you select the right company to cover your home systems and appliances in case any unplanned repairs or replacements are needed. Be sure to read through our New York home warranty reviews before making up your mind (although it is always a good practice to inquire with a few companies and use the one you found the most reliable and trustworthy).

    Looking for a home warranty in a nearby state? Check out our comprehensive reviews on states like Maine, Delaware, New Hampshire and Rhode Island

    Nearby States

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    Home warranty Connecticut 32 companies available
    Connecticut Home Warranty

    Frequently Asked Questions in New York

    Below are just some of the frequently asked questions we receive about home warranties in New York.


    Is a home warranty worth it in New York State?

    That New York lake-effect snow and the muggy summers can be brutal on your systems and even appliances in your home. So whether you’re living in Rochester, the Adirondacks, Hudson River Valley, or right in The City itself, the cost of repairing and replacing a washing machine or your heating system can really set you back. 

    A home warranty can mitigate those costs with a low monthly premium and service call fee that is often less than one repair or replacement, much less multiple systems or appliance breakdowns.

    What are the best home warranty companies in New York?

    Not every home warranty company is available in every state. Of the nearly 70 providers we’ve reviewed, here are our top picks for the state of New York.

    1. Choice Home Warranty
    2. American Home Shield
    3. Cinch Home Services
    4. Liberty Home Guard
    5. America’s 1st Choice Home Club

    What do home warranties cover?

    Home warranties are there to protect you from unexpected costs due to the breakdown of common appliances and systems due to wear and tear. Where a homeowner’s insurance policy covers loss from things like weather and theft, a home warranty covers specific appliances and systems from breakdowns due to everyday use. 

    1. Most Common Coverage


    • Refrigerator
    • Oven / Range / Stove
    • Cooktop
    • Dishwasher
    • Clothes Washer
    • Clothes Dryer
    • Built-in microwave


    • HVAC (heating and air conditioning) 
    • Plumbing system
    • Electrical system
    • Water heater

    2. What some cover

    Some providers will also include coverage for things like HVAC ductwork, plumbing stoppages, and even garage door openers.

    Many providers offer optional coverage for items like well and septic pumps, pools and spas, sump pumps, and additional refrigerators or freezers. 

    3. What few cover

    Beyond the standard stuff, some home warranty companies offer some unique coverage. For instance, American Home Shield offers coverage for household electronics and entertainment products. Cinch has a unique “no gotchas” policy that covers, among other things, pre-existing conditions--something most home warranty companies don’t do.

    How much does a New York home warranty cost?

    The top five home warranties for New York have premiums ranging from the mid $400s to the high $700s per year. If you want a basic Systems or Appliances Plan, expect to pay from the mid $400s to the high $500s per year. For a Combo Plan that covers all major systems and appliances, you’ll be looking at an average of $59 per month or in the low $700s per year.

    Prices vary depending on location and the specifics of the plan you choose, so be sure to get a quote for your situation. 

    Combo Plan
    Monthly Cost
    Annual Cost
    Top 5 Average for NY

    You’ll also have a service call fee each time you call in a claim and have a professional contractor come to your home to assess the situation. The service call fee can range from $75 to $125 or even $150. Usually, you can get lower premiums in exchange for a higher service call fee. 

    How do I choose a good home warranty?

    Here are the steps to take in choosing the right home warranty for your New York home.

    1. Research. Is the service available in New York? Do they cover the most important systems and appliances to you? 
    2. Get several quotes. Find out the premium and service call fee from several companies for the plan that suits you best.
    3. Due diligence. Read the service contract carefully before signing anything and handing over your money.