Top Best Home Warranty Companies In New York Review

From the beautiful mountains in Upstate New York in the Adirondacks, down to the bustling New York City, and out west to Niagara Falls and Buffalo, there is surely a place to anyone in NY. Homeowners in New York have the pleasure of experiencing all four seasons with plenty of outdoor activities to choose from. However, with those harsh Northern winters comes rough wear-and-tear on home’s major appliances and systems. Read on to learn all the information you will need to find the best home warranty company in New York and protect your home.

In this in-depth guide 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!
Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
96.1

$200 Off + FREE Bonus Month
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We’ve discovered the best 7 warranty companies in NY by comparing 68+ service 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.

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 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
  # 5 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
  # 6 Complete Care Home Warranty
Editorial Rating 92.2
  • Lower chance of claim denial
  • 24/7 service calls
  • Large and established firm
    • 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: ReviewHomeWarranties.com 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, ReviewHomeWarranties.com have collected and analyzed information on multiple companies servicing NY residents.  

    Compare New York Home Warranty Providers

    ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
    Choice Home WarrantySiteBest Overall$40 - $48$85B-
    American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
    Liberty Home GuardSiteBest Reviewed$40 - $60$60A
    First Premier Home WarrantySiteBest Coverage$45$75B-
    Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
    Complete Care Home WarrantySiteBest Service Fee$43 - $50$45B+
    America's 1st Choice Home ClubSiteBest Plans Pricing$29 - $50$75 - $125B

    New York Home Warranty Costs 

    New York is not a cheap state to live in. Therefore home warranty costs become extremely important for New York homeowners to consider. As New Yorkers, it makes sense to have a general idea as to what the cost of a home warranty will be. When you understand averages related to single-family homes, townhomes, condos, and more, you can be better prepared to purchase a home warranty. When purchasing a home warranty, you will need to consider monthly costs, service fees, coverage caps, and more. At Review Home Warranties, we have done in-depth research to compile a list of data on the average cost for a home warranty in New York. Our research included all different types of New York homes. 

    Type

    Average Annual Premium

    Overall

    $794.79

    Single Family Home

    $698.15

    Multi-Family

    $1,162.03

    Townhome

    $583.17

    Condo

    $693.66

    Home Over 5,000 sq ft

    $1,232.50

    Home Under 5,000 sq ft

    $800.43

    Best Home Warranties in New York Reviewed

    There are several home warranty companies operating in all of New York State. There are many things you need to keep in mind when considering getting a new policy. The following are some key factors NY homeowners should focus on:

    • Premium prices: Your monthly premium prices are the cost of your home warranty policy each month, whether you use your policy or not. It's important to consider what monthly price can fit within you budget.
    • Service fees: All home warranty policies come with a service fee that you will pay each time you contact your home warranty provider and they send a technician to your home. For example, if your policy includes a service fee of $75, you’ll pay your technician $75 for any type of covered repair or replacement. Sometimes home warranty companies allow you choose your service fee, and a higher service fee will lower your monthly premium.
    • Coverage limits: Like most types of home protection, a home warranty policy includes an annual, lifetime, or item limit on the total cost of repairs or replacements you can claim. Each plan will come with its own set of limitations, and they often have a maximum of $1,000 per item annually. Be sure to choose a plan with a sufficient limit that makes you feel you're getting your moneys worth in monthly payments.

    Keep these features in mind as you explore all of the top home warranty companies in New York.

    1. Choice Home Warranty (Best Overall)

    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. 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 as 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.

    Pros

    Cons

    24/7 claims service available

    Service fee of $85 is a bit higher than most competitors 

    Fast and easy signup process; can get coverage entirely online in as little as five minutes

     

    Guaranteed labor for 90 days after a repair 

     

    Affordable plan choices

     

    Pricing and Plans:

    Choice Home Warranty offers two tiers of coverage: the Basic Plan and the Total Plan. The Total Plan is by far the most popular option, covering all the major systems and appliances in your home, including air conditioning, refrigerator, washer, and dryer - which are not covered under the Basic Plan. You get all that in the Total Plan for about $53 per month or $660 per year. 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 Basic Plan costs $45 per month or $560 per year, and covers 13 systems and appliances, including toilet, electrical system, oven, water heater, and more. CHW also has 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. Although Choice's monthly payment may be affordable for New Yorkers, its service fee it relatively high at $85 per service call.

    Plan

    Cost Per Month

    Service Fee

    Basic Plan

    $42

    $85

    Total Plan

    $50

    $85

    BBB customer reviews:Customer Reviews:

    “We had an emergency because our air unit was not working and it was hot and humid. I called Choice Home Warranty and within hours we had contact with a local technician, who showed up on a Sunday to repair our unit and to ease our anxiety. This the third time we filed a claim. All of the local technicians were professionals, experienced and resolved our problems with effectiveness and efficiency"

    "This is the best investment I have made to ensure my home is covered for all of the things that could go wrong throughout the life of my property management. We bought a three year plan”

    “Spoke to multiple employees during my investigation into home warranties and all of them with Choice made me feel welcome and not a high pressure sales pitch. Still in the waiting period for the policy to kick in, and actually don't have a need for a claim at this time, but if the rest of the process continues this smooth, I will be moving my other property over to Choice also."

    Find out more information from our Choice Home Warranty Review.

    2. American Home Shield (Most Customizable)

    American Home Shield offers discriminating New Yorkers the most comprehensive coverage available. 

    They are the gold standard. AHS has the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, whirlpool components, and faucet and valve coverage. 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 cruising through NYC in a top-shelf Mercedes, or through the Adirondacks in a top-of-the-line Land Rover:  More expensive than the competition, but it comes loaded with extras. 

    Pros

    Cons

    Most comprehensive plan offers coverage for 14 major home appliances and 9 appliances 

    Higher pricing on high-tier plans

    Allows you to choose your own service fee

     

    Offer an electronics protection plan that allows you to extend your coverage

     

    Discounts offered on some appliance makes and models

     

    Coverage offered for all appliances no matter their age

     

    Pricing and Plans

    American Home Shield offers three plans: ShieldSilver, ShieldGold and ShieldPlatinum, as well as a choice of service fee from $75, $100, or $125. At the $75 deductible level, you will pay $75 per month for their Platinum Plan that covers an industry-leading 27 systems and major appliances, or $45 per month for their ShieldSilver. The ShieldSilver covers 17 systems and ShieldGold covers 23 systems and appliances, which is great deal if you're looking for less but still great coverage on certain items in your NY home. 

    The prices on the table below represent the monthly cost of each plan at a $100 service fee. Although this is high, there is excellent coverage in the ShieldPlatinum plan.

    Plans

    Cost Per Month

    Service Fee

    ShieldSilver

    $35

    $75 - $125

    ShieldGold

    $45

    $75 - $125

    ShieldPlatinum

    $65

    $75 - $125

    Customer Reviews

    BBB customer reviews:

    "I had an AC technician out the very next day. The technician was extremely knowledgeable and very professional. He had us fixed up in no time! He even took the time to educate us on how to prevent future problems."

    "We just switched over from 2-10 to AHS and we've been so happy from the second we joined. We had to wait a month to start using the service, but that's typical from what I understand. The customer dashboard, requesting service, and the actual contractors have all been amazing. I'm very pleased and highly recommend."

    "They were quick and helpful, they were there when I needed them."

    Learn more about AHS via our American Home Shield Review.

    3. Liberty Home Guard (Best Reviewed)

    As a New Yorker, you have a famously low tolerance for being put on hold or any other form of customer service indignity. Liberty Home Guard is known for their customer service expertise. They are also a tech-savvy company. This attention to technology will be seen immediately on their website and when exploring the brand new customer portal. If you like a streamlined, user-friendly 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. So whether you are getting protection for your Air BNB in Montauk or the family homestead in Bouchville, there will be a contractor nearby to service the call. 

    Pros

    Cons

    A+ rating on BBB

    A newer company that only came into business in 2019

    Low service fee of only $60

     

    Contractors are intensely vetted and trusted by LHG 

     

    Wide range of add-on coverages is available

     

    Do not require a home inspection or maintenance record prior to getting coverage

     

    Pricing and Plans

    Liberty Home Guard offers three plans, the Appliance Guard, Systems Guard, and Total Home Guard. The least expensive is the Appliance Guard at just under $70 per month and covering 11 major appliances, including dryer, washer, and refrigerator. The Systems Guard runs about $75 per month and will get you coverage on nine systems including air conditioner and heating. The combo plan Total Home Guard covers systems and appliances for just under $80 per month - the best value and the most popular choice. Total Home Guard has extensive coverage of 20 home systems and appliances.

    Liberty also has among the lower service call fees at $60. This is a relief considering the high price tag of monthly payments.

    Plans

    Cost Per Month

    Service Fee

    Systems Guard

    $69.99

    $60

    Appliance Guard

    $74.99

    $60

    Total Home Guard

    $79.99

    $60

    BBB customer reviews:Customer Reviews

    “Liberty delivers what is promised. Never had any trouble getting anything fixed. Love their service and attitude.”

    “On Friday, August 13, 2021, I received a telephone call from the contractor regarding my service. He was most helpful in assisting me with my issues that I had. I have to say honestly he has resolved all of my issues and was extremely professional.”

    Learn more in our Liberty Home Guard Review.

    4. First Premier Home Warranty (Best Coverage)

    If you want to keep things simple, First Premier is a great pick for your New York home. They offer one plan, so if you are fatigued by the choices you have to make in your life, First Premier has you covered!

    And they do offer excellent coverage. All the main systems and appliances you expect to be protected in your New York residence are covered, including HVAC, plumbing, and electrical. And with coverage limits up to $1,500, it’s not the highest limit, but they won’t leave you high and dry either.

    Pros

    Cons

    Online portal with 24/7 service available

    Only been in business since 2020

    Lower-than-average service fees 

     

    Premier Platinum plan offers coverage for multiple of the same system

     

    Excellent discounts for annual plans

     

    Plans and Pricing:

    First Premier offers two combo plan for appliances and systems: the Premier Gold Plan and the Premier Platinum Plan. First Premier's Gold Plan is their most basic plan, covering 14 items and running for as low as $35 per month with a $75 service fee. The Premier Platinum Plan is its most comprehensive plan, offering coverage of 19 systems and appliances for as low as $43 per month.

    Home cost and size it typically much larger in NY, causing the cost of home warranties to be higher. Below you will find the typical price for a First Premier home warranty in New York with a $75 service fee. 

    Plans

    Cost Per Month

    Service Fee

    Gold Plan

    $43

    $75

    Platinum Plan

    $50

    $75

    Customer Reviews

    BBB customer reviews:

    “The technicians came out the same day my claim was dispatched. They were professional, respectful and clean. Thank you!”

    “First Premier Rocks!!! When you have a household of 6 family members and the Washing machine stops working things can get aggravating very fast. I filed a claim online and within the hour a technician was assigned. The technician was friendly and courteous and problem was resolved within 20 minutes!”

    For more information, read our First Premier Review.

    5. Cinch Home Services (Best Workmanship)

    With Cinch Home Services you’ll get great plan options and one of the most generous workmanship guarantees in the business. You don’t want to come to your summer home outside of Old Forge and find the pipes burst after they were fixed under Cinch coverage over the winter. But if you do, you have a full six months for re-service. That’s almost unheard of, but it’s how Cinch does business.

    Pros

    Cons

    Easy to read plan documents making it easy for customers to know what coverage they’re getting 

    Higher-than-average service fees 

    Able to choose your own service fee

     

    Coverage for parts and components such as knobs and doors

     

    Homeowners may be eligible for a $500 homeowners deductible reimbursement when they choose the Complete Home Plan 

     

    Plans and Pricing

    Cinch Home Services offers three plans: the Appliances Plan, the Built-in Systems Plan, and the Complete Home Plan. The Appliances Plan covers 11 home appliances, including food center, over and range, refrigerator, and your washer and dryer. The Built-in Systems plan covers 21 home systems, including heating, electrical, plumbing, air conditioner and more. The Complete Home Plan is the most popular option for New Yorkers and the comprehensive plan offered by Cinch, covering all 32 home systems and appliances. 

    You can choose from four service call fees between $75 and $150. If you choose the Combo Plan and the $150 service call fee, you’ll pay a premium of about $49. That same plan with the $75 service call fee would be around $68 per month. The table below shows prices of all three plans at a $100 service fee. 

    Plans

    Cost Per Month

    Service Fee

    Appliances Plan

    $44.99

    $100 - $150

    Built-In Systems Plan

    $51.99

    $100 - $150

    Complete Home Plan

    $61.99

    $100 - $150

    Customer Reviews

    BBB customer reviews:

    “From calling in because my heat wasn't working to having a new system installed, everyone was so helpful and kind, fast working and oh so helpful. I recommend a home warranty to anyone that owns their home!!”

    “I put in a claim for dryer service and it turned out really good. The tech came and fixed the problem on the spot so I was happy with that.”

    Read our in-depth Cinch Home Services Review to learn more.

    6. Complete Care Home Warranty 

    Sometimes a service call fee on your rental property in Far Rockaway will give you a shock, even if it’s what you signed up for. You won’t have that with Complete Care. Instead of fees of $100, $125, or even $150, Complete Care will send out a trained technician to your New York home for just $45. So with Complete Care, you don’t have to choose between a low service fee and a low premium, because you’ll get both.

    Pros

    Cons

    Online portal with 24/7 service available

    Only been in business since 2020

    Lower-than-average service fees 

     

    Premier Platinum plan offers coverage for multiple of the same system

     

    Excellent discounts for annual plans

     

    Pricing and Plans

    Complete Care is typical in offering three plans, Appliance, Systems, and Combo. And remember, they are unique in offering a rock-bottom service call fee of $45. For their Appliance Plan you will pay about $43 per month. Same with the Systems Plan. The Combo Plan will run around $50 per month.

    Plans

    Cost Per Month

    Service Fee

    Appliance/Systems Plan

    $45

    $45

    Combo Plan

    $50

    $45

    Customer Reviews:

    BBB Customer reviews:

    “My real estate agent purchased this warranty for me upon closing. I knew nothing about the company but my agent said they use Complete Care for the majority of their houses. I can personally recommend this company after using their services on my electrical system. I told all my neighbors to give you guys a try.”

    “Fast response and repair on our furnace during some wicked weather. Professional service that explained what the problem was and fixed it and gave us recommendations on what service we should do in the future to keep it functioning well.” 

    Find out more information from our Complete Care Home Warranty Review.

    7. America’s First Choice Home Club 

    America’s First Choice is an excellent pick for New York landlords, whether your properties are in Long Island City or outside of Rochester. If you want coverage for common problems and do not want to cut into your profits, the pricing from America’s First will be of interest to you. 

    Pros

    Cons

    Easy to read plan documents making it easy for customers to know what coverage they’re getting 

    Higher-than-average service fees 

    Able to choose your own service fee

     

    Coverage for parts and components such as knobs and doors

     

    Homeowners may be eligible for a $500 homeowners deductible reimbursement when they choose the Complete Home Plan 

     

    Pricing and Plans:

    America’s First Choice offers an Appliance Plan, a Systems Plan, and a Combo Plan. You can choose a service call fee of $75, $100, or $125. Let’s look at Combo Plan pricing. With a $75 service call fee, you’ll pay about $50 per month. At the $125 service call fee level, you’ll pay about $45 per month. AFC Home Club is unique in also offering a three-year plan at a discounted rate.

    Plans

    Cost Per Month

    Service Fee

    Appliances Plan

    $45 - $60

    $75 - $125

    Built-In Systems Plan

    $45 - $60

    $75 - $125

    Complete Home Plan

    $45 - $60

    $75 - $125

    Customer Reviews:

    Consumer Affairs customer reviews:

    "I had a disaster. Had to have emergency plumbing done and AFC was right beside me all the way. They made it so easy To get everything taken care of and I was reimbursing in such a short amount of time. Highly recommend this company for your home warranty needs."

    "I just start with AFC and this was my first service request. I cancelled the request but it was at my own request. No problem. The automated system work great. The customer service I visited with when I signed up was very helpful."

    To learn more information, read our America's 1st Choice Home Club Review.

    Home Warranty Coverage in New York Cities 

    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 the Adirondacks, Central New York, and other regions of Upstate New York, which includes such cities as Albany, Buffalo, Rochester, and Syracuse, the weather 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 of the Hudson River Valley, Metro NYC, and Long Island.  Though in recent years, this region has been prone to flooding and other major weather events, so there are climate-related challenges in all regions of the state.

    What does it mean in terms of home warranty? First of all, cold weather means that your heating system should have the best coverage options possible. And moisture and other weather events can cause all sorts of damage. Your homeowners insurance policy will cover damage caused immediately by natural disasters. A home warranty will cover wear and tear caused by weather and other factors over time. Practically every home warranty company provides some type of coverage for heating systems and air conditioning, but their terms and conditions may differ significantly. That’s why we’re here, to help you find the right coverage whether you live next to Niagara Falls, Lake George, Long Island Sound, or anywhere in between.

    In the Hudson River Valley and Metro NYC, the summers are usually hot and humid. It is virtually impossible to live without air conditioning. In case your house is located on 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 example, ServicePlus, 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.

    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.

    Are You A First-Time Buyer? Check Out This Article!

    Best Home Warranty In New York?

    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.

    Final Thoughts

    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 company in New York is not an easy task, and ReviewHomeWarranties.com 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 conditioner 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

    Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

    At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

    • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
      • Availability 
      • Pricing
      • Coverage
      • Fine Print 
      • Plan Options  
      • Service Contract Details 
      • Customer Service
      • Trustworthiness
      • Ratings and Reviews 
      • Add-On Options 
      • Promotions
      • Additional Benefits
    • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
    • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
    • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

    From here we created a comprehensive, 100 point, rating scale based on the following factors: 

    • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
    • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
    • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
    • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
    • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
    • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
    • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

    Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

    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 that 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 all 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 that 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. 

    Recap of Our Top Picks In New York 

      # 1 Our Top Choice Choice Home Warranty
    Editorial Rating 97.50
    • $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 97.00
    • 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 96.10
    • $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 95.30
    • Lower chance of claim denial
    • Choose your own service fee!
    • Multiple optional coverage items
    • Limited plan selection
    • Online chat not supported
      # 5 Cinch Home Services
    Editorial Rating 95.00
    • 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
    • Lower chance of claim denial
    • 24/7 service calls
    • Large and established firm
      • 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

      Nearby States

      All states
      Home warranty New Jersey 36 companies available
      New Jersey Home Warranty
      Home warranty Pennsylvania 40 companies available
      Pennsylvania Home Warranty
      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.

      Q.

      Is a home warranty worth it in New York State?

      A.
      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.
      Q.

      What are the best home warranty companies in New York?

      A.
      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
      Q.

      What do home warranties cover?

      A.
      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


      Appliances

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

      Systems

      • 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, garbage disposals, ice maker, additional refrigerators or freezers and even pest control. 

      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.
      Q.

      How much does a New York home warranty cost?

      A.
      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
      $59
      $708

      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. 
      Q.

      How do I choose a good home warranty?

      A.
      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.