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Best Home Warranties in New York

We compared 27 companies and chose the top home warranty providers

    • Choice Home Warranty
      4.0(72,866)
    • Liberty Home Guard
      4.3(1,334)
    • American Home Shield
      3.7(108,817)
    Author picture
    By: Taylor Sansano
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in New York

    To help you find the best home warranties in New York, we’ve compared top home warranty companies on ratings and reviews, price, coverage, availability and other factors. The results: Choice Home Warranty is the best option overall for New Yorkers. Liberty Home Guard and American Home Shield are also worth considering.

    Our 3 New York home warranty picks

    1. Our top pick overall: Choice Home Warranty
    2. Our pick for customer service: Liberty Home Guard
    3. Our pick for fast service: American Home Shield

    Our research team compared dozens of companies and chose our top picks based on factors including available plans, customer reviews, coverage limits and price.

    Read our full methodology for details on how we selected the best home warranty companies. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations. Our publishing policy ensures that the journalistic content and user reviews on ConsumerAffairs remain independent of commercial influences.

    Choice Home Warranty

    Choice Home Warranty
    4.0
    72,866 reviews
    Plans available
    2
    Service fees
    $100
    Starting costs
    $46.83
    Get a Quote Read Reviews

    Choice Home Warranty sells service contracts in New York that are designed for homeowners, homebuyers, home sellers and real estate agents. CHW claims it will contact a technician within four hours of receiving your request by phone or online, and repairs or replacements are completed by one of the over 25,000 contractors in its network.

    We’ve compared this company’s plans based on select coverage items below.

    Choice Home Warranty has the strongest reviews of any home warranty company we found in New York, garnering it our top pick overall.

    “It's a pleasure dealing with Choice Home Warranty. I would recommend Choice and Amaro Appliance to everyone I know. Thank you to all involved including the people I spoke to at Choice. Everyone did a great job.”
    Carmine South Farmingdale, NY
    “Tech and service call to diagnose was outstanding, prompt, professional and efficient. From start to finish I was handled with care, concern, and respect from initial phone call to choice to when technician left my home. I'm glad I'm a Choice customer.”
    Richard Staten Island, NY

    Occasionally, reviewers mention problems with customer service, including unsolicited calls and difficulty reaching representatives.

    Liberty Home Guard

    Liberty Home Guard
    4.3
    1,334 reviews
    Plans available
    3
    Service fees
    $50 to $125
    Starting costs
    $49.99
    Get a Quote Read Reviews
    Special Offer

    $200 Off on Multi-Year Plans

    $200 Off Per Year on Multi-Year Plans (e.g. $200 off 1-yr plan, $1,000 off 5-yr plan), Added Bonus Months (2 for 1-yr with 1 more bonus month per added year), Free Limited Roof Leak Protection

    Liberty Home Guard claims that a majority of its customers have a technician on-site within 48 business hours, and all work from its licensed technicians is backed by a 60-day workmanship warranty.

    At the time of publishing, there are significant discounts available ($20 per month in savings) that aren’t included in the rates below. You’re also eligible for discounts if you sign a longer contract. This isn’t unheard of in the industry, but many companies aren’t as transparent about that option as LHG is.

    We’ve compared this company’s plans based on select coverage items below.

    Liberty Home Guard didn’t have enough total reviews to unseat Choice Home Warranty as our top pick, but almost all of its reviews in New York give it 5 stars. New Yorkers are also highly complimentary regarding the brand’s customer service.

    “Caring and professional customer service. No stress, no fuss. The technician was here the next day, and my garbage disposal works like new. No leak, no smell. Thank you, Liberty! We will definitely renew our coverage!”
    Georgia Brooklyn, NY
    “So grateful I made the decision to purchase Liberty’s warranty. It has already paid for itself and customer service is always reliable and friendly. Thanks for going that extra mile each time. Will purchase again.”
    Douglas Brooklyn, NY
    “They are the first home warranty company that I know of that is over-communicative. For example, last week the garage opener got stuck, and the customer service representative called me right after their system notified that a technician was assigned. That same representative, Jordan followed up after the repair to ensure that everything went smoothly. Thank you Jordan and thank you LHG!”
    oren Huntington Station, NY

    Some customers have expressed dissatisfaction with Liberty Home Guard, citing issues with payment for services rendered and delays in receiving quotes and reimbursements.

    American Home Shield

    American Home Shield
    3.7
    108,817 reviews
    Plans available
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Get a Quote Read Reviews
    Special Offer

    Mystery Offer

    50% Off Select Plans

    American Home Shield provides home service contracts that cover up to 24 major home systems and appliances for its more than 2 million members. You can customize your policy to fit your needs with tailored service fees and coverage add-ons. If you need a repair, you can file a claim 24/7 through its website portal. All repairs are backed by a 30-day workmanship guarantee.

    We’ve compared this company’s plans based on select coverage items below.

    Reviews for American Home Shield in New York praise the company for its fast service and convenience.

    “I did a claim online and it was very easy to navigate American Home Shield's website. The day after, technicians came out. They were very professional and I'm glad we got them. The whole process took like two days and my appliance is working fine now.”
    Roger East Meadow, NY
    “The claim process of AHS is very straightforward. Whenever there's a problem, it's addressed a lot faster. 'Cause I had a different one before American Home Shield at a different property. No comparison. … I'm happy to be with AHS since I moved over to them.”
    Monique Tarrytown, NY

    A few customers complained about poor customer service, difficulty in reaching a resolution and lack of transparency in coverage.

    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process

    Home Warranties in New York Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    Choice Home Warranty logo
    Liberty Home Guard logo
    American Home Shield logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      New York home warranty buyers guide

      Buying a home warranty in New York State can be a pretty simple process as long as you understand how the industry works and what you need for your specific home and area.

      » MORE: Home warranty coverage

      Key insights

      Home warranty plans typically cost between $30 and $90 per month, depending on discounts, coverage and plan type.

      Jump to insight

      Consider location-specific needs within New York (e.g., heating in Buffalo) and the type of home you want to cover — older homes may benefit from more comprehensive coverage.

      Jump to insight

      In New York, the Department of Financial Services regulates the home warranty industry. You can file grievances with the Department if you believe a valid claim was unfairly denied.

      Jump to insight
      buffalo new york skyline

      How much does a home warranty cost in New York?

      Home warranty prices vary considerably. Based on recent quotes from 22 companies nationwide, we found that a home warranty plan costs $30 to $90 on average (as of publishing).

      What you’ll pay depends on what coverage and company you choose. Most companies offer straightforward quotes (or even flat pricing), but some allow you to customize your plan in a way that changes the price. For example, you could earn a discount for buying multiple years of coverage or increasing your service call fee.

      » CALCULATE: Home warranty costs

      How to find the best home warranty in New York

      Homeowners in New York face different issues depending on whether they live upstate, in NYC or in Long Island, so your home warranty needs may depend on the part of New York you’re from. For example, if you buy a house in Buffalo, you might put extra emphasis on making sure your heater is covered throughout the year.

      Some warranty providers won’t cover multifamily properties or condos.

      You might also need to tailor your coverage to the type of home you’re in. If you have or are purchasing an older home, you may favor a more comprehensive warranty policy to make sure as many of your aging home systems and appliances are covered as possible.

      Most home warranty companies also offer several add-on coverages to consider. If your brownstone has an elevator, for instance, getting comprehensive electrical coverage could make sense. If your condo has a hot tub, you might want to pay a few dollars more a month to get it covered.

      What New Yorkers say about home warranties

      In reviews on our site, New Yorkers’ firsthand experiences highlight what really matters when you’re weighing a home warranty company. Here’s what local homeowners seem to think you should keep in mind:

      • Quality techs make a difference in long-term results: “He fixed it on the spot. He went through the codes and he fixed everything that the guy said was wrong. So far, I haven't had any issues with my washer anymore.” — Daniel in Liverpool
      • Delays happen — so ask about provider networks before you buy: “I have a plumbing leak in my upstairs bathroom. I am still waiting for them to find a plumber to to send over. It’s been 13 DAYS!” — Dawn in Yonkers
      • Quick turnarounds also seem to add real value when appliances quit.

      Home warranty regulations in New York

      In New York, the Department of Financial Services regulates the home warranty industry and enforces state law. For example, New York has made it law that companies must write their contracts in an “easy to read” way that clearly outlines important disclosures.

      Here are a few other things New York law says must be included in your contract:

      • Service contracts must specify the services to be provided and any limitations, exceptions or exclusions from coverage.
      • Service contracts in New York, by law, can be canceled by the provider as long as they give a written notice 15 days prior to cancellation.
      • The contract must state whether preexisting conditions can prevent service on a covered item.

      If you feel that you have a valid claim and haven’t received coverage, you can file a grievance with the Department of Financial Services. Companies are required by law to provide access to accounts, books and records so the department can assess the claim and establish its findings.

      FAQ

      Is a home warranty worth it in New York?

      You might find a home warranty worth it in New York — it depends on how you end up using your coverage over the course of the contract.

      In some cases, you may save thousands of dollars on covered repairs. However, if you end up not needing a repair during your contract period, you might feel like you wasted money. Regardless, many homeowners find that the peace of mind a home warranty offers is worth the cost on its own.

      What is a home warranty, and why do you need one?

      A home warranty is an optional piece of coverage homeowners, homebuyers and home sellers can purchase. While home insurance covers expenses after specific incidents, like fires, a home warranty helps protect you from the cost of repairing or replacing home systems and appliances that wear out and break down over time.

      If you’re on a tight budget and know that a broken AC unit could put you in a bad financial situation, a home warranty can help you budget for repairs in a way that doesn’t break the bank.

      Is home warranty coverage transferable?

      Yes, home warranty policies are usually transferable. If you’re selling your home and your coverage is still in effect, you can likely pass it on to the homebuyer — this could even be a selling point to potential buyers.

      Methodology

      ConsumerAffairs carefully collects in-depth, verified reviews to tell each customer’s experience with a company. We believe customer experiences are a crucial indicator when evaluating companies, so these reviews are a significant factor when selecting our top picks.

      To choose the top home warranty companies in New York, we started with the popular providers listed in our main home warranty guide. First, we narrowed it down to the ones available in New York. We then weighted several key features to get our final rankings:

      • Reviews: We analyzed reviews of home warranty companies in New York to get a sense of which companies locals are happiest with.
      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.
      Guide Sources

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:

      1. New York State Senate, “Chapter 28, Article 79: Service Contracts.” Accessed May 12, 2025.
      2. New York Department of Financial Services, “Re: Service Contracts.” Accessed May 12, 2025.

      Not sure how to choose?

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