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Best Home Warranties in New York

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    Author picture
    Written by Taylor Sansano
    Edited by Vincent Landino

    Our research team vetted 14 home warranty companies that are rated by more than 520 customers in New York. Read our guide to choose the best home warranty in New York for you by comparing plans, contract lengths and service fees.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 3,933,926 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Key Insights

    • Our top picks include Choice Home Warranty, Liberty Home Guard, American Home Shield and American Residential Warranty.
    • To find the best home warranty in New York for you, look for a company that covers your type of property and items that are critical in your area.
    • A home warranty in New York typically costs anywhere from $40 to $115 per month without add-ons or discounts.

    Our 4 New York home warranty picks

    Here are our favorite home warranty companies in New York, based on local reviews:

    Methodology

    To select our top picks, we started with the home warranty companies available in New York on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in New York, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

    Our top pick overall Choice Home Warranty AUTHORIZED PARTNER
    • Number of plans: 2
    • Contract length: 1 year
    • Service fee range: $85

    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 15,000 contractors in its network.

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

    Basic planTotal plan
    Monthly premium cost*$53.32$62.36
    Service call fee*$85$85
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-on
    Roof leak repairsAdd-onAdd-on
    Second refrigeratorAdd-onAdd-on
    Septic pumpAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-on
    Well pumpAdd-onAdd-on
    Basic plan$53.32$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Total plan$62.36$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Brooklyn at the time of publishing

    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,” wrote Carmine from South Farmingdale. “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.”

    Richard from Staten Island was also enthusiastic: “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.”

    Our pick for customer service Liberty Home Guard AUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: Up to 5 years
    • Service fee range: $125

    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.

    Appliance GuardSystems GuardTotal Home Guard
    Monthly premium cost*$69.99$74.99$79.99
    Service call fee*$125$125$125
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-onAdd-on
    Second refrigeratorAdd-onAdd-onAdd-on
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-onAdd-on
    Well pumpAdd-onAdd-onAdd-on
    Appliance Guard$69.99$125Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Systems Guard$74.99$125Add-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Total Home Guard$79.99$125Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Brooklyn at the time of publishing

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

    Check out these reviews from two Brooklynites:

    Georgia complimented LHG’s "caring and professional customer service,” writing that the experience was “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!"

    Douglas wrote, “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.”

    Out on Long Island, Oren from Huntington Station wrote that “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!”

    Our pick for fast service American Home Shield AUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: 1 year
    • Service fee range: $75, $100 or $125

    American Home Shield provides home service contracts that cover up to 23 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. However, because AHS doesn’t offer coverage in Brooklyn and several nearby areas, we based our quotes on a property in Yonkers to keep things as similar as possible.

    ShieldSilverShieldGoldShieldPlatinum
    Monthly premium cost*$69.99 to $84.99$79.99 to $94.99$99.99 to $114.99
    Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-on
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezer
    Well pumpAdd-onAdd-onAdd-on
    ShieldSilver$69.99 to $84.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldGold$79.99 to $94.99$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldPlatinum$99.99 to $114.99$75, $100 or $125Add-onAdd-onAdd-on

    *For a home in Yonkers at the time of publishing

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

    Roger from East Meadow wrote, “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.”

    Monique from Tarrytown had a bad experience with another unnamed home warranty company, but American Home Shield has been different: “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.”

    Our pick for short-term contracts American Residential Warranty AUTHORIZED PARTNER
    • Number of plans: 4
    • Contract length: Month to month
    • Service fee range: Varies

    American Residential Warranty offers a number of home warranty products, including bundles that combine home warranty plans with specialty coverage. You can make a claim by calling or visiting its website, and ARW will generally initiate service within 48 hours for nonemergency claims.

    One of American Residential Warranty’s standout features is its lack of long-term contracts, which means you don’t have to commit to a full year (or more) of coverage if you decide your home warranty isn’t necessary.

    We’ve compared this company’s home warranty plans based on select coverage items below. ARW isn’t offering quotes for its Heating & Cooling and Platinum plans at the time of publishing, but we’ve included them below because they may be available by the time you’re ready to buy.

    Kitchen plusHeating & coolingPlatinumPlatinum premier
    Monthly premium cost*$34.99N/AN/A$59.99
    Service call fee*VariesVariesVariesVaries
    Built-in microwavesAdd-on
    Clothes dryersAdd-onAdd-onAdd-onAdd-on
    Clothes washersAdd-onAdd-onAdd-onAdd-on
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    PlumbingAdd-onAdd-onAdd-on
    Water heatersAdd-on
    PoolsAdd-onAdd-onAdd-onAdd-on
    Roof leak repairs
    Second refrigeratorAdd-onAdd-onAdd-onAdd-on
    Septic pump
    Stand-alone freezer
    Well pumpAdd-onAdd-onAdd-onAdd-on
    Kitchen plus$34.99VariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Heating & coolingN/AVariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    PlatinumN/AVariesAdd-onAdd-onAdd-onAdd-onAdd-onAdd-on
    Platinum premier$59.99VariesAdd-onAdd-onAdd-onAdd-onAdd-on

    *At the time of publishing

    American Residential Warranty has strong enough reviews from New Yorkers to make it one of our top picks, but looking over the reviews reveals some interesting trends. While almost all of ARW’s 5-star reviews in New York compliment the company’s customer service, multiple reviewers mention having had bad customer service experiences with the company in the past.

    "I have spoken to your company many times before and was very disappointed with the explanations of my coverage, etc.,” wrote Dudy from Syracuse. However, one representative changed his mind: “I just want to say that Thomas was a very wonderful person. Explained everything where I understood clearly, perhaps for the first time since I’ve been with American home warranty. He is fantastic. If I could give him 100 stars I would.”

    MariJane from Clayville told a similar story in her review: “It had been three weeks, and I had still not heard from anyone. … I was finally able to speak with a gentleman named Arthur. He listened to my complaint and apologized for the inadequate customer service I have received. … He also stated that if I had any other problems, to call him and he would help make it right. I thanked him for his help and concern. He is the only reason I stayed and would recommend this company to anyone else.”

    Compare Top New York Home Warranty Companies

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      How to find the best home warranty in New York

      buffalo new york skyline

      Homeowners in New York face different issues, depending on whether they live upstate, in NYC or on Long Island. These discrepancies mean that you will likely have different home warranty needs based 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.

      The type of home you’re trying to cover also has an impact on your search. 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.

      Finally, consider any additional types of coverage you might need. If your brownstone has an elevator, getting a home warranty with comprehensive electrical coverage could make sense. If your condo has a hot tub, you might want to pay more for add-on coverage.

      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 a way that is “easy to read” and that clearly outlines important disclosures.

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

      • Limitations and exclusions: Service contracts must specify the services to be provided and any limitations, exceptions or exclusions from coverage.
      • Cancellation policies: Service contracts in New York, by law, can be canceled within 20 days of mailing the contract, or within 10 days if the contract is provided at the time of signing, for a full refund (as long as no claims have been made).

      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 their findings.

      New York home warranty FAQ

      How much does a home warranty cost in New York?
      Home warranty prices in New York vary considerably. Some are relatively affordable at $40 to $50 per month, but others cost considerably more than the national average at $60 to $115 per month, based on quotes from our top picks.

      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.

      Is a home warranty worth it in New York?
      It depends on how you end up using your home warranty 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, your view of its worth may be different. Regardless, many homeowners find that the peace of mind offered by a home warranty 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 that 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.

      Bottom line

      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. If you want to learn more about buying a home warranty, check out our home warranty buyers guide or our articles on home warranty costs and home warranty coverage.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. New York State Senate, “Chapter 28, Article 79: Service Contracts.” Accessed November 15, 2021.
      2. New York Department of Financial Services (DFS), “Re: Service Contracts.” Accessed November 15, 2021.

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