Our team selected American Home Shield as the top home warranty provider in New York for its comprehensive coverage and high limits on major home systems. Choice Home Warranty also stands out for its strong coverage limits and affordable pricing. Our team identified the best options for New York homeowners by researching 13 major home warranty providers.
Home warranty plans help protect against unexpected repair costs by covering essential home systems and appliances that fail due to everyday use. This can especially offer value in New York, where harsh winters and humid summers can put extra strain on heating, cooling, and other essential systems. Read on to discover our top picks for the best home warranty companies in New York.
Key Takeaways
- We named American Home Shield as the best New York home warranty, aligning with our 2025 survey results, which showed that 37% of state residents chose the company.
- A home warranty costs an average of $766–$1,029 annually, or $65–$88 per month in New York, depending on your provider and coverage.
- Our survey of 2,000 home warranty users nationwide found that 40% of New York homeowners prioritized their heating or furnace systems coverage.
Top Home Warranty Companies in New York
We’ve listed our complete list of New York home warranty companies below:
- American Home Shield: Best for Comprehensive Cverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
Compare New York Home Warranty Companies
The table below compares key factors about the top home warranty companies in New York, including Better Business Bureau (BBB) ratings, monthly costs, and service fees, which you owe for each repair visit.
| Company | Logo | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|---|
American Home ShieldGet Quote |  | B | $36–$100 | $100–$125 | |
Choice Home WarrantyGet Quote |  | B | $60–$68 | $100 | |
Elite Home WarrantyGet Quote |  | B | $45–$60 | $70 ($150 for after hours and weekends) | |
AFC Home WarrantyGet Quote |  | B | $44–$82 | $75–$125 | |
Liberty Home GuardGet Quote |  | NR | $57–$68 | $65–$125 |
Note: Pricing in this table reflects average costs from sample quotes for single-family homes under and over 5,000 square feet across all 50 U.S. states. Your monthly premium may vary based on home size, type, location, plan, and add-ons.
BBB ratings are accurate as of March 2025.
How Much Does a Home Warranty Cost in New York?
A home warranty costs an average of $65–$88 per month in New York, or $766–$1,029 annually. These costs are higher than the national average home warranty pricing, which is closer to $47–$82 per month. Several factors affect home warranty coverage costs, such as home size, location, and plan options.
We’ve highlighted a few factors that can impact your final costs:
- Coverage options: What your home warranty covers is the most significant contributor to overall cost. Based on hundreds of quotes we’ve pulled from dozens of home warranty companies, we’ve found that providers offering more comprehensive coverage have higher premiums than those with specialized plans. For example, a plan covering your home’s systems and appliances typically costs more than systems-only coverage. We recommend assessing your coverage needs to select the best option for your home. Avoid buying coverage beyond your immediate needs so you don’t overpay.
- Home age: Older homes, appliances, and systems can experience more breakdowns and may have preexisting conditions and damage. Look for home warranty companies offering generous coverage limits for essential items and preexisting conditions—such as American Home Shield. Choosing a company with low coverage limits means you may incur more out-of-pocket repair and replacement costs.
- Location: If you live in a metropolitan area, such as New York City, you’ll typically pay more for a home warranty plan than someone living upstate. We’ve found that contractors charge more for services in metropolitan areas, and home warranty companies offset these higher costs by charging higher premiums. Get sample quotes from multiple home warranty providers and compare premium costs and service fees to find the best deal.
Is a Home Warranty Worth It in New York?
Home warranties offer New York homeowners more protection against unexpected breakdowns and repairs throughout the year. During winter, New York temperatures drop as low as 28 degrees Fahrenheit and cover the state in rain, sleet, and several inches of snow. These frigid conditions can take their toll on heating systems and pipes. Home warranties reduce those unexpected costs and get your home running again in less time.
Summer months bring high temperatures and humid conditions, causing around 88% of the population to rely on an air conditioning system. If either of these systems breaks down, you’re left to deal with these extreme weather conditions with no protection.
What Does a New York Home Warranty Cover?
We recommend reading sample home warranty contacts from each provider before making a final decision. These contracts on each company’s site include information on plan structures, exclusions, inclusion, and add-on options. Exclusions are systems, appliances, or specific parts not covered within plans. Understanding each plan’s layout and details helps determine your best choice. Premium plans usually carry the most inclusion and less exclusions than lower-end plans.
Common Inclusions
- Air conditioning
- Clothes dryers
- Clothes washers
- Dishwashers
- Ductwork
- Heating
- Plumbing
- Refrigerators
- Water heater
Common Exclusions
- Acts of nature
- Commercial grade equipment
- Cosmetic damage
- Damage caused by misuse, abuse, or improper installation
- Electronic devices
- Flues, vents, chimneys, and other exhaust lines
- Gas, smoke, or leak detection system (radon, carbon monoxide, etc.)
- General maintenance and upkeep
- Inaccessible Items
- Known or unknown preexisting conditions
- Luxury items
- Smart home systems
Common Add-ons
- Lawn sprinkler system
- Lighting fixtures
- Pools
- Roof leak
- Septic system
- Sump pump
- Water softener
- Plumbing fixtures
- Swamp cooler
- Trash compactor
Our Home Warranty Research Process
New York Home Warranty Reviews
Below, we’ll take a closer look at each of our top home warranty providers in New York:
American Home Shield
Pros and Cons
Pros
- Covers items with preexisting conditions and physical damage
- Includes roof-leak coverage with its highest plan
- Offers heating and cooling coverage with its standard plans
Cons
- Doesn’t include an annual premium option
- Offers less coverage flexibility than most providers, with only a few add-on options
Company Overview
We recommend American Home Shield (AHS) for New York homeowners with older homes and systems. The company offers comprehensive coverage for essential systems, such as plumbing and heating, and protects items with preexisting conditions.
We reviewed the American Home Shield sample contract and learned that every plan includes a $5,000 heating coverage cap. Only ShieldPlatinum includes roof-leak coverage, but you can opt for add-on coverage with the other two plans. It’s one of the few companies to cover items with preexisting conditions and physical damage, such as rust and corrosion. AHS makes an excellent choice for New Yorkers with older homes and systems. All plans include a 30-day workmanship guarantee.
Note: American Home Shield does not service New York City.
Plans and Cost
We’ll explain American Home Shield’s plans below:
- ShieldSilver ($72 per month): This plan includes major home systems, such as your electrical, heating, and cooling systems. Covered items receive a $5,000 coverage cap.
- ShieldGold ($92 per month): The next plan tier includes ShieldSilver coverage and adds appliance protections, such as toilets and ovens. You receive a $5,000 system cap and $2,000 for appliances.
- ShieldPlatinum ($122 per month): The highest comprehensive coverage includes ShieldGold coverage plus added perks, such as HVAC tune-up and air filter discounts. Appliance coverage doubles to $4,000.
You can choose between a service call fee of $100 or $125. When pulling sample quotes, we discovered that choosing a higher service fee results in lower monthly premiums. All plans include a 30-day workmanship guarantee. Most home warranty providers offer monthly and annual premiums, but AHS offers only monthly options.
American Home Shield offers only six add-on options, considerably less than other providers. For $10 monthly, you can add roof-leak coverage to the ShieldSilver and ShieldGold plans.
Additional add-on options include the following items:
- Electronics protection plan
- Guest unit
- Pool and spa
- Septic pump
- Well pump
Our Experience With American Home Shield
One of our team members had AHS coverage and tested the claims process to repair a leaky bathroom pipe. Here’s an overview of his experience:
- He filed an online claim and received a text and email confirmation after submission.
- A service contractor contacted him five minutes after the confirmation.
- AHS sent a technician from its preapproved networks of contractors. He could not choose his technician.
- He received a next-day service appointment and resolved the repair in under two hours.
- Our team member only paid the service call fee.
Pros and Cons
Pros
- Includes a $3,000 coverage cap for most items
- Offers a 90-day guarantee for parts and 60 days for labor
- Provides affordable comprehensive plans for less than $70 per month
Cons
- Excludes some key items from its lowest-tier plan
- Has an ongoing lawsuit with the Arizona Attorney General’s office
Company Overview
We recommend Choice Home Warranty for New York homeowners who need affordable appliance and system protection with solid coverage limits. The company’s plans cost less than $70 and include $3,000 caps for most items, providing enough coverage to help offset expensive repairs.
After reviewing the Choice Home Warranty sample contract, we found the company offers just two plans—fewer than many competitors offering at least three. However, both options bundle coverage for major home systems and appliances, making Choice Home Warranty a straightforward choice for homeowners seeking broad protection without sorting through multiple plan tiers. If you need specialized coverage, such as for high-end appliances or unique home systems, you may need to consider another provider. Still, Choice Home Warranty could offer a solid option for those looking for comprehensive, whole-home coverage at a more budget-friendly rate.
Plans and Pricing
Here’s an overview of Choice Home Warranty’s plans:
- Basic Plan ($64 per month): This plan covers 14 systems and appliances, such as built-in microwaves, heating, and garbage disposals.
- Total Plan ($73 per month): The highest plan tier explans coverage to 18 items, including air conditiodning, laundry appliances, and refrigerators.
Choice Home Warranty offers monthly and annual premium options. However, the company charges a $2.50 fee for monthly billing. Choice offers a standard $100 service call fee with its plans, which differs from other providers that offer flexible fee options that can help lower your monthly costs.
Choice’s add-on catalog includes 10 options, which is average for a home warranty provider. Prices range between $3 and $15 per month. Add-on protection options include the following items:
- Central vacuum
- Limited roof leak coverage
- Pools and spas
- Septic system
- Standalone freezer
Our Experience With Choice Home Warranty
Our Choice Home Warranty tester has had mixed experiences with the company. She has filed several claims and experienced varying timelines for technician assignments and repairs. For example, her broken air conditioning was fixed in a single service appointment, but a refrigerator and freezer issue required three appointments with different technicians. Overall, she found the technician assignments inconsistent, with some scheduled within a day and others taking up to a month.
Pros and Cons
Pros
- Backs repairs with a 90-day workmanship guarantee
- Offers over 30 add-ons for better coverage customization
- Provides three pre-made plans plus a fully customizable option
Cons
- Charges a higher $150 service call fee for certain repairs, including weekend visits
- Excludes out-of-network repair technicians from its workmanship guarantee
Company Overview
We recommend Elite Home Warranty for New York homeowners who want more control over their coverage. The company offers three specialized plans for appliances, systems, or both, plus a fully customizable option you can build from scratch.
After reviewing the Elite Home Warranty sample contract, we found that coverage limits vary by item. Appliances have caps ranging from $250–$3,000, while systems range from $250–$5,000. Plans include a 90-day repair workmanship guarantee, which only applies to in-network technicians. If you choose your own repair technician, the guarantee does not apply.
Plans and Pricing
Here are more details about Elite Home Warranty’s plans:
- Elite Appliances ($45 per month): This plan includes eight home appliances, including dishwasher, ovens, and refrigerators.
- Elite Systems ($50 per month): This system-only plan covers nine major items, including plumbing, electrical, and HVAC systems.
- Elite Complete ($60 per month): This plan combines the coverage of Elite Appliances and Elite Systems offering combined protection.
Elite Home Warranty offers both monthly and annual premium options. While the company charges a $70 service call fee for most repairs, it applies a higher $150 fee for certain repairs, including after-hours and weekend service calls. This higher fee also applies to repair visits for specific add-ons and high-end appliances.
Elite offers over 30 add-on options, the second-largest catalog in this review. However, Elite doesn’t disclose its pricing information online. Instead, you must call to get customized quotes for its rates.
Here’s a sample of Elite’s add-on option:
- Central vacuum
- Ejector pump
- Generator
- HVAC annual maintenance
- Wine cooler
Our Experience With Elite Home Warranty
Our Elite Home Warranty tester submitted an online claim for a high-end dishwasher repair. The process was straightforward, and within 30 minutes, a claims specialist reached out to schedule a next-day appointment, switching to email communication per the tester’s preference. The technician arrived as scheduled but needed to order out-of-stock parts. After returning the following Monday, the repair was completed in under an hour. Despite the brief delay, our tester was satisfied with the service.
Pros and Cons
Pros
- Includes an unlimited workmanship guarantee with every repair
- Offers free roof-leak protection
- Provides unlimited caps for HVAC and plumbing systems
Cons
- Includes a depreciated value policy for items five years or older
- Requires immediate claims submissions after noticing a system or appliance problem
Company Overview
We recommend AFC Home Warranty for New York homeowners that need unrestricted system coverage and plan-length guarantees. The company offers unlimited HVAC and plumbing protection, multiple plans, and fees for easy customization.
After reviewing the AFC Home Warranty sample contract, we learned that HVAC and plumbing systems have an unlimited coverage cap. We also discovered that AFC Home Warranty covers up to $3,000 for appliances but includes depreciation value in its payouts. The company pays based on the item’s depreciated value if it’s five years or older. All repairs and replacements include a plan-length workmanship guarantee. AFC Home Warranty plans work best for New York homes with new systems and appliances.
Plans and Pricing
Here’s an overview of each plan offered by AFC Home Warranty:
- Silver Plan (call for a quote): This coverage plan includes nine standard home appliances, such as cooktops and kitchen refrigerators.
- Systems Plan ($44 per month): This plan provides coverage for nine appliances and six major home systems, including air conditioning and plumbing systems.
- Platinum Plan ($51 per month): This option includes 20 home systems and appliances, such as plumbing stoppages and faucets.
- Diamond Plan ($82 per month): This is the highest plan tier, which includes the previous plans and adds coverage for electronics and exterior sewer and water lines.
AFC Home Warranty includes annual and monthly premiums. You receive a $100 annual discount if you choose a yearly payment plan and $250 for a three-year option.
AFC Home Warranty provides eight different add-on options, with pricing starting at $25 per year. You can add roof leak protection to any plan at no additional cost.
Some additional add-on options include the following items:
- Electronics
- In-ground pools and spas
- Septic systems
- Sump pumps
- Well pumps
Our Experience With AFC Home Warranty
Our AFC Home Warranty tester filed a claim for a running toilet, finding the online process quick and easy. While the frequent phone and text communications were a bit overwhelming, she was impressed that the company found a contractor in her rural area. The first contractor’s repair didn’t resolve the issue, but a second contractor fixed it promptly. The problem took about one-and-a-half weeks to resolve, and the tester didn’t incur any costs for the second visit.
Pros and Cons
Pros
- Includes coverage for two air conditioning units
- Offers a 60-day workmanship guarantee
- Provides HVAC and plumbing coverage under two plans
Cons
- Doesn’t allow plan price or service call fee customization
- Lacks transparency about service call fees during the quote process
- Offers roof-leak coverage as an add-on only
Company Overview
We recommend Liberty Home Guard (LHG) for New York homes that need coverage for multiple AC units and limited plumbing protection. The company provides 42 add-on options, such as roof leak protection, professional-grade appliances, and sump pumps.
When our team read through the Liberty Home Guard sample contract, we learned that most items receive a $2,000 cap, but plumbing and electrical systems have a $500 limit. The company does offer roof-leak coverage. However, it requires an add-on feature. When we spoke to an LHG representative about its service call fee policy, she explained that fees vary based on your plan choice, add-ons, and location. Most home warranty companies offer one or more standard call fees.
Plans and Cost
Here’s a list of LHG’s plans and coverage details:
- Appliance Guard ($57 per month): This appliance-only plan includes nine major appliances, such as clothes washers and dryers. Each item receives a $2,000 coverage limit.
- Systems Guard ($62 per month): The next plan protects six built-in systems, such as air conditioning, heating, and ductwork. Most systems receive a $2,000 limit, but plumbing and electrical receive a $500 cap.
- Total Home Guard ($68 per month): This plan combines the two basic plan coverages into one comprehensive plan.
LHG offers monthly and annual premium options. Per our research, LHG offers two additional coverage months if you sign up for an annual plan.
Plans include up to 42 options, such as pest control, rekey service, gutter cleaning, floor cleaning, and generator coverage. Pricing ranges from $3–$36 per month. Roof-leak coverage will cost $12 per month. When we used the online quote tool, Liberty Home Guard included add-on recommendations based on other area-wide homeowners. Below are the most popular options for New York:
- Additional spa
- Limited roof-leak coverage
- Pool and spa
- Septic system pumping
- Sump pump
Our Experience With Liberty Home Guard
We tried each of Liberty Home Guard’s customer support methods to determine the most efficient options. We’ve summarized our results below:
- Calls to the LHG support line connect in under 60 seconds. Agents offered detailed explanations about plans and policies.
- The live chat uses automated bot messages and live agents to answer general questions.
- LHG offers three claims processing methods: online portal, customer support line, and mobile app.
Which Home Warranty Companies Didn’t Make the List?
We looked at most home warranty companies in New York for this review. Unfortunately, some companies didn’t measure up to those on this list and were excluded. We left some companies out due to dishonest business practices and poor performance, such as American Home Guard.
However, most companies were excluded because they had higher premiums, less robust coverage, or lower coverage caps. While these companies aren’t the best overall choice, they can be helpful for homeowners in specific situations. Here are some companies that almost made this list:
Cinch Home Services
Cinch Home Services is a decent company but came up short compared to every other option on this list. The biggest deciding factor was Cinch’s lack of roof leak coverage. Roof-leak coverage is especially important in rainy states such as New Jersey. Most home warranty companies offer roof-leak coverage, even if it’s relegated to an add-on option. It does provide coverage for rust and corrosion and is a decent option for homeowners with metal roofs, steel gutters, or other metal exterior fixtures.
ARW Home Warranty
ARW Home Warranty was excluded due to its limited coverage across all plans. Its two basic plans cover eight and seven items, respectively. Its premium plan includes the contents of the other two but offers less than the industry standard. ARW also offers fewer add-ons than most other companies. We recommend ARW for homeowners with older items or systems since it doesn’t impose item age limits across plans.
How To Choose a Home Warranty in New York
Consider the following factors before buying a home warranty for your New York home:
- Check coverage caps: Find out how much a provider will pay for an appliance or system repair. Avoid companies that only cover the repair value of covered items, as many companies cover both the repair and replacement value.
- Read the fine print: Read the sample contract of each home warranty company you’re considering. Compare the contract terms of each company and select the one that offers the best coverage.
- Verify company reputation: Thoroughly research a company’s reputation. Read online customer reviews for insight into how it handles customer service requests. Also, confirm the company holds the necessary licenses to operate in New York.
How Does New York Regulate Home Warranties?
New York’s Department of Financial Services (DFS) regulates home warranty companies and service contracts. Unlike some states, New York classifies home warranties as insurance. According to Insurance Chapter 28, home warranty companies must provide annual financial reports to the DFS to ensure their financial well-being.
If you are involved in a contractual dispute with your home warranty company, you can fill out a complaint form with the DFS.
In addition to government oversight, industry associations regulate home warranties. For example, the Service Contract Industry Council (SCIC) creates regulatory legislation alongside state lawmakers. These regulations center on consumer protection.
Other Resources for Residents in New York
- What To Know About Furnace Replacement
- Best Solar Companies in New York
- Best Moving Companies in New York
FAQs About Home Warranties in New York
What is the best home warranty company in New York?
We consider American Home Shield as the best home warranty company in New York.
Is a home warranty required in New York?
No, while a home warranty helps save homeowners money on repairs and upkeep, they are not required in New York.
How much is a home warranty in New York?
The average price for a home warranty in New York is 65–$88 per month or $766–$1,029 annually.
Can I purchase a home warranty for an older home in New York?
Yes, you can purchase a home warranty for a home at any point. However, older homes, systems, and appliances can have higher premiums and service fees and may be excluded under certain plans.
Our Rating Methodology
We used a detailed rating methodology to objectively score each home warranty company we reviewed. Our research involved speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and homeowner surveys. We also conducted secret shopping and tested the sign-up and claims process of 11 leading home warranty providers.
We evaluated each provider across six key categories deemed most important when selecting a home warranty. Each provider was assigned points within these categories based on their relevance to homeowners, with a possible total of 100 points. The final scores were then converted into a 5-star rating.
Here’s a breakdown of our weighted factors:
- Coverage: This category evaluated the comprehensiveness of each provider’s coverage, including plans with any unique items. We awarded higher scores to companies that cover more items and have higher annual limits. Providers with long waiting periods or depreciation policies that reduce payouts for aging items lost points.
- Cost: We reviewed average monthly prices and service call fees. Companies offering pricing at or below the industry average without extra fees earned the most points.
- Trustworthiness: We assessed customer ratings on sites like the BBB and Trustpilot, including company responses to complaints. Providers with strong ratings and long workmanship guarantees received higher scores. We deducted points for any ongoing legal issues.
- Plan transparency: We examined contract terms, policies, and disclosures. Providers with clear, transparent details earned higher scores.
- Customer support: We considered the number of claims filing options, response times, and accessibility of customer support.
- Flexibility: We gave higher scores to providers offering more plan options, larger add-on catalogs, the ability to choose your own technician, and customer-friendly cancellation policies.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.
