Best Home Warranty Companies in New York (2024)

Our Picks: 5 Best Home Warranty Companies For new york Residents

After carefully evaluating a wide range of providers, we've identified the top 5 home warranty companies in New York. These companies offer reliable protection and peace of mind for Empire State homeowners, ensuring your home runs smoothly throughout the year.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Customizable plans to suit individual needs and budgets
Covers unknown pre-existing conditions
Special discounts to AHS members

Cons

Limited additional coverage options

Plans, Cost & Coverage

AHS offers three plans to homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. The premiums start at $59.99 per month, with two deductibles—$100 and $125. The systems and appliances under these plans are also capped at $5,000 and $4,000, respectively.

Take a look at the table below to learn more about the plans and pricing:

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$59.99	$59.99	$89.99
Cost at $100 Service Call Fee	$69.99	$89.99	$99.99

ShieldSilver

Provides coverage for 14 essential home systems
These include AC, heating, electrical, plumbing, faucets, ductwork, etc.
Suitable for NY homeowners seeking reliable protection for home systems

ShieldGold

covers 23 essential systems, along with kitchen and laundry appliances
Offers medium coverage for appliances, up to $2,000 per contract term
Considerable for homeowners looking for an appliance coverage plan

ShieldPlatinum

Covers all items from ShieldSilver and ShieldGold plan, including protection against roof leaks
It offers the maximum coverage for appliances, up to $4,000 per contract term
Ideal for NY people seeking a comprehensive home warranty coverage

Why We Picked It?

With years of operation and trusted by 2 million households, American Home Shield is a reputable company. They provide 24/7 customer support, ensuring homeowners receive prompt assistance as required, supported by a broad network of 17,000 proficient service technicians to swiftly handle repair needs.

Best For Add-ons

4.7 |

Excellent

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

60-day workmanship guarantee
Offers regular discounts
Provides a wide range of optional items

Cons

Lower coverage limits

Plans, Cost & Coverage

Liberty Home Guard offers three plans: Systems Guard, Appliance Guard, and Total Home Guard, starting at $49 monthly. A flat rate service fee of $90 is applied on each service visit.

Here’s how much LHG charges for each of its plans:

Plans	Monthly	Yearly
Appliance Guard	$49	$499
System Guard	$54	$549
Total Home Guard	$59	$599

Appliance Guard

Includes nine essential appliances, with pricing starting at $49
Protection available for kitchen appliances, garage door openers, and ceiling fans
Suitable for people wanting appliance coverage

Systems Guard

Covers six major home systems
Electrical and plumbing systems are capped at up to $500 per contract term
Considerable for NY homeowners looking for systems coverage under $55 per month

Total Plan

Combines coverage for both appliances and home systems
Offers comprehensive protection for a wide range of items in your home, starting at $59 per month

Why We Picked It?

Liberty Home Guard provides budget-friendly home warranty options beginning at $49.99, encompassing systems, appliances, or both. Backed by a vast network of over 10,000 certified technicians, they aim to deliver dependable service.

Known for its exceptionally favorable reviews, Liberty Home Guard can be an ideal choice for homeowners seeking basic to medium-level home warranty coverage.

Best For Affordable Coverage

3.8 |

Excellent

$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

Guarantees repair services
Provides two months free coverage
Responds same on the claims

Cons

Lower dollar limits for appliances

Plans, Cost & Coverage

Select Home Warranty offers three plans to homeowners: Bronze Care, Gold Care, and Platinum Care. The company prices the monthly plans between $44 and $47. Moreover, all the systems and appliances under SHW plans are capped at up to $2000 per contract term.

Here is a detailed analysis of SHW’s costs and plans:

	Bronze Care	Gold Care	Platinum Care
Cost/Month	$44.42	$44.42	$47.75
Cost/Annum	$479.99	$479.99	$524.99

Bronze Plan

Protects 8 major household appliances
Coverage available for refrigerator, oven, dishwasher, etc
Suitable for NY homeowners seeking home warranty appliance coverage under $45 per month

Gold Plan

Covers 6 essential home systems
Includes HVAC, water heater, plumbing, electrical, etc
Ideal for New Yorkers prioritizing exclusive system coverage

Platinum Plan

This is SHW’s comprehensive plan covering a total of 17 home items
Ideal for homeowners seeking comprehensive home warranty coverage under $50 per month

Why We Picked It?

Select Home Warranty is ideal for homeowners seeking affordable coverage plans tailored to their needs. With cost-effective options and added benefits like complimentary roof leak coverage, Select Home Warranty offers all customers comprehensive protection and peace of mind.

Best For Customer Services

3.3 |

Good

$200 Off + 2 Months Free*

Monthly Cost

$43 - $49

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

Offering discounts on all the plans
Service guaranteed for up to 90 days
Plans starting from less than $2/day

Cons

Lesser coverage caps

Plans, Cost & Coverage

ServicePlus has two plans– Gold and Platinum Plans. They are priced at $37/month and $43/month, respectively. The company offers a coverage limit of $1,500 per contract term for the home items covered under both plans.

Let’s find out more about SPHW plans and costs below.

	Gold Plan	Platinum Plan
Cost/Month	$37.46	$43.71
Cost/Annum	$349	$424

Gold Plan

Coverage available for 15 home systems and appliances
The plan includes items like heating, electrical, plumbing systems, and kitchen appliances
Suitable for homeowners looking for home warranty coverage for essential home items under $40/month

Platinum Plan

Coverage available for 20 home items
The plan includes everything from the Gold Plan along with heating, AC, refrigerator, washer, and dryer
Best-Suited for NY homeowners wanting a comprehensive coverage plan for their home items

Why We Picked It?

ServicePlus Home Warranty can be your go-to option for comprehensive coverage and prompt service, ensuring your home is protected against unexpected repair costs. With customizable plans and a network of skilled technicians, ServicePlus Home Warranty can deliver peace of mind.

Highly Rated By Customers

4.7 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

Offers a money-back guarantee
Provides a 90-day service guarantee
30-day free trial

Cons

Charges extra on weekend services

Plans, Cost & Coverage

There are three plans offered by Elite Home Warranty to homeowners: Elite Appliances, Elite Systems, and Elite Complete Plans. They are priced between $44 – $59 monthly. The company offers an aggregate coverage limit of up to $15,000 per contract term.

Let’s learn more about EHW’s plans and pricing:

	Elite Appliances	Elite Systems	Elite Complete
Cost at $70 Service Call Fee	$44.99	$49.99	$59.99

Elite Appliances

Protects eight home appliances
The plan covers dishwashers, refrigerators, garbage disposals, etc.
Suitable for NY homeowners seeking home appliance coverage

Elite Systems

This plan covers seven home systems
Protects systems like air conditioners, plumbing, electrical, water heaters, etc.
Ideal for homeowners seeking home systems coverage

Elite Complete

Covers everything from Elite Appliances & Elite Systems plans
Suitable for individuals seeking extensive coverage for home systems and appliances within an affordable budget of under $60 per month

Why We Picked It?

Elite Home Warranty offers comprehensive protection for a range of home appliances and systems, with plans starting at just $44 per month, providing homeowners with peace of mind. Moreover, the company offers unique benefits to homeowners, such as a money-back guarantee, regular discounts, etc., making EHW a budget-friendly option.

Is Home Warranty Plans Beneficial For New York Homeowners?

New York's diverse climate can challenge your home's systems and appliances. Home warranties offer protection against these challenges, covering repairs for:

Heating and air conditioning systems to maintain comfort year-round
Plumbing issues like burst pipes, leaks, and clogs caused by freeze-thaw cycles and heavy rain
Major appliance breakdowns, like those affecting refrigerators, dishwashers, and washing machines
Electrical problems in older homes

How Much Does A New York Home Warranty Cost?

Home warranty plans can offer valuable protection for New York residents, providing peace of mind and safeguarding your investment. Here's a breakdown of the typical costs and benefits associated with home warranties in New York:

Average Annual Cost

$450 - $850

Average Monthly Cost

$38 - $71

Average Service Fee (Deductible)

$60 - $100

The cost of a home warranty in New York can vary depending on several key factors:

Coverage Level Comprehensive plans (covering major systems and appliances) typically cost more than basic plans (covering essential systems only).
Deductible A higher deductible lowers monthly premiums but means paying more for repairs upfront.
Home Size & Age Larger and older homes often have higher premiums due to needing more maintenance and having a higher risk of breakdowns.
Location Areas with lower service provider availability might have slightly higher costs due to associated travel expenses.
Additional Coverage Optioning pool or well pump coverage increases the overall plan cost.

Home Warranty Coverage In New York

New York’s diverse climate and bustling urban areas place unique demands on your home’s systems and appliances. Home warranties can offer protection against unexpected repair costs for various essential components. Here’s a breakdown of what they typically cover in New York, highlighting state-specific concerns:

General Coverage Of New York Home Warranty

Essential Kitchen AppliancesIn New York, home warranty companies cover major appliances such as refrigerators, ovens, cooktops, dishwashers, and garbage disposals.
Heating & Air Conditioning (HVAC)This covers repairs for essential components like air conditioners, furnaces, and ductwork, ensuring your home stays comfortable year-round. It addresses both sweltering summers and frigid winters.
PlumbingRepairs for leaks, clogs, and malfunctions in pipes, faucets, toilets, and other plumbing fixtures, safeguarding your home from potential water damage, a major concern in densely populated areas like New York City.
ElectricalRepairs for wiring, outlets, switches, and breaker panels, ensuring the safety and functionality of your electrical system, especially crucial in older homes with potentially outdated wiring.
Freeze-Thaw CyclesDue to New York’s fluctuating temperatures, coverage for burst pipes caused by freeze-thaw cycles is often included. This can protect your home from potential water damage during winter.

Additional Coverage Options

Roof Leak CoverageThis can be particularly valuable in New York, where heavy rain and snowfall can strain roofs.
Sewer Line CoverageAddressing unexpected issues with sewer lines can be crucial, especially in urban areas with complex plumbing infrastructure.
Well Pump CoverageIf your property relies on a well for water, well pump coverage can be crucial for ensuring the functionality of your water system and avoiding unexpected repair costs.
Appliance Upgrade CoverageThis option might allow you to receive a brand-new appliance instead of a repaired one if the covered appliance reaches the end of its useful life, depending on the specific plan details.

Common Exclusions

Code Violations Repairs required to bring your home’s systems or appliances up to code compliance are typically not covered. This is especially relevant in New York City, which has stricter building codes.
Mold & Mildew Due to the potential for pre-existing conditions and the humid climate in some regions of New York, mold and mildew remediation might be excluded from the standard coverage.
Cosmetic Repairs Repairs that solely address the appearance of an appliance or system without impacting functionality are usually excluded.
Negligence Or Improper Maintenance Damage caused by negligence or failure to perform routine maintenance is typically not covered.

Who Regulates Home Warranty Companies In New York?

New York's primary agency regulating home warranty companies is the New York Department of Financial Services (DFS). They classify home warranties as insurance and oversee them accordingly. This means home warranty companies in New York need to:

Obtain a license from the DFS to operate in the state
File annual financial reports demonstrating their financial stability
Comply with consumer protection regulations set forth by the DFS

However, the regulatory landscape for home warranties in New York involves more than just the DFS. Here are some additional agencies that play a role:

National Home Service Contract Association (NHSCA) This non-profit industry association establishes a code of conduct for home warranty companies. While not a regulatory agency, adhering to the NHSCA code demonstrates a company's commitment to ethical practices.
New York Attorney General's Office Enforces consumer protection laws and has the authority to take action against companies, including home warranty providers, found to violate these laws in New York.

Final Word

In conclusion, these top home warranty companies in New York offer comprehensive coverage, reliable service, and peace of mind for homeowners. With customizable plans and trusted reputations, they stand out as excellent choices for protecting your home and budget in the Empire State.

Frequently Asked Questions (FAQs)

Are There Specific Considerations For New York Homes Due To The Climate?

New York’s climate, characterized by cold winters and varying temperatures, necessitates specific considerations for homeowners. Given the harsh winter conditions, comprehensive coverage for heating systems, plumbing, and appliances becomes crucial.

How Do I Cancel My Home Warranty Plan?

Review the contract terms to cancel your home warranty and contact the warranty company’s customer service. Provide necessary details, follow specified cancellation procedures, and confirm the cancellation in writing. Inquire about any refund eligibility and opt out of auto-renewal if applicable.

What Are The Common Home Repairs In New York?

In New York, common home repairs stem from the state’s varied climate and urban setting. Roof repairs address snowfall and storms, heating systems require winter maintenance, and plumbing issues, including frozen pipes, are prevalent.

Are Home Warranties Transferable?

Yes, home warranties are transferable in most cases, offering benefits to both sellers (increased appeal) and buyers (protection against repair costs). Remember to check the specific plan terms and communicate with the warranty company for a smooth transfer process.

Best Home Warranty Companies In new york 2024

Our Picks: 5 Best Home Warranty Companies For new york Residents

Is Home Warranty Plans Beneficial For New York Homeowners?

How Much Does A New York Home Warranty Cost?

Home Warranty Coverage In New York

General Coverage Of New York Home Warranty

Additional Coverage Options

Common Exclusions

Who Regulates Home Warranty Companies In New York?

Final Word

Frequently Asked Questions (FAQs)

Are There Specific Considerations For New York Homes Due To The Climate?

How Do I Cancel My Home Warranty Plan?

What Are The Common Home Repairs In New York?

Are Home Warranties Transferable?