Our top recommendation for New York residents is Liberty Home Guard because it provides competitive pricing, solid coverage caps and a wide range of additional coverage options. If you prefer more robust system and appliance protection, we recommend American Home Shield.
Your home’s major appliances and systems require routine maintenance to ensure they last. However, these items can still break down even with regular upkeep. With a reputable home warranty, you can worry less about the financial implications of these breakdowns.
Top home warranties
Our team compared more than a dozen home warranty providers and chose the companies offering the highest number of standard coverage options for our New York recommendations. Check out our list of the best home warranty companies in New York.
- Liberty Home Guard: Our top pick
- 2-10 Home Buyers Warranty
- American Home Shield
- Elite Home Warranty
- Cinch Home Services
Compare top home warranties
Your coverage needs are unique, meaning certain home warranty providers may better suit you than others. For example, American Home Shield is a better choice than Liberty Home Guard if you want larger payouts for home items. However, due to its extensive list of add-ons, Liberty Home Guard works well if you own unique items.
In the comparison table below, we gathered pricing information by requesting quotes across all 50 states and calculating a national average for all featured companies. We used a 2,000-square-foot, single-family home in each state to obtain our quotes. Your pricing will vary based on your home’s size, location and coverage needs.
Our best New York home warranty recommendations
The three companies below are our top picks for scope of coverage and peace of mind. Each company features solid coverage caps and customizable protection.
When collecting quotes from home warranty providers in New York, we based them on a 1,749-square-foot, single-family home in Port Jefferson Station. However, pricing will vary based on your home’s location and coverage needs.
Other good home warranty companies in New York
The home warranty companies listed below didn’t make our top three list due to fewer standard convenience features and higher service call fees. However, these companies are still worth checking out if you need total home protection or coverage for unique items.
What do you need to know about New York home warranties?
Before buying a home warranty, consider the major systems or appliances you use regularly. Also, keep in mind which items are near the end of their life cycle.
According to the International Association of Certified Home Inspectors, most appliances last between five and 20 years. It’s important to consider which coverage options you need to ensure you choose the right home warranty company.
Home warranty cost in New York
In New York, the average cost of a home warranty is $67 monthly or $806 annually. Note that your ZIP code, home size and plan choices affect your home warranty cost. Therefore, we suggest obtaining a custom quote from the home warranty companies listed in this article.
The table below displays the average premium costs for eight popular home warranty companies.
Company | Average monthly premium | Average annual premium |
---|---|---|
2-10 Home Buyers Warranty | $41 | $492 |
Select Home Warranty | $46 | $546 |
Choice Home Warranty | $55 | $652 |
Liberty Home Guard | $55 | $660 |
ARW Home | $64 | $764 |
Cinch Home Services | $81 | $976 |
AFC Home Warranty | $88 | $1,059 |
American Home Shield | $108 | $1,296 |
State Average | $67 | $806 |
New York-specific coverage needs
Heating and cooling account for 27% of New York households’ total electricity consumption, according to the United States Energy Information Administration’s 2020 survey on electricity consumption by state.
Your home’s HVAC systems are crucial for your comfort and safety during the summer and winter. Since these systems tend to be used throughout the year, it’s likely they’ll break down at some point.
Therefore, we advise you to consider a home warranty with a minimum $2,000 coverage cap for heating and cooling systems.
Common red flags
Generally, many home warranty companies are reputable and will repair or replace your broken system or appliance when you file a claim. However, you should avoid certain companies based on several factors.
When researching a company, note if its website or sample contract features vague language. Speak with the company’s sales representatives. See if they answer your questions thoroughly or if they provide generic responses.
Another way to discover a company’s potential red flags is to read customer ratings on websites such as BBB, Google Reviews and Trustpilot. Common customer complaints to look for are arbitrary rate increases, confusing coverage terms and delayed communication.
Understand home warranty sample contracts
To lower the chances of an unexpected claim denial, we recommend reading your provider’s sample contract. Many customers typically overlook this crucial step. All home warranty companies include coverage limitations and exclusions within their contracts, and a claim denial may shock you if you are unaware of these stipulations.
Below are sample contract sections to pay particular attention to:
The covered items and coverage limits section highlights the items a company covers plus the dollar amount it’ll pay for a repair or replacement.
The limits of liability are conditions that void coverage for a particular item, situation or condition. For instance, providers won’t cover items with preexisting conditions or mold damage.
The cancellation policy is typically at the end of the sample contract. Generally, providers list how they process cancellations and give instructions to cancel your plan successfully.
Are home warranties regulated in New York?
New York’s Department of Financial Services (DFS) supervises the enforcement of regulatory oversight on home warranty companies.
Home warranty companies must fulfill several requirements before legally selling service contracts in New York, according to New York State’s Insurance Code Article 79, section 7903. For example, companies must pair their service contract sale with a sample contract clearly outlining all its terms and conditions.
The DFS also offers consumer protections, such as an online complaint form, in case you experience a problem with your home warranty provider.
Final take: Liberty Home Guard is the pick of the bunch due to its coverage limits and HVAC coverage
Due to the vast number of home warranty companies available, knowing which provider to choose can be challenging. We give our overall recommendation to Liberty Home Guard because of its coverage limits and HVAC coverage. We also recommend 2-10 Home Buyers because it features unique add-ons, numerous coverage perks and budget-friendly premiums.
Whenever you’re shopping for a home warranty provider, you should a quote from a minimum of three providers to compare coverage options and pricing.
Our rating methodology for home warranty companies
We research and rate home warranty providers to help you choose the right one for your budget and home. Our research includes gathering customer insights via consumer surveys, interviewing industry experts, secret shopping all of the companies we review and analyzing customer reviews from third-party review sites such as Trustpilot and BBB.
We compare home warranty providers across the following five categories:
- Coverage plans and extra features
- Coverage limits
- Price
- Reputation
- Customer service
Read our full home warranty company methodology for more information.
Best home warranty company in major New York cities
BBB reviews are accurate as of April 2024.
Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics.
Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information.
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