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6 best home warranty companies in New Rochelle, New York

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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Home warranties provide a financial buffer to fix or replace appliances that suddenly fail. For a monthly fee, these policies insure items like AC units and refrigerators when they malfunction from regular wear and tear.

Many key home systems break down before hitting the 10 to 15-year mark. HVAC systems typically last just seven to 25 years. The normal lifespan for water heaters is only six to 12 years, and most major appliances today fail after 20 years, according to the experts at the International Association of Certified Home Inspectors.

If your New Rochelle house contains any aging dishwashers, furnaces or other appliances, you'll likely face a surprise breakdown. These best home warranty providers offer robust coverage at reasonable prices.

New Rochelle's frequent rainfall can strain your home's roof and heating systems. We recommend a home warranty to limit the cost of an unforeseen home heating breakdown or roof leak. The companies below offer solid appliance and major system coverage and added perks.

Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
3.8
Our Rating
  • Charges low premiums
  • Includes roof-leak coverage
  • Offers solid HVAC coverage
Explore Plans

Find the best home warranty for you in New Rochelle

Here's our list of the best home warranty companies in New Rochelle:

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

Average monthly costs: $22.00 - $80.00

2-10 offers flexible service fees and perks like an appliance color-match program. Through its "Even If" guarantee, it also refunds service fees if repairing or replacing a covered item isn't possible.

What we like

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

What we don't like

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans
Liberty Home Guard

Liberty Home Guard

4.6/5

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

What we like

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 40+ add-on coverages
  • Provides an easy claims process

What we don't like

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Elite Home Warranty

Elite Home Warranty

4.4/5

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

  • Allows you to choose your technician
  • Extends a 90-day workmanship guarantee
  • Offers more than 25 add-ons

What we don't like

  • Charges higher service fees for high-end appliances
  • Doesn't provide an online quote
  • Limits repair and replacement coverage caps for older items
American Home Shield

American Home Shield

4.4/5

Average monthly costs: $29.99 - $89.99

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.

What we like

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay

What we don't like

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options
Cinch Home Services

Cinch Home Services

4.3/5

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

What we don't like

  • Charges high service fees of $100-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska
Select Home Warranty

Select Home Warranty

3.9/5

Average monthly costs: $44.42 - $47.75

Select Home Warranty pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

What we like

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

What we don't like

  • Has a $75 cancellation fee
  • Low coverage caps

Cost of a home warranty in New Rochelle

The cost of a home warranty is around the same as the national average, and it largely depends on how often you prefer to make payments. The national average is in the range of $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties cover various home appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll outline what's generally included in home warranty coverage and what isn't.

What are the typical items covered under a home warranty?

  • Washing machines
  • Clothes dryers
  • Built-in microwaves
  • Refrigerators
  • Cooktops
  • Dishwashers

Major appliances make up the first group of items that a home warranty provides coverage for. This includes the following items: The second category of protected items under a home warranty is major systems. Not every plan covers the same major systems. However, you can find coverage for any of these items:

  • Electrical
  • Central vacuum
  • HVAC
  • Water heater
  • Plumbing

What items are typically not covered under a home warranty?

Like other service contracts, home warranties won't cover certain appliances or components. These are called exclusions. One common exclusion is breakdowns caused by damage outside normal wear and tear. For example, the warranty would likely not cover an air conditioner malfunctioning due to a dirty air filter, since replacing the filter is a part of routine maintenance.

    Additionally, home warranties won't cover the following:
  • Rust or corrosion damage
  • Preexisting conditions
  • Acts of nature
  • Improper system or appliance installation
  • Hazardous waste
  • Cosmetic damage

Questions to ask home warranty providers in New Rochelle

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items are covered by my policy?

First, determine what items need coverage before requesting a home warranty quote. Some providers separate appliance and system coverage, so verify that the company has plans to meet your particular needs. Many companies also sell optional add-ons, covering things like wells and roof leaks. Consider whether any add-ons fit your situation.

How long is my home warranty good for?

Generally, home warranty contracts last for one year after the coverage effective date, which is 30 days after the initial sign-up date. Companies have this 30-day waiting period to prevent customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

What contractors do you work with?

Be sure to ask about the warranty company's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might let you choose your own. You can verify a contractor's license by searching your local or county government database.

How does your claims approval process work?

Understanding the way a company’s claims process works can be the difference between claim approval and denial. Home warranty providers typically accept claims via their website or a round-the-clock support line. Typical response times are within one to two days of filing, though there may be processing delays if you file a claim outside normal business hours. If the home warranty company grants initial approval to your claim, they'll match you with a service contractor from their network. The contractor will schedule a consultation with you to examine the appliance firsthand. Once they get final approval from the warranty company, they'll do the repair work and manage billing on your behalf.

Can I transfer my policy to the next owner of my home?

Most home warranty providers allow you to transfer your policy to a new person who moves into the home the policy covers. Generally, transferring a home warranty policy to a new homeowner is free of charge, although some companies levy a transfer fee to offset administrative costs. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are readily transferable to buyers.

Home warranty contract fine print

Before you select a home warranty, carefully read its terms and conditions to ensure they're compatible with your needs. As you read through the sample contract, focus on these key details and clauses:

  • Exclusions: Pay particular attention to the exclusions a company lists in its fine print. For example, most home warranty sample contracts detail component exclusions for each item under coverage.
  • Cancellation: Each home warranty company has a cancellation policy in its fine print. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.
  • Coverage limit: The coverage limit sets a dollar limit to how much the home warranty company will pay per repair. There may be further stipulations, such as an annual coverage limit.
  • Workmanship guarantee: The workmanship guarantee is the time during which the home warranty company will not charge additional service call fees for a repair if an in-network technician has recently tried to fix the item. The industry standard is 30 days, although some companies offer longer workmanship guarantees.
  • Service call fee: The service call fee is how much you'll pay the home warranty company or service provider for every claim. Fees typically range from $75–$125 per claim.

Facts about New Rochelle

Average High in July
81°F
New Rochelle
83°F
National Average
Average Low in January
23°F
New Rochelle
17°F
National Average
Average Daily Sunlight
63%
New Rochelle
69%
National Average
Our Top Pick
Provider logo
4.5
Our Rating
  • Extends 60-day workmanship guarantee
  • Holds high customer ratings
  • Offers customization with 38 add-ons
Explore Plans
Provider logo
4.4
Our Rating
  • Covers rust and corrosion damage
  • Offers comprehensive coverage limits
  • Provides flexible service fees
$150 Off Any Plan
Explore Plans
Provider logo
3.8
Our Rating
  • Charges low premiums
  • Includes roof-leak coverage
  • Offers solid HVAC coverage
Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Contact us at feedback@homefront.usatoday.com if you have questions or feedback on this article

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. Go back to top

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