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6 best home warranty companies in Queens, New York

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

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Consider a home warranty to financially protect your home's essential items. These policies cover the replacement or repair of major household systems and appliances, like air conditioners and refrigerators, for a monthly fee.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Queens home contains aging dishwashers, furnaces or other appliances, you'll probably encounter an untimely failure. These highly rated home warranty firms offer robust coverage at fair prices.

Appliance breakdowns due to normal wear and tear aren't covered under homeowners insurance, so having a home warranty can give you an additional safeguard against the unexpected. We've done the research to determine what home warranty firms have the best major appliance and system coverage.

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
Limited Time Offer: 50% Off
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 Queens

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

2-10 Home Buyers Warranty

2-10 Home Buyers Warranty

4.5/5

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees if your covered item can't be fixed or replaced.

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 lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

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

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional 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 has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your premium.

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

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

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 Queens

You'll usually pay $41-$70 per month for a home warranty in Queens, on par with the national average. Opting for annual payments means paying somewhere around $563.62-$927.48 for the year. To find the average home warranty plan cost, we requested hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

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

What are the typical items covered under a home warranty?

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

The first category of items a home warranty covers is kitchen items and outdoor appliances. This includes the following: The second coverage category is major systems, which frequently consist of the following:

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

What items are typically not covered under a home warranty?

As with many other service contracts, home warranties won't cover certain components or appliances. These are called exclusions. A common exclusion is breakdowns caused by damage outside of normal wear and tear. For example, home warranties will likely not cover an air conditioner breakdown caused by a dirty air filter. This is because replacing the filter is part of routine maintenance. Home warranties also don't cover rust or corrosion damage, improper system or appliance installation, acts of nature, hazardous waste, cosmetic damage and preexisting conditions.

Questions to ask home warranty providers in Queens

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items are covered by my policy?

Make a list of the appliances and systems you need covered before getting home warranty quotes. This way, you can seek out a provider that includes them. Some providers separate appliance and system coverage. Most home warranty companies also sell optional add-ons for things like roof leaks and lawn sprinkler systems. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

Standard home warranty contracts last for 12 months from the coverage effective date, which is usually 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?

When you're researching home warranty providers, be sure to ask about which service contractors they use. Each repair team must follow specific licensing requirements and standards to get repair approval from the warranty company. If there are no partner contractors in your area, the warranty terms might allow you to pick your own repair company. You can verify a contractor's license by searching your local or county government database.

How does your claims approval process work?

Knowing more about the home warranty company's claims process boosts your chances of getting a claim approved. Most companies accept claims through the web or via a 24/7 phone line. Once you file, the company will try to respond within one to two days. Filing outside normal business hours may lead to processing delays. After you file your claim, a staff member will review it and connect you with a networked repair service. The contractor's team will schedule a meeting with you to inspect the issue and diagnose the problem. Once the company grants final approval, the contractor can begin the repair work.

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

Most home warranty companies will let you transfer your policy to a new homeowner if you need to move. Sometimes, transfers will be free, and other times, the company will levy a transfer fee for the service. Home warranty companies might also sell separate, special coverage plans that you can easily transfer to prospective homebuyers. Sellers can purchase these plans to enhance their home's appeal in a competitive market.

Home warranty contract fine print

Before finalizing a home warranty, we strongly recommend reading a sample contract. Learning more about the company's terms and conditions will help you make an informed decision. It'll also help you be a better advocate for yourself if you need to file a claim. Look for these key terms and clauses in your research:

  • Exclusions: Be sure to familiarize yourself with component-specific exclusions in the home warranty company's sample contracts. Some parts of an appliance may be excluded even if the appliance itself is typically included under the policy.
  • Coverage limit: Each home warranty has a coverage limit that stipulates how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.
  • 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.
  • Workmanship guarantee: Home warranties typically offer workmanship guarantees that are at least 30 days long. If an in-network technician attempted to repair your appliance or system, and you keep experiencing issues with it, the company will not charge an additional service call fee for new repairs.
  • Service call fee: Whenever you file a claim, the home warranty or repair company will assess a service call fee. These fees typically range between $75 and $125.

Facts about Queens

Average High in July
84°F
Queens
83°F
National Average
Average Low in January
26°F
Queens
17°F
National Average
Average Daily Sunlight
69%
Queens
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
Limited Time Offer: 50% Off
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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