New York experiences hot, humid summers and freezing winters. That means your home’s HVAC system works year-round to protect you from the elements, which can cause it to break down from regular use over time. If you want the convenience of someone else finding a technician or you don’t have adequate funds saved for unexpected repairs, you may benefit from a home warranty. Home warranties cover major system and appliance breakdowns that result from normal wear and tear.

Our team reviewed the best home warranty companies in the United States. We chose the top providers in New York based on coverage limits, customer service, costs, and additional perks.



The Top 5 Home Warranty Companies in New York

Below are our recommended New York home warranty companies:

All pricing information in this article is based on a single-family home (smaller than 5,000 square feet) in Scarsdale, New York. Your pricing may vary depending on your home’s size and type, your location, and your chosen plan and add-on coverages.



Liberty Home Guard

Fast Facts:

Coverage Overview

Liberty Home Guard (LHG) is our top home warranty provider for New York homeowners. It offers customizable coverage with more than 30 unique add-ons, including coverage options such as pest control and septic systems. It has a $2,000 coverage cap per covered system and home appliance.

LHG also extends a 60-day workmanship guarantee, which is double the industry standard of 30 days. Additionally, LHG includes coverage for second heating systems and air conditioners in its basic plans. Most providers only offer second-unit coverage as an add-on.

Liberty Home Guard assigns a service call fee that ranges from $65 to $125, depending on your home’s type and size, your location, and your coverage and add-on selections.


We highlighted Liberty Home Guard’s three plan options below.

Appliance Guard ($49.99 per month): Appliance Guard is LHG’s appliance plan. It covers built-in microwave ovens, ceiling and exhaust fans, clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ranges, ovens, cooktops, and refrigerators with built-in ice makers.

Systems Guard ($54.99 per month): Systems Guard is LHG’s systems plan. It covers six systems: water heaters, ductwork, air conditioning, plumbing, and heating and electrical systems.

Total Home Guard ($59.99 per month): Total Home Guard is LHG’s comprehensive coverage plan. It covers everything in the Appliance Guard and Systems Guard plans.

Read more: Liberty Home Guard Review



American Home Shield

Fast Facts:

Coverage Overview

American Home Shield (AHS) offers generous home protection via three protection plans. Each plan has two service call fee options, which can raise or lower your monthly premium. For those who own older homes, AHS covers rust, corrosion, and sediment damage, plus items with undetected preexisting conditions.

American Home Shield pairs the ShieldSilver and ShieldGold plans with a $3,000 limit per covered item. The ShieldPlatinum plan doubles its coverage cap to $6,000 per covered item. AHS’s service call fees are $100 or $125 per filed claim.


We highlighted American Home Shield’s three coverage plans below.

ShieldSilver ($119.99–$129.99 per month): ShieldSilver covers home systems, including doorbells and chimes, garage-door openers, ceiling fans, ductwork, attic and built-in exhaust fans, faucets, toilets, whirlpool tub motor components, water heaters, heating units plus interior electrical lines, main breaker and fuse panel boxes, electrical systems, plumbing, air conditioning, heating systems, plumbing stoppages, and interior plumbing lines. 

ShieldGold ($139.99–$149.99 per month): The ShieldGold plan covers the same items as ShieldSilver plus major appliances, including built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, instant cold and hot water dispensers, ovens, cooktops, ranges, and refrigerators. 

ShieldPlatinum ($169.99–$179.99 per month): The ShieldPlatinum plan covers all the same items as the ShieldGold plan, plus plumbing system modifications, refrigerant recapture, and roof-leak repair.

Read more: American Home Shield Review



America’s 1st Choice Home Club

Fast Facts:

Coverage Overview

America’s 1st Choice Home Club (AFC Home Club) is another reputable provider for New York residents. AFC Home Club extends a plan-length workmanship guarantee for added peace of mind. It offers four plans and three service call fees ($75, $100, or $125) for additional flexibility. You can adjust your monthly premium by choosing a higher or lower service call fee.

AFC Home Club assigns different coverage caps to items. For example, it has a $3,000 per-item coverage limit on appliances and an unlimited coverage cap on certain systems. We recommend reading AFC Home Club’s service contract to understand all applicable coverage limits.


Below are AFC Home Club’s home warranty plans and monthly prices.

Silver Plan ($48.83–$55.17 per month): The Silver Plan protects major appliances, including clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators. 

Systems Plan ($58.33–$64.75 per month): The Systems Plan covers built-in systems, such as ductwork, air conditioning, electrical, plumbing, water heaters, and heating systems.

Gold Plan ($67.92–$73.33 per month): The Gold Plan covers every system and appliance included in the Silver and Systems plans.

Platinum Plan ($73.33–$80.67 per month): The Platinum Plan is AFC Home Club’s most comprehensive plan. It covers all the same items as the Gold Plan, plus built-in microwaves, faucets, ice makers, and plumbing stoppages.

Cinch Home Services

Fast Facts: 

Coverage Overview

Cinch Home Services is another solid home warranty company available in New York. It provides quick service request processing by promising to send a technician to your home within two hours during standard business hours. Cinch offers comprehensive system and appliance coverage plus three service call fees for monthly premium flexibility.

Cinch has three home protection plans that include a $10,000 annual coverage cap per covered system, appliance, and add-on. Cinch doesn’t offer roof-leak coverage, however. That said, Cinch covers rust and corrosion damage and extends a 180-day workmanship guarantee.


Below are Cinch Home Serviceshome warranty coverage plans:

Appliances Plan ($65.99–$75.99 per month): The Appliances Plan covers built-in food centers, microwaves, trash compactors, clothes washers, dryers, cooktops, dishwashers, freestanding ice makers, ranges and range exhaust hoods, refrigerators, and wall ovens. All plans include a $25 air conditioner or water filter credit.

Built-In Systems Plan ($69.99–$81.99 per month): The Built-In Systems Plan covers air conditioning and heating systems, including ductwork, attic and ceiling fans, central vacuums, doorbells, electrical and plumbing systems, garage-door openers, garbage disposals, instant hot and cold water dispensers, smoke detectors, sump pumps, toilets, water heaters, and whirlpool and jetted tubs.

Complete Home Care Plan ($84.99–$96.99 per month): The Complete Care Home Plan covers all items listed in the Appliances and Built-In Systems plans. It also includes reimbursement for your homeowners insurance deductible of up to $500 annually.

Read more: Cinch Home Services Review



Select Home Warranty

Fast Facts:

Coverage Overview

Select Home Warranty is our final recommendation for New York homeowners. Select provides three competitively priced coverage plans and solid HVAC system coverage. It conveniently pairs each plan with roof-leak repair coverage. It also offers a low $60–$75 service call fee.

Select offers variable coverage limits per covered system and appliance. For example, it pairs air conditioning and heating systems with a $3,000 coverage cap. It limits all other covered systems and appliances to $500 per covered item.

Regarding customer service, some customers noted that Select is difficult to reach over the phone when filing a claim. That said, we recommend Select if you only need HVAC systems coverage. There are better options for total home protection.


Below is a coverage overview of Select Home Warranty’s plans:

Bronze Care ($44.42 per month): The Bronze Care plan covers built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, ovens, refrigerators, and stovetops.

Gold Care ($44.42 per month): The Gold Care plan protects ductwork systems, water heaters, cooling and heating systems, plumbing, and electrical systems.

Platinum Care ($47.75 per month): The Platinum Care plan covers all items listed in the Bronze Care and Gold Care plans.

Read more: Select Home Warranty Review



Home Warranty Regulations in New York

The New York State Department of Financial Services (DFS) regulates home warranty companies in the state. The state protects consumer interests in various ways, and Chapter 28, Article 79 in particular addresses service contracts. Among other regulations, the DFS requires home warranty providers maintain reserve funds for claims payouts.

If you have a home warranty in New York and believe your provider has not honored your contract, you can file a complaint with the DFS.

Along with government oversight, home warranties self-regulate via industry associations. For example, the National Home Service Contract Association (NHSCA) is a nonprofit industry organization consisting of member companies that follow a code of ethics for fair business practices.



Our Recommendation

Whether you live in a condo in New York City or a single-family home in Buffalo, it’s important to protect your home’s essential systems and appliances. A home warranty takes the guesswork out of finding a reputable service provider when a system or appliance breaks down.

We recommend Liberty Home Guard for its generous HVAC system coverage and additional coverage options. For those who want comprehensive coverage, we recommend American Home Shield. Another top choice is AFC Home Club due to its plan-length workmanship guarantee. Before signing up for a plan, we suggest pulling quotes from three providers to compare coverage options, exclusions, and costs for your home.



New York Home Warranty Companies FAQ



How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on analysis of customer reviews and interviews with industry experts.

During this process, we determined that the most critical aspects of a home warranty company include available service plans and add-ons, depth of coverage, plan cost, industry reputation, customer support infrastructure, and additional features. We also focused on the ability to choose your own contractor, upgrade your coverage package, transfer your plan to another owner, and cover roof leaks, high-end appliance brands, ceiling and exhaust fans, and faucets and fixtures.

Our research supported that plan coverage should carry the most weight, with customer support as the second-most important factor. Industry reputation, plan availability, and additional features were rated equally. We determined that price range, while worth considering, should not be the primary basis for choosing a home warranty provider for your home’s needs.