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Best Home Warranty Companies In new york 2024

New York’s diverse landscape, from bustling cities to charming towns, presents unique challenges for homeowners. Unexpected breakdowns of essential systems and appliances can be stressful and costly. This guide explores the Best Home Warranty Companies In New York State, helping you navigate the options and find the right coverage to protect your investment and bring peace of mind.

Cyber Savings
fourhalf_star4.9/5
50% Off + First Month Free
MOST POPULAR
fourhalf_star4.5/5
$50 OFF on Multiple Properties

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.

Highly Rated By Customers
4.9 | fourhalf_star Excellent
50% Off + First Month 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.

The Industry Leader
4.5 | fourhalf_star 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 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

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 | threehalf_star 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 | threehalf_star 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.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

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:

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:

 

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:

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:

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.

Cyber Savings

50% Off + First Month Free

Don't let broken appliance break the bank

fourhalf_star

4.9/5

(888) 580-5416

Frequently Asked Questions (FAQs)

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

A.

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?

A.

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?

A.

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?

A.

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.

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Best Home Warranty Companies

Cyber Savings
Elite Home Warranty

PROMOTION

50% Off + First Month Free

fourhalf_star 4.9
Excellent
American Home Shield

PROMOTION

$50 OFF on Multiple Properties

fourhalf_star 4.5
Excellent