5 Best Home Warranty Companies in New York (2024)

We recommend Liberty Home Guard (LHG) for New York homes that need coverage for multiple AC units and limited plumbing protection. The company provides 38 add-on options, such as roof leak protection, professional-grade appliances, and sump pumps. 

Monthly cost: $49–$59

We gave Liberty Home Guard 4.5 out of 5 stars in our review standards. It scored high points for its extensive add-on catalog and extended workmanship guarantee. We deducted points for its restrictive service technician policy and industry experience. Here’s how LHG rated it in key categories:

• Coverage (4.7 out of 5): LHG scored high points for its multiple AC unit coverage and extensive add-on catalog. 
• Value (4.25 out of 5): We deducted points for its unclear service call fee policy. 
• Trustworthiness and Transparency (4.8 out of 5): LHG scored higher points for its excellent Better Business Bureau (BBB) score and third-party review sites scores. 
• Availability and Service (4.3 out of 5): LHG lost points for its limited service technician policy.

When our team read through the Liberty Home Guard sample contract, we learned that most items receive a $2,000 cap, but plumbing and electrical systems have a $500 limit. The company does offer roof-leak coverage. However, it requires an add-on feature. When we spoke to an LHG representative about its service call fee policy, she explained that fees vary based on your plan choice, add-ons, and location. Most home warranty companies offer one or more standard call fees. 

Below are the details of  LHG’s coverage plans:

• Appliance Guard: This appliance-only plan includes nine major appliances, such as clothes washers and dryers. Each item receives a $2,000 coverage limit. 
• Systems Guard: The next plan protects six built-in systems, such as air conditioning, heating, and ductwork. Most systems receive a $2,000 limit, but plumbing and electrical receive a $500 cap. 
• Total Home Guard: This plan combines the two basic plan coverages into one comprehensive plan.

LHG offers monthly and annual premium options. Expect to pay between $499 and $599 annually. Per our research, LHG offers two additional coverage months if you sign up for an annual plan.

We’ve outlined LHG monthly pricing below:

Plans include up to 38 options, such as pest control, rekey service, gutter cleaning, floor cleaning, and generator coverage. Pricing ranges from $3.00–$35.99 per month. Roof-leak coverage will cost $11.99 per month. When we used the online quote tool, Liberty Home Guard included add-on recommendations based on other area-wide homeowners. Below are the most popular options for New York:

• Additional spa
• Limited roof-leak coverage
• Pool and spa
• Septic system pumping
• Sump pump

We tried each of Liberty Home Guard’s customer support methods to determine the most efficient options. We’ve summarized our results below:

• Calls to the LHG support line connect in under 60 seconds. Agents offered detailed explanations about plans and policies.
• The live chat uses automated bot messages and live agents to answer general questions.
• LHG offers three claims processing methods: online portal, customer support line, and mobile app.

We recommend American Home Shield (AHS) for New York homeowners with older homes and systems. The company offers comprehensive coverage for essential systems, such as plumbing and heating, and protects items with preexisting conditions.  

Monthly Cost: $69–$139

American Home Shield received 4.4 out of 5 stars in our review standards. We awarded higher points for its service fee flexibility and plumbing coverage. The company lost points for its expensive bundled plans. Here’s how we rated American Home Shield in key categories:

• Coverage (4.7 out of 5): We awarded more points for its comprehensive plumbing coverage and protections for damaged items.  
• Value (4 out of 5): AHS lost points for its premium rates, which are higher than other reviewed providers. 
• Trustworthiness and Transparency (4.25 out of 5): We deducted points for its low average customer review scores. 
• Availability and Service (4.7 out of 5): AHS received higher points for its simple online claims process and 24/7 claims line.

We reviewed the American Home Shield sample contract and learned that every plan includes a $5,000 heating coverage cap. Only ShieldPlatinum includes roof-leak coverage, but you can opt for add-on coverage with the other two plans. It’s one of the few companies to cover items with preexisting conditions and physical damage, such as rust and corrosion. AHS makes an excellent choice for New Yorkers with older homes and systems. All plans include a 30-day workmanship guarantee.

We’ll explain American Home Shield’s plans below:

• ShieldSilver: This plan includes major home systems, such as your electrical, heating, and cooling systems. Covered items receive a $5,000 coverage cap.
• ShieldGold: The next plan tier includes ShieldSilver coverage and adds appliance protections, such as toilets and ovens. You receive a $5,000 system cap and $2,000 for appliances. 
• ShieldPlatinum: The highest comprehensive coverage includes ShieldGold coverage plus added perks, such as HVAC tune-up and air filter discounts. Appliance coverage doubles to $4,000. 

You can choose between a service call fee of $100 or $125. When pulling sample quotes, we discovered that choosing a higher service fee results in lower monthly premiums. All plans include a 30-day workmanship guarantee. Most home warranty providers offer monthly and annual premiums, but AHS offers only monthly options.

We’ve outlined American Home Shield monthly pricing below:

American Home Shield offers only six add-on options, considerably less than other providers.  You can add roof-leak coverage to the ShieldSilver and ShieldGold plans for $10.00 monthly. 

Additional add-on options include the following items:

• Electronics protection plan
• Guest unit 
• Pool and spa
• Septic pump
• Well pump

One of our team members had AHS coverage and tested the claims process to repair a leaky bathroom pipe. Here’s an overview of his experience: 

• He filed an online claim and received a text and email confirmation after submission. 
• A service contractor contacted him five minutes after the confirmation.
• AHS sent a technician from its preapproved networks of contractors. He could not choose his technician.  
• He received a next-day service appointment and resolved the repair in under two hours. 
• Our team member only paid the service call fee.

We recommend Select Home Warranty for budget-conscious New York homeowners who need baseline coverage. Select offers premiums under $50 per month and includes free roof-leak coverage with every plan. 

Monthly cost: $44–$47

Select Home Warranty received 4.3 out of 5 stars in our review standards. Select earned higher points for its budget-friendly premiums and free roof-leak coverage. The company lost points for its coverage caps, which fall below the industry standard of $2,000. Here’s how we rated Select in key categories:

• Coverage (3.7 out of 5): We deducted points for its lower coverage caps. 
• Value (5.5 out of 5): We awarded a perfect score for its affordable premium pricing.   
• Trustworthiness and Transparency (4.5 out of 5): Select lost points for its lower customer review scores across third-party sites. 
• Availability and Service (4.3 out of 5): We deducted points for its longer claim process timeline.

After our team read through the Select Home Warranty sample contract, we discovered that the company’s coverage caps fall below other providers. Although HVAC systems receive $3,000, all other items, such as plumbing systems, max out at $500. Select includes free roof-leak coverage with every plan. This is typically offered at an additional cost. Homeowners receive a 30-day workmanship guarantee with their repairs. We recommend Select for New York homeowners who need more HVAC and roof-leak coverage than plumbing protections. 

Here are more details about Select Home Warranty’s plans:

• Bronze Care: This plan covers eight home appliances, such as clothes washers and dryers, stoves, and dishwashers. All items receive a $500 cap.
• Gold Care: You receive coverage for six major home systems, such as air conditioning, heating, and plumbing. While heating and cooling systems receive a $3,000 cap, other items receive the standard $500 limit. 
• Platinum Care: The highest plan covers all the Bronze and Gold Care items, such as garage door openers and plumbing stoppages. All coverage limits remain the same. 

Select Home Warranty offers monthly and annual premium options. Expect to pay between $479 and $524 annually. Select offers $150 off and two additional coverage months with its annual premium option. The company charges a $60–$75 service call fee for every claim filing.

Below are Select Home Warranty’s monthly costs and service fees:

Select’s add-on options range between $3.33 and $8.33, some of the lowest in this review. You must add the free roof-leak add-on to receive coverage.

Other add-on protection options include the following items: 

• Central vacuum
• Lawn sprinkler system
• Pools and spas
• Septic system
• Standalone freezer

We recommend calling Select Home Warranty when requesting quotes. During secret shopping, we received an exclusive over-the-phone deal with the lowest service call fee. In addition, the Select customer support representative advised that the company prefers processing claims and handling account issues over the phone. 

We also learned that Select sends preapproved service technicians to handle its requests. The company will let you choose your own technician if none are in your area, but Select must approve them first.

We recommend First American Home Warranty for New York homeowners with high-end appliances or frequent home system needs. The company provides unlimited caps for most systems, such as plumbing, and up to $7,000 for appliances with its highest plan. 

Monthly cost: $47–$87

First American Home Warranty earned 4.6 out of 5 in our review standards. We awarded higher points for its generous appliance coverage and unlimited cap for essential home systems. First American lost points for its restrictive service technician policy. Here’s how we rated First American in key categories: 

• Coverage (4.7 out of 5): First American received higher scores for its unlimited system caps for plumbing and HVAC. 
• Value (4 out of 5): First American lost points for higher service call fees. 
• Trustworthiness and Transparency (4.8 out of 5): First American received high marks for its excellent third-party review scores. 
• Availability and Service (4.3 out of 5): First American lost points for its unreliable claim processing timeline. 

After reading the First American’s sample contract, We discovered that most home systems receive an unlimited coverage cap. Water heaters received a $1,000 limit. Roof-leak coverage comes with its highest plan, the Premium Plan, but not the two lower plans. Those plans require an additional add-on. In addition, the Starter Plan only covers heating and requires a central AC add-on for coverage. You can add the First American upgrade to the Essential and Premium plan for added coverage for preexisting conditions and improper installations and modifications.

We’ve outlined First American’s plan coverage below:

• Starter Plan: The lowest includes bundled coverage for some home systems and appliances, such as heating, plumbing, and refrigerators. Coverage includes a $3,500 appliance cap and unlimited coverage for home systems.
• Essential Plan: You receive everything in the Starter Plan, plus coverage for air conditioning, trash compactors, and water heaters. This plan offers the same coverage limits for items. However, water heaters receive a $1,000 limit.  
• Premium Plan: The highest plan tier includes all items in the Essential Plan plus coverage for full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units. Appliance coverage increases to $7,000. 

First American Home Warranty offers annual and monthly premiums. Annual fees cost between $540 and $1,040 for its plans. First American doesn’t offer bonus months of coverage or discounts for choosing an annual premium. You can choose from a $75, $100, or $125 service call fee. The higher the service fee, the lower your premium costs. 

Here’s an overview of First American monthly rates and fees:

First American offers 12 add-on options for better coverage customization. HVAC options include central AC for $8.33 and HVAC tuneups for $2.08. Expect to pay $8.33 per month for roof-leak coverage for the Starter Plan and Essential Plan.

Additional add-on protection includes the following items:

• Additional refrigeration
• Septic tank pumping/systems 
• Water softeners
• Well pumps

A member of our team filed an online claim with First American to fix a faulty garage door opener. Here’s a summary of his experience: 

• He received a text with his technician’s details just 30 minutes after submitting his online claim.
• The technician called to book an appointment 30 minutes later.
• The technician explained the problem and finished the repair in 30 minutes.
• He only had to pay his standard service fee for the call.

We learned that First American sends in-network service contractors to fix your issues. However, you can use your own technician if an in-network provider isn’t available near you.

We recommend America’s First Choice Home Warranty (AFC Home Warranty) for New York homeowners that need unrestricted system coverage and plan-length guarantees. The company offers unlimited HVAC and plumbing protection, multiple plans, and fees for easy customization.  

Monthly cost: $35–$59

We gave AFC Home Warranty 4.6 out of 5 in our review standards. We awarded high points for its multiple plans, service fees, and add-on options. AFC Home Warranty lost points for its depreciation policy for older items. Here’s how AFC Home Warranty scored in key categories.

• Coverage (4.3 out of 5): We deducted points for the company’s depreciated value policy. 
• Value (4.5 out of 5): AFC Home Warranty scored well for its four plans, three service fees, and 13 add-on options. 
• Trustworthiness and Transparency (4.8 out of 5): We awarded higher points for its unlimited workmanship guarantee.
• Availability and Service (5 out of 5): AFC Home Warranty received a perfect score for its flexible service technician policy. 

After reviewing the AFC Home Warranty sample contract, we learned that HVAC and plumbing systems have an unlimited coverage cap. We also discovered that AFC Home Warranty covers up to $3,000 for appliances but includes depreciation value in its payouts. The company pays based on the item’s depreciated value if it’s five years or older. All repairs and replacements include a plan-length workmanship guarantee. AFC Home Warranty plans work best for New York homes with new systems and appliances. 

Here’s an overview of each plan offered by AFC Home Warranty:

• Silver Plan: This coverage plan includes nine standard home appliances, such as cooktops and kitchen refrigerators. You receive a $3,000 cap for covered appliances. 
• Systems Plan: You receive coverage for five major home systems, including air conditioning and plumbing systems. You receive an unlimited coverage cap for home systems. 
• Gold Plan: This option bundles the Systems and Silver plans and includes ductwork coverage. All coverage caps remain the same. 
• Platinum Plan: The highest plan tier includes the previous plans and adds coverage for plumbing stoppages, faucets, built-in microwaves, ice makers, and fan work.

AFC Home Warranty includes annual and monthly premiums. Expect to pay between $398 and $630 annually for AFC Home Warranty coverage. You receive a $100 annual discount if you choose a yearly payment plan and $250 for a three-year option.

Here’s a breakdown of AFC Home Warranty’s pricing:

AFC Home Warranty provides 13 different add-on options, with pricing starting at $25 per year.  You can add roof leak protection to any plan at no additional cost.

Some additional add-on options include the following items:

• Double ovens
• Hot water dispensers
• In-ground pools and spas
• Septic systems
• Sump pumps

AFC Home Warranty is one of the few providers that lets you choose your service technicians. Most home warranty providers only use their own in-network technicians. During secret shopping, we also discovered that AFC Home Warranty offers unique membership benefits to its customers. These perks include dental, vision, and pet insurance, free credit and identity monitoring, and more.