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Best Home Warranty Companies in New York

When a home system or appliance breaks down, it can be challenging to unexpectedly pay for repair or replacement costs out of pocket. In this review, we’ll review the best home warranty companies in New York and help you choose a plan that’s right for you.

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For peace of mind, consider investing in a home warranty to protect your major home systems and appliances if they fail due to normal wear and tear. Not only will a home warranty cover important home items, it will help cover the cost of expensive repairs and replacements.

Since there are a variety of home warranty companies available, and it can be challenging to determine which company is best, the This Old House Reviews Team did the research for you and compared some of the best home warranty companies in New York. Keep reading to find the right protection plan for your home.

New York’s Top 3 Home Warranty Companies

The highest rated home warranty companies in New York include:

  1. American Home Shield (AHS): Best Overall
  2. Choice Home Warranty: Best Service
  3. Home Service Club: Quickest Coverage

Our team evaluated New York home warranty providers based on factors like coverage, pricing, reputation, customer service, and more. See how the following three companies fared in the evaluation.

1. American Home Shield

American Home Shield (AHS) provides three coverage plan options for customers, 24/7 customer service, and discounts on name brand appliances. It’s one of the oldest home warranty companies in the industry and has been in business for more than 45 years.

Plans Offered by American Home Shield

Here are the different plan options offered by American Home Shield:

  • ShieldSilver™—This plan protects major home systems, such as your electrical system and HVAC units.
  • ShieldGold™—This plan covers the entirety of the ShieldSilver™ and adds appliance coverage in your kitchen and laundry room.
  • ShieldPlatinum™—This comprehensive coverage plan protects the entire home, covering all of the ShieldGold plan and increasing coverage caps.

When choosing your plan, you’ll get to select your own service call fee of $75, $100, or $125. See how the monthly premiums change depending on which service fee you choose:

Pricing of American Home Shield

Plan $75 Service Fee $100 Service Fee $125 Service Fee
Plan $75 Service Fee $100 Service Fee $125 Service Fee
ShieldSilver™ $54.99 per month $44.99 per month $39.99 per month
ShieldGold™ $64.99 per month $54.99 per month $49.99 per month
ShieldPlatinum™ $79.99 per month $69.99 per month $64.99 per month

American Home Shield provides the following benefits to customers:

  • Generous coverage caps on major systems and appliances
  • Flexible service fees
  • 30-day workmanship guarantee

For a free quote from American Home Shield, fill out this online form or call 844-529-9298.

2. Choice Home Warranty

Choice Home Warranty (CHW) is ideal for older homes that will need more repairs, as it doesn’t deny coverage based on the age of your home or the age of your systems and appliances.

Plans Offered by Choice Home Warranty

Choice Home Warranty offers two coverage options—a Basic Plan and a Total Plan. The Basic Plan protects 14 home systems and appliances. If you want coverage for all of your home’s major items, consider signing up for a Total Plan, as this includes everything in the Basic Plan plus coverage for your central air conditioning system, refrigerator, washer, and dryer.

Here’s what your monthly premiums might look like with a Choice Home Warranty plan:

Pricing of Choice Home Warranty

Basic Plan Total Plan
Basic Plan Total Plan
$36.17 per month $43.85 per month

Note: Choice Home Warranty charges service fees between $60–$85. A lower service fee will typically result in a higher monthly premium.

Here’s an overview of what Choice Home Warranty has to offer:

  • 24/7 customer service
  • 90-day repair guarantee
  • Guaranteed response time within 48 hours of receiving a claim

For a free quote from Choice Home Warranty, fill out this online form or call 929-400-6165.

3. The Home Service Club

The Home Service Club (HSC) is known for having one of the shortest coverage waiting periods in the home warranty industry and provides coverage on items regardless of their age, make, or model.

Plans Offered by Home Service Club

The Home Service Club offers two plans: Standard Coverage and Comprehensive Coverage. Standard Coverage protects 18 appliances and systems, while Comprehensive Coverage protects these 18 items in addition to items like telephone wiring, pest control, and smoke detectors.

Here are the monthly costs for each HSC plan:

Pricing of Home Service Club

Standard Coverage Comprehensive Coverage
Standard Coverage Comprehensive Coverage
$45.95 per month $60.95 per month

Note: The Home Service Club’s charges a $75 service fee every time a service contractor comes out to address your broken item.

As an HSC customer, you’ll get to experience the following benefits:

  • 30-day labor guarantee and 90-day parts guarantee
  • Flexible payment options
  • Long list of optional add-ons

For a free quote from The Home Service Club, fill out this online form or call 800-842-9334.

Our Conclusion

Whether you live in New York City or Brooklyn, a home warranty will provide peace of mind and protect your major home systems and appliances if they break down unexpectedly. American Home Shield, Choice Home Warranty, and The Home Service Club all offer unique and comprehensive coverage plans for homeowners in New York. Before buying a home warranty plan, we recommend getting quotes from all three providers so you can compare pricing.

Frequently Asked Questions about New York Home Warranties

Does a home warranty cover roofs?

Not all home warranty companies offer roof leak protection. Out of the providers in this review, both Choice Home Warranty and The Home Service Club give you an add-on option that covers roof leaks for an additional cost each month. American Home Shield doesn’t offer roof coverage in any of its plans or add-on options.

How do you cancel a home warranty service contract?

You can easily cancel a home warranty plan by contacting the company’s customer service department. Different companies have different policies on when you can cancel, what the refund process looks like, and if you will be charged a cancellation fee, so make sure to read your contract’s terms and conditions before signing up for a plan.

How much should I pay for a NY home warranty?

The average home warranty customer pays between $300–$600 per year for protection. Most companies will also charge a service fee between $75–$125 for repairing or replacing a covered item.

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