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Best Home Warranty Companies in New York (2022)

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 5 Home Warranty Companies

The highest rated home warranty companies in New York include:

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.


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.

Learn more: American Home Shield review


Choice Home Warranty

Choice Home Warranty (CHW) is a great choice 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.

Learn more: Choice Home Warranty review


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 The 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.

Learn more: The Home Service Club review


Liberty Home Guard

Liberty Home Guard offers home warranty coverage for less than $55 a month, a long list of unique additional coverage options, and a responsive customer service team.

Plans offered by Liberty Home Guard

Liberty Home Guard offers three plan options:

  • Appliance Guard: This plan covers your home’s essential appliances such as your clothes washer and dryer.
  • Systems Guard: This plan covers built-in systems, such as air conditioning, heating, and ductwork.
  • Total Home Guard: Total Home Guard combines the coverage of the two basic plans into one comprehensive plan.

Pricing of Liberty Home Guard

Liberty Home Guard charges a variable service call fee each time you file a claim. According to a representative from the company, the service call fee will be assigned based on your plan, the location of your home, and the add-on options you select. This fee will always fall between $65 and $125. Liberty’s plans range from $45–$55 a month.

Pricing of Liberty Home Guard

Plan Monthly Cost
Plan Monthly Cost
Appliance Guard $44.99
Systems Guard $49.99
Total Home Guard $54.99

Here’s what else Liberty Home Guard has to offer:

  • Customers can reach out to customer service any time via the live chat feature on the site or the 24/7 phone line
  • All plans are less than $55 a month
  • Up to 30 additional coverage options, including pest control and floor/carpet cleaning
To request a quick quote from Liberty Home Guard, fill out this form or call 866-452-9107.

Learn more: Liberty Home Guard review


Complete Care Home Warranty

Complete Home Care is a great option for homeowners on a budget. It offers a $49 service call fee as well as plans that cost less than $50 per month. In addition to its affordability, Complete Care stands out for its long workmanship guarantee and competitive list of add-on options.

Plans offered by Complete Care Home Warranty

Complete Care Home Warranty also offers three plan options: a Systems Plan, an Appliances Plan, and a Combo Plan.

  • Systems Plan: The Systems Plan covers items such as your air conditioning and plumbing system.
  • Appliances Plan: The Appliances Plan covers essential appliances such as your refrigerator, garbage disposal, and stove.
  • Combo Plan: The Combo Plan covers all of the built-in systems and appliances covered by the basic plans.

Pricing of Complete Care Home Warranty

As mentioned above, Complete Care offers affordable coverage for $50 or less. According to our quote, you can expect to pay between $43 and $50 a month for a Complete Care Home Warranty plan. The service call fee is only $49.

Pricing of Complete Care Home Warranty

Plan Monthly Cost
Plan Monthly Cost
Systems Plan $43
Appliances Plan $43
Combo Plan $50

Here are some additional perks of a Complete Care Home Warranty:

  • Up to 24 add-on options to choose from including coverage for additional built-in systems and appliances, such as a second heating system or additional refrigerator
  • 90-day workmanship guarantee
  • Both monthly fees and service call fee are $50 or less

To request a quote from Complete Care Home Warranty, use this simple online tool.

Learn more: Complete Care Home Warranty Review


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 Liberty Home Guard 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.


Our Home Warranty Review Methodology: How We Chose The Best Home Warranty Companies

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:

  • We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.

With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:

  • Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
  • Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
  • Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
  • Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
  • State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
  • Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
  • Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.

In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.