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 also 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 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 50 years.

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

Plans & Pricing

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:

AHS offers three service call fees, allowing customers the flexibility to adjust their monthly fees to fit their budget. You can compare monthly prices in the table below.

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

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.

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

Plans & Pricing

Choice Home Warranty offers two coverage options—a Basic Plan and a Total Plan. Additionally, Choice Home Warranty charges an $85 service call fee.

Here’s the cost and coverage for each plan:

  • Basic Plan ($46.83 per month): Protects 14 home systems and appliances
  • Total Plan ($54.75 per month): Protects everything in the Basic Plan plus coverage for your central air conditioning system, refrigerator, washer, and dryer
For a free quote from Choice Home Warranty, fill out this online form or call 929-400-6165.

Learn More: Choice Home Warranty 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.

✔ 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

Plans & Pricing

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.

Liberty Home Guard offers the following plan options:

  • Appliance Guard ($44.99 per month): This plan covers your home’s essential appliances such as your clothes washer and dryer.
  • Systems Guard ($49.99 per month): This plan covers built-in systems, such as air conditioning, heating, and ductwork.
  • Total Home Guard ($54.99 per month): Total Home Guard combines the coverage of the two basic plans into one comprehensive plan.
To request a quick quote from Liberty Home Guard, fill out this form or call 866-452-9107.

Learn More: Liberty Home Guard Review


Select Home Warranty

Select Home Warranty (SHW) earns its “Best Value” distinction due to its affordable plan prices, long workmanship guarantee, and free roof-leak coverage included with every plan.

✔ 90-day workmanship guarantee
✔ 12-hour claim response time
✔ Up to $400 toward roof leaks included with all plan tiers

Plans & Pricing

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Select Home Warranty charges a $75 service call fee each time you file a claim. After researching nearly 40 home warranty companies, we calculated the industry average service call fee at $77.13, which means SHW is more affordable than many of its competitors.

We requested a sample quote from Select Home Warranty. You can compare monthly plan pricing below.

  • Bronze Care ($41.67 per month): Covers eight home appliances, including your clothes washer and dryer, stove, and dishwasher
  • Gold Care ($41.67 per month): Covers six major home systems, including your ductwork, plumbing system, and water heater
  • Platinum Care ($46.08 per month): Covers all the items in the Bronze and Gold Care plans, plus garage door openers and plumbing stoppages

To request a customized quote, use Select Home Warranty’s online tool or call 888-370-3956.

Learn More: Select Home Warranty Review


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.

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

Plans & Pricing

The Home Service Club (HSC) offers two plans: Standard Coverage and Comprehensive Coverage. HSC charges a $75 service fee every time a service contractor comes out to address your broken item. Here are the monthly costs for each HSC plan:

  • Standard Coverage ($45.95 per month): Protects 18 appliances and systems
  • Comprehensive Coverage ($60.95 per month): Protects these 18 items in addition to items like telephone wiring, pest control, and smoke detectors.
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


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 ShieldChoice 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 at least three providers so you can compare pricing.


Frequently Asked Questions

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

To share feedback or ask a question about this article, send a note to our Reviews Team at