For peace of mind, consider investing in a home warranty to protect your major home systems and appliances from breakdowns caused by normal wear and tear. A home warranty covers important home items and the cost of expensive repairs and replacements.

The This Old House Reviews Team analyzed and compared the best home warranty companies nationwide. We picked our top providers available in New York based on coverage limits, monthly cost, and customer service. Keep reading to find the right protection plan for your home.

VISIT SITE Limited Time Offer: $150 OFF All Home Warranty Plans
Monthly Cost $64–$74
Service Fee $100–$125
BBB Rating B
States Covered 48
VISIT SITE $200 Off + 2 Months Free + Roof Leak Protection
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating A+
States Covered 50
VISIT SITE Use code HOUSE25 for $150 off & 2 months free
Monthly Cost $44–$48
Service Fee $60–$75
BBB Rating B-
States Covered 47
VISIT SITE $200 off + roof leak coverage + lifetime parts and labor
Monthly Cost $48–$55
Service Fee $75–$125
BBB Rating B
States Covered 49

New York’s Top 5 Home Warranty Companies

The highest-rated New York home warranty companies include the following:

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.


Annual Home Warranty Cost Calculator

Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

Lifespan and repair cost data sourced from InterNACHI and Home Depot


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. Additionally, AHS provides generous coverage caps per covered system and appliance.


✔ Pairs generous coverage caps per major system and appliances
✔ Offers flexible service fees
✔ Extends a 30-day workmanship guarantee

Plans and Pricing

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

  • ShieldSilver ($39.99–$59.99): This plan protects major home systems, such as your electrical system and HVAC units.
  • ShieldGold ($54.99–$74.99): This plan covers the entirety of the ShieldSilver™ and adds appliance coverage in your kitchen and laundry room.
  • ShieldPlatinum ($69.99–$89.99): 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. Selecting a higher service call fee lowers your monthly premium and vice versa.

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

Learn More: American Home Shield Review

Liberty Home Guard

Liberty Home Guard offers home warranty coverage for less than $60 a month, a long list of unique additional coverage options, and a responsive customer service team. It also extends a 60-day workmanship guarantee per completed repair, which is double the industry average of 30 days.


✔ Includes a 24/7 live chat feature on its site
✔ Prices plans under $60 a month
✔ Offers up to 38 additional coverage options, including pest control and lawn sprinkler coverage

Plans and Pricing

Liberty Home Guard charges a $65–$125 service call fee per claim. It assigns your service call fee based on your plan, the location of your home, and the add-on options you select. Liberty’s plans range from $49–$60 a month.

Liberty Home Guard offers the following coverage options:

  • Appliance Guard ($49.99 per month): This plan covers your home’s essential appliances such as your clothes washer and dryer.
  • Systems Guard ($54.99 per month): This plan covers built-in systems, such as air conditioning, heating, and ductwork.
  • Total Home Guard ($59.99 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, standard workmanship guarantee, and free roof-leak coverage included with every plan. In addition, Select provides a low service call fee, which further solidifies its value.


✔ Extends a 30-day workmanship guarantee
✔ Responds to service requests within a 12-hour response time
✔ Includes up to $400 toward roof leaks included with all plan tiers

Plans and 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.

Here is Select Home Warranty’s monthly plan pricing below.

  • Bronze Care ($44.43 per month): Covers eight home appliances, including your clothes washer and dryer, stove, and dishwasher
  • Gold Care ($44.43 per month): Covers six major home systems, including your ductwork, plumbing system, and water heater
  • Platinum Care ($47.75 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


America’s First Choice Home Club

America’s First Choice Home Club (AFC Home Club) provides New York homeowners flexibility with its four plans and three service call fee options. Additionally, it offers a workmanship guarantee for the length of your plan, meaning any covered repairs are guaranteed for the rest of your plan term.


✔ Extends an unlimited workmanship guarantee per completed repair
✔ Offers generous coverage limits per covered appliance
✔ Provides security perks such as identity theft protection and free credit monitoring

Plans and Pricing

AFC offers four plans: the Systems, Silver, Gold and Platinum plans. 

  • Systems Plan ($50.25–$55.65): Covers five major home systems, including air conditioning and plumbing systems.
  • Silver Plan ($42.08–$47.50): Protects nine standard home appliances, such as cooktops and kitchen refrigerators.
  • Gold Plan ($58.33–$63.75): Bundles the Systems and Silver plans together and includes ductwork coverage.
  • Platinum Plan ($63.75–$69.17): Combines all three plans into one comprehensive package and adds coverage for plumbing stoppages, faucets, built-in microwaves, ice makers, and fan work.

Similar to American Home Shield, AFC Home Club allows you to select your service call fee. The service call fees range from $75 to $125 per claim. The higher the service call fee, the lower your monthly premium. 

To request your personalized quote, fill out AFC Home Club’s quote form or call 877-755-1115.

Learn more: AFC Home Club 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.


✔ Extends a 30-day labor guarantee and a 90-day parts guarantee
✔ Provides flexible payment options
✔ Includes a long list of optional add-ons

Plans and Pricing

The Home Service Club (HSC) offers two plans: Standard Coverage and Comprehensive Coverage. HSC charges a $95 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, such as air conditioning, central vacuum, refrigerators and clothes washers
  • Comprehensive Coverage ($60.95 per month): Protects these 18 items plus telephone wiring, pest control, and smoke detectors.

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. Liberty Home Guard, American Home Shield, and Select Home Warranty 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 backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.  

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