Best 6 Home Warranty Companies in Buffalo, NY

Are Home Warranties Worth It for Buffalo Residents?

Yes, home warranties are worth it for Buffalo residents. Buffalo summers are fairly mild, but it's still important to have a reliable air conditioner. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Buffalo also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range between $2,500 and $8,000. Home warranties, on the other hand, come in at only $644–$737 per year, based on 120 quotes we received from home warranty companies nationwide.

The regular rain in Buffalo can damage your roof. The financial burden of this will be lessened if your home warranty has roof-leak coverage. Lastly, your home warranty will connect you with service providers you can trust.

A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty company can give you peace of mind that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Think about these key factors when selecting the right home warranty plan for your needs.

Cost

We received 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. There are also service call fees that apply each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are typically more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Many plans have add-on coverage options, but this will increase your monthly cost, so make sure you know what you need before selecting a plan.

Coverage

You can look for a home warranty plan that covers specific systems and appliances. Determine whether you want coverage for major systems (such as heating), specific appliances, or both. Then ask your provider what its options are for customized coverage. The following is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Home warranties typically only cover breakdowns from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover appliance components or cosmetic issues, defects, routine maintenance, or theft. Providers outline limitations and exclusions in their service contracts. Make sure you read yours carefully to fully understand your plan's terms and conditions.

Provider Reputation

Also, consider a provider's reputation when making a decision. You can find customer reviews on sites like Trustpilot, Google Reviews, and Best Company or look at a company's Better Business Bureau (BBB) rating. Reviews and ratings are a great way to learn how providers handle claims and customer service. Check with the New York Division of Consumer Protection to verify that a provider holds a license with the state.

Contractor Network

Consider a home warranty company's network of service providers. Ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. We recommend picking a provider that mentions the names of familiar contractors. Residents of rural areas may consider choosing a home warranty that lets them pick their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.