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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Homeowners in New York know the challenges that come with all four seasons. According to the 2021 American Housing Survey, nearly 4 million homes in the state have primary air conditioning and heating. With snowstorms and hot, humid days, it's important to stay up to date with the maintenance of your home systems.

For many Empire State homeowners, a home warranty plan can reduce the cost of repairs and replacements for systems and appliances such as refrigerators, washing machines, air conditioning, and heating. That's why we've compiled a guide to the best home warranty companies in New Rochelle, New York.

Best Customer Ratings
Liberty Home Guard logo
4.5/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process
Best for Comprehensive Coverage
American Home Shield logo
4.4/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems
Best Value
Select Home Warranty logo
4.3/5

Ratings are based on our detailed proprietary methodology and review standards.

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

6 Best Home Warranty Companies in New Rochelle

Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.

Featured Partner
American Home Shield Logo
Best for Comprehensive Coverage

American Home Shield

4.4/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
  • Features broad coverage on up to 33 appliances and systems

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options

52 Years in Business

BBB Rating:B

Featured Partner
Liberty Home Guard Logo
Best Customer Ratings

Liberty Home Guard

4.5/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
  • Provides an easy claims process

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions

6 Years in Business

BBB Rating:A+

Featured Partner
Select Home Warranty Logo
Best Value

Select Home Warranty

4.3/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps

11 Years in Business

BBB Rating:B-

Featured Partner
AFC Home Warranty Logo
Best for Customization

AFC Home Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue

14 Years in Business

BBB Rating:B

Featured Partner
Cinch Home Services Logo
Best Additional Perks

Cinch Home Services

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in Hawaii or Alaska

45 Years in Business

BBB Rating:B

Featured Partner
2-10 Home Buyers Warranty Logo
Cheapest Appliances Plan

2-10 Home Buyers Warranty

4.6/5

Ratings are based on our detailed proprietary methodology and review standards.


Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans

39 Years in Business

BBB Rating:A-

BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about New Rochelle

  • Average Max Temperature:
    58°F
  • Average Min Temperature:
    43°F
  • Average Annual Snowfall:
    27.7”
  • Homeownership Rate:
    61%
  • Median Home Size:
    1,619 sqft
  • Median Home Price:
    $816,790

Are Home Warranties Worth It for New Rochelle Residents?

Yes, home warranties are worth it for New Rochelle residents. New Rochelle can have fairly hot days during the summer, and you probably use your air conditioner frequently during warmer months. Your air conditioner can malfunction over time due to breakdowns from regular wear and tear.

Winters in New Rochelle are very cold, meaning you rely on your heating system often. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide.

New Rochelle's heavy rain can damage your home's roof. Some home warranty policies include limited roof-leak protection, which can ease the financial burden of roof repair.

Lastly, a home warranty connects you with trustworthy service providers. Investing in a reputable home warranty company is worth it because companies vet their technicians. When life keeps you busy, your home warranty company can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these important factors when choosing the best home warranty plan for you.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 a month. You'll also pay a service call fee whenever you file a claim. Service call fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Consider your specific needs before choosing a plan, as getting add-on coverage options will increase your monthly price.

Coverage

Most home warranty companies can tailor a plan to your needs. Think about which appliances and systems you use often and want covered. If you only want coverage for select systems or appliances (such as your heating), you can often find plans to fit. Here is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Coverage limits are also important. Choosing a plan with higher coverage caps makes more sense for a home with older systems or appliances. Our research indicates that companies with higher coverage caps tend to charge higher premiums.

Exclusions

Most home warranties only cover breakdowns from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline limitations and exclusions with their service contracts. We recommend reading it to understand your protection plan's specific terms and conditions.

Provider Reputation

Consider a provider's reputation before making a commitment. You can also read real customer reviews on sites such as Trustpilot, Google Reviews, and Best Company. Reading reviews can show you how providers handle claims and customer service. Check with the New York Division of Consumer Protection to verify that a provider holds a valid state license.

Contractor Network

Consider a home warranty company's network of service providers. Make sure you ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Select a provider that mentions service contractors you're familiar with. Residents of rural areas should consider choosing a home warranty provider that lets customers pick their technicians. It's good to have the option to source your own providers if no in-network ones are available in your area.

Frequently Asked Questions about Home Warranty in New Rochelle

More Home Warranty Resources

Sources

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

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