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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, close to 4 million homes in the state have primary air conditioning and heating. Snowstorms and hot, humid days make it important to stay up to date with the maintenance of your home systems.

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

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 Union

  • Average Max Temperature:
    54°F
  • Average Min Temperature:
    38°F
  • Average Annual Snowfall:
    61.9”
  • Homeownership Rate:
    65%
  • Median Home Size:
    2,224 sqft
  • Median Home Price:
    $237,196

Are Home Warranties Worth It for Union Residents?

Home warranties are valuable for Union residents. Union summers are fairly mild, but it's still important that your air conditioner is working well. However, this system can malfunction over time due to breakdowns from regular wear and tear.

Union also has freezing 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 are comparatively cheaper at only $644–$737 a year, based on 120 quotes we requested from home warranty companies nationwide.

The regular rain in Union can cause damage to your roof. Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair.

Finally, a home warranty connects you with service providers you can trust. A reputable home warranty is a good investment because companies vet their technicians. When life keeps you busy, your home warranty provider can give you peace of mind that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

These key factors can help you select the best home warranty plan for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and discovered that the average home warranty costs between $53–$62 per month. There are also service call fees that apply whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans typically cost less than comprehensive ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your specific needs before purchasing a plan.

Coverage

Determine which appliances and systems you use the most. Most home warranties offer customizable coverage tailored to your needs. If you only want coverage for certain systems, such as your heating, most providers offer systems-only plans. The same is true if you only need coverage for select appliances. 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
Also, consider coverage limits. Our research indicates that higher coverage limits tend to go hand in hand with higher premiums. However, providers with higher coverage limits may still be the best choice for homes with older systems or appliances.

Exclusions

Home warranties usually only cover damage from normal wear and tear. This doesn't include preexisting conditions or improper installation. Most policies also won't cover cosmetic issues or appliance components, defects, theft, or routine maintenance. Providers outline their exclusions and limitations in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.

Provider Reputation

Also, consider a provider's reputation when choosing a plan. You can read customer reviews on sites like Trustpilot, Best Company, and Google Reviews or look at a company's rating with the Better Business Bureau (BBB). Reviews and ratings are a great way to see 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. Your company should always use licensed and registered contractors to fulfill service requests. Make sure you ask where and how a company sources its technicians. Select a provider that mentions service contractors you're familiar with. Those who live in rural areas should consider a home warranty that allows you to choose your technician. In-network service providers may not be available in your area, so you'll need the option to source your own.

Frequently Asked Questions about Home Warranty in Union

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