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  • Written by
    Jessica Hurtault
  • Fact Checked
  • Updated

Homeowners in New York know the challenges that come with the 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 home system maintenance.

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

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 Yonkers

  • Average Max Temperature:
    58°F
  • Average Min Temperature:
    43°F
  • Average Annual Snowfall:
    30.1”
  • Homeownership Rate:
    61%
  • Median Home Size:
    1,619 sqft
  • Median Home Price:
    $618,092

Are Home Warranties Worth It for Yonkers Residents?

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

Winters in Yonkers are very cold, which means having reliable heating is important. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.

Yonkers' heavy rain can also affect your roof. Some home warranty companies offer limited roof-leak coverage to financially assist with repair.

Lastly, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.

What To Consider Before Choosing a Home Warranty Company

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

Cost

We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $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 are generally more affordable than comprehensive ones. A home systems coverage plan will usually cost more than an appliance plan. Most plans offer add-on coverage, but this will increase your monthly cost. Make sure you know your specific needs before choosing a plan.

Coverage

You can often find home warranty plans that cover specific systems and appliances. Decide whether you need coverage for major systems (such as heating), specific appliances, or for both. Then ask your provider about its options for customized coverage. The following 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. You may opt for a provider with higher coverage limits if you have older systems or appliances. According to our research, companies with higher coverage caps usually charge higher premiums.

Exclusions

Usually, home warranties only cover normal wear and tear. They don't cover improper installation or preexisting conditions. Generally, appliance components or cosmetic issues, theft, routine maintenance, or defects aren't covered either. Your provider will outline its limitations and exclusions in its service contract. Read your contract thoroughly to fully understand your plan's terms and conditions.

Provider Reputation

Provider reputation is another key factor to consider. You can read real customer reviews on sites such as Google Reviews, Best Company, and Trustpilot or check a company's Better Business Bureau (BBB) rating. Ratings and reviews can provide insight into how a company handles 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. Make sure to ask how and where it sources technicians—reputable companies should always use licensed and registered contractors. Choose a provider that mentions the names of familiar contractors. Homeowners in rural areas should consider a home warranty that allows you to choose your technician. You may not have any in-network service providers in your area, so you want the option to source your own.

Frequently Asked Questions about Home Warranty in Yonkers

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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