Best Home Warranty Companies in New York (2024)

By Jesus Sanchez Garcia Updated February 22, 2024

All products and services featured are independently selected by our editors. However, when you buy something through our retail links, we may earn an affiliate commission.

New York experiences hot, humid summers and freezing winters. That means your home’s HVAC system works year-round to protect you from the elements, which can cause it to break down from regular use over time. If you want the convenience of someone else finding a technician or you don’t have adequate funds saved for unexpected repairs, you may benefit from a home warranty. Home warranties cover major system and appliance breakdowns that result from normal wear and tear.

Our team reviewed the best home warranty companies in the United States. We chose the top providers in New York based on coverage limits, customer service, costs, and additional perks.


Top Home Warranty Companies in New York

Below are our recommended home warranty companies for homeowners living in New York:

All pricing information in this article is based on a single-family home (smaller than 5,000 square feet) in Scarsdale, New York. Your pricing may vary depending on your home’s size and type, your location, and your chosen plan and add-on coverages.

Compare New York’s Top Home Warranty Companies

Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
Best Add-On Variety
Flexible Coverage
Best Budget Coverage
Best for Systems Coverage
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$39.99–$79.99 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49–$60 $65–$125 NR VISIT SITE
Elite Home Warranty Elite Home Warranty
$55–$75 $70 A+ VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B VISIT SITE
First American Home Warranty First American Home Warranty
$45–$70 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $39.99–$79.99
Service Fee $100–$125
BBB Rating B
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating NR
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost $55–$75
Service Fee $70
BBB Rating A+
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $45–$70
Service Fee $75–$125
BBB Rating B

American Home Shield

Coverage Overview

American Home Shield (AHS) offers generous home protection via three protection plans. Each plan has two service call fee options, which can raise or lower your monthly premium. For those who own older homes, AHS covers rust, corrosion, and sediment damage, plus items with undetected preexisting conditions.

American Home Shield pairs the ShieldSilver and ShieldGold plans with a $5,000 systems cap and a $2,000 appliance cap per covered item. The ShieldPlatinum plan doubles its appliance coverage cap to $4,000 per covered item. AHS’s service call fees are $100 or $125 per filed claim.


We highlighted American Home Shield’s three coverage plans below.

ShieldSilver ($119.99–$129.99 per month): ShieldSilver covers home systems, including doorbells and chimes, garage-door openers, ceiling fans, ductwork, attic and built-in exhaust fans, faucets, toilets, whirlpool tub motor components, water heaters, heating units plus interior electrical lines, main breaker and fuse panel boxes, electrical systems, plumbing, air conditioning, heating systems, plumbing stoppages, and interior plumbing lines. 

ShieldGold ($139.99–$149.99 per month): The ShieldGold plan covers the same items as ShieldSilver plus major appliances, including built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, instant cold and hot water dispensers, ovens, cooktops, ranges, and refrigerators. 

ShieldPlatinum ($169.99–$179.99 per month): The ShieldPlatinum plan covers all the same items as the ShieldGold plan, plus plumbing system modifications, refrigerant recapture, and roof-leak repair.

Read more: American Home Shield Review

Liberty Home Guard

Coverage Overview

Liberty Home Guard (LHG) is our top home warranty provider for New York homeowners. It offers customizable coverage with more than 30 unique add-ons, including coverage options such as pest control and septic systems. It has a $2,000 coverage cap per covered system and home appliance.

LHG also extends a 60-day workmanship guarantee, which is double the industry standard of 30 days. Additionally, LHG includes coverage for second heating systems and air conditioners in its basic plans. Most providers only offer second-unit coverage as an add-on.

Liberty Home Guard assigns a service call fee that ranges from $65 to $125, depending on your home’s type and size, your location, and your coverage and add-on selections.


We highlighted Liberty Home Guard’s three plan options below.

Appliance Guard ($49.99 per month): Appliance Guard is LHG’s appliance plan. It covers built-in microwave ovens, ceiling and exhaust fans, clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ranges, ovens, cooktops, and refrigerators with built-in ice makers.

Systems Guard ($54.99 per month): Systems Guard is LHG’s systems plan. It covers six systems: water heaters, ductwork, air conditioning, plumbing, and heating and electrical systems.

Total Home Guard ($59.99 per month): Total Home Guard is LHG’s comprehensive coverage plan. It covers everything in the Appliance Guard and Systems Guard plans.

Read more: Liberty Home Guard Review

Select Home Warranty

Coverage Overview

Select Home Warranty is our final recommendation for New York homeowners. Select provides three competitively priced coverage plans and solid HVAC system coverage. It conveniently pairs each plan with roof-leak repair coverage. It also offers a low $60–$75 service call fee.

Select offers variable coverage limits per covered system and appliance. For example, it pairs air conditioning and heating systems with a $3,000 coverage cap. It limits all other covered systems and appliances to $500 per covered item.

Regarding customer service, some customers noted that Select is difficult to reach over the phone when filing a claim. That said, we recommend Select if you only need HVAC systems coverage. There are better options for total home protection.


Below is a coverage overview of Select Home Warranty’s plans:

Bronze Care ($44.42 per month): The Bronze Care plan covers built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, ovens, refrigerators, and stovetops.

Gold Care ($44.42 per month): The Gold Care plan protects ductwork systems, water heaters, cooling and heating systems, plumbing, and electrical systems.

Platinum Care ($47.75 per month): The Platinum Care plan covers all items listed in the Bronze Care and Gold Care plans.

Read more: Select Home Warranty Review

AFC Home Warranty

Coverage Overview

=AFC Home Warranty is another reputable provider for New York residents. AFC extends a plan-length workmanship guarantee for added peace of mind. It offers four plans and three service call fees ($75, $100, or $125) for additional flexibility. You can adjust your monthly premium by choosing a higher or lower service call fee.

AFC Home Warranty assigns different coverage caps to items. For example, it has a $3,000 per-item coverage limit on appliances and an unlimited coverage cap on certain systems. We recommend reading AFC’s service contract to understand all applicable coverage limits.


Below are AFC Home Warranty’s home warranty plans and monthly prices.

Silver Plan ($48.83–$55.17 per month): The Silver Plan protects major appliances, including clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators. 

Systems Plan ($58.33–$64.75 per month): The Systems Plan covers built-in systems, such as ductwork, air conditioning, electrical, plumbing, water heaters, and heating systems.

Gold Plan ($67.92–$73.33 per month): The Gold Plan covers every system and appliance included in the Silver and Systems plans.

Platinum Plan ($73.33–$80.67 per month): The Platinum Plan is AFC’s most comprehensive plan. It covers all the same items as the Gold Plan, plus built-in microwaves, faucets, ice makers, and plumbing stoppages.

Read more: AFC Home Warranty Review

New York Regulations

The New York State Department of Financial Services (DFS) regulates home warranty companies in the state. The state protects consumer interests in various ways, and Chapter 28, Article 79 in particular addresses service contracts. Among other regulations, the DFS requires home warranty providers maintain reserve funds for claims payouts.

If you have a home warranty in New York and believe your provider has not honored your contract, you can file a complaint with the DFS.

Along with government oversight, home warranties self-regulate via industry associations. For example, the National Home Service Contract Association (NHSCA) is a nonprofit industry organization consisting of member companies that follow a code of ethics for fair business practices.

Our Recommendation

Whether you live in a condo in New York City or a single-family home in Buffalo, it’s important to protect your home’s essential systems and appliances. A home warranty takes the guesswork out of finding a reputable service provider when a system or appliance breaks down.

We recommend Liberty Home Guard for its generous HVAC system coverage and additional coverage options. For those who want comprehensive coverage, we recommend American Home Shield. Another top choice is AFC Home Club due to its plan-length workmanship guarantee. Before signing up for a plan, we suggest pulling quotes from three providers to compare coverage options, exclusions, and costs for your home.


What is considered normal wear and tear?

“Normal wear and tear” is a phrase used in the home warranty industry to describe deterioration due to regular use over time. This applies to appliance and system breakdowns that occur from normal use. It does not apply to breakdowns that result from tampering by the homeowner or improper installation and maintenance.

Is a home warranty required in New York?

A home warranty is not required in New York.

Do home warranties cover other types of home items?

Yes, home warranties cover many home items besides common systems and appliances. For example, home warranties can cover pools and spas, septic systems, sump pumps, stand-alone freezers, and more. Generally, providers cover these items as add-ons. Check your provider’s sample contract to see what add-on options are available.

How often do I have to pay my service call fee?

Typically, you are required to pay your provider’s service call fee each time you file a new claim. However, reputable providers won’t charge an extra service call fee if your completed repair has issues again within 30 days. Some providers extend their repair guarantee past the industry standard of 30 days.

Why is there a waiting period before my home warranty coverage begins?

Most home warranty companies have a waiting period of 30 days before coverage begins to ensure your system or appliance breakdown is from normal wear and tear and not a preexisting condition. Home warranty providers won’t cover an already-broken item.

How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.