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Top Home Warranty Providers In New York
Review the Best Home Warranty Providers in New York
To find the best home warranty companies in New York, we looked at features like monthly pricing and service fees, policies, contractor choice policies and more.
Best New York Home Warranty Company Reviews
2-10 Home Buyers Warranty
Best for Customization
2-10 Home Buyers Warranty
Editor’s Take
2-10 Home Buyers Warranty delivers a well-spread lineup of home warranty plans tailored to New York households. Whether you’re managing a listing, building a home or moving into one, this provider offers packages starting at $32 that range from appliance-targeted plans to broad-spectrum coverage options for deeper protection.
Learn more: 2-10 Home Buyers Warranty review
Why We Picked It
2-10 Home Buyers Warranty outdid the competition thanks to its pricing model and its adjustable fee system. You can design your monthly premium by pivoting your service fee level, which could be a great perk for homeowners wanting more cost control. Another important feature is the company’s efficient support, offering protection for homes from start to finish.
Why We Like It
2-10 Home Buyers Warranty allows you the opportunity to choose which aspects of a home warranty you care about. Want a low premium? You can opt for a higher service fee. Really want protections for your kitchen appliances? There’s a plan for that. We also like some of the more unique aspects of the company, such as its protection of filters and alarm systems with its highest-coverage plan.
What We Don’t Like
While this company allows building flexibility, you’ll need to ask permission before submitting a work order for repairs. Be aware that those cancellation terms are not especially light. There’s a $25 fee in the first 30 days, which jumps to 10% of the full contract after that.
Who It’s Best For
We think 2-10 Home Buyers Warranty is a solid option for many homeowners in New York, especially those who are looking for control over the service fees and premium costs.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Premiums and service fees are flexible
- Choose your own technician (with 2-10’s prior approval)
- Options for home sellers and builders
- Limited contractor freedom without authorization
- Pricey and complicated cancellation policy
2-10 Home Buyers Warranty Plans and Coverage
- Simply Kitchen: Designed for homeowners who only need specific protection, the Simply Kitchen plan covers essential kitchen appliances like your refrigerator, dishwasher, oven and range. Monthly premiums start at $32 and can reach $41, depending on the service fee you select.
- Complete Home: The Complete Home Package is a blend of systems and home appliance coverage with heating and cooling, kitchen appliances, electrical and plumbing. This can come in handy with New York’s frigid temperatures and keep your home comfortable. This plan’s premium will also vary by the service fee you choose, ranging from $52 to $61, according to our research.
- Pinnacle Home: If you’re looking for the most comprehensive coverage, the Pinnacle Home plan combines the Complete Home package with washer and dryer protection, higher coverage limits and add-on coverage for filters and alarms. It’s ideal for those looking for maximum peace of mind.
Add-On Options:
- Well pump
- Water softener
- Saltwater pool
- Washer and dryer
- Luxury coverage (increases payout limits)
- HVAC surplus (max HVAC coverage)
- Garage door opener
- Extended pipe leak
- Freshwater pool
- Roof leak
- Septic system
- Additional freezer
- Additional wet bar refrigerator
- Additional wine cooler
- Second additional refrigerator
- Second additional wine cooler
- Second additional freezer
- Second additional wet bar refrigerator
- Supreme (additional coverage)
- Preseason HVAC tune-up
Liberty Home Guard
Best Cost and Plan Options
Liberty Home Guard
Editor’s Take
Despite being newer than most competitors, Liberty Home Guard has earned a strong reputation in just a short time. Homeowners can choose from three plan levels including appliance-only, systems-only and combo coverage, and have flexibility when it comes to service fees. With Liberty, it’s all about options.
Learn more: Liberty Home Guard review
Why We Picked It
There’s a lot to like about Liberty Home Guard, including the fact that you can pick your own contractor. It was also a plus to see the company include coverage for manufactured homes and rentals.
Why We Like It
The company has one of the longest lists of home warranty add-ons in our New York ranking, with optional coverage for gutter cleaning, pest control and second refrigerators. You can also add window washing, which can come in handy if you live on the coast in New York. Liberty also offers a range of ways customers can contact the company, including by phone, text and chatbot.
What We Don’t Like
Liberty charges a $50 non-refundable cancellation fee, which can feel high. Also, the $2,000 payout cap per covered item may mean partial coverage for bigger-ticket items. It’s important to read the fine print if you’re protecting older or high-end systems.
Who It’s Best For
Liberty is a strong pick for homeowners who want a custom-fit warranty. It’s also worth considering if you’re open to paying a bit more for robust coverage. Renters, landlords and manufactured home owners may find its range of support especially appealing.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Two all-in-one plan options
- No cancellation fees
- Round-the-clock availability via phone
- Homeowners can’t choose their own contractor
- Consumer sentiment varies by source
Liberty Home Guard Plans and Coverage
- Appliance Guard: Covering nine common home appliances, this plan includes items like washers and dryers. Monthly costs begin at $49.99.
- Systems Guard: Systems Guard starts around $55 and covers six home systems, including electrical and heating, which is helpful in New York, which sees cold temperatures in winter.
- Total Home Guard: For combined coverage, Liberty also offers the Total Home Guard plan, which protects your home systems and appliances. With this plan you’ll get coverage for home features like fridges, ceiling fans and your heating and cooling systems.
Add-On Options:
- Carpet cleaning
- Trash compactor
- Second refrigerator
- Light fixtures
- Electronics protection
- Central vacuum
- Window washing
- Septic system pumping
- Freestanding ice maker
- In-fridge ice maker
- Plumbing fixtures
- Stand-alone freezer
- Instant hot water dispenser
- RO water filter system
- Sump pump
- Ejector pump
- Grinder pump
- Water softener
- Automatic lawn sprinkler system
- Saltwater pool
- Roof leak limited coverage
- Well pump
- TV mounting up to 65-inch
- TV mounting up to 85-inch
- Wine cooler
- Water dispenser line
- Swamp cooler
- Gutter cleaning
- Re-keying
- Pool and spa
- Exterior floor power washing
- Additional spa
- Generator
- Guest unit up to 750 square feet
- Pest control
Home Warranty of America (HWA)
Best Service Response Times
Home Warranty of America (HWA)
Editor’s Take
Founded in 1996, Home Warranty of America (also known as HWA) has nearly three decades in the home warranty industry. Plans begin around $47 per month, with varying service fees of $75 and $100. You’ll have your choice of two plans depending on your desired level of home protection in New York.
Learn more: Home Warranty of America review
Why We Picked It
We appreciate that this company has coverage for niche home items including water softeners and issues like code violations. Both of its plans also cover home systems and appliances, and don’t have age limitations on the items they cover.
Why We Like It
HWA has many features that seem designed to make customers happy. For instance, the company aims for a 48-hour response time for all service orders. The home warranty company also has plans within its add-ons like GreenPlus, which allows you to qualify for energy-efficient replacements for covered items.
What We Don’t Like
You won’t find major appliances like your washer and dryer included in the base plan, which feels slightly limited for those expecting full coverage upfront. And while the simplicity of two plans can be a plus, it also means fewer choices for homeowners who have more specific needs or older systems that require special attention.
Who It’s Best For
This warranty works best for people who want affordable home coverage. It’s especially useful for those with mid-aged systems that don’t need heavy-duty repair coverage.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Two plans that cover appliances and systems
- Unique add-ons
- Aims for 48-hour response time
- No option to choose your own contractor
- AC only covered by highest plan
Home Warranty of America (HWA) Plans and Coverage
- Select: With the Select Plan, customers get “basic” coverage for eight home systems and appliances (what “basic” is defined as will vary depending on the item), in addition to protection for nine other home features. Notable items in this plan are water heaters and heating systems, both of which get basic coverage, and standard coverage for electrical systems, ductwork and central vacuums.
- Select Plus: The provider’s upgraded plan boosts coverage for items like your dishwasher; microwave and water heater. It also adds coverage items like your washer and dryer and AC system.
Add-On Options:
- Well or septic pump
- SEER modification
- Pool and spa
- Septic system
- GreenPlus
- OrangePlus plan coverage including:
• Re-keying
• Increased maximum coverages
• Code violation
• Permits
• Water softener
• Disposal
American Home Shield
Best for Unique Home Features
American Home Shield
Editor’s Take
With over half a century’s worth of experience, American Home Shield is certainly a tenured company with a “been there, done that” reputation that precedes it. AHS has done it all and customers can rely on three thorough coverage options that starts at $29.99 and can reach up to $79.99 for their top-tier package.
Learn more: American Home Shield review
Why We Picked It
We like that American Home Shield provides a raised coverage cap (up to $4,000) for protected appliances. In New York, policyholders can choose between monthly or annual contracts. We respect its tiered plan approach, providing everything from systems-only coverage to all-encompassing plans. Bonus: Even its lowest-tier plan offers coverage for your HVAC system, which is necessary in New York’s frigid winters.
Why We Like It
American Home Shield stands out in New York with interesting offerings such as coverage for code issues and preexisting defects. The company also extends coverage to those in condos, mobile homes and manufactured housing. AHS typically processes claims in New York within 24 to 48 hours and offers an optional video diagnostics feature to help speed up repairs. Even the lowest plan includes HVAC coverage, a vital asset during New York’s seasonal temperature swings.
What We Don’t Like
Choosing your own technician is allowed with AHS, but the approval process for coverage can be tricky. If you cancel after 30 days, you may also need to pay an administrative fee of up to one month’s premium.
Who It’s Best For
American Home Shield is a good choice for those who may have home types like condos or manufactured homes and those who want the option of high coverage caps on appliances.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Offers affordable entry-level plans
- Specialized coverage for non-traditional homes
- Allows protection for those pre-established issues like code violations
- If you’re bringing in your own repairman you’ll have to get approval before work start
- You will be responsible for a fee if you terminate after the first 30 days
American Home Shield Plans and Coverage
- ShieldSilver: This starter plan begins at $29.99 per month and covers 14 fundamental components such as HVAC, plumbing and electrical.
- ShieldGold: With coverage that reaches up to 23 systems and appliances, including washers and dryers, this plan starts at $49.99.
- ShieldPlatinum: The top plan at AHS will cost you $80 to start out and layers in a $4,000 appliance repair cap, a $1,000 roof leak allowance and a yearly HVAC tune-up.
Add-On Options:
- Pool and built-in spa equipment
- Septic pump
- Well pump
- Guest units up to 750 square feet
- Roof leak
- Home electronics package
ARW Home
Best Value
ARW Home
Editor’s Take
ARW Home has three plans designed to cover your New York home’s systems and appliances. One plan, the Kitchen Plus Plan (which starts at $39.99), focuses on kitchen systems and appliances. Its remaining plans, the Platinum Plan and Platinum Plus (which start at $64.99 and $74.99), combine more home systems and appliance coverage, with the top plan being the most comprehensive.
Learn more: ARW Home review
Why We Picked It
ARW Home stands out for offering clear, easy-to-understand plans that allow New York homeowners to choose coverage based on their priorities and home needs. The company also provides valuable add-on options, including pool and spa coverage, as well as water and sewer line protection, making it a competitive force for homes with more complex needs.
Why We Like It
We appreciate ARW’s non-automatic exclusion policy for aged homes, which is a niche plus that many competitors do not offer. As long as your appliances and systems are still working, they can typically be serviced by ARW. We also love that customers can select their own technicians.
What We Don’t Like
There’s a $45 cancellation fee, and some policyholders report needing to cancel by mail, a process that feels inconvenient. If you value instant account management, you may want to confirm the policy details ahead of time.
Who It’s Best For
ARW Home is a solid choice for New York homeowners who are starting out with kitchen-focused coverage, or homeowners living in an older home who want a plan that doesn’t penalize them based on the age of their appliances or systems. Its customizable coverage makes it ideal for buyers who want to ensure the essentials are covered while also having the option to expand.
Consumer Sentiment Index and Survey Results
Pros & Cons
- Provides electronics coverage in optional plan
- 30-day workmanship guarantee
- $55 service fee for electronics
- No online quotes
- May send you to Lowe’s technicians for a repair
ARW Home Plans and Coverage
- Kitchen Plus: ARW Home’s basic plan begins at $39.99 and offers targeted coverage for key kitchen systems and appliances, including refrigerators, garbage disposals, electrical systems and water heaters. Service fees are said to range from $55 to $125, though we’ve seen $125 as a flat-rate service fee as well, so we recommend reaching out to the company directly for exact pricing.
- Platinum: This balanced plan generally starts at $64.99 per month and includes protection for home systems such as HVAC, electrical, water lines, plumbing and more. This plan offers more comprehensive protection than the Kitchen Plus plan.
- Platinum Premier: This is ARW’s top offering, starting at around $75 monthly. It builds on the Platinum Plan by including humidifier and ductwork coverage, making it ideal for those seeking maximum protection.
Add-On Options:
- Sewer line protection
- Electronic devices package
- Spa or pool coverage
- Water line
Other Home Warranty Companies We Considered
- AFC Home Warranty: This company stands out as an excellent home warranty provider choice, thanks to its offering of four policy options—more than many competitors—created to feel tailored to each customer in New York. Plans start at $41 monthly for the Silver Plan, which includes major appliance coverage, and go up to $95 monthly for the Diamond Plan, which provides comprehensive protection for 22 home systems and appliances. However, if you have preexisting issues, this company won’t cover them.
- Choice Home Warranty: Choice Home Warranty has been in business for over a decade and keeps things simple by offering two plans: the Basic Plan and the Total Plan. With the first plan, which starts at roughly $47 per month, you’ll get coverage for common home appliances and systems. The Total Plan starts at $55 and ups the coverage to additional items. However, you won’t be able to pick your own contractor.
How Much Does a Home Warranty Cost in New York?
Based on a current survey of 1,800 home warranty policyholders, 86% of respondents said they spent between $801 and $900 annually on premium costs—that’s about $70 per month.
While monthly premium rates typically fall between $27 and $100, the national average lands around $60. But don’t forget to factor service fees into your total spending—they’re what you pay each time a contractor comes out to complete a repair. These usually range from $65 to $150 per visit and can affect your monthly premium depending on the plan’s structure.
Despite these charges home warranties can save you money if you have frequent repairs, as water heater repairs can cost $600 on average.
Your actual home warranty rates in New York will depend on the coverage option and company you select. Plans that offer extensive coverage or include high-use systems like HVAC tend to be pricier than entry-level ones. If you want to include coverage for things like roof leaks or corrosion—especially relevant in coastal New York—expect to pay extra. Still, with freezing winters in the mix, it may be worth paying a bit more upfront to avoid hefty out-of-pocket service expenses later.
Is a New York Home Warranty Plan Worth the Cost?
Home warranties can be worth it in New York, but it depends on a few factors.
If you have a brand-new home with lots of items still covered under a warranty, or you’re especially handy and confident that you’ll be able to fix home repairs, then a home warranty may not be worthwhile for you.
However, if you have an older home with appliances and systems that are not covered by builders’ or manufacturers’ warranties, then a home warranty can be worth the cost in the case of unexpected repairs. In this case, it’s wise to compare the costs of a home warranty (both premiums and service fees) with average repair costs for home items in New York.
If you are thinking about maintaining other items besides the washer with a home warranty, your plan can authorize repairs for a wide array of items for one monthly fee, plus a fee for each visit that is typically much smaller than you’d pay on your own.
Home warranties can also be worth it for peace of mind—if your heater breaks during the dead of a New York winter, a home warranty company can send over a trusted pro to perform a repair. If your system and repairs are included under your plan, you’ll only need to pay the service fee.
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Choosing a New York Home Warranty Company
Though there are some of key central features that every home needs coverage for, selecting a home warranty plan is still a deeply personal choice. Homeowners in New York should consider location-specific aspects like weather patterns and local service availability. Considering all of this can help you identify a home warranty plan that truly fits your needs and offers the peace of mind you need.
Coverage of Your HVAC System
Most home warranty companies offer comprehensive coverage for your HVAC system (a.k.a the heating, cooling and ventilation system). Even if you aren’t in a particularly hot part of New York, those one-off heat waves and winter chills can quickly remind you how important an efficiently running HVAC system is. HVAC repair costs can be around $400 on average, though it depends on what needs to be repaired, as the full cost range is $100 to over $2,500. Though these repairs can be expensive, you shouldn’t run the risk of your HVAC kicking the bucket during an extreme winter storm.
Know Your Coverage Needs
To get the most out of a home warranty, start by identifying your household-specific coverage needs. Consider which home systems or appliances are likely to need attention soon (particularly those that are aging or approaching the end of their lifespan). Take stock of what’s relatively new and may still be protected by a manufacturer’s warranty.
It’s also smart to weigh which systems or repairs could be especially disruptive to fix, such as electrical wiring, plumbing or large appliances.
Once you’ve built a clear picture of your home’s needs, compare it against what home warranty companies cover. Matching your priorities with what different providers offer—and what fits your budget—can help ensure you choose a plan that’s truly worth the investment.
Review Coverage Exclusions and Limits as well as Sample Contracts
Before you choose a home warranty provider, take time to explore the sample contracts they often showcase online. These sample contracts can offer you a clearer picture of what you’re signing up for, including key insights like cancellation fees, renewal conditions, and—most importantly—coverage exclusions.
For example, a provider may cover roof leaks, but only when the damage is caused by normal wear and tear and only up to a capped amount, like $5,000. Knowing specifics like that early allows you to reach out to the company with questions before committing. These limitations are especially relevant in New York, where severe weather can add wear and tear to systems like HVAC or appliances that may already be aging. Be sure to review those sample contracts carefully—they’ll help you toward a more informed decision and prepare you for what to expect during a winter storm or any other high-stress scenario.
Review Your Budget Against Each Company’s Costs
Monthly costs on top of annual premiums will dictate which plans are within your budget. From there, you can simplify your list of possible companies and compare plan pricing. Our team recommends comparing several companies’ pricing and plan models to gain a clearer picture of which will best suit you and your home.
Check Reviews
Customer reviews are an important part of determining which home warranty company is best for you in New York. We suggest reading through recent reviews (from the past year or so) to get the most accurate picture of things. Other tips include looking into specific keywords you’re particularly interested in (such as “washer repair” or “cancellation fee”) and seeking out reviews from other homeowners in New York. Referrals can also be helpful here so be sure to ask friends and family in your area to see if they have a plan they’d recommend.
New York Home Warranty Regulations
Home warranties are regulated in New York by the New York Superintendent of Financial Services.
Home warranty companies in New York are regulated by the New York Superintendent of Financial Services. You can find helpful information about home warranty service contracts on the department website and file any complaints there.
What Does a Home Warranty Cover in New York?
In New York, most home warranty providers offer broad coverage of most home systems and appliances, but overall, coverage depends on the specific company you’re working with, the plan you select and any additions. You’ll notice that many providers offer tiers of coverage; some tiers only cover basic systems or appliances, while others broaden the scope to a mixture of appliance and system coverage.
Typically, your home warranty provider will provide coverage for maintenance-focused repairs. For example, if your AC system kicks the bucket, you may have it covered under your home warranty plan. Check your contract for what is and isn’t covered.
What Does a Home Warranty Not Cover in New York?
Equally important as knowing what your home warranty plan covers is what it doesn’t. As mentioned above, home warranty plans cover specific appliances and/or systems for repairs and replacements, but just because an appliance, system or other part of your home is listed under your plan doesn’t mean a repair or replacement will be fully covered.
For one, the reason for repair often makes a difference. These types of plans won’t necessarily help if a coastal flood damages your home (that’s where home insurance would often come in), or if the reason for the issue is human error. Home warranties are meant to be used for issues due to wear and tear, not necessarily for fixing damage.
Similarly, you may run up against coverage limits, so if you live on the coast of New York and the salty air has corroded parts of your home, your home warranty company may only cover so much of the repairs, even if you have corrosion coverage. Situations like these are why noting coverage limits is so important.
If you have any concerns about coverage limitations or questions about certain repair situations, we recommend contacting your home warranty company.
Forbes Home Warranty Survey Results
To get a clearer picture of home warranty trends in New York and nationwide, we surveyed 1,800 homeowners who have been enrolled in a home warranty within the past year. Homeowners in the Northeast offered valuable data on how they feel about home warranties in general, what they think of the companies they currently hold a policy with and what they use their plans for.
- Regarding coverage, heating was the most commonly included system in home warranty plans across the Northeast, followed by electrical.
- When it came to satisfaction, 95% of home warranty customers in the region said they were satisfied with the outcome of their service requests.
- If you’re new with the home warranty space, you’re not the only one—73% of policyholders in the Northeast reported this being their very first home warranty plan.
- Looking ahead, 84% of homeowners in the Northeast said they plan to re-up their warranty coverage once their existing contract comes to an end.
Find the Best Home Warranty Companies in Other States
Looking for a home warranty in a state other than New York? Select your state from the list below to find the best companies that cover homes in your area.
Methodology – How We Ranked Home Warranty Companies
To determine the home warranty companies ranking, the Forbes Home editorial team analyzed 19 companies and 58 plans, with each company’s star rating determined by evaluating several metrics and subcategories, including years of experience, signup and restrictions, plan pricing, fees and discounts, coverage features and more. We also utilize our in-house consumer sentiment analysis which includes over 146,000 first-person insights as well as our net promoter score survey (NPS), in which our team asked over 1,800 policyholders about their home warranty, to come to the conclusion of the best home warranty company.
You can find out more about how Forbes Home rates home warranty companies in our detailed methodology page.
Please note: Products or services on this list may not be shown in order of their star rating. The star rating is determined solely by the editorial team.
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Frequently Asked Questions (FAQs)
What factors should I consider when shopping for a home warranty in New York?
When choosing a home warranty plan, you’ll want to consider factors like premiums and service fees, what items are covered, coverage limits, company reviews and more. In New York specifically, because of its tendency toward extreme cold, we’d also recommend considering companies with robust HVAC plans to help keep your home comfortable. Because of New York’s situation on the coast, if you live near the water, you may also want to look into plans that include corrosion coverage.
How does a home warranty work?
Generally, home warranty plans operate by customers enrolling in a plan that covers a specific set of home systems (such as HVAC, electrical and plumbing) and/or appliances. You’ll pay a monthly premium whether you use your plan or not. If one of these items listed in your plan needs repair or replacement, you’ll pay a preset service fee to have a professional assess and fix the problem. If the issue is covered under your plan and lower than the coverage limit for that item, that may be the only fee you’ll pay for the issue.
Some plans may work slightly differently, whether you pay for a year upfront or get reimbursed for covered repairs, so we recommend reaching out to the home warranty company for a full lay of the land.
Does a home warranty cover existing problems?
Whether or not a home warranty will cover preexisting conditions will vary by plan and by company. If you’re aware of ongoing problems with home systems and appliances you plan to cover with your home warranty plan, we recommend speaking with any home warranty company you’re considering in New York. They can give you more personalized info, including monetary coverage limits and note which issues aren’t covered.