12 Min to Read

9 Best Home Warranty Companies in New York of 2021

Jackie Maroney

Jackie Maroney

PropertyNest named these seven companies the best home warranty companies in New York. Find out why they're the best home warranty companies and how they can best protect your home.

Purchasing a home warranty might save you a lot of money in the long run, especially if you have a number of pricey appliances and home systems in your New York apartment or house.

PropertyNest did the research and put together the best companies that offer solid plans and service for all five boroughs of New York City.

The Best Home Warranty Companies for NYC

  • American Home Shield: Best Overall

  • Choice Home Warranty: Best Service

  • Upsie Technology: Best Home Tech Coverage

  • American Residential Warranty: Best Flexibility

  • The Home Service Club: Best Reliability 

  • AFC Home Club: Longest Work Guarantee

  • Global Home ProtectionBest For Multiple Properties

  • Cinch Home ServicesBest Coverage For Appliances And Systems

  • Liberty Home GuardBest Price-Friendly

Best Overall: American Home Shield

Being in the home warranty industry for more than 45 years, American Home Shield provides their customers with four coverage plans, 24/7 customer support, as well as discounted prices on name-brand appliances.

What Kinds of Coverage Does American Home Shield Offer?

Systems Plan provides protection for 12 major home systems like air conditioning, heating systems, water, and more.

Appliances Plan this covers 10 essential appliances like the refrigerator, washer, and dryer.

Combo Plan this plan protects both home systems and appliances covered under the Systems and Appliances Plans.

Build-Your-Own Plan this plan allows customers to pick out 10 items to cover under protection.

What Are The Benefits?

  • 30-day guarantee for labor
  • The ability to customize plans and service fees
  • Generous coverage caps for appliances and certain major systems

How Much Does American Home Shield Cost?

While there isn’t a set price for the Build-Your-Own Plan, customers usually pay about $55 a year plus the $75 service fee. You are able to choose your own service call fee of $75, $100, or $125.

The monthly premium will change depending on which service fee you choose, which can range from about $35-$60.

The good news is that American Home Shield is very transparent with its pricing.

You can pick up to 10 appliances to be covered under this plan. For each additional item added, there is a $2 charge.

Best Service: Choice Home Warranty

Choice Home Warranty offers a broad range of options on household appliances and systems. It is also a great idea for older homes likely to need more repairs since this company does not deny coverage based on how old your home, systems, or appliances are.

Industry experience, technology, and quick growth all helps Choice Home to schedule appointments in a timely manner while providing their customers with the utmost support.

How Does Choice Home Warranty Work?

Choice Home Warranty provides a 30-day guarantee on their technician’s labor and a 90-day guarantee on parts.

If a problem happens with the repaired item while it is under guarantee, the customer will not need to pay for another service call fee to get the item fixed.

If an issue should arise, you can log in to the online account center or call the 24/7 call center to report the problem.

Choice Home Warranty will then contact one of their technicians within 48 hours from when the report was placed.

What Are The Plan Options?

Choice Home Warranty offers two different coverage options: Basic and Total. The Basic Plan covers 14 home systems and appliances.

If full coverage is needed for major items, the Total Plan has everything that the Basic Plan does plus coverage for your central air conditioning system, refrigerator, washer, and dryer.

How Much Does Choice Home Warranty Cost?

Customers get the first month free upon signing with Choice Home Warranty.

The price may vary depending on where you live, but the basic plan usually costs $36.17/month and the total plan is $43.85.

Their service fees are between $60-$85 while a lower service fee typically means that there will be a higher monthly premium.

Best Home Tech Coverage: Upsie Technology

Nowadays, our homes are filled with technology and digital devices which go beyond our appliances and TVs.

Upsie specializes in what's most important to us in our homes.

What Does Upsie Cover?

While you won't find warranty coverage for your HVAC system, you will find coverage for a wide variety of household devices and appliances, which include devices that we normally think of such as appliances, TVs, smartphones and tablets, laptops and computers, and cameras.

However, Upsie also covers tech not often thought of such as monitors, smart home tech like thermostats/wifi routers, power tools, outdoor appliances, gaming equipment, beauty/grooming tools, and much more.

Why is Upsie Better than Home Insurance or a Store Warranty?

Upsie offers 2-year protection for all your home electronics, devices, and appliances for generally a lower price than any manufacturer's or store warranty with a smaller deductible.

While homeowners insurance is a must for your home and does offer some coverage for home electronics, accidental damage is not covered unless a part of a covered incident such as a fire, water damage (due to flooding), or theft.

Another bonus feature is that claims can be filed 24/7, and customers get the option of in-home repair or to ship out.

How Much Does Upsie Cost?

Pricing varies per item covered.

Prices start around $99 for a 2-year warranty on a used smartphone, with a $25 deductible. Payments can be broken down monthly.

Your warranty on a mid-priced refrigerator will cost you even less with a 3-year warranty starting around $87 with no deductible!

Best Flexibility: American Residential Warranty

American Residential Warranty has built a solid reputation with their customers based on customization, reliability, and affordability.

The Better Business Bureau has rated ARW with an A+ rating and based on more than 350 reviews, the customers seem to agree.

What Are The Benefits?

Not many home warranty companies let you pick out your own contractors when it comes to repairs, but ARW gives their customers free range.

A technician will be dispatched within 48 hours of the request, unless it’s an emergency. If so, the technician will be sent the same day.

ARW is wallet-friendly with service fees starting at $55 and plans starting at only $25 a month.

What Are American Residential's Plan Options?

American Residential Warranty provides seven plans for customers to pick from. These plans are:

  • Heating & Cooling
  • Kitchen Plus
  • Platinum
  • Platinum Premiere
  • 3 in 1 bundle
  • 4 in 1 bundle
  • Ultimate Electronics Protection

If a customer picks the 3 or 4 in 1 bundle packs, they are automatically qualified for coverage under both the Deluxe Advantage and Ultimate Electronics Plans.

If purchasing an eligible plan, the client is obligated to have the Deluxe Advantage Plan.

What is Covered Under the Deluxe Advantage and Ultimate Electronics Plan?

Items covered under the Deluxe Advantage include the following and more: refrigerant recapture, springs and tracks for garage doors, toilets and internal mechanisms, and A/C refrigerants and coils

Items covered under the Ultimate Electronics Protection plan include but are not limited to flat-screen televisions, tablets, gaming console, home theatre system.

How Much Does American Residential Warranty Cost?

A Platinum Premier Plan costs about $60 a month which includes coverage on items such as ceiling fans, built-in microwaves, range hoods, humidifiers, and more.

The Platinum Plan costs about $50 a month and includes coverage on dishwashers, garbage disposals, water heats, etc.

The Kitchen Plus Plan is around $35 a month and provides protection for the following items:

  • Built-in microwave
  • Dishwasher
  • Garbage disposal
  • Interior electrical system
  • Kitchen exhaust fan
  • Range/oven/cooktop
  • Refrigerator (ice maker excluded)
  • Water Heater

Heating & Cooling Plan costs close to $40 a month and includes central air conditioning & heating, humidifiers, and interior electrical system coverage.

Best Reliability – The Home Service Club

With plenty of positive reviews on large websites, The Home Service Club has a great reputation with its customers.

In addition, they have also won several awards such as Best in Service 2020 and 2018 Editor’s choice.

How Does The Home Service Club Work?

If an item should break down or suddenly stop working, The Home Service Club is widely accessible when it comes to submitting a claim.

Clients can submit claims via the contact form located on the company’s website, call by phone, or access your account from your mobile device.

Unfortunately, there is no online chat available, but the company has several official accounts on a few social media sites.

Once the home warranty coverage kicks in, you can start requesting services.

What Are The Plan Options?

There are two plan options when it comes to home warranties – Standard Coverage and Comprehensive Coverage, however, they also provide Real Estate Home Warranty Plans.

Standard Coverage protects the basics in case they suddenly break down.

The standard homeowner plan protects 18 necessary appliances and systems such as HVAC, water heater, refrigerator, and more.

The Home Service Club’s most popular plan is their Comprehensive Coverage which protects thirty-three systems and appliances, including everything that is under the Standard Coverage plan.

Some items that are covered include plumbing stoppage, hot water pump, doorbell, pest control, etc.

How Much Does Home Service Club Cost?

While the pricing isn't as set on their site and you will need to call for an exact quote, plans generally start around $500 a year, with the service fee ranging from about $65-$95.

Longest Work Guarantee: AFC Home Club

Usually, companies provide a guarantee of 30-60 days at most for any repairs/replacements, but AFC provides a guarantee that lasts for the duration of the plan.

This means that your appliances and systems are covered for up to three years, which is way more than the typical company gives.

What Are The Benefits of AFC Home Club?

Customers are entitled to special perks such as discounts on household items, home security, entertainment, restaurants, and more.

With any of AFC’s service contracts, customers are encouraged to take advantage of AFC’s free programs and discounted items and services.

Some vendors AFC has paired up with to provide these benefits include: MoneyTips, ADT, and Encompass.

What Are the Plan Options?

AFC offers four plan options: platinum, gold, silver, and system plans.

A System Plan includes coverage for systems such as: A/C, heating systems, water heater, ductwork and more. It does not include plumbing stoppages or any appliances.

The Silver Plan does not cover any systems but does cover appliances such as: washer/dryer, oven, refrigerator, and more.

The Gold Plan covers most systems except for plumbing stoppages and covers most appliances.

The Platinum Plan covers most systems, including plumbing stoppages as well as most appliances.

How Much Do AFC Home Club's Plans Cost?

Like the Home Service Club, AFC's pricing isn't set on their website and you will need to call for a custom quote.

However, you can expect service fees to start around $75.

Best For Multiple Properties: Global Home Protection

If you own property as a landlord or own a vacation home, Global Home Protection is a good option as they provide discounts for those than own more than one property.

What Are The Benefits?

Global Home Protection offers their customers flexibility as they can pick between covering their appliances, home systems, or both.

Customers can customize their plans even more with add-on coverages.

The only exception is that any complaint must be submitted within 24 hours in order to qualify for the warranty.

Global Home Protection also allows for policies to be canceled at any time, and you can transfer the home warranty easily to another person after the home is sold.

What Are Global Home Protection Plan Options?

There are three different plan types that Global Home Protection provides: Major System, Major Appliances, and Diamond.

Under the Major Systems Plan, no appliances are covered. However several systems are covered such as the air conditioning/heating systems, water heaters, electrical systems, plumbing systems, and plumbing stoppages.

The Major Appliances Plan covers most appliances such as washer/dryer, garbage disposal, oven, kitchen refrigerator, and more. This plan does not cover any systems.

The Diamond Plan covers a wide range of items such as plumbing stoppages, exhaust fan, garage door opener, ceiling fan, and more.

How Much Does Global Home Protection Cost?

While there is not much information on the prices of the plans, the service fee is $75.

You will receive one month free if you sign up with Global Home Protection, and their website is currently offering $200 off any plan upon signing.

Best Coverage For Appliances And Systems: Cinch Home Services

If you have a fairly large list of appliances and systems that need coverage, Cinch is the best option as they offer a wide range of appliances and systems.

What Plans Does Cinch Home Services Offer?

There are three different plan types: Appliances, Built-In Systems, and Complete Home.

The Appliances plan covers appliances such as washer/dryers, cooktops, dishwashers, and more.

It does not cover any systems.

The Built-in Systems plan does not cover any appliances.

However, it does cover a large amount of systems such as smoke detectors, garbage disposals, garage door openers, and more.

Complete Home includes everything from both the appliance and built-in systems plans.

What Is The Cost Of Cinch Homes Services Plans?

Pricing for monthly plans can cost anywhere from $65.99-$84.99.

There are no service fees, however, all services require a deductible payment upfront.

The customer is able to decide what they want their deductible to be as long as it is between $150-$500.

The customer’s budget and the state they live in are often determining factors when it comes to choosing a deductible.

Who Is Cinch Not Good For?

While Cinch provides coverage on an extensive list of appliances, their service limit for each plan is $10,000.

While Cinch is great for those that have multiple appliances that need protection, it is not good for those who may require frequent repairs and service.

Most Price Friendly: Liberty Home Guard

Liberty Home Guard is best for those looking for the most affordable option when it comes to purchasing a home warranty plan.

Their low service fees and affordable protection plans are perfect for anyone on a budget.

What Kind of Plans Does Liberty Home Guard Offer?

Liberty Home Guard offers their customers 3 plan options: Appliance Guard, System Guard, and Total Home Guard.

Under Appliance Guard, most appliances are covered such as garage door openers, ceiling and exhaust fans, dishwashers, and more.

No Systems are protected under this plan.

The System Guard covers all systems and no appliances. Certain systems that are covered include A/C and heating, ductwork, plumbing, and electrical.

The Total Home Guard does what it sounds like; it offers protection for both appliances and systems.

What is the Cost?

While the cost varies depending on your location, Liberty Home guard advertises their Appliance Guard and Systems Guard plans at less than $1 a day, while their Total Home Guard is allegedly $1.50 a day.

Who is Liberty Home Guard Best For?

Liberty Home Guard is best for new homeowners as home inspections are usually not thorough enough and can leave homeowners with a headache in the end.

However, Liberty Home Guard is also perfect for current homeowners as it protects systems and appliances despite how old it is.

How We Decided

When it came to determining the best home warranties in NYC, certain items were taken into consideration to help narrow down the choices.

Factors such as plan coverage, customer support, request turnaround time, and customer benefits/perks, were all looked at to ensure a respected, trusting relationship between the company and the customer.

We searched home warranty websites based on the factors above, including review sites, home warranty review sites, looked up the Better Business Bureau ratings, and more.

Customer Reviews

Customer reviews were used to eliminate companies and narrow down the options. The reviews also helped determine each category, as reviews with common themes about what they were looking for such as affordable pricing, accessibility, coverage, etc. were a common thread.

Better Business Bureau

The Better Business Bureau ratings were also taken into consideration when choosing home warranty companies to highlight. The Better Business Bureau prides itself on furthering trust in the marketplace between companies and customers. If a company did not have a Better Business Bureau rating, they weren’t completely disqualified if they had a large customer fan base.

What is a Home Warranty?

Ahome warranty is a contract that usually covers the repair and replacement of specific home appliances that were purchased with the house.

If the warranted item suddenly stops working due to wear and tear, it will be replaced/repaired for a discounted cost or in some cases, no cost at all.

Home warranties can offer plenty of benefits to the purchaser and can save hundreds of dollars if the correct research is done.

What a home warranty offers is different from what homeowners insurance does.

What they cover can but seldom overlap as the reasons for coverage are different.

How Does a Home Warranty Work?

If a customer has a system or appliance covered under warranty that suddenly stops working, they can file a report with the home warranty company via phone, mobile app, or online.

The home warranty company then dispatches an approved technician from their database to make an on-site visit to the client.

Usually, a service fee of $50-$125 may apply and the technician will determine if the item needs to be repaired or needs to be replaced.

Who is a Home Warranty Right For?

Often real estate developers will purchase a home warranty plan for a new home in order to make it more attractive to buyers.

This can be a great move for any regular seller who wants to entice more buyers as the home warranty can guarantee that many home repair costs will be covered.

A home warranty can also be very beneficial for a homeowner with appliances, heating systems, and fixtures that are no longer brand new or with expired manufacturer warranties.

What Is Important When Purchasing a Home Warranty in New York?

Before purchasing a home warranty there are a few things you should consider that could affect the type of plan or coverage you choose.

Where Your Home is Located

The geographic location of your home is important to think about as the climate varies, especially in upstate New York where the climate is much harsh when compared to New York City and Long Island.

Certain climates may require more in-depth coverage.

For example, if you were living in Buffalo New York, you would want to purchase the best coverage possible when it comes to heating systems.

The Age of Your Home

When purchasing a home warranty, it is important to consider the age of your house as that could help determine which type of plan you need.

For instance, if you bought a brand new house straight from the developer, you would most likely only need to purchase a basic warranty plan once your manufacturer’s insurance expires.

How Big Your House Is

The size of the house is important when it comes to home warranty.

If you have a large home, you may be eligible for optional coverage for an additional water heater, furnace, air conditioning unit, and more.