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Audited & Verified: Oct 31, 2024, 3:35pm
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| Staff EditorThere are more than 7.7 million occupied homes in New York, according to state data, and one trip to the Empire State will show you just how different each home and its needs can be. For instance, a brownstone in Brooklyn will likely require different repairs than a single-family home in Ithaca than will a condo in Buffalo. However, a home warranty company can help all of these homeowners handle repairs and issues that arise in their homes.
We reviewed the best home warranty companies in New York and ranked them based on factors like pricing, plan offerings and our Consumer Sentiments Index. Overall, we chose Liberty Home Guard as the best company in the state, but there are many worth considering.
Below, we’ll outline a bit about each and allow you to go deeper to help in your research. We’ll also go over some details about deciding if a home warranty is worth it.
We know that dozens of home warranty plans are available to homeowners, and sorting through all the fine print to choose the right one for your home can be frustrating. That’s why we’ve evaluated the top companies with comprehensive plans and compiled this list of the best home warranty companies to help you make an informed decision based on your home and budget needs. The Forbes Home team is committed to bringing you independent, unbiased ratings and information. We use proprietary data and expert advice to inform all of our content. Plus, our Advisory Board of licensed professionals fact-checks and reviews our content for accuracy and relevancy. You can read more about our editorial guidelines for the ratings below.
Featured Partners
1
Select Home Warranty
Plans Available
3
Response Time
Great
Number of States
46 + District of Columbia
2
Choice Home Warranty
Plans Available
2
Response Time
Excellent
Number of States
49 + District of Columbia
3
American Home Shield
Plans Available
3
Response Time
Excellent
Number of States
48 + District of Columbia
Key Takeaways
Overall, we chose Liberty Home Guard as our best home warranty company in New York, but our list has a wide range of great company options. Some other notable companies include 2-10 Home Buyers Warranty, which can be great if you’re interested in add-ons to customize your plan, and Home Warranty of America if you’re focused on simplified and easy-to-understand plans.
| COMPANY | FORBES HOME RATING | BEST FOR | LEARN MORE |
|---|---|---|---|
 4.9   | Best Overall | On Liberty Home Guard's Website | |
| 4.4  | Best for Add-On Coverage | Read Forbes' Review | |
| 4.2  | Most Straightforward Plans | On HWA's Website | |
| 4.1 | Best for Unique Home Features | On American Home Shield's Website | |
| 4.1 | Best Value Options | Read Forbes' Review |
Best Overall
Best Overall
Liberty Home Guard
Liberty Home Guard has only been around since 2017, but it’s made a big enough splash that we crowned it as the best home warranty company in New York. The company offers three plans and a lengthy list of add-ons and boasts fairly high customer satisfaction ratings.
Learn more: Liberty Home Guard review
Liberty is a well-rounded company overall that has features to satisfy most homeowner needs. It offers an appliance-only plan, a feature that is becoming increasingly rare in the home warranty industry, and with over 35 add-ons, you can easily create a plan that works for you.
Why We Like It
Another massive selling point that sets Liberty apart from the competition is that you can choose your own technicians, as long as you get preauthorization from the company. This is another fairly rare perk that we love to see. This flexibility combined with good customer feedback makes it a stand-out option in New York.
What We Don’t Like
As with any company, Liberty Home Guard has a few drawbacks. For one, some customers have raised concerns about working with the company, mentioning claim denials and slow response times. This isn’t uncommon, and its reviews are still positive overall, but it may be worth considering. Its plans are alson’t the cheapest on our list; however, depending on which you’re considering, they can be reasonably close to average.
Who It’s Best For
Liberty Home Guard is best for New York homeowners who value flexibility in a company, both in terms of plans and the ability to choose their own contractor (with prior approval).
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
Liberty Home Guard has mixed reviews overall. Some pointed out the good customer service and said they appreciated the quick help and quality communication. However, others mentioned delays in service, coverage limits and claim denials.
Liberty has three strategic plan options: The Appliance Guard plan starts at $49.99 per month and focuses on appliances (fridges, washers and dryers, etc.), and the Systems Guard plan is $54.99 per month and focuses on some systems (HVAC, electrical, etc.) The highest-tier plan, Total Home Guard, combines these.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Appliance Guard | $49.99 | $65 - $125 |
Systems Guard | $54.99 | $65 - $125 |
Total Home Guard | $59.99 | $65 - $125 |
Add-On Options:
Best for Add-On Coverage
Best for Add-On Coverage
2-10 Home Buyers Warranty
2-10 Home Buyers Warranty has many things for New York homeowners to like, including a 97% claims-paid rate, plan options for buyers and sellers and great add-on options. Like many of its competitors, 2-10 offers three plans, but one of these specifically focuses on kitchen appliances, which account for many common home repairs.
Learn more: 2-10 Home Buyers Warranty review
2-10 Home Buyers Warranty says one of its biggest pros is that the company offers specific protections for those buying or selling a home, including protections during the listing period. It also keeps its quote and claims processes delightfully simple.
Why We Like It
Another selling point of 2-10 Home Buyers Warranty is its reasonable plan prices—its lowest-tier plan starts at under $30 monthly. The company offers a wide variety of add-ons, which can also keep costs low while allowing for customizations.
What We Don’t Like
2-10 Home Buyers Warranty’s drawbacks tend to come in the fine print. If you choose to pay monthly, as many homeowners do, you’ll pay a 9.5% monthly processing fee with this company. Its cancellation fee also starts at $25 for the first 30 days, but it increases to 10% of the plan cost after that.
Who It’s Best For
2-10 Home Buyers Warranty is best for those looking for loads of add-on options and a kitchen appliance-specific plan. Many homeowners can find adequate coverage at a low price by looking at these.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
Customer reviews for 2-10 Home Buyers Warranty are generally negative. Many reviews touch on criticisms like issues with customer service and lengthy response times. They also mention things like a lack of transparency regarding coverage limits and claim denials due to preexisting conditions. Some customers did share more positive experiences, but overall, the sentiment was negative.
2-10 Home Buyers Warranty is another company with three plans: Its Simply Kitchen Plan starts at $27 and focuses on kitchen appliances, its Complete Home Plan starts at $31 and covers some home systems and appliances. The Pinnacle Home plan adds on things like washers and dryers and higher coverage for some items.
| SIMPLY KITCHEN | COMPLETE HOME | PINNACLE HOME | |
|---|---|---|---|
Cost Per Month | $27 - $35 | $46 - $55 | $60 - $69 |
Service Fees | $65 - $100 | $65 - $100 | $65 - $100 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website 
Most Straightforward Plans
Most Straightforward Plans
Home Warranty of America (HWA)
Home Warranty of America can be a great option for those who want a simple plan format. Its two plans cover a range of systems and appliances, with the more expensive plan offering more premium coverage. The company has been around since 1996 and has competitive pricing and offers add-on coverage for unique items, like saltwater pools.
Learn more: Home Warranty of America review
This company has a wealth of experience in the home warranty industry and crams a lot of coverage into its two plans. We like that it seems committed to transparency by putting estimated costs and coverage directly on its website.
Why We Like It
HWA has plenty of other good points, like its 30-day money-back guarantee and coverage for older homes with items in good condition. The company is also a National Home Service Contract Association member, which can be a peace of mind for New York homeowners.
What We Don’t Like
Some things we don’t love about HWA include the fact that the company does not allow customers to choose their own technicians and a lack of an appliance-only plan. These may only be drawbacks for some customers but are worth noting.
Who It’s Best For
Those who want plans that mix appliances and systems will likely find a plan they like with HWA. Its plan format and website make things fairly easy to understand.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
Home Warranty of America’s customer reviews are pretty mixed. Negative reviews tend to mention things like unexpected expenses, lengthy wait times for service and generally poor coverage. However, happier customers reported good customer service and quality work from technicians.
HWA keeps its plans straightforward—its Premier Plan covers a combination of systems and appliances starting at $46.08. For a higher monthly fee starting at $59.92, its Premier Plus plan offers higher coverage of those same appliances and systems, including HVAC, plumbing, dishwashers and refrigerators.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Premier | $46.08+ | $75 - $100 |
Premier Plus | $59.92+ | $75 - $100 |
Add-On Options:
Best for Unique Home Features
Best for Unique Home Features
American Home Shield
American Home Shield is a trusted name in the home warranty industry. It offers three plans that can satisfy many different types of homes in New York. It has more than 50 years of experience and one of the lowest plan prices on our list, which can be a winning combination for many.
Learn more: American Home Shield review
American Home Shield offers a few key features that help set it apart. For one, it will cover some preexisting conditions, which is unheard of for many companies. It also offers high coverage caps ($5,000 for HVAC for the agreement term for example) and an option to cover code violation issues.
Why We Like It
In addition to these unique features, AHS is hard to beat for its affordable price plans (around $30 for its lowest plan) and coverage for home types like condos, rentals and more. Considering home types in New York state can range from sprawling country homes to sleek rental units in high rises, this company can be a stellar choice for many.
What We Don’t Like
AHS does have some drawbacks, including a lower Consumer Sentiment Index score, which indicates mixed to negative customer reviews. It also doesn’t have the lowest service fees on our list.
Who It’s Best For
American Home Shield is a good choice for many, especially those living in home types like condos, mobile homes and rentals.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
Positive reviews for American Home Shield often focus on good-quality repairs and timely service. However, more critical reviews touch on expensive pricing, confusing contract terms and issues with claim resolution. Overall, reviews are fairly mixed.
American Home Shield offers three plan options, starting with the ShieldSilver plan, which starts at around $30 and offers coverage for 14 home systems, including HVAC and plumbing. Next up, its ShieldGold plan builds upon the ShieldSilver coverage and adds on things like kitchen appliances and washing machines. Finally, its ShieldPlatinum plan starts at around $80 and offers all of the coverage of the previous plans with a higher appliance cap of $4,000 per item, and perks like free HVAC tune-ups.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
ShieldSilver | $29.99+ | $100 - $125 |
ShieldGold | $49.99+ | $100 - $125 |
ShieldPlatinum | $79.99+ | $100 - $125 |
Add-On Options:
Best Value Options
Best Value Options
ARW Home
With more than 30 years of experience in the home warranty industry, ARW Home is another company worth considering for New York homeowners, especially those who want the most bang for their buck. The company offers three plan options, with one option for kitchen appliances and two that focus on a combination of systems and appliances. These tiered plans allow homeowners to choose a plan tailored to their coverage needs.
Learn more: ARW Home review
ARW Home has one of our favorite features in a home warranty company: Customers can choose their own technician. Additionally, as long as your home appliances are in good shape, they will likely not be denied coverage based on age, a major plus for those in historic New York homes.
Why We Like It
ARW Home offers add-ons that allow you to customize your plan further. You can cover things like pools and electronics, options that can help you create a customized plan. Its quote process also caught our eye, as you can get a starting quote without having to enter any personal info, which we always appreciate.
What We Don’t Like
ARW Home’s cancellation fee ($45) is a bit steep, and customers have reported needing to mail in a cancellation notice, which can take time. If you want an appliance-only plan that doesn’t just focus on the kitchen, you’ll be out of luck here.
Who It’s Best For
ARW Home is a good choice for those who want a kitchen appliance-focused plan and robust coverage for a fair price.
We gather and analyze consumer sentiment from a range of sources to create the Consumer Sentiment Index to determine customer satisfaction levels for each feature outlined below. This data is designed to give you an idea of real consumer experience of the services and product we review. This data is currently separate from our overall rating out of 5.
ARW Home is another home warranty company with mixed feedback from customers. Positive reviews touch on timely claim resolutions and good interactions with customer service representatives. More critical reviews touch on roadblocks with claims processing and difficulties in canceling service.
ARW Home is another company with a kitchen-focused plan. Its Kitchen Plus home warranty plan has a monthly fee starting at $40 and focuses on ranges, garbage disposals and refrigerators. The next plan is its Platinum Plan, starting at $64.99, which covers a combination of systems like electrical and HVAC, as well as some appliances. Finally, its Platinum Premier Plan starts at $74.99. It adds to the coverage with dozens of items including those listed in the plans above and those that aren’t, including humidifiers and garage door openers.
| PLAN NAME | MONTHLY PREMIUM | SERVICE FEE |
|---|---|---|
Kitchen Plus | $39.99+ | Starting at $55 |
Platinum | $64.99+ | Starting at $55 |
Platinum Premier Plan | $74.99+ | Starting at $55 |
Add-On Options:
On AFC's Website Have you considered AFC Home Warranty?
Whether you need repairs or a new appliance, AFC can help cover the cost of even the most expensive items like HVAC and plumbing. Here’s why we chose it:
Available plans to choose from: Silver Plan, Gold Plan, Platinum Plan, Systems Plan
Three years work guarantee of repairs
Plans include free credit monitoring, family emergency services and discounts on household items, restaurants and more
On AFC's Website Make a list of home items you most want to back up with a home warranty. From there, you can choose a company and a plan that best suits those needs and fits your budget and other preferences. For instance, if you’re most concerned about your kitchen appliances, choosing a company that offers an appliance-only plan is likely your best bet.
Additionally, some of the best candidates for home warranty plans are older homes with appliances and systems that may be in frequent need of repair. If you have a newer home, your systems and appliances may still be covered under a manufacturer’s warranty, making a home warranty less needed.
Finally, consider New York’s unique climate and geographic features when making your decision. Most locations in the state see sweltering summers and chilly winters, so you may want to consider protecting your HVAC system. If you live in the mountains of New York State, you’ll likely have different needs than those living in Manhattan, so take the time to think through your lifestyle and what issues may come up.
The point of a home warranty is to save you money, so you don’t want the monthly fees to stretch your budget. Determine how much you’re comfortable paying monthly and keep in mind that you’ll also need to factor in service fees each time a pro is dispatched to your home. From there, you can rule out companies or plans that are way outside of that budget.
Seeking out reviews for companies on sites like the BBB, Google and ConsumerAffairs can help you understand the experience other customers have had with the home warranty company. We especially recommend seeking out reviews from other New York homeowners close to your community to get as clear a picture as possible. Reviews are just one piece of the puzzle, but they are important.
Because home warranty quotes can vary based on home size, location and more, we suggest contacting any companies you’re considering for personalized quotes. These quotes can help you compare things more accurately and give you a chance to ask any questions that may be lingering.
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Home warranties can protect you against unexpected expenses. Click on your state today to find out more.
Home warranties typically cost around $57 per month in New York, or $684 annually. This cost does not consider service fees, which you’ll have to pay each time a pro comes to your home to repair or replace an item. Services fees typically range from $65 to $150.
These prices are just averages. Home warranty costs in New York will vary based on many factors, including:
Larger homes may incur a higher monthly cost, but noticeable differences are typically reserved for very large homes, such as those over 5,000 square feet.
The cost of living in your area may affect the cost of your plan, especially if repairs are typically more costly than in other areas (such as in New York City). Factors like the number of approved providers in that area may also affect price.
Obviously, one of the biggest cost factors will be the company and plan you choose. More comprehensive plans and companies with generally higher fees will cost more.
With many companies, the higher the service fee you choose the lower your monthly cost will be and vice versa. The best pricing model for you will depend on your budget and how often you think you’ll use the warranty.
Best Home Warranty Companies By State
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Home warranty companies are regulated in New York state, with the state’s government website noting that it is held to the same “analysis” as any extended service contract or warranty in New York. The Department of Financial Services regulates home warranties in the state. If you have any issue with your specific home warranty company in the state, we recommend contacting the company first and then to that department to assess your options.
Compare Quotes From Top-rated Home Warranty Companies
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To determine the best home warranty companies, we analyzed 19 companies and 58 plans across several different attributes, including our in-house consumer sentiment analysis, which included over 146,000 first-person insights. We also gathered and compared more than 100 price quotes to determine the best value.
You can find out more about how Forbes Home rates home warranty companies on our detailed methodology page.
Generally, a home warranty plan covers standard repairs on and replacement of covered items and systems. What exactly a home warranty covers and to what extent will vary by company and by plan. We recommend finding a plan that best fits your home’s coverage needs. For instance, if you’re looking to protect a certain system or appliance, consider only plans that include it. From there, pay close attention to any coverage limitations or limits and ask plenty of questions to ensure you’re 100% confident in what your home warranty covers.
Yes, barring any company-specific limitations around home age or location, you can purchase a home warranty at any time. Home sellers will often offer them to sweeten the deal during a home sale, but you can also purchase them on your own whenever you want.
No, home warranties are never required and are entirely separate from homeowners insurance. You can opt for a home warranty for extra peace of mind, but only if you want to.
Kristin is a lead editor at Forbes Home and has nearly a decade of professional experience as a writer and editor. She's previously worked at sites like Talking Points Memo, Insider, Delish, Angi and HomeAdvisor. She has a passion for lifestyle topics and has extensive experience researching and reporting on topics that will help make your house a home.
Sami Allen is the managing editor at Forbes Home, with over seven years of experience in the home space and 10 years of editing experience.
