How to Choose a New York Home Warranty

A home warranty in New York could be incredibly useful in addition to home insurance—or it may be a complete waste.
Written by Emily Maracle
Reviewed by Melanie Reiff
A home warranty can be a great investment for your
New York
home. However, the industry is fraught with lackluster companies and subpar service, often making the service contract more expensive than beneficial.
Homeownership has its ups and downs, and unfortunately, a big down is the cost. Home maintenance is a forever kind of deal, and owning a home in New York can be expensive. 
Depending on where you live, your home in New York may be subject to
, severe storms, and
pesky critters
—all of which impact the cost of owning your home. To help ease your mind,
, the
super app
designed to save you money on
car insurance
, has created a guide for home warranties in New York.
In this article, you’ll learn exactly what a home warranty is and how to find the best home warranty in New York. 
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What is a home warranty? 

A home warranty is a home service contract or plan designed to cover the repair and replacement of your home’s appliances and systems. A home warranty is typically valid for one year, and you can expect a home warranty to cover:
  • Kitchen appliances
  • Washer/dryer
  • Heating and cooling systems
  • Plumbing
  • Electrical systems 
When you purchase a home warranty, you’re paying for the repair and replacement service for your home’s appliances and systems at a reduced rate

Home warranty vs. home insurance

Although they’re often confused,
home warranties and home insurance are different
When you purchase a home insurance policy, you’re protecting your home and its contents from the damage a
covered peril
causes. Damage from wear and tear or regular use is specifically excluded in a home insurance policy. Should a wind storm cause a tree to fall through your kitchen and demolish your dishwasher, your home insurance would likely cover it. But, if your dishwasher randomly stops working after ten years of constant use, you’re out of luck
With a home warranty, your appliances and home systems have coverage, even if they break from regular use. That said, home warranty companies have specific guidelines for coverage. If they believe you’ve intentionally damaged something or it’s broken due to owner negligence—you may be denied coverage

Do you need a home warranty in New York?

As a New York homeowner, you may be required to carry home insurance, but a home warranty is optional. While having additional coverage may ease your financial anxieties, often
home warranties aren’t worth the cost
If it’d be a financial burden to replace or repair your home appliances, you may want a warranty until you can save some extra cash. But if you have room in your budget or can easily save, consider using the money you’d spend on the premium as an emergency repair fund.  

How to choose a New York home warranty

If you are seriously considering purchasing a home warranty, do your research. Compare rates and coverages from at least three companies before making any decisions. Things you should consider are:
  • Types of coverage options
  • Cost of premium and service fees 
  • Good customer service and responsiveness
  • Coverage caps and payout amounts
While ideal, it’s unlikely you’ll find a company that meets all your needs. The table below is a comparison of five of the best home warranty companies in New York. Should you find a company you like, ensure you read the fine print and contract carefully. You don’t want to be surprised by an unexpected bill when you need service. 
Monthly payment
Annual premium
Service fee
States not covered
BBB rating
What it’s best for
American Home Shield
30-day work guarantee, high coverage caps, reputable business
Choice Home Warranty
California and Washington
Set service fee, 90-day repair guarantee, 48 hour guaranteed response time
America’s 1st Choice Home Club
California and Hawaii
Ability to choose your own contractor, affordable plans
Liberty Home Guard
Washington, Wyoming, and Wisconsin
24/7 customer service, affordable plans
Cinch Home Services
Alaska and Hawaii
Free perks, reputable company
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The pros and cons of home warranties

If you’re a first-time homebuyer
in New York
, you’ve likely received a ton of unsolicited advice—especially around things like home insurance and home warranties. 
While everyone has their own opinion, there are pros and cons to home warranties, depending on your financial situation, your preferences, and your needs as a homeowner. 

Pro: A home warranty can take the guesswork out of hiring contractors

Finding a repair person or contractor after something breaks is one of the more stressful parts of homeownership. If you choose the wrong person, you may end up spending even more to fix it. 
Since home warranty companies work with specific technicians and contractors, they immediately have someone to call if you need service. 

Pro: No need for an emergency fund

By paying a monthly or yearly premium, you have a general idea of the cost to repair something if it breaks. 
On average, an air conditioner repair can cost anywhere from $150 to $2,500. The wide range of costs makes saving hard. A home warranty reduces that stress and your costs

Con: You often won’t deal directly with contractors 

While not having to think about who to hire in a crisis is a relief, it also comes with its unique challenges. Since everything is going through your home warranty company, there’s potential for slow service, miscommunication, or additional costs. 
If you prefer to be more hands-on, skip the warranty

Con: Low coverage limits and high service fees

Coverage caps vary between companies, but most average between $500 to $6,000. However, if the repair or replacement exceeds your coverage limit, you still have to shell out some cash
Service fees are also common across all home warranty providers, meaning every time you call for help, you’re charged a fee—typically ranging from $65 to $150

Con: Warranty companies can deny coverage

Denial of coverage is one of the biggest complaints from homeowners with home warranty coverage. Even if you believe your claim meets their requirements and you’ve done everything you can to take care of your home and appliances, companies can still deny claims
Even if at signing you thought the terms were amazing, actually getting a payout may be another story. 

How to find affordable homeowners insurance in New York

Whether you’re a homeowner in the Big Apple or Buffalo Bills territory, there’s a lot to consider when deciding whether to buy a home warranty. While a home warranty may not be essential for every homeowner,
home insurance
definitely is!
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licensed insurance broker
, is here to make comparison shopping for insurance stress-free. Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new
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was wonderful! I used it for my auto and renters policies. I trusted it so much that I signed up my homeowners insurance under Jerry as well. All of the agents are amazingly nice and knowledgeable.” —Mary Y.
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On average, a home warranty in Maryland costs anywhere from $300 to $1,500 a year, not including any additional services fees or coverage. Expect to spend between $50 and $150 when you need service.
Home warranties in New York typically cover you for a year, but you may find longer terms with different companies.
Just like with insurance, there isn’t a home warranty company that meets everyone’s needs. It takes a lot of comparison shopping to determine what’s best for you. 
Even so, American Home Shield is one of the most popular home warranty companies due to its customizable plans, affordable rates, and reputation.
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