New York guide · Updated October 22, 2026

Best Home Warranty Companies in New York

New York has some of the oldest housing in the country, from upstate farmhouses to Long Island ranches. Boilers, older wiring and aging plumbing are common, which makes coverage terms especially important. Company availability also varies more here than in most states.

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Availability changes by ZIP code. Enter yours to compare current plans and service fees side by side.

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Home warranty companies serving New York

Listed in no particular order — not a ranking. The best fit depends on your home, your budget and the coverage you want.

Choice Home Warranty

Serves the state

Sells plans in this state. Pricing is shared in your personalized quote.

American Home Shield

Most areas

Serves much of the state but excludes many ZIP codes, including Manhattan and other parts of New York City.

Select Home Warranty

Serves the state

Sells plans in this state. Enter your ZIP to see its published starting prices and service fees.

First American Home Warranty

Not available

Its current ZIP list doesn't include New York, so it won't appear for New York addresses.

We based this list on territory info we recorded on October 21, 2026. It may have changed since then. Enter your ZIP to compare. Check with the company that they serve your address before you buy.

What New York homeowners should check

Boilers and heating systems

Many homes use boilers or older furnaces. Confirm the plan covers your heating type and check its repair limits.

Availability depends on where you live

Some companies don't sell in New York City and nearby areas. Enter your ZIP to see which companies serve your address.

Older homes and pre-existing conditions

Plans generally exclude problems that existed before coverage began. Keep records of recent maintenance.

How New York regulates home warranties

Agency: New York Department of Financial Services

Law: Article 79 registration applies to covered service-contract providers; whether a home warranty is a warranty or service contract depends on its terms and issuer

This provisional summary, its classification and the agency's role still need current-law review. Confirm with the official state resource.

Visit the agency site · All 50 states

Common questions

Are home warranties regulated in New York?

Article 79 registration applies to covered service-contract providers; whether a home warranty is a warranty or service contract depends on its terms and issuer. This provisional summary, its program classification and the agency's role still need review against current state law. Start with the official state resource and confirm before relying on it.

Can I get a home warranty in New York City?

Some companies serve New York City and some don't. Enter your ZIP and the comparison shows only companies that aren't ruled out for your address.

More answers: Home warranty FAQ · Blog

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