Best 6 Home Warranty Companies in Manhattan, NY
- Fact Checked
- Updated 2024-06-22 00:00:00
Homeowners in New York know the challenges that come with the four seasons. According to the 2021 American Housing Survey, nearly 4 million homes in the state have primary air conditioning and heating. Snowstorms and hot, humid days make it important to stay up to date with home system maintenance.
For many homeowners in the Empire State, a home warranty plan can reduce the cost of repairs and replacements for systems and appliances such as heating, washing machines, air conditioning, and refrigerators. That's why we've assembled this guide to the best home warranty providers in Manhattan, New York.
Ratings are based on our detailed proprietary methodology and review standards.
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Ratings are based on our detailed proprietary methodology and review standards.
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Ratings are based on our detailed proprietary methodology and review standards.
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
6 Best Home Warranty Companies in Manhattan
Brands are algorithmically curated from a database of local service providers near you. We require a minimum number of Google reviews and average ratings for provider inclusion.
American Home Shield
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers generous coverage caps
- Allows customers to build their own plans
- Provides the option to choose the service fee you want to pay
- Features broad coverage on up to 33 appliances and systems
Cons
- Doesn’t let customers choose their own technician
- Offers limited add-on options
52 Years in Business
BBB Rating:B
Liberty Home Guard
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Holds high ratings among customer service reviews
- Covers repairs with a 60-day workmanship guarantee
- Offers an extensive list of 30+ add-on coverages
- Provides an easy claims process
Cons
- Lacks transparency on service call fee pricing
- Excludes coverage for known or unknown pre-existing conditions
6 Years in Business
BBB Rating:A+
Select Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides low service fees compared to other home warranty providers
- Includes two extra months of coverage in annual signup
- Has an appliance-only, systems-only, and combo plan option
Cons
- Has a $75 cancellation fee
- Low coverage caps
11 Years in Business
BBB Rating:B-
AFC Home Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Provides an unlimited workmanship guarantee
- Offers generous appliance coverage limits
- Allows you to choose your own contractor
Cons
- Limits coverage limits for older items based on depreciated value
- Requires you to file a claim immediately after discovering an issue
14 Years in Business
BBB Rating:B
Cinch Home Services
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers home insurance deductible of $500
- Extends a long 180-day workmanship guarantee
- Provides generous $10,000 aggregate coverage limit
Cons
- Charges high service fees of $75-$150
- Doesn’t allow customers to choose their own technician
- Isn’t available in Hawaii or Alaska
45 Years in Business
BBB Rating:B
2-10 Home Buyers Warranty
Ratings are based on our detailed proprietary methodology and review standards.
Pros
- Offers a $25,000 annual coverage cap
- Pairs plans with a plan-length workmanship guarantee
- Offers unique perks such as color matching appliance replacements
Cons
- Charges a monthly processing fee if you choose monthly premiums
- Excludes washer and dryer coverage from most plans
39 Years in Business
BBB Rating:A-
BBB ratings are accurate as of August 2023. Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.
Facts about Manhattan
- Average Max Temperature:60°F
- Average Min Temperature:46°F
- Average Annual Snowfall:28.1”
- Homeownership Rate:24%
- Median Home Size:1,356 sqft
- Median Home Price:$585,751
Are Home Warranties Worth It for Manhattan Residents?
Home warranties are beneficial for Manhattan residents. Manhattan summers can have some very hot days, which means it's important that your air conditioner works well. However, this system can malfunction over time due to breakdowns from regular wear and tear.
Winters in Manhattan can be mild, but there are still days when you rely on your heating. HVAC system replacement can cost from $2,500 to $8,000. Home warranties are comparatively cheaper, costing roughly $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.
Manhattan's heavy rain can cause damage to your roof. Some home warranty policies include limited roof-leak protection, which can ease the financial burden of roof repair.
Lastly, home warranties connect you with reliable technicians. When work and other priorities keep you busy, you want to know a trustworthy service provider is handling your repairs. Reputable home warranty companies vet every service provider they work with.
What To Consider Before Choosing a Home Warranty Company
Consider the following factors to determine the right home warranty plan for your needs.
Cost
We pulled 120 quotes for a 2,000-square-foot, single-family home and discovered that home warranties cost an average of $53–$62 per month. You also have to pay service call fees whenever you file a claim. These fees range from $65–$125 per claim. Basic home warranties cost less than comprehensive ones, and appliance plans cost less than home systems coverage plans. Most providers offer add-on coverage options for an additional cost. Consider your specific needs before choosing a plan.
Coverage
Most home warranty companies can tailor a plan to your needs. Make a list of the appliances and systems that you use often and would like covered. If you only want coverage for select appliances or systems (such as your air conditioning), you can often find plans to fit. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Ductwork
- Electrical
- Heating
- Plumbing
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Dishwashers
- Garbage disposals
- Ovens
- Refrigerators
- Stovetops
Exclusions
Home warranties generally only cover breakdowns from normal wear and tear. This doesn't include improper installation or preexisting conditions. Most policies also won't cover cosmetic issues or appliance components, theft, defects, or routine maintenance. You can read about your provider's limitations and exclusions within your service contract. Read carefully to ensure you understand your plan's terms and conditions.
Provider Reputation
Consider a provider's reputation before committing to a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Best Company, Google Reviews, and Trustpilot. These reviews can give you an idea of how providers handle customer service and claims. Check with the New York Division of Consumer Protection to verify the status of a provider's state license.
Contractor Network
Consider a home warranty company's service provider network. Your provider should always send licensed and registered contractors to handle service requests. Make sure you ask where and how a company sources its technicians. We recommend picking a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies that allow customers to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.
Frequently Asked Questions about Home Warranty in Manhattan
No, you don't need a home warranty in Manhattan. However, we recommend purchasing one because it helps you maintain a budget to cover expensive appliance and system breakdowns. It'll also save you time you'd otherwise spend looking for a trustworthy service technician.
Preexisting conditions are breakdowns or issues experienced by a home system or appliance before your warranty coverage begins. Providers usually won't cover preexisting conditions. You should purchase a home warranty policy while all your appliances and systems are still in working order to ensure complete protection.
The best home warranty in Manhattan depends on what you're looking for. American Home Shield is a solid choice for comprehensive coverage limits. You might also consider Liberty Home Guard if you need unique coverage.
Yes, home warranties cover many types of home items aside from common systems and appliances. For example, home warranties cover septic systems, sump pumps, stand-alone freezers, pools and spas, well pumps, and more. Providers normally cover these items as add-ons. Check your provider's sample contract to see what add-ons are available.
Home warranty policies normally don't cover already broken items. Therefore, most home warranty providers have a 30-day waiting period before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear rather than preexisting conditions.
The length of a home warranty plan varies depending on the company. Plans typically last for a year, and you can renew at the end of your contract.
More Home Warranty Resources
Sources
To share feedback or ask a question about this article, send a note to our Reviews Team at [email protected].
Explore Useful Articles On Home Warranty
What Is a Home Warranty?
Dana Getz-April 26, 2024
How to Buy a Home Warranty (2024 Guide)
Dana Getz-April 2, 2024
Home Warranty Regulation
Dana Getz-April 2, 2024
Related Cost Guides
How Much Does a Home Warranty Cost? (June 2024)
Stephanie Koncewicz-May 15, 2024
What Does a Home Warranty Cost a Seller?
Dana Getz-April 3, 2024