Home warranties in New York
RegulatedIn New York, home warranties are regulated and providers must be licensed. 13 of the companies we track operate here.
Regulated
Regulatory status
Required
Provider licensing
13
Companies available
54.1%
Homeownership rate
What this means for you: New York regulates home warranties, so you can escalate an unresolved dispute to a state regulator that can investigate, fine, or revoke a provider's license, generally your strongest recourse.
Consumer protections in New York
Regulated by Dept. of Financial Services. Home warranty companies must be licensed and maintain reserves. NY Ins. Law 7901-7910. Strong consumer protections.
File a complaint in New York: https://www.dfs.ny.gov/consumers/file_complaint
Most reliable companies available in New York
Reliability Score (0–100) - top 12 of 13 available
Companies available in New York
| Company | Reliability |
|---|---|
| HomeServe | 96A |
| Liberty Home Guard | 88A |
| America's Preferred Home Warranty | 87A |
| AFC Home Club | 79B |
| Cinch Home Services | 74B |
| American Home Shield | 64C |
| Choice Home Warranty | 63C |
| 2-10 Home Buyers Warranty | 60C |
| ServicePlus Home Warranty | 60C |
| Select Home Warranty | 57C |
| First Premier Home Warranty | 54D |
| Total Home Protection | 46D |
| Porch Home Warranty | 10F |
Ranked by Reliability Score. Availability is based on each company's published service area and may change.
Home warranties in New York: what to know
New York is regulated for home-warranty contracts, which shapes the recourse you have if a claim is wrongly denied. With a homeownership rate of 54.1% across roughly 19,677,151 residents, it is served by 13 of the companies we track. Advertised annual plan costs here are around $525 (an estimate that varies by company, plan tier, and home size).
For homeowners choosing a plan in New York, what matters most is whether the provider is licensed or registered here, the company's independent reliability (BBB rating and reviews, Trustpilot score), and whether a state-level complaint channel exists if a dispute stalls. A plan sold cheaply in an unregulated state often offers weaker recourse than the same plan in a regulated one, even with identical contract language. Compare the available companies above, then read the per-company pages for coverage and pricing detail.
Population and homeownership figures: U.S. Census Bureau, American Community Survey →. Read our methodology - how this data is sourced and computed.
Related
Source: New York Department of Insurance / Attorney General Home-warranty regulation, licensing, and complaint-filing channel · 2026 State population and homeownership: U.S. Census Bureau, American Community Survey. Company reliability: BBB & Trustpilot.
Every figure on PlainWarranty is rendered directly from BBB, Trustpilot, and state regulatory data, no number is typed in by an editor. This page draws directly on BBB, Trustpilot, and state regulatory data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.