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.
Warranty registry plate
Sheet NY · New York 13 cos. · #47/51
- REG-YES Regulated
- LIC-REQ License required
- RANK-BOTTOM #47/51
- BELOW-PEER 2 cos. back
- COST-HIGH ~$525/yr
- DESK-OPEN Filing desk open
- OWN-LOW 54.1% owners
- BOOK-FULL 7/7 fields
Nearest inventory peer: Alabama (+ 2 tracked companies)
Instrument codes from this state’s regulation posture, licensing, inventory rank, peer gap, advertised plan cost, complaint desk, homeownership, and registry book, not a moving recommendation.
New York's inventory neighbours
Lowest/highest poles plus states nearest New York on tracked company inventory. Full ladder: /states.
Nationwide states with similar plan cost or homeownership
Peer states for New York ranked by tracked issuer inventory first; advertised plan cost and Census homeownership fill the second column when present.
Peer states by average annual plan cost
Nearest advertised annual costs ($525 here).
Peer states by homeownership rate
Nearest Census homeownership rates (54.1% here).
State-regulated market
What this means for you: New York regulates home warranties, but the tracked issuer book is thin (13). Escalate unresolved disputes to the state regulator, and compare the few listed providers carefully.
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
New York's slim roster of listed companies
| Company | Reliability |
|---|---|
| HomeServe | 96A |
| Liberty Home Guard 2 of 3 signals | 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 1 of 3 signals | 10F |
Ranked by Reliability Score. Availability is based on each company's published service area and may change. Scores blend Better Business Bureau ratings/reviews with Trustpilot scores, see methodology.
Score basis. A Reliability Score normally blends three signals, and a review signal counts once a company has 5 reviews. 2 companies here rest on fewer, so their scores carry less evidence than the rest of the table: Liberty Home Guard: BBB reviews and Trustpilot only (BBB profile not rated); Porch Home Warranty: BBB rating only (0 BBB reviews, 2 Trustpilot reviews). How the score is built.
State-regulated market
New York in the thin inventory third
New York regulates home-warranty contracts; unresolved disputes can escalate to a state regulator that can investigate or revoke a license.
New York is regulated with a thin tracked book (13 issuers). Homeownership is about 54.1%. Advertised annual plans average around $525. Top Reliability Score among the thin set: HomeServe at 96/100.
Compare the Reliability Score table for issuers listing New York, then open each company card for plan-tier coverage and BBB/Trustpilot sources.
Population and homeownership figures: U.S. Census Bureau, American Community Survey →. Read our methodology - how this data is sourced and computed. According to PlainWarranty's corpus ranking, New York ranks #47 of 51 states by tracked home-warranty company inventory. How we place states.
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.