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State guide · NYNo paid placement

Home warranty
in New York.

New York's superintendent of financial services approves service contract provider registrations, which are renewed every two years, under Article 79 of the Insurance Law.

Regulated as a service contract3 reviewed providers ranked
Photo · R Architecture / Unsplash
Why New York is different

New York's superintendent of financial services approves service contract provider registrations, which are renewed every two years, under Article 79 of the Insurance Law. Article 79 expressly covers contracts to repair, replace or maintain residential appliances and systems. Providers must have reimbursement insurance, a 40 percent reserve along with a deposit of at least $50,000, or a $100 million net worth. New York buyers get a full refund for a claim-free contract returned within 20 days of mailing or 10 days of delivery at the sale. A provider must mail you at least 15 days' notice before cancelling. No notice is required when the reason is nonpayment, a material misrepresentation or a substantial breach.

Source: N.Y. Insurance Law § 7902 (definitions) (State statute, accessed 2026-10-07) · N.Y. Insurance Law § 7903 (requirements for doing business) (State statute, accessed 2026-10-07) · N.Y. Insurance Law § 7905 (required disclosures) (State statute, accessed 2026-10-07) · N.Y. Insurance Law § 7907 (registration of providers) (State statute, accessed 2026-10-07) · N.Y. Insurance Law § 107 (definitions) (State statute, accessed 2026-10-07)
Coverage-priority context · NY

What breaks in New York.

Issue 01
Severe upstate winters placing sustained strain on furnaces and boilers
Issue 02
Frozen-pipe risk during extended deep-cold stretches
Issue 03
Older housing stock in metro areas with aging plumbing and electrical systems
§ 02Best providers in New Yorkranked by Warranta editorial score · /5 scale · how we score
01
American Home Shield
Homeowners who want broad systems coverage and a choice of service fee.
Score
4.1/5
Read review →
02
Liberty Home Guard
Homeowners who value responsive support and a wide add-on catalog over the highest payout caps.
Score
4.0/5
Read review →
03
Choice Home Warranty
Budget-focused homeowners who want a predictable flat service fee and straightforward plan choices.
Score
3.7/5
Read review →
§ 03Common questions for New York
When does coverage start after I buy a plan?
When the waiting period in your contract ends. Providers set different lengths. Liberty Home Guard's sample policy starts coverage 30 days after purchase and requires covered items to be in working order that day. American Home Shield's 2024 sample plan agreement shows an initial waiting period of 0 days. Under Liberty's terms, a covered item that breaks on day 20 falls inside that 30-day holding period and is not covered, so read each provider's sample contract before you buy.
Can I buy a plan after something has already broken?
You can buy one, but the two sample contracts we read would not pay for a breakdown you already have. Liberty Home Guard's sample policy "does not cover any known or unknown pre-existing conditions." American Home Shield's 2024 sample plan agreement says a covered breakdown "must occur during the Plan Agreement Term," and it excludes earlier breakdowns that "were either known by you or were reasonably detectable by you."