Home warranty in New York

Home repairs in New York can be costly, and a home warranty may help homeowners manage those expenses.

lliot of Massapequa, NY

"...did a good job overall"

Collin of Elmont, NY

"...everything has been working great"

Cynthia of Newark, NY

"...the interaction is excellent"

Average home age in New York

63 years

Average home maintenance costs in New York

$1,000+ yearly

Average home warranty cost in New York

$80 - $90 per month

Find the right plan for you

You're just a few clicks away from protection for the unexpected! Choose the coverage you need for your home, and rest easy knowing you'll have a partner to back you up if a covered item breaks.*

Covers repairs to 37 essential home appliances and systems you rely on every day.

Heating & air conditioning systems
Electrical & plumbing systems
Kitchen & laundry appliances
Up to $1,000 per covered repair
2 units per appliance covered
$10,000 total limit per agreement term

Learn more ➞

For just dollars more per month, this plan goes beyond repairs with coverage for replacements, too.

Heating & air conditioning systems
Electrical & plumbing systems
Kitchen & laundry appliances
Up to $2,000 per covered appliance
2 units per appliance covered
$500 homeowners insurance deductible reimbursement¹
$10,000 total limit per agreement term

TAKE THE UNCERTAINTY OUT OF HOMEOWNERSHIP

Enter your zip to start your home warranty quote!

We use your zip code to ensure that your property is within our coverage area and to generate an approximate quote for our services.

Zip code

Email address

Phone number (optional)

By clicking the “See Pricing' button, you consent to receive phone calls and texts from Cinch Home Services at the number you provided, including those using autodialers and/or artificial, AI-generated, or pre-recorded voices, about our offers, products, and services, and you agree to our Terms of Use and Privacy Policy. Consent isn't required to purchase. Call for a free quote.

Not sure yet? Give us a call: (866) 408-0024

Common home repairs in the Empire state

New York is a state of remarkable range, from dense urban neighborhoods to sprawling rural landscapes, and its climate varies to match. Upstate winters bring heavy snowfall and prolonged cold that demands a lot from heating systems. Downstate and on Long Island, humid summers test air conditioning for months at a stretch. Although most home warranty plans may not cover weather-related damages, it is important to note that weather plays a role in the systems and appliances you rely on in your home.

The state has an enormous inventory of older homes, particularly in cities like Buffalo, Rochester and throughout the Hudson Valley, where aging plumbing, electrical systems and water heaters are common sources of costly repairs. Across the state, appliances like refrigerators, dishwashers and laundry equipment face daily use, and their failure tends to arrive without notice.

New York style appartment buildings with home warranty

See plans and coverage

Home warranty coverage in New York: What your plan should include

Home warranty coverage in New York should reflect the diversity of conditions across the state. For upstate homeowners, heating coverage is a clear priority — boilers, furnaces and heat pumps face a demanding season. In the metro area and along the coast, cooling coverage is equally important given summer humidity and heat.

Plumbing and electrical coverage are strong choices throughout New York given the widespread older housing stock. Water heater failure, pipe issues and aging wiring are recurring concerns from Queens to Buffalo. Appliance coverage adds meaningful protection in households where replacements come at high retail prices. Before settling on a plan, read the terms carefully, identify exclusions and understand the service fee structure. New York's real estate represents a significant investment — from the Hudson Valley to the Adirondacks — and a solid home warranty helps protect that investment across all four seasons.

HVAC

Plumbing

Electrical systems

Appliances

How does a home warranty work in New York

Place a service request anytime

When a covered appliance or system breaks down, submit a service request online or by phone 24/7.

We'll send out a pro

We match your repair request with one of our thousands of vetted service providers.

We get you back up and running!

You depend on your home's major appliances and systems. That's why we'll make you a priority.

LEARN MORE

What to look for in a home warranty company in New York

The right home warranty for a New York homeowner is clear, comprehensive and backed by a network that can reach you.

Look for plain terms, transparent pricing and a provider willing to share a sample contract before you sign.
Check how pre-existing conditions and equipment age are handled, given the state’s older housing.
Read reviews from other New York homeowners for response times, dispute handling and repair quality.
Favor providers with deep networks of pre-screened, local service providers across a geographically diverse state.
Look for a plan that covers your actual systems, with accessible support and a simple claims process.
Compare two or three options to identify the most value for your situation.

See plans and coverage

Frequently asked questions

Let us know how we can help.

When can you buy a home warranty in New York?

What is a home warranty?

How long does a home warranty last in New York?

Which New York home warranty covers the most?

Is there a difference between homeowners insurance and a home warranty in New York?

Yes, there’s an easy way to explain the difference between homeowners insurance and a home warranty. Homeowners insurance covers catastrophic, unforeseen events such as accidents and fires. Home warranty protection, on the other hand, covers the appliances and systems in your home that fail due to normal wear and tear. When things such as your HVAC or refrigerator stop working due to normal wear and tear, a home warranty plan may make it easier (and cheaper) to repair or replace them.

Is a home warranty required in New York?

How does a home warranty work for New York real state sellers?

How can you renew your home warranty in New York?

What happens when a home warranty lapses?

See all FAQs

Homeowners have chosen us for more than 45 years! See what our happiest customers in New York have to say...

Elliot of Massapequa, NY

Via ConsumerAffairs

5/5

I needed to get some work done on my hot water heater, which had a leaking valve. I reached out to Cinch. I've been with them for a while now. The technician came out promptly, like the next day, and I was satisfied with how quickly they responded. After checking things initially, he returned a couple of days later with the necessary parts to fix the issue. The tech did a good job overall.

Robert of Staten Island, NY

Via ConsumerAffairs

5/5

We had Sears’ coverage, and when they were on their way out, a friend of mine who runs an appliance repair business told me I should get on board with Cinch. They cover all your appliances for more or less the same amount of money, and if they can't cover it, they'll fix it. I like that if I had an old dryer break and they couldn't fix it, Cinch will either give me a replacement for no cost to me other than the deductible or they'll give me a payout.

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ollin of Elmont, NY

Via ConsumerAffairs

5/5

I've been with Cinch for over a decade now. One of the standout features of their service is the responsive and attentive customer service, particularly when addressing claims and issues. Most recently, I faced a problem with my HVAC boiler system. The first technician sent to address the issue did not properly diagnose the problem and communicated inaccurate information to the company. After expressing my concerns, Cinch sent another technician who was more competent and rectified the thermostat issues.

Cynthia of Newark, NY

Via ConsumerAffairs

5/5

I always have a home warranty because it's a good precaution, and I've had Cinch or an affiliated company for 20 years. When submitting a claim, once I'm able to reach a person by phone, the interaction is excellent. However, navigating their website and chat system can initially be frustrating. Recently, I had an issue with the freezer in my Sub-Zero refrigerator freezing shut, which was related to the ice maker.

TAKE THE UNCERTAINTY OUT OF HOMEOWNERSHIP

Enter your zip to start your home warranty quote!

We use your zip code to ensure that your property is within our coverage area and to generate an approximate quote for our services.

Zip code

Email address

Phone number (optional)

Not sure yet? Give us a call: (866) 408-0024

Cinch Home Services has 76 fully vetted Service Technicians in the state of New York

Some of the New York cities where Cinch Home Services offers coverage:

Albany
Binghamton
Buffalo
Freeport
Hempstead
Long Beach
Mount Vernon
New Rochelle
New York City
Niagara Falls
Rochester
Rome
Schenectady
Spring Valley
Syracuse
Troy
Utica
Valley Stream
White Plains
Yonkers

*Important Details

Plans, offers, and prices shown may not be available in all states and vary by location, plan type, and any applicable sales tax. Discount applies to the first year of a new annual home protection plan. Excludes optional coverage and add-ons. Cannot be combined with any other offer.

Terms and conditions apply to all plans offered. See sample plan agreement for details. A sample can be requested by calling our toll-free number.

Our blog library may link to third-party sites that offer products, services, coaches, consultants, and/or experts. Any such link is provided for reference only and not intended as an endorsement or statement that the information provided by the other party is accurate. We are not compensated for any products or services purchased from these third-party links.

¹Reimburses you up to $500 when you have to pay a deductible on a covered homeowners insurance claim. Only one reimbursement benefit per claim occurrence and only one claim per member per 12-month period. Additional terms and conditions apply, which will be included in your plan materials you receive after enrollment. This benefit is provided by an unaffiliated third party under an insurance policy issued to Cinch Home Services, Inc. for the benefit of customers enrolled by Cinch Insurance Agency, Inc., an affiliate of Cinch Home Services, Inc., California Cinch Home Services, Inc., HomeSure Services, Inc., HomeSure of America, Inc. and HomeSure of Virginia, Inc.

²Provides up to $2,000 of coverage per year (two claims of up to $1,000 each) when there are non-covered charges associated with a covered claim, such as permits and equipment disposal.