Car and home warranty in New York, NY

Driving in New York

New York is one of the largest cities in the country, and big-city driving is harder on a car than the odometer suggests: stop-and-go traffic, short trips, long idles and constant braking add heat cycles and wear to the engine, transmission, brakes and cooling system. Repair shops are plentiful, but labor rates in large metros tend to run higher, which makes every covered repair worth more.

Road salt and freeze-thaw potholes are the defining conditions. Struts, control arms, wheel bearings and steering components wear faster on broken pavement. Rust itself is not a covered failure under a service contract, but the mechanical parts that wear out on rough, salted roads are.

Upstate winters bring some of the heaviest snowfall and salt use in the country, while downstate driving is slow, crowded and rough on brakes and suspension.

Homes in New York

The furnace or boiler is the system that matters most, running for five months or more. Frozen pipes are a seasonal risk, though freeze damage is typically excluded from home warranties and belongs with your homeowners insurance. Sump pumps are a common optional add-on in homes with basements.

Getting a quote in New York

Plans and prices depend on your exact ZIP code, so the quickest way to see what's offered in New York is to send your details. Service contracts are regulated by the state of New York, and the contract you receive will include terms specific to NY.