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Massachusetts can give homeowners a taste of city life, country life, or even coastal life. There is truly a home in Massachusetts for everyone. As great as life can be in Massachusetts you will still need to ensure you can afford repairs and replacement of appliances and systems. If you are looking for the best home warranty plans in Massachusetts, you are in the right place.
In this guide, we will cover . . .
- What is a home warranty?
- Why should you have home protection on your home?
- What should you look for when purchasing a home warranty?
- The 6 best home warranty companies in 2023
- And much more!
One of the things people love most about Massachusetts is that there are four distinct seasons to enjoy. The only downside of this is that you will need many systems and appliances working in your home. A Massachusetts home warranty can cover your heating system, HVAC, water heater, roof leak, and more.
Home warranty companies help you save money on expensive home repairs. They also allow you to enjoy peace of mind while owning your home. If you are looking for the best home warranty companies in Massachusetts, we have all the information you need.
Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.
Compare Massachusetts Home Warranty Providers
|Provider||Best For||Monthly Cost||Service Fee||BBB Rating|
|Choice Home Warranty||Best Overall||$40 - $48||$85||B-|
|Liberty Home Guard||Best Customer Service||$40 - $60||$60||A|
|American Home Shield||Most Customizable||$50 - $60||$75 - $150||B|
|Select Home Warranty||Most Affordable||$36 - $38||$60||B|
|Americas First Choice Home Club||Best For Customization||$28 - $40||$50 - $65||B|
|First American Home Warranty||Best Appliance Coverage||$38-$48.50||$85||B+|
|Cinch Home Services||Best Add On Coverage||$28 - $40||$100 - $150||A-|
Massachusetts Home Warranty Costs
One of the make-or-break decisions for Massachusetts homeowners when it comes to a warranty is the final cost of the plan. As a homeowner, chances are you have a monthly budget that you try to stay within. The monthly pricing, additional coverage, service fees, and home warranty plan coverage caps can impact this budget. When homeowners shop for a plan, it is essential to have a general idea of the average costs of a home warranty plan in the state of Massachusetts. At Review Home Warranties, we did in-depth research involving a variety of home warranty plans across many different types of homes. These averages will help Massachusetts homeowners understand if they are getting a fair value for the home warranty they purchase.
Average Annual Premium
Single Family Home
Home Over 5,000 sq ft
Home Under 5,000 sq ft
Massachusetts Home Warranty Companies Reviews
At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top six home warranties for Massachusetts homeowners. When comparing one home warranty to another, we looked at coverage costs, service fees, customer service, plan choices, and more. Here are our reviews of the top 6 home warranty companies in the state of Massachusetts.
1. Best Overall: Choice Home Warranty
Choice Home Warranty is the best overall home warranty policy in the state of Massachusetts. One of the things that make Choice Home Warranty stand out from other policies is how simple the service contract is. When you read through the Choice Home Warranty service contract, there is hardly any fine print, and you will understand exactly what is covered under your home warranty plan. The Choice Home Warranty policies are fairly priced, and they offer both system and appliance coverage for a Massachusetts home.
Comprehensive plan options
It won’t allow for custom plan build-out
Fair overall pricing
Reasonable service fees
Good sign-on incentive
Plans and Pricing
The Choice Home Warranty policies offer two plan choices. The Basic Plan and the Total Plan. The Total Plan is the more popular of the two options because of the extensive coverage. The Total Plan will help ensure that all of your major home systems and appliances are adequately covered and supported. The monthly price and service fee associated with Choice Home Warranty are fair.
Cost Per Month
Choice Home Warranty has some of the higher coverage limits on the market. Most of the appliances and systems in your Massachusetts home will be covered with at least $2500 worth of coverage. This makes the Choice Home Warranties some of the most valuable on the market. Massachusetts homeowners find these coverages to be some of the best included in the Choice Home Warranty Total Plan . . .
- Plumbing system
- Washing Machine
- Water Heater
- HVAC system
What Customers Are Saying:
“He knew exactly what to do. He was very thorough and professional. I would highly recommend him. Brought in a machine and double checked that everything worked before leaving. He returned all items to their proper place before he left.” Source
2. Best Reviewed: Liberty Home Guard
The Liberty Home Guard plan is an excellent choice for those looking for a valuable and highly rated company in the state of Massachusetts. Liberty Home Guard has only been on the market for two years, yet they have managed to get an A rating with the BBB. Customer service with Liberty Home Guard is impressive, and they will get your repair fixed in a short period of time. The theory and concept behind the Liberty Home Guard plan is that if you pay a little extra, you will benefit from a much better overall plan. So far, this concept has worked well for the company.
BBB Rating of an A
Option plan choices are a bit higher in price
Overall fair pricing
The price increases quite a bit for comprehensive plans
60 Day workmanship guarantee
Add on coverage list is extensive
Plans and Pricing
The three Liberty Home Guard plans are the Appliance Guard, Systems Guard, and the Total Home Guard. The Total Home Guard is the most popular plan because of the ability to cover both systems and appliances. In addition, the service fee for the Liberty Home Guard plans is very affordable.
Total Home Guard
The Liberty Home Guard plan offers some of the most extensive coverage on the market. However, you will have to pay extra to have a complete plan with full coverage of your home. The add-on coverage options are quite extensive, but they will cost you extra money. As far as coverage caps are concerned, the Liberty Home Guard caps are about averages. Here are some of the most popular coverages on the Total Home Guard plan. . .
- Garbage disposal
- Air Duct
- Water Heater
What Customers Are Saying:
“They do a great job at communicating every step of the way. On one claim, the technician had to reschedule, and Liberty Home Guard reached out to let me know about the delay and that they had the option to send someone else out. Luckily, I was not in a massive hurry, so I was happy to wait.” Source
3. Most Customizable: American Home Shield
American Home Shield is the most customizable plan for Massachusetts residents. If you are serious about a home warranty and want a company that has a long and professional reputation, the American Home Shield company is the best option out there. AHS has been in the market for more than 50 years. Their policies feature premium coverage choices, customer support, and the ability to build out the plan to fit the specific needs of your home. If you want coverage for your refrigerator but not your washing machine, see what American Home Shield can offer you.
Been around for more than 50 years
A premium-priced policy
Built out custom plans and add on options
Add on coverage choices
Plans & Pricing
There are three American Home Shield policies to choose from. The Platinum Plan is one of the most impressive plan choices on the market, but you can expect the pricing to be quite a bit higher. Overall having the ability to customize your monthly and service fee pricing is just another benefit of American Home Shield.
Similar to Choice Home Warranty, the American Home Shield policy includes very high coverage caps for both appliances and systems. The coverage caps are typically between $2500 and $3000 depending on the individual item. In addition, American Home Shield has some of the best pool and spa coverage on the market. After 50 years in the industry, AHS knows what customers need. Some of the most popular coverages on the Platinum Plan are . . .
- Heating system
- Garbage DIsposal
What Customers Are Saying
“American Home Shield is a great company to work with. I have several rentals, so I have several separate contracts, and scheduling appointments is easy, and everyone is very helpful. One of the best investments I have ever made.” Source
4. Most Affordable: Select Home Warranty
Select Home Warranty is the most affordable home warranty in the state of Massachusetts. There are many areas of Massachusetts that are expensive to live in, and it can make affording a home warranty a bit difficult. Luckily the Select Home Warranty will be a perfect solution. With the low monthly fees and lower service fees, Select Home Warranty is a popular choice among those on a budget or those who have just recently purchased a home. Select Home Warranty is very particular about the contractors they invite to your home to work on a repair or replacement.
Impressive customer service
Lower policy limits
Clearly defined coverages and exclusions
Not great for high-end appliances and systems
High workmanship quality
Straightforward policy choices
Plans and Pricing
The Select Home Warranty has some of the most fairly priced home warranty policies on the market. The Platinum Care plan makes the most financial sense if you can afford it. The pricing of this plan is just a few dollars more than the Gold Care or Bronze Care plan, and it comes with twice the coverage. If you are unsure if a home warranty will be worth it, the Select Home Warranty makes a great choice.
Although you can get great coverage for your home with the Select Home Warranty, be aware that the coverage caps or limits are going to be a little lower than they are for other policies. This is partly how the price of the Select Home Warranty stays fairer. Some of the most popular coverages for Massachusetts homeowners include...
- Heating systems
- Ceiling fans
- Electrical systems
What Customers Are Saying
“Just started working with this company for my home warranty. I was very impressed with the level of service this company offers. ***************************** was a great asset in setting up my account and making sure I got the best plan for my needs. He was very knowledgeable about the product and offered me various options. Very pleasant experience.” Source
5. Best Workmanship: Cinch Home Services
The Cinch Home Services warranty offers the best workmanship for a Massachusetts homeowner. A workmanship guarantee means that if your covered item breaks after a repair have been completed, you will get a free repair if the issue was the same problem. Cinch Home Services has been in the market for more than 40 years and is considered to be one of the more reliable choices out there. Certainly, their 180-day workmanship guarantee helps. Cinch Home Services has a large network of professionals that can complete your request promptly.
Long history in the home warranty business
Higher service fees
180-day workmanship guarantee
Negative customer reviews
Moderately priced plans to choose from
Plans and Pricing
The Cinch Home Services plans are standard in the home warranty industry. There is a systems plan, an appliance plan, and then a combo plan. Keep in mind that the service fees for Cinch Home Services are considerably higher than others on the market, but this is to be expected with the long workmanship guarantee. The overall affordability of the Cinch Home Services plan is still quite good.
Built-In System plan
Complete Home Plan
The Cinch Home Services plan is similar to the First Premier plan in the fact that it offers a wide range of coverages. Don’t expect large coverage caps on the Cinch plans, but certainly enough for basic repairs and replacement. Some of the most popular coverages under the Cinch Home Services policies include . . .
- Septic tank
- Sump Pump
- Ice Maker
- Plumbing System
What Customers Are Saying
“I had an amazing experience when I needed to get a new water heater. I worked with Lowes Plumbing, which was very professional. I received a new water heater under the Total Protect plan. Kudos to everyone involved.” Source
6. Best Coverage: First Premier Home Warranty
First Premier Home Warranty is the best home warranty for Massachusetts homeowners that are looking for extensive coverage. If you really don’t want to deal with a single issue that could come up for an appliance or system, the First Premier Home Warranty is the policy to choose. You can get a wide range of coverage for a very low monthly price. Premier has an A- rating with the BBB, even after only being on the market for around a year. Customers are finding that if they are willing to put a good amount of money down upfront, the overall value of the First Premier Home Warranty is quite good.
BBB Rating of A-
Short time on the market
A newer company that is continually improving
Not everyone wants to pay upfront for the year
Low costs if you pay upfront
Modern technology and systems in place
Plans & Pricing
First Premier only has two home warranty choices on the market. The Platinum Plan tends to be the most popular because of the combination of appliance and system coverage. If you want to save a lot of money with First Premier, you can purchase two or three years of the plan at a time.
The First Premier Home Warranty coverage is very versatile. You won’t have to worry about choosing appliances or systems; your entire home can easily be covered. However, the dept of the coverage for each individual appliance or system is not all that great. The coverage caps are on the lower end of the spectrum, but you will still have a large number of items covered. Some of the most popular items on the Platinum Plan are . . .
- Water heater
- Plumbing system
What Customers Are Saying
“Great and reliable company. Waited to do this after my service request; they showed up on time and got me approved for a new microwave!” Source
What You Should Consider Before Buying A Home Warranty in Massachusetts
Now that you have a better idea as to which home warranty plans are the best on the market, it’s time to narrow things down to just one for your home. The best home warranty companies in Massachusetts will have fair pricing, impressive coverage, and availability throughout the state. Here are a few things that you should look for when you are choosing a home warranty plan for your Massachusetts home.
Most home warranty companies are going to have two or three plan choices to choose from. The plan choices offered by home warranty companies typically consist of a systems plan, an appliance plan, and then a combo or comprehensive plan choice. The combo or comprehensive plans are typically the best choices for Massachusetts homeowners because of the cold and warm temperatures that the state experiences.
Service fees are the fees you pay each time you need an appliance or system repair. The service fees tend to range in price from around $60 to more than $150. The service fees can add up quickly if you have a few repairs during the course of a month. Make sure you pay attention to these costs when you look at the overall affordability of a plan.
There are some optional coverages that each home warranty policy has. If your Massachusetts home has a pool or spa, or you would like to have your second refrigerator covered under your plan look for some of the optional coverage choices that you can get with your home warranty plan. A company like Liberty Home Guard has some of the most extensive optional coverages on the market.
Home Warranty Tips for Massachusetts Residents
The famous slogan of real estate agents, “Location, Location, Location!” also applies when you select a home warranty. The climate you live in defines which home systems and appliances should be covered most. Massachusetts is the seventh smallest state in the USA, but it has a variety of climates, from oceanic to humid subtropical to humid continental. The majority of the population lives in the Greater Boston area, where the summers are warm.
Map of Massachusetts mean temperatures in July are 81°F. To beat the heat, your air conditioning system should always be in an operational state. One of the best home warranty companies covering up to two air conditioning units is Service Plus. It can be covered as a part of the comprehensive Platinum Plan or as an add-on item if you prefer to purchase the less comprehensive Gold Plan. The company covers mechanical parts and components of two ducted central air conditioning systems.
The home warranty cost in Massachusetts will depend on which plan you prefer and which add-on items you want to include. The winters in Massachusetts are cold, with mean temperatures in Worcester around 31°F and in Plymouth 38°F. In winters like these, homeowners should remember to keep their heating systems working efficiently. One of the best home warranty companies in Massachusetts, Choice Home Warranty, covers heating systems under its plans and offers a high coverage limit of up to $2,500 per contract term.
Due to its location near the Atlantic Ocean, Massachusetts is vulnerable to tropical storms, hurricanes, and nor’easters. Living in the Cape Cod area, you may be at risk for these types of issues. These disasters may cause a lot of damage to homes. However, home warranty services in Massachusetts, as well as any other state, do not include damage caused by natural forces. For these purposes, you need to purchase homeowners' insurance.
Whether you live in Boston, Salem, Worcester, or Cambridge, having a home warranty plan is going to help you feel comfortable in your Massachusetts home. Peace of mind in ensuring you will be covered regardless of the season is a great benefit.
Home Warranty Regulations in Massachusetts
Unlike many other states, the Massachusetts home warranty law strictly regulates the operation of home warranty companies. All home warranty companies in Massachusetts must hold a certificate of authority issued by the Division of Insurance. You may verify that a home warranty company is authorized to do business in Massachusetts by contacting the Division of Insurance.
Hopefully, you now feel a bit more informed about a Massachusetts home warranty and which ones are the best on the market. With all of the great options on the market, it can sometimes be challenging to pick a plan that is a perfect match for your needs. The best home warranty for Massachusetts homeowners is the Choice Home Warranty plan. With the simple service contract, fair pricing, and overall impressive features, it’s hard to find a better option than Choice. Don’t be afraid to get more than one quote for a home warranty policy. There may be a deal given to you that makes this decision a much easier one. The most important step, however, is to get your quote for your home warranty today, so you don’t risk having to pay for another repair or replacement.
Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on:
- Fine Print
- Plan Options
- Service Contract Details
- Customer Service
- Ratings and Reviews
- Add-On Options
- Additional Benefits
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
From here we created a comprehensive, 100 point, rating scale based on the following factors:
- Plan options (25): Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics (5): The more items covered in a home warranty plan, the higher the score.
- Pricing (25): We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score.
- Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.
Resources for Massachusetts Homeowners and Home Buyers
- Brookline Housing Resources: Massachusetts homeowners living in the Brookline area will significantly benefit from the housing resources offered on this website. The Brookline Housing Resources has information to help aging homeowners, first-time buyers, and those that have run into financial trouble.
- Homeownership Assistance Massachusetts: The US Department of Housing and Urban Development can help Massachusetts homeowners who are considering purchasing a home. If you run into a difficult time in your current home and need government assistance, HUD can sometimes offer solutions.
- Mass Housing Info Organization: Whether you have already purchased your home or you are still going through the process, there are plenty of questions that homebuyers will have. The Mass Housing Info website offers educational programs for homeowners that are looking to learn.
- Mass.Gov First-Time Homebuyer Program: First-time homebuyers have the most access to programs and solutions to help save money and time. Sometimes first-time homebuyers are people that have not bought a home in several years; look at all the qualifications to see if you can take advantage of these programs.
- Mass Housing: The interest rate of the loan you get for your Massachusetts home can make or break your success with this plan long term. Massachusetts homeowners that want access to the best rates and most credible information can use Mass Housing to help.