Looking for a home warranty? Massachusetts home warranty companies offer a great selection of coverage plans for any budget and the type of housing. Whether you live in Boston or in the smallest town, a home warranty in Massachusetts is a necessary part of your home coverage because it covers the parts of your house that your homeowner’s insurance does not.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in Massachusetts

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.8
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 95.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 Total Home Protection
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 Cinch Home Services
Editorial Rating 95.0
  • Get $100 Off Most Popular Plan!
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  • Save up to $150 on a new plan
  • Choose your own service fee!
  • Lower chance of claim denial
  • Higher fee for contract transfer
  • Higher cancellation fee

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.

Do you need a home warranty in Massachusetts?

With almost seven million people residing in the state, Massachusetts is the most populous state in New England. It is ranked fifteenth by population and third by density behind New Jersey Home warranty Massachusettsand Rhode Island, with 840 people per square mile. Massachusetts is the fastest growing state in New England due to a relatively high quality of life and a large higher education system. The majority of Bay State residents, over 80%, live in the Greater Boston metropolitan area making the capital of Boston the most populous city in New England. Over four million people own their home, which is almost 60% of the state residents.

The majority of homeowners know that in order to get the maximum home warranty coverage, they need to purchase not only home insurance but also a home warranty. The main difference between the two is that home insurance covers damage from natural sources, such as water, fire, and earthquake, while a home warranty provides coverage for the normal wear and tear of home systems and appliances.

What do you need to cover under a home warranty in Massachusetts?

In order to decide which home systems and appliances you need to cover under a home warranty in Massachusetts, you should consider two major factors: the age of your house and its location.

How old is your house?

If you are the lucky buyer of a newly constructed house, you can ask your developer for a home warranty. Many developers are happy to offer this option to their customers. However, if this option is not available, you can always purchase a new construction home warranty from companies such as First American Home Warranty. Not every home warranty company in Massachusetts provides a new construction home warranty, but there is a good selection of companies that offer this option, so finding the best home warranty plan for your new house should not be an issue. In case you have an older house, you need to think about which home systems and appliances you would like to cover.

If, for example, you have new appliances covered under a manufacturer’s warranty, you might want to skip their coverage under a home warranty as these two warranties cannot be combined. For those customers who prefer to cover their home systems only, home warranty companies such as HomeServe USA offer this option. Alternatively, if you prefer to cover only home appliances, but not the home systems, this option is available as well. The more experienced homeowners of older houses usually prefer comprehensive coverage from respectable companies, such as Select Home Warranty, that covers air conditioning, heating, plumbing, and electrical systems, as well as all major kitchen and laundry appliances.

Home Appliance Insurance vs. Manufacturer's Warranty

Home appliances save time and make our life more comfortable. Every house in the USA has a number of home appliances, and every homeowner has to ask themselves at some point, which is better, a home warranty or an extended manufacturer's warranty? We had this question too, so we decided to make a research study and to compare these two types of appliance insurance. We compared the coverage and pricing for both types of insurance and published the results. To see the details, please click the button below:

Home Appliance Warranty or Manufacturer's Warranty?

Where is your house located?

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 MassachusettsThe mean temperatures in July are 81°F. In order to beat the heat, your air conditioning system should always be in an operational state. One of the best home warranty companies that provide coverage for up two air conditioning units is Total Home Protection. 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, 2-10 Home Warranty, covers heating systems under its plans and offers a high coverage limit of up to $25,000 per contract term.

Read Also: What Are The Best Home Warranty Companies For A Heat Pump?

Due to its location near the Atlantic Ocean, Massachusetts is vulnerable to tropical storms, hurricanes, and nor’easters. These disasters may cause a lot of damage to homes. However, home warranty services in Massachusetts, as well as any other state, does not include damage caused by natural forces. For these purposes, you need to purchase homeowners' insurance.

Massachusetts Home Warranty Law

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.

 

Best Home Warranties in Massachusetts Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive

 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Total Home Protect Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

total home protection home warranty

Why Do We Like Total Home Protect?

Total Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Total Home Protect does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Total Home Protect covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Final words about buying a home warranty in Massachusetts

Buying a new home warranty in Massachusetts seems to be a good idea that many homeowners successfully implement. There are two major reasons why homeowners like home warranty insurance in Massachusetts: It saves them time on finding contractors, and money on repairs and replacements of their home systems and appliances. Another reason for the popularity of a home warranty in Massachusetts is its availability. There are many respectable home warranty companies that work in the state, so homeowners have a great selection of plans not only for a new construction home warranty but also for home warranty insurance for older houses.

Looking for a home warranty in a nearby state? Check out our comprehensive reviews on states like Maine, New Hampshire and Rhode Island. 

Nearby States

All states
Home warranty New Hampshire 28 companies available
New Hampshire Home Warranty
Home warranty Rhode Island 28 companies available
Rhode Island Home Warranty
Home warranty Connecticut 30 companies available
Connecticut Home Warranty

Frequently Asked Questions in Massachusetts

Below are just some of the frequently asked questions we receive about home warranties in Massachusetts.

Q.

Is a Massachusetts home warranty worth it?

A.
Repairing and replacing one appliance or system in your home can be expensive. When multiple breakdowns occur in a given year, it can really be a problem.

A home warranty is worth it to protect your bank account from these kinds of surprises. 
Q.

What are the best home warranty companies in Massachusetts?

A.
We are constantly reviewing and researching nearly 70 home warranty providers serving homes in the US. Here are the top providers we have found for the state of Massachusetts. 

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Total Home Protection
Q.

What do home warranties cover?

A.
A home warranty is meant to cover those issues that a homeowner’s insurance policy does not. So when a breakdown occurs due to everyday wear and tear on an appliance or system, a home warranty is there as a line of defense. 

Commonly covered systems include:

  • Electrical System
  • Plumbing System, including stoppages
  • HVAC System, including ductwork
  • Water Heater

Commonly covered appliances include:

  • Clothes Washer
  • Clothes Dryer
  • Dishwasher
  • Refrigerator
  • Oven/stove/range
  • Built-in Microwave

Many home warranty companies also cover smaller items like garbage disposals, doorbells, and ceiling/exhaust fans. 

You can also get optional add-on coverage for things like sump pumps, pool and spa, septic system pumping, and ice-makers.
Q.

How much does a home warranty cost?

A.
The main cost of a home warranty is the monthly premium. While you can save a few dollars per month by opting for either a Systems Plan or Appliance plan, most people choose a Combo Plan for the most comprehensive coverage for the money. Here is the average cost of a combo plan among the five top home warranty providers.

Combo Plan
Monthly
Annually
Top 5 Average
$59
$708

The other cost associated with a home warranty is the service call fee. This charge is made when you contact the home warranty company and they send a licensed contractor to take a look at the issue. A service call fee can range from around $75 to $125 or more. Usually, the higher the service call fee, the lower the monthly premium.
Q.

How do I choose a good home warranty?

A.
To choose the best home warranty for your Massachusetts home, follow these three steps.

  1. Research - Find out what is available in your area, the specifics of plan coverage, and the reputation of the company. 
  2. Compare prices - Don’t just go with the first company you come across. Compare pricing and plans so you are comparing apples to apples. 
  3. Due diligence - A home warranty will not cover everything, so be sure to read the service agreement to see coverage and limitations before you sign.