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.
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 and 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:
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.
The 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.
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.
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.