Massachusetts is a great place to own a home if you enjoy history, beautiful weather, access to the beach, and some of the best fall leave changes you have ever seen. Homeowners in Massachusetts are lucky to have both city and country life as an option. However, all homeowners have to deal with some stress and headache when it comes to issues with systems and appliances in the home.
Massachusetts is a state with a wide range of weather conditions. These conditions impact the home systems and home appliances and potentially cause normal wear to happen at a faster pace. Finding a home warranty that will protect your budget and give you peace of mind is the best approach. If you are looking for the best home warranty companies in Massachusetts, we will help you find why homeowners need a home warranty, the best companies to choose from, and how to pick the best option for your home.
Quick Comparison of Home Warranty Providers
Company | Monthly Cost | Service Fee | Coverage Limit | Response Time | Rating | States Covered |
 | $46.83–$54.75+ | $85 | $3,000 | 24–48 hours | 4.0 | 49 states, excluding WA |
 | $49.99–$99.99 | $75–$125 | $6,000 | 24–72 hours | 4.5 | 50 States |
 | $49.99–$69.99+ | $65–$125 | $2,000 | 12–48 hours | 4.3 | 47 states, excluding NV, WA, and WI |
 | $60.42–$63.75+ | $60–$75 | $3,000 | 24–48 hours | 4.2 | 47 states, excluding NV, WA, and WI |
 | $30.00–$60.00 | $75–$125 | $3,000 | 24–48 hours | 4.3 | 49 states, excluding HI |
 | $39.99–$54.99 | $100–$125 | $2,000 | 24–48 hours | 4.1 | 48 states, excluding AK and HI |
 | $17.00–$60.00 | $65–$100 | $2,500 | 24–48 hours | 4.0 | 42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY |
 | $36.00–$46.50 | $75–$125 | $3,500 | 24–48 hours | 3.9 | 34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI |
Massachusetts’ Top 4 Home Warranty Companies
Choice Home Warranty
4.1
Our Rating
Choice Home Warranty is the best overall home warranty in the state of Massachusetts. Choice Home Warranty has been offering home warranty plans to Massachusetts homeowners for the last 13 years. Each of the plans comes with impressive customer service, fair pricing, and comprehensive coverage for your home. Choice Home Warranty has some of the highest coverage caps or policy limits on the market. If you have high-end appliances or systems and are worried about long-term costs, Choice is a great plan to consider.
- Our Take: Best Overall
- Average Annual Cost: [$550] – [$650]
- Response Time: Up to 48 hours
There are two very basic policy options from Choice Home Warranty, the Basic Plan and the Total Plan. Each of the plans covers a mix of systems and appliances to give you better overall coverage for your home. The Total Plan at $53 per month is the more popular option from Choice. The Choice Home Warranty plan also has a wide range of add-on coverage to make the policy more customized. You can add anything from your central vacuum to your pool to the policy. The service fee is $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
- Basic Plan ($42 per month): The Basic Plan from Choice Home Warranty covers 13 items, including plumbing system, ceiling fans, garbage disposal, heating system, cooktop exhaust fans, microwave, dishwasher, ductwork, electrical system, garage door opener, oven, toilet, and water heater. Although this plan has good coverage missing the laundry room appliances and the HVAC is an issue for many Massachusetts homeowners.
- Total Plan ($53.33 per month): The Total Plan is the more comprehensive plan and covers all 13 items in the Basic Plan, plus an additional four items. The Total Plan includes the clothes washer, dryer, refrigerator, and air conditioner coverage. This home warranty coverage is a bit broader than the Basic Plan, making it an excellent value.
Choice Home Warranty has several add-on coverages that you can attach to either of its plans.
- Roof leak coverage (single-family homes only)
- Central Vacuum
- Septic Tank
- Well Pump
- Pool
- Spa (Can be combined with pool coverage if the equipment is shared)
- Sump Pump (must be permanently installed)
- Stand Alone Freezer
Liberty Home Guard
4.5
Our Rating
Liberty Home Guard is the most trustworthy home warranty in the state of Massachusetts. Being able to trust that the home warranty you have will come through when a system or appliance breaks is imperative. Liberty Home Guard has only been on the market for two years, yet they already have an A rating with the BBB. When you read customer reviews for Liberty Home Guard, you will see that people are happy about the customer service and the depth of coverage that they get with their home warranty plan.
- Our Take: Most Trustworthy
- Average Annual Cost: [$649] – [$749]
- Response Time: Within 24 hours
Just like Select Home Warranty, there are three standard policies to choose from with Liberty Home Guard. You may notice that the pricing of some of these policies is a bit higher than others, but the coverage list is quite long. If you are worried about leaving certain appliances or systems off of your plan, Liberty Home Guard will ensure things are comprehensive. The list of add-on coverage from LHG is one of the longest on the market. The service fee from LHG is $75, and the coverage caps are typically around $1,500.
Here’s a detailed look at Liberty Home Guard’s coverage:
- Appliance Guard ($64.99 per month): The Appliance Guard plan from Liberty Home Guard has coverage for 11 major appliances, including garage door opener, ceiling fans, cooktop exhaust fan, oven, refrigerator, garbage disposal, dishwasher, microwave, clothes washer, clothes dryer, and refrigerator ice-maker.
- Systems Guard ($69.99 per month): The Systems Guard plan is a systems-only option with nine systems. These systems are the electrical system, air conditioner, bath exhaust fan, heating system, toilet, ductwork, plumbing and plumbing stoppages, and water heater.
- Total Home Guard ($74.99 per month): The Total Home Guard is the best value from LHG. Total Home Guard has more than 20 covered systems and appliances. If you want a plan that covers appliances and systems, the Total Home Guard is the best overall option.
Liberty Home Guard has one of the most extensive lists of add-on coverages in the industry, including:
- Pool and spa
- Additional spa (Billed as an extra to the pool system)
- Saltwater pool
- Gutter cleaning
- Floor/carpet cleaning
- Sump pump
- Fixtures
- Water softener
- Trash compactor
- Lawn sprinkler system (all mechanical parts)
- Electronics protection
- Swamp cooler
- Ejector pump
- Septic system pumping
- Pool and spa
- Additional spa (Billed as an extra to the pool system)
- Saltwater pool
- Gutter cleaning
- Floor/carpet cleaning
- Sump pump
- Fixtures
- Water softener
- Trash compactor
- Lawn sprinkler system (all mechanical parts)
- Electronics protection
- Swamp cooler
- Ejector pump
- Septic system pumping
Select Home Warranty
4.2
Our Rating
The Select Home Warranty is the most cost-effective home warranty plan for Massachusetts homeowners. The Select Home Warranty plan is about nine years old, and they are offered in states all across the nation. Select Home Warranty is very restrictive about the contractors and repair technicians they allow into your home. The process to qualify to be a Select Home Warranty technician is quite difficult and extensive. To offer its customers tremendous value as part of the plan, Select Home Warranty gives free roof leak coverage with each of its plans.
- Our Take: Most Cost Effective
- Average Annual Cost: [$579] – [$650]
- Response Time: Up to 48 hours
There are three Select Home Warranty policies to choose from. The plans are the Bronze Care, Gold Care, and Platinum Care. The combo plan or Platinum Plan tends to be the most popular option as it is just a few dollars more per month but offers double the coverage. Although Select Home Warranty gives free roof leak coverage, there are other options that you can add to the policy for a fair monthly price. The service call fee is very reasonably priced at just $65.
Here’s a detailed look at Select Home Warranty’s coverage:
- Bronze Care ($52 per month): The Bronze Care plan is an appliance-only home warranty plan. This plan covers seven major appliances, including a refrigerator, built-in microwave, clothes washer and dryer, oven, garbage disposal, and cooktop.
- Gold Care ($52 per month): The Gold Care plan is a system-only plan from Select Home Warranty. There is coverage for six systems; plumbing, air conditioning, heating, water heaters, electrical systems, and ductwork. Even though this plan has just six major systems, it also has free roof leak coverage provided.
- Platinum Care ($58 per month): The Platinum Care plan will include all of the appliances under the Bronze Care plan and all of the systems under the Gold Care Plan. For just a few extra dollars per month, the Platinum Care Plan is your best option from a financial perspective.
Select Home Warranty has several add-on coverages that you can attach to either of its plans; roof leak coverage is included without having to pay extra.
- Central vacuums (Does not include clogged pipes)
- Lawn sprinkler systems
- Pools (Can combine with spa coverage if the equipment is shared)
- Spas
- Stand-alone freezers
- Sump pump (must be within the foundation of the home)
- Well pump
American Home Shield
4.2
Our Rating
American Home Shield is the most customizable plan in the state of Massachusetts. Having a plan that can easily conform to the needs of your home is a tremendous benefit. The American Home Shield plan is considered to be a premium option that has impressive features and benefits covered under the plan. The American Home Shield plan has been on the market for more than 50 years. This is truly one of the leaders in the home warranty industry, and you can tell by the impressive coverage that they offer its customers.
- Our Take: Best Customizable Plans
- Average Annual Cost: [$479] – [$779]
- Response Time: Up to 48 hours
There are three American Home Shield plans to choose from. The two combo or comprehensive plans are the most popular because they offer peace of mind for the system and appliances in the home. American Home Shield offers the ShieldPlatinum plan, which is the most premium plan in the industry. AHS also provides a good range of add-on options. They are known for the pool and spa coverage; it is affordable yet effective in keeping your expensive pool equipment repairs from ruining your savings account. The service fee is customizable, ranging from $75 to $125.
Here’s a detailed look at American Home Shield’s coverage:
- ShieldSilver™ ($39.99 per month): The ShieldSilver plan covers 14 home systems, including air conditioning, electrical system, smoke alarms, water heater, central vacuums, doorbells, garage door opener, heating system, garbage disposals, ceiling fans, instant hot/cold water dispenser plumbing, and ductwork. For a systems-only plan, this is a lot of coverage for the money.
- ShieldGold™ ($49.99 per month): ShieldGold is the combo plan covering both systems and appliances. There are 23 home systems and appliances on this plan. The ShieldGold plan has additional coverages, including a clothes washer, dishwasher, clothes dryer, microwave, oven, and refrigerator.
- ShieldPlatinum™ ($64.99 per month): The ShieldPlatinum plan includes 27 systems and appliances. Pricing for ShieldPlatinum is slightly higher, but it is one of the more premium home warranty plan choices in the state of MA. Having home appliances and home systems under one plan will significantly improve your peace of mind and help keep your savings account intact.
American Home Shield also offers several add-on coverages for homeowners to consider.
- Septic system (first-year customers only, nonrenewable)
- Pool
- Spa
- PC
- TV (includes home theater system)
- Well pump coverage
Home Warranties in Massachusetts Cities
How Much Does a Home Warranty in Massachusetts Cost?
We have done some in-depth research and analysis to determine that the average cost of a home warranty in the state of Massachusetts is around $725. This will obviously fluctuate if you live in a 10,000-square-foot home or a small condo or townhouse. In addition, the monthly cost is sometimes customizable depending on the coverage the home warranty offers. Some home warranty providers will offer a sign-on incentive that will give you a few months off if you have just purchased real estate or are new to home warranties.
| Overall | $728.50 |
| Single-Family | $625.67 |
| Multi-Family | $1,102.09 |
| Townhome | $584.00 |
| Condo | $695.27 |
| Duplex | $916.09 |
| Home Over 5,000 sq ft | $1,294.73 |
| Home Under 10,000 sq ft | $638.09 |
Compare the Best Home Warranty Companies in Massachusetts
The table below outlines data for the best home warranty companies in Massachusetts and beyond.
Company | Monthly Cost | Service Fee | Coverage Limit | Response Time | Rating | States Covered |
| | $46.83–$54.75+ | $85 | $3,000 | 24–48 hours | 4.0 | 49 states, excluding WA |
| | $49.99–$99.99 | $75–$125 | $6,000 | 24–72 hours | 4.5 | 50 States |
| | $49.99–$69.99+ | $65–$125 | $2,000 | 12–48 hours | 4.3 | 47 states, excluding NV, WA, and WI |
| | $60.42–$63.75+ | $60–$75 | $3,000 | 24–48 hours | 4.2 | 47 states, excluding NV, WA, and WI |
| | $30.00–$60.00 | $75–$125 | $3,000 | 24–48 hours | 4.3 | 49 states, excluding HI |
| | $39.99–$54.99 | $100–$125 | $2,000 | 24–48 hours | 4.1 | 48 states, excluding AK and HI |
| | $17.00–$60.00 | $65–$100 | $2,500 | 24–48 hours | 4.0 | 42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY |
| | $36.00–$46.50 | $75–$125 | $3,500 | 24–48 hours | 3.9 | 34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI |
Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.
Final Thoughts
We hope that you are now feeling more confident about choosing the best home warranty for your Massachusetts home. We know there are a lot of great choices out there, but Choice Home Warranty stands out as the overall best option. With Choice Home Warranty, you get a great mix of value and coverage. The customer service is strong, and the speed of service is quite good as well. Although it is a good idea to get quotes from several different companies, we think you will find that Choice Home Warranty ends up being the smartest option for your home.
How to Choose the Best Home Warranty in Massachusetts
We hope you are starting to feel a little less overwhelmed with your options to purchase a home warranty in Massachusetts. Now that you have the four best on the market, let’s take a look at how you can narrow it down to the perfect plan for your home. Three things to look at when narrowing down the plans are the coverage limits or caps, service fees, and the workmanship guarantee.
- Coverage Limits: All covered items have a limit. The limit will determine how much money you will have to go towards repairs and replacements. Some policies have limits of $500 per covered item, and others will go as high as $3000.
- Service Fees: The service fee is the price you pay when you schedule a service call and report a repair. The service fees range from $60 to $150. If you have a lot of issues in the course of a year, these service fees can add up.
- Workmanship Guarantee: The workmanship guarantee is the amount of time you have that the repair completed by the home warranty company is covered. If a plumber comes to fix an issue and two days later the issue is still broken, the home warranty will cover the additional repair costs. Some workmanship guarantees are 90 days, and others are 180.
Homeowners in Massachusetts can deal with a wide range of home maintenance problems. The most common of these problems has to do with the extreme changes in temperature that Massachusetts homes can see in the course of a year. Take, for instance, the HVAC system, heating system, and even the water heater.
- HVAC: The Massachusetts summers are long, and they are hot. Although everyone will be ready to hit the beach, you won’t want to sleep in a home that is extremely warm and humid. HVAC systems are expensive and require high-priced parts to fix. With a home warranty in place, you will only owe a service fee.
- Heating System: In the middle of a Massachusetts winter, a heating system is essential. When everyone is trying to schedule their repair, your home warranty company will handle it for you and guarantee service within a short period.
- Water Heater: Having a functional hot water heater can make your home a much more enjoyable place to live. Water heaters tend to have shorter life spans than other appliances and systems. Having a home warranty in place can help with replacement costs as well.
What Is a Home Warranty?
A home warranty is a protection plan for your home system and appliances to protect you from large out-of-pocket expenses for repairs and replacements. As homeowners, we never know when one of kitchen appliances may suddenly stop working.
It is hard to prepare from a budge perspective for the unknown, but the home warranty allows for that. Each time a system or appliance breaks down, the service fee is likely the only out-of-pocket cost to the homeowner.
Home Warranty vs. Homeowners Insurance
A home warranty and homeowners insurance are not the same. If you have a home with a mortgage, homeowners insurance is mandatory. The homeowners’ insurance will protect against natural disasters, fires, and major structural damage. With a home warranty, you will simply have coverage of the items that you use most frequently on a daily basis, the home systems, and appliances. Most of the time, the coverage from the home warranty and the homeowner’s insurance do not overlap. In addition, a home warranty is an optional service contract, where home insurance typically is not.
How Does a Home Warranty in Massachusetts Work?
If you have never had a home warranty, then looking at sample contracts may be a bit confusing. Understanding what these companies offer and then what will happen when a service request is filed is quite important. Here are the steps detailing how a home warranty in Massachusetts works.
- Purchase a home warranty policy and wait the 10-30 days before the home warranty will go into full effect; cancellation during this time period is typically free of charge
- When breakdowns with home systems and appliances occur, check your policy documents to ensure that the repair will be covered
- Use the online portal system, a phone call, or a live chat to let a representative know about your home warranty-related issue
- Pay the service call fee before the representative comes to your home to inspect the issue; expect this to happen within 24 to 48 hours after submitting a claim
- Once the issue is inspected, options for repair or replacement will be presented to homeowners; if the appliance or system can’t be repaired, the home warranty plan could offer replacement options
- Repair should happen within 24-72 hours, depending on parts needed and the schedule of the contractor or service technician typically repairs are faster than they would be without a home warranty in place
- If any issues occur within the free reservice period, simply let the home warranty provider know, and they will come back and repair the issue free of charge; most plans offer at least a 30-day workmanship guarantee
What does a Home Warranty Cover?
As you are shopping for a home warranty for your Massachusetts home, you will likely realize that this coverage is split into three main categories, appliances, home systems, and optional add-ons. The appliance will be most of the common options that you find in your kitchen or laundry room; most plans offer a large number of appliances as these are typically easier and less expensive to fix.
Systems plans will include things like the plumbing system, electrical system, and even the HVAC or heating system. These systems typically have high repair costs, and having system coverage in place is very beneficial for Massachusetts homeowners. The add-on coverage is typically things like sprinkler systems and roof leak coverage.
A home warranty provider will only protect against normal wear. If you have intentional breakage or pre-existing conditions, the plan will exclude this from your policy contract.
What is Not Covered by a Home Warranty?
It is very important to take care of your home systems and appliances, even after your home warranty plan is in place. If you are not properly keeping up with routine maintenance, there is a high chance your home warranty claim could be denied. Claim denial is frustrating, but most times, it can be avoided. The most common exclusions from a home warranty plan are…
- Cosmetic issues
- Preexisting conditions
- Natural disasters
- Lack of maintenance and upkeep
- Intentional breakage
- Misuse of a system or appliance
Biggest Complaints about Home Warranty Companies in Massachusetts
Homeowners in Massachusetts are typically quite happy with their home warranty coverage, but there are always some issues that come up that can get people frustrated. The good news is that paying attention to these things before purchasing your home warranty plan will only help you save money in the long run.
- Claim Denial: the most common complaint from a home warranty customer is claim denial. If your claim is denied, you will likely still have to pay the service fee. Take a good look at exclusions before scheduling your next service call.
- Failed Repair: some home warranty repairs fail. This is frustrating as it requires you to wait for another service technician to come to the home and fix the issue. Luckily this typically will not cost you another deductible or service fee.
- Expense: If you have a year where your home warranty plan is not used, you may feel as though the expense was high. This is where the peace of mind factor for having a home warranty plan comes into place. Living with the peace of mind that a breakdown may only cost you $75 is something that is difficult to put a price tag on.
Are home warranties worth it?
Home warranty plans are worth it for Massachusetts homeowners. With the changing weather throughout the year in Massachusetts, along with the higher costs of living around cities like Boston, the home warranty helps keep your budget intact and allows you to enjoy home ownership.
If your new home or old home experiences an issue with something like your HVAC, the cost to repair can be hundreds if not thousands of dollars. With a home warranty in place, you may only have to pay the service fee of $75 or $100. The home warranty plan can also cover replacements in addition to repairs.
Home warranty plans are worth the money because they allow you to live in your home without fear. They save you time and money and make it easier for homeowners of any age to enjoy all that Massachusetts has to offer.
FAQs About Massachusetts Home Warranties
How Much Does A Home Warranty Cost In Massachusetts?
A home warranty in Massachusetts will range in price from $35 a month to $85 a month. You can typically pick and choose coverages to ensure that they work for your individual home. The more coverage that you add to the plan, the higher the overall pricing is going to be. Compare all plan costs, service fees, and add-on coverage pricing to find the cheapest home warranty or the one that fits your budget and needs the best.
What Is A Service Fee?
A service fee is a price you pay when you schedule a repair under your home warranty plan. The home warranty service fee is typically priced between $60 and $150. If a repair fails, most companies will allow for a repair to be done without having to pay an additional service fee.
What Is The Best Home Warranty Company In Massachusetts?
The best home warranty in Massachusetts is Choice Home Warranty. With impressive coverage, time in the industry, and great plan choices, Choice Home Warranty is an intelligent choice. If you have lived in your home for 30 years and have old systems and appliances, Choice Home Warranty will still offer you coverage.
Is A Home Warranty Worth It?
A home warranty is well worth the price that you will pay. All it takes is a few simple repairs to justify the cost of the plan for the entire year. Take a look at how much money you typically spend on repairs related to systems and appliances; you will quickly see how much a home warranty can help.
Today's Homeowner Home Warranty Ranking Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
To make the most of our research, we developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria.