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Best Home Warranty Companies In massachusetts 2024

From the bustling streets of Boston to the charming coastal towns, Massachusetts homes face unique challenges. Unexpected appliance or system breakdowns can disrupt your comfort and budget. This guide explores the Best Home Warranty Companies in Massachusetts, helping you find a plan that protects your essential home features. We’ll compare coverage options, customer service ratings, and value to ensure you make an informed decision.

Our Picks: 5 Best Home Warranty Companies For massachusetts Residents

We've meticulously assessed various providers and determined Massachusetts's top 5 home warranty companies. These firms offer dependable coverage, guaranteeing homeowners peace of mind and seamless functionality of their homes year-round.

Highly Rated By Customers
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • High coverage caps
  • Customizable plans
  • 24/7 emergency assistance

Cons

  • Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite Home Warranty has three coverage plans in its portfolio: the Elite Appliances Plan, the Elite Systems Plan, and the Elite Complete Plan. The Elite Complete covers both appliances and systems. 

The Elite Systems is a system-only plan, and Elite Appliances covers only appliances. The coverage caps for appliances and systems are 7,000 and 8,000, respectively. Find the in-depth information below: 

Plans

Premium (Monthly)

Elite Appliances

$44.99

Elite Systems

$49.99

Elite Complete

$59.99

Elite Appliances 

  • Essential coverage for 8 appliances
  • Covers appliances such as clothes washer, dryer, and dishwasher 
  • Homeowners seeking basic protection for their appliances 

Elite Systems 

  • The plan provides coverage for 7 essential systems in the household 
  • Covers systems such as air conditioning, heating, and electrical 
  • Ideal for homeowners who are looking for systems coverage 

Elite Complete  

  • The plan includes coverage for a total of 15 systems and appliances 
  • Covers water heater, garage door opener, and other essential systems 
  • Perfect for homeowners looking to get coverage for systems and appliances at nominal prices

Why We Picked It?

Elite Home Warranty offers affordable plans that cover both appliances and systems for $60 a month. Homeowners appreciate the company’s readiness to provide fast services, making it a reliable option even in emergencies.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Offers workmanship guarantee of 60-days
  • 24/7 customer service
  • Provides live chat option

Cons

  • Lower coverage limits

Plans, Cost & Coverage

The three plans provided by LHG include Appliance Guard, Systems Guard, and Total Home Guard. The plans include important home systems and appliances, making it a good choice for homeowners. You can find information about the company’s costs and plans in the table below: 

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99

$54.99

$59.99 

Annual Plan

$499.99

$549.99

$599.99

Appliances Guard

  • Nine appliances are covered at $49.99 per month
  • Has coverage for major appliances that are used on day-to-day basis 
  • Appliances for the kitchen and laundry are included 

Systems Guard

  • Comprehensive coverage for important home systems 
  • Covers six major household systems 
  • Homeowners looking to get their expensive systems covered 

Total Home Guard

  • Offers coverage to both appliances and systems 
  • Covers everything from previous plans 
  • Extensive coverage that provides peace of mind

Why We Picked It?

Liberty Home Guard makes it on our list because of its easily accessible services to the customers. The customers also appreciate their flexibility along with the optional add-ons, which allow them to get coverage for more household items and secure them.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$35 - $79

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Large network of contractors for easy repairs
  • High coverage limits
  • Coverage for pre-existing conditions

Cons

  • Higher coverage price

Plans, Cost & Coverage

AHS has three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver includes essential systems coverage, and ShieldGold has systems and major appliances. The ShieldPlatinum has everything in Silver and Gold, and a few additional add-ons. The systems are included for up to $5,000, appliances up to $2,000 in ShieldGold, and $4,000 in ShieldPlatinum. 

The elaborative pricing is mentioned below: 

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$35.83

$39.16

$69.16

Cost at $100 Service Call Fee

$45.83

$49.16

$79.16

ShieldSilver 

  • Covers 14 essential systems like a/c, heating units, and electrical lines
  • Provides a budget-friendly option, starting at a competitive price point of $35.83 

ShieldGold 

  • Has coverage for up to 23 essential home systems and appliances 
  • Moderate monthly premium offering a balance between coverage and cost

ShieldPlatinum 

  • A comprehensive plan that includes everything from ShieldSilver, ShieldGold along with a few additional options 
  • Tailored for homeowners who want comprehensive coverage

Why We Picked It?

American Home Shield is one of the most trusted brands in the market, with 50+ years of experience. Homeowners mainly choose it for its coverage, customer-friendly services, and 30-day service guarantee.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Professional technicians network
  • 24/7 customer service for assistance
  • Quick response to service requests

Cons

  • The low aggregate limit for the contract

Plans, Cost & Coverage

Choice has two plans: Basic Plan and Total Plan. The annual prices for both plans are $532 and $627, respectively. Also, the aggregate coverage limit for covered items is $3,000. 

The pricing for them is as follows: 

Plans

Monthly

Yearly

Basic Plan

$46.83

$532

Total Plan

$54.75

$627

Basic Plan 

  • Offers coverage for 14 essential home systems and appliances 
  • Affordable pricing at $46 per month 

Total Plan 

  • Exhaustive coverage plan, which includes major household items 
  • Complete coverage for household items 
  • Includes 4 additional items along with everything from the basic plan

Why We Picked It?

Choice Home Warranty provides exhaustive coverage in its Basic Plan, making it a good choice for homeowners in Massachusetts. They offer a nationwide network coverage of more than 15,000 to help with home repairs and 24/7 customer service.

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Pros & Cons

Pros

  • Offers regular discounts
  • Affordable plans tailored to different budgets
  • Free roof leak coverage

Cons

  • Lower dollar limits for appliances

Plans, Cost & Coverage

Select Home Warranty provides a Gold Care Plan at $44.42 and a Bronze Care Plan at $44.42. On the other hand, Platinum Care costs $47.75. The coverage cap for HVACs is $3,000 and $500 for electrical systems, appliances, and plumbing work. 

Here are the pricing details: 

Plans

Monthly

Yearly

Bronze Care 

$44.42

$479.99

Gold Care

$44.42

$479.99

Platinum Care 

$47.75

$524.99

Bronze Care 

  • Coverage for eight major home appliances 
  • Ideal for homeowners seeking affordable protection for their appliances 

Gold Care 

  • Includes seven major systems at $44.42 monthly
  • Ideal for homeowners looking for comprehensive system coverage 

Platinum Care 

  • Covers 18 major home systems and appliances 
  • Includes plumbing stoppages, ceiling fans, and garage door openers

Why We Picked It?

Select Home Warranty offers separate coverage plans for home systems and appliances and a combination of both of them. They provide a 60-day guarantee on workmanship and free roof coverage. Furthermore, their dedication to customer satisfaction and efficient service reaffirmed our choice, offering homeowners peace of mind and assurance.

Is Home Warranty Plans Beneficial For Massachusetts Homeowners?

Here are the benefits the home warranty plans in Massachusetts will provide homeowners.

  • Peace of Mind During Harsh Winters: Massachusetts winters can be brutal on your heating systems. A home warranty can provide peace of mind, knowing repairs for your furnace or boiler won't break the bank, keeping your home warm and cozy during the coldest months.
  • Unexpected Appliance Coverage: A warranty can safeguard your essential appliances, such as refrigerators, dishwashers, and washing machines, from unexpected breakdowns.
  • Protection Against Aging Infrastructure: Many Bay State homes boast a rich history, which can also mean older plumbing and electrical systems. A warranty can help cover repairs for these aging systems, preventing small problems from becoming major headaches.
  • Expert Repairs & Reduced Costs: Home warranty plans often provide access to a network of qualified repair technicians. This can ensure quality work and potentially lower repair costs than finding your contractor, especially during emergencies.
  • Budget Predictability: Knowing you have a safety net for appliance and system breakdowns can help Massachusetts residents manage their home maintenance budget more effectively. Warranty plans offer predictable monthly costs instead of facing potentially large, unexpected repair bills.
  • Landlord-Tenant Considerations: For Massachusetts residents who are landlords, a home warranty can be beneficial for rental properties. It can help cover repair costs for appliances and systems, protecting your investment and potentially attracting responsible tenants who appreciate a well-maintained property.

How Much Does A Massachusetts Home Warranty Cost?

Understanding the potential costs involved is essential for Massachusetts homeowners considering a home warranty. Here's a general overview of the cost range for home warranties in the Bay State:

Average Annual Cost

$400 - $600

Average Monthly Cost

$35 - $80

Average Service Fee (Deductible)

$50 - $120

In Massachusetts, the cost of a home warranty can fluctuate based on various factors, and homeowners should take these considerations into account:

  • Historic Home Features: The prevalence of older homes in Massachusetts, especially those with older plumbing and electrical systems, can increase the cost of a warranty due to the higher likelihood of repairs.
  • Location: Home warranty costs can vary slightly depending on your location within Massachusetts. Areas with a higher cost of living, like Nantucket or Cape Cod, may see slightly higher warranty prices.
  • Oil Heat Coverage: Many Massachusetts homes rely on oil heat. Ensure your chosen plan specifically covers oil furnaces or boilers. Oil heat coverage may add to the overall cost compared to state plans, which primarily include gas or electric heating.
  • Deductible: The deductible is the out-of-pocket amount before the warranty kicks in.  Choosing a higher deductible can lower your monthly premium, but remember the initial cost you'll shoulder for repairs.
  • Coverage Level: Plans with broader coverage for appliances and systems naturally cost more than basic plans. Consider what appliances and systems are essential for your comfort and budget in Massachusetts (e.g., prioritizing heating system coverage).
  • Optional Add-on Coverage: Some plans offer optional add-on coverage for selected items in some Bay State homes, such as septic systems or well pumps. These add-ons will increase your overall monthly cost.

Home Warranty Coverage In Massachusetts

Below are some common inclusions and exclusions to guide Massachusetts homeowners in making informed decisions:

General Coverage of Massachusetts Home Warranty:

  • HVAC (Heating, Ventilation, and Air Conditioning) SystemsHVAC coverage is a top priority in Massachusetts. This typically covers repairs or replacements to your furnace or boiler, ensuring you stay warm and cozy during the long winter months.
  • Plumbing SystemsProtection against leaks, clogs, and water heater malfunctions. Given Massachusetts’ occasional freezing temperatures and heavy rainfall, these problems are common occurrences.
  • Electrical SystemsThis coverage is essential for powering appliances and keeping the lights on during potential winter storms. This typically covers repairs from the main electrical panel to a designated point.
  • Major AppliancesAppliances coverage protects essential appliances that keep your home running smoothly,  including refrigerators, dishwashers, ovens, stovetops, garbage disposals, and washing machines and dryers.

Common Exclusions

  • Pre-Existing ConditionsA home warranty plan might not cover existing issues with your systems or appliances.
  • Cosmetic IssuesRepairs purely for aesthetic purposes are generally not covered.
  • Maintenance NeglectBreakdowns stemming from inadequate maintenance of appliances and systems might not be included. Regular upkeep is crucial to guarantee coverage.
  • Specific ExclusionsCarefully review the plan details, as companies may have varying exclusions. Understanding these exclusions is crucial for making informed decisions.

Here are Additional Points to Consider

  • Coverage CapsPlans may limit how much they will cover for repairs or replacements. Understanding these limits ensures that you are aware of potential out-of-pocket expenses.
  • Service Call FeesSome companies charge a set fee for each service call, while others may have variable fees. Knowing these fees upfront helps you budget for potential repairs.
  • Radon Mitigation SystemsThese can be crucial for healthy indoor air quality in some Bay State homes.  If you have one,  investigate whether your chosen plan offers breakdown coverage.

Who Regulates Home Warranty Companies In Massachusetts?

Agencies that regulate home warranty companies in Massachusetts are:

  • Massachusetts Division of Insurance (DOI)Home warranty companies must be registered with the Massachusetts DOI. This registration process ensures they meet baseline requirements to operate in the state. These requirements include filing a $25,000 surety bond to protect Massachusetts residents if the company goes bankrupt and fails to fulfill its obligations.
  • Consumer Protection LawsHome warranty contracts in Massachusetts are subject to the state's unfair methods of competition and unfair or deceptive acts or practices (UM/UDAP) laws, which the Attorney General's Office enforces. These laws mean companies cannot mislead consumers with their advertising or engage in deceptive sales tactics.

Final Words

The landscape of home warranty options in Massachusetts offers homeowners a valuable array of choices to safeguard their investments and enjoy peace of mind. With diverse plans tailored to the unique needs of Bay State residents, these home warranty companies address the challenges posed by historic homes, winters, and localized preferences.

Frequently Asked Questions (FAQs)

What Are The Most Common Appliance Repairs In Massachusetts?

A.

In Massachusetts, common appliance repairs frequently involve challenges with heating systems, air conditioning units, and kitchen appliances. The state’s diverse climate contributes to prevalent heating system issues, including furnace malfunctions or thermostat problems. Also, air conditioning repairs may address compressor failures or refrigerant leaks influenced by seasonal variations.

Are Home Warranties Worth It In Massachusetts?

A.

Considering Massachusetts’ climate variations, which include cold winters and warm summers, home warranties become even more valuable. The state’s harsh winter conditions can increase the strain on heating systems, making them more prone to malfunctions. 

Similarly, air conditioning units may face challenges during hot summers, and kitchen appliances may experience heightened usage.

How To Cancel Select Home Warranty In Massachusetts?

A.

To terminate a Select Home Warranty agreement, contact customer service and contact a representative by dialing 1-855-267-3532. You can cancel the service contract without incurring penalties within the initial 30 days, during which you are eligible for a complete refund.

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