Best Home Warranty Companies in Massachusetts

Many homeowners underestimate just how much it can cost to repair a home system or appliance. A home warranty can help you protect your home by covering a large percentage of repair or replacement costs. When you sign onto a home warranty, your policy will list a set of covered items. If one of these covered items break down due to normal wear and tear, your provider will help you get a repair in exchange for a small service fee.

With so many home warranty companies operating across the country, finding the best home warranty in Massachusetts can be challenging. Our guide to the best home warranty providers in the Bay State will help you choose the right policy.

Massachusetts’ top 5 home warranty companies

Top home maintenance problems in Massachusetts

Let’s take a look at some of the most common issues homeowners in Massachusetts face that may motivate you to purchase home warranty coverage.

• Roof leaks: Massachusetts is home to many historic properties. Unfortunately, these properties may not have been maintained well, with roofing being one of the most common areas that doesn’t see regular maintenance. Though most home warranties don’t include roof leak coverage in a base policy, you can usually add it on as an optional coverage.
• Heating system damage: Like most states in the North, Massachusetts sees cold winters. With home warranty systems coverage, you can protect your heating system when it breaks down from constant use during this time of year.
• Electrical wear and tear: Massachusetts’s position along the Atlantic Ocean makes it susceptible to hurricanes and tropical storms. This increased level of precipitation can cause your electrical wiring to wear out faster. A home warranty plan with systems coverage can help with these repairs. 

1. Choice Home Warranty

Choice Home Warranty is best known for its longer-than-average, 90-day workmanship guarantee. This ensures that you don’t have to pay another service fee if a system or appliance that was repaired in the last 90 days breaks down again.

Choice Home Warranty currently offers two policies:

• Basic Plan: The Basic Plan includes coverage for 14 home components, like water heaters and dishwashers.
• Total Plan: The Total Plan includes every coverage found in the Basic Plan plus coverage for air conditioners, refrigerators, washers, and dryers.

Here’s what you can expect to pay per month and per year for your coverage from Choice Home Warranty:

In addition to your monthly premium, you’ll also pay an $85 fee each time you request service.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.

2. American Home Shield 

American Home Shield has over 50 years of experience offering home warranty plans. Because of the company’s generous coverage caps and quick response times, customers continue to return year after year to renew their policies. 

American Home Shield has three plan options in Massachusetts:

• Systems Plan: The Systems Plan covers 12 home systems, including plumbing systems and water heaters.
• Appliances Plan: The Appliances Plan covers 10 home appliances, including washer-dryer units and trash compactors.
• Combo Plan: The Combo Plan combines coverage from the previous two plans.

Here’s how much American Home Shield costs on a monthly and annual basis:

When you sign onto a plan from American Home Shield, you’ll choose a service fee of $75, $100, or $125. 

To get a free quote from American Home Shield, fill out this online form or call 888-365-2839.

3. Liberty Home Guard

If you think you might need to use your coverage more often, consider a plan from Liberty Home Guard. Liberty Home Guard offers a service fee of just $60, which is less than the industry average of $75-$125. 

Liberty Home Guard currently offers three plan options:

• Appliance Guard: The Appliance Guard plan offers coverage for nine home appliances, ranging from clothes washers to garage door openers.
• System Guard: The System Guard plan covers six major home systems, including heating and plumbing systems.
• Total Home Guard: The Total Home Guard Plan includes all 15 coverages found in both the Appliance Guard and System Guard plans.

Take a look at monthly and annual costs below:

Liberty Home Guard’s service fee is currently set at $60.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.

4. Cinch Home Services

If you’re searching for the most comprehensive coverage possible, be sure to get a quote from Cinch Home Services. Cinch’s most comprehensive plan includes coverage for close to 30 home components, including unique items like smoke detectors and water dispensers.

Cinch Home Services offers three plans:

• Appliances Plan: The Appliances Plan includes coverage for 12 of your home’s major appliances, like trash compactors and wall ovens.
• Built-In Systems Plan: The Built-In Systems Plan includes coverage for 16 home systems, like HVAC and plumbing systems.
• Complete Home Plan: The Complete Home Plan includes all of the coverages you’ll find in both the Appliances Plan and the Built-In Systems Plan along with up to $500 worth of credit towards your homeowners insurance deductible.

Cinch Home Services allows you to pay for coverage monthly, but it also offers large discounts for paying annually:

When you sign up with Cinch, you’ll choose a service fee of $100, $125, or $150.

To get a free quote from Cinch Home Services, fill out this online form or call 833-743-1056.

5. Amazon Home Warranty

Amazon Home Warranty is the best choice for homeowners who have a number of unique items they need to protect. From wine refrigerators to duplexes, Amazon Home Warranty offers coverage for nearly every type of home appliance or system you might have on your property.

Amazon Home Warranty has three levels of coverage:

• Appliances Plan: The Appliances Plan covers eight home appliances, including microwave ovens and dishwashers.
• Systems Plan: The Systems Plan includes coverage for eight home systems, like hot water heaters and electrical systems.
• Combo Plan: The Combo Plan includes coverage for everything in both the Appliances Plan and the Systems Plan plus a few more items.

Here’s what you can expect to pay for your coverage from Amazon Home Warranty:

You’ll also pay a $75 service fee each time you make a service call.

To get a free quote from Amazon Home Warranty, fill out this online form or call 866-605-8194. 

Massachusetts home warranty buying guide

When purchasing a home warranty, be sure to consider at least the following factors.

• Waiting period: After signing onto your policy, you’ll need to wait a certain amount of time before your coverage can begin. Most companies make you wait 30 days so that you can’t purchase coverage and immediately use it for a system or appliance that was already broken.
• Exclusions: Some home warranty policies may limit the specific parts that it will repair or replace, even on items included in your plan. For example, Liberty Home Guard will cover all mechanical components of your stove, but it won’t cover cosmetic items like handles or racks. To limit how much you have to pay for out of pocket, look for a company with fewer exclusions.
• Response times: If you’ve ever been stuck at home with a broken heating system in the middle of winter, you know how important it can be to get service quickly after a home component stops working. Asking customer service representatives about a company’s average response time will give you an idea of how long you’ll have to wait before your component is up and running again.  

Our conclusion

When recommending these five home warranty companies, we compared a wide variety of factors, including levels of coverage, add-on options, pricing, and customer service. The best home warranty provider for you won’t be the best provider for other homeowners in Massachusetts, which is why we recommend getting custom quotes from every company in this review to see what they can offer you.

Frequently asked questions about Massachusetts home warranties

How long is a typical home warranty?

Most home warranties have a contract term of 12 months, but you can typically renew your policy once it ends.

What’s the difference between a home warranty and homeowners insurance?

A home warranty covers system and appliance breakdowns that are caused by normal wear and tear. Homeowners insurance protects your home from certain perils, like fires, burglaries, and falling objects.

Will my home warranty cover the entire replacement cost?

Though some home warranties do include full replacement cost coverage, many have caps that are below what you’d need to pay for a major system replacement. However, this is still better than paying the entire replacement cost on your own.