clock menu more-arrow no yes

Best Home Warranty Companies in Massachusetts (2022)

To protect your major home systems and appliances, consider investing in a home warranty. In this review, we discuss the top three home warranty providers for Massachusetts homeowners and provide tips to help you choose the best plan for your home.

House Exterior iStock

When a home system or appliance breaks down, it can be a hassle to find a trusted service contractor to make a speedy fix or find room in your budget to pay for the unexpected repair or replacement. A home warranty can make your homeownership experience easier by handling repairs in exchange for a service fee and monthly or annual premium.

Since finding a home warranty can be challenging, especially if you don’t know where to start, the This Old House Reviews Team did the work for you. Keep reading for the best home warranty companies in your state.

Massachusetts’ Top 5 Home Warranty Companies

The highest rated home warranty companies in Massachusetts include:

The providers in this review stand out for their comprehensive coverage plans, affordable pricing, and unique benefits. Here are our five recommended picks in more detail.


American Home Shield

American Home Shield (AHS) is a reputable home warranty company that we recommend for homeowners in Massachusetts.

Here’s an overview of what AHS has to offer:

  • Close to 50 years of industry experience
  • Customizable plans and service fees
  • 24/7 claims center
  • No limit on repairs during contract period

Plans & Pricing

American Home Shield offers its customers three plans: the ShieldSilver™, ShieldGold™, and ShieldPlatinum™. The ShieldSilver covers home systems only, and the ShieldGold adds coverage for appliances to the ShieldSilver’s existing coverage. The ShieldPlatinum plan takes the ShieldGold’s coverage and increases coverage caps for all covered items.

In addition to these plans, AHS also offers coverage for the following items: Electronic extended warranty, pool and spa, well pump, septic pump, guest unit under 750 square feet

When choosing an American Home Shield plan, you’ll select a service fee of $75, $100, or $125. Higher service fees will result in lower monthly premiums and vice versa.

Here’s the monthly cost of each plan with a $75 service fee:

  • ShieldSilver: $54.99 per month
  • ShieldGold: $64.99 per month
  • ShieldPlatinum: $79.99 per month
For a free quote from American Home Shield, fill out this online form or call 844-529-9298.

Learn more: American Home Shield Review


Choice Home Warranty

Choice Home Warranty (CHW) is another good option for those looking for a home warranty company.

Here are some benefits of Choice Home Warranty:

  • Coverage for homes of all ages
  • 24/7 customer service
  • No waiting period if the home was previously covered by a different company

Plans & Pricing

Choice Home Warranty has fewer coverage options than American Home Shield, with only two plans to choose from, but both of them fall under $45 per month. The Basic Plan protects the most important home systems and appliances in your home, and the Total Plan covers those 14 items, plus your air conditioning, washer, dryer, and refrigerator.

CHW also provides optional add-on coverage for the following items: Pool and spa, central vacuum, second refrigerator, well pump, limited roof leaks, standalone freezer, sump pump, septic system, septic tank pumping

In addition to paying a monthly premium you’ll pay a service call fee of $60–$85 every time you file a claim.

Compare the monthly premiums for both Choice Home Warranty plans:

  • Basic Plan: $36.17 per month
  • Total Plan: $43.85 per month
For a free quote from Choice Home Warranty, fill out this online form or call 929-400-6165.

Learn more: Choice Home Warranty Review


Select Home Warranty

Select Home Warranty earns its place on this list for its affordability and free roof-leak coverage. Not only are each of Select’s plans less than $50 a month, all tiers include limited roof-leak coverage up to $400.

Here’s a look at what Select has to offer:

  • Free roof-leak coverage, which is an estimated $99 value annually
  • Same-day response to claims
  • $75 service call fee is on par with the industry average
  • Plumbing stoppages are covered with the Platinum Plan

Plans & Pricing

Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Bronze Care exclusively covers appliances, such as your cooktop, stove/oven, and microwave. Gold Care covers your built-in systems, such as your water heater, plumbing, and cooling systems. Platinum Care covers all the items in the two basic plans plus plumbing stoppages and garage door openers.

Select also offers the following add-on coverage: Central vacuum, lawn sprinkler system, pool, septic system, spa, stand-alone freezer, sump pump, and well pump

Select charges a $75 service call fee each time you file a claim.

Here are the prices we were quoted for a single-family home in Massachusetts less than $5,000 square feet:

  • Bronze Care: $41 per month
  • Gold Care: $41 per month
  • Platinum Care: $47 per month
To request a personalized quote from Select Home Warranty, fill out this quick form or call 888-370-3956.

Learn more: Select Home Warranty Review


Liberty Home Guard

Liberty Home Guard (LHG) is an additional home warranty company that we recommend for those looking for a home protection plan in Massachusetts.

Here are some highlights of LHG coverage:

  • $60 service fee, which is lower than the industry average of $75-$125
  • 60-say workmanship guarantee
  • Unique add-ons, like pest control and re-keying

Plans & Pricing

Liberty Home Guard has three plans: Appliance Guard, System Guard, and Total Home Guard. Appliance Guard covers nine appliances, while System Guard covers six systems. Total Home Guard offers comprehensive coverage for all 15 items for just under $60 a month.

With one of the plans, you have the option to add on protection for over 15 items. Here are a few of them: Re-key, well pump, fixtures (lighting and plumbing), water softener, lawn sprinkler system, electronics protection, swamp cooler, ejector pump, grinder pump

Here are monthly cost estimates for the LHG plans:

  • Appliance Guard: $39.99 per month
  • System Guard: $49.99 per month
  • Total Home Guard: $59.99 per month
For a free quote from Liberty Home Guard, fill out this online form or call 866-452-9107.

Learn more: Liberty Home Guard Review


Complete Care Home Warranty

Complete Care Home Warranty stands out for its affordable $49 service call fee. Compared to the industry average, which falls between $65 and $77 according to our research, Complete Care’s service call fee is more than $15 less than its competitors.

Here are some additional benefits of Complete Care Home Warranty:

  • All plans are less than $50 a month and service call fee is less than $50
  • Company will provide a follow-up service call when requested
  • 90-day workmanship guarantee

Plans & Pricing

Complete Care Home Warranty offers three plan types. The Systems Plan covers items such as your heating and cooling systems, while the Appliances Plan covers items such as your dishwasher and cooktop. The Combo Plan combines the coverage of the two basic plans into one comprehensive package.

Complete Care Home Warranty offers these items for additional coverage: Pool, central vacuum, sump pump, well pump, limited roof leak, stand-alone freezer, septic system, second refrigerator, and septic pumping

Complete Care Home Warranty charges a $49 service call fee each time you file a claim.

Compare the costs for a single-family home in Massachusetts less than $5,000 square feet:

  • Systems Plan: $43 per month
  • Appliances Plan: $43 per month
  • Combo Plan: $50 per month

To request a personalized quote from Complete Care Home Warranty, fill out this online form.

Learn more: Complete Care Home Warranty Review


Our Conclusion

American Home Shield, Choice Home Warranty, and Select Home Warranty have some of the most comprehensive and affordable plans for Massachusetts homeowners. Before buying a home warranty, we recommend getting free quotes from at least three companies to help you compare plan pricing and find a plan that works within your budget.


Frequently Asked Questions About Massachusetts Home Warranties

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

Homeowners insurance protects your home from structural and property damage when an unexpected event occurs, such as theft or fire. A home warranty protects your home’s systems and appliances when they break down due to normal wear and tear. Home insurance is required, while a home warranty is optional.

Who pays for a home warranty?

Typically, the homeowner will pay for the monthly or annual premiums and the service fee, while the home warranty provider covers the cost of labor and parts for repair. One thing to keep in mind is that providers have coverage caps for how much they’re willing to cover per visit. If the repair cost exceeds the coverage cap, the homeowner will have to pay the remaining amount. Read the fine print in your contract before purchasing a plan to ensure you’re comfortable with the coverage caps.

What’s covered under a Massachusetts home warranty?

A home warranty protects major systems such as water heaters, heating, cooling, plumbing, and electrical, and appliances like garage door openers, washers, dryers, and refrigerators. Your standard home warranty plan typically won’t cover items like pools and second refrigerators, but most companies will allow you to add on coverage for these items at an additional cost.


Our Home Warranty Review Methodology: How We Chose The Best Home Warranty Companies

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. With that in mind, we spent time creating an objective rating system to score each home warranty company. Here’s what that review process looks like:

  • We call every home warranty provider, talking to sales agents and company representatives. We get quotes, ask questions, and fully understand the protection plan offerings.
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts from each brand we review. This allows us to break down the industry jargon and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.

With all of that data, we created a rating system to score each home warranty company. Our rating system is a weighted, 100-point scale on the following factors:

  • Plan options (25): Every home and every family needs the right home warranty plan for them. Providers with more options and more flexibility were rated higher than those without.
  • Coverage specifics (5): What does each plan and each provider cover? The more covered by the provider in their basic plans, the higher the score.
  • Pricing (25): Both the monthly fee and the service fee play an important role in the selection process.
  • Trustworthiness (25): There are a number of home warranty companies that aren’t reputable and don’t follow through on their agreements. We gauged trustworthiness based on customer feedback from the BBB.
  • State availability (5): Where you live plays a role in the options you have for a home warranty. Companies scored higher if they covered more states than their competitors.
  • Customer service (10): This factor is based on our own research from calling providers, as well as their guarantees for responding to claims.
  • Additional benefits (5): Some home warranty companies offer special promotions or will cover items in their plans that are usually considered optional coverage for most companies. Home warranty companies that offer these types of benefits were scored higher than competitors that didn’t.

In summary, the This Old House Review Team reviewed 45 companies to select this list of the seven best home warranty providers. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.