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Best Home Warranty Companies in Massachusetts

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.

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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 3 Home Warranty Companies

The highest rated home warranty companies in Massachusetts include:

  1. American Home Shield (AHS): Best Overall
  2. Choice Home Warranty: Best Service
  3. Liberty Home Guard: Most Trusted

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

1. American Home Shield

American Home Shield (AHS) 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. See how each service fee affects the monthly premium:

Pricing of American Home Shield

Plan $75 Service Fee $100 Service Fee $125 Service Fee
Plan $75 Service Fee $100 Service Fee $125 Service Fee
ShieldSilver™ $54.99 per month $44.99 per month $39.99 per month
ShieldGold™ $64.99 per month $54.99 per month $49.99 per month
ShieldPlatinum™ $79.99 per month $69.99 per month $64.99 per month

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

For a free quote from American Home Shield, fill out this online form or call 844-529-9298.

2. Choice Home Warranty

Choice Home Warranty (CHW) 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

Compare the monthly premiums for both Choice Home Warranty plans:

Pricing of Choice Home Warranty

Basic Plan Total Plan
Basic Plan Total Plan
$36.17 per month $43.85 per month

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

Here are some additional Choice Home Warranty benefits:

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

For a free quote from Choice Home Warranty, fill out this online form or call 929-400-6165.

3. Liberty Home Guard

Liberty Home Guard (LHG) 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 estimates for the LHG plans:

Pricing of Liberty Home Guard

Appliance Guard System Guard Total Home Guard
Appliance Guard System Guard Total Home Guard
$39.99 per month $49.99 per month $59.99 per month

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

For a free quote from Liberty Home Guard, fill out this online form or call 866-452-9107.

Our Conclusion

American Home Shield, Choice Home Warranty, and Liberty Home Guard have some of the most comprehensive and affordable plans for Massachusetts homeowners. Before buying a home warranty, we recommend getting free quotes from all 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.

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