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Best 6 Home Warranty Companies in Boston, MA

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Written By Jessica Hurtault | Last Updated: February 05, 2024

Known for its colleges, universities, and pro sports teams, Massachusetts is a wonderful place to own a home. But temperatures in the summer can reach over 90 degrees Fahrenheit, and winters can dip to well below freezing, straining your cooling and heating systems. When these systems fail, you could face high emergency repair costs.

A home warranty could help save your budget. Read on for our list of the best home warranty companies in Boston, Massachusetts.

Best Customer Ratings
4.5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best for Comprehensive Coverage
4.4
  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
Best Value
4.3
  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

6 Best Home Warranty Companies in Boston

Best for Comprehensive Coverage

American Home Shield

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4.4/5

Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options
Plan Name ShieldSilver
Monthly Cost $29.99 – $39.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Doorbell, Ductwork, Electrical, Faucets and Valves, Garage door, Heating system, Main breaker fuse box, Plumbing, Plumbing stoppages, Rekey services, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldGold
Monthly Cost $49.99 – $59.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Refrigerator, Rekey services, Range, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldPlatinum
Monthly Cost $79.99 – $89.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Range, Refrigerator, Rekey services, Roof-leak, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Spa, Septic pump, Well pump

52 Years in Business BBB Rating: B
Best Customer Ratings

Liberty Home Guard

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4.5/5

Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Plan Name Appliance Guard
Monthly Cost $49.99
Service Fee $65.00 - $125.00
Items Covered

Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Range, Refrigerator, Washer

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Systems Guard
Monthly Cost $54.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

Plan Name Total Home Guard
Monthly Cost $59.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Toilet, Washer, Water heater

Add-on Items

Additional spa, Carpet cleaning, Casita guest unit, Central vacuum, Ejector pump, Electronics protection, Freestanding ice maker, Generator, Grinder pump, Gutter cleaning, In-fridge ice maker, Instant hot water dispenser, Lawn sprinkler system, Lighting fixtures, Limited roof-leak, Pest control, Plumbing fixtures, Pool and spa, Pro-series clothes dryer, Pro-series dishwasher coverage, Pro-series microwave, Pro-series range/oven/cooktop coverage, Pro-series refrigerator coverage, Pro-series washing machines, Re-key services, Reverse osmosis water filter system, Saltwater pool, Second refrigerator, Septic system pumping, Stand-alone freezer, Sump pump, Swamp cooler, Trash compactor, Water dispenser water line, Water softener, Well pump, Window washing/cleaning, Wine cooler/fridge

6 Years in Business BBB Rating: A+
Best Value

Select Home Warranty

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4.3/5

Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps
Plan Name Bronze Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Cooktop, Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Stove, Washer

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Care Plan
Monthly Cost $47.75
Service Fee $75.00
Items Covered

Air conditioner, Cooktop, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Stove, Washer, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

11 Years in Business BBB Rating: B-
Best for Customization

America's First Choice Home Warranty

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4.6/5

Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue
Plan Name Silver Plan
Monthly Cost $42.17 – $47.00
Service Fee $75.00 - $125.00
Items Covered

Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Garage door opener, Kitchen refrigerator, Oven, Range, Stove

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Systems Plan
Monthly Cost $49.42 – $54.25
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Plan
Monthly Cost $56.67 – $61.05
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Garbage disposal, Garage door opener, Heating system, Kitchen refrigerator, Oven, Plumbing, Range, Stove, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Plan
Monthly Cost $61.05 – $66.33
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Attic fan, Built-in microwave, Ceiling fan, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Exhaust fan, Faucets, Garbage disposal, Garage door opener, Heating system, Ice maker, Kitchen refrigerator, Oven, Plumbing, Plumbing stoppages, Range, Stove, Water heater

Add-on Items

Central vacuum, Double oven, Electonics coverage, Hot water dispenser, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

14 Years in Business BBB Rating: B
Best Additional Perks

Cinch Home Services

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4.6/5

Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in hawaii or alaska
Plan Name Appliances Plan
Monthly Cost $38.99 – $48.99
Service Fee $100.00 - $150.00
Items Covered

Cooktop, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Range, Range exhaust hood, Refrigerator, Trash compactor, Washer

Add-on Items

Pool, Premier Upgrade Package, Septic, Spa, Well pump

Plan Name Built-in Systems Plan
Monthly Cost $43.99 – $55.99
Service Fee $100.00 - $150.00
Items Covered

Air conditioner, Attic fans, Ceiling fans, Central Vacuum, Disposal, Doorbell, Ductwork, Electrical, Garage door, Garbage Disposal, Heating system, Instant hot and cold water dispensers, Plumbing, Plumbing stoppages, Smoke alarm, Sump pump, Toilet, Water heater, Whirlpool/jetted tubs

Add-on Items

Pool, Premier Upgrade Package, Septic, Spa, Well pump

Plan Name Complete Home Plan
Monthly Cost $54.99 – $66.99
Service Fee $100.00 - $150.00
Items Covered

Air conditioner, Attic fans, Cooktop, Ceiling fans, Central Vacuum, Disposal, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Food center, Garage door, Garbage Disposal, Heating system, Instant hot and cold water dispensers, Microwave, Oven, Plumbing, Plumbing stoppages, Range, Range exhaust hood, Smoke alarm, Sump pump, Toilet, Trash compactor, Washer, Water heater, Whirlpool/jetted tubs

Add-on Items

Pool, Premier Upgrade Package, Septic, Spa, Well pump

45 Years in Business BBB Rating: B
Cheapest Appliances Plan

2-10 Home Buyers Warranty

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4.6/5

Pros

  • Offers a $25,000 annual coverage cap
  • Pairs plans with a plan-length workmanship guarantee
  • Offers unique perks such as color matching appliance replacements

Cons

  • Charges a monthly processing fee if you choose monthly premiums
  • Excludes washer and dryer coverage from most plans
Plan Name Simply HVAC
Monthly Cost $39.70 – $50.20
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Heat pumps, Heating system, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Simply Kitchen
Monthly Cost $22.00 – $31.00
Service Fee $65.00 - $100.00
Items Covered

Built-in microwaves, Cooktops, Dishwashers, Ovens, Ranges, Refrigerators

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Essential Home
Monthly Cost $51.37 – $61.81
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Heat pumps, Heating system, Ovens, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Plumbing and electrical, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Complete Home
Monthly Cost $51.00 – $60.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Supreme Package, Washer and dryer, Water softener, Well pump

Plan Name Pinnacle Home
Monthly Cost $71.00 – $80.00
Service Fee $65.00 - $100.00
Items Covered

Air conditioning, Built-in microwaves, Clothes Dryer, Clothes Washer, Cooktops, Dishwashers, Electrical, Heat pumps, Heating system, Ovens, Plumbing, Ranges, Refrigerators, Supreme Package, Thermostat

Add-on Items

Additional built-in wine cooler, Additional freestanding freezer, Additional pool, Additional refrigerator, Additional wet bar refrigerator, Extended pipe leak, Freshwater pool and spa, Garage-door opener, Luxury package, Roof-leak coverage, Saltwater pool and spa, Second additional built-in wine cooler, Second additional freestanding freezer, Second additional refrigerator, Second additional wet bar refrigerator, Septic system, Water softener, Well pump

39 Years in Business BBB Rating: A-

*BBB ratings are accurate as of August 2023.

**Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Boston
Average Max Temp: 57°F
Average Min Temp: 42°F
Average Annual Snowfall: 59.8"
Homeownership Rate: 36%
Median Home Size: 1227 sqft
Median Home Price: $726,400

Expert Tips By

This Old House empowers homeowners with the knowledge and tools they need to tackle various projects and navigate the complexities of homeownership.

Are Home Warranties Worth It for Boston Residents?

Home warranties are worth it for Boston residents. Summers in Boston can have some very hot days, which means it's important that your air conditioner works well. However, over time this system can malfunction due to breakdowns from regular wear and tear.

Boston also has cold winters, meaning your heating system is working constantly during the colder months. The cost of an HVAC system replacement can range anywhere from $2,500–$8,000. Home warranties, on the other hand, come in at only $644–$737 annually, based on 120 quotes we requested from home warranty companies across the nation.

The frequent rain in Boston can damage your home's roof. The cost of repairs will be lower if your home warranty has roof-leak coverage. Finally, home warranties connect you with reliable service providers.

Reputable home warranty companies vet each service provider they work with. If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.

What To Consider Before Choosing a Home Warranty Company

Consider these key factors when selecting the best home warranty for your needs.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 per month. You'll also pay a service call fee every time you file a claim. These fees can range from $65–$125 per claim. A basic home warranty will be more affordable than a comprehensive one. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly cost. Consider your specific needs before committing to a plan.

Coverage

You can look for a home warranty plan that covers specific systems and appliances. Decide whether you want coverage for major systems (such as heating), specific appliances, or both. Then ask your provider about its options for customized coverage. Here is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Coverage limits are also important. Our research indicates that companies with higher coverage limits usually charge higher premiums. However, these providers may still be the right choice for homes with older appliances or systems.

Exclusions

Most home warranties only cover damage from normal wear and tear. They don't cover improper installation or preexisting conditions. Additionally, home warranties don't cover appliance components or cosmetic issues, routine maintenance, defects, or theft. Providers outline their limitations and exclusions in their service contracts. Thoroughly read your contract to ensure you understand the terms and conditions of your plan.

Provider Reputation

Consider a provider's reputation before choosing a plan. Check its Better Business Bureau rating. You can also read customer reviews on sites like Trustpilot, Best Company, and Google Reviews. These reviews can give you an idea of how providers handle customer service and claims. Check with the Massachusetts Office of Consumer Affairs and Business Regulation to verify that a provider holds a license with the state.

Contractor Network

Take into account a home warranty company's service provider network. Your company should always use licensed and registered contractors to handle service requests. Make sure you ask how and where a company sources its technicians. Select a provider that mentions the names of familiar service contractors. Rural homeowners may consider choosing a home warranty that lets them select their technicians. It's important to have the option to source your own providers if there are no in-network ones available in your area.

Frequently Asked Questions About Home Warranty in Boston

Is a home warranty required in Boston?

No, Boston doesn't require homeowners to have a home warranty. However, we recommend purchasing one because it helps you maintain a budget to cover expensive system and appliance breakdowns. You'll also save time that would be otherwise spent searching for a reliable service technician.

What are preexisting conditions?

Preexisting conditions are breakdowns or issues that a home system or appliance experienced before your coverage began. Many providers won't cover preexisting conditions. You should purchase a home warranty policy when all your systems and appliances still work for complete protection.

What is Boston's best home warranty provider?

Boston's best home warranty provider depends on what you're looking for. American Home Shield is a solid choice for comprehensive coverage limits. You can also consider Liberty Home Guard if you need unique coverage.

Can I get a home warranty that covers other types of home items?

Yes, you can get a home warranty that covers home items beyond common systems and appliances. For instance, some policies may cover sump pumps, septic systems, pools and spas, stand-alone freezers, or well pumps. These are typically considered add-ons. Check with a company representative to determine what add-ons are available.

Why do home warranties have a waiting period before coverage begins?

Home warranty policies typically don't cover already broken items. Therefore, most home warranty providers have a waiting period of 30 days before the start of coverage to ensure appliance and system breakdowns are from normal wear and tear, not preexisting conditions.

How do I file a claim with my home warranty provider?

The normal process for resolving claims is simple. When an appliance or system breaks down, check your home warranty contract to make sure the item is covered. You can then contact the provider to file a claim. You can call or use the provider's online portal. You pay the service fee, and your provider sends a professional contractor to your home to identify and resolve the issue.

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

More Home Warranty Resources

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