The best home warranty companies in Massachusetts are American Home Shield and Choice Home Warranty. Both of these service providers offer more inclusive, comprehensive coverage with higher plan limits and more types of breakdowns included under terms.
A home warranty can provide Massachusetts homeowners peace of mind by helping pay for unexpected repair costs without breaking the bank. While homeowners insurance can cover real estate damage caused by hazards like fire and theft, a home warranty helps pay for system and appliance damage that occurs due to regular wear and tear. However, the best plan for you will vary depending on your home’s makeup—read on to learn more about home warranty coverage and how to choose the right provider.
Key Takeaways
- We selected American Home Shield as the top home warranty provider in Massachusetts, reflecting the results of our 2025 survey, in which 33% of residents also chose the company.
- The average cost of a home warranty in Massachusetts ranges from $46–$92 per month, and $536–$1,080 annually.
- Among the Massachusetts homeowners we surveyed, heating systems were the most commonly protected item, with nearly 46% opting for coverage of this essential component.
Top Home Warranty Companies in Massachusetts
After reviewing more than a dozen home warranty plan providers, our team selected the following five service providers as the best home warranty companies in Massachusetts.
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- AFC Home Warranty: Best Technician Flexibility
- Liberty Home Guard: Best Customer Support
Comparing Top Providers
After reviewing sample contracts and collecting individual quotes for dozens of home warranty plans nationwide, our team named the following five service providers as the best in Massachusetts. Compare some important information about our top picks using the table below.
| Provider | Our Score (Out of 5) | Monthly Cost | Service Call Fee | Better Business Bureau (BBB) Rating |
|---|---|---|---|---|
$36–$100 | $100–$125 | B | ||
$60–$68 | $100 | B | ||
$45–$60 | $70 ($150 for after hours and weekends) | B | ||
$44–$82 | $75–$125 | B | ||
$57–$68 | $65–$125 | NR |
Note: Pricing may vary depending on your plan choices and your home’s location, size, and type.
BBB ratings are accurate as of March 2025. Having “No Rating” or “NR” indicates the BBB has not issued a rating due to an ongoing review or update to a company’s profile.
Our Reviews of Top Providers in Massachusetts
After reviewing more than a dozen home warranty companies, our team looked for service providers offering coverage consistent with homeowner needs in Massachusetts. For example, considering the state’s winters, companies with higher coverage limits on heating systems and components ranked higher than those with more limited coverage.
American Home Shield
Coverage Overview
- American Home Shield is our top choice for comprehensive coverage in Massachusetts, with higher coverage limits and more inclusive policy terms than some competitors.
- The company allows you to balance costs and coverage by selecting between two service call fees of $100 or $125. Higher plan tiers also include some benefits usually offered as add-ons, like roof leak protection.
- American Home Shield is a good choice for homeowners looking for a warranty company with a longer operating history, with 50 years of experience.
Keep in Mind
- Higher plan tiers cost more than the Massachusetts state average, while service call fees also run on the higher end of average.
- American Home Shield’s add-on selection is less inclusive than competitors like Liberty Home Guard.
Our Review
American Home Shield (AHS) tops our list as the best choice for comprehensive coverage in Massachusetts. The company has three plans that offer competitive coverage limits of $5,000 on major home systems—like your heating and cooling components—as well as up to $4,000 in protection per home appliance. Plans come with a $50,000 upper annual coverage limit—which should offer enough protection for most breakdowns.
Our team also recommends American Home Shield to residents living in older properties throughout the Bay State. AHS doesn’t require you to submit maintenance records to file a successful claim, which is a bonus if you bought your home many years ago and lack this documentation. The company also doesn’t put an upper age limit on appliances and systems, another major plus for homeowners in historic cities.
Plan Details and Cost
American Home Shield currently offers three plan options to Massachusetts residents:
- ShieldSilver ($43 per month): This is the company’s most basic plan, and includes a mixture of major heating and cooling components as well as your plumbing and electrical systems.
- ShieldGold ($53 per month): This plan upgrades the ShieldSilver policy to include all previously listed systems plus 10 unique appliances.
- ShieldPlatinum ($135 per month): This is American Home Shield’s most inclusive plan, with coverage for everything listed on both previous policies, plus a free annual HVAC tuneup, unlimited annual refrigerant coverage, limited roof leak protection, and code violation coverage.
You can learn more about individual and aggregate coverage limits by reading AHS’s sample contract for Massachusetts homeowners. All policies include up to $5,000 in coverage for HVAC systems, and items like electrical systems and plumbing systems do not include specific defined coverage limits.
Appliances covered under the ShieldGold plan have $2,000 in damage protection each term, while the ShieldPlatinum plan upgrades coverage to include up to $4,000 in coverage each year. You can choose between a $100 or $125 service fee for any plan during enrollment.
AHS’s selection of add-on coverage choices includes the following six options:
- Guest unit
- Electronics protection plan
- Pool and built-in spa coverage
- Roof leak repair (included with ShieldPlatinum)
- Septic pump
- Well pump
Choice Home Warranty
Coverage Overview
- Choice Home Warranty is our team’s top choice for basic coverage, with $3,000 limits on most items included under each policy.
- Choice has longer workmanship guarantees of 60–90 days compared to most companies with 30-day terms.
- The company offers two plans with monthly premiums of $70 or less per month.
Keep in Mind
- Add-ons may have upper coverage limits of only $250, depending on the item.
- Unlike most other home warranty service providers, Choice doesn’t allow you to select from multiple service call fees to adjust premium pricing.
Our Review
If you’re a homeowner looking to save money with a basic plan to cover major home components, Choice Home Warranty is worth considering. With two plans priced below $70 per month, Choice offers some of the most affordable home warranties of our top picks in Massachusetts. Choice’s also offers competitive service call fees with a flat rate of $100 per use.
Despite having lower premiums and service call fees, Choice still provides sufficient coverage limits for systems and appliances. Standard items include upper limits of $3,000 per item per term, which is up to $1,000 more than some providers on our list. Choice also doesn’t enforce component age limitations, which makes it a strong choice for Massachusetts residents with older homes. While Choice doesn’t offer an overly extensive list of add-ons, Choice is a good option for home warranty shoppers on a budget.
Plan Details and Cost
Choice Home Warranty offers two plan options to Massachusetts homeowners:
- Basic Plan ($59 per month): A basic coverage option that covers a total of 14 home components, including a blend of systems and appliances.
- Total Plan ($67 per month): An upgraded version of the Basic Plan, with the covered items listed above plus an air conditioning system, refrigerator, and washer-dryer unit.
Choice Home Warranty’s sample contracts outlines $3,000 upper coverage limits for most home appliances and systems. Add-on items like your sump and well pump may have lower limits of $500 or less. The company sets service call fees at $100 per plan use, regardless of your plan choice. Choice is also worth considering if you’re looking for longer workmanship guarantees, with labor protected for up to 60 days and parts up to 90 days.
Choice currently offers 11 add-on options in Massachusetts, including the following:
- Pool and spa
- Septic system pumping
- Septic system
- Sprinkler system
- Sump pump
Elite Home Warranty
Coverage Overview
- Elite Home Warranty is a nationwide home warranty provider offering three pre-set plans and a customizable option, each of which include a flat-rate $70 service call fee.
- Elite includes higher coverage limits of up to $3,000 per item per term as well as an extensive list of add-on options.
- The company is currently offering new enrollees a free ADT home security system when purchasing a new plan.
Keep in Mind
- Elite Home Warranty doesn’t offer a completely online enrollment process like most of its competitors. Customers must contact a representative by phone to complete enrollment.
- While Elite does offer weekend and emergency service calls, these appointments include a higher $150 service call fee.
Our Review
Elite Home Warranty is our top choice for policy customization. While the company doesn’t offer the choice of multiple service call fees, Elite’s plans and wide selection of add-ons makes it easy to create the right plan for your home. You can either choose from one of three pre-set plans or customize your own—a benefit not offered by other companies we’ve reviewed. Plus, from generators to effluent pumps, Elite offers add-on coverage for more rare items you may not find with other service providers.
Elite can also offer a stronger choice if you’re looking for inclusive coverage limits. Most items included under coverage come with at least $2,000 in protection per term, which is competitive with companies like Liberty Home Guard. However, it’s important to keep in mind that Elite’s policies include both individual item limits and upper aggregate caps of up to $15,000 per term, which can limit policy benefits if you have a series of expensive breakdowns in a given year.
Plan Details and Cost
Elite Home Warranty offers three plan options in Massachusetts:
- Elite Appliances ($45 per month): This appliance-only plan covers eight major home appliances, including your cooktop, clothes dryer, and more.
- Elite Systems ($50 per month): A systems-only plan that covers eight home systems.
- Elite Complete ($60) per month: A combination plan that covers everything outlined under both previous policy options.
Based on Elite’s sample contract, each plan includes individual coverage limits for each home system and appliance. For example, refrigerators include up to $3,000 against breakdowns per year, while electrical systems have $2,000 worth of annual protection. However, note that select items have lower limits. For example, a garbage disposal is protected against just $500 in damage per term. Each individual cap counts towards your plan’s aggregate or overall annual limit of $7,000 for appliances and $8,000 for systems.
Elite Home Warranty also offers a selection of more than 30 add-on options to Massachusetts residents, including the following quick list of choices:
- Generator
- Lawn sprinkler system
- Pool equipment
- Pro-series kitchen appliances
- Sump pump
AFC Home Warranty
Coverage Overview
- AFC Home Warranty allows policyholders to choose their own service technician instead of having one assigned from a predefined network. This is beneficial if you already have a local service provider you want to continue working with.
- Offers a workmanship guarantee that lasts as long as you’re an active policyholder.
- The company’s most inclusive policy, the Diamond Plan, includes unique standardized items like electronics coverage and protection for exterior water lines.
Keep in Mind
- While AFC Home Warranty offers a low-cost Silver Plan in some states, this option is currently not available in Massachusetts.
- AFC Home Warranty charges a $75 cancellation fee if you cancel your plan after the initial 30-day waiting period.
Our Review
AFC Home Warranty is our team’s choice for homeowners who want to choose their own home service technicians. Unlike most home warranty companies, AFC Home Warranty allows you to choose your own technician as long as they’re licensed and meet local service requirements. AFC Home Warranty’s policies also include generous upper coverage limits of up to $3,000 for major systems like your air conditioning components and clothing washer.
Another major benefit of AFC Home Warranty is its unlimited lifetime workmanship guarantees. While most other companies guarantee service and parts for up to 30 days from the date of each repair appointment, AFC Home Warranty’s policies cover repairs for as long as you’re a policyholder. This means you shouldn’t have to pay multiple service call fees or other out-of-pocket expenses if the same malfunctions occur multiple times.
Plan Details and Cost
AFC Home Warranty offers three plan choices in Massachusetts:
- Gold ($44 per month): The company’s most basic plan, covering a mixture of 15 home systems and appliances.
- Platinum ($51 per month): An upgraded version of the Gold Plan, covering all 15 items plus ceiling fans, exhaust fans, and a few extra components.
- Diamond ($82 per month): The most inclusive coverage option, extending Platinum benefits to include electronics, exterior sewer lines, and exterior water line components.
AFC Home Warranty links a sample contract for each of its policies online—for example, you can read about Gold Plan coverage. All policies include individual item coverage limits with an aggregate cap of $10,000 per term. Coverage limits on most items range between $500 and $3,000, with more protection applied to major systems and appliances. Note that lower aggregate limits of $500 apply to electrical and plumbing systems.
AFC Home Warranty offers the following add-ons for new plan enrollments in Massachusetts:
- In-ground pool and spa
- Roof leak coverage
- Sump pump
- Standalone freezer
- Total Electronics Package
Liberty Home Guard
Coverage Overview
- Liberty Home Guard is our top choice for homeowners looking for a warranty provider with unique support features, including 24/7 customer service and a mobile app.
- Each of Liberty’s policies cost $70 or less a month for Massachusetts residents. Plans also include solid upper coverage limits of $2,000 for most items.
- With over three dozen individual add-ons, Liberty Home Guard is also a good choice for homeowners with more personalized properties looking for unique coverage options.
Keep in Mind
- Liberty Home Guard outlines a $65 to $125 service call fee in its service contract, but doesn’t specify an exact rate until after enrollment. If you purchase a plan from Liberty, contact a representative to confirm service call fee pricing before buying coverage.
- Liberty Home Guard limits plumbing and electrical system coverage to $500 per term, which might not work for some Massachusetts homeowners.
Our Review
Liberty Home Guard stands out among other home warranty providers we’ve reviewed for its customer service features and reviews, some of which indicate a streamlined claims process and helpful representatives. Liberty currently maintains a customer review score of 4.3 out of 5 stars on the BBB and a Trustpilot score of 4.7 out of 5 stars. These customer satisfaction scores are significantly higher than most other home warranty providers we’ve reviewed.
Liberty offers three plan options, with most items including upper coverage limits of $2,000. Exclusions include your plumbing and electrical systems, which both have lower coverage limits of $500. Liberty’s is also notable for its wide selection of add-on options, which includes more than 30 components and home services.
Plan Details and Cost
Liberty Home Guard currently three plan options in Massachusetts:
- Appliance Guard ($57 per month): This plan covers appliances only, with protection for nine major kitchen and laundry components.
- Systems Guard ($62 per month): This plan is Liberty’s option for system-only coverage, with five unique systems included under benefits.
- Total Home Guard ($68 per month): This plan is Liberty’s most comprehensive coverage option, including all items listed on both previous policies.
Most items covered under Liberty Home Guard plans have upper limits of $2,000, including your heating system, washer, and built-in microwave. Plumbing systems, electrical systems, and add-ons have a lower coverage limit of $500 per item, according to Liberty’s sample contract.
Liberty Home Guard is notable for its long list of add-on options. Massachusetts residents can pick from more than 30 options, including the following five choices:
- Limited roof leak coverage
- Pool and spa
- Pro-series dishwasher
- Pro-series range, oven and cooktop
- Septic system pumping
Our Experience Filing Claims
To test each company’s claims process, we interviewed homeowners across the country who had filed a claim with our top-rated service providers. To learn more, we asked homeowners to report their experiences when signing up for a plan, filing claims, and interacting with representatives.
For example, our American Home Shield tester reported the claims process was fast and simple. Our tester said they received a call from a local technician for a needed repair within five minutes of the company confirming their claim. The assigned contractor was courteous, professional, and knowledgeable.
However, Choice Home Warranty’s claims process was not as smooth based on another tester’s experience. While enrollment was quick and the price was appealing, our tester reported excessive wait times and a lack of contractor availability. Our tester was particularly frustrated with a lack of responsiveness from representatives.
Home Warranty Costs in Massachusetts
The average home warranty cost in Massachusetts ranges between $46 and $92 per month, slightly higher than the national average of $56 per month. The cost of a home warranty varies based on several factors, including the specifics of your home and the coverage you choose. For example, plans with more inclusive terms or a lower service call fee tend to cost more. Home size, add-on options, and your location within the state can also impact overall pricing.
The table below summarizes both monthly and service fee pricing for our recommended home warranty providers in Massachusetts.
| Provider | Monthly Cost | Service Fee |
|---|---|---|
| American Home Shield | $43–$135 | $100–$125 |
| Choice Home Warranty | $59–$67 | $100 |
| Elite Home Warranty | $47–$60 | $70 |
| AFC Home Warranty | $44–$82 | $75–$125 |
| Liberty Home Guard | $57–$68 | $65–$125 |
How We Determined Home Warranty Pricing
We gathered over 4,000 quotes from 13 providers across all 50 U.S. states to estimate home warranty costs in Massachusetts and nationwide. We used sample addresses for single-family homes, both under and over 5,000 square feet, in urban and rural areas of Massachusetts, including cities like Boston, Goshen, Newton, and Worcester. We also collected national pricing data for similar-sized homes. After gathering the data, we averaged costs to determine price ranges for both Massachusetts and the country as a whole.
Survey Insights from Massachusetts Homeowners
In 2025, our team surveyed 2,000 homeowners across the U.S. about their home warranty experiences. In Massachusetts, where the housing market includes many older homes, it’s no surprise that residents sought home warranty coverage for aging systems. We found that 52% of homeowners purchased older appliances and systems coverage. Most respondents reported living in pre-owned homes, with 43% residing in homes 20 years or older and 38% in homes 20 years or younger. Given this type of coverage was the top priority for homeowners, 59% opted for comprehensive plans with full home protection.
Massachusetts residents also prioritized heating or furnace coverage, with 46% selecting protection for these systems. For appliances, 62% of respondents chose protection for their water heaters. Add-on options were also popular, with 50% of residents opting for roof leak coverage. Other common add-ons included supplemental home system coverage (39%) and appliance coverage (22%).
Nearly half of Massachusetts homeowners have filed claims for system repairs or replacements, while 37% required appliance repairs or replacements. The majority of homeowners (88%) said their claims were approved. The most common reasons for denied claims were preexisting conditions and lack of item coverage. Satisfaction with claims outcomes was high, with 51% of respondents feeling satisfied and 30% feeling very satisfied, particularly with the efficiency of the claims process and the quality of repairs. More so, 71% of homeowners plan to renew their contracts when their current terms end.
How We Collected Our Survey Data
In 2025, we surveyed 2,000 homeowners across the country to better understand their experiences with home warranty plans. The survey explored various aspects of the home warranty process, including reasons for purchasing coverage, satisfaction levels, and interactions with claims and customer service. Additionally, we examined factors like pricing, add-on coverage options, and homeowner intentions regarding policy renewals.
FAQs About Home Warranties in Massachusetts
What is the top-rated home warranty company?
In our review, the best home warranty company operating in Massachusetts is American Home Shield. The company offers higher coverage limits for items included under each of its three plans, as well as more inclusive policies that don’t require you to provide maintenance records when filing a claim. This can especially benefit homeowners living in older cities like Boston.
Is a home warranty worth it in Massachusetts?
After reading dozens of home warranty sample contracts and surveying homeowners across the country, our review team found a home warranty is worth the cost for homeowners who file at least one claim per year. However, it’s important to read the terms and conditions of coverage before purchase to avoid surprises if you need to file a claim.
Is a home warranty a tax write-off in Massachusetts?
A home warranty is not usually deductible from personal income tax expenses. However, you can possibly deduct home warranty service call fees and premiums in certain circumstances—like when buying a plan for a rental or investment property. If you’re unsure whether your specific plan qualifies as a deduction, it’s a good idea to consult a tax professional for personalized advice.
What does a home warranty cover in Massachusetts?
A home warranty usually covers the repair or replacement of major home systems and appliances needed due to normal wear and tear. Some items you’ll often see covered include your air conditioning system, electrical components, water heater, and kitchen appliances. However, coverage varies by plan and provider, so it’s important to review a sample contract to see exactly what is—and isn’t—covered in Massachusetts.
How We Evaluated Home Warranty Providers
Our team uses a detailed review methodology to score individual home warranty providers and choose which companies to recommend to residents of each state, including Massachusetts. We used a series of sample addresses in Massachusetts and nationwide to compare quotes and reviewed a sample contract for each available plan. We also spoke directly with representatives and considered insights from previous policyholders when evaluating service providers.
We ranked each home warranty service provider based on the following factors, each of which has an assigned point value. We gave each company a score out of 100 points based on our review, which we converted into a final score out of 5 stars.
- Coverage: Coverage was one of the most important factors we considered when choosing our home warranty rankings. Comprehensive plans with limits of at least $2,000 for Massachusetts-essential components like your HVAC system, and appliance limits of at least $1,000 for items like your washing machine, water heater, and ductwork, received higher rankings.
- Cost: After individually collecting quotes from more than a dozen home warranty companies, we compared pricing for each plan against both state and national averages. Home warranty providers with average pricing below the state average and with service call fees of $100 or less received the highest rankings.
- Trustworthiness: Home warranty companies with higher BBB ratings, National Home Service Contract Association (NHSCA) membership, and no ongoing lawsuits ranked highest in trustworthiness. We also awarded additional trustworthiness points to providers offering longer workmanship guarantees.
- Plan transparency: Our reviewers read service contracts from each provider we reviewed when ranking transparency. Companies with clear disclosures both online and within service contract terms received the highest scores. Home warranty companies without sample contracts and those charging cancellation fees received lower scores.
- Customer support: When ranking customer service, our team individually contacted representatives to learn more about wait times and responsiveness. Companies with various options available to contact customer service and availability in more states also scored higher in this category.
- Flexibility: Finally, our team considered policy and service flexibility offered to home warranty customers. Companies with more policy and service call fee options, increased add-on choices, and free cancellation received higher scores in this category.
