Best overall
Regency Total Warranty
3.9
1,077 reviews
- Plans available
- EssentialGuard and TotalGuard
- Service fees
- $60 to $100
- Starting costs
- $44.99
- Labor guarantee
- Unclear
Best Home Warranties in Massachusetts
- Best overall
Regency Total Warranty3.9(1,077) - Value
American Home Shield3.7(110,096) - Quick service
Choice Home Warranty4.0(74,211)
By:
Taylor Sansano
+1 more
Edited by:
Matt Zane
Best Home Warranties in Massachusetts
Regency Total Warranty is the best home warranty company in Massachusetts, according to verified reviews from local homeowners. American Home Shield is a good budget option, and Choice Home Warranty stands out for fast response times.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,839,963 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Our 4 home warranty company picks in Massachusetts
- Best overall: Regency Total Warranty
- Best value: American Home Shield
- Best for quick service: Choice Home Warranty
- Best for roof coverage: Select Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in Massachusetts. Read our guide to choose the best home warranty in Massachusetts for you by comparing plans, contract lengths and service fees.
Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
Compare home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 Regency Total Warranty | Learn More | 3.9
1,077 reviews
1,077 reviews
| Best overall | $44.99 | $60 to $100 |
 American Home Shield | Get a Quote | 3.7
110,096 reviews
110,096 reviews
| Value | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
74,211 reviews
74,211 reviews
| Quick service | $46.83 | $100 |
 Select Home Warranty | Get a Quote | 3.5
16,031 reviews
16,031 reviews
| Roof coverage | $60.42 | $75 to $100 |
Our 4 Massachusetts home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Massachusetts on ConsumerAffairs.
Best value
American Home Shield
3.7
110,096 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Service fees
- $100 or $125
- Starting costs
- $29.99
- Labor guarantee
- 30 days
Best for quick service
Choice Home Warranty
4.0
74,211 reviews
- Plans available
- Basic and Total
- Service fees
- $100
- Starting costs
- $46.83
- Labor guarantee
- 60 days
Best for roof coverage
Select Home Warranty
3.5
16,031 reviews
- Plans available
- Bronze Care, Gold Care and Platinum Care
- Service fees
- $75 to $100
- Starting costs
- $60.42
- Labor guarantee
- 180 days
Home Warranties in Massachusetts Buyers Guide
Jump into our guides and start learning
In this guide
Massachusetts experiences cold winters and humid summers. The state has a mix of historic housing, especially in Boston and older towns, alongside newer suburban developments. Regardless of where you live in the Bay State, we'll walk you through finding the right coverage.
Massachusetts homeowners should prioritize heating and plumbing coverage. Winter is severe, and furnace failures are common. Older homes often have aging systems that are prone to breakdown.
Jump to insightMassachusetts home warranty plans cost $35 to $90 per month on average. Your rate depends on the coverage level, your service fee and any add-ons.
Jump to insightHome warranty plans are designed to cover the high cost of repairing or replacing your home's major systems (like air conditioning and electrical) and appliances (like your dishwasher and refrigerator).
Jump to insightHow to choose a home warranty in Massachusetts
To choose the best home warranty in Massachusetts, start by deciding which parts of your home need protection, then compare different companies’ offerings, sample contracts and customer feedback. Use the advice below to make the process easier and more effective.
1. Decide what coverage you need
First, determine if you want to cover just appliances, only critical systems or both. If your heating, plumbing and electrical systems are original but your appliances are newer, a systems plan is likely best. If your systems are updated but your fridge and washer are old, consider an appliance plan.
Combo plans are popular for comprehensive protection, especially in Massachusetts’s older homes. The state has extremely old housing, especially in Boston and historic towns with many pre-1900 homes. If your home was built before 1950, prioritize systems coverage.
2. Compare costs
Don’t just look at the monthly premium — total annual cost can vary a lot based on plan, service fees and add-ons. Service fees for each claim usually range from $75 to $150, which adds up if you file more than one claim in a year.
Coverage caps are also important. Companies only pay a portion of your repair or replacement costs. Add-ons like roof leak or sump pump protection can also change your annual spend.
Massachusetts home warranty costs vary widely by region and housing age. Historic Boston and older towns typically have higher costs. Suburban and rural areas have more moderate pricing.
3. Review sample contracts
Always check the fine print before you choose a company. Sample contracts are typically available online and spell out what is and isn't covered, such as exclusions for preexisting conditions or certain types of damage. Look for details on waiting periods, how to file claims, maximum payouts and any fees for canceling.
When reviewing contracts, check freeze damage and ice dam exclusions carefully, while also verifying electrical and plumbing coverage for older homes. Coastal homeowners should ensure storm surge and nor'easter damage coverage.
4. Read customer reviews
Reading reviews from other Massachusetts homeowners gives you insight into real-world experiences. Focus on claims approval speed, how easy it is to schedule repairs and if the company explains costs clearly.
Look for Massachusetts reviews from customers in your specific region. Boston and historic towns report different experiences from suburban or rural areas.
Although Helen in Lancaster was ultimately satisfied with the service she received, she was frustrated that it took over a week to get a technician to her. “They initially couldn't find anyone in my small town to do it. I'm in a town of only 8,000. … I had to make a number of calls to get the installation done.”
Positive reviews will mention easy claims and good service, while negative ones typically mention denials or unexpected fees.
How much does a home warranty cost in Massachusetts?
The average annual premium for a home warranty is $684, as of June 2025. A Massachusetts home warranty costs between $360 and $1,080 annually, based on plans from our top picks.
Cost range by home warranty provider
| Company | Monthly starting cost | Service call fee | |
|---|---|---|---|
Regency Total Warranty | Learn More | $44.99 to $49.99 | $60 to $100 |
American Home Shield | Get a Quote | $29.99 to $89.99 | $100 or $125 |
Choice Home Warranty | Get a Quote | $46.83 to $54.75 | $100 |
Select Home Warranty | Get a Quote | $60.42 to $63.75 | $75 to $100 |
Monthly or annual premiums
Most home warranty companies offer both monthly and annual payment options. Monthly payments break up your costs, while annual payments often come with discounts. Your total cost depends on your plan and any extra coverage you choose.
Service call fees
Whenever you request a repair, you’ll pay a service fee — similar to a deductible — that typically ranges from $75 to $150 in Massachusetts. This is paid directly to the technician each time they visit for a covered claim.
Add-on coverage
Many home warranty companies allow you to tailor your plan by adding extra items like pool coverage or well pump protection. Each add-on can cost between $2 and $25 per month.
Other home warranty cost factors
A few factors will affect your home warranty price:
- Home size and type: Larger houses or older properties often cost more to cover.
- Level of coverage: Combo plans that include both appliances and systems are typically higher priced, while cheaper warranty plans may only cover a handful of items.
- Location: Massachusetts's extreme housing age and coastal exposure may affect warranty costs. Historic urban areas typically cost more than suburban or rural regions.
- Discounts: Multiyear contracts and promotions can lower your cost.
Example: total annual home warranty costs
- Comprehensive coverage ($59 per month): $708 per year
- Add-on for roof leak repair ($12 per month): $144 per year
- Three claims ($110 service fee): $330
- Total: $1,182 per year
What does a Massachusetts home warranty cover?
In Massachusetts, home warranty companies typically offer three coverage types: appliance-only, systems-only and combination plans.
- Appliance plans protect items like fridges, dishwashers, ovens, built-in microwaves, washers and dryers.
- Systems plans cover home systems such as heating, plumbing, electrical and water heaters — all essential when winter hits hard in Massachusetts.
- Combo plans give you the widest safety net, covering both appliances and systems.
You can also customize your plan. In Massachusetts, consider add-ons for roof leak repair, sump pump coverage and well pump protection in rural areas.
» LEARN: What voids a home warranty
How much can you save with a Massachusetts home warranty?
What you save with a home warranty depends on the actual repairs you need in any given year. Even a single covered breakdown can make the investment worthwhile.
According to the Consumer Financial Protection Bureau, homeowners should set aside 1% to 3% of their home’s value each year for repairs and maintenance — much more than the $700 to $1,200 you’d spend yearly on a home warranty and a few service fees. Avoiding just one major repair could mean thousands in savings.
Average repair/replacement costs for covered items
Massachusetts's combination of extremely old housing, harsh winters and coastal storms creates urgent repair demands. Ice dams and frozen pipes are common, and nor'easters can cause severe storm damage. Here's what repairs typically cost in Massachusetts without coverage.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
| HVAC | $150 to $800 | $1,500 to $4,000+ | Yes |
| Electrical | $150 to $500 | $2,000 to $4,500+ | Yes |
FAQ
How does a home warranty work?
A home warranty is a contract that helps cover the cost to repair or replace major home systems and appliances. You pay a monthly or yearly fee, plus a service fee for each technician visit. When something breaks, you submit a claim and the warranty provider arranges a repair or replacement — within coverage limits and after any waiting period.
Is a home warranty worth it in Massachusetts?
A home warranty can be a smart investment if you want protection from large, unexpected repair bills. Many Massachusetts homeowners, especially those in pre-1950 homes, find that covering just one major system breakdown can save more than the plan’s cost.
A home warranty is especially worthwhile if you own an older home, since a major plumbing or electrical failure can exceed $3,500.
What does a home warranty not cover?
Most home warranty plans do not include preexisting issues, poor installation, cosmetic problems or items still under manufacturer warranty. Routine maintenance, landscaping and anything structural like walls or windows are also excluded. Many plans exclude wells, freeze damage and ice dam repairs.
Coverage limits also apply. For example, your appliance coverage could be limited to $2,000 per year. If your refrigerator breaks beyond repair and requires a replacement that costs $3,250, you're responsible for $1,250 out of pocket, in addition to your service fee.
How do you cancel your home warranty?
Each company sets its own rules surrounding how to cancel one of its warranties. However, most follow a pretty similar structure in that they require a written request for cancellation. This can generally be sent via email or traditional mail.
Some companies have rules on how soon in advance the written cancellation must be sent before the end of a contract or the start of a renewal. For example, some companies will automatically renew your policy unless you cancel far enough in advance. In some cases, you may be eligible for a prorated refund of any coverage not used; other companies may charge a cancellation fee.
Read your contract thoroughly to understand how cancellation works before you sign up.
Methodology
The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Massachusetts, then evaluated which performed best for local residents.
We prioritized real customer experiences in Massachusetts but also considered national reviews. Our review evaluation focused on seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
In addition to reviews, we compared the companies on:
- Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
- Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
- Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
- Service call fee: We looked at the service fee each company charged to send a technician to your house to ensure our top picks are in line with industry standards.
- Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.
Guide sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
- Mass.gov, “Service Contracts.” Accessed Nov. 10, 2025.
- Mass.gov, “The homebuying process in Massachusetts.” Accessed Nov. 10, 2025.
- Mass.gov, “940 CMR 3.00: General regulations.” Accessed Nov. 10, 2025.
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Compare top Massachusetts home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
Regency Total Warranty
| 3.9
1,077 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
|
American Home Shield
| 3.7
110,096 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
|
Choice Home Warranty
| 4.0
74,211 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
|
Select Home Warranty
| 3.5
16,031 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
Prestige Home Guard
| 5.0
6 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
Liberty Home Guard
| 4.4
1,519 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
HomeSafe
| 4.3
515 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
ARW Home
| 4.4
2,822 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
Cinch Home Services
| 4.2
12,338 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Read reviews |
First Premier Home Warranty
| 1.9
635 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
HomeServe
| 1.6
2,076 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
GE Service Contracts
| 1.3
341 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
ServicePlus Home Warranty
| 1.4
1,950 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
America's Preferred Home Warranty
| 1.4
12 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
Sears Home Services
| 1.1
399 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.2
6,727 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
Elite Home Warranty
| 1.1
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
Home Warranty of America
| 1.1
4,030 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
HSA Home Warranty
| 1.1
317 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
Super
| 1.0
430 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
The Home Service Club
| 1.0
817 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
Frontdoor
| 1.2
25 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
AFC Home Warranty
| 1.0
2,279 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
American Home Protect
| 1.0
136 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
AHW Home Warranty
| 1.0
384 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
Home Warranty Inc
| 1.0
17 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Global Home USA
| 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Complete Protection Home Warranty
| No reviews | Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. |
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