Home Warranty Companies in Massachusetts
2026 State Guide
Our data lists 11 of the 15 companies we track as serving Massachusetts. AFC Home Club ranks first among them at 8.2 out of 10. The state has cold, snowy winters and warm summers, moderated by its Atlantic coast position.
Companies Available
11
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Heat
heating, our reading
Regulator
Massachusetts Division of Insurance and Attorney General
Home-specific rules
Massachusetts State Snapshot
Housing units
3,045,948
Owner-occupied rate
62.6% (US 65%)
Median home value
$525,800
Primary HVAC risk
Heating (our reading)
Companies listed
11 of 15 tracked
Regulatory body
Massachusetts Division of Insurance and Attorney General
62.6% of Massachusetts homes are owner-occupied, below the 65% national rate, and the median owner-occupied home is worth $525,800, 73% higher than the national median of $303,400.
Source: Census Bureau QuickFacts for Massachusetts. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Massachusetts's largest city, Boston, 35.7% of homes are owner-occupied and the median owner-occupied home is worth $731,700.
Source: Census Bureau QuickFacts for Boston, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
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Climate and Coverage Context
Massachusetts's climate puts heating under strain, in our reading
The state has cold, snowy winters and warm summers, moderated by its Atlantic coast position. July averages run from the upper 60s F to the mid-70s F, with the east warmer than the west; January averages run from the low 20s F in the west to about 30 F near the coast. Annual precipitation ranges from 45 to 55 inches across the state, and precipitation since 1970 has averaged about 4.7 inches more than in 1895 to 1969.
Heating does most of the work here, so check that a plan covers furnaces and boilers and what its HVAC cap is.
Source: NOAA NCEI State Climate Summary for Massachusetts (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Massachusetts estimate. 11 of 15 tracked companies serve Massachusetts in our data; "Likely" and "Check" rows are not verified for Massachusetts.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | MA |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Massachusetts
Highest overall score among companies that serve Massachusetts, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Massachusetts
Check availability: Old Republic Home Protection, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Massachusetts. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Massachusetts Regulates Home Warranties
Regulator
Massachusetts Division of Insurance and Attorney General
Legal framework
Service contract provider registration (G.L. c. 175, 149M-X) and Chapter 93A
Massachusetts requires providers of home and consumer goods service contracts to register with the Division of Insurance and renew every three years under G.L. c. 175, sections 149M to 149X. The Division says service contract sellers, administrators and marketers are subject to the state's law against unfair or deceptive acts in the business of insurance, and complaints can go to its Consumer Services Unit. The Attorney General's regulation 940 CMR 3.08, issued under Chapter 93A, treats failing to disclose a service contract charge clearly and conspicuously as an unfair or deceptive practice. Chapter 93A can bring multiple damages and attorney's fees.
Type of rules: Home-specific rules. A law or program that names home warranties, home service contracts or residential service contracts.
Checked against the official sources listed below. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Massachusetts Division of Insurance: Service Contract Providers
- 940 CMR 3.08, Code of Massachusetts Regulations (Justia mirror)
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Massachusetts Homeowners
Check the company's registration or license
Our sources show rules in Massachusetts that name home warranties, home service contracts or residential contracts. Ask the Massachusetts Division of Insurance and Attorney General whether the company you are considering is registered or licensed before you pay.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Know Chapter 93A
Chapter 93A can bring multiple damages and attorney's fees, and the Attorney General's regulation 940 CMR 3.08 treats failing to disclose a service contract charge clearly and conspicuously as an unfair or deceptive practice. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for Massachusetts. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Massachusetts
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Massachusetts's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Massachusetts Attorney General: file a consumer complaint
The Consumer Advocacy and Response Division takes complaints online or by mail. The Attorney General's office does not represent individual consumers and may share your information with the business you complain about.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Massachusetts
Which home warranty companies serve Massachusetts?
What is the best home warranty company in Massachusetts?
Which home warranty plan has the highest HVAC coverage in Massachusetts?
How much does a home warranty cost in Massachusetts?
How does Massachusetts's climate affect which plan to buy?
Where do I file a home warranty complaint in Massachusetts?
How are home warranties regulated in Massachusetts?
Neighboring States
Compare All Massachusetts-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Massachusetts, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.