{"id":10024,"date":"2024-03-12T03:35:56","date_gmt":"2024-03-12T03:35:56","guid":{"rendered":"https:\/\/topat10.com\/?p=10024"},"modified":"2024-03-12T03:35:56","modified_gmt":"2024-03-12T03:35:56","slug":"top-5-best-home-warranty-companies-in-massachusetts","status":"publish","type":"post","link":"https:\/\/topat10.com\/?p=10024","title":{"rendered":"Top 5 Best Home Warranty Companies in Massachusetts"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div itemprop=\"text\">\n<p>You already have homeowners insurance. So, why buy a home warranty policy? Were you in your basement with a shop vac cleaning up water after your sump pump failed? Also, 2023 tied 2012 as the <a href=\"https:\/\/www.wbur.org\/news\/2024\/01\/09\/2023-record-warmest-year-massachusetts-noaa\">hottest summer on record in Massachusetts<\/a>. It would have been a bad time for your <a href=\"https:\/\/todayshomeowner.com\/hvac\/cost\/ac-repair-cost\/\">air conditioning compressor<\/a> to fail. Homeowners insurance wouldn\u2019t have covered the basement floor or the AC repair. However, a home warranty policy would have picked up much of the bill.<\/p>\n<p>Home insurance typically only covers breakdowns from a so-called \u201ccovered event,\u201d such as a flood. But those same events can lead to an eventual system or appliance failure. The right home warranty could step in a few months after the flood. There are many options for home warranty companies, so we researched them to narrow down the list to the best home warranty companies in Massachusetts.<\/p>\n<p>To find the <a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/best-home-warranty\/.\">best home warranty company<\/a> in Massachusetts, I applied for quotes online, called to request quotes and additional information, read the reviews, and compared what each home warranty covers.<\/p>\n<p>We use specific review criteria from Today\u2019s Homeowner to determine rankings. We analyzed plan options, prices, claims processes, coverage limits, and more. Our goal is to help you choose the best home warranty coverage in Massachusetts, one that steps in when needed.<\/p>\n<div class=\"gb-container gb-container-1ec44ac5\">\n<div class=\"gb-container gb-container-6b5605fa\">\n<p>Why Trust Us?<\/p>\n<p class=\"gb-headline gb-headline-833a84ce gb-headline-text\">Here\u2019s how we ranked and reviewed the nation\u2019s top home warranty companies to bring you the most accurate information.<\/p>\n<\/div>\n<div class=\"gb-grid-wrapper gb-grid-wrapper-0fc132e8\">\n<div class=\"gb-grid-column gb-grid-column-51155eae\">\n<div class=\"gb-container gb-container-51155eae\">\n<p>76<\/p>\n<div class=\"gb-container gb-container-c2f490be gb-accordion\">\n<div class=\"gb-container gb-container-661fa18a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a399d06c gb-accordion__toggle\"><span class=\"gb-button-text\">companies reviewed<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" 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gb-container-855135ce\">\n<p class=\"gb-headline gb-headline-c774fe11 gb-headline-text\">Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-8c16dcf2\">\n<div class=\"gb-container gb-container-8c16dcf2\">\n<p>152<\/p>\n<div class=\"gb-container gb-container-addedde8 gb-accordion\">\n<div class=\"gb-container gb-container-80c16dcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-eefbc2e8 gb-accordion__toggle\"><span class=\"gb-button-text\">quotes collected<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" 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12.6010112,23.2592993 12.5934901,23.257841 L12.5934901,23.257841 Z M12.8583906,23.1452862 L12.8445485,23.1473072 L12.6598443,23.2396597 L12.6498822,23.2499052 L12.6498822,23.2499052 L12.6471943,23.2611114 L12.6650943,23.6906389 L12.6699349,23.7034178 L12.6699349,23.7034178 L12.678386,23.7104931 L12.8793402,23.8032389 C12.8914285,23.8068999 12.9022333,23.8029875 12.9078286,23.7952264 L12.9118235,23.7811639 L12.8776777,23.1665331 C12.8752882,23.1545897 12.8674102,23.1470016 12.8583906,23.1452862 L12.8583906,23.1452862 Z M12.1430473,23.1473072 C12.1332178,23.1423925 12.1221763,23.1452606 12.1156365,23.1525954 L12.1099173,23.1665331 L12.0757714,23.7811639 C12.0751323,23.7926639 12.0828099,23.8018602 12.0926481,23.8045676 L12.108256,23.8032389 L12.3092106,23.7104931 L12.3186497,23.7024347 L12.3186497,23.7024347 L12.3225043,23.6906389 L12.340401,23.2611114 L12.337245,23.2485176 L12.337245,23.2485176 L12.3277531,23.2396597 L12.1430473,23.1473072 Z\"> <\/path> <path fill=\"#9e9e9e\" id=\"\u5f62\u72b6\" d=\"M12,2 C17.5228,2 22,6.47715 22,12 C22,17.5228 17.5228,22 12,22 C6.47715,22 2,17.5228 2,12 C2,6.47715 6.47715,2 12,2 Z M11.99,10 L11,10 C10.4477,10 10,10.4477 10,11 C10,11.51285 10.386027,11.9355092 10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9b418bbf\">\n<p class=\"gb-headline gb-headline-e4fc7235 gb-headline-text\">We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-grid-column gb-grid-column-e928fcce\">\n<div class=\"gb-container gb-container-e928fcce\">\n<p>6<\/p>\n<div class=\"gb-container gb-container-065b1b7a gb-accordion\">\n<div class=\"gb-container gb-container-70fc3e42 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9d4e4cfe gb-accordion__toggle\"><span class=\"gb-button-text\">rating factors<\/span><span class=\"gb-icon\"><svg xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" stroke=\"#ffffff\" fill=\"#ffffff\" version=\"1.1\" viewbox=\"-2.4 -2.4 28.80 28.80\"><g stroke-width=\"0\" id=\"SVGRepo_bgCarrier\"\/><g stroke-linejoin=\"round\" stroke-linecap=\"round\" id=\"SVGRepo_tracerCarrier\"\/><g id=\"SVGRepo_iconCarrier\"> <title>information_fill<\/title> <g fill-rule=\"evenodd\" fill=\"none\" stroke-width=\"1\" stroke=\"none\" id=\"\u9875\u9762-1\"> <g fill-rule=\"nonzero\" transform=\"translate(-672.000000, -48.000000)\" id=\"System\"> <g transform=\"translate(672.000000, 48.000000)\" id=\"information_fill\"> <path fill-rule=\"nonzero\" id=\"MingCute\" d=\"M24,0 L24,24 L0,24 L0,0 L24,0 Z M12.5934901,23.257841 L12.5819402,23.2595131 L12.5108777,23.2950439 L12.4918791,23.2987469 L12.4918791,23.2987469 L12.4767152,23.2950439 L12.4056548,23.2595131 C12.3958229,23.2563662 12.3870493,23.2590235 12.3821421,23.2649074 L12.3780323,23.275831 L12.360941,23.7031097 L12.3658947,23.7234994 L12.3769048,23.7357139 L12.4804777,23.8096931 L12.4953491,23.8136134 L12.4953491,23.8136134 L12.5071152,23.8096931 L12.6106902,23.7357139 L12.6232938,23.7196733 L12.6232938,23.7196733 L12.6266527,23.7031097 L12.609561,23.275831 C12.6075724,23.2657013 12.6010112,23.2592993 12.5934901,23.257841 L12.5934901,23.257841 Z M12.8583906,23.1452862 L12.8445485,23.1473072 L12.6598443,23.2396597 L12.6498822,23.2499052 L12.6498822,23.2499052 L12.6471943,23.2611114 L12.6650943,23.6906389 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10.8833761,11.9932725 L11,12 L11,16.99 C11,17.5106133 11.3938293,17.9392373 11.8999333,17.9940734 L12.01,18 L12.5,18 C13.0523,18 13.5,17.5523 13.5,17 C13.5,16.6710222 13.3411062,16.3791012 13.0958694,16.1968582 L13,16.1338 L13,11.01 C13,10.4893867 12.6060836,10.0607627 12.1000493,10.0059266 L11.99,10 Z M12,7 C11.4477,7 11,7.44772 11,8 C11,8.55228 11.4477,9 12,9 C12.5523,9 13,8.55228 13,8 C13,7.44772 12.5523,7 12,7 Z\"> <\/path> <\/g> <\/g> <\/g> <\/g><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3e6b7d8f\">\n<p class=\"gb-headline gb-headline-0a32b967 gb-headline-text\">Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"has-text-align-right\">Read our full <a href=\"https:\/\/todayshomeowner.com\/home-warranty-methodology\/\">Home Warranty Review Methodology<\/a> for more details.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Top 5 Massachusetts Home Warranty Companies<\/h2>\n<section id=\"th-subscribe-block_55c11e91247649ef74863fee09d52d63\" class=\"th-block th-subscribe\">\n<div class=\"d-flex flex-column my-4 p-4 highlightsBlock\">\n<p>Highlights<\/p>\n<ul>\n<li>Liberty Home Guard was my top pick because it had the largest add-ons list of any service provider, great customer service, reasonable premiums, and could prove it had fast turnaround times in some parts of Massachusetts.<\/li>\n<li>Before you sign a home warranty contract, read the agreement\u2019s exclusions and fine print to avoid a surprise when you file a claim.  Look for exclusions about maintenance records and preexisting problems. AFC Home Club is one provider that requires maintenance and repair records to approve claims, so keep that in mind.<\/li>\n<li>If you live on the South Shore like me and endured significant flooding recently, buy a policy from a company like Liberty Home Guard or Choice Home Warranty. Both companies sell add-on coverage for sump pumps.<\/li>\n<\/ul><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-my-expert-recommendation\">My Expert Recommendation<\/h2>\n<p>I recommend Liberty Home Guard for a home warranty because the company\u2019s premiums are cheaper than those of three of its competitors. It charges reasonable service fees, and it has a superior technician network in Massachusetts. In the Allston area, it responds to an average of five service calls a day with a 12-hour turnaround time.\u00a0<\/p>\n<p>Representatives for Liberty Home Guard have a friendly, confident manner and have answers ready. It has excellent customer reviews, and its website covers almost everything you need to know.<\/p>\n<section id=\"th-tips-block_fa96681c0818a0981539f1888763e733\" class=\"th-block th-tips\" style=\"color: ; background-color: ;\">\n<div class=\"thTipsContainer\">\n<p>Today\u2019s Homeowner Tips<\/p>\n<p>            Ask yourself if your area has experienced any weather-related events that could lead to a home warranty claim. Do you live near the dam in Jackson, Massachusetts? Did temperatures in your area dip to record lows last winter? Pick a plan that covers a sump pump or furnace repairs.        <\/p><\/div>\n<\/section>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h3 class=\"wp-block-heading\">Massachusetts Home Warranty Companies I Didn\u2019t Include<\/h3>\n<p>Not all home warranty providers operate professionally. Two in particular are known for shady sales practices. Others deny a significant number of claims or have customer agreements that seem deliberately confusing. For these reasons, I didn\u2019t include two home warranty companies in Maine on our list.<\/p>\n<p>US Home Guard has such a poor reputation that the\u00a0 Better Business Bureau (BBB) <a href=\"https:\/\/www.bbb.org\/article\/warnings\/27418-bbb-warning-mailers-sent-by-us-home-guard-create-confusion-sense-of-urgency-consumers-tell-bbb\">warned consumers<\/a> about doing business with the company. The BBB said the company was known for confusing and deceptive marketing. US Home Guard uses scare tactics in its marketing \u2014 \u201cYour home warranty is about to expire!\u201d \u2014 through mailers sent to homeowners who had never been customers.<\/p>\n<p>Also, Service Plus Home Warranty paid $400,000\u00a0 to the Massachusetts Office of the Attorney General in 2021 to settle a claim of deceptive marketing. When shopping for a quote online, I did not select the box to allow the company to contact me by phone or text, but the company reached out to me anyway.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-compare-the-highest-rated-home-warranties-in-massachusetts\" data-toc-text=\"Compare Best Home Warranty Companies\">Compare The Highest Rated Home Warranties In Massachusetts<\/h2>\n<p class=\"has-small-font-size\"><em>Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.<\/em><\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\" id=\"h-our-reviews-of-the-best-home-warranties-in-massachusetts\">Our Reviews of the Best Home Warranties in Massachusetts<\/h2>\n<div class=\"gb-container gb-container-9ecbcd85\">\n<div class=\"gb-container gb-container-ae7310e8\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-a1c5dcba\">\n<div class=\"gb-grid-column gb-grid-column-68e5d0eb\">\n<div class=\"gb-container gb-container-68e5d0eb\">\n<p>Best for Customization<\/p>\n<h3 class=\"gb-headline gb-headline-1e790e41 gb-headline-text\">Liberty Home Guard<\/h3>\n<p class=\"gb-headline gb-headline-8a6fa0e3 gb-headline-text\">4.6<\/p>\n<p class=\"gb-headline gb-headline-22b15352 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-3fdd3eb9 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$200 Off + 2 Months free + Free Roof Leak Coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-b6a19f5b gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-adabc3a7 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-c2e411d6 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-2e4faabe gb-tabs__items\">\n<div class=\"gb-container gb-container-d249a59c gb-tabs__item gb-tabs__item-open\">\n<p>In just a few years in business, Liberty Home Guard carved out a strong reputation within the home warranty industry, with Trustpilot and Google reviews that are overwhelmingly positive. Exceptions often relate to misunderstandings about coverage, which is unfortunately common in the industry. The company provides quality customer service, an extensive list of add-ons, and reasonable premiums and service fees. All of it adds up to customers\u2019 peace of mind.<\/p>\n<p>Rather than auto-renewing your policy, which sometimes leads to surprise credit card charges, the company\u2019s renewal department checks if you want to renew 60 days before its expiration date. Also, if you\u2019re unhappy with its service during the contract term, you can opt-out and receive a partial refund.<\/p>\n<p>Within the Allston, MA, area, the company averages five claims a day within a three-mile radius of ZIP code 02134. The average response time is 12 hours. The company\u2019s customer service representative warned me that the response time could be longer within more rural areas of the state.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-212c2d09 gb-tabs__item\">\n<p>Choosing from Liberty\u2019s comprehensive list of extra coverages can be overwhelming, and putting their costs on top of your monthly premiums adds up fast. Extra monthly fees for additional coverage options can be higher than competitor\u2019s prices. For example, pool and spa coverage costs $19.99 a month, but it\u2019s $18 a month with American Home Shield.\u00a0<\/p>\n<p>Liberty\u2019s fees for service calls are also on the higher end. When I called, the representative gave me a lower price of just $100 for a monthly plan or $80 if I bought an annual plan. Coverage limits are also lower, $2,000 per covered item (except when lower), though they reset annually.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8a7035e5 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-d611f17e gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-da53a45d gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 9.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-8bcf5a13\">\n<p>From your first conversation to the time you place a service call, Liberty Home Guard focuses on customer experience. Its large network of service technicians prevents long wait times. You can even track a service technician\u2019s progress on the Liberty app.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8a74e626 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-929af486 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-6d46f2de\">\n<p>Liberty Home Guard sells three home warranty plans: one for appliance coverage, one for system coverage, and one that combines the two. All plans start within 30 days of purchase.<\/p>\n<p>If you buy an extended warranty on your appliances or coverage through your energy provider, you don\u2019t need warranty coverage for them. The Systems Guard Plan protects ductwork, air conditioners, plumbing systems, heating systems, electrical systems, and water heaters.\u00a0<\/p>\n<p>Suppose the opposite is true, and your appliances need protection. In that case, the Appliance Guard Plan covers all major appliances up to and including garage door openers, ceiling fans, exhaust fans, and a garbage disposal. The Total Home Guard plan combines the appliance plan and systems plan into one plan.\u00a0 If you don\u2019t have warranties or service agreements on either appliances or systems, it\u2019s your most comprehensive coverage plan.<\/p>\n<p>Deals include two months free if you pay in advance for a one-year agreement. You get additional months free if you prepay up-front for several years of coverage. The customer service representative we spoke to offered to reduce the service fee to $85 per service call. According to every representative I\u2019ve talked to at Liberty, better offers are available when you call.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Appliance Guard<\/em><\/td>\n<td><em>$49.99<\/em><\/td>\n<td><em>$100<\/em><\/td>\n<td><em>One year paid in advance $499.99 (2 months free)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Systems Guard<\/em><\/td>\n<td><em>$54.99<\/em><\/td>\n<td><em>$100<\/em><\/td>\n<td><em>One year paid in advance $549.99 (2 months free)<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Total Home Guard<\/em><\/td>\n<td><em>$59.99<\/em><\/td>\n<td><em>$100<\/em><\/td>\n<td><em>One year paid in advance $599.99 (2 months free) online, $575 (2 months free) over the phone<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Allston. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" alt=\"\" class=\"lazyload\" data-lazy-src=\"https:\/\/lh7-us.googleusercontent.com\/7Jv_O8MYYoH_4ThELiQqKF16JAkGn4hzk5JvH_gTp5evnA8A4vbYMR0u-5XByqCoj_ZV3wXs-rGRnCtWRHXP4byc3CHPieOOw1cWj0f2VmBVe_6ivI2mJj8vlJjVMhxAh94K8WdHSzKDgdMbK-jjmi4\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/7Jv_O8MYYoH_4ThELiQqKF16JAkGn4hzk5JvH_gTp5evnA8A4vbYMR0u-5XByqCoj_ZV3wXs-rGRnCtWRHXP4byc3CHPieOOw1cWj0f2VmBVe_6ivI2mJj8vlJjVMhxAh94K8WdHSzKDgdMbK-jjmi4\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Liberty\u2019s customers can select from these 42 add-on coverages, the most offered by any home warranty provider.\u00a0<\/p>\n<ul>\n<li>Pool and spa: $19.99\/month<\/li>\n<li>Additional spa: $9.99\/month<\/li>\n<li>Lawn sprinkler system: $9.99\/month<\/li>\n<li>Saltwater pool: $23.99\/month<\/li>\n<li>Generator: $19.99\/month<\/li>\n<li>Casita guest unit: $35.99\/month<\/li>\n<li>Sump pump: $8.99\/month<\/li>\n<li>Well pump: $12.99\/month<\/li>\n<li>Septic system pumping: $12.99\/month<\/li>\n<li>Ejector pump: $14.99\/month<\/li>\n<li>Grinder pump: $14.99\/month<\/li>\n<li>Limited roof leak: $11.99\/month<\/li>\n<li>Rekey services: $9.99\/month<\/li>\n<li>Gutter cleaning: $14.99\/month<\/li>\n<li>Pest control: $14.99\/month<\/li>\n<li>Carpet cleaning: $19.99\/month<\/li>\n<li>Window washing\/cleaning: $19.99\/month<\/li>\n<li>Power washing (exterior flooring): $19.99\/month<\/li>\n<li>Central vacuum: $8.99\/month<\/li>\n<li>Stand-alone freezer: $5.99\/month<\/li>\n<li>Water softener: $13.99\/month<\/li>\n<li>Swamp cooler: $14.99\/month<\/li>\n<li>Second refrigerator: $7.99\/month<\/li>\n<li>Trash compactor: $7.49\/month<\/li>\n<li>Ice maker (in-fridge): $3.99\/month<\/li>\n<li>Freestanding ice maker: $14.99\/month<\/li>\n<li>Wine cooler\/fridge: $11,99\/month<\/li>\n<li>Water dispenser water line: $4.99\/month<\/li>\n<li>Instant hot water dispenser: $9.99\/month<\/li>\n<li>Reverse osmosis water filter system: $14.99\/month<\/li>\n<li>Lighting fixtures: $7.99\/month<\/li>\n<li>Plumbing fixtures: $7.99\/month<\/li>\n<li>Electronics protection: $19.99\/month<\/li>\n<li>TV mounting (up to 65-inch TVs): $14.99\/month<\/li>\n<li>TV mounting (up to 85-inch TVs): $19.99\/month<\/li>\n<li>Pro-Series Refrigerator: $14.99\/month<\/li>\n<li>Pro-Series Stand Alone Freezer: $14.99\/month<\/li>\n<li>Pro-Series Range\/Oven\/Cooktop: $12.99\/month<\/li>\n<li>Pro-Series Dishwasher: $7.99\/month<\/li>\n<li>Pro-Series Microwave: $4.99\/month<\/li>\n<li>Pro-Series Washing Machine: $4.99\/month<\/li>\n<li>Pro-Series Clothes Dryer: $4.99\/month<\/li>\n<\/ul>\n<p>If something you need covered isn\u2019t on this list, Liberty Home Guard asks for you to contact their representatives. According to the company\u2019s website, it will figure out if it can provide customers with specialized coverage for those items after you give the make and model of your system or appliance.<\/p>\n<p>If you\u2019re struggling with which add-ons to pick, the website shows the most popular options in your area once you begin the quote process. It\u2019s helpful to see what other homeowners thought they would need.<\/p>\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"data:image\/svg+xml,%3Csvg%20xmlns=\" http:=\"\" alt=\"\" class=\"lazyload\" data-lazy-src=\"https:\/\/lh7-us.googleusercontent.com\/7hiNFiLroB8JY--5feZXwyEe9LBrEv1LsdNiUnoWGaZ0CKkWhh4hC_2eNsywKkgUTgfnhqisVw4rXaww4YJ_-_U4SRzHtrbY3OAzJdGIWD5L-sKf4qPFIzMuc9tWS7E8cZALGXthMaafLuhMq-j4yDQ\"\/><noscript><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-src=\"https:\/\/lh7-us.googleusercontent.com\/7hiNFiLroB8JY--5feZXwyEe9LBrEv1LsdNiUnoWGaZ0CKkWhh4hC_2eNsywKkgUTgfnhqisVw4rXaww4YJ_-_U4SRzHtrbY3OAzJdGIWD5L-sKf4qPFIzMuc9tWS7E8cZALGXthMaafLuhMq-j4yDQ\" class=\"lazyload\" alt=\"\"\/><\/noscript><\/figure>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Among the exclusions that Liberty Home Guard has on its plans are:\u00a0<\/p>\n<ul>\n<li>Cosmetic defects<\/li>\n<li>Cranes or other specialty vehicles required to install, remove, or access your appliances or home systems<\/li>\n<li>Disposal of appliances, systems, or components<\/li>\n<li>Electronics, computerized, \u201csmart,\u201d or internet\/enabled components and parts<\/li>\n<li>Filters associated with any covered items<\/li>\n<li>Fire sprinkler systems<\/li>\n<li>Flues, vents, chimneys, and exhaust lines<\/li>\n<li>Glass parts<\/li>\n<li>Lighting\u00a0<\/li>\n<li>Noise<\/li>\n<li>Radon and other leak detection monitoring systems<\/li>\n<li>Remote receiving and transmitting devices<\/li>\n<li>Solar systems and applications<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, readers must review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<p>Most of these are standard exclusions, but you should also pay attention to the limits on coverage.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-8960402a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-5eaa64fe gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-24c42fed\">\n<p>While some add-ons cost slightly more than what competitors charge \u2014 for example, a stand-alone freezer is\u00a0 $7.99 more a month vs. $3.33 from Select Home Warranty \u2014 monthly premiums are within the industry price range. If you\u2019re searching for the best deal, talk to a company representative.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d30e334c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-b05aae64 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 7.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-f421c039\">\n<p>It took less than three minutes to apply for an online quote. However, the company did not list service fees in the quote process. To find out what you\u2019d pay if you need service, you have to call.\u00a0 Liberty Home Guard\u2019s customer service representative was friendly, and he answered my questions.<\/p>\n<p>He told me the service call fee is $100 per call but drops to $80 if you prepay a one-year year agreement. He provided data on response times in the ZIP code I asked about and about how often the company sends out technicians. His information impressed me.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-09a9c322 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-3e0cffbc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 9.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-45a42b72\">\n<p>Liberty Home Guard\u2019s customers on Trustpilot rated the company 4.7 out of 5 stars, the highest rating among its competitors. Reviewers regularly mentioned quality customer service and fast claims resolution.<\/p>\n<p>Home warranty companies often receive negative customer reviews because many people lack an understanding of exclusions and coverage limits. Most of Liberty\u2019s negative reviews are of this type.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>Not Rated*<\/em><\/td>\n<td><em>N\/A<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.7 \/ 5 stars<\/em><\/td>\n<td><em>2,298<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>4.7 \/ 5 stars<\/em><\/td>\n<td><em>9,693<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.4 \/ 5 stars<\/em><\/td>\n<td><em>Varies by location<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>*Under review due to recent complaints as of Feb 2024. Previously an \u201cA+\u201d rating.\u00a0<\/em><\/p>\n<p>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/p>\n<p><em>Note (as of 3\/8\/24): The Better Business Bureau recently shifted LHG\u2019s A+ rating to \u201cNR.\u201d We reached out to a representative, and the BBB told us, \u201cThis business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.\u201d When asked about whether it revokes ratings after an increase in complaints, the rep said, \u201cYes, if they feel they need to review the complaints first before issuing an accurate rating.\u201d This scenario has happened to LHG twice in the last two years, but each time, the BBB has restored its A+ rating after a thorough review.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-e3caf4f4 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-c0fd1c6d gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-1da4ef6c\">\n<p>After you buy a Liberty Home Guard policy, the company sends you a link to set up your customer portal and download its app. While you can file claims online or over the phone, you can also use the app to file claims and track your service technician\u2019s progress and projected arrival time at your house.<\/p>\n<p>Liberty Home Guard strives to respond to complaints within 24 hours. Unlike other companies that charge extra for after-hours calls, such as Elite Home Warranty, if you need a service technician at night, on a weekend, or on a holiday, Liberty Home Guard doesn\u2019t charge extra. A <a href=\"https:\/\/www.digitaljournal.com\/pr\/news\/liberty-home-guard-to-support-consumers-with-access-to-progressive-home-insurance-quotes\">recent partnership with Progressive Insurance<\/a> widened the company\u2019s network of technicians, increasing its ability to promise a quick turnaround.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-95fc2321 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-b496c87e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-36784289\">\n<p>Liberty Home Guard sells policies in 50 states, indicating that the company\u2019s policies comply with multiple state regulations, which is a good sign for its trustworthiness.\u00a0\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-0f870676 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/liberty-home-guard\/\">Read our full Liberty Home Guard review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-9e8ea5ad\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-0d67a5b1\">\n<div class=\"gb-grid-column gb-grid-column-b0e55190\">\n<div class=\"gb-container gb-container-b0e55190\">\n<p>Best Coverage Limits<\/p>\n<h3 class=\"gb-headline gb-headline-47104804 gb-headline-text\">American Home Shield<\/h3>\n<p class=\"gb-headline gb-headline-3980dabd gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-c334c0db gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-406a82bb border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>40% Off Our Most Popular Plan<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-680755e4 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-33285d81 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-d9d8211b gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-e145cb47 gb-tabs__items\">\n<div class=\"gb-container gb-container-40fcd9cb gb-tabs__item gb-tabs__item-open\">\n<p>Have you invested in a top-of-the-line smart refrigerator? The lower coverage limits of other home warranty providers, who typically only cover up to $2,000 to $3,000 of repairs and replacement, just won\u2019t cut it. American Home Shield has some of the best (highest) coverage limits in the business \u2014up to $5,000 for HVAC and up to $4,000 for appliances under the ShieldPlatinum plan.<\/p>\n<p>\u00a0These coverage limits rank better than those of its competitors. Policies also include up to a $50,000 limit for the whole year\u2019s coverage under every plan. If you buy its most expensive plan, you\u2019ll also get roof leak coverage of up to $1,000 per contract term and a free HVAC tune-up.\u00a0<\/p>\n<\/div>\n<div class=\"gb-container gb-container-5fca56db gb-tabs__item\">\n<p>Customers often complain in reviews about inexperienced, unqualified service technicians, closed claims without resolution, and extra charges for repairs. If you live in Massachusetts and have ever had an insurance adjuster estimate a homeowners insurance claim for a roof repair, you know that \u201cindustry averages\u201d rarely match the real costs. Some customer reviews say AHS paid out claims at \u201cindustry average,\u201d which could hurt Massachusetts residents.\u00a0<\/p>\n<p>The customer service representative we talked to struggled to answer questions that didn\u2019t come from a script. For example, when I asked about licensed technicians in my area, she kept misunderstanding and giving me the nationwide number of technicians. She rushed the call and pushed to get my information rather than answer my questions.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-f8d05ba3 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-75d1fd5c gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e675d8c3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0cd5db2a\">\n<p>AHS wouldn\u2019t be a good choice for someone with older appliances and systems in their home, but its higher coverage limits could save a homeowner who\u2019d bought luxury appliances and installed a new HVAC system.\u00a0 If the monthly premium for ShieldPlatinum doesn\u2019t fit your budget, pick a higher service fee to get a lower premium. There\u2019s a 30-day waiting period before coverage begins.<\/p>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<noscript><\/p>\n<div class=\"jlvid_container\"><iframe title=\"American Home Shield: Protecting Homeowners&#039; Budgets\" width=\"1170\" height=\"658\" src=\"https:\/\/www.youtube.com\/embed\/5lCm1SqzwDc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen><\/iframe><\/div>\n<p><\/noscript>\n<\/div>\n<\/figure>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5dbad8e0 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-4178a732 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-78c6f3e9\">\n<p>You can pick from among service plans from AHS. The first one, ShieldSilver, covers only major systems, such as your heating and air conditioning systems, electrical systems and accessories, and plumbing systems and accessories. The next plan, ShieldGold, includes everything in the ShieldSilver plan and adds on kitchen and laundry appliances.\u00a0<\/p>\n<p>With ShieldPlatinum, you get everything included in the other two plans plus roof coverage \u2014 a rarity in the home warranty industry \u2014 $250 of protection for code violations, permits, modifications, an HVAC tune-up, and more. The HVAC limit is $5,000 per system under all plans. The cap for appliances is $2,000 per item under the ShieldGold plan and increases to $4,000 per appliance with the Shield Platinum policy. Some people may feel that they need roof-leak coverage.<\/p>\n<p>The AHS website offers a 40% discount off ShieldGold. Picking a higher deductible lowers your monthly premium. For example, with the ShieldPlatinum plan and a $125 deductible, the monthly fee is only $129.99. If you pick a $100 deductible, the premium jumps to $139.99.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldSilver<\/em><\/td>\n<td><em>$89.99 \u2013 $79.99<\/em><\/td>\n<td><em>$100 \u2013 $125<\/em><\/td>\n<td><em>None<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>ShieldGold<\/em><\/td>\n<td><em>$109.99 \u2013 $99.99<\/em><\/td>\n<td><em>$100 \u2013 $125<\/em><\/td>\n<td><em>40% off on the website, lowering it to $60<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Shield Platinum<\/em><\/td>\n<td><em>$139.99 \u2013 $129.99<\/em><\/td>\n<td><em>$100 \u2013 $125<\/em><\/td>\n<td><em>None<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Allston. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Higher coverage limits work well for appliances and HVAC systems, but if your home has other luxury features, American Home Shield\u2019s smaller lists of available add-ons could move it lower on your list. Its optional coverages (with costs) are:\u00a0<\/p>\n<ul>\n<li>Electronics protection plan: $14\/month\u00a0<\/li>\n<li>Guest unit: $26.99\/month<\/li>\n<li>Pool &amp; built-in-spa equipment: $24\/month<\/li>\n<li>Roof leak repair: $10\/month<\/li>\n<li>Septic pump: $5\/month<\/li>\n<li>Well pump: $8\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>American Home Shield\u2019s exclusions list is broad and generic:<\/p>\n<ul>\n<li>Appliances not covered under the ShieldSilver plan<\/li>\n<li>Construction or carpentry costs<\/li>\n<li>Flues, chimneys, venting, and exhaust lines<\/li>\n<li>Repairs because of mold<\/li>\n<li>Repairs from natural disasters<\/li>\n<li>Repairs or replacements because of cosmetic defects<\/li>\n<li>Restoration of walls<\/li>\n<\/ul>\n<p>Given this list of exclusions, I prefer the specifics of Liberty Home Guard or Select Home Warranty.<\/p>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, readers must review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ef3112ab gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-22ea78df gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9ba47ba0\">\n<p>American Home Shield structures its pleasing coverage limits by contract terms. If your HVAC needs a $5,000 repair in the first year of a three-year plan, you won\u2019t have coverage for future repairs over the final two years of the plan. While buying a multi-year plan could save you money, consider whether you have a system or appliance that might need to be fixed more than once within that longer contract term.\u00a0<\/p>\n<p>AHS\u2019s monthly fees fall within the industry range, though higher service fees take away from its affordability. If you can swing the higher monthly premium, pick a lower service fee. There are no extra fees for emergency calls.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-78737044 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-30a06fce gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-a1fe1104\">\n<p>It was easy to obtain an online quote, but the online quote did not make the service fee clear. I called and spoke with a representative at American Home Shield who struggled to answer questions that veered from a script. She didn\u2019t offer the discount off ShieldGold until I asked, so it\u2019s worthwhile to get an online quote before calling.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-4a99afdc gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-27f42385 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 7.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-bfc6df63\">\n<p>While American Home Shield\u2019s\u00a0 Better Business Bureau score of B is decent, customers do have some complaints. They specifically mention poor customer service, the lack of qualified service technicians in their area,\u00a0 and difficulty with cancellations.\u00a0<\/p>\n<p>Positive or negative reviews depend heavily on the local service technicians. However, some reviews do state that American Home Shield paid the majority of large repairs and replaced several major appliances, so the company doesn\u2019t always deny claims or leave customers dissatisfied.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><strong><em>B<\/em><\/strong><\/td>\n<td><em>11,181 reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>2.2\u00a0 \/ 5 stars<\/em><\/td>\n<td><em>5,197<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>2.8<\/em><\/td>\n<td><em>2,379<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.1 \/ 5 stars<\/em><\/td>\n<td><em>1,256 reviews<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-fbf42599 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-17c6f98e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-294863a2\">\n<p>After you file a claim online or by calling, you can expect a turnaround time of 24 to 48 hours before it sets up a service appointment. Emergency response time is within 24 hours. One nice thing: if there\u2019s an issue after a repair and within the next 30 days, the company sends out another service technician for free.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-59c50086 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-89505ba3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ec80bafa\">\n<p>There are 17,500 contractors and 45,000 service technicians in AHS\u2019s nationwide network. There are multiple channels through which to open a claim, and it has a decent response time.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-3a706d11 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/american-home-shield\/\">Read our full American Home Shield review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ba9ccfa\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-2403195b\">\n<div class=\"gb-grid-column gb-grid-column-82127dd9\">\n<div class=\"gb-container gb-container-82127dd9\">\n<p>Best Value<\/p>\n<h3 class=\"gb-headline gb-headline-00b25a51 gb-headline-text\">Select Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-c7f050fb gb-headline-text\">4.2<\/p>\n<p class=\"gb-headline gb-headline-a0788e0d gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-dc315818 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$150 Off (Code HOUSE25)<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7d518d3a gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-1a588591 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-868a02fe gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-5e6f7a85 gb-tabs__items\">\n<div class=\"gb-container gb-container-f0e3a69e gb-tabs__item gb-tabs__item-open\">\n<p>With Massachusetts having a cost of living <a href=\"https:\/\/www.bestplaces.net\/cost_of_living\/state\/massachusetts\">27.5% higher than the U.S. average<\/a>, living there is expensive. If a smaller budget drives your decision, look at Select Home Warranty. It has reasonably priced plans and low service fees.<\/p>\n<p>Plans start as low as $45 a month for a basic plan. While that isn\u2019t the cheapest on the list, consider the price of service calls. While competitors\u2019 service fees start at $100 and go up, all of Select Home Warranty\u2019s plans charge a $85 service fee.\u00a0<\/p>\n<p>After you file a claim, service technicians get to you within 24 to 48 hours. Workmanship is guaranteed for up to 90 days. Select Home Warranty offers emergency services in Allston within three to four hours at no extra charge. That\u2019s perfect if your AC goes out on a hot summer day.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-3031a35c gb-tabs__item\">\n<p>The trade-off for cheaper service fees might be poorer customer service. Reviewers online claim that the company doesn\u2019t honor its 24- to 48-hour promise of prompt service calls and also denies claims multiple times. Also, it has no pricing information online. You must call.\u00a0<\/p>\n<p>Select Home Warranty only sells a small list of add-ons,\u00a0 which might not cover everything you need. Plus, deals and discounts can be hard to understand as they depend on whether you pay monthly or annually.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-bccb9526 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-2a463211 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-982125dc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-fc5bc53a\">\n<p>For reasonable premiums, cheap service fees, and a 24- to 48-hour response time, Select Home Warranty is a solid choice for a home warranty. It\u2019s nice that it doesn\u2019t charge for same-day emergency service, especially if your heat fails in January during a Nor\u2019easter.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-aa543c6a gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-d750dfe5 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-4db15aea\">\n<p>When you\u2019re shopping for one of Select\u2019s three plans, think about what your home needs. If you bought warranties with your appliances, look at the Gold Care plan, which only protects systems. The Gold Care Plan covers heating, air conditioning, plumbing, and electric systems. If you\u2019re lucky enough to live in a Massachusetts home with ductwork instead of radiators, it\u2019s also protected.<\/p>\n<p>Need appliances covered? Buy the Bronze Care plan. It includes your refrigerator, washer, dryer, stove, oven, garbage disposal, dishwasher, built-in microwave, and cooktop.\u00a0<\/p>\n<p>If you need both, go with Platinum Care, which includes both systems and appliances and adds on a garage door opener, ceiling fan, and plumbing stoppages. If you prepay a year, you\u2019ll get two months free (added on to the total contract term, making it 14 months) and $150 off. The service fee is normally $100, though the customer service representative said he\u2019d lower it to $75 if I signed up that day.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Bronze Care<\/em><\/td>\n<td>$44.92\/month, normally $60.42<\/td>\n<td>$100<\/td>\n<td>25% discount on the phone, and two months free if you pay the annual fee up-front.<\/td>\n<\/tr>\n<tr>\n<td><em>Gold Care<\/em><\/td>\n<td>$44.92\/month on sale, normally $60.42<\/td>\n<td>$100<\/td>\n<td>25% discount on the phone, and two months free if you pay the annual fee up-front.<\/td>\n<\/tr>\n<tr>\n<td><em>Platinum Care<\/em><\/td>\n<td>$47.75\/month on sale, normally $63.75<\/td>\n<td>$100<\/td>\n<td>25% discount on the phone, and two months free if you pay the annual fee up-front.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Allston. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Select Home Warranty has fewer options for add-ons than Liberty Home Guard but more than American Home Shield. Their offerings fall in the middle among competitors, but sump pump coverage is the cheapest (if your sump pump fails like mine did last December, you\u2019ll want it).<\/p>\n<ul>\n<li>Central Vacuum: $3.33\/mo<\/li>\n<li>Lawn Sprinkler System: $5.83\/mo<\/li>\n<li>Pool: $8.33\/mo<\/li>\n<li>Roof Leak: $0\/mo<\/li>\n<li>Septic System: $5.83\/mo<\/li>\n<li>Spa: $5.83\/mo<\/li>\n<li>Stand Alone Freezer: $3.33\/mo<\/li>\n<li>Sump Pump: $3.33\/mo<\/li>\n<li>Well Pump: $3.33\/mo<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Select Home Warranty\u2019s contract excludes coverage for known preexisting issues or something you should have reasonably known had a problem. Other exclusions are:\u00a0<\/p>\n<ul>\n<li>Secondary damage (i.e., your home warranty may cover roof damage but won\u2019t cover water damage caused by the leak)<\/li>\n<li>Incorrect installation or malfunctions due to construction damage or improper wiring<\/li>\n<li>Issues with systems or appliances related to hazardous or toxic materials (i.e., mold, asbestos, gas leaks, etc.)\u00a0<\/li>\n<li>Common areas in condominiums or family homes<\/li>\n<li>Solar heating systems<\/li>\n<li>Damage caused by natural disasters and rust<\/li>\n<li>Defects or damages caused by the foundation and structure of the home<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, readers should review their contracts because the exclusions we mentioned are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ac05390d gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-6a1ef566 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 9.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-52bce54e\">\n<p>Plans cost the same, or slightly cheaper, than most competitors. Select stands out with its service call fees \u2014 only $75 vs. $100 to $125 that competitors charge.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-72dc9b65 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-7e753ee4 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.1\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3106d4b8\">\n<p>You can request a quote online in Massachusetts, but you can\u2019t buy a policy unless you talk to someone. Within a few screens of starting your quote, various plans appear in an easy chart format. The representative I spoke with was friendly and volunteered information about reviews and online rankings.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-add4cbc8 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-add30fc3 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.0\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ce02ec60\">\n<p>Select Home Warranty\u2019s customers report mixed experiences. The company has a B rating from the BBB and a high score on Trustpilot (3.8\u00a0 out of 5 stars ).\u00a0<\/p>\n<p>Positive reviews address the sales experience while buying a policy, while negative reviews address service and coverage. After signing up for policies, customers claimed the company refused to pay for all the repairs, it took a long time to send out a service technician, or multiple claims were denied.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B<\/em><\/td>\n<td><em>2,002<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3.8 \/ 5 stars<\/em><\/td>\n<td><em>4,620<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>1.6<\/em><\/td>\n<td><em>27<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-221dc5ee gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-0f5ea509 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 7.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-aef9d827\">\n<p>Submit a claim with Select Home Warranty through its online customer portal or by calling the company. Select says it will contact a licensed technician for help within 48 hours of receiving a claim. The longer response time than most of its competition is disappointing, and there\u2019s no guarantee when it will schedule a repair.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-6ecea68e gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-1f272123 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-a132b31c\">\n<p>Homeowners nationwide can buy plans through Select Home Warranty, file claims online, or call for service. Select\u2019s large network builds consumer trust that it can fulfill service requests.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-a8855787 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/select-home-warranty\/\">Read our full Select Home Warranty review<\/a><\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ac2d001\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-12769c97\">\n<div class=\"gb-grid-column gb-grid-column-684ffa0e\">\n<div class=\"gb-container gb-container-684ffa0e\">\n<p>Best Customer Ratings<\/p>\n<h3 class=\"gb-headline gb-headline-fdb201a8 gb-headline-text\">Elite Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-d9279fb5 gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-1a2b7e41 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-80127500 border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$150 Off + 1 Month Free<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-553a17e0 gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-2db3478f gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-3084f7c8 gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-7c56575d gb-tabs__items\">\n<div class=\"gb-container gb-container-0713fd08 gb-tabs__item gb-tabs__item-open\">\n<p>Elite Home Warranty has built a strong reputation in four years. It doesn\u2019t blow up your phone after you apply for a quote. It\u2019s accessible through multiple service channels if you need to file a claim. And it delivers superior customer service. Elite has noted the problems in the industry and is trying to do better.<\/p>\n<p>Repairs come with a 90-day guarantee on parts, labor, and installation workmanship. Some competitors cover parts and labor, but few cover installation. Also, higher coverage limits protect homeowners who buy high-end, luxury appliances. These appliances are expensive to replace and repair.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-f1aca5f0 gb-tabs__item\">\n<p>Elite doesn\u2019t make pricing available online, but our secret shopping revealed that some add-ons are more expensive than what competitors offer. A $8.33 sump pump option was more than Select Home Warranty\u2019s cost of $3.33. However, it was less than Liberty Home Guard\u2019s $8.99 price.<\/p>\n<p>Also, Elite\u2019s pool and spa equipment runs an extra $16 a month instead of the $14.16 that Select Home Warranty Charges. Added charges for luxury appliances undermine Elite\u2019s higher coverage caps because the reason you pay extra is to get that increased coverage.<\/p>\n<p>Weekend emergencies also cost extra. Instead of a $70 service call, you\u2019ll pay $150 on a weekend (or a holiday).\u00a0 Also, if your water heater (for example) breaks and you need an after-hours repair, the service fee is $150.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-b1635862 gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-f1a175fc gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-12c25c6f gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-0e8842fb\">\n<p>Elite Home Warranty has carved out an industry niche through customer service, high coverage limits, and a parts, labor, and installation warranty. If you have high-end appliances and want guarantees that repaired items will stay repaired, pick Elite.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-7d9386f8 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-dfb3b61e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-74518814\">\n<p>When shopping Elite\u2019s warranty plans, you can pick a systems-only plan, an appliance-only plan or choose the most comprehensive plan (Elite Complete) with sweeping coverage.<\/p>\n<p>Like its competitor, American Home Shield, Elite has higher financial coverage than industry standards, which usually max out around $3,000. It protects appliances up to $6,000 and systems up to $10,000. These higher caps provide the most financial protection I\u2019ve seen among home warranty companies. For example, American Home Shield offers only up to $5,000 in HVAC protection.\u00a0<\/p>\n<p>However, if you look at the service agreement for Massachusetts, you\u2019ll find a lot of restrictions. Under each plan, replacement coverage doesn\u2019t kick in until 90 days. Before then, the company only commits to $300 to cover repairs and parts. Also, it caps protection for water heaters and other maintenance at $500 if a service technician deems the repair necessary because of neglect or lack of maintenance.<\/p>\n<p>While we shopped secretly, a customer service representative offered $150 as an incentive to get started.\u00a0\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Appliance<\/em><\/td>\n<td><em>$34.99<\/em><\/td>\n<td><em>$70<\/em><\/td>\n<td><em>$150 sign-up, 30-day free trial<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Systems<\/em><\/td>\n<td><em>$49.99<\/em><\/td>\n<td><em>$70<\/em><\/td>\n<td><em>$150 sign-up, 30-day free trial<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Elite Complete<\/em><\/td>\n<td><em>$59.99<\/em><\/td>\n<td><em>$70<\/em><\/td>\n<td><em>$150 sign-up, 30-day free trial<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Allston. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>With Elite Home Warranty, homeowners have almost as many optional add-ons as with Liberty Home Guard, so they can customize plans to meet specific needs. Choose from the following list:<\/p>\n<ul>\n<li>Annual maintenance<\/li>\n<li>Central vacuum<\/li>\n<li>Drainage, sewer, and water service lines<\/li>\n<li>Effluent pump<\/li>\n<li>Ejector pump<\/li>\n<li>Freestanding freezer<\/li>\n<li>Freestanding ice makers<\/li>\n<li>Freestanding spa equipment<\/li>\n<li>Generator<\/li>\n<li>Geothermal heating and cooling systems<\/li>\n<li>Grinder pump<\/li>\n<li>Guest house<\/li>\n<li>Jetted and hot tubs<\/li>\n<li>Lawn sprinkler system<\/li>\n<li>Lift pump<\/li>\n<li>Limited roof-leak repair<\/li>\n<li>Pool and spa equipment<\/li>\n<li>Pool equipment<\/li>\n<li>Premium appliances<\/li>\n<li>Premium benefits<\/li>\n<li>Premium systems<\/li>\n<li>Premium systems plus<\/li>\n<li>Septic system<\/li>\n<li>Sump pump<\/li>\n<li>Water softeners<\/li>\n<li>Well pump<\/li>\n<li>Wine coolers<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>Elite\u2019s service contracts have broad exclusions.\u00a0<\/p>\n<p>Acts of God is a term from homeowners insurance policies, and it can mean everything from severe weather \u2014 like flooding down on the Cape \u2014 to the combination of extreme weather and neglected maintenance \u2014 a flat roof that collapses under heavy snow. This phrase and the \u201clack of maintenance\u201d exclusion raise concerns for home warranty buyers. My advice: If you sign up with Elite, keep good maintenance records.<\/p>\n<p>Its list of exclusions includes:<\/p>\n<ul>\n<li>Acts of God<\/li>\n<li>A lack of maintenance<\/li>\n<li>Commercial-grade appliances\u00a0<\/li>\n<li>Cosmetic damage<\/li>\n<li>Natural disaster-related damages<\/li>\n<li>Units in a rental property<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, readers should review their contracts thoroughly. The exclusions we mentioned may not be the full list, and additional exclusions may apply.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-dba9b377 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-fbb0cf26 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ea2257a6\">\n<p>Elite\u2019s pricing is within competitors\u2019 ranges or is cheaper. For example, the Complete plan costs less than American Home Shield\u2019s Platinum Plan. But while Elite\u2019s monthly pricing is competitive, shoppers can incur added fees beyond standard service charges.<\/p>\n<p>On weekends, Elite hikes its fee to $150. It also charges $150 extra for servicing professional-grade appliances. In contrast, Liberty Home Guard does not raise fees for night and weekend service calls.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d2c24bd4 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-2836b661 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 7.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-521ad2bb\">\n<p>Elite\u2019s website has comprehensive information available. Its BBB reviews appear on the main page, and under \u201csample policy,\u201d you can select Massachusetts and read the service agreement. I highly recommend reading the service agreement in detail. As noted under \u201cPlans and Coverage,\u201d there is much hidden in the fine print.<\/p>\n<p>A customer representative wanted to sell me the most expensive plan f but gladly answered questions about other plans. Talking with him was pleasant, and he answered my questions. Elite guarantees a 24- to 48-hour arrival window for any service technicians.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-659497ec gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-e451ec09 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 8.3\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-725842e6\">\n<p>Elite Home Warranty doesn\u2019t have many reviews, which is hardly surprising for a newer company. Most customers, however, had complimentary things to say.\u00a0 Customers overwhelmingly praised the customer service when signing up, mentioning that the company sent local technicians, solved problems quickly, and covered the repairs.\u00a0 Several customers had previous experiences with other home warranty companies and thought that Elite did a better job.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>A+<\/em><\/td>\n<td><em>Customer reviews don\u2019t factor into BBB ratings<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>4.7\/5 stars<\/em><\/td>\n<td><em>54<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>4.7\/5 stars<\/em><\/td>\n<td><em>106<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>5\/5 stars<\/em><\/td>\n<td><em>4<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5a4a43ba gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-9e3472b4 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 6.8\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-3f1dc91a\">\n<p>Elite claims process receives a lower rating. At the same time, you can file a claim online or over the phone 24 hours a day and on weekends and holidays. If your dishwasher hose springs a leak and you come home from work to a flooded kitchen, you\u2019ll be waiting for help to arrive. The response time during business hours is 24 to 48 hours after receiving a claim.\u00a0<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-d9945faa gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-bf4a9cb0 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-baa70636\">\n<p>Elite Home Warranty responds to claims 24\/7\/365,\u00a0 although after-hours emergency services cost $150 instead of the usual $70 service fee. You can file claims over the phone or online.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-92617821\">\n<div class=\"gb-grid-wrapper gb-grid-wrapper-8e3c4080\">\n<div class=\"gb-grid-column gb-grid-column-c51f9f73\">\n<div class=\"gb-container gb-container-c51f9f73\">\n<p>Best for Additional Benefits<\/p>\n<h3 class=\"gb-headline gb-headline-91c6ed53 gb-headline-text\">AFC Home Warranty<\/h3>\n<p class=\"gb-headline gb-headline-2a9cb81a gb-headline-text\">4.3<\/p>\n<p class=\"gb-headline gb-headline-29f86551 gb-headline-text\">Our Rating<\/p>\n<div class=\"gb-container gb-container-40b76a1c border-dash\">\n<p><strong>Limited Time:<\/strong> <\/p>\n<p>$200 off + free roof leak coverage<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-5d5c06cf gb-tabs\" data-opened-tab=\"1\">\n<p><button class=\"gb-button gb-button-14076367 gb-button-text gb-tabs__button gb-block-is-current\">What I Like<\/button><\/p>\n<p><button class=\"gb-button gb-button-d084394d gb-button-text gb-tabs__button\">What I Don\u2019t Like<\/button><\/p>\n<div class=\"gb-container gb-container-d182e32e gb-tabs__items\">\n<div class=\"gb-container gb-container-61f86a5c gb-tabs__item gb-tabs__item-open\">\n<p>AFC Home Club has a well-designed website that makes it easy to find information. Under \u201cPlans &amp; Pricing,\u201d homeowners can find what AFC includes in each of its four plans and click on an item to get more details. For example, if the drain valve on your water heater breaks, it\u2019s not covered.\u00a0<\/p>\n<p>No other home warranty company operates with this level of transparency. Often, you\u2019ll find exclusions for appliance components hidden in the fine print. For example, Elite Home Warranty\u2019s agreement says it doesn\u2019t cover parts for sealed components of refrigerators.<\/p>\n<p>While emergency or same-day services aren\u2019t available, homeowners can call their favorite technicians to fix after-hours problems. However, they must contact AFC Home Club\u2019s claims department to verify that the service provider is licensed and insured. When the repairs are complete, AFC can pay the technician directly, or you can pay the tech and request a reimbursement from AFC.<\/p>\n<\/div>\n<div class=\"gb-container gb-container-045d9dbc gb-tabs__item\">\n<p>AFC sells only a few extra customization coverages. Also, the pricing for add-ons is the highest on our list of providers. While Choice Home Warranty charges $3.33 a month and Liberty Home Guard charges $8.99 a month for sump pump coverage, AFC\u2019s rate is $35 a month.\u00a0<\/p>\n<p>Customer reviews about AFC also give me pause, particularly about claims experiences. There appears to be a lot of confusion about coverage limits and replacement policies. Before signing up, familiarize yourself with the sample contracts <a href=\"https:\/\/afchomeclub.com\/whatscovered\">available online<\/a>.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-2f63ce4c gb-accordion\" data-accordion-multiple-open=\"\">\n<div class=\"gb-container gb-container-ced3090b gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a35f524b gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Bottom Line: 8.6\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-f35fe21f\">\n<p>AFC Home Club has a clear commitment to educating customers about its plans. It\u2019s possible to receive after-hours service and pick your technician. While its add-ons list is small, plans have variety.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-c3be52b9 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-693b1297 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Plans and Coverage: 9\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-ca374396\">\n<p>When you choose a plan, you also pick a premium. If you\u2019d rather pay a higher price to have a less expensive service call fee, choose the $75 service fee. If you prefer to spend less per month, you choose a higher service fee, $125. Adjusting these numbers is the same as being able to lower homeowners insurance premiums by selecting a higher deductible.<\/p>\n<p>The Silver Plan protects nine common household appliances: your washer, dryer, garage door opener, and everything in the kitchen, from the garbage disposal to the refrigerator.\u00a0<\/p>\n<p>The Gold Plan builds on the Silver Plan by adding coverage for the air conditioning and heating system, electrical systems, plumbing, water heater, and ductwork. The third coverage tier, the Platinum Plan, gives you the benefits of the Silver and Gold Plan plus exhaust, attic fans, ceiling fans, faucets, plumbing stoppages, an ice maker, and a built-in microwave.\u00a0<\/p>\n<p>AFC Home Club\u2019s top tier, the Diamond Plan, costs approximately $35 more a month. Its biggest difference from the Platinum Plan is that it also covers electronics and exterior water and sewer lines. Someone with a 10-year-old TV probably doesn\u2019t need extra electronics coverage. And if you live in one of Boston\u2019s many condos, water and sewer lines could be the responsibility of your homeowner\u2019s association.<\/p>\n<p>Discounts include $100 off and roof-leak coverage included.<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Plan<\/em><\/td>\n<td><em>Monthly Cost<\/em><\/td>\n<td><em>Service Fee<\/em><\/td>\n<td><em>Available Discounts<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Silver<\/em><\/td>\n<td>$47.08 or $51.83<\/td>\n<td>$75 \u2013$125<\/td>\n<td>The higher monthly price has the lower service fee, and vice versa<\/td>\n<\/tr>\n<tr>\n<td><em>Gold<\/em><\/td>\n<td>$64.92 or $69.67<\/td>\n<td>$75 \u2013 $125<\/td>\n<td>The higher monthly price has the lower service fee, and vice versa<\/td>\n<\/tr>\n<tr>\n<td><em>Platinum\u00a0<\/em><\/td>\n<td>$70.92 or $75.67<\/td>\n<td>$75 \u2013 $125<\/td>\n<td>The higher monthly price has the lower service fee, and vice versa<\/td>\n<\/tr>\n<tr>\n<td><em>Diamond<\/em><\/td>\n<td>$105.50 or $110.25<\/td>\n<td>$75 \u2013 $125<\/td>\n<td>The higher monthly price has the lower service fee, and vice versa<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Allston. The cost data presented was accurate at the time of writing.<\/em><\/p>\n<h5 class=\"wp-block-heading\">Available Add-Ons<\/h5>\n<p>Most of AFC\u2019s add-on coverages sell at higher prices than competitors. Monthly coverage for a sump pump is the most expensive on this list \u2014 something to keep in mind if you live on the Cape and your sump pump got a workout last spring. This list of optional coverages includes:<\/p>\n<ul>\n<li>Built-in microwave: $50\/month<\/li>\n<li>Central vacuum: $25\/month<\/li>\n<li>Double oven: $25\/month<\/li>\n<li>Electronics coverage (price depends on your specific electronics)\u00a0<\/li>\n<li>Hot water dispenser: $25\/month<\/li>\n<li>Ice maker: $25\/month<\/li>\n<li>In-ground pool and spa: $150\/month<\/li>\n<li>Roof leak (free, worth $25\/month)\u00a0<\/li>\n<li>Septic system: $50\/month<\/li>\n<li>Stand-alone freezer: $25\/month<\/li>\n<li>Sump pump: $35\/month<\/li>\n<li>Well pump: $50\/month<\/li>\n<\/ul>\n<h5 class=\"wp-block-heading\">Exclusions<\/h5>\n<p>None of AFC Home Club\u2019s plans cover these situations:<\/p>\n<ul>\n<li>Appliances and systems not properly maintained<\/li>\n<li>Code violations<\/li>\n<li>Crane rentals that you need to move appliances or systems<\/li>\n<li>Geothermal heating systems<\/li>\n<li>Haul-away services<\/li>\n<li>Light fixtures<\/li>\n<\/ul>\n<p><em>Editor\u2019s Note: While this article highlights certain exclusions, we encourage readers to review their contracts because the exclusions we listed are not exhaustive, and additional exclusions may apply.<\/em><\/p>\n<p>Could code violations be a problem if you live in a 150-year-old house? Possibly. Code issues are likely not a problem if you live in a home that is younger than 20 years old. However, if you need a home upgrade because of a code violation, you must provide maintenance records before AFC Home Club will pay for it.\u00a0<\/p>\n<p>Also, the company requests an annual maintenance log from licensed technicians before it approves service requests for HVAC systems. If a technician recommended a repair on a prior visit that you don\u2019t have done, you will forfeit the coverage.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-ed279f00 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-582c8d9e gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Affordability: 8.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-9e5a3919\">\n<p>One of the most expensive policies on the market, the Diamond Plan includes coverage for exterior water and sewer lines that no other plan or company has. If you invested in high-end electronics and didn\u2019t buy manufacturer warranties, it\u2019s also a good deal. Pricing for its other plans is comparable to competitors, and it offers discounts.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-76f0f4c5 gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-a2b30c92 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Customer Experience: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-4d40fa43\">\n<p>AFC\u2019s website is the best of all its competitors. You can find sample contracts, the coverage under each plan, and pricing, all explained with comprehensive FAQs. Customer service over the phone is polite, doesn\u2019t have a \u201csales call\u201d feel, and answers all my questions patiently.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-f0dbcdcd gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-d9be7150 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Company Reputation: 7.7\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-79573a57\">\n<p>AFC Home Club has a B rating from the BBB, 3.0 out of 5 stars on Trustpilot, and 3.7\u00a0 out of 5 stars on Google. While not as strong as Elite Home Warranty\u2019s ratings, they\u2019re still respectable.<\/p>\n<p>The majority of negative reviews said the company denied claims that the homeowner thought were valid, that the service technician couldn\u2019t complete the job, or that the contract\u2019s fine print hid important relevant information.<\/p>\n<p>Rather than resetting annually, AFC Home Club sets limits of up to $3,000 per item per membership term. If you bought a three-year policy and needed $3,000 in repairs to a broken HVAC system in Year 1,\u00a0 you won\u2019t be eligible for HVAC repairs in Year 3.\u00a0<\/p>\n<figure class=\"wp-block-table\">\n<table>\n<tbody>\n<tr>\n<td><em>Rating Site<\/em><\/td>\n<td><em>Rating<\/em><\/td>\n<td><em>Number of Reviews<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>BBB<\/em><\/td>\n<td><em>B<\/em><\/td>\n<td><em>197<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Trustpilot<\/em><\/td>\n<td><em>3.0 out of 5 stars<\/em><\/td>\n<td><em>24<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Google<\/em><\/td>\n<td><em>3.7<\/em><\/td>\n<td><em>1,594<\/em><\/td>\n<\/tr>\n<tr>\n<td><em>Yelp<\/em><\/td>\n<td><em>1.9<\/em><\/td>\n<td><em>334<\/em><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p><em>Editor\u2019s Note: The ratings provided were accurate at the time of writing.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-1fc43e3b gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-7f2d6993 gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Claims Process: 8.4\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-6cee7ad0\">\n<p>Online reviewers had positive experiences with approved claims. AFC Home Club regularly updates claimants on the technician\u2019s progress and claim status. The company takes service requests online or from phone calls.<\/p>\n<p>Per the service agreement, a technician will contact you and make an appointment within\u00a0 24 to 48 hours. Payment flows directly from AFC Home Club to the service provider unless you pick a technician to perform an emergency or after-hours repair.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-container gb-container-3ccf690b gb-accordion__item\" data-transition=\"slide\">\n<p><button class=\"gb-button gb-button-5df6e1dc gb-accordion__toggle\"><span class=\"gb-button-text\"><strong><\/p>\n<h3>Availability: 10\/10<\/h3>\n<p><\/strong><\/span><span class=\"gb-icon\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\" fill=\"currentColor\"\/><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 448 512\" width=\"1em\" height=\"1em\" ariahidden=\"true\" role=\"img\" class=\"gb-accordion__icon-open\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\" fill=\"currentColor\"\/><\/svg><\/span><\/button><\/p>\n<div class=\"gb-accordion__content\">\n<div class=\"gb-container gb-container-6ffc53fc\">\n<p>AFC Home Club operates in 48 states and doesn\u2019t serve customers in California or Hawaii. Company representatives can answer questions or help with claims online or on the phone.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"gb-headline gb-headline-aa90f819 gb-headline-text provider-box\"><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/afc-home-club\/\">Read our AFC Home Warranty review<\/a><\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Calculate the Cost of a Massachusetts Home Warranty<\/h2>\n<p>Many home warranty providers have flat-rate pricing for homes with less than 2,000 square feet. If you\u2019re curious about what the cost of a home warranty could be for your home, answer a few questions. Today\u2019s Homeowner Warranty Cost Calculator to receive an estimate.<\/p>\n<div class=\"hw-calc\">\n<div class=\"hw-calculator-tho\">\n<div class=\"container\">\n<table>\n<tr>\n<th>Appliance<\/th>\n<th>Average Repair Cost<\/th>\n<th>Average Replacement Cost<\/th>\n<\/tr>\n<tr>\n<td>Dehumidifier<\/td>\n<td>$50\u2013$200<\/td>\n<td>$1,300\u2013$2,800<\/td>\n<\/tr>\n<tr>\n<td>Microwave<\/td>\n<td>$50\u2013$400<\/td>\n<td>$60\u2013$2,000<\/td>\n<\/tr>\n<tr>\n<td>Dishwasher<\/td>\n<td>$50\u2013$500<\/td>\n<td>$400\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Exhaust Fans<\/td>\n<td>$16\u2013$300<\/td>\n<td>$250\u2013$950<\/td>\n<\/tr>\n<tr>\n<td>Electric Range<\/td>\n<td>$100\u2013$500<\/td>\n<td>$230\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Gas Range<\/td>\n<td>$100\u2013$500<\/td>\n<td>$230\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Dryer<\/td>\n<td>$100\u2013$400<\/td>\n<td>$450\u2013$2,300<\/td>\n<\/tr>\n<tr>\n<td>Oven<\/td>\n<td>$100\u2013$430<\/td>\n<td>$400\u2013$3,000<\/td>\n<\/tr>\n<tr>\n<td>Washer<\/td>\n<td>$50\u2013$450<\/td>\n<td>$400\u2013$2,300<\/td>\n<\/tr>\n<tr>\n<td>Freezer<\/td>\n<td>$90\u2013$500<\/td>\n<td>$160\u2013$2,900<\/td>\n<\/tr>\n<tr>\n<td>Refrigerator<\/td>\n<td>$40\u2013$350<\/td>\n<td>$200\u2013$5,000<\/td>\n<\/tr>\n<\/table><\/div>\n<\/div>\n<\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Massachusetts Home Warranty Regulations<\/h2>\n<p>Home warranty companies that want to sell policies in Massachusetts must have a certificate of authority issued by the state\u2019s Division of Insurance. In addition, these companies are <a href=\"https:\/\/todayshomeowner.com\/home-finances\/guides\/home-warranty-regulation\/\">regulated at both the federal and state level<\/a>. If you have a problem with a home warranty company, you can file a complaint with the <a href=\"https:\/\/www.mass.gov\/how-to\/filing-an-insurance-complaint\">Massachusetts Division of Insurance<\/a>.<\/p>\n<p>There are no specific regulations about claims, and Massachusetts law makes clear that a home warranty company is not the same as homeowners insurance. However, home warranty companies must avoid unfair methods of competition and unfair or deceptive acts or practices in the business of insurance per Chapter 176D of the Massachusetts General Laws.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h2 class=\"wp-block-heading\">Massachusetts Home Warranty News<\/h2>\n<p>Watch out for home warranty scams sent through the mail. News organizations in Massachusetts have been warning consumers about <a href=\"https:\/\/www.wwlp.com\/news\/massachusetts\/beware-of-deceptive-home-warranty-letters-mailed-to-massachusetts-residents\/\">deceptive mailings sent to their homes<\/a>. These mailings are made to look like they come from your mortgage company\u2019s \u201chome warranty department\u201d and warn homeowners about expiring home warranties. But the fine print reads, \u201cWe are not affiliated with your current mortgage,\u201d and these are fraudulent attempts to get you to sign up.\u00a0\u00a0\u00a0<\/p>\n<p>It\u2019s not your imagination. The weather in Massachusetts has been getting worse over the years. Between 1958 and 2010, winter storms have increased in frequency and intensity, and <a href=\"https:\/\/www.mass.gov\/info-details\/extreme-weather-events#:~:text=Between%201990%20and%202019%2C%20FEMA,71%25%20from%201958%20to%202010.\">heavy downpours increased by 71%<\/a>. With weather-related damage to their homes, homeowners have seen increases in their homeowners insurance rates, which are <a href=\"https:\/\/money.com\/home-insurance-costs-rise-2023-forecast\/#:~:text=According%20to%20Insurify%2C%20a%20Massachusetts-based%20insurance%20marketplace%2C%20the,on%20top%20of%20a%207%25%20increase%20in%202022.\">up 16% since 2021.<\/a> The same events that led to these increases could cause wear and tear on your home that a home warranty would cover.<\/p>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<div id=\"hm-faq-block_714047e6e7e3cef8646ca16b8b516d84 1\" class=\"hm-faq hm-faq--two-column\">\n<h2 class=\"hm-faq__title \" data-toc-text=\"Frequently Asked Questions\">Frequently Asked Questions<\/h2>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        Do You Need a Home Warranty in Massachusetts?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">Homeowners insurance typically only covers the exterior and interior issues related to a covered event. If your sump pump gives out after <\/span><a href=\"https:\/\/www.wbur.org\/news\/2023\/09\/12\/summer-flooding-rain-massachusetts\"><span style=\"font-weight: 400;\">20 inches of rain last summer<\/span><\/a><span style=\"font-weight: 400;\">, homeowners insurance likely won\u2019t cover the repair. But a home warranty would!<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        How Much Does a Home Warranty Cost in Massachusetts?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">The average cost of a home warranty in Massachusetts is $77.88. Maximum coverage limits (how much the company will pay for covered items) add to what a <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/cost\/home-warranty-cost\/\"><span style=\"font-weight: 400;\">home warranty costs<\/span><\/a><span style=\"font-weight: 400;\">. With more add-ons, expect higher monthly premiums.<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        How to Save Money When Shopping for Home Warranties In Massachusetts?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">If you\u2019d prefer paying less for a home warranty, consider providers such as AFC Home Club or American Home Shield. These companies allow you to lower your monthly premium when you pick a higher service fee. Also, try calling home warranty companies, as often customer service reps offer better deals than just signing up online.<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n<div class=\"hm-faq__item\">\n<h3 class=\"faqQuestion accordion mb-0\">\n                        Is a Home Warranty Worth It for Massachusetts Homeowners?                    <\/h3>\n<div class=\"faqAnswer panel\">\n<p><span style=\"font-weight: 400;\">Flooding. Nor\u2019easters. Extreme cold. Power outages. Depending on where you live in Massachusetts, you may have dealt with one or all of these last year. And you may want to protect yourself from the costly repairs these weather events cause. If so, a <\/span><a href=\"https:\/\/todayshomeowner.com\/home-finances\/reviews\/are-home-warranties-worth-it\/\"><span style=\"font-weight: 400;\">home warranty is a smart investment<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<\/p><\/div>\n<\/p><\/div>\n<hr class=\"my-2\"\/>\n                    <\/div>\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n<h4 class=\"wp-block-heading\" id=\"h-other-resources-for-massachusetts-homeowners\">Other Resources for Massachusetts Homeowners<\/h4>\n<h4 class=\"wp-block-heading\" id=\"h-best-home-warranties-by-state\">Best Home Warranties by State<\/h4>\n<figure class=\"wp-block-th-3s-custom-blocks-table-container thcb-table thcb-table_58hZ7jNxtQub\"\/>\n\t\t<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>You already have homeowners insurance. So, why buy a home warranty policy? Were you in your basement with a shop vac cleaning up water after your sump pump failed? Also, 2023 tied 2012 as the hottest summer on record in Massachusetts. It would have been a bad time for your air conditioning compressor to fail. [&hellip;]<\/p>\n","protected":false},"author":334,"featured_media":10025,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[124],"tags":[],"class_list":["post-10024","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-improvement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Top 5 Best Home Warranty Companies in Massachusetts | Unlock Informed Choices with Us<\/title>\n<meta name=\"description\" content=\"If you\u2019re looking for the best home warranties in Massachusetts, we\u2019ve narrowed down your options by looking at affordability, service, and more.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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