We regularly review both federal and state financial incentives, rebates and tax credits. These incentives can be substantial and directly help our clients afford energy efficiency retrofits that solve comfort challenges, save money and provide better indoor air quality. If you need help navigating available incentives for energy efficiency upgrades do not hesitate to contact us.

A complete listing of state energy efficiency incentives can be found at: DSIRE (data base for state / federal renewables  and efficiency)

Cozy Home provides Mass Save services for all Western MA utilities

We are a Home Performance Contractor (HPC) partner with WMECO, Columbia Gas, and Berkshire Gas and can help secure financial incentives for these customers. For National Grid customers we are an Independent Insulation Contractor (IIC) and can be your project contractor. To begin your home energy retrofit project it starts with scheduling a Home Performance Assessment. This is followed by: reporting – incentive value – proposal – job contract and completion. Our specialty is comprehensive energy retrofits and home performance improvements that are designed to significantly improve the quality of living in your home: Health, Comfort and Savings. We believe that improved comfort, indoor air quality, and building durability are equally important to long term  energy savings.

Mass Save Energy Efficiency Incentives Include:
Mass Save is the rate-payer funded utility energy efficiency program. It applies to single family up to four unit multi-family dwellings. Cozy Home is a participating partner contractor and we can work with you to get the most value from your eligible Mass Save incentives.

  • Incentive towards comprehensive home energy assessment: $125 Columbia Gas, $175 WMECO
  • Up to 8 hours of free air sealing (approx. $760 value)
  • 75% up to $2,000 incentive for eligible insulation measures
  • 0% financing up to $25,000 for qualifying measures. Great for heat plant and hot water upgrades, and replacement of single pane windows. Also, up to $2,000 can be applied towards the removal of knob and tube wiring and asbestos pipe wrap.
  • Free compact florescent light bulbs, programmable thermostats, low flow shower heads, etc.

Find out more here.


The Holyoke Gas & Electric (HG&E)
The Holyoke Gas & Electric (HG&E) Residential Energy Efficiency Program provides residential customers with loans to help make energy saving improvements on eligible homes. The loan provides 0% interest assistance and is repayable over up to 5 years and charged to the customer’s monthly HG&E bill. Total loan amount is capped at $5,000.
Find out more here.


Federal Residential Energy Efficiency Tax Credits – No longer offered.
The American Taxpayer Relief Act of 2012 retroactively renewed this tax credit effective January 1, 2012, expiring again on December 31, 2013.  Any qualified equipment/insulation installed in 2012 or 2013 is eligible for this credit. As in previous years, the cumulative maximum amount of tax credit that can be claimed by a taxpayer in all years combined is $500. If a taxpayer has already claimed a tax credit of $500 for purchases made in any previous year, they are ineligible for additional tax credits for any new equipment purchases.   

Owners of existing homes may receive a tax credit worth 10% of the cost of upgrading the efficiency of the building’s envelope. Installation (labor) costs are not included and the credit is capped at $500 for all improvements.

Eligible Efficiency Technologies: Water Heaters, Furnaces , Boilers, Heat pumps, Central Air conditioners, Building Insulation, Windows, Roofs, Circulating fans used in a qualifying furnace. The 30% tax credit for the installation of solar energy systems, wind turbines and geothermal heat pumps is available through 2016.

A complete listing of state energy efficiency incentives can be found at: DSIRE (data base for state / federal renewables  and efficiency)


Gas Networks Rebate Info
Columbia Gas, Berkshire Gas and National Grid (MA only) are offering very generous rebates for high efficiency heating and hot water equipment. Rebates range depending upon appliance and fuel type from $100 – $1,500. Even HRVs and boiler reset controls can receive rebates. With these rebates, installing a high efficiency system that is properly sized to meet the heating and hot water needs of your household makes a lot of sense. 

But, you must remember that the most energy efficient improvements to make first are upgrades to the thermal boundary of your home. Improving insulation performance and the air barrier continuity will provide the most savings. Then the second most important efficiency measures are upgrades to heat plant appliances. In other words, its best to look at the building as a system starting with the envelope. Heating/cooling system upgrades integrated with energy retrofit of thermal boundary will provide maximum savings and comfort. Using the Heat Loan in conjunction with the heat appliance rebates is a great way to finance these investments. 

Download GasRebates-2011 Rebate Application

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Massachusetts Multi-family- 5 units and up

The level of incentive varies by utility and begins with the assessment process. We have experience with all Western MA utility companies. Contact us to find out how we can work with you to achieve optimal rebates and incentives.


Massachusetts Commercial/Industrial/ Institutional- small and large

Incentives and rebates vary by utility. Contact us and tell us about your project.


Low Interest Financing

Several local lending institutions have created special low interest loans for energy efficiency projects.

UMASS 5 – College Credit Union Energy Loan

Greenfield Coop Bank

Many local banks also participate in the Heat Loan offered through Mass Save. The loan has 0% financing for seven years and is capped at $25,000 for qualifying measures. Great for heat plant and hot water upgrades, replacement of single pane windows and insulation upgrades. Also, up to $2,000 can be applied towards the removal of knob and tube wiring and asbestos pipe wrap.

Testimonials from Cozy Home Customers

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Cozy Home Performance is hands down the best energy diagnostic and insulation company in the Valley. Mark and his crew enter and exit your work stream seamlessly, on time and on budget. The key is the knowledge, experience and personal responsibility each employee brings to his work. Mark not only has design experience, he also has the creative spark that leads to innovative solutions to unique problems. With all forms of insulation under one roof, careful diagnostics and appropriate choice of material, one always get the most out of every insulation dollar from Cozy Home Performance!!
John Ferriter, in construction in the Valley for 45 years
I’m happy that the incentive was more than anticipated (As a Home Performance Contractor with Mass Save Cozy Home secured $2,760 in project incentive funds.). I enjoyed working with you and your crew. Everyone was pleasant to deal with. They were professional and courteous and when I had questions, the answers were in a non-technical response so I could understand. Each day they left the area clean.
D.N., Easthampton, MA
Someone from the utility company was here today to inspect the work resulting from their incentive. They were very positive both about the quality of the recommendation, and the quality of the work. I am pleased too. I’m almost looking forward to next winter to see the difference.
Phil, Northampton, MA
The house definitely feels different – hard to explain the feeling, maybe more solid? Anyway, we have checked out all the work areas that we could and are really impressed. We can already feel the difference in some rooms – even with the warmer weather! Thanks to all the guys who were at the house. They were all very polite and pleasant and seem to have done an awesome job!
K.C., Goshen, MA