<p>Surface Acoustic Wave (SAW) sensors are gaining importance in contemporary technology due to their distinctive characteristics, adaptability, and extensive application spectrum. The present study focuses on enhancing SAW sensor performance by improving their mass loading sensitivity and addressing interfacial imperfections, aiming to elevate their efficiency and precision. The study investigates the dynamic behavior of Love-type waves in piezoelectro-magnetic fiber-reinforced composite (PEMC) structures, analyzing two models: one with an air medium (Model-A) and another with a coated thin film mass loading (Model-B). Five sub-models of interfacial imperfections are explored: Mechanically compliant dielectrically weakly conducting and magnetically weakly permeable (DWMW), highly conducting and magnetically highly permeable (DHMH), low dielectric and magnetic permeability (LDLP), grounded metallic with magnetic grounding (GMMG), and ideal contact interfaces. A micromechanical model of the PEMC is developed, from which material constants of the composite are derived using the strength of materials and the rule of mixtures technique. Using precise boundary conditions for interfacial imperfections, velocity equations are derived and illustrated graphically under four electric-magnetic scenarios: electrically-magnetically short (ESMS), electrically short-magnetically open (ESMO), electrically open-magnetically short (EOMS), and electrically-magnetically open (EOMO). This analysis highlights the impact of electro-mechanical and magneto-mechanical interactions, as well as mass loading, volume fractions, and interfacial imperfections, on Love-type wave velocities in advanced composites. The outcomes of this research could revolutionize detection technologies in SAW devices, thereby enhancing their application across diverse sectors.</p>