Top Best Home Warranty Companies In Michigan Review

Want to know more about the most reliable home warranties available on the Great Lakes in Michigan?

If so, you’ve come to the right place. In this review you will learn:

  • What is a home warranty for a Michigan resident and which one is the best?
  • Which items are protected in MI under a home warranty policy?
  • What factors should be considered when purchasing a Michigan home warranty?
  • And much more!

While searching for a home warranty might seem overwhelming, we’ve made it easier for you to find the right protection plan in Michigan. After 68+ companies reviewed, we’re pulling back the curtain on the leading 7 home warranty companies in the MI industry. Check out the table below! 

Editor's Choice

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer

Best Home Warranty Companies in Michigan

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 96.5
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 96.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.5
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • Choose your own service fee!
  • Online chat not supported
  • Lower cap on item replacement
  # 7 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee

Disclosure: has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

In general, finding a home warranty is easy, but finding the best home warranty companies in Michigan that would cover all your needs can take you a significant amount of time. To simplify this task, we have collected information on multiple home warranty companies in Michigan. We compared all these companies so that you could make an informed decision of which company to choose. Keep reading to learn more about protection in MI.

Who needs a home warranty in Michigan?

Michigan is the tenth most populous state in the USA, with a population of over 10 million people, and 73% of its citizens own their houses. Any homeowner, regardless of whether they live in the wealthiest communities in Oakland County or the poorest in Benton Harbor, is looking for ways to protect their wallets from any unexpected expenses on home repairs. This is where home warranty companies come in handy. The homeowners can easily find a home warranty in Michigan that would fit their budget and give them much-needed peace of mind.

Even the most basic home warranty plans in Michigan, like the ones offered by Service Plus, can help the new homeowner save a significant amount of money on unexpected repairs and replacement costs of their home systems and appliances.

This plan includes an electrical and plumbing system, plumbing stoppages, water heater, bathtub, ceiling fans, garage door opener, and a long list of kitchen appliances.

More seasoned homeowners, especially those who look for the best home warranty for older homes in Michigan, often prefer to switch to more comprehensive plans, like the one offered by Choice Home Warranty. Its Total Plan covers all major home systems, washer and dryer, kitchen appliances, and more.

Home sellers and real estate agents will also benefit from having the best home warranty in Michigan as it will protect their wallets from any unexpected repairs or replacements while their house is on the market. Besides, buyers are more likely to buy a house that already has a warranty and less likely to negotiate the price downwards.

Looking for the best home warranty plans?- Read Our Research

There is a huge variety of home warranty plans on the market. How would you find the one that is right for you? Do you know which home systems and appliances you would like to be covered? Do you need a basic plan or a comprehensive plan? Read our comparison of the top home warranty plans and choose the right home warranty plan based on this knowledge.

Our Recommended Home Warranty Package

What should be covered by a home warranty in Michigan?

Before you start looking for a home warranty plan in Michigan, think about which part of the state you live in and what climate you have. Climate may play a big role in the functioning of your home systems and appliances.

Overall, Michigan has a continental climate, with two distinct regions. The central and southern parts, from the Saginaw Bay and Grand Rapids southward, have a warmer climate with long and hot summers.

If you live in the area, it would be wise to make sure that your air conditioning system is covered properly. Select Home Warranty may become a great help offering coverage for your A/C system under the Gold Care and Platinum Care plans.

The northern part of the state has a more severe climate with warm, but short summers and cold, to very cold winters. The temperatures may get as low as -35F. In these conditions, it is crucial to have your heating system and water heater covered under a home warranty. One of the industry leaders, 2-10 Home Buyers Warranty offers coverage up to 25,000 for HVAC system in Michigan.

Want to know more about coverage plans for your water heater? Click here!

The entire state of Michigan averages thirty days of thunderstorm activity per year. As you know, thunderstorms may trigger power outages, which in turn may have a detrimental effect on the operation of your home appliances.

Some companies, like HomeServe USA, offer special Appliance plans that cover kitchen and laundry appliances only. A Systems plan for home systems only and Combo plan that includes both systems and appliances are also available.

What to look for when choosing a home warranty in Michigan


Before settling on a home warranty, first find out whether the monthly premiums, deductibles, and service fee charges are within your budget.

Some home warranty companies like AHS will allow you to customize your plans and service fees, making this a viable option for homeowners who are on a tight budget.

Let’s look at the cost of a home warranty in Michigan as offered by the various home warranty service providers.

Choice Home Warranty

Basic plan: $36 p/m

Total Plan: $44 p/m

Service Fee: $60- $85

American Home Shield

Appliances Plan: $49.99 p/m

Systems Plan: $49.99 p/m

Combo plan: $59.99 p/m

Service fee: $70- $125

Select Home Warranty

Bronze Care: $35.83 p/m

Gold Care: $35.83 p/m

Platinum Care: $37.50 p/m

Service fee: $60- $75

Liberty Home Guard

Appliance Guard: $39.99

Systems Guard: $49.99

Total Home Guard: $59.99

Service fee: $60


While the cost is the most basic and essential consideration when getting a home warranty, it is vital to check out different plans against their pricing to determine whether the home warranty is worth it.

Let’s have a look at the coverage for the top 3 home warranty companies in Michigan.

Choice Home Warranty

Basic Plan

  • Built-In Microwave
  • Water Heater
  • Ductwork
  • Ceiling and Exhaust Fans
  • Dishwasher
  • Whirlpool bathtub
  • Plumbing system
  • Heating System
  • Garage Door Opener
  • Oven / Range / Stove/ cooktop
  • Electrical system
  • Garbage Disposal
  • Plumbing Stoppage
  • Air conditioner

Total Plan

All items in basic plan plus clothes washer, dryer, and refrigerator.

Optional Addons

  • Stand Alone Freezer
  • Well Pump
  • Sump Pump
  • Central Vacuum
  • Septic Tank Pumping
  • Limited Roof Leak
  • Septic System
  • Second Refrigerator
  • Pool / Spa

American Home Shield

Appliances Plan

  • Garage Door Openers
  • Built-in food centers
  • Refrigerators
  • Washer
  • Ranges/Ovens/Cooktops
  • Built-In Microwaves
  • Trash Compactors
  • Dryer
  • Dishwasher

Systems Plan

  • Plumbing and stoppages
  • Heating systems
  • Air Conditioning
  • Ductwork
  • Garbage disposal
  • Doorbell
  • Central Vacuum
  • Electrical
  • Hot Water Dispenser
  • Smoke Detectors
  • Ceiling Fans, 
  • Water Heater

Combo plan

All appliances and systems in the above plans

Optional Addons

  • Guest unit appliances and systems
  • Pool and spa
  • Well pump
  • Home electronics
  • Septic pump 

Select Home Warranty 

Bronze Care Plan

  • Clothes Washer
  • Garbage Disposal
  • Dishwasher
  • Cooktop/ Stove/Oven 
  • Built-In Microwave Oven
  • Clothes Dryer
  • Refrigerator 

Gold Care Plan

  • Water Heater
  • Plumbing System
  • Heating System
  • Ductwork
  • Electrical System
  • Air Conditioning and Cooling

Platinum Plan

All covered items in the gold and bronze care plans plus plumbing stoppages.

Optional Addons

  • Central Vacuum – $3.33 per month
  • Roof Leak- Free 
  • Sump Pump – $3.33 per month
  • Pool – $8.33 per month
  • Septic System – $5.83 per month
  • Spa – $5.83 per month
  • Lawn Sprinkler System – $5.83 per month
  • Stand Alone Freezer – $3.33 per month
  • Well Pump – $3.33 per month

Looking for the Best Home Appliance Insurance?- Read Our Research

Every American home nowadays is equipped with multiple home appliances. Usually, when you purchase a new home appliance, it comes with a manufacturer's warranty. As soon as the manufacturer's warranty expires, do you think is it better to extend it or purchase a home appliance warranty instead? Find the answers to this question in our article.

Best Home Appliance Insurance - Read Our Research

Best Home Warranties in Michigan Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).


  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 


  • Only 15 Home Appliances & Systems Covered 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions


  • Most Expensive


Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan


  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.


  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company


  • Must report your issues within one day of noticing a problem

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!


  • You Can Choose Your Own Technicians
  • Roof Coverage


  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)


Any home, townhome, condo, or mobile homeowner, home buyer, or home seller may benefit from having a home warranty in Michigan. Many home warranty companies offer their services, so it is not always easy to decide which plan would work for you.

Home warranty MichiganIn order to help you make an informed decision, we collected information on various home warranty companies, compared their plans, summarized their terms and conditions, and rated them accordingly.

Before you sign a contract with a home warranty company, there are some things you should take into consideration. First, is what you want covered in your house—all systems and home appliances, systems only, appliances only, or a certain combination of both?

Depending on your answer to this question, there are different plans available at various home warranty companies in Michigan. There are basic plans, more comprehensive advanced plans, system plans, appliances plans, and a long list of optional coverage items.

Read Also: System and Appliance Coverage In An Older Home

Another important thing you should consider is the location of your house. What kind of climate do you live in? How may it influence your home systems and appliances? The answers to these questions will help you find the right home warranty plan that will satisfy your needs for home warranty coverage.


Nearby States

All states
Home warranty Ohio 43 companies available
Ohio Home Warranty
Home warranty Indiana 41 companies available
Indiana Home Warranty
Home warranty Wisconsin 31 companies available
Wisconsin Home Warranty

Frequently Asked Questions in Michigan

Below are just some of the frequently asked questions we receive about home warranties in Michigan.


Is a Michigan home warranty worth it?

You rely on the systems and appliances in your home to function properly day in and day out. But as they age, they are all prone to malfunction at some point. 

A home warranty can be another layer of protection for your budget when systems and appliances stop working. Instead of not knowing how much repair or replacement might be, a home warranty spells out the coverage for your most common appliances and systems at a price you know ahead of time and can plug right into your budget.

A home warranty costs between $300- $600, and well, this amount will barely repair any appliance or system in your home. Having a home warranty can give you cover for up to $3000 for a damaged appliance or system; an example is with ahs air conditioning cover.

What are the best home warranty companies in Michigan?

All-day every day, we are looking at the costs, coverage, and reputation of almost 70 home warranty companies operating in the United States. Our top five picks for your Michigan home are:

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus

What do home warranties cover?

A home warranty is meant to fill in the gap where your homeowner’s insurance and manufacturer’s warranty fall short. So for everyday wear and tear that leads to a breakdown of common appliances and systems in your home, a home warranty offers coverage for these situations.

Common appliances covered:

  • Oven/stove/range
  • Refrigerator
  • Dishwasher
  • Clothes washer
  • Clothes dryer
  • Built-in microwave oven

Common systems covered:

  • Heating 
  • Air conditioning
  • Electrical
  • Plumbing
  • Water heater

Other common coverage includes garage door openers, garbage disposals, doorbells, exhaust and ceiling fans, and HVAC ductwork. 

There is also often optional add-on coverage you can get for a pool and spa, pumps for septic, well, or sump pump, freezers, and additional refrigerators.


How much does a Michigan home warranty cost?

Remember both components of the cost of a home warranty: the monthly premium, and the service call fee paid each time the home warranty company sends a technician to check on a claim and make the repairs or replacements needed. A service call fee can range from around $70 to $150 depending on the provider. 

With most home warranty companies, you can opt for either an Appliance Plan or a Systems Plan as standalone coverage. But most people choose a Combo Plan that covers all the major systems and appliances in their home. Here is the average cost of a Combo Plan among our top five Michigan providers:

Combo Plan
Top 5 Average

How do I choose a good home warranty?

Here are three steps to take in choosing the right home warranty company for your home:

  1. Research - Do what you are doing now and find out the prices, coverage, and reputation of the companies with plans available in Michigan.
  2. Look at several quotes - Don’t just take the first offer that comes your way. Get quotes from several companies. Depending on the plan options you choose and the discounts a home warranty company might be offering, you can find the right coverage that works with your budget.
  3. Read the service agreement - Before signing anything and making a payment, be sure to read the service agreement carefully.