Top Best Home Warranty Companies In Michigan Review

There are so many reasons why people love living in the bountiful state of Michigan. From the many respected universities to thriving farmer’s markets to enchanting lakes, Michigan has something to offer for all homeowners.

Meanwhile, Michigan is also prone to various natural calamities like thunderstorms, tornadoes, floods, and blizzards. Unfortunately, your homeowners insurance doesn’t cover everything in your home – namely your home systems and appliances.

This is where your home warranty in Michigan comes in handy.

If you’re a homeowner looking for the best home warranty companies in Michigan, this guide is for you. For today’s guide, we cover:

  • What is a home warranty?
  • The top 7 best home warranty companies in Michigan
  • Things to consider before choosing a home warranty company in Michigan
  • Home warranty tips for Michiganders
  • Resources for Michigan homeowners and homebuyers
  • And many more…
Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
97.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
96.5

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: ReviewHomeWarranties.com 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.

Compare Michigan Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-
ServicePlus Home WarrantySiteBest Emergency Service$41 - $45$75 - $125A

Michigan Home Warranty Costs 

Wondering just how much you need to pay for a home warranty in Michigan? At Review Home Warranties, our team has done their due diligence about home warranty companies in Michigan. Below is a quick breakdown of the overall annual costs of home warranty in Michigan and the cost for different types of homes.

Type

Average Annual Premium

Overall

$722.20

Single Family Home

$589.14

Multi-Family

$1,055.74

Townhome

$574.05

Condo

$597.95

Home Over 5,000 sq ft

$1,294.73

Home Under 5,000 sq ft

$616.11

Michigan Home Warranty Company Reviews

With the number of companies out there, choosing the best home warranty company in Michigan can be daunting. Lucky for you, we’ve reviewed over 60 home warranty companies servicing Michigan and narrowed it down to a list of several providers.

Below are the top 7 best home warranty companies in Michigan.

1. Choice Home Warranty: Best Overall

Choice Home Warranty is our top pick for the best home warranty company in Michigan because it offers a great value proposition and extensive coverage.

To keep things simple, Choice only has two plans available: Basic and Total. The Basic Plan covers 14 different systems and appliances while the Total Plan includes everything under Basic plus coverage for essential items like AC and refrigerator.

What we like most about Choice is that their plans are fairly affordable while still covering a good number of systems and appliances. Their optional add-ons are quite limited but it does include limited roof leak protection which should come in handy for Michiganders.

Pros

Cons

Extensive coverage

Can’t customize plans outside of add-ons

No inspection needed

Can’t choose your service contractor

Budget-friendly plans

 

Snappy 24/7 customer service

 

90-day repair guarantee

 

Plans and Pricing

For the average Michigan homeowner, the Basic Plan offers good value since it covers both major appliances and systems for a good price. However, most people would probably want to cover key items like air conditioners, refrigerators, washers, and dryers. In this case, the Total Plan makes more sense and the cost difference isn’t that huge.

Plan

Cost Per Month

Service Fee

Basic Plan

$42

$60-$85 per claim

Total Plan

$50

$60-$85 per claim

Coverage

Cinch’s strong coverage is one of the many reasons why it’s a solid warranty provider. If you get the Total Plan, the following items in your home will be covered:

  • Air conditioning
  • Plumbing
  • Electrical
  • Water heater
  • Whirlpool tub
  • Refrigerator
  • Oven/range/stove
  • Cooktop dishwasher
  • Ductwork
  • Garage door opener

If you want to improve your coverage, you can include add-ons to your plan such as sump pump, well pump, pool/spa, central vacuum, septic system, limited roof leak, and standalone freezer.

Customer Reviews:

“Extremely pleased!! Todd was wonderful and very nice and professional!! He was a great pleasure to speak with and easy to work with. He thoroughly explained the process and questions I had on coverages. Very happy and Thank you!!” (Source)

2. American Home Shield: Most Customizable

American Home Shield is a veteran home warranty provider with over 50 years of experience in the business. American Home Shield allows you to customize your plans, so you’ll only have to pay for relevant covered items.

American Home Shield offers multiple coverage plans with increasing levels of coverage. The base package is basically a systems-only plan that covers 14 major home systems. The subsequent plans within the tier add appliances into the mix and some neat add-ons like an HVAC tuneup.

In addition, American Home Shield lets you choose how much service fee you want to pay: $75, $100, or $125. The lower the service fee, the higher your monthly premiums will be. This gives customers a lot of flexibility with their monthly payments.

Pros

Cons

Flexible tiered plans

Not available in Alaska

Customizable plan packages

Only offers a 30-day guarantee

50+ years in the business

 

B rating from the BBB

 

30-day free cancellation period

 

Plans and Pricing

American Home Shield has three-tiered warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum.

The base ShieldSilver plan is your usual systems-only plan which is ideal for customers who want coverage exclusively for their home systems. ShieldGold is the midrange combo plan that includes everything in Silver with additional 9 appliances for coverage. Lastly, the ShieldPlatinum package includes everything in Silver and Gold plus roof leak protection and HVAC tune-ups to sweeten the deal.

Plan

Cost Per Month

Service Fee

ShieldSilver

$45

$75-$125

ShieldGold

$55

$75-$125

ShieldPlatinum

$79

$75-$125

Coverage

With 14 major systems covered, the ShieldSilver plan is an impressive package if you only care about covering your home systems. However, if you want to cover both systems and appliances, you should move up the tier to either ShieldGold or ShieldPlatinum. American Home Shield helps protect the following items:

  • Heating/cooling
  • Electrical
  • Plumbing
  • Ductwork
  • Water heater
  • Refrigerator
  • Built-in microwave
  • Garbage disposal
  • Washer/dryer
  • Oven/ranges/cooktops

Several optional add-ons are also available if you want to bolster your home warranty package including electronics protection, pool and spa, septic pump, well pump, and guest unit.

Customer Reviews:

“I called American Home Shield on a Friday and it was a little disappointing. I didn't get anything until the next Wednesday so it took a little while. But once I got service, it worked fine. The tech was very responsive and flexible. He made it easy to contact him. I needed to have a little bit of a later time and he made it work with the schedule. AHS is there for what it needs to be. I recommend it. I've used it a couple of times and it's been the same contractor each time. That has worked very well.” (Source)

3. Select Home Warranty: Most Affordable

Customers looking for an affordable home warranty provider should check out the Jersey-based Select Home Warranty.

Select Home Warranty deserves a spot on our list because they have some of the most budget-friendly home warranty premiums - considerably lower than industry standards. Budget-conscious Michiganders in affordable areas like Ann Arbor, Holland, and Midland will surely appreciate Select’s affordable monthly plans. If you want to save more, Select is more than happy to give discounts for multi-year contracts.

However, Select isn’t just a budget home warranty provider, they have an impressive coverage catalog as well.

Pros

Cons

Affordable monthly payments

No fixture coverage

Accessible service fees

Low coverage caps

90-day repair guarantee

 

Discounts on multi-year contracts

 

Same-day response times

 

Plans and Pricing

Select Home Warranty offers three straightforward plans: Bronze Care, Gold Care, and Platinum Care. Bronze covers appliances, Gold covers home systems, and Platinum is a top-end combo plan. Due to the low price difference, most people go for the Platinum Care package for more complete coverage.

Plan

Cost Per Month

Service Fee

Bronze Care

$41

$65

Gold Care

$41

$65

Platinum Care

$47

$65

Coverage

All of Select’s plan packages are categorized based on the items covered. Perhaps, you’re concerned more about protecting your systems like your AC or water heater. In this case, getting the Gold Care plan makes the most sense. Meanwhile, maybe you have older appliances that you anticipate may break down soon. That being the case, the Bronze plan is a no-brainer.

Here are some of the most popular items that are covered by Select:

  • Ductwork
  • AC unit
  • Electrical
  • Heating
  • Water heater
  • Cooktop
  • Dishwasher
  • Refrigerator
  • Stove/oven
  • Built-in microwave

Also, you can add more value to your plan with optional items like central vacuum, second refrigerator, lighting fixtures, plumbing fixtures, septic system, pool/spa, etc.

Customer Reviews:

“Bruce **, was they guy I had the pleasure of speaking to. He was able to give me a great deal, and help me save some money. Even though I was willing to pay month to month he was able to work things out for me that I can afford to pay in full. Thank you for helping me and caring about what’s best for me.” (Source)

4. Liberty Home Guard: Best Reviewed

Most people care about reviews before deciding to give their business. If good reviews matter to you the most, Liberty Home Guard might just be the home warranty company for you.

For starters, Liberty Home Guard has an A rating from the Better Business Bureau or BBB. Their Google reviews are also mostly positive and that can also be said for the critics’ reception. What we’re trying to say is that Liberty Home Guard is the “Most Trusted” home warranty company in Michigan.

On top of positive reviews, Liberty Home Guard offers extensive coverage, a good list of add-ons, and a strong network of vetted technicians.

Pros

Cons

A rating from the BBB

Not available in CA, WA, WY, or WI

Reasonable service fees

Add-ons can be expensive

60-day guarantee

 

Strong network of vetted contractors

 

Extensive list of add-ons

 

Plans and Pricing

Most customers should appreciate Liberty’s simple naming schemes for their plans, namely Appliance Guard, Systems Guard, and Total Guard. Depending on where you live in Michigan, Liberty home warranty packages may cost from $40-$60. This easily makes Liberty Home Guard the most expensive company in terms of monthly premiums.

Plan

Cost Per Month

Service Fee

Appliance Guard

$40

$65

Systems Guard

$45

$65

Total Guard

$49.99

$65

Coverage

Liberty is one of those companies that offer plans for specific coverage types. Like for example how Appliance Guard only covers appliances and Systems Guard only covers home systems. However, the plans themselves can be customized in a few ways such as being able to choose to replace a covered item instead of repairing it.

Hands down, the best value package is Total Guard which covers both appliances and systems including:

  • Air conditioning
  • Heating
  • Ductwork
  • Plumbing
  • Water heater
  • Washer/dryer
  • Kitchen refrigerator
  • Dishwasher
  • Built-in microwave
  • Garbage disposal

Another strong aspect of Liberty Home Guard is its extensive list of add-ons such as sump pump, well pump, pool and spa equipment, standalone freezer, pest control, limited roof leak, generator, etc.

Customer Reviews:

“I bought a home last year and it came with a policy with this company. I kinda knew I had some kind of coverage but didn't really understand what I was paying for. Last week my oven broke and I gave them a call to see if they'll fix it for me. The representative was incredibly kind and she took the time to explain to me exactly what the coverage I have covers and that my issue is covered. They sent somebody out to fix it and I'm glad to report that as of this morning my oven is fixed. They asked me to leave a review if I was pleased with their service and I sure am. Review left!” (Source)

5. ServicePlus Home Warranty: Best Emergency Service

Founded in 2016, ServicePlus Home Warranty is one of the newer companies on this guide. Despite being a relatively new home warranty company, ServicePlus manages to stand out with its stellar emergency services.

Winters in Michigan can be harsh and temperatures can drop to about 27 °F. When your home heater malfunctions during winter, you want it fixed right away instead of scrambling to a repairman. With ServicePlus expedited services, you can count on them in case of emergencies.

Moreover, ServicePlus Home Warranty offers extensive coverage for both home systems and appliances and a 24/7 customer hotline.

Pros

Cons

24/7 support and claims department

Low payout caps

90-day parts guarantee

Only available in 45 states

An extensive network of licensed contractors

 

Expedited services available

 

Reasonable service fees

 

Plans and Pricing

When it comes to plans, ServicePlus keeps it simple with only two types: Gold and Platinum. The Gold Plan is good value for the money as it covers 15 different systems and appliances - only lacking several key items. For a few more dollars, the Platinum Plan adds coverage for popular items like the refrigerator, air conditioner, heater, etc.

Plan

Cost Per Month

Service Fee

Gold

$42

$75

Platinum

$46

$75

Coverage

While the Gold Plan covers 15 home systems and appliances, it lacks coverage for items that most people want to cover. ServicePlus’ most robust warranty plan is Platinum which includes the following:

  • Plumbing (including stoppages)
  • Whirlpool bathtub
  • Water heater
  • Electrical
  • Built-in microwave
  • Ductwork
  • Air conditioner
  • Trash compactor
  • Refrigerator
  • Washer/dryer
  • Garage door opener
  • Garbage disposal

You can customize your plan further through add-on items like central vacuum, sump pump, well pump, second fridge, septic system, and limited roof leak.

Customer Reviews:

“My experience so far has been excellent consumer care and respect. Total information and what I need to know especially how to contact the company if I have any problems. I think having the protection on my appliances and plumbing and roof a worry off my mind.” (Source)

6. First Premier Home Warranty: Best Coverage

Established in 2020, First Premier Home Warranty manages to grab our attention with its comprehensive coverage and competitive pricing.

As the youngest company on this guide, we advise against writing off First Premier. For starters, the company boasts a B+ rating from the BBB which is impressive for a company in its infancy. First Premier Home Warranty establishes itself as a contender with its comprehensive coverage that includes both home systems and appliances. They also offer a healthy list of add-ons for creating custom plans.

On top of that, First Premier Home Warranty has a strong network of vetted and licensed technicians and solid customer support.

Pros

Cons

Solid customer support

Low payout caps

B+ rating from the BBB

Only available in 32 states

Strong network of vetted technicians

 

Comprehensive coverage and add-ons

 

Reasonable premiums and service fees

 

Plans and Pricing

First Premier Home Warranty only has two plans: Premier and Premier Platinum. While both plans are quite affordable, they suffer from low payout caps. Michiganders with high-end systems and appliances should take note of this. However, the low payout caps come with lower monthly payments.

Plan

Cost Per Month

Service Fee

Premier

$43

$75

Premier Platinum

$50

$75

Coverage

The base Premier plan offers a decent mix of major home systems and appliances. However, like with most base plans, several key items are excluded such as the refrigerator and air conditioner. For Michigan homeowners, they’ll find the best value with the Premier Platinum plan that includes the following:

  • Air conditioner
  • Washer/dryer
  • Ductwork
  • Plumbing
  • Electrical
  • Trash compactor
  • Heating system
  • Dishwasher
  • Built-in microwave
  • Garbage disposal
  • Oven/range/stove
  • Whirlpool bathtub

First Premier Home Warranty allows you to upgrade your plan with add-on coverage for units like pool/spa, central vacuum, septic pumping, second fridge, standalone freezer, water softener, and the list goes on.

Customer Reviews:

“They've been great and responding and fixing my problems. We've got this house that everything was working before we bought it and when we moved in then lil things have been happening. They've been great helping us get everything fixed and just for a small fee to come out and fix it. They've been great. I really recommend them. Great service.” (Source)

7. Cinch Home Services: Best Workmanship

When it comes to workmanship, you’ll be hard-pressed to find a better company than Cinch Home Services.

With over 40 years in service, Cinch is one of the biggest names in the home warranty industry - and for good reason. For starters, you can’t ignore Cinch’s generous 180-day service guarantee when most companies can only offer 60 days. Moreover, Cinch is more than happy to cover appliances with pre-existing conditions as well as protection from rust and damage corrosion.

Cinch also provides discounts if you have brand-new systems and appliances, which is not that common in the home warranty space.

Pros

Cons

180-day service guarantee

Pricey service fees

40 years in operation

Not as many add-ons

Discounts for brand-new appliances

 

Protection against rust and corrosion damage

 

B rating from the BBB

 

Plans and Pricing

Cinch offers three self-explanatory plans: Appliances, Built-In System, and Complete Home. Choosing between these plans is rather convenient if you prefer one type of coverage over the other. The cheapest package is the Appliances plan and the Complete Home offers the best of both worlds.

However, the most noteworthy aspect of Cinch’s pricing scheme is its service fees. Starting at $100, it’s one of the most expensive service fees in the market.

Plan

Cost Per Month

Service Fee

Appliances

$27.99

Starts at $100

Built-In Systems

$32.99

Starts at $100

Complete Home

$39.99

Starts at $100

Coverage

Both Appliances and Built-In Systems plans offer comprehensive coverage for their respective types. However, we feel that the Complete Home is the best value for your money since it covers both appliances and systems. Some of the popular items covered by Cinch are:

  • Air conditioner including ductwork
  • Electrical system
  • Heating
  • Water heater
  • Refrigerator
  • Washer/dryer
  • Plumbing system
  • Trash compactor
  • Food center
  • Freestanding ice maker
  • Range exhaust hoods
  • Central vacuum

As mentioned earlier, Cinch has protection from rust and corrosion damage, and they can give you discounts for newer appliances.

Customer Reviews:

“Cinch has been very good. They come out right away. We had a couple of crunches or one, but it had to do with the COVID. Generally, they schedule a service when it's convenient for us, and the technicians we've had have been very nice. Having the home warranty program gives us peace of mind. We got it when we bought a new refrigerator. And in the first year, the compressor went out.” (Source)

What You Should Consider Before Buying A Home Warranty in Michigan

Does your budget include expensive home repairs and replacements? If not, then we encourage all Michigan homeowners to consider getting a home warranty. Now that we’ve narrowed down your choices for the best home warranty companies in Michigan, it’s time for some tips.

Below are the things you should consider when buying a home warranty in Michigan.

Overall Cost

Don’t just go with a home warranty company that offers the lowest monthly payment. When it comes to home warranty companies in Michigan, it’s best to consider the overall pricing. It’s not just about monthly payments but other factors like service fees and coverage caps matter as well. Some companies keep the monthly costs down but offer lower coverage caps and higher service fees, and vice versa.

Determine your budget and what you’re willing to pay for home warranty coverage.

What’s Covered?

Before talking to a home warranty company in Michigan, make sure that you determine your coverage needs first. Make a list containing all your home systems and appliances, and note which items need coverage. As a result, you can choose the most ideal plan for your home.

When dealing with home warranty companies, find out which systems and appliances are covered. Always check for the specifics of each company’s coverage, and pay close attention to coverage limitations and exclusions. Understand every bit of your coverage and read the fine print.

Customer Service

If you’re going to build a long-term relationship with a home warranty company, save yourself from serious headaches and frustrations by prioritizing customer service.

Choose a home warranty company with a support team that’s professional, people-oriented, and quick on its feet. When a home system or appliance breaks, you want it fixed ASAP instead of being left in the phone for hours on end. Excellent customer support is non-negotiable.

Home Warranty Tips for Michigan Residents

Just to get this out of the way, a home warranty is different from homeowners insurance. A home warranty will help cover for the repair or replacement of your home’s major systems and appliances once they break down due to normal wear and tear. 

The state of Michigan has a continental type of climate. Summers can be warm and winters are freezing, snowy, and windy. Plus, throw in some thunderstorms, tornadoes, floods, and blizzards, and you’ve got Michigan weather in a nutshell.

Although summers tend to be moderate in Michigan with average temperatures at 80+ degrees, 80% of homes have air conditioning. Areas like Detroit, Kalamazoo, and Warren have experienced increasingly warm summers with highs of 82 °F and lows of 63 °F. Also, Michigan being around the Great Lakes, severe humidity can be a problem.

In this case, you’ll want coverage for your air conditioning system, so you’re comfortable day and night.

Michigan is also predicted to have drier and colder winters, with the coldest temperatures from mid to late November to early to mid-February. As a Michigan homeowner, the last thing you want is to deal with a faulty heater. For quick service, you’ll want to sign up with a company that can provide expedited services like ServicePlus Home Warranty.

Alternatively, Choice Home Warranty and Liberty Home Guard have solid coverage for heating systems. If you want to make sure that your HVAC system is ready for Michigan winter, go with a company that offers an HVAC tune-up service like American Home Shield.

If you live in cities with the most rainfall like Garden City, Grosse Pointe, Ann Arbor, and Detroit, consider getting a home warranty provider that offers roof protection. We recommend American Home Shield and Choice Home Warranty for their limited roof leak coverage.

Residents of rural counties like Dickinson, Otsego, Mason, Charlevoix, etc., should consider getting add-on coverage for things like septic systems, sump pumps, and well pumps.

Home Warranty Regulations in Michigan

We’ve been digging around and were unable to find active regulations that govern home warranties in the state of Michigan. For Michigan homeowners, we highly advise researching the prospective home warranty companies that you’re intending to buy your coverage from. For the most part, it’s hard to go wrong with our top 7 home warranty companies above. Also, check with the BBB to read user reviews for good measure.

Final Thoughts

You can spare yourself from the potential financial distress due to unexpected repairs and replacements by buying a home warranty. Michigan residents can save a lot of money and have peace of mind with a reliable home warranty provider. Lucky for you, our top 7 picks should help you find the right company that best fits your coverage needs.

Choice Home Warranty is our overall top pick with its solid coverage and add-ons, fair pricing, and strong customer support.

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Resources for Michigan Homeowners and Home Buyers

Recap of Our Top Picks in Michigan

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.50
  • $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 97.00
  • 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 96.50
  • $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 96.10
  • $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 95.50
  • $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 95.30
  • Lower chance of claim denial
  • Choose your own service fee!
  • Multiple optional coverage items
  • Limited plan selection
  • Online chat not supported
  # 7 Cinch Home Services
Editorial Rating 95.00
  • 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

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.

Q.

Is a Michigan home warranty worth it?

A.
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.
Q.

What are the best home warranty companies in Michigan?

A.
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
Q.

What do home warranties cover?

A.
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.

Q.

How much does a Michigan home warranty cost?

A.
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
Monthly
Annually
Top 5 Average
$56
$672
Q.

How do I choose a good home warranty?

A.
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.