Top Best Home Warranty Companies In Michigan Review

There are so many reasons why people love living in the bountiful state of Michigan. With affordable housing, respected universities, the buzzing city of Detroit, and a thriving fishing market thanks to the state’s access to the four of the five Great Lakes, this midwestern state has plenty to offer every homeowner. However, Michigan homeownership comes with its fair share of headaches. Michigan is a state that’s prone to various natural calamities like thunderstorms, tornadoes, floods, and blizzards that can causes significant wear-and-tear on your home systems and appliances. This is where one of the best home warranty companies in Michigan can come in to cover the extensive costs of repairs and replacements.

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
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

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 98.5
  • $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 98.0
  • 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 97.6
  • $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 The Home Service Club
Editorial Rating 97.2
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Limited coverage
  • 1 day to submit a claim
  • Limited plan selection
  • Fewer contractors available
  # 5 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.7
  • 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
  # 7 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement

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.

Top 7 Best Home Warranty Companies in Michigan

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
The Home Service ClubSiteQuickest Coverage$50-$63$60N/A
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-

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 affordable plans with extensive coverage. To keep things simple, Choice only has two plans available: the Basic Plan and the Total Plan. One of Choice Home Warranty's key highlights is that its plans are fairly affordable while still covering a good number of systems and appliances. Choice's optional add-ons are quite limited but it does include limited roof leak protection which should come in handy for Michiganders. As an industry veteran, Choice Home Warranty has been in operation for over 13 years. If you're looking for a home warranty with fair pricing and professional customer service, Choice is the best option for you.

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, Pricing and Coverage

Choice's two plan options, the Basic Plan and the Total Plan, are both comprehensive combo options. For the average Michigan homeowner, the Basic Plan offers good value since it covers both major appliances and systems for a low price of $45 per month. However, most people would probably want coverage on key items like air conditioners, refrigerators, washers, and dryers. In this case, the Total Plan makes more sense and the cost difference is under $9 per month. The Basic Plan covers 14 different systems and appliances while the Total Plan includes everything under Basic plus coverage for essential items like A/C and refrigerator.

Here are Choice Home Warranty's plans:

  • Basic Plan ($42 per month): The Basic Plan from Choice is low priced and covers 14 total appliances and systems. Those include ceiling fans, cooktop exhaust fans, dishwasher, ductwork, garbage disposal, ductwork, electrical system, garage door opener, heating system, oven, microwave, plumbing system, toilet, and water heater.
  • Total Plan ($53.33 per month): The Total Plan is the most comprehensive plan because it covers all 14 of the items covered in the Basic Plan plus four more coverages: washer, dryer, air conditioning and refrigerator. For only a couple dollars more per month, this plan is most popular among Michigan homeowners. 
  • Optional add-ons: Choice offers nine optional coverages including central vacuum, septic tank, sump pump, well pump, pool and spa, roof leaking, and stand-alone freezer.

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customer's Are Saying

“We have been pleased with our experience with Choice Home Warranty. We haven't used it extensively but every time we have, it has been a good experience. They take good care of us and seem to value our patronage.”Ree T.

Learn more information through our Choice Home Warranty Review.

2. American Home Shield: Most Customizable

American Home Shield is a veteran home warranty provider with over 50 years of experience in the home warranty business. American Home Shield allows you to customize your plan so you’ll only have to pay for the items you need coverage on. American Home Shield offers multiple protection plans with increasing levels of coverage; they are ShieldSilver, ShieldGold, and ShieldPlatinum. As one of the older home warranty companies, AHS has perfected its plans to fit the need of every homeowner and established a network of high-quality contractors across the United States to ensure servicing is effective and efficient. With customizable plans and service fees, you can't go wrong choosing AHS as your home warranty provider.

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, Pricing and Coverage

American Home Shield has three-tiered warranty plans: ShieldSilver, ShieldGold, and ShieldPlatinum. The 'base package,' ShieldSilver, is a systems-only policy that covers 14 major home systems. The subsequent plans within the tier add appliances into the mix. ShieldGold is the midrange combo plan that includes everything in Silver with additional 9 appliances. Lastly, ShieldPlatinum includes everything in Silver and Gold plus roof leak protection and free HVAC tune-ups to sweeten the deal. In addition, American Home Shield lets you choose the 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. 

Take a look at AHS's plan options (note: these prices are based on a $100 service fee):

  • ShieldSilver™ ($45 per month): ShieldSilver is the basic systems-only plan from AHS. The 19 included systems are air conditioning, smoke alarm, attic fans, bath exhaust, ceiling fans, cooktop exhaust, garbage disposal, electrical system, doorbells, garage door opener, water heater, heating system, locksmith, plumbing, plumbing stoppages, toilet, water dispenser, whole house fan and ductwork. 
  • ShieldGold™ ($55 per month): ShieldGold covers 23 home systems and appliances; it includes many of the 19 items in ShieldSilver plus dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer. It doesn't have coverage for a couple of the systems to even out to coverage, however, if you upgrade to ShieldPlatinum, you will get all the items included.
  • ShieldPlatinum™ ($79 per month): ShieldPlatinum is the most comprehensive policy option from AHS for Michigan homeowners. This plan includes coverage on all 23 systems and appliances in ShieldGold plus free roof leak coverage, trash compactor, disposal, and locksmith. For the amount of coverage, this is an excellent option and it can go for as low as $59.27 per month.
  • Optional add-ons: AHS offers a few additional coverages including pool and spa, PC, TV, septic system, and well pump coverage. 

Plans

Cost Per Month

Service Fee

ShieldSilver

$29.27-44.27

$75 - $125

ShieldGold

$39.27-54.27

$75 - $125

ShieldPlatinum

$59.27-74.27

$75 - $125

What Customers Are Saying

"I have called for warranty service three times in the last 9 months (re-key locks, leaking main water line coming into house, blocked sewage line) and for each of those instances, a contractor was assigned immediately and I was contacted by that contractor within 24 hours. Service for all three instances was completed within 24 hours of first call from contractor. I have been very satisfied with my warranty and the efforts of AHS and the three assigned contractors that have provided services under it." - Dan 

Learn more about AHS from our American Home Shield Review.

3. Select Home Warranty: Most Affordable

Select Home Warranty is the most affordable home warranty company in Michigan. Customers looking for affordable monthly payments but extensive coverage should check out the Jersey-based Select Home Warranty. Select Home Warranty deserves a top spot on this 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, Pricing and Coverage

Select Home Warranty offers three straightforward plans: Bronze Care, Gold Care, and Platinum Care. Bronze Care covers appliances, Gold Care covers home systems, and Platinum Care is a top-end combo plan. All of Select’s plan packages are categorized based on the items covered, and the Gold Care plan and Bronze Care plan go for the same price of just under $58 per month. Perhaps, you’re concerned more about protecting your systems like your A/C or water heater. In this case, getting the Gold Care plan makes the most sense.  However, Due to the low price difference for less than $5, most people go for the Platinum Care package for more complete coverage. Select Home Warranty also offers a low service fee of $60.

Here are Select's plan options:

  • Bronze Care Plan ($41 per month): The Bronze Care Plan is an appliance-only policy that includes seven items. These systems are garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer. 
  • Gold Care Plan ($41 per month): The Gold Care Plan is the systems-only plan is the same price as the Bronze Care Plan. This plan covers six systems including electrical, air conditioner, ductwork, plumbing systems, heating, and water heater. 
  • Platinum Care Plan ($47 per month): The Platinum Care Plan is the most popular and most comprehensive option offered by Select Home Warranty. This plan covers all 13 systems and appliances covered in the other two plans plus ceiling fan, garage door opener and plumbing stoppages. For only a few dollars more per month and over double the coverage, this is the best policy option for Michigan homeowners. 
  • Optional add-ons: All of Select's plans come with free roof leak coverage up to $400. The other add-ons you can choose from are pool, septic system, lawn sprinklers, well pump, stand-alone freezer, spa, central vacuum, and sump pump.

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$65

Bronze Care

$60.42

$65

Platinum Care

$65.83

$65

What Customers Are Saying

“Select Home Warranty has been great to us for the past 3 years. Great price and a low deductible (under $50). Using SHW has saved us thousands of dollars out of pocket on our old HVAC system and electrical system just last week. Someone always comes out within 2 business days after filing a claim. I am very surprised to read all of the bad reviews here, since we've had nothing but positive experience with SHW."- Rina B.

Read more on our Select Home Warranty Review.

4. Best for Quick Coverage: Home Service Club

The Home Service Club is the best Michigan home warranty company for quick coverage. Unlike most other home warranties in Michigan, The Home Service Club has a waiting period of only 10 days. This means your policy will take effect much faster than the industry standard waiting period of 30 days. HSC also does not require a home inspection prior to getting a home warranty, which allows you to have coverage even quicker. The Home Service Club has been in operation for over 13 years and since then has built plans with extensive coverage. Not only does HSC offer quick and efficient coverage, they have affordable plan options too. 

Pros

Cons

No inspection is needed before the plan starts

Can be a high service fee

The plan starts after ten days 

Not accredited by the BBB 

Extensive coverage options even in the basic plan 

 

Plans, Pricing, and Coverage

The Home Service Club offers two home warranty plan options to Michigan homeowners: The Standard Coverage Plan and the Comprehensive Coverage Plan. Although considered the company's 'basic plan,' Standard Coverage includes an excellent range of systems and appliances for only $50 per month. However, the Comprehensive Coverage Plan includes 33 covered items, which is much more than other home warranties in MI. The Home Service Club allows for customizable service fees of $60, $75 or $95.

Take a more detailed look at HSC’s plans:

  • Standard Coverage ($50 per month): Standard Coverage is a basic home warranty plan with coverage on 18 systems and appliances. The included coverages are air conditioners, ceiling fans, water leaks, electrical system, dishwasher, water heater, refrigerator, trash compactor, central vacuum, oven, and more.  
  • Comprehensive Coverage ($63.00 per month): Comprehensive Coverage offers coverage on all 18 items in the Standard Coverage plan plus nine more. The additional coverages are alarm wiring, phone, toilet, water dispenser, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, and whole house exhaust. Many of these items are typically offered as add ons by other home warranty providers. 
  • Optional add-ons: The Home Service Club offers 11 add-ons including well pump, spa and spa heater, pool, spa, roof leaks, sump pump, free-standing freezer, water softener, and outside service line coverage. The Utilities and Home Service Line package covers the outside gas line, water line, sewer line and sprinkler system.

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying:

“So I heard all about Home Service Club and its packages through my cousin last year. I filed my first claim last week, for the shower. I called their number and was connected to a staff who responded to me in detail. I was able to use the shower again last night. I'll surely recommend them." – Tommy B.

Find out more through The Home Service Club review.

5. Liberty Home Guard: Best Reviewed

Liberty Home Guard is the best-reviewed home warranty company in Michigan and across the U.S. Most people care about reviews before deciding to give their business to a company, a plethora of good reviews often prove a companies trustworthiness. For starters, Liberty Home Guard has an A rating from the Better Business Bureau, stemming from several hundred positive reviews. The company's Google reviews are also mostly positive and that can also be said for the critics’ reception. On top of positive reviews, Liberty Home Guard offers extensive coverage, a extensive list of add-on options, and a strong network of vetted technicians sure to keep your Michigan home protected.

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, Pricing and Coverage

Most customers should appreciate Liberty’s simple naming schemes for their plans: Appliance Guard, Systems Guard, and Total Home Guard. Depending on where you live in Michigan, Liberty's home warranty packages may cost from $60-$80. This easily makes Liberty Home Guard the most expensive company in terms of monthly premiums. However, the amount of coverage and low service fee justify the price point. Appliance Guard only covers appliances and comes in around $69.99 per month, while Systems Guard only covers home systems and is $74.99 per month. Hands down, the best value package is Total Home Guard which covers both appliances and systems for around $79.99. Liberty's service call fee is $75.

Here are Liberty Home Guard's protection plans:

  • Appliance Guard ($69.99 per month): Appliance Guard includes 11 major home appliances. These items include a cap of around $1,600. The included coverages are clothes dryer, clothes washer, refrigerator, cooktop exhaust fan, dishwasher, oven, garage door opener, microwave, ceiling fans, garbage disposal, and refrigerator ice-maker. 
  • Systems Guard ($74.99 per month): Systems Guard covers nine essential home systems and has coverage caps of $1,600-$2,500 per item. The included systems are an electrical system, air conditioner, heating system, bath exhaust fan, ductwork, plumbing, toilet, plumbing stoppages, and water heater. 
  • Total Home Guard ($79.99 per month): Total Home Guard is not much more expensive than Appliance Guard or Systems Guard, but offers double the coverage to Michigan homeowners. With a total of 20 covered systems and appliances, this is the most comprehensive plan options. The value for the price is excellent and you won't regret choosing this option.
  • Optional add-ons: Liberty Home Guard has the longest list of add-on coverages of almost all home warranties in Michigan. Some more unique offerings are re-key service, pest control, gutter cleaning, floor cleaning, lawn sprinkler system, and wine refrigerator.

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$75

Appliance Guard

$74.99

$75

Total Home Guard

$79.99

$75

What Customers Are Saying

"We have had a bunch of claims with Liberty Home Guard. Each time, the customer service representatives we spoke with have done good. Sometimes our issues do require a supervisor and luckily on both instances we had to deal with a supervisor, the manager who was assigned to us, ****** was extremely competent and helpful. Really exceptional customer service each time. On average our claims have been processed within 48 hours and the contractors that are sent are courteous and arrive on time.- Shari F.

Read our Liberty Home Guard Review to learn more information.

6. First Premier Home Warranty: Best Coverage

First Premier Home Warranty offers the best coverage for Michigan homeowners. Established in 2020, First Premier Home Warranty manages to grab our attention with its comprehensive coverage and competitive pricing. 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 and low monthly premium costs. 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, Pricing and Coverage

First Premier Home Warranty only has two plans: Premier and Premier Platinum. While both plans are quite affordable, they suffer from low annual coverage caps. Michiganders with high-end systems and appliances should take note of this. However, the low payout caps come with lower monthly payments. The base Premier plan offers a decent mix of major home systems and appliances and is about $35 per month. However, like with most base plans, several key items are excluded such as the refrigerator and air conditioner. The Platinum plan includes coverage on 19 items for $43 per month. First Premier has a service fee of $75.

Here are more details on First Premier's plan options:

  • Premier Plan ($43 per month): The Premier plan offers coverage on 14 items. Those included are ceiling fan, oven, cooktop exhaust, dishwasher, trash compactor, garbage disposal, ductwork, electrical system, garage door opener, microwave, plumbing system and stoppages, sump pump, and water heater. This plan is extremely affordable and has fair coverage.
  • Premier Platinum Plan ($50 per month): The Premier Platinum plan has 19 covered systems and appliances. This plan covers all 14 items in that Premier plan plus air conditioning, heating system, washer, dryer, and refrigerator. Two of the most important items, air conditioning and heating, have higher coverage limits of $1,500. If you pay annually, you can get this plan for under $44 per month.
  • Optional add-ons: First Premier offers 12 optional coverages including septic, free-standing ice maker, refrigerator ice maker, roof leaks, stand-alone freezer, water softener, septic tank pumping, well pump, central vacuum, lawn sprinkler, spa, and pool coverage.

Plans

Cost Per Month

Service Fee

Gold Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying 

"Extremely pleased with First Premier ! They sent someone down to my home same day service for my washer machine that broke down. Jason was a tremendous help on the phone. Would definitely recommend to all." – Jason L.

Read more on our First Premier Review.

7. Cinch Home Services: Best Workmanship

Cinch Home Services offers the best workmanship guarantee of all home warranty companies in Michigan. 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 30-60 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, Pricing and Coverage

Cinch offers three self-explanatory plans: the Appliances Plan, the Built-In Systems Plan, and the Complete Home Plan. Choosing between these plans is rather convenient if you prefer one type of coverage over the other. Both the Appliances and Built-In Systems plans offer comprehensive coverage for as low as $34.99 and $39.99, respectively. However, the Complete Home is the best value for your money since it covers both appliances and systems and can be as low as $49.99 per month if you choose the $150 service fee. However, the most noteworthy aspect of Cinch’s pricing scheme is its service fees. Starting at $75 and reaching $150, these are some of the most expensive service fees in the industry.

Take a look at Cinch's plan options (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): The Appliance Plan includes coverage on 11 major home appliances including dishwasher, free-standing ice maker, microwave, cooktop exhaust fan, clothes dryer, trash compactor, food center, refrigerator, oven, refrigerator ice-maker, and clothes washer. 
  • Built-In Systems Plan ($51.99 per month): The Built-in Systems Plan covers 21 essential home systems, which is more than most other systems-only policies offer. The included coverages are ductwork, water dispenser, septic tank pumping, cooktop fans, doorbells, toilet, electrical system, heating system, water heater, plumbing, and plumbing stoppages, sump pump, garbage disposal, garage door opener, bath exhaust fans,  spa, central vacuum, smoke alarms, attic fans, whole house fan, and air conditioner. 
  • Complete Home Plan ($61.99 per month):  The Complete Home Plan combines the two other plans to cover a total of 32 systems and appliances. This plan is the most comprehensive and the most popular option for Michigan residents. The Complete Home Plan also comes with a $500 homeowners insurance reimbursement so you can ensure coverage on your entire home.
  • Optional add-ons: Cinch offers three add-ons: pool, septic systems, and well pump. Cinch also offers the Premier Upgrade Package, which includes a $1,000 credit toward unexpected home warranty claims costs.

Plans

Cost Per Month

Service Fee

Appliances Plan

$44.99

$75 - $150

Built-In Systems Plan

$51.99

$75 - $150

Complete Home Plan

$61.99

$75 - $150

What Customers Are Saying

“The entire experience of enrolling with Cinch was very easy. The website is crisp and clear. We haven't needed to use the service yet, but from other reviews I anticipate having no issues."Charles J.

Learn more about Cinch by reading our Cinch Home Services Review.

What is a Home Warranty?

A home warranty is a policy that you can purchase from a provider that will cover the costs of repairing or replacing home systems and appliances. Different home warranty providers offer varying policy options. However, all plans will come with specified covered items, a service fee, a monthly premium, and an annual coverage maximum. Home warranties typically cover plumbing systems, refrigerator, HVAC, washer, dryer, electrical system, cooktop, oven, and built-in microwave. Most home warranty providers also offer additional coverages that can be purchased and attached to your plan. Those coverages are typically pool coverage, spa, well pump, septic systems, lawn sprinkler systems, sump pump, and limited roof leak coverage.

When one of your covered systems or appliances has a breakdown, you will file a claim through your provider's online claims portal or phone number. Once the claim is approved, your provider will set up an appointment for a local contractor to come to your house and assess the problem. If it's covered, you will only have to pay the service call fee for the fix. Typical home warranty service fees range from $60-$150 per visit.

You don't have to be a new homeowner to get a home warranty. seasoned homeowners, real estate agents, and landlords can all buy one. Additionally, new homes, older homes, condos, rental properties, mobile homes and other types of homes can all be covered by a home warranty contract. You should note that homeowners insurance and home warranties are not the same. Your home warranty will not cover damage caused by natural disaster like home insurance will. Home warranties also don't cover damage caused by lack of maintenance, misuse or neglect. 

How to Find the Best 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 and electrical 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 98.50
  • $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 98.00
  • 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 97.60
  • $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 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • 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
  # 7 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported

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.