Best Home Warranty Companies in Michigan (2025)

•  Offers frequent promotional deals that can help lower plan costs
•  Extends higher coverage limits than most competitors, including up to $4,000 for appliances 
•  Covers undetectable preexisting conditions, rust, and corrosion

Keep in Mind

• Rates may fluctuate more than with some competitors
• Charges higher service call fee rates, with two options of $100 or $125

American Home Shield (AHS) is the only provider on this list that offers comprehensive coverage of preexisting conditions, or issues you didn’t notice before enrolling in coverage, including rust, corrosion, and sediment damage. This is a rare feature that could help you save on repairs, and every other company on our list excludes these damages. AHS also offers three plans that include home systems coverage, each with $5,000 limits on your HVAC system. This is a benefit for Michigan homeowners worried about the impact of seasonal weather on their heating and cooling systems.

While the ShieldSilver and ShieldGold plans are more affordable at $30 and $50, respectively, the highest-tier ShieldPlatinum plan is more pricey. At $80 per month, it’s one of the most expensive plans on our list. However, it includes appliance and system coverage with roof leak repairs, one free HVAC tune-up, unlimited AC refrigerant, and code violations and permits.

• No pre-set coverage caps for home systems, based on our review of a sample contract
• Offers three plans that cover essential home systems such as plumbing and electrical
• Replaces items for free if a repair isn’t possible 

Keep in Mind

• Doesn’t offer appliance-only or system-only plans
• May charge higher prices than other companies on our list 

First American Home Warranty has plenty of perks, but what really sets it apart is its coverage limits. First American covers up to $3,500 per appliance on its basic protection plans, which increases to $7,000 if you purchase the Premium Plan. This limit is higher than other providers on our list. With such high limits, customers can have peace of mind that they won’t have to dig into their own pockets for unexpected repair costs, even for luxury appliances. However, the company doesn’t have any pre-set coverage limits for most home systems, which essentially means as long as the item is covered, the company will fix it no matter the cost. 

First American also offers a guarantee that if the company can’t repair your item, it’ll replace it for free. However, each of its plan options includes a mix of major appliances and home systems, so you can’t just cover one or the other. You also have to upgrade to the Essential Plan to cover basic items, such as air conditioning units, washers, and dryers, which could end up costing you a lot more in the long run because of higher monthly pricing.

• Members can choose their own technicians
• Charges lower service fees than most competitors, with options for $75–$125
• Features the longest workmanship guarantee in the industry that lasts the length of your plan

Keep in Mind

• Doesn’t cover unknown preexisting conditions, unlike competitors such as AHS
• Rates varied depending on when our team requested a quote

AFC Home Warranty offers several perks that competitors don’t always match, including a lifetime workmanship guarantee and letting customers choose their own technician. While these features may not seem as important as a low monthly rate or high coverage limits, they can add value to your plan. With a lifetime workmanship guarantee, customers pay one service fee deductible, and if the same malfunction happens again during their contract term, AFC Home Warranty will fix it for free. Also, choosing your own technician means you can pick a local contractor you trust instead of the company providing you with one from its network.  

However, AFC Home Warranty doesn’t offer the Silver Plan in Michigan, so if you are looking for cheaper, minimal home warranty coverage, the Gold Plan is as affordable as it gets. Additionally, AFC Home Warranty’s prices vary by location—and can also vary based on when you get a quote. In just a 24-hour period, we received two different quotes for the same address. One ranged from $45–$84, while the other ranged from $42–$80.

• Charges a $70 flat-rate service fee, one of the lowest in our review 
• Allows customers to customize their own plan from scratch
• Maintains a large number of positive customer reviews online

Keep in Mind

• Customers must speak with a representative to get a quote, rather than doing so online
• Charges higher service call fees for some appointments, including weekend visits

The main feature that sets Elite Home Warranty apart from its competitors is its “Customize Your Own” plan, which lets you choose which major home appliances and systems you want covered. Because the plan is completely customizable, you only pay for the coverage you want. Another benefit is Elite’s flat-rate $70 service fee, which you owe each time you need a repair appointment. This is one of the lowest fees in the industry, whereas most companies average around $100–$125.

However, one of the drawbacks of Elite Home Warranty is its quote process. You have to call and speak to a representative to get a free quote since you can’t do it online. Every other service provider on this list allows customers to get a quote online within minutes. If you want to bypass the sales pitch and stick to digital communications, Elite may not offer the easiest process.

• Offers a list of 42 add-on coverage options, more than any other company on our list
• Charges affordable prices for full coverage plans with both systems and appliances
• Has unique customer service features, such as a 24/7 live chat 

Keep in Mind

• Has more coverage exclusions than some competitors, including preexisting conditions 
• Includes lower coverage caps than competitors, notably on plumbing and electrical systems 

Liberty Home Guard (LHG) offers some of the cheapest home warranty plans on our list, and its monthly rates remain consistent throughout Michigan, based on quotes we received. The Total Home Guard plan is typically $60 a month, which is a reasonable deal for full comprehensive coverage. Additionally, LHG is the only company on our list to offer 24/7 live-chat support, which is convenient for navigating issues with your claims.

One of the biggest perks of choosing LHG is its long list of add-on coverage options, with 42 options available compared to the industry average of 10–12. The company’s add-on options include electronics coverage, gutter cleaning, roof leak protection, and power washing. However, most add-ons cost an extra $10 a month or more, so your monthly bill can increase quickly depending on how many you purchase.