Best Home Warranty Companies in Michigan (2024)
Home warranty coverage lowers out-of-pocket costs when your appliances and home systems break down. For example, if you’re heating system malfunctions in the middle of a harsh Michigan winter, your home warranty provider will send a reliable technician to repair it and cover the costs, minus your service call fee.
We’ve compared trusted home warranty providers across the country and narrowed down our recommendations for Michigan homeowners. We recommend American Home Shield as our top choice for Michigan homeowners due to its coverage of preexisting conditions and generous coverage caps.
Key Takeaways
- The best home warranty companies in Michigan are American Home Shield, Liberty Home Guard, and Elite Home Warranty, based on our extensive research of 13 home warranty providers.
- A home warranty will cost you $44–$99 per month in Michigan, depending on your provider and coverage.
Did You Know?
- In the last 30 days, more than 2,500 people bought home warranties from the above providers. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
Michigan’s Top 5 Home Warranty Companies
The highest-rated home warranty companies in Michigan include these:
- Best for Comprehensive Coverage: American Home Shield
- Best Customer Support: Liberty Home Guard
- Best for High-End Items: First American Home Warranty
- Best for Customized Coverage: Elite Home Warranty
- Best Budget Plan: Select Home Warranty
The best home warranty companies in Michigan will provide homeowners with coverage for systems and appliances, offer flexible payment options, and have a customer service team willing to help around the clock. Here are our top home warranty picks for Michigan residents.
Comparing the Best Home Warranty Companies in Michigan
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#1 out of 16 companies | #2 out of 16 companies | #3 out of 16 companies | #4 out of 16 companies | #5 out of 16 companies | |
NR | B | B- | B+ | B | |
Monthly Cost |
$49–$59 | $49–$109 | $44–$47 | $44–$59 | $47–$87 |
Service Fees |
$65–$125 | $100–$125 | $60–$75 | $70 | $75–$125 |
Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal |
Response Time |
Up to 48 hours | Up to 48 hours | 48-84 hours | Up to 48 hours | 4–48 hours |
Pros |
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Cons |
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Summary |
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations. |
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes. |
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage. |
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options. |
We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances. |
Promotions |
$200 Off + 2 Months Free + Roof Leak Protection | Black Friday Savings: 50% OFF Select Plans | Use code HOUSE25 for $150 off + 2 months free | Get 50% Off Any Plan Plus Your First Month Free! | $100 Off with Code “PROTECT” |
Rating Categories |
Liberty Home Guard | American Home Shield | Select Home Warranty | Elite Home Warranty | First American Home Warranty |
Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Customer Support |
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Flexibility |
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,471-square-foot, single-family home in Ann Arbor, Michigan. Your pricing may vary depending on your home’s location, size, type, and plan selections.
What Is a Home Warranty?
Check out the video below to learn what a home warranty is, what it covers, and how to choose a home warranty.
Reviews of the Best Home Warranty Companies in Michigan
How Are Home Warranties Regulated in Michigan?
Our research shows there isn’t a clear governmental body that oversees home warranty regulation. Michigan’s Department of Insurance and Finacial Services (DIFS) doesn’t classify service contracts as insurance, meaning the DIFS won’t enforce jurisdiction on service contract companies. However, the Joe Gagnon Appliance Repair Act gives Michigan homeowners additional protection when requesting appliance repair services from a service provider.
Michigan’s Attorney General’s Office also accepts complaints should your home warranty company neglect its contractual obligations. You can fill out the complaint form online.
How Much Does a Home Warranty Cost in Michigan?
On average, expect to pay $56 monthly for a Michigan home warranty plan. You’ll pay roughly $672 per year if you prefer an annual premium. These cost figures only include the coverage plan premium, not the service call fee.
Your total cost can vary significantly since most companies charge a service fee each time you request service. For example, if your home warranty company charges a $100 service call fee and you file three claims that year, you’ll pay an additional $300 plus your coverage plan cost.
We recommend doing a cost and benefits analysis to confirm whether the value of the home warranty meets or exceeds the cost of owning it. A home warranty may not be worth it if you own a new construction with brand-new systems and appliances, but it’s important to explore the benefits of a home warranty for new construction to make an informed decision.
- Read more: Overview of Home Warranty Pricing
What’s Covered Under a Michigan Home Warranty?
A home warranty will cover systems and appliances like your air conditioning, electrical, water heater, plumbing, refrigerator, dishwasher, clothes washer, and dryer that break down due to normal wear and tear. Most home warranty companies will also provide optional coverage for items like your pool, spa, septic tank, and well pump.
Factors To Consider Before Buying a Michigan Home Warranty
- Due to Michigan’s harsh winters, it makes sense to consider a home warranty that provides generous HVAC coverage.
However, your needs will dictate which coverage plan will work best for you. Here are some key points to consider when purchasing a home warranty:
- Claims process: Confirm with a home warranty company that it accepts claims outside normal business hours. Most companies accept claims 24/7 but won’t send a service provider until the next business day. Knowing this can prevent unrealistic expectations.
- Item condition: Ensure the items you want covered are in proper working condition. Most home warranty companies won’t approve a claim if they discover your items have preexisting conditions.
- Type of coverage: Determine what coverage you need before signing up with a home warranty provider. For instance, if you only need major appliance coverage, purchase a basic appliance-only plan from a company. Doing so can reduce your monthly premium.
Expert Takes on Home Warranties
We supplemented our home warranty research by sourcing experts across various industries associated with home warranties. We then asked them to answer common questions consumers ask about home warranties. Here are their answers:
- Do home warranties provide reimbursement options? According to Kurt Walker, who is associated with Mill City Home Buyers, some home warranty companies offer a cash payout in cases where a covered item requires replacement. “However, you must be aware that the cash payout might not cover the cost of replacement,” he warns.
- How can I tell if a home warranty company is reputable? Peter Evering, a business development manager at Utopia Property Management, says, “Reading customer reviews and ratings can provide insights into the experiences of other homeowners and help you gauge the level of customer satisfaction.”
- Why should I buy a home warranty? – Marcus Fernandez, attorney and co-owner of Kinney, Fernandez, and Boire Law, recommends combining a home warranty with your home insurance plan. “They go beyond what your homeowners insurance covers by catering to the inevitable wear and tear of home systems and appliances, which typically isn’t covered by insurance,” he says.
Annual Home Warranty Cost Calculator
Our team created a calculator to break down the estimated annual cost of owning a home warranty. Enter your monthly premium, service call fee, and estimated number of claims to see your projected annual cost. It’s best to request a quote directly from one of our recommended providers, as annual costs and service fees vary between them.
Note: The annual cost figure generated by our home warranty calculator is not an indication of a company’s actual plan cost, as annual costs and service fees vary based on your plan selections and your home’s size, type, and location.
Appliance | Average Repair Cost | Average Replacement Cost |
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Dehumidifier | $50–$200 | $1,300–$2,800 |
Microwave | $50–$400 | $60–$2,000 |
Dishwasher | $50–$500 | $400–$3,000 |
Exhaust Fans | $16–$300 | $250–$950 |
Electric Range | $100–$500 | $230–$3,000 |
Gas Range | $100–$500 | $230–$3,000 |
Dryer | $100–$400 | $450–$2,300 |
Oven | $100–$430 | $400–$3,000 |
Washer | $50–$450 | $400–$2,300 |
Freezer | $90–$500 | $160–$2,900 |
Refrigerator | $40–$350 | $200–$5,000 |
Our Final Take on Michigan Home Warranty Companies
Each of the providers listed in this review has a defining feature that makes them competitive in the home warranty market. American Home Shield offers comprehensive coverage, Liberty Home Guard provides more than 30 unique add-on coverage options, and First American Home Warranty provides generous appliance coverage. Before you purchase a home warranty, get a free quote from all three providers to compare coverage and pricing.
Other Resources for Residents in Michigan
Frequently Asked Questions
What other home warranty companies are available in Michigan?
While Liberty Home Guard, American Home Shield, and First American Home Warranty are the best home warranty companies in Michigan, they aren’t the only companies that provide coverage for major systems and appliances. Other top providers include The Home Service Club, Select Home Warranty, and America’s First Choice Home Club.
Who needs a Michigan home warranty?
First-time homebuyers, mobile-home owners, real estate agents, and home sellers can all benefit from buying a home warranty. Not only does a home warranty provide peace of mind if a system or appliance breaks down, but it also covers unexpected repair or replacement costs.
Our Rating Methodology
We back up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.