We may be compensated if you purchase through links on our website. Our Reviews Team is committed to delivering honest, objective, and independent reviews on home products and services.More

Best Home Warranty Companies in Michigan (2024)

Author Image Written by Dana Getz + 1 other Reviewed by Michael Mansueto Updated 11/07/2024

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

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:

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

Liberty Home Guard
Visit Site
American Home Shield
Visit Site
Select Home Warranty
Visit Site
Elite Home Warranty
Visit Site
First American Home Warranty
Visit Site

Overall Score

4.4 / 5 4.8 / 5 3.7 / 5 4.6 / 5 4.6 / 5

BBB Rating

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

  • Extensive add-on catalog
  • 60-day workmanship guarantee
  • Accessible customer support
  • High coverage caps
  • Preexisting coverage included
  • Bonus discounts on maintenance services
  • Low-cost plan options
  • High HVAC coverage
  • Free roof leak protection
  • Higher coverage for high-end appliances
  • 90-day workmanship guarantee
  • Service call fee rolled into annual premium
  • Unlimited system coverage
  • Solid add-on catalog
  • Optional upgrade for preexisting condition coverage

Cons

  • Reviews mention low claim payouts
  • Low coverage caps for electrical and plumbing
  • Higher costs for comprehensive coverage
  • Smallest add-on catalog
  • Low coverage caps for other items
  • No service call fee flexibility
  • Higher service fee for high-end appliance repairs
  • No workmanship guarantee on repairs by out-of-network technicians
  • No AC coverage in the lowest plan
  • Excludes essential appliances from its lowest plan

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 40% Off Home Warranty Plans 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

2.9 / 5
4.8 / 5
2.1 / 5
3.4 / 5
4.9 / 5

Value

4.8 / 5
3.3 / 5
4.8 / 5
4.3 / 5
3.3 / 5

Trustworthiness

4.3 / 5
3.7 / 5
3.7 / 5
4.7 / 5
4 / 5

Plan Transparency

2.5 / 5
5 / 5
2.5 / 5
3 / 5
2.5 / 5

Customer Support

4.5 / 5
4 / 5
3 / 5
3.5 / 5
2.8 / 5

Flexibility

3.5 / 5
2.5 / 5
2.5 / 5
4.5 / 5
3 / 5

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.


Why Trust Us? Our review and rating process for the best home warranty companies
13
Companies Considered We carefully considered 13 companies to find the best home warranty providers available.
2000
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
5700
Reviews Analyzed We went through 5,700 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Reviews of the Best Home Warranty Companies in Michigan

American Home Shield

Best for Comprehensive Coverage
4.8 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly Cost: $49–$99

American Home Shield (AHS) is a veteran in the home warranty industry and has been in business for nearly 50 years. American Home Shield provides coverage for items with preexisting conditions and generous coverage caps. AHS also includes coverage for improperly maintained or installed items, making it a solid provider for older homes.

Note: American Home Shield is not available in the following states, but click on the following links to find the best home warranty companies in Alaska and Hawaii

Why We Chose American Home Shield

We consider AHS to be the best provider for comprehensive coverage due to its three coverage plans, multiple service call fees, and solid industry reputation. It covers several things other companies don’t, such as rust damage and improper installations.

We thoroughly read American Home Shield’s sample contract and found it applies a $2,000 limit per covered appliance in its ShieldGold plan. It doubles its coverage cap to $4,000 per covered item in the ShieldPlatinum plan.

AHS coverage plans provide extensive coverage; even its basic plan, ShieldSilver, covers your HVAC system. Its multiple service call fees allow you to customize your monthly premium to fit your budget.

Pros and Cons

Pros Offers 24/7 customer service Includes generous coverage caps on major systems and appliances Provides optional coverage for guest units and electronics Cons Doesn’t offer many optional add-ons

Plans and Pricing

AHS offers the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldSilver covers major appliances, while the ShieldGold adds appliance coverage. The ShieldPlatinum plan covers all 23 items in the ShieldSilver and ShieldGold, roof-leak coverage and an annual HVAC tune-up. More details on AHS plans can be found in the American Home Shield sample contract directory.

AHS allows you to pull a quote by calling a representative or using its online tool. When we used AHS’s quote tool, it allowed us to choose a service call fee of $100 or $125. AHS states that a higher service call fee will result in a lower monthly premium and vice versa. All AHS plans come with a 30-day workmanship guarantee.

While pulling our quote, we discovered that AHS only offers monthly premium options. It doesn’t include an annual premium like other providers on this list.

Here are details on each of American Home Shield’s plans:

  • ShieldSilver: Covers home systems, such as heating, cooling, and electrical
  • ShieldGold: Covers major systems and appliances, such as air conditioning, roof leaks, and plumbing
  • ShieldPlatinum: Covers systems and appliances and adds additional benefits, such as $1,500 for roof-leak repairs
  • Optional add-ons: Electronics, pools/spas, guest units, septic pumps, and well pumps. Based on the quote we pulled, we found that AHS offers competitively priced add-ons. For example, septic pump coverage costs an extra $5 per month.

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$49.99–$59.99

$100–$125

$5000

ShieldGold

$59.99–$69.99

$100–$125

Systems: $5,000
Appliances: $2,000

ShieldPlatinum

$79.99–$99.99

$100–$125

Systems: $5,000
Appliances: $4,000

Liberty Home Guard

Best Customer Support
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly Cost: $49–$59

Liberty Home Guard (LHG) offers coverage for two air conditioning and HVAC systems per service contract, whereas other providers cover second systems as an add-on. LHG also offers great coverage customizability with more than 30 unique add-on coverage options, plus exclusive discounts for select home appliances.

Why We Chose Liberty Home Guard

It has the best customer ratings of any home warranty provider on this list, holding an A rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.

Our team spoke with multiple customer representatives to learn how LHG handles customer inquiries. Based on our experiences, it holds up to its stellar ratings, with each representative picking up the phone in under one minute and answering all of our questions thoroughly.

Pros and Cons

Pros Extends a 60-day workmanship guarantee for completed repairs Offers more than 30 unique add-on coverage options Covers up to $2,000 per covered item Cons Lacks initial transparency regarding service call fee range Requires you to file a claim as soon as an issue is discovered

Plans and Pricing

LHG provides three plans for your home protection needs: the Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard covers nine major appliances. The Systems Guard protects six major systems, and the Total Home Guard combines appliance and systems coverage into one comprehensive plan. More details on each plan can be found in the Liberty Home Guard sample contract

LHG plans range from $49 to $60 per month. Its service call fee range of $65 to $125 per filed claim is assigned based on your home’s size, location, and type as well as your plan selection.

Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online. 

Here are details on LHG’s plans and optional add-on coverage:

  • Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
  • Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
  • Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
  • Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, a representative informed us that pest control coverage costs an extra $15 monthly.

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

First American Home Warranty

Best for High-End Items
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly Cost: $45–$85

First American Home Warranty (FAHW) has more than 30 years of home warranty experience and has served more than 590,000 customers.

Note: First American Home Warranty is not available in the following states, but click on the following links to find the best home warranty companies in AlaskaConnecticutDelawareHawaiiIllinois, Louisiana, MaineMassachusettsMinnesotaNew HampshireNew YorkNorth DakotaRhode IslandVermont, and Wisconsin.

Why We Chose First American Home Warranty

If you own high-end appliances, First American is a solid choice due to its high appliance coverage caps. After reading its sample contract, we found First American pairs each appliance with a $3,500 limit in the Starter and Essential plans, which is higher than other providers. Its Essential and Premium plans offer the First American Advantage upgrade, which protects systems and improperly maintained, modified, or installed appliances—a rarity in the home warranty business. You can read our full review of First American Home Warranty to learn more. 

Pros and Cons

Pros Offers generous roof-leak repair coverage Extends a 30-day, money-back guarantee Provides flexible payment options Cons Doesn’t include air conditioning coverage in Starter plan Charges a $2 handling fee when selecting monthly premiums

Plans and Pricing

First American offers three plans: the Starter Plan, Essential Plan, and a Premium Plan. The Starter and Essential plans cover a variety of home appliances and systems, such as microwaves, garbage disposals, and refrigerators. First American pairs both plans with a $3,500 coverage cap per covered appliance. The Premium Plan increases its appliance coverage caps to $7,000 per appliance and covers additional systems and appliances.

You can expect to pay between $47 and $87 per month for First American coverage. In addition, it allows you to choose from a $75, $100, and $125 service call fee.

First American Home Warranty also offers an annual premium. Annual plan costs range from $540 to $1,040. Unlike other providers that offer annual premiums, First American doesn’t include extra months of coverage or a discount if you choose an annual premium. First American provides an online quote tool or a sales phone line to pull a free quote. You can also find more details on First American plans in the First American Home Warranty sample contract.

Here are more details about First American’s plan coverage:

  • Starter Plan: Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms
  • Essential Plan: Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage door openers, trash compactors, and water heaters
  • Premium Plan: Covers all items in the Essential Plan plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units
  • Optional add-ons: Additional refrigeration, air conditioning for Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps. First American offers limited roof-leak coverage for less than $9 per month.

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$45–$62

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$57–$72

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$72–$85

$75–$125

Systems: Remain the same Appliances: $7,000

Elite Home Warranty

Best for Customized Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly cost: $44–$58

We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 27 add-on options.

Pros and Cons

Pros Includes a 90-day workmanship guarantee for completed repairs Offers higher coverage limits for high-end appliances Rolls your service call fee into your annual premium, avoiding a per-claim charge Cons Charges a higher service call fee for high-end appliance repairs Excludes workmanship guarantee on repairs done with an out-of-network technician Requires you to call for a quote

Plans and Cost

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.

We recommend reading through the sample contract or getting a quote for full details on coverage caps. 

Below are the details of Elite’s coverage plans:

  • Elite Appliances: The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit. 
  • Elite Systems: This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.  
  • Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection. 

Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.

More details on Elite’s plans and pricing can be found in the table below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per Item

Elite Systems

$49.99

$70

Varies per Item

Elite Complete

$58.99

$70

Varies per Item

Elite offers 27 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term. 

We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:

  • Annual maintenance
  • Drainage, sewer, and water service lines
  • Pool and spa equipment
  • Geothermal heating and cooling systems
  • Guest house
  • Septic system

Our Experience with Elite Home Warranty

One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Here’s a summary of his experience:

  • He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
  • He received a next-day appointment for his repair. 
  • The technician arrived on the assigned day but realized the repair would require out-of-stock parts. 
  • After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning.
  • The technician completed the repairs within an hour.

Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.

Select Home Warranty

Best Budget Plan
3.7 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Monthly Cost: $44–$47

Select Home Warranty is another solid choice for Michigan homeowners who value comprehensive HVAC coverage at an affordable price. It provides a $3,000 coverage cap for heating and air conditioning systems, a low $75 service call fee, and plans for less than $50 per month. Select also includes roof-leak repair coverage up to $400 per year in each plan it offers.

Note: Select Home Warranty is not available in the following states, but click on the following links to find the best home warranty companies in NevadaWisconsin, and Washington

Why We Chose Select Home Warranty

It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.

Pros and Cons

Pros Provides a generous coverage cap of $3,000 for HVAC systems Allows claims to be filed within two days (rather than as soon as discovered) Includes roof-leak coverage in every plan (up to $400 annually) Cons Includes roof-leak coverage in every plan (up to $400 annually) Excludes coverage for items with preexisting conditions

Plans and Pricing

Select provides coverage for your home’s systems and appliances via its Bronze Care, Gold Care or Platinum Care plan. The Bronze Care plan covers eight major appliances and the Gold Care plan covers six major systems. The Platinum Care plan includes all 14 systems and appliances plus plumbing stoppages and garage-door openers coverage.

Select charges a $60–$75 service call fee per claim. Our team discovered via secret-shopping that Select offers its lower service call fee as an over-the-phone deal only. 

After reviewing Select’s sample contract, we found it provides a $3,000 cap for HVAC systems. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.

Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.

Here are more details about Select Home Warranty’s plans:

  • Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
  • Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
  • Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
  • Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same


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.


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.

ApplianceAverage Repair CostAverage Replacement Cost
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 ClubSelect 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.