Best Home Warranty Companies in Michigan (2024)

By Jesus Sanchez Garcia | March 4, 2024

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Whether you’re a native Michigan homeowner or a new homeowner in the Wolverine State, a home warranty provides peace of mind when a home system or appliance breaks down. Our team compared the best home warranty companies in the nation and selected the top providers available in Michigan. We analyzed each provider’s coverage limits, plan options, and additional perks before making our recommendations.


The Top 5 Home Warranty Companies in Michigan

Here is our list of recommended Michigan home warranty companies:

Note that all pricing information used in this article is based on a single-family home (smaller than 5,000 square feet) in Birmingham, Michigan. Your pricing may vary depending on your home’s size and type, your location, and your plan and add-on coverage options.


Compare Michigan’s Top Home Warranty Companies

Providers
Best For
BBB Rating
Monthly Cost
Service Fee
Best for Extensive Coverage
B
$40–$80
$100–$125
Best Add-On Variety
NR
$49–$60
$65–$125
Flexible Coverage
A+
$55–$75
$70
Best Budget Coverage
B
$44–$48
$65–$75
Best for Systems Coverage
B
$45–$70
$75–$125
Star Rating Monthly Cost Service Fee BBB Rating Link
American Home Shield American Home Shield
$40–$80 $100–$125 B VISIT SITE
Liberty Home Guard Liberty Home Guard
$49–$60 $65–$125 NR VISIT SITE
Elite Home Warranty Elite Home Warranty
$55–$75 $70 A+ VISIT SITE
Select Home Warranty Select Home Warranty
$44–$48 $65–$75 B VISIT SITE
First American Home Warranty First American Home Warranty
$45–$70 $75–$125 B VISIT SITE
American Home Shield
Logo American Home Shield
Star Rating
Monthly Cost $40–$80
Service Fee $100–$125
BBB Rating B
VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Star Rating
Monthly Cost $49–$60
Service Fee $65–$125
BBB Rating NR
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Star Rating
Monthly Cost $55–$75
Service Fee $70
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Star Rating
Monthly Cost $44–$48
Service Fee $65–$75
BBB Rating B
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Star Rating
Monthly Cost $45–$70
Service Fee $75–$125
BBB Rating B
VISIT SITE

American Home Shield

Coverage Overview

American Home Shield (AHS) is our top company for Michigan residents who need total home protection. AHS provides three coverage plans and two service call fees. You can select from a $100 or $125 service call fee per filed claim. The higher your service call fee, the less you pay per month.

AHS pairs its ShieldSilver and ShieldGold plans with a $5,000 coverage cap per covered system and $2,000 per covered appliance. It bumps up its appliance coverage limit to $4,000 in its ShieldPlatinum plan.

Plans

Here is a coverage and pricing breakdown for American Home Shield’s protection plans:

ShieldSilver ($69.99–$79.99 per month): The ShieldSilver covers doorbells and chimes, garage-door openers, ceiling fans, ductwork, attic and built-in exhaust fans, faucets, toilets, whirlpool tub motor components, water heaters, heating units plus interior electrical lines, main breaker, and fuse panel boxes, plumbing, air conditioning and heating systems, plumbing stoppages, and interior plumbing lines. 

ShieldGold ($89.99–$99.99 per month): The ShieldGold includes everything in the ShieldSilver plus built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, instant cold and hot water dispensers, ovens, cooktops, ranges, and refrigerators.

ShieldPlatinum ($119.99–$129.99 per month): The ShieldPlatinum covers all items in the ShieldGold plus roof-leak coverage, code violations, plumbing system modifications, and refrigerant recapture.

Read more: American Home Shield Review


 

Liberty Home Guard

Coverage Overview

Liberty Home Guard (LHG) provides customizable coverage, solid customer service, and competitive pricing. Liberty Home Guard provides a 24/7 live-chat feature on its website, which connects you to a representative quickly. It also extends a 60-day workmanship guarantee for all completed repairs; most providers offer a 30-day workmanship guarantee. In addition, LHG includes a $2,000 coverage cap per covered item and add-on for each plan.

Liberty Home Guard assigns your service call fee, which ranges between $65 and $125, based on your home’s type, size, location, and plan and add-on selections.

Plans

Here is a coverage and pricing breakdown for Liberty Home Guard’s three protection plans:

Appliance Guard ($49.99 per month): The Appliance Guard covers 12 major appliances. Covered appliances are built-in microwave ovens, ceiling and exhaust fans, clothes washers and dryers, dishwashers, garage-door openers, garbage disposals, ranges, ovens, cooktops, and refrigerators with built-in ice makers. 

Systems Guard ($54.99 per month): The Systems Guard covers six essential home systems: water heaters, air conditioning, ductwork, heating, electrical, and plumbing systems. In addition, LHG provides coverage for a second air conditioner or HVAC system in its standard coverage. Most providers only offer coverage for an extra unit as an add-on.

Total Home Guard ($59.99 per month): The Total Home Guard covers all items listed in the Appliance Guard and Systems Guard.

Read more: Liberty Home Guard Review


Select Home Warranty

Coverage Overview

Select Home Warranty is a decent choice for those who need basic home repair coverage. Select offers systems-only and appliance-only plans for less than $45 per month. In addition, Select includes roof-leak repair coverage in each plan, up to $400 per claim.

Regarding customer service, our team found several consumer reviews on third-party review sites stating that Select is difficult to get ahold of for claims processing or coverage changes. That said, Select is a decent provider if you only need one or two home items covered. 

Plans

Here is a coverage and pricing breakdown for Select Home Warranty’s plans:

Bronze Care ($44.42 per month): The Bronze Care protects major appliances such as built-in microwaves, clothes washers and dryers, dishwashers, garbage disposals, ovens, refrigerators, and stovetops. Select limits appliances to $500 per filed claim. 

Gold Care ($44.42 per month): The Gold Care plan covers major systems such as ductwork, water heaters, and cooling, heating, plumbing, and electrical systems. Select pairs air conditioning and heating systems with a $3,000 coverage cap. It limits the remaining home systems to $500 per filed claim.

Platinum Care ($47.75 per month): The Platinum Care plan combines all systems and appliances listed in the Bronze Care and Gold Care plans.

Read more: Select Home Warranty Review


AFC Home Warranty

Coverage Overview

AFC Home Warranty provides solid appliance coverage and an unlimited workmanship guarantee that extends to your plan’s length for all completed repairs. In addition, AFC allows you to select your service provider

AFC Home Warranty offers variable coverage limits. For example, it pairs covered appliances with a $3,000 coverage cap, whereas air conditioning systems have an unlimited coverage cap. Read through AFC’s sample contract to know its exact terms of coverage.

Plans

Here’s a coverage and pricing breakdown for AFC Home Warranty’s four plan options:

Silver Plan ($43.00–$48.50 per month): The Silver Plan covers home appliances such as clothes washers, clothes dryers, dishwashers, garage-door openers, garbage disposals, ovens, ranges, stovetops, and refrigerators.

Systems Plan ($51.25–$56.83 per month): The Systems Plan covers major systems, such as ductwork, air conditioning, electrical, plumbing, heating systems, and water heaters

Gold Plan ($59.58–$65.17 per month): The Gold Plan covers every item listed in the Silver and Systems plans.

Platinum Plan ($65.17–$70.67 per month): The Platinum Plan covers Gold Plan items, plus built-in microwaves, faucets, ice makers, and plumbing stoppages.

Read more: AFC Home Warranty Review


First American Home Warranty

Coverage Overview

First American Home Warranty offers comprehensive coverage for home appliances. Its Starter and Essential plans pair a $3,500 coverage cap per appliance, and its Premium Plan includes a $7,000 limit. Additionally, First American provides monthly premium flexibility via three service call fees. Your premium lowers if you select a higher service call fee, and vice versa.

First American provides additional coverage for appliance removal, code violations, and more with its First American Advantage add-on. It includes this add-on in its Essential and Premium plans.

Plans

Here is a pricing breakdown for First American’s home warranty coverage plans:

Starter Plan ($45–$62 per month): The Starter Plan covers systems and appliances. Covered items are built-in microwaves, dishwashers, ductwork, electrical, heating, and plumbing systems, kitchen range hoods, ovens and cooktops, plumbing stoppages, refrigerators, and toilet tanks with bowls and mechanisms. Note that air conditioning is only available as an add-on to the Starter Plan. First American provides an unlimited coverage cap per covered system in this plan.

Essential Plan ($55–$70 per month): The Essential Plan covers every item listed in the Starter Plan, plus air conditioning, ceiling fans, attic fans, exhaust fans, clothes washers and dryers, garage-door openers, the First American Advantage upgrade, trash compactors, and water heaters. First American pairs the Essential Plan with the same coverage limits as the Starter Plan, except for water heaters. It limits water heaters to a $1,000 cap.

Premium Plan ($70–$85 per month): The Premium Plan covers Essential Plan items, including central vacuum systems, faucets, full garage-door systems, instant hot water dispensers, luxury appliance coverage, shower heads, shower arms, and window air conditioning units.

Read more: First American Home Warranty Review


Home Warranty Regulations in Michigan

Michigan separates home warranty, or service contract, regulation from insurance regulation. Home services are referenced in the Michigan Consumer Protection Act. If you have a home warranty and believe your provider has not honored your contract, you can file a complaint with the Michigan Attorney General’s Office. 

Alongside government regulation, home warranties self-regulate themselves via industry associations. For example, the National Home Service Contract Association (NHSCA) is a nonprofit industry trade organization consisting of member companies that establish rules regarding ethical business practices. The NHSCA routinely monitors member companies to ensure they are compliant.


Our Recommendation

A home warranty takes the guesswork out of finding a reputable technician who can resolve your issue. Simply request service via a claim, and your provider will send a qualified technician to assess and fix the problem. 

American Home Shield is our top provider recommendation. Its generous coverage limits and flexible plan options provide peace of mind. Other recommended providers are Liberty Home Guard and First American Home Warranty. Before signing up, we recommend pulling quotes from three providers to compare coverage options, costs, exclusions, and limitations.


Michigan Home Warranty Companies FAQ

How much does a home warranty cost in Michigan?

A home warranty policy in Michigan costs an average of $66.87 per month. A basic plan typically costs less than a more comprehensive plan. Your monthly premium will vary depending on which provider you choose, your home’s location, and your selected plan. 

What does a home warranty cover?

A home warranty covers the cost of repairing or replacement when your home’s system or appliance breaks due to normal wear and tear. The most common types of covered items are heating and cooling systems, ductwork, electrical and plumbing systems, built-in microwaves, cooktops, clothes washers and dryers, dishwashers, ovens, refrigerators, and trash compactors.

How is a home warranty different from a homeowners insurance policy?

A home warranty primarily covers your home’s systems and appliances when they break down due to normal wear and tear. On the flip side, a homeowners insurance policy covers the structure of your house and its contents should a covered peril occur. For example, if your deck catches fire, your homeowners insurance would cover it. If your air conditioner stops blowing cold air, your home warranty would cover it. 

Are home warranties worth it on older homes?

Yes, a home warranty is worth considering for an older home. Older homes typically have aged appliances and home systems, which are more likely to break down from wear and tear. The exception is if your home systems and appliances have preexisting conditions, as many providers exclude these. 

What is a preexisting condition in a home warranty?

A preexisting condition is a term used in the home warranty industry to describe a breakdown of a home system or appliance that took place before coverage began. Most providers do not cover preexisting conditions. However, some providers, such as American Home Shield and Cinch Home Services, do offer coverage for preexisting conditions.


 

How We Chose the Top Home Warranty Providers

Our team reviewed and researched dozens of home warranty providers, thoroughly analyzed sample agreements, and identified customer pain points based on our analysis of customer reviews and interviews with industry experts. Our in-depth methodology outlines our review process to provide transparent information about the companies we review.

We determined that the following factors are the most important when comparing home warranty companies: available plans, plan coverage, price range, industry reputation, customer support, and additional features. Our research supported that plan coverage, customer service, and industry reputation should carry the most weight. While important, the other factors should not have as much influence when choosing a home warranty provider.