You may be feeling uneasy about purchasing a home warranty policy, and that’s understandable. Home warranty companies don’t have the best reputation, primarily because contract loopholes can prevent you from getting your claims covered. Home warranties cover damage on the things inside your home, like your appliances and home systems (electrical, plumbing, heating, etc.), but there are ALWAYS exclusions to the coverage. Remember, these companies exist to make money, and they often don’t cover as much as you’d like them to. On the other hand, some home warranty policies can still be extremely beneficial to homeowners, especially in Michigan, where if the heat goes out in the middle of winter, you’re in some serious trouble. If you don’t have thousands saved up in case something breaks, a home warranty can be a more practical way to pay for repairs and replacements without a large up-front cost.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
American Home Shield Logo
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Limited Time:
Limited Time Offer: 50% Off
Best Value
select home warranty logo
VISIT SITE
Limited Time:
$150 Off (Code HOUSE25)
Best Customer Ratings
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Limited Time:
$150 Off + 1 Month Free

I’ve researched the best home warranty companies in Michigan and used Today’s Homeowner’s specific review criteria to rank these providers. While secret shopping, I attained warranty quotes from all companies for a two-bedroom home in Grand Rapids, thoroughly reviewed sample contracts, and scoured the internet for the most accurate customer reviews. I’ve ranked each company according to important factors like their plans, coverage, affordability, reputation, customer service, and more. Read on to see what these companies have to offer and how they stack up against the competition.

Today’s Homeowner Tips
I always get follow-up texts and calls from home warranty providers after getting a quote, usually checking to see if I’m still interested and letting me know about new promotional discounts. Unless there’s a limited-time deal going on, I recommend waiting several days or even weeks to see if your top company reaches out and offers you a better rate.
Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.

Table of Contents

    Top 5 Michigan Home Warranty Companies

    Liberty Home Guard: Best For Customization
    Highlights
    • I’ve researched a lot of home warranty providers, but Liberty Home Guard is the best and most well-rounded, in my opinion. Its add-ons and emergency services give it a leg up on the competition, and its positive consumer reviews are the best I’ve come across, making it a clear, reliable choice. I also like that its rates are consistent throughout the whole country, so you won’t have to deal with any price hikes if you end up moving to a different state. If you’re not sure where to begin your search for a home warranty provider, I recommend Liberty.
    • Before purchasing a home warranty policy, get quotes from several companies and always read the entire sample contract, especially the exclusions and coverage limits. These documents may be dense, but this step is crucial. Read carefully because there are always details in the fine print to look out for. For example, most home warranty providers don’t cover damage caused by weather. Since Michigan can suffer harsh winters that can cause leaks, it’s important to be aware of those details ahead of time.
    • Read through plenty of customer reviews on sites like the Better Business Bureau and Trustpilot before deciding on any company. Be sure to brace yourself — you may find some horror stories, but it helps to hear the worst when your money’s on the line. Many customers only post reviews if something went really well or really poorly, so take the reviews with a grain of salt. However, if you’re looking for firsthand accounts, customer reviews are the best source.

    My Expert Recommendation

    My number one pick for a home warranty plan is the Total Home Guard plan from Liberty Home Guard because of its reasonable price and well-rounded coverage. Additionally, Liberty Home Guard has the highest company reputation score out of all the companies on our list, which goes a long way in terms of trust. The home warranty industry is full of complaints and scam-like behavior, so trustworthiness is one of the most important aspects a company can have. Having read through all the competition’s sample contracts, I’m most comfortable choosing Liberty because of the straightforward terms and exclusions, handy emergency services, and industry-best customer reviews.

    Keep in mind that Liberty Home Guard only offers a $2,000 coverage limit on most items. While this is the industry standard and is plenty for most appliances, some home systems like HVAC and electrical will cost more out of pocket. Alternatively, First American Home Warranty and American Home Shield have higher coverage limits ($3,500 and $4,000 for appliances, respectively). Therefore, if you want your coverage to pay for the full value of your items, I recommend plans from either of the aforementioned companies.
    Are you curious to learn more about what a home warranty is and how it works? If so, watch the video below from one of our top recommended brands.

    Today’s Homeowner Tips
    My number one pick for a home warranty plan is the Total Home Guard plan from Liberty Home Guard because of its reasonable price and well-rounded coverage.

    Michigan Home Warranty Companies I Didn’t Include

    I didn’t include Choice Home Warranty on my list because it’s currently subject to a class-action lawsuit filed by the Arizona Attorney General’s Office in 2019. It’s also under investigation in other states like New Jersey and Oklahoma for unlicensed activity. I initially wanted to include it because of its guarantee that it’ll request a service technician within four hours from when you submit a claim. Still, with so many legal troubles, I couldn’t recommend Choice Home Warranty to readers in good conscience.


    Compare The Highest Rated Home Warranties In Michigan

    CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

    $50-$60

    $75

    12-48 hrs.

    NR

    VISIT SITE
    American Home Shield Logo

    $35–$75

    $100–$125

    24-72 hrs

    B

    VISIT SITE

    $44.99-$58.99

    $70

    48 hours

    A+

    VISIT SITE
    choice home warranty logo

    $46–$55

    $85

    24-48 hrs.

    B

    VISIT SITE
    select home warranty logo

    $52–$58

    $75-$85

    24-48 hrs.

    B

    VISIT SITE
    AFC Home Warranty logo

    $38–$62

    $75–$125

    48 hours

    B

    VISIT SITE
    first american logo

    $38–$48

    $75–$125

    48 hours

    B

    VISIT SITE

    $17–$60+

    $65–$100

    2–24 hrs

    A-

    VISIT SITE

    $28–$68

    $100–$150

    2–24 hrs

    B

    VISIT SITE

    Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


    Our Reviews of the Best Home Warranties In Michigan

    Best for Customization

    Liberty Home Guard

    4.6

    Our Rating

    Limited Time:
    $200 Off + 2 Months free + Free Roof Leak Coverage

    What stood out to me most about Liberty Home Guard was its abundance of positive customer reviews. It’s not common for home warranty companies to earn lots of good reviews, partially due to the nature of the industry when it comes to denying claims. Nevertheless, Liberty scored over 90% positive reviews on most platforms (Trustpilot, Google, etc.), which is higher than any other company I’ve seen. I can’t stress enough how rare this is — it’s one of the most important factors when choosing a home warranty provider.

    Liberty also has 42 add-on options, which is more than any other competitor offers. These add-ons include unique items like trash compactors, casita guest units, and reverse osmosis water filtration systems, so Liberty really goes above and beyond to offer a fully comprehensive package. In terms of customization, no other provider comes close.

    Liberty Home Guard’s most affordable plan costs $49.99 a month, which is a bit too expensive for an appliance-only plan, in my opinion. It also may be too high of a cost barrier for customers looking for more affordable home warranty coverage. It can’t compete with American Home Guard’s cheapest option at $27.49. Still, Liberty’s Total Home Guard Plan ($59.99) is more affordable than other premium plans on the market, like AFC Home Club’s Diamond plan ($87.75), so it’s not overly pricey.


    Liberty also excludes known or unknown preexisting conditions. While this is standard for home warranties, excluding unknown conditions is more risky when it comes time to submit your claim. However, Liberty still has plenty of positive reviews and fewer complaints than the competition, so this exclusion doesn’t strike me as a serious problem.

    Liberty Home Guard is my top choice because it has the highest scores out of every provider on our list for its plans and coverage, company reputation, and claims process, which are three of the most critical aspects to consider when choosing a home warranty provider. Liberty’s rates are also very consistent from state to state, which makes me more confident in its pricing model since you won’t be charged different premiums depending on where you live. On top of that, Liberty offers 42 add-ons, which is more than most homeowners would ever want. It’s very convenient for mixing and matching to create a home warranty plan that’s ideal for you. 

    In my opinion, the best plan that Liberty Home Guard offers is the Total Home Guard plan ($59.99) since it’s a great bargain for total home coverage. Both the Appliance Guard plan ($49.99) and the Systems Guard plan ($54.99) are a bit overpriced for their coverage, and they’re fairly close in price to the comprehensive plan. Therefore, I recommend spending the extra $5 to $10 to get the Total Home Guard plan for better coverage.

    Liberty Home Guard has the highest score on our list for its plans and coverage options, mainly due to its wide range of add-ons and affordable comprehensive coverage. With 42 available add-ons, no one else even comes close to the amount of customization that Liberty offers. Liberty’s Total Home Guard plan is my top choice since it offers full coverage and only costs $5 more than the Systems Guard plan. However, both the Appliance Guard plan and the Systems Guard plan are a bit pricey for what they’re worth. In my opinion, it’s more worthwhile to spend the extra $5 to $10 on the Total Home Guard plan because it covers much more than each previous plan individually.

    PlanMonthly CostService FeeAvailable Discounts
    Systems Guard$54.99$65 – $125$200 off (online)Two free bonus months (with annual billing)Free limited roof leak protection
    Total Home Guard$59.99$65 – $125$200 off (online)Two free bonus months (with annual billing)Free limited roof leak protection
    Appliance Guard$49.99$65 – $125$200 off (online)Two free bonus months (with annual billing)Free limited roof leak protection

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Grand Rapids. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    The following add-ons are available for all plans:

    • Additional spa: $9.99
    • Carpet cleaning: $19.99
    • Casita guest unit: $35.99
    • Central vacuum: $8.99
    • Ejector pump: $14.99
    • Electronics protection: $19.99
    • Freestanding ice maker: $14.99
    • Generator: $19.99
    • Grinder pump: $14.99
    • Gutter cleaning: $14.99
    • Ice maker (in-fridge): $3.99
    • Instant hot water dispenser: $9.99
    • Lawn sprinkler system: $9.99
    • Lighting fixtures: $7.99
    • Limited roof leak: $11.99
    • Pest control: $14.99
    • Plumbing fixtures: $7.99
    • Pool and spa: $19.99
    • Power washing (exterior flooring): $19.99
    • Pro-Series clothes dryer: $4.99
    • Pro-Series dishwasher: $7.99
    • Pro-Series microwave: $4.99
    • Pro-Series range/oven/cooktop: $12.99
    • Pro-Series refrigerator: $14.99
    • Pro-Series stand-alone freezer: $14.99
    • Pro-Series washing machine: $4.99
    • Re-Key: $9.99
    • Reverse osmosis water filter system: $14.99
    • Saltwater pool: $23.99
    • Second refrigerator: $7.99
    • Septic system pumping: $12.99
    • Stand-alone freezer: $5.99
    • Sump pump: $8.99
    • Swamp cooler: $14.99
    • Trash compactor: $7.49
    • Tv mounting (up to 65-Inch Tvs): $14.99
    • Tv mounting (up to 85-Inch Tvs): $19.99
    • Water dispenser water line: $4.99
    • Water softener: $13.99
    • Well pump: $12.99
    • Window washing/cleaning: $19.99
    • Wine cooler/fridge: $11.99

    Liberty has the best add-on coverage out of every provider on our list. Its roof leak coverage is particularly beneficial in Michigan, where consistent snow and ice accumulation can contribute to wear and tear on your roof year after year. It’s important to note that Liberty won’t cover damage from natural disasters or secondary damage from roof leaks (mold, corrosion, etc.). However, the roof leak coverage will cover the source of the leak if it’s caused by normal wear and tear, like weathering or old age.

    Exclusions

    The following exclusions apply to all of Liberty’s plans:

    • Any type of valve or leak
    • Chimneys and exhausts
    • Damage caused by improper installation
    • Damage caused by natural disasters
    • Damage caused by pests or mold
    • Damage caused by rust or corrosion
    • Disposal of old systems or appliances
    • Glass parts
    • Installation of systems or parts
    • Known or unknown preexisting conditions
    • Lighting
    • Luxury or commercial-grade systems and appliances
    • Poorly maintained systems or appliances
    • Routine maintenance
    • Solar systems
    • “Smart” components and parts

    These exclusions are standard in the industry and match most of what I found with competitors. However, exclusions for “known or unknown preexisting conditions” are notorious for allowing providers to deny claims, so be wary of that.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Overall, Liberty is an affordable home warranty provider with consistent rates throughout the entire US, unlike other providers that can vary their prices upwards of $20 a month depending on where you live. Its prices start higher than some competitors’ rates, which may make it tougher for budget-conscious buyers to hop on board. However, its plans range from $49.99 to $59.99, which is about average for the coverage it provides. Additionally, Liberty frequently offers online discounts and sends texts about upcoming promotion deals.

    Be sure to read Liberty Home Guard’s sample contract for information on cash reimbursements and replacement parts since this can increase cost. Liberty may choose to give a cash reimbursement for a covered item, but that amount is at their discretion and is based on the depreciated value of your item. In other words, if you need to replace an old heater, they may only give you a few hundred dollars instead of the full coverage limit because your heater’s value has diminished. Additionally, Liberty isn’t required to choose replacement parts that match in color or brand. If you care about matching components and want your appliances to look brand new, you may have to pay out of pocket.

    I found Liberty’s agents to be very informative and straightforward, and they didn’t strike me as overly “sales-y.” However, we found some complaints on review sites regarding items not being covered under warranty and a long waiting period (30 to 60 days) in the sample contract, which were both concerning. Additionally, Liberty has been constantly calling and texting me after requesting a quote, which can be mildly annoying, despite it being standard practice for home warranty providers. With all of that considered, we gave Liberty a 7.8 out of 10.

    Liberty has the highest company reputation score on our list, and it consistently scored higher than the competition. In fact, more than 90% of its reviews on Trustpilot were five stars, which is extremely rare. Many customers praised Liberty Home Guard for its helpful customer representatives, reliability, and prompt service. One customer on Trustpilot said:

    “My experience with Liberty Home Guard has honestly been nothing but pleasant. The staff has been very polite and informational, always being able to provide me with a solution to what is going on.”

    On the other hand, most of the complaints were about Liberty not fulfilling claims, being slow to address repairs, or using sub-par workers, which are common issues in the industry. While these are all noteworthy complaints, the good reviews certainly outweigh the bad. For that reason, we gave Liberty a 9.1.

    Rating SiteRatingNumber of Reviews
    BBBNRCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot4.72,462

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Liberty Home Guard earned the highest claims process score on our list because of its fast response times and emergency services. Its average response time is 12 hours, which is extremely quick, even when compared to the fastest companies on our list. Liberty also offers emergency services, which are crucial for when HVAC and everyday appliances suddenly stop working. Though its coverage limits aren’t high enough to cover a total system replacement, and you may end up having to pay some out of pocket, Liberty’s claims process is still worthy of a perfect score. 

    Liberty Home Guard is available in all 50 states, which is why we gave it a 10 out of 10. Nationwide availability is a good sign that the company is established and less likely to engage in scammy behavior, and Liberty is established from coast to coast.

    Best Coverage Limits

    American Home Shield

    4.3

    Our Rating

    Limited Time:
    Limited Time Offer: 50% Off

    My favorite thing about American Home Shield is its affordable rates, although they change frequently. AHS is currently offering its ShieldGold plan for $30 a month, which is an incredible deal that covers most major home systems and appliances. Additionally, AHS offers high coverage limits ($5,000 HVAC and $4,000 appliance limits on its ShieldPlatinum plan) that are roughly $2,000 more than most competitors. Although these coverage limits are only available for its top-tier plan, its combination of low monthly rates and high coverage limits makes it a top contender for budget-conscious buyers.

    I like a lot about American Home Shield, but its biggest downfall is its negative customer reviews. AHS has the lowest customer reputation score on our list, which says a lot about the company. Most of the online complaints were about denied claims and difficult customer service. AHS still has a B rating on BBB, and there are a decent amount of positive reviews to go along with it, so it’s not all bad. However, customer reviews give the most accurate inside look at a company, so the high ratio of negative reviews concerns me. Moreover, I don’t like that AHS’s rates change so much, depending on your location and the current promotions. If you purchase your plan at the wrong time, you could end up spending hundreds more a year.

    American Home Shield has very high coverage limits on its ShieldPlatinum plan, giving it a huge leg up on the competition. Its limits are $5,000 for HVAC and $4,000 for appliances, neck-and-neck with First American Home Warranty at $3,500 per appliance in its Starter and Essential plans and $7,000 per appliance in its Premium Plan. However, at almost $80 a month, the ShieldPlatinum plan is overpriced, in my opinion. If I could only choose one plan from American Home Shield, given the current online promotions and prices, I’d choose the ShieldGold plan. It covers most major home systems and appliances for only $30, which is an incredible bargain.

    Despite its perks, American Home Shield has more negative reviews than the competition, specifically about claims being denied (sometimes in bad faith). The ShieldGold plan is an absolute steal, and I highly recommend readers check it out. Having said that, AHS’s frequency of complaints is concerning, so potential customers should carefully read the sample contract and thoroughly research online customer reviews before buying.

    American Home Shield has the most affordable basic coverage on our list, with its ShieldSilver plan starting at $29.99. However, AHS’s current rates are around $20 more expensive in Michigan than they were in other states I’ve covered. The ShieldPlatinum plan is especially pricey at $79.99 a month, so it’s not as good of a bargain as it was in other locations or with other promotional offers. However, the Shield Gold plan is an absolute steal at $30 a month (with the 40% online discount), so I highly recommend you grab this deal while it lasts. $30 a month for major systems AND appliances is basically unbeatable, so the ShieldGold plan is my top pick for American Home Shield, at least while this deal lasts. AHS’s online discounts vary extremely frequently, so if there’s not a great deal going on when you’re searching for a quote, feel free to wait until a better offer comes along. 

    As a side note, American Home Shield only offers six add-ons, which is the lowest amount on our list. Its affordable rates and straightforward plans make up for it, so we gave it a 9.0 out of 10.

    PlanMonthly CostService FeeAvailable Discounts
    ShieldSilver$29.99$100 – $125N/A
    ShieldGold$30.00 (with discount)$100 – $12540% ShieldGold Plan
    ShieldPlatinum$79.99$100 – $125N/A

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Grand Rapids. The cost data presented was accurate at the time of writing.

    Available Add-Ons
    • Electronics protection plan (all plans): $14
    • Guest unit (all plans): $6.99
    • Pool and built-in spa equipment (all plans): $18
    • Roof leak repair limit (included in the ShieldPlatinum plan but available as an add-on for others): $10
    • Septic pump (all plans): $5.00
    • Well pump (all plans): $8.00

    American Home Shield only offers a few add-ons, but I found the electronics protection plan particularly noteworthy. It protects an unlimited amount of new and used devices like TVs, laptops, and more, which many home warranty companies do not offer. However, there are plenty of limitations (it doesn’t cover cell phones, preexisting conditions, theft, cosmetic damage, etc.), so it’s not quite as foolproof as it sounds. Be sure to read a sample contract for your state before buying.

    Exclusions
    • Acts beyond our control (earthquake, storms, mud, fire, etc.)
    • Flues, chimneys, fireplaces, and exhaust lines
    • Hazardous materials 
    • Improper capacity
    • Items covered by other insurance or warranty
    • Known preexisting breakdown 
    • Manufacturer or government recalls
    • Misuse or accidental acts
    • Multimedia centers
    • Outdoor kitchens
    • Power and fuel sources
    • Routine maintenance
    • Smart home systems
    • Special systems (radon mitigation systems, gas detection systems, etc.)

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    American Home Shield’s basic plans are some of the least expensive in the industry, including perhaps the cheapest home warranty available on the market. However, AHS’s prices vary more than those of competitors from state to state, raising or lowering by upwards of $20 a month. Its prices can get as low as $7.49 a month for the ShieldSilver plan. In Michigan, its lowest is currently $29.99, which brought AHS’s overall score down to 8.7. Furthermore, online promotions often vary, which can have a significant impact on your overall rate. Still, basic coverage for $29.99 a month isn’t terrible, but I highly recommend that budget-conscious buyers wait for a sale. If you input your email and phone number, AHS will likely text you updates for upcoming promotional deals. Be sure to read the entire American Home Shield sample contract for special notes that may affect your overall rate or payout.

    American Home Shield’s customer reviews initially left me feeling uncertain about its reliability, but its responses to the complaints eased my mind a bit. AHS representatives commented on almost all negative Trustpilot reviews and told unsatisfied customers to reach out to trustpilot@ahs.com in order to resolve their claims further. The same goes for Better Business Bureau complaints. Many companies do this, but it’s nice that AHS goes above and beyond the norm, reaching out to almost all unsatisfied customers. Most complaints were about denied claims, which is concerning but common. Still, it’s clear that it cares about customer satisfaction, so we gave AHS an 8.4.

    American Home Shield has the lowest company reputation score on our list, and while not all reviews were negative, it does cause some concern. For instance, on Trustpilot, 78% of all reviews were one-star. Most of the complaints were regarding uncovered items, poor communication, and logistical errors. One customer explained their experience with the company below:

    “Each time you call, you get a new service rep who says completely opposite things. You have to fight them on everything and make sure the rep marks your issue as needing to be expedited. This puts them under a tighter timeline to assign and complete the job, and if they don’t find an available contractor, you can hire your own, and they must reimburse you. I use this tactic frequently, and it has always worked.”

    Another customer was more direct, saying:

    “They are an absolute disaster to work with. They don’t honor claims, and it is IMPOSSIBLE to cancel the contract.”

    However, it’s not all bad. AHS commonly receives praise for its quick responses to claims. One customer said:

    “American Home Shield received my service request, and the repair company called within a couple of hours. The repairman came on time, and he was polite and efficient.”

    While American Home Shield may have a lot of complaints, it also has a lot of positives, bringing its overall reputation score up to 7.7 out of 10.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot2.25,234

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Overall, American Home Shield agents handle claims quickly and get technicians to service items within a day or two. Because of its high coverage limits on appliances and systems, American Home Shield pays out very well for claims on covered items. However, it’s not without its downsides. American Home Shield has a large number of complaints about denied claims, with one customer stating:

    “AHS denied my claim, stating it was due to a manufacturer defect. A coil failure after 11 years was deemed to be a manufacturer defect, even though the expected life of the part was between 8 to 12 years.”

    This concerns me because it’s not a clear exclusion, so AHS’s actions seem to be denying the claim in bad faith. On top of its claim denials, it doesn’t have the best claim response time when compared to the competitors on our list. Still, for its ease of use and high payouts, we gave American Home Shield an 8.4.

    American Home Shield operates in all of the continental United States, so we gave it a perfect availability score.

    Best Value

    Select Home Warranty

    4.2

    Our Rating

    Limited Time:
    $150 Off (Code HOUSE25)

    The thing I like most about Select Home Warranty is that it offers the most affordable comprehensive coverage plan out of all the companies on our list at just $47.75 a month. Getting total coverage anywhere for less than $50 a month is almost unheard of, so Select stands tall above the competition. Additionally, I like that Select Home Warranty’s plans come with free roof leak protection since roof leaks are very common.

    Hands down, my biggest complaint is that Select has the lowest coverage limits of any company on our list. Appliances, plumbing, and electrical are all capped at $500 per item, which is roughly 25% of the industry standard ($2,000 per item). $500 is already very low, but additional coverage items are even lower at $400 per item. It’s also worth noting that Select’s terms and conditions are very strict, to the point where it concerns me. Select reserves the right to request up to three prior years of maintenance records and pictures before repairs. Without these documents, the most you’ll get for any item is only $150.00. All home warranty companies have exclusions and inconvenient fine print details, but there are a lot of loopholes to watch out for here.

    Select Home Warranty’s affordable, comprehensive coverage for only $47.75 a month is a great value, but its low coverage limits make me wonder if it’s really worth it. Select’s appliance coverage limits are exceptionally low at $500 per item, but even its HVAC limits are low at only $3,000. Compared to the industry average of $4,000 to $5,000, these limits are low across the board. Yes, $3,000 is helpful in times of distress, but when you factor in a monthly premium of almost $50 along with strict terms and conditions, it makes me question whether it’ll be beneficial in the long run.

    That brings me to my next point: Select’s terms and conditions are stricter than the competition’s. Select requires you to contact the claims department within three days of discovering a malfunction for your claim to be accepted, which can be difficult if there’s any debate as to when defects were ‘discoverable.’ For instance, if a technician says that the malfunction should’ve been obvious weeks prior, but you didn’t notice it until recently, Select would have legal cause to deny the claim. Likewise, Select can request up to three prior years of maintenance records to perform covered repairs, which is inconvenient at best and dangerous at worst. Select has good prices and knowledgeable sales reps, but be wary of the terms and conditions before agreeing to anything.

    Select Home Warranty offers three standard plans between $40 and $50 a month, but each plan includes free roof leak coverage, which is a huge plus. The Gold Care plan and the Bronze Care plan cover different items, but both come at the same price. However, the Bronze Care and Gold Care plans don’t offer very much coverage, so I recommend the Platinum Care plan since it’s only $3 more. Select’s rates are pretty consistent from state to state, so you can rely on the same general price point even if you move somewhere else. Select only offers nine add-ons, which is fewer than most competitors, but its rates are reasonable and its coverage is comparable to competitors, so we gave it an 8.3.

    PlanMonthly CostService FeeAvailable Discounts
    Gold Care$44.42$75 – $100$150 off any plan (online)Free roof leak coverageTwo extra months FREE and $150 off (when you’re billed annually)
    Bronze Care
    $44.42
    $75 – $100
    $150 off any plan (online)Free roof leak coverageTwo extra months FREE and $150 off (when you’re billed annually)
    Platinum Care$47.75$75 – $100$150 off any plan (online)Free roof leak coverageTwo extra months FREE and $150 off (when you’re billed annually)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Grand Rapids. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Select Home Warranty offers the following add-ons for all its plans:

    • Central vacuum: $3.33/mo
    • Lawn sprinkler system: $5.83/mo
    • Pool: $8.33/mo
    • Roof leak: $0/mo (included in all plans)
    • Septic system: $5.83/mo
    • Spa: $5.83/mo
    • Stand-alone freezer: $3.33/mo
    • Sump pump: $3.33/mo
    • Well pump: $3.33/mo

    While sump pump coverage is a common add-on option, it’s a crucial one in Michigan. Melted runoff from the state’s frequent snow storms can lead to water collecting in your basement and causing problems.

    Exclusions

    Select Home Warranty has the following exclusions on all its plans:

    • Common areas in condominiums or family homes
    • Damage caused by natural disasters and rust
    • Defects or damages caused by the foundation and structure of the home
    • Incorrect installation or malfunctions due to construction damage or improper wiring
    • Issues with systems or appliances related to hazardous or toxic materials
    • Secondary damage
    • Solar heating systems

    It’s important to note that damage caused by natural disasters isn’t covered by your home warranty policy since Michigan is known for having harsh snow storms.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Select Home Warranty has the best affordability score on our list, which is no small feat. All the plans are between $40 and $50, which is a great bargain when you consider that some of the plans on this list are upwards of $80 to $90 a month. Select also has consistent monthly rates throughout the entire country, which is a great sign, since your premium likely won’t rise if you move. Select also has some of the lowest service rates on our list ($75 at the lowest, but this varies due to your location). However, the Gold Care and Bronze Care plans were slightly overpriced for their coverage, so we gave Select a 9.1. Additionally, the lower coverage limits also contribute to your overall costs since you’ll likely have to pay out of pocket for bigger repairs, so be sure to read the entire Select Home Warranty sample contract for more details.

    Select Home Warranty ranks in the middle compared with the customer experience scores of other companies on our list. Reviews are split between five-star and one-star reviews, but in general, most customers are happy with their experience. One Trustpilot customer said:

    “The sales agent that I spoke to was extremely knowledgeable. He didn’t try to sell me anything that I didn’t need, and he helped get me the best price.”

    Many customers praised Select for having friendly sales representatives, which I agree with based on the phone calls I’ve had with them. However, most sales reps don’t talk about important exclusions in the contract. They’re mainly focused on the good aspects of the policy in order to make the sale. While this isn’t uncommon, it could be improved, so we gave Select an 8.1.

    Select Home Warranty’s scores are average for the home warranty industry, but it comes with its fair share of complaints. Many customers complained about claims being denied, some even throwing around the term “scam.” One customer said:

    “Select Home Warranty is a disgrace. Their so-called ‘service’ is nothing but a sham, promising coverage and support while delivering nothing but disappointment and frustration. From their incompetent customer service to their outright refusal to honor legitimate claims, this company epitomizes everything that’s wrong with the home warranty industry.”

    Despite that, a 3.8-star rating on a site like Trustpilot is fairly decent. There is no shortage of five-star reviews that praise the company’s quick responses. One customer claimed:

    “My initial call was absolutely great. The rep was very nice and polite to me. I told her what my problem was, and she started working on it immediately.”

    While most of the reviews on these sites are split between five-star and one-star reviews, as is often the case, the results are mostly positive. However, some think the five-star reviews are less-than-earned. One customer said:

    “This company is a SCAM! The only reason they have positive reviews is that they offer new customers an additional month of coverage in exchange for a favorable REVIEW, a practice that should be deemed ILLEGAL.”

    I can’t verify that Select is offering discounts for favorable reviews, but it does make me more cautious when reading through the positive comments. Still, Select has plenty of good reviews, it’s BBB-certified, and it has great value for customers, which led us to give it an 8.0 out of 10.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.84,720

    Editor’s Note: The ratings provided were accurate at the time of writing.

    Select Home Warranty ranks about average for its claims process, and it offers standard methods of submitting claims either online or over the phone. However, Select has especially low coverage limits (only $500 per item), so it doesn’t pay out as much as competitors do. It has an average response time of around 48 hours for non-emergency claims, which is respectable but not extraordinary. Select also has strict terms and conditions, which can make getting claims covered difficult. For example, you must reach out within three days of discovering an issue with any items in order for them to be covered. For all these reasons, we gave Select Home Warranty a 7.6 out of 10.

    Select Home Warranty operates in 47 states, so according to our review standards, we gave it a perfect availability score. Nationwide availability isn’t the most important factor, but it still shows that Select is a legitimate business throughout the whole country.Select Home Warranty covers all U.S. states and the District of Columbia. With full nationwide coverage, you can expect a top-tier network of experienced contractors ready to knock out any issues you have in your home. 

    Best for Additional Benefits

    AFC Home Warranty

    4.3

    Our Rating

    Limited Time:
    4th of July Sale: $250 off + free roof leak coverage

    My favorite things about AFC Home Club are its lifetime workmanship guarantee and how it lets members choose their own technicians at no additional cost. These perks often get overlooked, but they’re some of the most practical benefits for peace of mind that any company can offer. Its lifetime workmanship guarantee means that if a covered item breaks, AFC will make sure the parts and labor are covered for the entirety of a member’s plan. Most other companies only offer a 30-day or 60-day guarantee, so AFC’s lifetime guarantee is much better. However, AFC letting members pick their own technicians is an even bigger deal for me. This feature is pretty rare. Even if other companies offer it, you usually have to fight tooth and nail to get them to cooperate with your decision. With AFC, the process is simple: just pick your technician and you’re good to go. 

    My main problem with AFC is that it doesn’t cover unknown preexisting conditions. If a technician finds an issue and can trace it back to before you started your policy, AFC won’t cover it. This is standard in the industry, and most companies on this list have it, but it’s still a risky exclusion. Additionally, AFC’s Diamond Plan is too pricey to be practical for most homeowners.

    AFC Home Club has a lifetime workmanship guarantee and lets members choose their own service technicians, which are two exceptional perks. Its lifetime workmanship guarantee surpasses that of every company on this list, giving AFC a significant leg up on the competition. Likewise, being able to choose your own technician is a huge plus, since you won’t have to worry about shady technicians scamming you. However, AFC’s refusal to cover known or unknown preexisting conditions is a bit concerning. Lots of other providers on this list have the same issue, but since AFC doesn’t have any glaring red flags, I wanted to point it out. No policies are without their exclusions, so be wary.

    I recommend buying the Platinum Plan because it comes at a decent price for comprehensive coverage ($7 less than Liberty’s Total Home Guard plan). If money were no object, I would choose the Diamond plan since it covers a lot of items that competitors don’t (like electronics and smartphones). However, this coverage is overkill for most homeowners, so I’d opt for something less expensive. Every other plan AFC offers is reasonably priced.

    AFC Home Club is the only company on this list to offer four plans instead of three, giving customers more options than the competition. The prices range from $34.33 a month for its Silver Plan, which is a great bargain for kitchen and laundry appliance coverage, all the way up to $87.75 a month for the Diamond Plan, which is the most expensive plan on our entire list. Aside from the Diamond Plan, all other plans are reasonably priced and comparable with what competitors are charging. AFC also has flexible service fees that start as low as $75, so we gave it an 8.1 for its abundance of options for plans and service fees.

    PlanMonthly CostService FeeAvailable Discounts
    Diamond Plan$87.75$75 – $125$100 off (online discount)+ Roof Leak Coverage Applied (limited-time promotion)
    Platinum Plan$53.17$75 – $125$100 off (online discount)+ Roof Leak Coverage Applied (limited-time promotion)
    Gold Plan$48.50$75 – $125$100 off (online discount)+ Roof Leak Coverage Applied (limited-time promotion)
    Silver Plan$34.33$75 – $125$100 off (online discount)+ Roof Leak Coverage Applied (limited time promotion)

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Grand Rapids. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    AFC Home Club offers the following add-ons for all plans:

    • Built-in microwave: $50 (annual price)
    • Central vacuum: $25 (annual price)
    • Double oven: $25 (annual price)
    • Hot water dispenser: $25 (annual price)
    • Ice maker: $25 (annual price)
    • In-ground pool: $100 (annual price)
    • In-ground pool and spa: $150 (annual price)
    • Roof leak: $0 (this is a limited-time promotion, but it’s typically $25)
    • Septic system: $50 (annual price)
    • Stand-alone freezer: $25 (annual price)
    • Sump pump: $35 (annual price)
    • Well pump: $50 (annual price)

    The exterior septic system coverage is particularly beneficial. Damage can affect more than just your home’s interior, so it makes sense to cover your exterior pipes since most plans don’t cover outdoor systems.

    Exclusions
    • Accidents
    • Acts of God
    • Chemical or sedimentary build-up
    • Collapsed ductwork
    • Cosmetic defects or routine maintenance
    • Electrical shorts or power surges
    • Electronic or computerized energy management 
    • Failure due to excessive or inadequate water pressure
    • Failure to clean or maintain as specified by the equipment manufacturer
    • Fire, freezing, or electrical failure
    • Hazardous or toxic materials
    • Known or unknown preexisting conditions 
    • Lighting and application management systems
    • Lightning, mud, or earthquake damage
    • Missing parts
    • Misuse or abuse
    • Pest damage
    • Repairs related to costs of construction, carpentry, or other incidental costs
    • Rust or corrosion
    • Structural changes
    • Storms
    • Secondary damage from a noncovered item
    • Upgrades, components, or parts required due to incompatibility with the replacement system 
    • Water damage 

    It’s important to note that AFC Home Club doesn’t cover rust or corrosion. While this is the industry standard, it’s risky in Michigan, where winter weather can cause such occurrences.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    AFC Home Club’s rates are about average for most of its plans, but at $87.75, the Diamond plan is the most expensive plan on our list, which negatively affects its score. We decided to give AFC a 9.1 because its flexible service fees are as low as $75, which is very reasonable compared to other competitors that only go as low as $100. However, it doesn’t have the best rates for after-hours services. Non-emergency services outside of normal business hours may cost you additional fees or overtime charges, so be sure to read the entire AFC Home Club sample contract to learn all the details about your plan.

    AFC Home Club has the highest score on our list when it comes to customer experience, and that’s mainly due to its ability to choose your own technician. One customer claimed:

    “I’ve been with AFC Home Club since 2019 and really appreciate their quick responses. The flexibility they provide to go through a technician of your choice or have them find you one is very helpful as well.”

    This quote shows how important it is to be able to choose your own technician. It’s not a luxury that many companies offer. In addition, customers praised the company’s timeliness, which makes sense because AFC has an average response time of 24 to 48 hours. For all these perks, we gave AFC Home Club a 9.2 out of 10.

    AFC Home Club doesn’t have the most impressive online reviews, but one area where it excels is its response to customer complaints. AFC has responded to every single complaint that I saw on the BBB website. That impressed me, and it shows that AFC is very dedicated to customer service, even if its overall performance could use improvement.

    While AFC Home Club’s online reputation is average, it has far fewer reviews than the competition, which is a little concerning. It’s not a total dealbreaker, but all the other providers on our list have thousands of Trustpilot reviews, while AFC only has 24. Customers typically praise AFC for the ability to choose their own provider, with one customer saying, “The ability to choose my own technician is very important to me. I know by doing so, I get the caliber of person that I always have dealt with for the maintenance of my equipment.” 

    Another customer said, “AFC has always covered a good portion, if not all, of any work that I have ever had done. I have used AFC on all of my rentals, and my own residence for several years. They have always come through.” Most complaints were about denied claims, which is very common in the industry, but still worth considering before your purchase.

    Rating SiteRatingNumber of Reviews
    BBBBCustomer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.024

    Editor’s Note: The ratings provided were accurate at the time of writing.

    AFC Home Club has the lowest claims process score on our list, mainly due to the fact that it doesn’t offer emergency services. Every other provider on our list offers this service, so it’s very inconvenient that AFC does not. For that reason, we gave AFC Home Club a score of 6.8.

    AFC Home Club operates in 49 states. According to our review standards, it earns a perfect availability score.

    Best for Preventative Maintenance

    Cinch Home Services

    4.1

    Our Rating

    Limited Time:
    2 Months Free On All Plans

    The two biggest perks that Cinch Home Services offers are its $10,000 annual coverage caps and its unknown preexisting condition coverage. Unlike other companies that offer individual coverage limits for items, Cinch has a collective annual coverage limit of $10,000, which is very high if you only have one or two items malfunctioning per year. Additionally, Cinch is the only provider on this list to cover unknown preexisting conditions, which is a critical advantage. If anything goes wrong with your items, as long as it wasn’t an obvious, visible malfunction, it’s automatically covered. I can’t stress enough how outstanding these two features are, since most other companies don’t offer these benefits. On top of that, its 180-day workmanship guarantee, its affordable rates, and its B+ Better Business Bureau rating sweeten the deal even further.

    Cinch Home Services doesn’t have any huge red flags, but it does have a few small features I don’t care for. First, it offers fewer discounts than the competition, which isn’t a huge deal since its monthly rates are reasonable, but it does limit the affordability of its services. Likewise, all of its service fees are quite pricey, with the cheapest option being $100. Lastly, Cinch doesn’t offer roof leak coverage, not even as an add-on. Most providers on the market offer this feature as a paid addition to your coverage. None of these cons are dealbreakers, but you should be aware of them.

    Cinch Home Services has been in business for more than 40 years, making it one of the most experienced companies in the home warranty business. More than any other company, Cinch stands out for its $10,000 annual coverage limits and its coverage of preexisting conditions. These are two extremely useful features that no other competitor offers. While the collective annual coverage limit feature has its downsides (if you have 10+ malfunctions in a year), it’s a significant upside if you only require a few repairs during your contract. If you only have one repair per year, your coverage limit will be the full $10,000, which should cover the full replacement costs (and then some) for even the most expensive home systems and major appliances. Additionally, Cinch will cover unknown preexisting conditions, claiming in its sample contract: 

    “We will cover an unknown pre-existing mechanical failure provided the failure could not have been detected by visual inspection or simple mechanical test.”

    Cinch also provides rust and corrosion coverage, which no other company on this list offers. However, there are limitations depending on the type of policy you purchase. Cinch claims:

    “Mechanical failure due to rust and corrosion is not covered in the Seller Home Warranty. Mechanical failure due to rust and

    corrosion is covered after the Agreement effective date in the Buyer Conversion, Buyer Direct, Open Direct or New Home Warranty.”

    Additionally, Cinch will provide one free air conditioning and/or heating system maintenance visit for up to $100 in the event that you don’t have any claims during your first year. That means you get a reward for not having anything break. No other company offers preventative maintenance benefits like that. Cinch does have downsides, like not offering roof leak coverage and having expensive service fees, but the pros certainly outweigh the cons. In terms of unique perks, Cinch has lots of features that set it apart from the competition, making it my top choice for customers who want coverage for preexisting conditions.

    Cinch Home Services has the lowest plans and coverage score on our list, mainly because of its expensive service fees and lack of roof leak coverage. Cinch offers three straightforward plans: one for home appliances, one for built-in home systems, and one comprehensive plan. Despite these simple options, Cinch has a coverage limit of $10,000 worth of claims within a contract year, with some appliances having individual limits of up to $2,000, which are both very good.

    However, Cinch has fairly expensive service deductibles, with the most affordable being $100. It’s also the only provider on our list with fees as high as $150. Likewise, your monthly rate can rise by more than $10 if you choose a cheaper service fee, so there are tradeoffs. Additionally, Cinch has limited add-on options and no option for roof leak coverage, which brings its overall score down. Factoring in the expensive service fees and lack of roof leak coverage, we gave Cinch Home Services a 6.7. 

    PlanMonthly Cost*Service FeeAvailable Discounts
    Appliances$32.99$100 to $150Choose monthly billing and get your first month free (online)
    Built-in Systems$39.99$100 to $150Choose monthly billing and get your first month free (online)
    Complete Home$49.99$100 to $150Choose monthly billing and get your first month free (online)

    *Prices reflected in the table above are with a $150 service fee.

    Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Grand Rapids. The cost data presented was accurate at the time of writing.

    Available Add-Ons

    Cinch Home Services offers the following add-ons for all its plans:

    • Pool (heater included): $22.00/mo
    • Pool with spa (heater included): $22.00/mo
    • Premier upgrade package: $12.50/mo
    • Septic tank/pumping: $4.58/mo
    • Spa (heater included): $22.00/mo
    • Well pump: $12.50/mo

    The premier upgrade package is a unique option that provides additional coverage for permits, code upgrades, and more. It’s a rare add-on that no other company on this list offers. While it is pricey, it may be worth looking into if you’re worried about keeping your appliances up to code.

    Exclusions

    Cinch Home Services has the following exclusions on all its plans:

    • Abuse
    • Accidents
    • Acts of God
    • Animal, pet and/or pest damage
    • Casualty
    • Fire
    • Flood, smoke, earthquake, or freeze damage
    • Improper installation
    • Insurrection and riots
    • lightning strikes
    • Missing parts
    • Misuse and/or neglect
    • Mold, mildew, mycotoxins, fungus, bacteria, virus, condensation, and/or wet or dry rot
    • Nuclear explosion, reaction, radiation or radioactive contamination
    • Power failure
    • Power surge
    • Structural and/or property damage
    • Vandalism or intentional destruction of property
    • War and acts of terrorism

    It’s important to note that damage caused by freezing isn’t covered by your home warranty policy since Michigan is known for its harsh winters.

    Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

    Cinch Home Services has fairly affordable monthly rates, but its service fees are higher than those of its competition. Most companies’ service fees top out at $125, but Cinch’s range from $100 to $150 — the most expensive on our list. Likewise, your monthly rate changes according to your service fee. The lower your service fee is, the higher your monthly premium is, and vice versa. This is standard procedure, which every company uses. However, Cinch’s service fees are especially high, so the affordable rates aren’t as good as they seem. If you pick the highest service fee option, the rates are very reasonable. Cinch doesn’t offer many discounts, so it’s not as deal-friendly as the competition, but it’s not overly priced for its monthly rates either. Factoring all the pros and cons, we gave Cinch an 8.7.

    Cinch Home Services is tied with Liberty Home Guard for its customer experience score, and for the same reason. While customer reps are knowledgeable and friendly, Cinch has a lot of points of contact after you request a quote. This isn’t out of the ordinary, but all the calls and texts can get annoying if you decide to pick a different company or change your mind about purchasing a home warranty. Still, not every customer feels this way. One Trustpilot reviewer said:

    “Justin was super knowledgeable and helpful with all my questions, but I didn’t feel like he was trying to sell me on anything just to get my business. They also didn’t bombard me with calls or texts after I called them, which is nice!”

    These calls and texts often vary, so not every experience will be the same. However, both Liberty and Cinch have higher-than-average amounts of contact, so we rated them both a 7.8.

    For company reputation, Cinch Home Services is tied for second best with AFC Home Club, making it another great alternative to Liberty Home Guard. Like any home warranty company, Cinch has mixed reviews, but most fall in its favor. Cinch earned a B+ with the Better Business Bureau, giving it the highest BBB score on our list. It also has a 3.7 on Trustpilot, which isn’t an easy feat either. Most customers left complaints about denied claims or hard-to-reach customer service reps. One customer said:

    “The coverage is not clear. Even your customer service team is confused. They gave me coverage information that is contradictory to what your sales team told me. I will cancel this service.”

    On the other hand, many customers praised Cinch’s friendly reps, simple quote process, and straightforward service. One Trustpilot customer said:

    “Even though I had an issue with my last claim, Cinch still did the right thing and made up for the issue at hand. The resolution team was great, and that’s all that matters. I do recommend Cinch personally after the ups and downs.”

    While there are a lot of mixed feelings, Cinch does have a high BBB rating and plenty of good reviews to back it up, so we gave it an 8.3.

    Rating SiteRatingNumber of Reviews
    BBBB+Customer Reviews are not used in the calculation of BBB Rating
    Trustpilot3.73,052

    Editor’s Note: The ratings provided were accurate at the time of writing.

    When it comes to claims, Cinch Home Services is second only to Liberty Home Guard, making it a great alternative for submitting claims easily. There’s not much to dislike here; Cinch has a fast 24-hour response time, 24/7 availability, and fee-free emergency services, which is a huge plus for when disaster strikes. On top of that, it has decent coverage limits, so the payouts are reasonable.

    Cinch Home Services is available in the 48 continental United States, giving it a perfect availability score.


    Calculate the Cost of Michigan Home Warranty

    If you’re trying to figure out how much a home warranty will cost, Today’s Homeowner created a handy cost calculator to help you. Enter your monthly cost, service call fee, and expected number of claims below to estimate your annual home warranty cost.

    Appliance Average Repair Cost Average 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

    Michigan Home Warranty Regulations

    Unlike in other states, home warranties are not regulated by the state government in Michigan. They’re legally considered “service contracts,” so they don’t fall under insurance regulations. However, appliance repair companies and home warranty companies must adhere to the Joe Gagnon Appliance Repair Act, which includes rules for written estimates, total charges, company information, and more

    In effect, this appliance repair act is the sole source for legislation surrounding home warranty companies in Michigan. However, if you have a complaint with your provider, you can file it with Michigan’s Attorney General’s Office. Michigan has regulations for warranties on new home builds, found in Mich. Admin. Code R. 125.1408.


    Michigan Home Warranty News

    The Oakland County Clerk is warning Michigan residents about a recent mail scam that claims residents have debt. These fraudulent postcards appear to be from the “County Deed Records” and “Home Warranty Division” of the Oakland County Register of Deeds Office. They flaunt threats of property loss if a resident’s property or home warranty debts aren’t paid. However, in many cases, the debt either doesn’t exist or is already paid off, so the claims are entirely false. According to ABC 7 WXYZ Detroit, The Oakland County Register of Deeds offers the Property Records Notification (PRN) to keep residents informed about their property files, so they shouldn’t believe anything that isn’t from reputable sources.

    Our Top Pick
    Best for Customization
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    Frequently Asked Questions

    Do You Need a Home Warranty in Michigan?

    Michigan law doesn’t require homeowners to purchase a home warranty plan, but it can be beneficial, depending on your needs.


    How Much Does a Home Warranty Cost in Michigan?

    The average cost of a home warranty in Michigan is $49.27 a month, not including service fees. To find out more about the costs associated with home warranties, check out our home warranty cost guide.


    How To Save Money When Shopping for Home Warranties In Michigan?

    To get the best rates on your home warranty policy, I recommend browsing companies’ websites and waiting for the right deal since promotions are always changing. Also, don’t be afraid to call and ask a representative directly if they have any promotional deals because there’s a good chance it’ll pay off.


    Is a Home Warranty Worth It for Michigan Homeowners?

    A home warranty is worth it in Michigan because if you don’t have thousands saved to pay out of pocket for repairs, a monthly home warranty bill makes it easier on your finances so you can pay smaller amounts over time. It can be difficult to know for sure if home warranties are worth it for your specific circumstances, but consider your needs and your policy exclusions before buying a policy.



    Other Resources for Michigan Homeowners

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    Editorial Contributors
    avatar for Mitchell Layton

    Mitchell Layton

    Mitchell Layton is a former professional mover who currently lives in Philadelphia, Pennsylvania. Mitchell spent years packing and moving for REAL Rock N Roll Movers, a commercial and residential moving company based in Los Angeles that’s primarily staffed with up-and-coming musicians. That gave him plenty of experience navigating box trucks up and down the winding streets of LA. In addition to moving hundreds of happy customers into new homes and apartments all across Southern California, Mitchell has also performed corporate moves on company lots for Nickelodeon, Warner Bros, Universal Studios, Paramount, and more. After pouring blood, sweat, and tears into his profession, Mitchell has all the helpful tips you need for your next move.

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    photo of Andrew Foligno

    Andrew Foligno

    Andrew Foligno is an editor for Today’s Homeowner, with over 6 years of experience working in digital marketing. He started his career as a content writer at an agency, covering industries such as HVAC, plumbing, painting, lawn care, and more. Soon, he was promoted to an editor position where he oversaw a team of writers before moving on to other facets of digital marketing. When he isn’t working, Andrew enjoys going to the gym to be active, as well as going to the movies to unwind.

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