Homeownership in Michigan has something for everyone. If you enjoy small towns or big cities, you will be able to find a home that works for your needs. Michigan homeowners love the beautiful landscapes and access to outdoor activities. However, homeownership in Michigan also comes with its fair share of headaches.

Michigan homeowners deal with long, frigid winters that necessitate nearly constant use of heating systems. Over time, the added strain on the equipment will naturally put it at higher risk of problems and breakdowns. The well-above-average snowfall in the state also puts roofs at increased risk of leaking. The best home warranties in Michigan cover these issues and more to provide you with some peace of mind and reduce the financial burden of home repair.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

Michigan’s Best Home Warranty Companies in 2024

Liberty Home Guard stands out as the best overall home warranty provider for Michigan homeowners. The company’s time on the market, combined with its impressive customer service, makes it a worthwhile choice. However, it is worth getting quotes from other providers to ensure that you find the perfect policy for your home. The list below shows our top picks for home warranty plans in Michigan:

Liberty Home Guard: Best For Customization
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.


Compare the Best Home Warranty Companies in Michigan

The table below outlines data for the best home warranty companies on the market. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.

CompanyRatingMonthly CostService FeeResponse TimeBBB RatingLink

$50-$60

$75

12-48 hrs.

NR

VISIT SITE
AHS 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

$60

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.


How to Choose the Best Home Warranty in Michigan

At this point, you should be feeling a little better about narrowing your home warranty plan choices down to the top five in Michigan. Now we have to take things a bit further to help you choose the one that is an ideal match for your Michigan home. There are lots of important factors that distinguish one plan from another. Three of the things to keep an eye on are coverage caps, claim approvals, and service fee pricing.

  • Coverage Cap: Each covered item in your home warranty will have a cap or a limit. For some plans, this will be $500, and for others, it will be $3000. Make sure you check the coverage caps, especially when you have high-end appliances in your home.
  • Claim Approvals: Every home warranty company has different policies regarding the approval or denial of the claim. Take a look into the specifics of a company to see how they are about approving issues that come up in the home.
  • Service Fee Pricing: The service fee is the price you pay each time that you need a repair. Service fees range in price from $60 to $150; ensure you choose a service fee you can afford.

The above criteria are important things to consider regardless of where you live, and they will affect your overall experience with your home warranty provider. There are some additional things you should consider, however, that are specific to Michigan.

Today’s Homeowner Tips

Michigan homeowners are accustomed to long, cold winters, with average temperatures that routinely dip below freezing for months at a time. As a result, your heating system will be under constant stress to perform, which means it’s more likely to break down than in other areas. Home warranties that cover heating system issues are especially useful in Michigan for this reason.

Michigan also receives over 60 inches of snow every year, which is well above the national average. As that precipitation sits on your home’s roof, it increases the risk of roof leaks. Home warranties that include roof leak coverage or have it as an add-on option in Michigan are usually more beneficial than those that don’t offer it at all.

Finally, despite being in a colder climate, Michigan has a high annual humidity of over 72%. High humidity levels can put added strain on your refrigerator and freezer as they work to remove moisture and keep your food cool. Home warranties that cover these appliances are more likely to provide a return on investment than those that don’t.


How Much Does a Home Warranty in Michigan Cost?

The average home warranty cost in Michigan is between $35 and $75 per month. The higher-priced plans have lots of add-on coverage and broader coverage options. Lower-priced plans will likely only feature coverage for a few systems or major appliances. The good news is that there is a plan out there for almost any budget or look at our cheapest home warranty page for more options. Most plans include coverage caps that range from $1,500 up to $3,000 or more, and the average service fee per service call is $85.

Overall$722.20
Single Family$589.14
Multi Family$1,055.74
Townhome$574.05
Condo$597.95
Duplex$853.02
Home Over 5,000 sq ft$1,294.73
Home Under 5,000 sq ft$616.11

Home Warranty Cost Calculator

Our home warranty cost calculator helps Michigan homeowners estimate the yearly cost of a home warranty plan. Just enter in your monthly premium, service call fee, and estimated number of service visits to see the yearly cost of a home warranty plan. 

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

How Are Home Warranties Regulated in Michigan?

There is no clear government body or department that regulates home warranties in Michigan. Service contracts are not classified as insurance in Michigan, so the state’s Department of Insurance and Financial Services (DIFS) doesn’t have jurisdiction over home warranty companies. 
However, Michigan’s Attorney General’s Office does accept complaints if you have an issue with your home warranty company. Along with filing a complaint, Michigan residents can find additional protection with the Joe Gagnon Appliance Repair Act.

Resources for Michigan Homeowners and Home Buyers


Our Reviews of the Best Michigan Home Warranty Companies

Best for Customization

Liberty Home Guard

4.6

Our Rating

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

Liberty Home Guard is the most trustworthy home warranty in the state of Michigan. After only two years in the home warranty industry, Liberty Home Guard has managed to earn and maintain an A rating with the BBB. It takes attention to detail and serious customer service dedication to earn this rating. Although Liberty Home Guard is a new company, they have put together a strong list of covered items that could work for any Michigan home.

  • Our Take: Most Trustworthy
  • Average Annual Cost: $779.88-$899.88
  • Response Time: Within 24 hours
A rating with the BBB
Outstanding customer service
All work is covered by a 60-day workmanship warranty
Easy process for requesting service
More expensive than some competitors

Similar to Select Home Warranty, Liberty Home Guard offers three plans to choose from. A system plan, an appliance plan, and a combo plan. The pricing of the Liberty Home Guard plans is a little higher than some others on the market, yet the list of covered items is quite long. In addition, Liberty Home Guard has one of the longest lists of add-on coverages in the home warranty market. Everything from a water softener to a trash compactor can be added to an LHG plan. The coverage caps are lower than you’ll get with many competitors, at just $1,500. The service fee is also below average at $75 per service call.

Here’s a detailed look at Liberty Home Guard’s coverage:

  • Appliance Guard ($64.99/month): The Appliance Guard plan covers appliances but doesn’t offer protection for any of your home systems. You’ll get coverage for your refrigerator, stove, cooktop, cooktop exhaust fan, dishwasher, garbage disposal, microwave, ice maker, ceiling fans, clothes washer, and dryer.
  • Systems Guard ($69.99/month): The Systems Guard plan forgoes the appliance coverage and instead offers protection for your home systems. The coverage includes plumbing, heating, air conditioning, and electrical systems. It also covers pieces of equipment within those systems, including toilets, bathroom exhaust fans, water heaters, and HVAC ductwork.
  • Total Home Guard ($74.99/month): The Total Home Guard plan is the most comprehensive coverage option from LHG, and it’s the best value for the money. At just $10-15 more per month than the other plans alone, this option includes all covered items in both lower-tier plans. The Total Home Guard plan is the best option from LHG for maximum peace of mind.

Liberty Home Guard is one of the best home warranty companies if you’re looking for plan customization options. Below are all of the add-ons you can choose from to personalize the plans above:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system (includes pumping)
  • Roof leak coverage (limited)
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser

Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:
40% Off Our Most Popular Plan

American Home Shield is the most customizable plan in Michigan. The American Home Shield plan allows you to build out a policy that works for the specific needs of your Michigan home. The American Home Shield company has been on the market for more than 50 years; they are genuinely one of the leaders in the home warranty industry. American Home Shield prides itself on impressive coverage, excellent customer service, and providing a premium home warranty plan. This is an option that even allows you to customize the pricing that works for your budget.

  • Our Take: Best Customizable Plans
  • Average Annual Cost: $419.88-$779.88
  • Response Time: Up to 48 hours
High payout rates
Many years of experience in the industry
Coverage options are plentiful and unique
Tons of add-on coverages for customization
Expensive

There are three American Home Shield warranties to choose from. The two combo plans tend to be the best overall options to consider as they offer both system and appliance coverage. In addition, AHS is known for the add-on coverage that it offers for things like electronics, pools, and spas. If you have some special features in your Michigan home, American Home Shield will be able to accommodate you. AHS has high coverage caps, some of which extend up to $3,000 and others of which are unlimited. The service fee for AHS can be customized to suit your needs between $75 and $125.

Here’s a detailed look at American Home Shield’s coverage:

  • ShieldSilver ($39.99/month): The ShieldSilver Plan is the systems-only plan from American Home Shield. It protects your electrical, heating, air conditioning, and plumbing systems. It also offers coverage for water heaters, HVAC ductwork, smoke alarm systems, garage door openers, and more.
  • ShieldGold ($49.99/month): The ShieldGold plan includes everything covered in the ShieldSilver Plan. For the extra money each month, it introduces additional protection for appliances, including your refrigerator, oven, cooktop, microwave, garbage disposal, dishwasher, water dispensers, dryers, and washing machines.
  • ShieldPlatinum ($64.99/month): The ShieldPlatinum Plan is the best value for the money from AHS. This plan covers everything in the Silver and Gold plans, plus it adds coverage for annual AC tune-ups and unlimited refrigerant refills for your air conditioners. This plan is also a better value because it comes with higher coverage caps and more affordable service fees.

AHS has excellent add-on coverage options available to customize the already unique and inclusive plans. The optional add-ons include:

Best Claims Acceptance

Choice Home Warranty

4.3

Our Rating

Limited Time:
$50 Off + 1 month free!

Choice Home Warranty is the best overall home warranty in the state of Michigan. The Choice Home Warranty company has 13 years of experience and a strong list of coverage options for customers to choose from. Customer service and simplicity are essential features of the Choice Home Warranty plan. The service contract is easy to understand and has minimal fine print. Customers find that the Choice Home Warranty service is fast, and they have a high approval rate for claims made against covered items. With access to this plan across almost the entire country, Choice Home Warranty quickly takes the top spot on our list.

Key Highlights
  • Our Take: Best Overall
  • Average Annual Cost: $504-$639.96
  • Response Time: Up to 48 hours
Great customer service
Every plan includes appliance and system coverage
Wide range of coverage options
Coverage and plan options are straightforward
Not many options for customization

There are two Choice Home Warranty policies to choose from. What makes these policies unique is that they have a mix of appliance and system coverage. Having both appliance and system coverage helps to give people peace of mind about their entire Michigan home. In addition, Choice Home Warranty offers add-on coverage for customers that want to feel as though they have customized their policy a bit. The company has coverage caps that reach up to $3,000 per covered item, and the service fee is around average at $85.

Here’s a detailed look at Choice Home Warranty’s coverage:

  • Basic Plan ($42/month): The Basic Plan includes coverage for home appliances and home systems, which is unusual for entry-level plans in the industry. As far as appliances go, it protects your dishwasher, oven, cooktop exhaust fan, garbage disposal, microwave, garage door opener, and ceiling fans. It also covers several crucial home systems, including your plumbing, heating, and electrical systems, plus water heaters, HVAC ductwork, and toilets.
  • Total Plan ($53.33/month): The Total Plan is a more comprehensive option and provides a better value for the money. It covers everything in the Basic Plan, plus it offers protection for your refrigerator, washer, and dryer.

Choice Home Warranty doesn’t have many options for plan customization, but there are some add-on coverages you can use to personalize the above plans. These include:

  • Central vacuum
  • Limited roof leak
  • Septic system coverage
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:
$150 Off (Code HOUSE25)

The Select Home Warranty is the most cost-effective home warranty plan for Michigan homeowners. Adding a home warranty to a pre-existing monthly budget can be a tough decision. As great as home warranties are, there is still a cost involved. However, with Select Home Warranty, the costs are reasonable and fair. The company has been on the market for close to ten years, and they have built up a strong network of qualified repair technicians and contractors. Each Select Home Warranty policy also comes with free roof leak coverage.

  • Our Take: Most Cost-Effective
  • Average Annual Cost: $624-$684
  • Response Time: Up to 48 hours
Many years of experience
Every plan includes roof leak coverage
Great value for the money
Long history of outstanding customer service
Coverage caps aren’t as high as some competitors

There are three Select Home Warranty policies to choose from. You can pick between a systems plan, an appliance plan, and a combo plan. As you will quickly notice, the combo plan is only a few dollars more per month but offers more than double the coverage. The combo plan or Platinum Care plan tends to be the most popular of all the choices from Select. There are add-on coverage options in addition to the free roof coverage for homeowners that have a central vacuum or a spa. Select Home Warranty’s coverage caps are a bit below the industry average at $2,000. However, the service fee is also more affordable at just $60 per call.

Here’s a detailed look at Select Home Warranty’s coverage:

  • Bronze Plan ($52/month): The Bronze Plan is great for homeowners who only want protection for their appliances. It covers your refrigerator, cooktop, stove, clothes washer, clothes dryer, microwave, garbage disposal, and more. It’s more expensive than some other appliance-only plans, but it has extensive coverage, making it a great value.
  • Gold Plan ($52/month): The Gold Plan is Select Home Warranty’s systems-only plan. Rather than covering appliances, this plan includes protection for your plumbing, heating, and electrical system, plus air conditioners, HVAC ductwork, and water heaters.
  • Platinum Plan ($57/month): The Platinum Plan offers the most bang for your buck and is one of the best values in the industry. It covers everything in both the Bronze and Gold plans, but it adds protection for garage door openers, plumbing blockages, and ceiling fans. Even without these add-ons, the plan is an amazing value at just $5 more per month than the other options.

Select Home Warranty lets you customize your coverage by offering a wide range of add-on options. The below items can be added to any of the plans for a slightly higher monthly cost:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer

Best for Additional Benefits

AFC Home Warranty

4.3

Our Rating

Limited Time:
$200 off + free roof leak coverage

AFC Home Warranty has the best additional benefits for its home warranty plans, including a lifetime repair guarantee, homeowner contractor selection, and fast claims processing. The company offers four home warranty plans that provide coverage for a range of appliances and home systems. In addition, AFC has 11 optional plan riders available to cover additional items. These optional add-ons can be beneficial for homes in Michigan that have less common appliances and systems, such as pools, well pumps, septic systems, and double ovens.

  • Our Take: Best Additional Benefits
  • Average Annual Cost: $419.88-$779.88
  • Response Time: Up to 48 hours
Lifetime guarantee on repairs
Choose your own contractors
Choose your own contractors
30-day waiting period on claims
Lower caps for some items
Exclusions for certain components

AFC offers four plans for Michigan homeowners. The Systems Plan covers home systems only, and the Silver Plan covers just appliances. The Gold and Platinum plans combine the Systems and Silver plans into one, with the Platinum covering three additional items. 

  • System Plan ($50 per month): The System Plan protects six home systems, including AC units, heating systems, plumbing systems, electrical systems, and ductwork.
  • Silver Plan ($43 per month): The Silver Plan protects nine home appliances, including a dishwasher, clothes washer, clothes dryer, refrigerator, oven, garbage disposal,  and garage door opener. 
  • Gold Plan ($57 per month): The Gold Plan protects all 15 items covered in the Silver and System Plans at a lower bundled price.

Platinum Plan ($62 per month): This Platinum Plan covers the same items as the Gold Plan plus ice makers, built-in microwaves, and attic fans.

Exclusions and Coverage Limits

AFC Home Warranty has several plan exclusions and a 30-day waiting period for new plans. During this waiting period, new customers are not eligible for reimbursements greater than $150. Here is a complete list of all the exclusions in AFC’s plans.

  • Cooktop, oven, and range: Double ovens are excluded.
  • Ductwork: Ductwork that is not sized correctly or crushed isn’t covered.
  • Electrical system: No coverage for low-voltage, DC, or circuit wiring systems, certain exterior components like faceplates and switches. Damage from power outages is not covered as well.
  • Garage door openers: Damage to the overhead door, tracks, or spring assemblies connected to your electric garage door opener is excluded from coverage.
  • HVAC systems: Oil-based HVAC systems, chiller units, window air conditioners, portable air conditioners, roof jacks, flues, and vents are not covered.
  • Plumbing stoppages: Collapsed, frozen, and pipes damaged by tree roots are excluded.
  • Plumbing systems: Cracks and damage requiring a plumber to use a camera snake for inspection are excluded.
  • Water heater: Valves, flues, and solar water heaters are plan exclusions.

AFC has coverage limits of $3,000 per item per year. Some items, such as faucets, have lower limits. For a complete list, please request a sample contract from AFC.

AFC offers 11 optional add-ons for Michigan homeowners to protect more appliances and systems. Each add-on ranges from $25 to $300 per year.

  • Central vacuum – $25 per year
  • In-ground pool – $100 per year
  • In-ground pool and spa – $150 per year
  • Double oven – $25 per year
  • Electronic coverage – $300 per year
  • Hot water dispenser – $25 per year
  • Sump pump – $35 per year
  • Well pump – $50 per year
  • Roof leak repair – $25 per year
  • Septic system – $50 per year
  • Stand-alone freezer – $25 per year

Home Warranties in Michigan Cities


What Is a Home Warranty?

A home warranty is a protection plan for your assets that will offer financial assistance for unforeseen expenses due to home system and appliance repair. A home warranty plan directly lowers your out-of-pocket costs for unexpected issues, such as plumbing emergencies, electrical issues, refrigerator breakdowns, and dishwasher leaks. The standard start of a home warranty is about 30 days after the home warranty policy is established, after which you can submit claims for coverage until your coverage caps are reached.

Home warranty plans typically charge a monthly fee as well as a service fee, which averages around $85. However, these fees combined are still often lower than the price of financing your home repairs out of pocket.

A home warranty plan is utilized to cover costs due to appliances or home systems breaking down or experiencing issues because of normal wear. Typically, a home warranty plan will have three coverage categories: appliances, major systems, and add-on coverages.

Some appliances often covered in a home warranty plan include garbage disposals, refrigerators, dishwashers, microwaves, washers, dryers, and more. The systems covered in a home warranty plan typically include electrical systems, water heaters, air conditioners, heating systems, and potentially even a septic system.

If the plan that you select does not fully cover everything that you would like, you can choose add-on services to cover these items as well. Typical add-on services include pest control, sewer line, locksmith, and others.

It is important that Michigan homeowners check their service contracts for the specific details on what is covered, as this does differ between plans. While one company may offer pool coverage but not jet coverage or liners, another company may include these items by default. It is essential to be fully informed of your choice of home warranty plan and that you understand the limitations. Otherwise, you may have unexpected charges if something is damaged that was not covered by your home warranty.

A home warranty plan does not cover all repairs. Some common exclusions include appliances or systems that are not properly maintained, intentional damage to covered items, and pre-existing conditions in your home. Additionally, any damage caused by an extreme weather event or a natural disaster would be covered by a homeowners insurance plan, not a home warranty plan.

How Does a Home Warranty in Michigan Work?

Setting up a home warranty is a straightforward and simple process. You will choose which service provider would best suit your needs, select the specific plan that covers what you’re looking for and fits within your budget, and then pay for the plan. You can also choose to add further services or add-on coverages if the base plan that you selected does not perfectly fit your needs.

Once you’ve taken the steps to protect your home and your budget and have paid for the home warranty, you will have access to the home warranty services within a period of 10 to 90 days. Requesting service is simple:

  1. First, identify an issue in your home that is covered by your home warranty plan
  2. Second, submit a claim with your home warranty service provider either through their online system or over the phone
  3. Now that you’ve submitted a claim, it will be assigned to a local contractor or repair person
  4. Claims are usually dealt with within a 24 to 48-hour period. The only cost to the homeowner should be the service fee, which averages around $85.

Home Warranty vs. Homeowners Insurance

Although home warranties and home insurance policies are often compared, there are some key differences between these two protection plans. While both home warranties and home insurance policies provide financial assistance when something has gone wrong, the key differences include the severity of issues covered, protection offerings, and overall costs to you as the homeowner.

Home insurance policies can typically only be used in times of an emergency or catastrophe, like a severe weather event or natural disaster. Home warranties, on the other hand, provide coverage in more common scenarios, such as an appliance breaking due to regular use or routine plumbing, electrical, HVAC, or heating issues.

The items that home insurance policies and home warranties cover also differ. Homeowner insurance covers the whole house and provides a single payout for any major damage to the home. Home warranties are more targeted and provide protection for individual appliances and home systems, therefore covering any necessary routine maintenance, repair, or appliance or system component replacement.

The total cost of each protection plan will also differ between home warranties and home insurance policies. A home warranty plan typically requires a monthly fee and a small service fee, which averages around $85 per service call. A home warranty plan will cover up to its coverage caps which can be as low as $1,500 or up to $3,000 or more, depending on the situation and the specific plan. Home insurance typically requires a sizable deductible when an emergency strikes, costing up to several thousand dollars in most cases. Once this deductible is paid to the home insurance company, the insurance will cover a high limit of damages.


Biggest Complaints about Home Warranty Companies in Michigan

Most homeowners who take advantage of home warranty coverage are pleased with the service they receive. However, there are some complaints we see somewhat often in customer reviews from Michigan residents.

One of the most common issues we see is a denial of coverage for items that are included in the service contract. In some rare cases, this can occur if you signed up with a disreputable home warranty company, as they can sometimes wrongfully deny coverage to save money. More often, this happens because of exclusions in the service contract, like denial for damage that occurred because of a failure to maintain a system or appliance. Make sure you read through your service contract and understand it fully before signing.

Another common issue we see is customers complaining about out-of-pocket costs that are higher than they expected. Most home warranties have coverage caps, which are the maximum payout amounts for each covered item per year. If a single service call — like a refrigerator replacement or major repair to your HVAC system — ends up costing more than the coverage cap, you’ll have to pay the difference plus the service fee. Again, make sure you understand your coverage limits before signing up for a home warranty.

More Michigan Resources


Are Home Michigan Warranties Worth It?

A home warranty is very often a worthwhile investment to protect your assets if you ever find yourself in need of a contractor or a technician to complete any type of repair or replacement. If you have to pay for these costs out-of-pocket, it will usually be a much higher price than if you had a home warranty plan. Unless you are able to fix your home appliances and systems on your own, a home warranty is a smart investment, regardless of whether you have just moved into a new home or have lived in your current home for decades.

The value of a home warranty is most clear when you do the math on what a common repair would cost you without a warranty plan. For example, a basic service call to a plumber or electrician can easily cost over $300. Major repairs, like boiler issues or service lines, can cost thousands of dollars. Appliance repair can also cost between $200 to $400, and replacement costs can total over $2,500 for certain appliances. If you have an established home warranty plan, your cost will average around $85.

A home warranty plan not only alleviates the potential financial burden of appliance and system wear and tear but also provides you with peace of mind that your investments are protected. They are particularly useful for providing peace of mind for sellers in the real estate market — who can often offset buyer-required repairs prior to closing — and home buyers moving into a new home.

Our Top Pick
Best for Customization
VISIT SITE
Limited Time:
$200 Off + 2 Months free + Free Roof Leak Coverage
Best Coverage Limits
AHS Logo
VISIT SITE
Limited Time:
40% Off Our Most Popular Plan
Best Customer Ratings
VISIT SITE
Limited Time:
$150 Off + 1 Month Free
Best Claims Acceptance
choice home warranty logo
VISIT SITE
Limited Time:
$50 Off + 1 month free!

FAQs about Home Warranties in Michigan

What is a service fee?

A service fee is a price you pay when you need a repair on one of your covered items. Repairs can turn into replacements after the home is inspected and it is determined what the issues are. Service call fees tend to range in price from $60 to $150, and they average around $85.


What is the best home warranty company in Michigan?

Choice Home Warranty is the best home warranty company in Michigan. With impressive coverage choices, comprehensive plans, and more than 13 years in the industry, Choice Home Warranty makes homeownership quite a bit less stressful. With the fair pricing that Choice Home Warranty offers, it could be a smart choice for your Michigan home.


What home warranties cover roof leaks?

Many different home warranties cover roof leaks and roof damage. Some plans — like those from Select Home Warranty — include roof coverage as a part of their preset plans, while others offer roof coverage as an add-on service for an additional monthly fee. You should always check your service contract for information on roof leak coverage if you’re specifically looking for that option.



Today's Homeowner Home Warranty Ranking Methodology

At Today’s Homeowner, we strive to bring you the most transparent, accurate information for your home improvement projects. Our home warranty company ratings emphasize what matters most to you — whether you’re looking for low-cost coverage, a hassle-free repair process, 24/7 assistance, or all of the above.

Our ratings are based on publicly available information about each company, secret shopping online and over the phone, customer-review analysis, and discussions with real estate professionals and repair contractors.

A company can earn a maximum of 100 points across six categories converted to a five-star scale. We researched more than 60 home warranty providers to develop the following formula:

  • Plans and Coverage (24 points): A home warranty provider can earn the maximum point value in this category if it offers multiple robust plans that cover all basic systems and appliances and optional add-on coverage. We give bonus points to companies that cover uncommon items, such as electronics and roof leaks.
  • Affordability (22.5 points): When evaluating costs, we not only consider monthly plan prices, but we also take into account the cost of add-on coverage, service fees, and whether companies offer free cancellation periods or money-back guarantees. If a provider allows potential customers to view sample contracts before getting a quote, that transparency earns more points in this category.
  • Customer Experience (18.5 points): A home warranty company must give its customers ample support when they experience issues. We gauge overall support by looking at customer reviews and conducting homeowner surveys. We also go through the quotes process with each company and take meticulous notes about the friendliness of salespeople, how detailed each quote is, and how often the provider contacts us after giving a quote. 
  • Company Reputation (17.5 points): In this category, we look at a combination of customer reviews and reputable organizations such as the Better Business Bureau (BBB). We also consider the years of company experience, how satisfied its employees are, and whether it has been hit with any consumer rights violations or lawsuits. 
  • Claims Process (12.5 points): We score providers highly when they offer short response times, multiple ways to file claims, and around-the-clock availability. Companies can earn bonus points if they have a good reputation for quick and easy claims processing.
  • Availability (5 points): Providers that serve more areas can have experience dealing with a wider range of homeowner headaches. A company earns the maximum points in this category if it offers services in most U.S. states.

We monitor company data on an ongoing basis to keep rankings and information up to date.

Editorial Contributors
avatar for Dan Simms

Dan Simms

Contributor

Dan Simms worked in real estate management for five years before using his experience to help property owners maintain their own homes. He got his master’s degree in English Literature and Creative Writing, and he now enjoys sharing his knowledge about homeownership and DIY projects with others on Today’s Homeowner. When he’s not writing, he’s usually outdoors with his wife and his dog, enjoying mountain biking, skiing, and hiking.

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Roxanne Downer

Editor

Roxanne Downer is a commerce editor at Today’s Homeowner, where she tackles everything from foundation repair to solar panel installation. She brings more than 15 years of writing and editing experience to bear in her meticulous approach to ensuring accurate, up-to-date, and engaging content. She’s previously edited for outlets including MSN, Architectural Digest, and Better Homes & Gardens. An alumna of the University of Pennsylvania, Roxanne is now an Oklahoma homeowner, DIY enthusiast, and the proud parent of a playful pug.

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