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Last Updated: February 25, 2025
Although homeownership in Dearborn Heights has a lot of benefits — such as the convenience of city life — there are also downsides. One major hassle many homeowners have to deal with at some point is replacing or repairing their home systems and appliances. A home warranty can offer you the peace of mind you need and safeguard your bank account from large expenses by covering your home’s major systems and appliances.
Finding the best protection for your home can be difficult, so our team at Today's Homeowner has compiled this guide to help you find the best home warranty companies in Dearborn Heights. Keep reading for our top provider recommendations.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Dearborn Heights, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been in the home warranty industry for around 6 years. When you buy a policy from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Liberty Home Guard are Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to about $3,000 per covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. To read more, visit our full review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Dearborn Heights, Choice Home Warranty offers the best overall home warranty. Choice has been in the home warranty industry for around 15 years. When you buy a policy from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and offer both system and appliance coverage.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to about $3,000 per covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. To read more, visit our full review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Dearborn Heights, Select Home Warranty offers the most cost-effective home warranty. Select has been in the home warranty industry for around 11 years. When you buy a policy from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Select Home Warranty are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Select’s service fees are a reasonable $60, and the coverage caps come out to about $2,000 per covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. To read more, visit our full review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Dearborn Heights, American Home Shield offers the most customizable home warranty. AHS has been in the home warranty industry for around 26 years. When you buy a policy from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer both system and appliance coverage.
The 3 plans from American Home Shield are ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to about $2,500 per covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. To read more, visit our full review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Dearborn Heights, First American Home Warranty offers the best home warranty for appliance coverage. First American has been in the home warranty industry for around 39 years. When you buy a policy from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. The 2 plans from First American are easily comprehensible and offer both system and appliance coverage.
The 2 plans from First American Home Warranty are Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to about $1,500 per covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. To read more, visit our full review of First American Home Warranty.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Dearborn Heights, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been in the home warranty industry for around 44 years. When you buy a policy from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer both system and appliance coverage.
The 3 plans from Cinch Home Services are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to about $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. To read more, visit our full review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Dearborn Heights, The Home Service Club offers the best home warranty with the quickest service. HSC has been in the home warranty industry for around 15 years. When you buy a policy from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easily comprehensible and offer both system and appliance coverage.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to about $2,000 per covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. To read more, visit our full review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,224 |
| Heating | $4,149 |
| Electrical | $622 |
| Toilets | $519 |
| Washer/Dryer | $830 |
| Plumbing | $622 |
| Oven | $1,660 |
| Fridge | $622 |
A home warranty is a protection plan that assists Dearborn Heights homeowners reduce the costs of appliance and system repairs. The plans offer coverage to repair or replace appliances and systems that malfunction due to normal wear and tear. When something breaks down, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the repair or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty delivers peace of mind for homeowners by helping them prevent expensive emergency repairs. They're particularly valuable for those who own older homes or ones with outdated systems. Newer homes with modern appliances probably don’t need a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include dishwashers, washers, microwaves, refrigerators, garbage disposals, dryers, and more. Included systems are typically plumbing, electrical, air conditioning, and heating. Many home warranty companies provide add-on coverage for septic systems, locksmiths, central vacuums, and roof leaks. It's important for Dearborn Heights homeowners to understand most home warranty plans have a waiting period of 30 days before repair claims will be approved. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include natural disasters, pre-existing conditions, cosmetic issues, or misusing a system or appliance. Stay current with preventative maintenance to help guarantee your next repair or replacement is covered.
There are several home warranty terms to learn before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranties vary widely in terms of included coverage. Basic plans typically cover AC, electrical, plumbing, heating, and appliances, while more comprehensive options may also cover spas, pools, roof leaks, and well pumps. Look for providers with a diverse range of coverage options, including upgraded plans. This helps you customize your plan to your needs.
With any home warranty claim, you'll pay a repair fee that typically ranges between $60 and $100, which gets paid per repair request filed. The costs from multiple fees can add up. You may decide to look for providers with lower service fees to maximize your savings on each claim. Some providers also offer disappearing deductibles for customers who don't file any claims over a certain timespan.
A home warranty provider's reputation gives insight into things such as approval rates, contractor quality, repair timeliness, and customer satisfaction. Use review platforms such as Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to research providers. Good ratings and feedback indicate a company known for exceptional service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Contact potential companies to learn the number of repair technicians they have in Dearborn Heights and get an idea of how fast your repairs could be handled in an emergency. Wider networks raise the chance of getting qualified contractors to quickly service your home.
Home warranty companies often include bonuses such as coverage for smart home devices, maintenance discounts, and energy efficiency upgrades. These add value beyond repair coverage. Added perks maximize the usefulness of your home warranty.
Since temperatures in Dearborn Heights can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down unexpectedly.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of having to vet service technicians by yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. A home warranty can also yield value in other ways. For example, some policies can be transferred to another owner when you sell your home.
There are also some downsides to buying a home warranty plan, like the coverage exclusions. For example, home warranties may not cover systems or appliances that already have a manufacturer's warranty.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Dearborn Heights can cost between $30 and $60 a month. The higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some companies will also decrease your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a larger insurance that protects the entire home from natural disasters, which can be a concern in Dearborn Heights. It doesn't cover a normal appliance or system damage.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your house more attractive to prospective buyers and save you money in the long run.
The different home warranties in Dearborn Heights include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover many of your home systems and appliances, such as your washing machine, drier, and plumbing. A plan that only covers appliances or systems will cover only the specific items listed in the policy.
Home warranty plans usually offer coverage for a year. Many providers let you renew your plan annually, and some offer month-to-month plans as well.
Usually, the homeowner is the one who pays the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Dearborn Heights, where the median home value is $187,967, having the seller pay for the home warranty can be a good asset for your new home.
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