Written By Todays Homeowner Local Pros
Last Updated May 2023
Are you considering a home warranty? Go with one of our recommended home warranty companies. Homeownership in Dearborn comes with many perks, but it also comes with its challenges. Your home's appliances and systems will inevitably need repair, and this could mean a burdensome expense hitting your bank account suddenly.
A home warranty policy can help protect homebuyers and current homeowners by covering major repairs and replacements on your home's appliances and systems. Since the home warranty market is saturated with a variety of providers — all with different plans — the Today's Homeowner team decided to do the research for you to help you find the right home warranty in Dearborn.
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
Choice Home Warranty offers the best overall home warranty in Dearborn. Choice has over 15 years of experience in the home warranty market and in that time has built a a skilled network of service professionals nationwide. Choice has 2 simple plans, making the selection process and policy coverage easily comprehensible. Choice has established itself as a company with very high coverage caps and simple-to-understand service contracts. It also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty offers 2 plans for Dearborn homeowners. The Basic Plan and Total Plan are the options they have, which have a mix of system and appliance coverage. Choice's service fees are an affordable $85, and the coverage limits come out to around $3,000 per covered appliance or system.
To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164. For a more detailed breakdown, read our comprehensive review of Choice Home Warranty.
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, Select Home Warranty is the most cost-effective home warranty. Select has been in the home warranty industry for over 11 years. The 3 policies that Select offers include options for appliance and system coverage. Select offers a highly affordable service fee and free roof coverage upon purchase of a policy plan. Plus, it also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that offer a combination of appliance and system coverage. The coverage limits from Select are about $2,000. The service fees are a reasonable $60, which is less than other providers in the Dearborn area.
To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. Read more by visiting our Select Home Warranty Review.
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
American Home Shield offers the most customizable home warranty for Dearborn residents. AHS has been operating for more than 26 years, making it a respected company in the industry. The home warranty provider offers 3 plans to policyholders that have various system and appliance coverage options. AHS offers the ability to customize your plan with the coverages that work specifically for your home. Plus, it also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield offers 3 plans for Dearborn homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. The coverage limits from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Dearborn area.
Read our detailed review of American Home Shield to learn more. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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
The Home Service Club is the best home warranty with the quickest service in Dearborn. The 2 home warranty plans that HSC offers include options for appliance and system coverage. HSC has established itself as a company with quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. It also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The plans that HSC offers to homeowners are Standard Coverage Plan and Comprehensive Coverage Plan. HSC has coverage caps of around $2,000 for most appliances and systems, but some plans may have different coverage caps, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.
To read more, visit our thorough review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
In Dearborn, Liberty Home Guard is the most trustworthy home warranty. Liberty has more than 6 years of experience in the home warranty sector, and has provided exceptional customer service at an affordable cost to its customers. If you're looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, you'll want to have this plan on your side. Plus, it 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 a mix of both system and appliance coverage.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. The coverage caps associated with Liberty's plans are close to the $3,000 mark for many of the major systems and appliances, and service fees are an affordable $75.
For more information, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281.
Total Home Guard
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, First American Home Warranty offers the best home warranty for appliance coverage. First American has established itself as a company with very affordable and comprehensive appliance coverage. It 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 home warranty plans that First American offers include differing levels of system and appliance coverage, as well as add-on options.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American's service fees are a reasonable $85, and the coverage limits come out to about $1,500 for each covered system or appliance.
To read more, visit our review of First American Home Warranty. To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164.
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, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch offers a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Plus, it also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are comprehensive and offer a mix of both system and appliance coverage.
The plans that Cinch offers to homeowners are Appliances Plan, Built-in Systems Plan, and Complete Home Plan. The coverage caps associated with Cinch's plans are close to the $1,000-$2,000 mark for many of the major systems and appliances, and service fees are customizable and range from $75 to $150.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. Read more by visiting our review of Cinch Home Services.
Built-in Systems Plan
Complete Home 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|
A home warranty is a protection plan that covers home systems and appliances. When your refrigerator breaks down, and the repair will cost several hundred dollars, a home warranty will make sure that your only responsibility is a predetermined service fee. Home warranty companies often don't require an inspection, and you can generally start using it about 30 days after purchasing the policy.
Filing a claim with your home warranty company is very easy. There will be an online portal or a direct phone number to request service for a repair or replacement.
At this point, you'll also need to pay your service fee. Once the repair person fixes the issue, they will take care of it at no cost to you. The only time a Dearborn homeowner may have to pay out-of-pocket costs is if the repair or replacement is over the item's coverage cap.
A home warranty will cover systems and appliances that have broken down from normal wear and tear. For instance, if your A.C. suddenly needs repairs under normal use conditions, you can call your home warranty provider. Common appliances covered by a home warranty include a dryer, refrigerator, washer, dishwasher, garbage disposal, microwave, and more. The systems that are usually covered will be heating, plumbing, air conditioning, and electrical systems.
Many plans also provide add-on coverage options for locksmiths, roof leaks, septic systems, and even central vacuums.
An important thing to note is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as cosmetic damages, lack of maintenance, misuse, and pre-existing conditions are excluded from the home warranty policy.
Temperatures in Dearborn can vary greatly throughout the year, which means your air conditioner and heating systems are most likely going to get a decent amount of use. As a homeowner in Dearborn, one of the benefits of having a home warranty is knowing that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Additionally, having a Dearborn home warranty can help make your house more appealing to potential homebuyers should you ever decide to sell later. Many home warranty companies will allow you to transfer your policy to a new owner and give them the same protection you've been receiving.
As for the downsides of home warranties, coverage varies by provider, so it's important to understand what each policy covers and excludes in the contract.
Another drawback is that home warranties may not include some repairs, like those needed because of natural disasters. For example, if a tree falls onto your house and damages the roof, the affected systems and appliances probably won't be covered by the home warranty.
Picking the best home warranty in Dearborn for your family comes down to the kind of coverage you're looking for, the home warranty company you go with, and your location, among other factors. Below is a list of factors that you'll want to keep in mind when picking a home warranty provider:
Our pick for the best overall home warranty provider in Dearborn is Choice Home Warranty, but the best company for you will depend on factors like what appliances and systems you need to have covered.
A home warranty plan covers the normal wear of systems and appliances in a home. A homeowners insurance plan protects a home in case of something such as a natural disaster or fire. With homeowners insurance, you won't be able to file a claim if you need a new refrigerator or stove, unless the damage is due to a natural disaster, which can be a threat in Dearborn.
Homebuyers, home sellers, homeowners, real estate agents, and landlords can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
Homeownership can be pricey, especially in a place in Dearborn where the cost of living is quite high. When a system or appliance breaks down, it can leave homeowners with an unexpected large expense to fix it. With a home warranty policy, you won't have any large hits to your bank account for home maintenance.
A Dearborn home warranty can cost anywhere from $40 to $80 a month. The higher-priced plans tend to have more coverage, higher coverage limits, and a lower service fee.
Most home warranty plans have a 30-day waiting period before you can file claims, but some may offer coverage sooner so be sure to check with the company about this.