Expert Advice On Improving Your Home

7 Best Home Warranty Companies in Delta, MI

Written By David Cusick

Last Updated February 2024

Although homeownership in Delta has a lot of benefits — such as being surrounded by nature — there are also downsides. One major headache many homeowners have to deal with inevitably is replacing or repairing their home appliances and systems. A home warranty can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.

Finding the best warranty for your home can be difficult, so our team at Today's Homeowner has done the research to help you find the top home warranty companies in Delta. Keep reading for our home warranty recommendations.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

The 7 Best Home Warranty Companies in Delta

Liberty Home Guard

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 Delta, Liberty Home Guard offers the most trustworthy home warranty. Liberty has been operating for more than 6 years, making it a respected company in the industry. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process easy.

Liberty Home Guard has 3 plans that provide a combination of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $75.

To read more, visit our full review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.

Appliance Guard

Systems Guard

Total Home Guard

Service fee: $75.00 Monthly cost: $69.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $74.99
Items covered: Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser
Service fee: $75.00 Monthly cost: $79.99
Items covered: Ceiling Fan , Cooktop exhaust fan , Disposal , Dishwasher , Dryer , Garage door , Microwave , Oven , Refrigerator , Refrigerator ice maker , Washer , Air Conditioner , Bath exhaust fan , Ductwork , Electrical , Heating system , Plumbing , Plumbing stoppages , Toilet , Water heater Add-on items: Pool , Saltwater pool , Spa , TV , PC , Pump , Generator , Free-standing ice maker , Septic tank pumping , Roof leaks , Pests , Water softener , Well pump , Wine refrigerator , Septic , Sprinkler , Locksmith , Trash compactor , Sump pump , Vacuum , Stand-alone freezer , Water dispenser

Choice Home Warranty

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 Delta, Choice Home Warranty offers the best overall home warranty. Choice has been operating for more than 15 years, making it a respected company in the industry. 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 has 2 simple plans, making the selection process easy.

Choice Home Warranty has 2 plans that provide a combination of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are an affordable $85.

To read more, visit our full review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.

Basic Plan

Total Plan

Service fee: $85.00 Monthly cost: $45.00
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer
Service fee: $85.00 Monthly cost: $53.33
Items covered: Ceiling fan , Cooktop exhaust , Dishwasher , Disposal , Ductwork , Electrical , Garage door opener , Heating system , Oven , Microwave , Plumbing system , Toilet , Water heater , AC , Washer , Dryer , Refrigerator Add-on items: Pool , Spa , Septic , Well pump , Roof leaking , Septic tank , Sump pump , Vacuum , Stand-alone freezer

Select 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 Delta, Select Home Warranty offers the most cost-effective home warranty. Select has been operating for more than 11 years, making it a respected company in the industry. Select has established itself as a company with a highly affordable service fee and free roof coverage upon purchase of a policy plan. It also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 simple plans, making the selection process easy.

Select Home Warranty has 3 plans that provide a combination of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $60.

To read more, visit our full review of Select Home Warranty. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.

Bronze Care Plan

Gold Care Plan

Platinum Care Plan

Service fee: $60.00 Monthly cost: $57.67
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $57.67
Items covered: Air Conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks
Service fee: $60.00 Monthly cost: $62.08
Items covered: Disposal , Dishwasher , Dryer , Microwave , Oven , Refrigerator , Washer , Air conditioner , Ductwork , Electrical , Heating system , Plumbing , Water heater , Ceiling fan , Garage door , Plumbing stoppages Add-on items: Pool , Spa , Septic , Sprinkler , Stand-alone freezer , Vacuum , Well pump , Sump pump , Roof leaks

American Home Shield

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 Delta, American Home Shield offers the most customizable home warranty. AHS has been operating for more than 26 years, making it a respected company in the industry. AHS has established itself as a company with the ability to customize your plan with the coverages that work specifically for your home. It also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 simple plans, making the selection process easy.

American Home Shield has 3 plans that provide a combination of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $125.

To read more, visit our full review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.

ShieldSilver

ShieldGold

ShieldPlatinum

Service fee: $75.00 - $125.00 Monthly cost: $29.27 - $44.27
Items covered: Air Conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Locksmith , Plumbing , Plumbing stoppages , Toilet , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $39.27 - $54.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Washer , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump
Service fee: $75.00 - $125.00 Monthly cost: $59.27 - $74.27
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Garage door , Heating system , Locksmith , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Roof leaks , Toilet , Trash compactor , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Spa , PC , TV , Septic , Well pump

First American Home Warranty

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 Delta, First American Home Warranty offers the best home warranty for appliance coverage. First American has been operating for more than 39 years, making it a respected company in the industry. 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. First American has 2 simple plans, making the selection process easy.

First American Home Warranty has 2 plans that provide a combination of system and appliance coverage. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are a reasonable $85.

To read more, visit our full review of First American Home Warranty. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.

Basic Plan

Premier Plan

Service fee: $85.00 Monthly cost: $38.00
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Microwave , Oven , Refrigerator , Trash compactor , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade
Service fee: $85.00 Monthly cost: $48.50
Items covered: Attic fans , Ceiling fans , Cooktop exhaust fan , Dishwasher , Disposal , Dryer , Ductwork , Electrical , Garage door , Heating system , Microwave , Oven , Plumbing system , Plumbing stoppages , Refrigerator , Toilet , Trash compactor , Vacuum , Water heater , Washer , Water dispenser Add-on items: Pool , Spa , Air conditioner , Septic tank , Septic , Well pump , First-class upgrade

Cinch Home Services

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 Delta, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has been operating for more than 44 years, making it a respected company in the industry. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 simple plans, making the selection process easy.

Cinch Home Services has 3 plans that provide a combination of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.

To read more, visit our full review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.

Appliances Plan

Built-in Systems Plan

Complete Home Plan

Service fee: $75.00 - $150.00 Monthly cost: $34.99 - $50.99
Items covered: Cooktop exhaust fan , Dishwasher , Dryer , Food center , Free-standing ice maker , Microwave , Oven , Refrigerator , Refrigerator ice maker , Trash compactor , Washer Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $39.99 - $57.99
Items covered: Air conditioner , Smoke alarm , Attic fans , Bath exhaust fans , Ceiling fans , Disposal , Doorbell , Ductwork , Electrical , Garage door , Heating system , Plumbing , Plumbing stoppages , Septic tank pumping , Spa , Sump pump , Toilet , Vacuum , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump
Service fee: $75.00 - $150.00 Monthly cost: $49.99 - $67.99
Items covered: Air conditioner , Alarm , Attic fans , Bath exhaust fans , Ceiling fans , Cooktop exhaust , Dishwasher , Disposal , Doorbell , Dryer , Ductwork , Electrical , Food center , Free-standing ice maker , Garage door , Heating system , Microwave , Oven , Plumbing , Plumbing stoppages , Refrigerator , Refrigerator ice maker , Septic tank pumping , Spa , Sump pump , Toilet , Trash compactor , Vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Pool , Septic , Well pump

The Home Service Club

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 Delta, The Home Service Club offers the best home warranty with the quickest service. HSC has been operating for more than 15 years, making it a respected company in the industry. 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. HSC has 2 simple plans, making the selection process easy.

The Home Service Club has 2 plans that provide a combination of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $65 to $90.

To read more, visit our full review of The Home Service Club. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.

Standard Coverage Plan

Comprehensive Coverage Plan

Service fee: $60.00 - $95.00 Monthly cost: $50.40
Items covered: Air conditioner , Ceiling fan , Dishwasher , Garbage disposal , Dryer , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Plumbing , Refrigerator , Trash compactor , Central vacuum , Washer , Water heater Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Service fee: $60.00 - $95.00 Monthly cost: $62.90
Items covered: Air conditioner , Alarm wiring , Attic fans , Ceiling fan , Dishwasher , Garbage disposal , Doorbell , Dryer , Ductwork , Electrical system , Food center , Free-standing ice maker , Garage door opener , Heating system , Microwave , Oven , Pest control , Phone , Plumbing , Plumbing stoppages , Refrigerator , Sump pump , Toilet , Trash compactor , Central vacuum , Washer , Water dispenser , Water heater , Whole house fan Add-on items: Utilities and home service line coverage (outside gas line, outside water line, outside sewer line, sprinkler system , Pool , Spa , Water softener , Roof leaks , Well pump , Pump , Stand-alone freezer
Today's Homeowner Ranking Methodology

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:

  • Company Experience
  • Real User Reviews
  • Company Reputation
  • Accreditations and Licenses
  • Service Area
  • Customer Service
Have questions about our methodology or company ratings? Reach out to FindAPro@TodaysHomeowner.com.

Cost of Common Home Repairs in Delta

Home Appliance Repair Cost
Air Conditioner $5,894
Heating $3,930
Electrical $589
Toilets $491
Washer/Dryer $786
Plumbing $589
Oven $1,572
Fridge $589

How Does a Home Warranty Work?

A home warranty is a protection policy that helps reduce the high costs for Delta homeowners needing appliance and system repairs. These plans provide coverage to fix or swap out appliances and systems that break due to normal wear and tear.

Homeowners file a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty plan gives homeowners a sense of security because it can help avoid costly emergency repairs. They can be especially helpful for people purchasing older homes or homes with appliances near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.

What Does a Home Warranty Cover?

Home warranties cover many home systems and appliances. Covered appliances normally include washers, dryers, garbage disposals, dishwashers, microwaves, refrigerators, and others. Covered systems include air conditioning, heating, electrical, and plumbing. Many home warranty providers also offer add-on coverage for septic systems, roof leaks, central vacuums, and locksmiths. Delta homeowners should know that most home warranty plans have a 30-day waiting period before repairs are covered. What's more, most policies only cover the cost of repairs and replacements resulting from normal wear and tear. Home warranties don't include cosmetic issues, pre-existing conditions, natural disasters, or misuse of a system or appliance. Remember to keep up with preventative maintenance to help make sure your next repair or replacement is covered.

Key Home Warranty Terms to Know

Before signing a home warranty contract, you should know key terms like:

  • Coverage limits: How much money your warranty provider will pay for specific repairs or replacements. Check limits on repairs for things like air conditioning units, appliances, and roof leaks.
  • Contract rate: A pre-negotiated rate that your home warranty provider has worked out with contractors. This rate is typically less than what you would pay retail.
  • Endorsements: Additional coverage for systems like well pumps, pools, and septic, which usually comes with a fee for each add-on.
  • Claim approval: The process by which your provider determines whether a requested repair or replacement is covered under your warranty.
  • Deductible: How much you pay for a covered repair before your warranty covers the rest. Deductibles can be per-claim or yearly.
  • Trade call fee: An additional fee that's sometimes required to appliance-related claims.
  • Service fee: The amount you pay our of pocket per claim for access to a contractor and repair coverage.
Keeping these terms and key points in mind will help you understand home warranty contracts and pricing, so you can pick the right plan and protect your most important home systems. Discuss coverage details with potential providers when you get a quote to avoid surprise fees.

Key Factors in Choosing a Home Warranty Company

There are several key factors to consider when choosing a home warranty provider:

Coverage Options

Home warranties have significant variation in what they include. Basic plans typically provide protection for electrical, heating, plumbing, AC, and appliances, while more comprehensive plans may also cover roof leaks, spas, pools, and well pumps. Look for providers with flexible coverage choices, including upgraded plans. This allows you to customize your plan to your needs.

Service Fees

Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, you may want to choose a company with more affordable fees to maximize savings on every claim. Some providers also eliminate deductibles if a customer goes a period of time without filing any claims.

Reputation

A home warranty company's reputation provides insight into things such as approval rates, contractor quality, repair timeliness, and customer service. Check review platforms such as the Better Business Bureau (BBB), Google Reviews, or TrustPilot to research providers. Positive ratings and feedback indicate a company known for exceptional service.

Contractor Network

Home warranty companies use networks of local repair contractors to manage repairs in a given area. Contact potential providers to learn the number of repair professionals they have in Delta and get an idea of how fast your repairs could be handled in an emergency. Wider networks improve the probability of getting qualified contractors to promptly service your home.

Added Benefits

Some home warranty companies include perks such as reduced maintenance fees, energy efficiency upgrades, and smart home device coverage. These extras can offer extra value beyond just repair coverage. Extra bonuses let you enhance your home and get the most from your home warranty.

Is a Home Warranty Worth it in Delta?


Benefits of a Home Warranty

Since temperatures in Delta can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Having a home warranty plan can help homeowners save money if one of these systems or appliances stops working unexpectedly.

Not only can a home warranty save you money on repairs and replacements, it saves you time as well. Instead of having to vet service technicians by yourself, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. Another added benefit of having home warranty coverage is that it can increase your home’s real estate value. If you ever decide to sell your house, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.

Downsides of a Home Warranty

As for the downsides of home warranties, system and appliance coverage varies by provider, so it’s important to read what each plan covers and doesn’t include in the contract.

Another downside is that home warranties may not include some repairs, like those due to natural disasters. For example, if your house floods, the impacted systems and appliances most likely won’t be covered by the home warranty.

Our Recommended Providers

Best for Customization
4.5/5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best For First Time Homeowners
4.2/5
  • 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
Best Claims Acceptance
4.1/5
  • Comprehensive coverage
  • Decent coverage caps
  • No exclusions for older homes

Frequently Asked Questions About Home Warranty in Delta, MI

A home warranty in Delta can cost anywhere from $30 to $60 a month. The higher-priced plans typically have higher coverage limits, a lower service fee, and broader coverage. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.

The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty protects against normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your entire home in case of something such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new washing machine or dishwasher, unless the damage is a result of a natural disaster, which isn't that common in Delta.

A home warranty can help investors, real estate agents, homeowners, home sellers, and homebuyers. It can offer peace of mind to anyone involved with homeownership.

The different home warranties in Delta include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan will cover almost all your systems and appliances, including your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the specific items listed in the contract.

Home warranty plans usually last a year. Many companies let you renew your plan each year, and some offer month-to-month options as well.

In general, the homeowner is the one who pays the premium and service fees. However, if you have just bought a new home, sometimes the seller will pay for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Delta, where the median value of a home is $245,418, having the seller pay for the home warranty can save you some money on your new home.

Other Delta, MI Home Services