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Last Updated: February 25, 2025
Homeownership in Fort Gratiot comes with lots of perks, but it also comes with worries and concerns. Your home’s appliances and systems will eventually need repairs, and this could mean a huge expense. A home warranty is a way to protect your savings from unexpected expenses. With a home warranty in place, your repair costs can be considerably lower and give you some peace of mind.
Finding the best home warranty on the market can be overwhelming, as there are lots of companies to choose from. That’s why our team at Today's Homeowner did the research and put together a list of the top home warranty companies in Fort Gratiot for you.
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
Liberty Home Guard is the most trustworthy home warranty for Fort Gratiot residents. Liberty has over 6 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Liberty has 3 plans for homeowners to choose from. When you purchase a plan 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.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 per covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281. To read more, visit our 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
Choice Home Warranty is the best overall home warranty for Fort Gratiot residents. Choice has over 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Choice has 2 plans for homeowners to choose from. When you purchase a plan 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.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 per covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. To read more, visit our 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
Select Home Warranty is the most cost-effective home warranty for Fort Gratiot residents. Select has over 11 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Select has 3 plans for homeowners to choose from. When you purchase a plan 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.
There are 3 home warranty plans from Select Home Warranty: 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 around $2,000 per covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or call 888-370-3953. To read more, visit our 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
American Home Shield is the most customizable home warranty for Fort Gratiot residents. AHS has over 26 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. AHS has 3 plans for homeowners to choose from. When you purchase a plan 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.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 per covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or call 888-365-2839. To read more, visit our 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
First American Home Warranty is the best home warranty for appliance coverage for Fort Gratiot residents. First American has over 39 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. First American has 2 plans for homeowners to choose from. When you purchase a plan 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 per covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. To read more, visit our 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
Cinch Home Services is the home warranty with the best workmanship guarantee for Fort Gratiot residents. Cinch has over 44 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. Cinch has 3 plans for homeowners to choose from. When you purchase a plan 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.
There are 3 home warranty plans from Cinch Home Services: 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 around $1,000-$2,000 per covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or call 877-589-0505. To read more, visit our 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
The Home Service Club is the best home warranty with the quickest service for Fort Gratiot residents. HSC has over 15 years of experience in the home warranty industry, and has provided excellent customer service at an affordable cost to its customers. HSC has 2 plans for homeowners to choose from. When you purchase a plan 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.
There are 2 home warranty plans from The Home Service Club: 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 around $2,000 per covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443. To read more, visit our 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 | $5,860 |
| Heating | $3,906 |
| Electrical | $586 |
| Toilets | $488 |
| Washer/Dryer | $781 |
| Plumbing | $586 |
| Oven | $1,563 |
| Fridge | $586 |
A home warranty is a protection policy that helps Fort Gratiot homeowners in reducing the expenses of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that malfunction due to normal wear and tear. When something stops working, you submit a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners reassurance by helping avoid high-priced emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, people with newer homes and working appliances may not need a home warranty.
Home warranties safeguard both your home systems and appliances. Common covered appliances include microwaves, dishwashers, washers, refrigerators, garbage disposals, dryers, and others. Covered systems include plumbing, electrical, heating, and air conditioning. Many home warranty plans also offer add-on coverage options for locksmiths, central vacuums, septic systems, and even roof leaks. Fort Gratiot homeowners should know that most home warranty plans impose a 30-day waiting period before repairs are covered. What's more, most policies only address repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, natural disasters, cosmetic issues, or misuse of a system or appliance. Make sure to keep up with preventative maintenance to help ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should understand key terms like:
When choosing a home warranty provider, there are several key factors to consider:
Home warranty plans can have major differences in covered items. Most plans provide protection for heating, electrical, plumbing, AC, and appliances. More comprehensive options also include coverage for other items such as spas, roof leaks, pools, and well pumps. Focus on companies with an expansive array of coverage choices including upgraded plans. This flexibility enables you to customize protection for your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. As this charge applies to every separate claim, some homeowners prefer to choose a provider with more affordable fees to maximize savings on every claim. Some companies also do away with deductibles when customers have a claim-free period.
A home warranty company's track record provides insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Look at third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Favorable reviews and ratings indicate a provider known for stellar service.
Home warranty providers use networks of local repair professionals to manage repairs in a given area. Reach out to potential businesses to ask how many repair technicians they have in Fort Gratiot and get an idea of how quickly your repairs could be handled in an emergency. Larger networks increase the probability of getting qualified contractors to quickly service your home.
Certain home warranty providers offer extras such as energy-efficient upgrades, protection for smart home devices, and discounts on maintenance. These bonuses can offer extra value beyond repair coverage. Extra perks help improve your home and help maximize your home warranty.
Since temperatures in Fort Gratiot can be quite cold in the winter, the weather can put a lot of strain on your HVAC system. Getting a home warranty can help homeowners save money if one of these systems or appliances stops working suddenly.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of needing to vet service technicians yourself, home warranty providers do the work for you and send pre-screened technicians right to your door when you need them. Plus, though it varies by company, some providers will let you transfer your warranty in the event that you sell your home. This can make your house more attractive to potential homebuyers and maybe even help your home sell faster.
Home warranties also have some drawbacks. While it can save you time when the home warranty sends out a service technician who takes care of the repair for you, some may not like this, and they would rather choose their own contractor. If that’s the case for you, some home warranty companies let you choose a contractor.
Another thing to consider is that some providers don’t cover pre-existing issues and may require an inspection before coverage begins. Ask the home warranty company for clarification about it if you aren’t sure or if this is an issue for you.
A home warranty in Fort Gratiot can cost between $30 and $60 a month. The higher-priced plans typically have higher coverage limits, broader coverage, and a lower service fee. You can often lower this cost by paying annually instead of monthly. Some companies will also lower your up-front costs when you agree to 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 helps protect against normal wear and tear to home systems and appliances. A homeowners insurance plan protects a home in case of something such as a natural disaster or fire. With a homeowners insurance plan, 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 is somewhat common in Fort Gratiot.
Homebuyers, homeowners, real estate agents, home sellers, 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.
The different home warranties in Fort Gratiot include plans with coverage for either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, including your dishwasher, washing machine, and heating and cooling systems. A plan that only covers appliances or systems will cover only the specific items listed in the contract.
Generally, a home warranty policy lasts for a year and can be renewed yearly. Some providers may offer month-to-month plans.
In general, the homeowner is the one who is responsible for paying 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 given to the new homeowner, who has to pay the service fees. In Fort Gratiot, where the median value of a home is $250,718, having the seller pay for the home warranty can save you some money on your new home.
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