A Michigan home warranty will lower the amount you have to pay out of pocket for a covered repair or replacement, meaning you won’t be left with a freezing home if your heating system breaks down.
Since there are a variety of home warranty companies available, the This Old House Reviews team compared the best home warranty companies in your state, analyzing price, plans, and coverage details. Keep reading to learn more.
Michigan’s Top 3 Home Warranty Companies
The highest rated home warranty companies in Michigan include:
- American Home Shield: Best Overall
- Choice Home Warranty: Best Basic Plan
- First American Home Warranty: Best Appliance Coverage
The best home warranty companies in Michigan will provide homeowners with coverage on both systems and appliances, offer flexible payment options, and have a customer service team willing to help around the clock. Here are our top home warranty picks for Michigan residents.
American Home Shield
American Home Shield (AHS) is a veteran in the home warranty industry and has been in business for nearly 50 years. American Home Shield scored as our top overall company due to its reputation, willingness to cover old appliances, and generous coverage caps.
Pros & Cons
✔ Offers 24/7 customer service
✔ Has generous coverage caps on major systems and appliances
✔ Provides optional coverage for guest units and electronics
✘ Offers a short repair guarantee of 30 days
✘ Doesn’t offer many optional add-ons
Plans & Pricing
AHS offers the ShieldSilver™, ShieldGold™, and ShieldPlatinum™ plans. The ShieldPlatinum plan is among the most comprehensive warranties available to Michigan homeowners, covering 23 items around the home. Roof leak coverage and one HVAC tune-up are also included with the ShieldPlatinum plan.
American Home Shield plan pricing will vary based on the plan and service fee you choose. In general, an American Home Shield plan costs between $40 and $58 per month. If you choose a higher service fee of $100 or $125, your monthly premium will be cheaper.
Learn more: American Home Shield Review
Choice Home Warranty
Choice Home Warranty (CHW) has mastered affordable coverage with plan options under $45.00 a month. Compare the advantages and disadvantages of choosing Choice Home Warranty below:
Pros & Cons
✔ Claims to process service requests within 48 hours
✔ Provides a 90-day repair guarantee
✔ Doesn’t deny coverage based on the age of your systems and appliances
✘ Customers can’t build their own coverage
✘ Customers can’t choose their own service contractor
Plans & Pricing
Choice provides two plan options: the Basic Plan and Total Plan. The Basic Plan covers 14 major appliances and systems and the Total Plan covers everything under the Basic Plan, plus coverage for your air conditioner, washer, dryer, and refrigerator.
Choice Home Warranty plans range between $37.00–$44.00 per month, while service fees range between $60.00–$85.00 per service call.
Learn more: Choice Home Warranty Review
First American Home Warranty
First American Home Warranty (FAHW) has more than 30 years of home warranty experience and has served more than 590,000 customers.
Here are some benefits and drawbacks of choosing First American Home Warranty as your coverage provider:
Pros & Cons
✔ Has a First Class Upgrade that covers cosmetic damage, installation, and removal fees for appliances
✔ Offers a 30-day, money-back guarantee
✔ Provides flexible payment options
✘ Doesn’t include air conditioning coverage in plans
✘ Only offers two plan options
Plans & Pricing
First American offers two plans—a Basic Plan and a Premier Plan. The Basic Plan covers eight home appliances, like your microwave, garbage disposal, and refrigerator, and the Premier Plan covers those eight appliances and eight additional home systems like your plumbing and electrical.
Here’s a cost breakdown of First American plans:
- Basic Plan: $28.00 per month
- Premier Plan: $43.50 per month
Learn more: First American Home Warranty Review
Each of the providers listed in this review have a defining feature that make them competitive in the home warranty market. American Home Shield has customizable coverage, Choice Home Warranty is budget-friendly, and First American Home Warranty has a First Class Upgrade that covers items that have been improperly installed or maintained. Before you purchase a home warranty, get a free quote from all three providers to compare coverage and pricing.
Frequently Asked Questions about Michigan Home Warranties
What other home warranty companies are available in Michigan?
While American Home Shield, Choice Home Warranty, and First American Home Warranty are the best home warranty companies in Michigan, they aren’t the only companies that provide coverage for major systems and appliances. Other top providers include The Home Service Club, Select Home Warranty, America’s First Choice Home Club, and 2-10 Home Buyers Warranty.
Who needs a Michigan home warranty?
First-time home buyers, mobile home owners, real estate agents, and home sellers can all benefit from buying a home warranty. Not only does a home warranty provide peace of mind if a system or appliance breaks down, it covers unexpected repair or replacement costs.
What’s covered under a Michigan home warranty?
A home warranty will cover systems and appliances like your air conditioning, electrical, water heater, plumbing, refrigerator, dishwasher, clothes washer, and dryer that break down due to normal wear and tear. Most home warranty companies will also provide optional coverage for items like your pool, spa, septic tank, and well pump.
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