clock menu more-arrow no yes

Best Home Warranty in Detroit, MI

Detroit’s cold, snowy winters can wreak havoc on a home’s heating and plumbing systems, as well as key appliances such as water heaters and furnaces. Consider investing in a home warranty to protect these essential home items when they break down due to normal wear and tear. Keep reading for our top home warranty picks for Detroit residents.

A Tudor style house in a downtown area with stone detailing and large front yard. Adobe

Repair bills for major systems and appliances can cost Detroit homeowners thousands of dollars every year, particularly for those who live in older homes. One way to reduce repair costs is to invest in a home warranty, which helps pay for repairs on essential home systems and appliances, such as your heating system and dishwasher, that break down due to normal wear and tear. Keep reading for the best home warranty services in the Detroit area.

Top 4 Home Warranty Companies in Detroit

The highest-rated home warranty companies in Detroit, MI, include:

  1. American Home Shield: Best Overall
  2. Choice Home Warranty: Best Basic Plan
  3. Cinch Home Services: Best Additional Perks
  4. Liberty Home Guard: Most Responsive

1. American Home Shield

For the best overall home warranty in Detroit, we recommend American Home Shield (AHS). This industry-leading provider has a large nationwide network of trusted contractors to perform repairs and a dedicated customer service department to take your calls any time of day or night.

All three of AHS’ home warranty plans provide comprehensive coverage for your home’s most essential items. The ShieldSilver plan covers important home systems, such as your air conditioning and heating, the ShieldGold plan covers systems and appliances, and the ShieldPlatinum plan covers everything in the ShieldGold plan and provides coverage for a few extra items, including a free HVAC tune-up and roof leak coverage.

American Home Shield Plans

Coverage ShieldSilver ShieldGold ShieldPlatinum
Coverage ShieldSilver ShieldGold ShieldPlatinum
Air conditioner
Heating unit
Ductwork
Built-in exhaust, vent, and attic fans
Main breaker and fuse panel box
Doorbells and chimes
Interior electrical lines
Ceiling fans
Garage door openers
Interior plumbing lines
Toilets
Faucets and valves
Whirlpool tub motor and components
Water heater
Refrigerator
Range/Cooktop
Oven
Dishwasher
Built-in microwave oven
Garbage disposal
Instant hot/cold water dispenser
Washer
Dryer
Roof leak repairs

American Home Shield Prices

American Home Shield’s service call fees, which you’ll pay each time a technician visits your home to make a repair or replacement, range between $75 and $125. You can choose a service call fee of $100 or $125 in return for a reduced monthly premium.

Below are sample quotes for all three American Home Shield plans.

Plan Pricing Breakdown

Plan Monthly Premium
Plan Monthly Premium
ShieldSilver $49.99
ShieldGold $59.99
ShieldPlatinum $74.99

Call American Home Shield at 844-529-9298 or fill out this simple online form for a free quote.

2. Choice Home Warranty

If budget is a primary concern and you want a basic coverage plan that covers the essentials, such as your air conditioning and refrigerator, Choice Home Warranty may be a good option. Choice’s Basic Plan covers both systems and appliances, including plumbing stoppages, and its Total Plan covers everything in the Basic Plan and adds coverage for your refrigerator, air conditioning, clothes washer, and clothes dryer.

Choice Home Warranty Plans

Coverage Basic Plan Total Plan
Coverage Basic Plan Total Plan
Heating system
Electrical system
Plumbing system
Plumbing stoppages
Water heater
Whirlpool bathtub
Oven/Range/Stove
Cooktop
Dishwasher
Built-in microwave
Garbage disposal
Ductwork
Garage door opener
Ceiling and exhaust fans
Air conditioning
Refrigerator
Clothes washer
Clothes dryer

Choice Home Warranty Prices

Choice’s Basic Plan starts at as low as $1 per day, and its Total Plan isn’t much more expensive per month. All of Choice’s plans come with an $85 service fee. Compare Choice Home Warranty’s plan prices below.

Plan Pricing Breakdown

Plan Monthly Premium
Plan Monthly Premium
Basic Plan $39.00
Total Plan $47.00

To find out how much a Choice Home Warranty plan will cost for your home, call 929-400-6165 or fill out this simple online form for a free quote.

3. Cinch Home Services

Cinch Home Services is known for providing customers with a variety of perks, in addition to comprehensive system and appliance coverage. Customers can receive protection for pre-existing conditions, discounts when purchasing new appliances, and air conditioner or water filter credits.

Like other top home warranty providers, Cinch offers three coverage plans. One of Cinch’s plans covers home appliances, one covers systems, and one covers both. If you purchase the Complete Home plan, you may qualify for a reimbursement if you have to pay money toward the deductible on your homeowners insurance.

Cinch Home Services Plans

Coverage Appliances Built-In Systems Complete Home
Coverage Appliances Built-In Systems Complete Home
Washer/Dryer
Cooktop
Dishwasher
Built-in food center
Built-in microwave
Freestanding ice maker
Range/Exhaust hood
Refrigerator
Built-in trash compactor
Oven
AC and heating (including ductwork)
Attic/Ceiling fans
Central vacuum
Doorbells
Electrical system
Garage door openers
Garbage disposals
Instant hot/cold water dispenser
Plumbing system
Smoke detectors
Sump pump
Water heater
Built-in jetted bathtub
Homeowners insurance deductible reimbursement

Cinch also offers coverage for the following add-ons:

  • Pool (heater included)
  • Spa (heater included)
  • Pool with spa (heater included)
  • Septic tank/pumping
  • Well pump
  • Premier Upgrade Package

Cinch Home Services Prices

Similar to American Home Shield, Cinch lets you choose between three service call fees: $100, $125, or $150. Below is a breakdown of monthly plan pricing depending on which service fee you choose.

Plan Pricing Breakdown

Plan $100 Service Fee $125 Service Fee $150 Service Fee
Plan $100 Service Fee $125 Service Fee $150 Service Fee
Appliances $45.00 $52.00 $62.00
Built-in Systems $40.00 $46.00 $56.00
Complete Home $35.00 $40.00 $50.00

Call Cinch Home Services at 844-979-0899 or fill out this easy online form to get a free quote.

4. Liberty Home Guard

Liberty Home Guard (LHG) is one of the most responsive home warranty companies in the industry and can send a technician to your home within 24–48 business hours of you submitting a service request. Not to mention, it has an online portal where customers can track service requests and submit reviews of their experience.

Liberty Home Guard offers three coverage plans, in addition to a variety of add-on coverage options for your pool, spa, well and sump pumps, and more. Compare Liberty Home Guard’s coverage plans below.

Liberty Home Guard Plans

Coverage Systems Guard Appliance Guard Total Home Guard
Coverage Systems Guard Appliance Guard Total Home Guard
Air conditioning system
Heating system
Ductwork
Plumbing system
Electrical system
Water heater
Washer/Dryer
Refrigerator
Built-in microwave
Dishwasher
Garbage disposal
Range/Oven/Cooktop
Ceiling/exhaust fans
Garage door openers

In addition to its three plans, Liberty Home Guard offers 30 optional add-ons, including:

  • Pool and spa
  • Sump pump
  • Well pump
  • Central vacuum
  • Additional spa
  • Septic system pumping
  • Stand-alone freezer
  • Limited roof leaks
  • Lighting fixtures
  • Re-key services
  • Gutter cleaning
  • Pest control
  • Carpet cleaning
  • Water softener
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Second refrigerator
  • Trash compactor
  • Ice maker (in-fridge)
  • Freestanding ice maker
  • Wine cooler/fridge
  • Saltwater pool
  • Generator
  • Plumbing fixtures
  • Grinder pump
  • Water dispenser water line
  • Instant hot water dispenser
  • Reverse osmosis system

Liberty Home Guard Prices

Liberty Home Guard has a service call fee of $80 for one-year plans and a service call fee of $70 for multi-year plans, providing flexibility for homeowners who want to pay a lower deductible. Below is a breakdown of Liberty Home Guard’s plan prices with an $80 service call fee.

Plan Pricing Breakdown

Plan Monthly Premium
Plan Monthly Premium
Appliance Guard $39.99
Systems Guard $49.99
Total Home Guard $59.99

For a free estimate, call Liberty Home Guard at 866-452-9107 or fill out this simple online form.

What Does a Home Warranty in Detroit Cover?

A home warranty covers repairs and replacements for covered items that wear out during the course of normal use. Common systems and appliances that are covered include:

  • Refrigerators
  • Dishwashers
  • Clothes washers
  • Clothes dryers
  • Ovens
  • Ranges
  • Stoves
  • Cooktops
  • Air conditioning systems
  • Heating systems
  • Electrical systems
  • Plumbing systems
  • Ductwork
  • Garage door openers
  • Garbage disposals

Some home warranty companies, such as American Home Shield, will also cover damage resulting from insufficient maintenance, rust, corrosion, or sediment. Read your home warranty contract for a full list of coverages and exclusions.

Benefits of a Home Warranty in Detroit, MI

A Michigan home warranty can provide peace of mind by covering repairs on major systems and appliances that unexpectedly break down due to normal wear and tear. No matter how old your home is or how old its appliances and systems are, your home warranty will cover most items for the cost of a small service fee.

Additionally, you won’t have to go through the hassle of finding a contractor who can perform the necessary repairs. Most home warranty companies have a network of pre-approved technicians that they trust to perform a repair or replacement.

How Much Does a Home Warranty Cost in Detroit?

In general, a home warranty costs between $30 and $60 per month. Since the cost of living in Detroit is 3.8% lower than the national average, according to Salary.com, a Detroit home warranty will be in the middle to lower end of the $30–$60 range.

Our Conclusion

Homeowners in Detroit can’t go wrong with any of the four providers on our list. Although American Home Shield is our top overall pick for Detroit residents for its comprehensive coverage and flexible service call fees, it may not be the best option for everyone. We ultimately recommend getting a free quote from multiple home warranty providers to compare coverage plans and pricing in your area.

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations. Our rating system for home warranty providers is on a 100-point scale based on seven factors:

  • Plan options (25)
  • Coverage specifics (5)
  • Pricing (25)
  • Trustworthiness (25)
  • State availability (5)
  • Customer service (10)
  • Additional benefits (5)

Our Reviews Team reviewed 45 companies and we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. Read more on our methodology here.

Frequently Asked Questions

Do you have to buy a home to purchase a home warranty?

Although most home buyers and sellers have a home warranty, you don’t have to purchase a home or be involved in a real estate transaction to receive home warranty coverage. You can purchase a protection plan at any stage of homeownership.

Do home warranties cover a roof replacement?

Some home warranty providers, such as American Home Shield, will cover roof leak repairs above inhabited areas of the home. However, replacing a roof is an extremely expensive task and isn’t covered by most home warranty companies.

How much is a home warranty deductible?

In general, home warranty deductibles, also known as service call fees, range from $65 to $125. This is the fee you’ll pay directly to the contractor when they visit your home to diagnose or fix a problem.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.