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.

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Michigan’s Top 4 Home Warranty Companies

The highest-rated home warranty companies in Michigan include these:

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 and Cons

Here are a few highlights for American Home Shield:

✔ Offers 24/7 customer service
✔ Has generous coverage caps on major systems and appliances
✔ Provides optional coverage for guest units and electronics

✘ Doesn’t offer many optional add-ons

Plans and 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.

Fill out American Home Shield’s quote form or call 844-529-9298 for your free quote.

Learn more: American Home Shield Review


 

Liberty Home Guard

Liberty Home Guard (LHG) is a top pick for homeowners who wish to cover multiple heating and cooling systems. LHG offers coverage for two air conditioning and HVAC systems per service contract, whereas other providers cover second systems as an add-on. LHG also offers great coverage customizability with more than 30 unique add-on coverage options, plus exclusive discounts for select home appliances.

Pros and Cons

Compare a few key pros and cons for Liberty Home Guard:

✔ Extends a 60-day workmanship guarantee for completed repairs
✔ Offers more than 30 unique add-on coverage options
✔ Covers up to $2,000 per covered item

✘ Lacks initial transparency regarding service call fee range
✘ Requires you to file a claim as soon as an issue is discovered

Plans and Pricing

LHG provides three plans for your home protection needs: the Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard covers nine major appliances. The Systems Guard protects six major systems, and the Total Home Guard combines appliance and systems coverage into one comprehensive plan.

LHG plans range from $49 to $60 per month. Its service call fee range of $65 to $125 per filed claim is assigned based on your home’s size, location, and type as well as your plan selection.

Fill out Liberty Home Guard’s quote form or call 866-452-9107 for your free quote.

Learn more: Liberty Home Guard Review


 

Select Home Warranty

Select Home Warranty is another solid choice for Michigan homeowners who value comprehensive HVAC coverage at an affordable price. It provides a $3,000 coverage cap for heating and air conditioning systems, a low $75 service call fee, and plans for less than $50 per month. Select also includes roof-leak repair coverage up to $400 per year in each plan it offers.  

Pros and Cons

Here are a few key highlights to help you decide whether Select is right for you:

✔ Provides a generous coverage cap of $3,000 for HVAC systems
✔ Allows claims to be filed within two days (rather than as soon as discovered)
✔ Includes roof-leak coverage in every plan (up to $400 annually)

✘ Applies low coverage caps on covered items ($2,000 for HVAC, $500 for electrical, plumbing, and appliances, and $400 for add-ons)
✘ Excludes coverage for items with preexisting conditions

Plans and Pricing

Select provides coverage for your home’s systems and appliances via its Bronze Care, Gold Care or Platinum Care plan. The Bronze Care plan covers eight major appliances and the Gold Care plan covers six major systems. The Platinum Care plan includes all 14 systems and appliances plus plumbing stoppages and garage-door openers coverage.

Expect to pay between $44 and $48 per month plus a $75 service call fee per filed claim for Select Home Warranty coverage.  

Fill out Select Home Warranty’s quote form or call 888-370-3956.

Learn more: Select 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 and Cons

Check out our list of key pros and cons for First American coverage:

✔ 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 and 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
Fill out First American Home Warranty’s quote form or call 800-891-9778 to request your free quote.

Learn more: First American Home Warranty Review


 

Our Conclusion

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 comprehensive coverage, Liberty Home Guard provides more than 30 unique add-on coverage options, 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.

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Frequently Asked Questions


 

Our Rating Methodology

The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers, and we aim to provide transparency in our review standards and research process.

Our research process includes speaking with representatives from more than 40 home warranty providers, requesting quotes, and asking clarifying questions to gain insight into each provider’s benefits and downsides. We also analyze sample contracts from each company to understand specific coverage terms.

To rate companies, we apply the data we have gathered to our review standards. These standards are on a 100-point scoring system, which is detailed below:

  • Coverage (35 points): Providers are scored based on breadth and depth of coverage. We focused on key home systems (HVAC, plumbing, and electrical), essential appliances (refrigerator, ovens, and laundry machines), and unique coverage items (such as roof-leak coverage and code violation allowances). Coverage scores are weighted by taking into account coverage caps and other limiting factors, meaning providers with greater range of coverage and higher coverage caps score the highest.
  • Value (30 points): A company’s plan value is a reflection of how well it serves the customer in comparison to what the customer pays for the policy. We accounted for monthly costs, service call fees, and cost flexibility (such as customizable service call fees, discounts, and multi-year policies).
  • Trustworthiness and Transparency (21 points): Trustworthiness and transparency are a reflection of how well the provider considers the customer’s interests. We scored items such as the length of workmanship guarantees, online availability of a sample contract, policy change flexibility, and ease of cancellation. Additionally, we scored items that reflect industry reputation and customer satisfaction, including analyzing brand reputation across the Better Business Bureau and third-party customer review aggregators.
  • Availability and Service (14 points): Quality of customer service is key to customer satisfaction. We dug into each provider’s guaranteed response times, claims processes, service flexibility, emergency availability, and more.

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