We picked American Home Shield and Choice Home Warranty as the best home warranty companies in Michigan. American Home Shield offers high coverage limits on HVAC systems, a benefit for Michigan homeowners worried about staying warm or cool during the state’s seasonal weather. On the other hand, Choice Home Warranty can provide comprehensive home protection for affordable prices.
Home warranties can benefit all kinds of homeowners in Michigan, whether you want coverage for when your refrigerator malfunctions, or if you just want an emergency buffer for more expensive home systems. Read on for more details on what a home warranty is, what our top providers have to offer, and which company is best for your needs.
Key Takeaways
- American Home Shield ranks as Michigan’s top home warranty provider, aligning with our 2025 survey, where 32% of homeowners in the state chose the company for coverage.
- The average cost of a Michigan home warranty ranges between $45 and $86 per month, or $540–$1,032 annually.
- Nearly 55% of Michigan homeowners in our survey ranked heating or furnace systems as the top priority for home warranty coverage.
Top Home Warranty Companies in Michigan
Here are our top-rated home warranty providers in Michigan:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing Top Providers
The table below compares each top Michigan home warranty provider by essential metrics, including monthly cost, Better Business Bureau ratings, and service call fees. These fees are paid each time you request an item repair or replacement.
| Provider | Our Score (out of 5) | Service Call Fee* | State Availability | Better Business Bureau (BBB) Rating** |
|---|---|---|---|---|
$100–$125 | 49 states (ex. AK) | B | ||
$100 | 48 states (ex WA & CA) | B | ||
$70 ($150 for after hours and weekends) | 47 states (ex. CA, TX, & WI) | B | ||
$100–$125 | 35 states | B | ||
$75–$125 | 48 states (ex. CA & HI) | B |
*Pricing may vary depending on your home’s location, size, and type and your plan choices.
**The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of February 2025.
Our Reviews of Top Providers in Michigan
We reviewed the top home warranty companies in Michigan, paying close attention to important factors such as cost, coverage, and customer satisfaction. Read on to see what sets each of these providers apart from the competition.
American Home Shield
Coverage Overview
- Offers frequent promotional deals that can help lower plan costs
- Extends higher coverage limits than most competitors, including up to $4,000 for appliances
- Covers undetectable preexisting conditions, rust, and corrosion
Keep in Mind
- Rates may fluctuate more than with some competitors
- Charges higher service call fee rates, with two options of $100 or $125
Our Review
American Home Shield (AHS) is the only provider on this list that offers comprehensive coverage of preexisting conditions, or issues you didn’t notice before enrolling in coverage, including rust, corrosion, and sediment damage. This is a rare feature that could help you save on repairs, and every other company on our list excludes these damages. AHS also offers three plans that include home systems coverage, each with $5,000 limits on your HVAC system. This is a benefit for Michigan homeowners worried about the impact of seasonal weather on their heating and cooling systems.
While the ShieldSilver and ShieldGold plans are more affordable at $30 and $50, respectively, the highest-tier ShieldPlatinum plan is more pricey. However, it includes appliance and system coverage with roof leak repairs, one free HVAC tune-up, unlimited AC refrigerant, and code violations and permits.
Choice Home Warranty
Coverage Overview
- Guarantees to reach out to service providers within four hours after a claim is submitted
- Offers affordable comprehensive coverage for less than $70 per month
- Features 10 add-on coverage options
Keep in Mind
- Currently subject to a class-action lawsuit filed by the Arizona Attorney General’s Office in 2019
- Only offers two combination plans without options for systems-only or appliance-only coverage
Our Review
Choice Home Warranty offers some of the best rates for comprehensive coverage in the industry, giving the company an edge over the competition. The company’s rates are also consistent across the country, based on our quote process, so if you move to a different city in Michigan or even to a different state, you shouldn’t encounter major price hikes. One of Choice’s best features is its guarantee that it will reach out to service providers within just four hours of when you submit a claim. The industry average is 24–48 hours, making Choice a good option for homeowners who value quick service.
However, Choice is currently subject to a class-action lawsuit, and according to the Arizona Attorney General, the company “used contract exclusions, payment caps, and bad-faith refusals to avoid paying for repairs.” Choice currently has a 3.9 out of 5 star rating on Trustpilot with over 46,000 reviews—71% of which were left by satisfied or very satisfied customers. Still, customers should read reviews to learn more about service trends before choosing Choice Home Warranty as their home warranty provider.
Elite Home Warranty
Coverage Overview
- Charges a $70 flat-rate service fee, one of the lowest in our review
- Allows customers to customize their own plan from scratch
- Maintains a large number of positive customer reviews online
Keep in Mind
- Customers must speak with a representative to get a quote, rather than doing so online
- Charges higher service call fees for some appointments, including weekend visits
Our Review
The main feature that sets Elite Home Warranty apart from its competitors is its “Customize Your Own” plan, which lets you choose which major home appliances and systems you want covered. Because the plan is completely customizable, you only pay for the coverage you want. Another benefit is Elite’s flat-rate $70 service fee, which you owe each time you need a repair appointment. This is one of the lowest fees in the industry, whereas most companies average around $100–$125.
However, one of the drawbacks of Elite Home Warranty is its quote process. You have to call and speak to a representative to get a free quote since you can’t do it online. Every other service provider on this list allows customers to get a quote online within minutes. If you want to bypass the sales pitch and stick to digital communications, Elite may not offer the easiest process.
First American Home Warranty
Coverage Overview
- No pre-set coverage caps for home systems, based on our review of a sample contract
- Offers three plans that cover essential home systems such as plumbing and electrical
- Replaces items for free if a repair isn’t possible
Keep in Mind
- Doesn’t offer appliance-only or system-only plans
- May charge higher prices than other companies on our list
Our Review
First American Home Warranty has plenty of perks, but what really sets it apart is its coverage limits. First American covers up to $3,500 per appliance on its basic protection plans, which increases to $7,000 if you purchase the Premium Plan. This limit is higher than other providers on our list. With such high limits, customers can have peace of mind that they won’t have to dig into their own pockets for unexpected repair costs, even for luxury appliances. However, the company doesn’t have any pre-set coverage limits for most home systems, which essentially means as long as the item is covered, the company will fix it no matter the cost.
First American also offers a guarantee that if the company can’t repair your item, it’ll replace it for free. However, each of its plan options includes a mix of major appliances and home systems, so you can’t just cover one or the other. You also have to upgrade to the Essential Plan to cover basic items, such as air conditioning units, washers, and dryers, which could end up costing you a lot more in the long run because of higher monthly pricing.
AFC Home Warranty
Coverage Overview
- Members can choose their own technicians
- Charges lower service fees than most competitors, with options for $75–$125
- Features the longest workmanship guarantee in the industry that lasts the length of your plan
Keep in Mind
- Doesn’t cover unknown preexisting conditions, unlike competitors such as AHS
- Rates varied depending on when our team requested a quote
Our Review
AFC Home Warranty offers several perks that competitors don’t always match, including a lifetime workmanship guarantee and letting customers choose their own technician. While these features may not seem as important as a low monthly rate or high coverage limits, they can add value to your plan. With a lifetime workmanship guarantee, customers pay one service fee deductible, and if the same malfunction happens again during their contract term, AFC Home Warranty will fix it for free. Also, choosing your own technician means you can pick a local contractor you trust instead of the company providing you with one from its network.
However, AFC Home Warranty doesn’t offer the Silver Plan in Michigan, so if you are looking for cheaper, minimal home warranty coverage, the Gold Plan is as affordable as it gets. Additionally, AFC Home Warranty’s prices vary by location—and can also vary based on when you get a quote. In just a 24-hour period, we received two different quotes for the same address. One ranged from $45–$84, while the other ranged from $42–$80.
Our Experience Filing Claims
In addition to gaining insights from third-party sites and customer reviews, we purchased real home warranty policies and filed claims to see how our top providers operate firsthand. Our experience filing claims has been relatively straightforward. For example, one of our in-house testers signed up for an AHS plan and was happy with how easy his claims process was. It only took a few minutes to request service online, and he got a response from a local contractor within five minutes.
He made an appointment with the contractor the next day, and the job was done in under two hours. Our tester said that the contractor went above and beyond, giving suggestions for how to get rid of the residual mold from the leak that was fixed. Our tester has always been satisfied with the technicians that AHS sends to his home. AHS has consistently sent someone within 24 hours, and our test never paid more than his service call fee.
Home Warranty Costs in Michigan
Based on the quotes we received from our top providers, the cost of a home warranty in Michigan ranges from $45–$86, with an average plan rate of $66. This is on par with the national average of $55 per month.
Keep in mind that your rate will vary based on your location, coverage, and service fee selection. Some companies charge a lower monthly premium if you choose a higher service fee, so you can customize your monthly rate by adjusting your service fee to fit your budget.
| Provider | Monthly Cost Range* | Average Monthly Cost | Service Call Fee Options |
|---|---|---|---|
| American Home Shield | $24–$97 | $52 | $100–$125 |
| Choice Home Warranty | $60–$67 | $63 | $100 |
| Elite Home Warranty | $44–$59 | $52 | $70 |
| First American Home Warranty | $80–$133 | $105 | $100–$125 |
| AFC Home Warranty | $43–$82 | $59 | $75–$125 |
*Pricing may vary depending on your home’s location, size, and type and your plan choices.
**Liberty Home Guard will assign you a service fee depending on your plan, add-ons, and location.
How We Determined Home Warranty Pricing
We collected over 4,000 quotes from 13 companies across all 50 U.S. states to estimate home warranty costs in Michigan and nationwide. Using sample addresses for single-family homes under and over 5,000 square feet, we gathered data from urban and rural areas in Michigan, including Chatham, Grand Rapids, Lansing, and Troy. National pricing also includes sample quotes for single-family homes in the same size range. We then averaged these costs to determine state and national price ranges.
Survey Insights from Michigan Homeowners
In 2025, we surveyed 2,000 home warranty customers across the U.S. to understand their experience shopping for and using their plans. Among Michigan homeowners, 55% prioritized coverage for their heating or furnace systems, a crucial component considering the state’s harsh winters. Water heaters topped the list for appliance coverage, with 43% of state respondents selecting protection specifically for this item.
Beyond basic coverage, 45% of Michigan homeowners added roof leak protection, while nearly 26% opted for additional home system coverage. Whole-home protection was a priority for many Michigan residents, with 68% choosing a comprehensive plan covering systems and appliances. Regarding provider preference, nearly 32% selected American Home Shield, aligning with our pick as the best option for the state.
We also found high satisfaction rates among Michigan homeowners. Of those who filed a claim, 98% of respondents had it approved, with 48% receiving an item replacement and 39% getting a necessary repair. Overall, 90% of Michigan homeowners reported feeling satisfied or very satisfied with their plans. Their overall confidence in home warranties was strong, as 68% planned to renew their coverage at the end of their term.
How We Collected Our Survey Data
In 2025, we surveyed 2,000 homeowners across all 50 U.S. states to gather insights into their experiences with home warranty plans. The survey explored reasons for purchasing warranties, satisfaction with coverage options, and experiences with claims and customer service. We also examined factors such as pricing, add-on coverage choices, and homeowner intentions regarding renewals.
FAQs About Home Warranties in Michigan
How much is a home warranty in Michigan?
A home warranty policy in Michigan will typically range from $45–$86. The average plan costs $66 per month. Note that your rate can vary based on your selected coverage and location.
Is a home warranty a tax write-off?
Not usually. However, you may be able to deduct some or all of your home warranty costs if you own a rental property. If you purchase a home warranty for your rental property, it’s considered an operating expense.
What should I look for in a Michigan home warranty plan?
When shopping for a home warranty plan in Michigan, it is important to look at both the monthly cost and the coverage details. Read a service contract and pay close attention to the coverage limits for important items such as your heating system, especially considering winters in Michigan, electrical, plumbing, and more. These systems can have high repair and replacement costs, so make sure the coverage caps are sufficient enough to cover major breakdowns.
How We Evaluated Home Warranty Providers
We use our detailed rating methodology to rank Michigan home warranty providers. First, we gathered firsthand experience with each company by speaking with representatives, requesting quotes, thoroughly reading sample contracts, purchasing policies, and filing claims. Then, we ranked each provider on a 5-point scale according to our review standards using the factors below:
- Coverage: Covered items, coverage limits, and waiting periods are three of the biggest things to consider when choosing a Michigan home warranty provider. We awarded the most points to companies with more covered items, notably those of importance for Michigan homeowners, fewer exclusions, higher coverage caps, and a waiting period of 30 days or less.
- Cost: The monthly rate, service call fee, and additional charges all play a role in your overall home warranty cost. We gave higher ratings to providers with monthly rates of $60 or less for full coverage and flexible service fee options below $100.
- Trustworthiness: It’s important to choose a home warranty company you trust in the event an appliance or home system malfunctions. We considered BBB ratings, workmanship guarantees, customer reviews, current government lawsuits, and our firsthand experience with each provider when rating trustworthiness.
- Plan transparency: We recommend choosing a home warranty provider that gives you clear contract terms for your policy so you know exactly what is and isn’t covered. We awarded the most points to companies that offer transparent online pricing and sample contracts with clear coverage limits and specifics for the state of Michigan.
- Customer support: Being able to file claims quickly and easily is an important part of owning a home warranty policy. We gave higher ratings to companies that offer multiple ways to file claims, easy-to-use online portals, and fast response times.
- Flexibility: Every homeowner has different coverage needs, so flexibility is key for getting a plan that fits your home. We awarded points to companies that offer several plans, various add-on coverage options, multiple service fee choices, and give customers free cancellation within 30 days.
