A Michigan home warranty will lower your out-of-pocket costs for a covered repair or replacement. For instance, if you’re heating system breaks down in the middle of winter, your home warranty provider will send a reliable technician to repair it and cover the costs, minus your service call fee.
We compared the best home warranty companies nationwide and selected the top companies available in Michigan. We analyzed monthly costs, plan coverage details, and more.
Michigan’s Top 5 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 for 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.
Summary of the Best Home Warranty Companies in Michigan
How Are Home Warranties Regulated in Michigan?
Our research shows there isn’t a clear governmental body that oversees home warranty regulation. Michigan’s Department of Insurance and Finacial Services (DIFS) doesn’t classify service contracts as insurance, meaning the DIFS won’t enforce jurisdiction on service contract companies. However, the Joe Gagnon Appliance Repair Act gives Michigan homeowners additional protection when requesting appliance repair services from a service provider.
Michigan’s Attorney General’s Office also accepts complaints should your home warranty company neglect its contractual obligations. You can fill out the complaint form online.
How Much Does a Home Warranty Cost in Michigan?
On average, expect to pay $56 monthly for a Michigan home warranty plan. You’ll pay roughly $672 per year if you prefer an annual premium. These cost figures only include the coverage plan premium, not the service call fee.
Your total cost can vary significantly since most companies charge a service fee each time you request service. For example, if your home warranty company charges a $100 service call fee and you file three claims that year, you’ll pay an additional $300 plus your coverage plan cost.
We recommend doing a cost and benefits analysis to confirm whether the value of the home warranty meets or exceeds the cost of owning it. A home warranty may not be worth it if you own a new construction with brand-new systems and appliances.
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.
Factors To Consider Before Buying a Michigan Home Warranty
Due to Michigan’s harsh winters, it makes sense to consider a home warranty that provides generous HVAC coverage. However, your needs will dictate which coverage plan will work best for you. Here are some key points to consider when purchasing a home warranty:
- Claims process: Confirm with a home warranty company that it accepts claims outside normal business hours. Most companies accept claims 24/7 but won’t send a service provider until the next business day. Knowing this can prevent unrealistic expectations.
- Item condition: Ensure the items you want covered are in proper working condition. Most home warranty companies won’t approve a claim if they discover your items have preexisting conditions.
- Type of coverage: Determine what coverage you need before signing up with a home warranty provider. For instance, if you only need major appliance coverage, purchase a basic appliance-only plan from a company. Doing so can reduce your monthly premium.
Expert Takes on Home Warranties
We supplemented our home warranty research by sourcing experts across various industries associated with home warranties. We then asked them to answer common questions consumers ask about home warranties. Here are their answers:
- Do home warranties provide reimbursement options? According to Kurt Walker, who is associated with Mill City Home Buyers, some home warranty companies offer a cash payout in cases where a covered item requires replacement. “However, you must be aware that the cash payout might not cover the cost of replacement,” he warns.
- How can I tell if a home warranty company is reputable? Peter Evering, a business development manager at Utopia Property Management, says, “Reading customer reviews and ratings can provide insights into the experiences of other homeowners and help you gauge the level of customer satisfaction.”
- Why should I buy a home warranty? – Marcus Fernandez, attorney and co-owner of Kinney, Fernandez, and Boire Law, recommends combining a home warranty with your home insurance plan. “They go beyond what your homeowners insurance covers by catering to the inevitable wear and tear of home systems and appliances, which typically isn’t covered by insurance,” he says.
Each of the providers listed in this review has a defining feature that makes them competitive in the home warranty market. Liberty Home Guard provides more than 30 unique add-on coverage options. American Home Shield offers comprehensive coverage, and First American Home Warranty provides generous appliance coverage. Before you purchase a home warranty, get a free quote from all three providers to compare coverage and pricing.
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at firstname.lastname@example.org.