A Michigan home warranty will lower your out-of-pocket costs for a covered repair or replacement, meaning you won’t be left with a freezing home if your heating system breaks down.
The This Old House Reviews Team 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 4 Home Warranty Companies
The highest-rated home warranty companies in Michigan include these:
- Liberty Home Guard: Best Customer Ratings
- American Home Shield: Best Coverage Caps
- Select Home Warranty: Best Value
- First American Home Warranty: Best Appliance Coverage
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.
Liberty Home Guard
Liberty Home Guard (LHG) is our 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
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 provides coverage for items with preexisting conditions and generous coverage caps. AHS also includes coverage for improperly maintained or installed items, making it a solid provider for older homes.
Pros and Cons
Here are a few highlights for American Home Shield:
✔ Offers 24/7 customer service
✔ Includes 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 ShieldSilver covers major appliances, while the ShieldGold adds appliance coverage. The ShieldPlatinum plan covers all 23 items in the ShieldSilver and ShieldGold, roof-leak coverage and an annual HVAC tune-up.
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 $29 and $100 per month. It provides a $75, $100, and $125 service call fee. The higher the service call fee you select, the lower your monthly premium.
Learn more: American Home Shield 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:
✔ Offers generous roof-leak repair coverage
✔ Extends a 30-day, money-back guarantee
✔ Provides flexible payment options
✘ Doesn’t include air conditioning coverage in Starter plan
✘ Charges a $2 handling fee when selecting monthly premiums
Plans and Pricing
First American offers three plans: the Starter Plan, Essential Plan, and a Premium Plan. The Starter and Essential plans cover a variety of home appliances and systems, such as microwaves, garbage disposals, and refrigerators. First American pairs both plans with a $3,500 coverage cap per covered appliance. The Premium Plan increases its appliance coverage caps to $7,000 per appliance and covers additional systems and appliances.
You can expect to pay between $47 and $87 per month for First American coverage. In addition, it allows you to choose from a $75, $100, and $125 service call fee.
Learn more: First American Home Warranty Review
Our Conclusion
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.
Frequently Asked Questions
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 reviews@thisoldhousereviews.com.