Best Home Warranty Companies in Michigan (2022)

By Kathleen McCoy

Homeownership in Michigan has something for everyone. If you enjoy small towns or big cities you will be able to find a home that works for your needs. Michigan homeowners love the beautiful landscapes and access to outdoor activities. However, homeownership in Michigan also comes with its fair share of headaches.

In our guide featuring the best home warranty companies in Michigan, we will give you information on:

  • How to choose the best home warranty 
  • Why do Michigan homeowners need a home warranty 
  • What the best companies in Michigan are for home warranties

Having a home warranty in place means that you will have protection against large and unpredictable expenses related to system and appliance repair. When your refrigerator or your HVAC experiences a problem, a home warranty will step in and help cover the costs. It can be hard to choose the best home warranty companies on the market because there are so many options. If you have started this process and become frustrated, you are in the right place. Keep reading as we help you choose the best home warranty in Michigan.

Michigan Top 5 Home Warranty Companies

There are dozens of Michigan home warranties to choose from. We compared things such as customer reviews, BBB rating, policy limits, add-on choices, service fees, and more. Here is how the top five plans in Michigan ranked. 

  1. Choice Home Warranty: Best Overall 
  2. American Home Shield: Best Customizable Plans 
  3. Select Home Warranty: Most Cost-Effective Plans 
  4. Liberty Home Guard: Most Trustworthy
  5. First American Home Warranty: Best for Appliances
Provider Website Best For… Monthly Cost Service Fee Years in Business BBB
Choice Home Warranty CHW Best Overall Basic Plan: $45/month

Total Plan: $53.33/month

$85 13 B-
American Home Shield AHS Best Customizable Plans ShieldSilver: $34.99-$49.99/month

ShieldGold: $44.99-$59.99/month

ShieldPlatinum: $59.99-$74.99/month

$75-$125 50 B
Select Home Warranty SHW Most Cost-Effective Plans Bronze Care Plan: $57/month

Gold Care Plan: $57/month

Platinum Care Plan: $63/month

$75 9 B
Liberty Home Guard LHG Most Trustworthy Appliance Guard: $64.99/month

Systems Guard: $69.99/month

Total Home Guard: $74.99/month

$60 2 A
First American Home Warranty  First American Best Appliance Coverage Basic Plan: $38/month

Premier Plan: $48.50/month

$85 37 B+

1. Choice Home Warranty

Best Overall

  • 2 plans available + optional add-ons
  • Has over 11 years of industry experience
  • 90-day repair guarantee
  • $46–$55 per month with $85 service fee

Choice Home Warranty is the best overall home warranty in the state of Michigan. The Choice Home Warranty company has 13 years of experience and a strong list of coverage options for customers to choose from. Customer service and simplicity are essential features of the Choice Home Warranty plan. The service contract is easy to understand and has minimal fine print. Customers find that the Choice Home Warranty service is fast, and they have a high approval rate for claims made against covered items. With access to this plan across almost the entire country, Choice Home Warranty quickly takes the top spot on our list. 

There are two Choice Home Warranty policies to choose from. What makes these policies unique is that they have a mix of appliance and system coverage. Having both appliance and system coverage helps to give people peace of mind about their entire Michigan home. In addition, Choice Home Warranty offers add-on coverage for customers that want to feel as though they have customized their policy a bit. 

The add ons to the Choice Home Warranty plan include: 

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer
Plan Price Per Month Price Per Year
Basic Plan  $45 $560
Total Plan $53.33 $660

The Choice Home Warranty service fee is $85. This is about average and helps to make the Choice Home Warranty even more affordable. 

Choice will not deny your application for a home warranty just because your appliances are older. This is a company that knows what they are doing and makes this entire process easy on the homeowner. You will notice that you will have decreased stressed about homeownership as soon as you sign up for the Choice Home Warranty plan.

To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164.  

For more information, read our Choice Home Warranty Review.

2. American Home Shield

Best Customizable Plans

  • 3 plans + add-ons and the option to build your own plan
  • Customers can choose the service fee they want to pay
  • Provides generous coverage caps
  • $35–$75 per month

American Home Shield is the most customizable plan in Michigan. The American Home Shield plan allows you to build out a policy that works for the specific needs of your Michigan home. The American Home Shield company has been on the market for more than 50 years; they are genuinely one of the leaders in the home warranty industry. American Home Shield prides itself on impressive coverage, excellent customer service, and providing a premium home warranty plan. This is an option that even allows you to customize the pricing that works for your budget. 

There are three American Home Shield warranties to choose from. The two combo plans tend to be the best overall options to consider as they offer both system and appliance coverage. In addition, AHS is known for the add-on coverage that it offers for things like electronics, pools, and spas. If you have some special features to your Michigan home, American Home Shield will be able to accommodate you. 

Some of the add on coverage that you can get with the American Home Shield warranty includes:

  • Electronic extended warranty
  • Pool and spas
  • Well pump
  • Septic pump
  • Guest unit
  • PC and TV
Plan Price Per Month Price Per Year
ShieldSilver Systems Plan $39.99 $479.88
ShieldGold Combo Plan  $49.99 $599.88
ShieldPlatinum Combo Plan $64.99 $779.88

The American Home Shield plan has a service fee that will change based on your monthly fee. For those with a higher monthly payment, the service fee can be as low as $75. For those with a lower monthly payment, expect pricing closer to $150. 

American Home Shield is truly the leader in premium home warranty coverage for your Michigan home. If you want only the best and are not concerned with paying a few dollars more, American Home Shield is the best plan on the market.

To get a free quote from American Home Shield, you can fill out this form or call 888-365-2839

To read more, visit our American Home Shield review.

3. Select Home Warranty

Most Cost-effective Plans

  • 3 plans ranging from $52-$58 per month + optional add-ons
  • Provides free roof leak coverage
  • Covers rental properties, mobile homes, manufactured homes, single-family homes, and condos
  • Affordable service fee of $60

The Select Home Warranty is the most cost-effective home warranty plan for Michigan homeowners. Adding a home warranty to a pre-existing monthly budget can be a tough decision. As great as home warranties are, there is still a cost involved. However, with Select Home Warranty, the costs are reasonable and fair. The company has been on the market for close to ten years, and they have built up a strong network of qualified repair technicians and contractors. Each Select Home Warranty policy also comes with free roof leak coverage. 

There are three Select Home Warranty policies to choose from. You can pick between a systems plan, an appliance plan, and a combo plan. As you will quickly notice, the combo plan is only a few dollars more per month but offers more than double the coverage. The combo plan or Platinum Care plan tends to be the most popular of all the choices from Select. There are add-on coverage options in addition to the free roof coverage for homeowners that have a central vacuum or a spa. 

The add ons or options coverages from Select Home Warranty are:

  • Pool
  • Spa
  • Septic system
  • Well pump
  • Sump pump
  • Lawn sprinkler system
  • Roof leaks
  • Central vacuum
  • Stand-alone freezer
Plan Price Per Month Price Per Year
Gold Care $52.00 $579.99
Bronze Care  $52.00 $579.99
Platinum Care $58.00 $649.99

The service fee from Select Home Warranty is one of the lowest on the market. For just $60, you can get your covered item repaired quickly and efficiently. 

The whole concept of having a home warranty in place is so that you can save money. The Select Home Warranty policy helps you do this right from the start with fair policy pricing and low service fees. For budget-conscious Michigan homeowners, this is a smart plan to choose.

Select Home Warranty will give you a free quote after filling out this form or calling 888-370-3953.

Read our Select Home Warranty review to learn more.

4. Liberty Home Guard

Most Trustworthy

  • 3 plans ranging $65-$75 with 20 optional add-ons
  • Has a 60-day workmanship guarantee on all repairs
  • Customer service available 24 hours a day, seven days a week
  • BBB’s only A+ accredited home warranty provider

Liberty Home Guard is the most trustworthy home warranty in the state of Michigan. After only two years in the home warranty industry, Liberty Home Guard has managed to earn and maintain an A rating with the BBB. It takes attention to detail and serious customer service dedication to earn this rating. Although Liberty Home Guard is a new company, they have put together a strong list of covered items that could work for any Michigan home. 

Similar to Select Home Warranty, Liberty Home Guard offers three plans to choose from. A system plan, an appliance plan, and a combo plan. The pricing of the Liberty Home Guard plans is a little higher than some others on the market, yet the list of covered items is quite long. In addition, Liberty Home Guard has one of the longest lists of add-on coverages in the home warranty market. Everything from a water softener to a trash compactor can be added to an LHG plan. 

The add on coverage from Liberty Home Guard is quite extensive and includes things like:

  • Pool and spa
  • Additional spa
  • Saltwater pool
  • Gutter cleaning
  • Floor/carpet cleaning
  • Sump pump
  • Fixtures
  • Water softener
  • Trash compactor
  • Lawn sprinkler system
  • Electronics protection
  • Swamp cooler
  • Ejector pump
  • Septic system pumping
  • Limited roof leak
  • Pest control
  • Locksmith
  • Free-standing ice maker
  • Central vacuum
  • Stand-alone freezer
  • Re-key
  • Second refrigerator
  • Wine refrigerator
  • Well pump
  • TV and PC
  • Generator
  • Water dispenser 
Plan Price Per Month Price Per Year
Appliance Guard $64.99 $649.99
Systems Guard $69.99 $699.99
Total Home Guard $74.99 $749.99

Although we mentioned that the overall pricing of Liberty Home Guard is a bit higher, the service fee is just $60. The overall value of Liberty Home Guard is a good one. 

When you read the reviews and information from customers of Liberty Home Guard, it is easy to see why they are so happy with their home warranty plan. Fair pricing, a long list of coverages, and speedy service are an excellent formula for earning that BBB rating of A.

To get a free quote from Liberty Home Guard, fill out this online form or call 866-451-2281

To learn more information, visit our Liberty Home Guard review.

5. First American Home Warranty

Best Appliance Coverage

  • 2 plans + optional add-ons
  • Covers improperly installed or maintained items
  • No cap on coverage for HVAC
  • $38–$48.50 per month

First American Home Warranty is the best home warranty for appliance coverage in Michigan. Appliances are used day in and day out, and they tend to have issues when it comes to repairs and breakage. The First American Home Warranty has been in the market for close to 37 years. They specialize in an affordable appliance plan that makes the home warranty buying decision quite a bit easier than you may have thought. It will only take a few repairs to ultimately justify the cost of the entire policy. 

There are only two First American Home Warranty policies to choose from. The appliance plan and the Premier plan are both impressive choices. The Premier plan has a mix of both systems and appliances to make it a more comprehensive choice. In addition, there are optional coverages that you can add to the First American Home Warranty plan. 

The optional coverage choices from First American Home Warranty include:

  • Central air conditioning (electric)
  • Additional refrigeration
  • Pool/Spa equipment
  • Well pump
  • Septic/septic tank pumping
  • First Class Upgrade (Fees associated with the use of lifting equipment, Up to $250 per local building permits, Haul away services, Appliances, and systems that have been insufficiently installed or modified)
Plan Price Per Month Price Per Year
Basic Plan  $38 $420
Premier Plan $48.50 $526

First American home warranty comes with a service fee of $85, about average in the home warranty industry for the state of Michigan. 

Having been around for 37 years, Select Home Warranty knows a thing or two about what your Michigan home needs to stay in working condition. If you are looking for a great entry-level plan to decide if a home warranty is for you, the First American Home Warranty is an affordable and intelligent choice.

To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164. 

Michigan Home Warranty Buying Guide

At this point, you should be feeling a little better about narrowing your home warranty plan choices down to the top five in Michigan. Now we have to take things a bit further to help you choose the one that is an ideal match for your Michigan home. There are lots of important factors that distinguish one plan from another. Three of the things to keep an eye on are coverage caps, claim approvals, and service fee pricing. 

  • Coverage Cap: Each covered item in your home warranty will have a cap or a limit. For some plans, this will be $500, and for others, it will be $3000. Make sure you check the coverage caps, especially when you have high-end appliances in your home. 
  • Claim Approvals: Every home warranty company has different policies regarding the approval or denial of the claim. Take a look into the specifics of a company to see how they are about approving issues that come up in the home. 
  • Service Fee Pricing: The service fee is the price you pay each time that you need a repair. Service fees range in price from $60 to $150; ensure you choose a service fee you can afford. 

Top Home Maintenance Problems in Michigan

Michigan homeowners will see four full seasons. This means that systems for both warm and cool weather will need to be in place. In addition, the changing of weather can impact the way all of the covered items in a home can function. Three top home maintenance problems in Michigan are HVAC, heating systems, and roof leaks. Let’s take a look at how your Michigan home warranty can help you with these home maintenance issues. 

  • HVAC: As beautiful as the Michigan summers are, the weather is going to be quite warm. To keep the humidity and heat out of the house, the HVAC system is a must. However, HVAC systems have expensive parts, and repairs can cost hundreds of dollars. With a home warranty in place, you will only be responsible for your service fee. 
  • Heating System: When the Michigan fall turns into winter, homeowners will be ready to get their heat cranking. If you find for some reason that your heating system is not working properly, you will need quick and immediate service. With a home warranty in place, you will have a window of service that is guaranteed for your heating system repair. 
  • Roof Leak: Roof leaks can happen suddenly, and they cause a great deal of damage. Other systems and appliances will be in jeopardy with a roof leak. Being able to have a leak repaired for the cost of a service fee is a tremendous benefit to having a home warranty in place. 

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Our Conclusion

We hope you now feel that you can choose a Michigan home warranty with confidence. The Choice Home Warranty stands out as the best overall choice on the market. With the time they have spent in the industry and the impressive customer service, Michigan homeowners have been very happy with this plan. However, it is worth getting a few quotes from other home warranty companies to ensure that you find a policy that is a perfect fit for your home. The most important thing to remember is that the sooner you sign up, the easier it is to have peace of mind about homeownership. 

Frequently Asked Questions About Michigan Home Warranties

How Much Does A Home Warranty Cost In Michigan?

A Michigan home warranty will cost between $35 and $75 per month. The higher-priced plans have lots of add-on coverages and broader coverage options. Lower-priced plans will likely only feature coverage for a few systems or appliances. The good news is that there is a plan out there for almost any budget or look at our cheapest home warranty page for more options.

What Is A Service Fee?

A service fee is a price you pay when you need a repair on one of your covered items. Repairs can turn into replacements after the home is inspected and it is determined what the issues are. Service fees tend to range in price from $60 to $150. 

What Is The Best Home Warranty Company In Michigan?

Choice Home Warranty is the best home warranty company in Michigan. With impressive coverage choices, comprehensive plans, and more than 13 years in the industry, Choice Home Warranty makes homeownership quite a bit less stressful. With the fair pricing that Choice Home Warranty offers, it could be a smart choice for your Michigan home. 

Is A Home Warranty Worth It?

It will only take a few repairs for you to realize the value of a home warranty. Think about an HVAC repair that was initially slated to cost $750, only costing you your $75 service fee. This is an incredible saving, and with the unpredictability of homeownership, it’s very smart to have a home warranty in place. 

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