Best Home Warranty Companies in Michigan

By Kathleen McCoy

Home to 35,000 miles of streams and 11,000 lakes, there’s no way to deny that Michigan is overflowing with natural beauty. However, though the state’s position within the Great Lakes might make it look beautiful, it can also create a range of problems for homeowners and their systems and appliances.

A home warranty in Michigan can alleviate some of the stress that comes with buying a home in a state with a variable climate. Our guide to the best home warranties in Michigan will help you find the coverage you need before one of your home’s components breaks down.

Michigan’s top 5 home warranty companies

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
Best Workmanship Guarantee

  • Offers 3 plans under $62 per month
  • Allows customers to choose between a $100, $125, or $150 service call fee
  • Covers repairs with a 180-day workmanship guarantee
  • Lets customers cancel for free within 30 days of their contract start day
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
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

Top home maintenance problems in Michigan

Take a look at some of the most common problems Michigan homeowners face thanks to the state’s proximity to the Great Lakes:

  • Roof leaks: Because of the heavy snow during Michigan’s winter months, you’re likely to see the formation of roof ice dams, which could cause damage to your roof. Choose a company with optional roof leak coverage to keep yourself from having to pay for this damage.
  • Heating system damage: Chilly winter breezes from the Great Lakes can also cause your heating system to work overtime. Thankfully, most home warranty plans that include system protection will cover your heater.
  • Air conditioning strain: Just like winters can be exceptionally cold, summers can also be hot and humid. Increased humidity can decrease the longevity of your air conditioning system by causing it to break down sooner. A home warranty systems package should cover this wear and tear. 

1. Choice Home Warranty

Choice Home Warranty opened its doors in 2008 and has been offering policies ever since. The company has two levels of coverage, but regardless of the one you choose, you’ll be getting both system and appliance protection.

Let’s take a closer look at each of these policies:

  • Basic Plan ($36.17 per month): Choice Home Warranty’s Basic Plan offers coverage for 14 items, including your electrical system and dishwasher.
  • Total Plan ($43.85 per month): The Total Plan includes coverage for all appliances and systems found in the Basic Plan plus your washer, dryer, air conditioning system, and refrigerator.

You can also customize your plan with the following add-ons:

  • Central vacuum
  • Limited roof leak
  • Septic system
  • Septic tank pumping
  • Sump pump
  • Well pump
  • Pool/Spa
  • Second refrigerator
  • Standalone freezer

In addition to your monthly fee, you’ll also pay an $85 service fee each time you receive a repair or replacement. 

Claim your free quote from Choice Home Warranty by completing this online form or calling 929-400-6164.

2. Cinch Home Services

Cinch Home Services is one of the oldest home warranty providers in the United States, having opened its doors in 1979. The company is best known for its generous, 180-day workmanship guarantee, which ensures that you won’t have to pay another service fee if you experience the same breakdown more than once within a 180-day window.

Cinch Home Services currently offers three plans:

  • Appliances Plan ($27.99 per month): The Appliances Plan includes coverage for 12 home appliances, ranging from wall ovens to washer-dryer combos.
  • Built-In Systems Plan ($32.99 per month): The Built-In Systems Plan includes coverage for 16 home systems, ranging from water heaters to heating systems.
  • Complete Home Plan ($39.99 per month): The Complete Home Plan includes all of the coverage found in both prior plans. It also includes coverage for up to $500 of a homeowners insurance deductible.

You can also add optional coverage for the following:

  • Pool
  • Spa
  • Septic tank/plumbing
  • Well pump
  • Premier Upgrade Package, which includes coverage for up to $1,000 worth of building permits or code updates

You’ll also pay a per-incident service fee of $100, $125, or $150. Keep in mind that selecting a lower service fee will increase your monthly premium.

Claim your free quote from Cinch Home Services by completing this online form or calling 833-743-1056.

3. American Home Shield 

American Home Shield is another veteran in the industry with close to 50 years of experience. Some of the company’s most unique features include the ability to choose your own service fee and 24/7 customer service.

American Home Shield has three plan options:

  • Systems Plan ($49.99 per month): The Systems Plan includes coverage for 12 of your home systems, ranging from refrigerators to trash compactors.
  • Appliances Plan ($49.99 per month): The Appliances Plan includes coverage for 10 household appliances, ranging from plumbing systems to ductwork.
  • Combo Plan ($59.99 per month): Choosing the Combo Plan gives you both system and appliance coverage for a lower monthly price.

You can customize your plan from American Home Shield with the following:

  • Electric extended warranty
  • Pools and spas
  • Well pumps
  • Septic pumps
  • Guest units

American Home Shield allows you to choose your own service fee between $75, $100, and $125.

Claim your free quote from American Home Shield by completing this online form or calling 888-365-2839

4. Amazon Home Warranty

Amazon Home Warranty is best known for its extensive list of optional coverages. These add-ons range from more common issues like roof leaks to more unique items like a wine refrigerator or central vac.

Amazon Home Warranty offers three plans:

  • Appliances Plan ($479 per year): The Appliances Plan covers eight appliances, ranging from your dishwasher to your freezer.
  • Systems Plan ($479 per year): The Systems Plan covers eight home systems, ranging from your garage door opener to your plumbing system.
  • Combo Plan ($579 per year): The Combo Plan includes all coverages that come with both of the previous plans along with a few more.

Take a look at this list of over 20 optional add-ons:

  • Pool
  • Spa
  • Additional central air conditioning system
  • Additional central heating
  • Central vac
  • Lawn sprinkler system
  • Well pump
  • Septic system
  • Wine refrigerator
  • Whole house humidifier
  • Septic tank pumping
  • Stand alone freezer
  • Additional fridge
  • Sump pump
  • Water softener
  • Limited roof leak
  • Extra hot water heater
  • Ice-maker
  • Extra oven
  • Additional washer and dryer
  • Additional dishwasher
  • Additional microwave
  • Duplex

You’ll also pay a $75 service fee each time you use your plan.

Claim your free quote from Amazon Home Warranty by completing this online form or calling 866-605-8194.

5. First American Home Warranty

If your systems or appliances have pre-existing conditions, consider a policy from First American Home Warranty. The company offers an add-on called the First Class Upgrade that covers improperly installed or maintained items as well as other expenses like building permits and haul-away fees.

First American Home Warranty offers two policy options:

  • Basic Plan ($28.00 per month): The Basic Plan includes coverage for nine home appliances, like trash compactors and refrigerators.
  • Premier Plan ($42.50 per month): The Premier Plan includes coverage for everything found in the Basic Plan along with seven home systems.

You can customize your plan from First American Home Warranty with the following add-on coverages:

  • Central air conditioning systems
  • Second refrigeration units
  • Pool and spa equipment
  • Well pumps
  • First Class Upgrade

In addition to your monthly premium, you’ll also pay a $75 fee for each service request you make.

Claim your free quote from First American Home Warranty by completing this online form or calling 833-204-7164.

Michigan home warranty buying guide

Here are a few essential factors to consider before you select a policy.

  • Roofing coverage: Roofing issues are one of the most common damages seen by Michigan homeowners. Look for a home warranty that allows you to add optional roof leak coverage to your plan to supplement the coverage included in your homeowners insurance policy.
  • Age-related restrictions: Some home warranty companies restrict coverage to systems and appliances under a certain age. If you live in an older property, these restrictions might make your home warranty useless. Choose a policy without age restrictions to ensure that you get the most out of your coverage.
  • Sample contract: Look for a company that has a sample contract on its website. This ensures that you have the chance to read through all of the inclusions and exclusions before purchasing a policy.

Our conclusion

We compared a wide range of home warranty options in Michigan before we decided to recommend Choice Home Warranty, Cinch Home Services, American Home Shield, Amazon Home Warranty, and First American Home Warranty. Before making a final decision, be sure to get quotes from at least three of these providers so that you know exactly what coverage and cost would look like for your home.

Frequently asked questions about Michigan home warranties

What are emergency services?

A home warranty company with emergency services will send a technician to fix a broken item after hours if it’s an emergency. The definition of an emergency may vary from company to company, but an example might be not having electricity or water throughout your home.

Are home warranties worth it?

One repair to a major system or appliance can cost over $1,000. If you can compare that to the cost of a home warranty over an entire year, you’ll actually save money. It also gives you peace of mind and allows you to enjoy your home instead of worrying about something breaking down.

Is a home warranty the same thing as homeowners insurance?

No. When you purchase a home, you’ll usually be required to purchase homeowners insurance to protect your property from hazards like burglaries and fires as a term of your mortgage. Home warranties don’t cover costs from perils like these. Instead, they cover damage that results from regular wear and tear.

See the best home warranty companies in your state

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