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Best Home Warranty Companies In michigan 2024

Michigan’s vibrant seasons can be tough on your home’s comfort.  Frigid winters and hot summers can stress appliances and systems. This guide lists the Best Home Warranty Companies in Michigan, helping you find a plan that safeguards your essential features,  keeping your home running smoothly year-round.

Our Picks: 5 Best Home Warranty Companies For michigan Residents

Here are the top home warranty companies in Michigan, offering extensive coverage, competitive pricing, and valuable perks designed to meet the needs of homeowners.

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Best For Customer Services
3.3 | threehalf_star Good
$200 Off + 2 Months Free*

Monthly Cost

$43 - $79

Service Fee

$75

Response Time

48 hours

Best For Add-ons
4.7 | fourhalf_star Excellent

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Best For Separate Coverage Options
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Is Home Warranty Plans Beneficial For Michigan Homeowners?

Here are some key points highlighting the benefits of home warranty plans for Michigan homeowners:

  • Michigan experiences intense winter weather, with freezing temperatures and heavy snowfall. 
  • Cold temperatures in winter pose a risk of frozen pipes and plumbing issues. Coverage for Weather-Related Electrical System Challenges
  • Snowstorms and heavy winds can lead to power outages and electrical issues.
  • Michigan experiences humid summers, which can impact appliances like refrigerators and air conditioning units. 
  • Unpredictable weather conditions can lead to frequent wear and tear on home systems and appliances. 
  • Michigan occasionally faces severe storms, including thunderstorms and high winds. 
  • Michigan's climate is known for its variability. Extreme temperature fluctuations in Michigan can strain HVAC systems. 
  • Home warranty companies typically have a network of qualified service providers.

How Much Does A Michigan Home Warranty Cost?

Understanding the associated costs is crucial for Michigan homeowners exploring home warranty options. Here's an overview of the cost considerations for home warranties in the Great Lakes State:

Average Annual Cost

$450 - $650

Average Monthly Cost

$40 - $90

Average Service Fee (Deductible)

$55 - $130

In Michigan, the pricing of home warranties can vary based on several factors, and homeowners should carefully evaluate these elements:

  • Coverage Level: Plans covering both major systems and appliances may have a higher price tag than those focusing on essential coverage.
  • Deductible: Choosing a deductible is akin to decisions made in other insurance areas. Opting for a higher deductible can result in lower monthly premiums, giving homeowners flexibility in managing their budgets.
  • Home Size & Age: The size and age of your Michigan home contribute to the overall risk of system and appliance breakdowns. Larger or older homes may have a higher likelihood of issues, which can impact the cost of coverage.
  • Location: The specific location within Michigan can influence the average costs of home warranties. Factors such as local service provider availability and regional climate considerations may play a role.

Home Warranty Coverage In Michigan

Below are commonly included and excluded household items. It will help to make residents make informed decisions:

General Coverage of Michigan Home Warranty:

  • HVAC (Heating, Ventilation, and Air Conditioning) SystemsCoverage for the repair or replacement of essential components to ensure homes remain comfortable, addressing the fluctuating weather conditions from freezing winters to warmer summers.
  • Plumbing SystemsProtection against leaks, clogs, and water heater malfunctions, prevalent in Michigan due to occasional freezing temperatures and heavy rainfall.
  • Electrical SystemsThis includes coverage for repairs to wiring, outlets, and circuit breakers, ensuring safety and functionality, especially during severe weather events like thunderstorms and potential power outages.
  • Major AppliancesComprehensive coverage for major household appliances, including refrigerators, dishwashers, and ovens. This safeguards against breakdowns, providing Michigan homeowners convenience and peace of mind.

Common Exclusions

  • Pre-Existing ConditionsA home warranty plan may not cover existing issues with your home systems or appliances.
  • Cosmetic IssuesRepairs solely for aesthetic purposes are generally not covered by home warranty plans.
  • Maintenance NeglectBreakdowns resulting from a lack of proper maintenance may not be covered.
  • Specific ExclusionsCompanies may have specific exclusions that vary. A thorough review of the plan details is crucial to understanding these exclusions, enabling homeowners to make informed decisions about coverage.

Here are Additional Points to Consider

  • Coverage CapsHome warranty plans may limit the amount they will cover for repairs or replacements. Understanding these limits is vital to being aware of potential out-of-pocket expenses.
  • Service Call FeesSome companies charge a set fee for each service call, while others may have variable fees. Knowing these fees upfront assists in budgeting for potential repairs and avoiding surprises.
  • Network LimitationsTechnicians within the warranty provider’s network may be unavailable in all areas, mainly rural locations. Homeowners should consider the accessibility of service providers when choosing a home warranty plan.

Who Regulates Home Warranty Companies In Michigan?

The Consumer Protection Guide for Michigan includes a list of federal, state, county, and local agencies that provide services for Michigan consumers. 

Home warranty-related consumer protection laws have been around, specifically section 445.903a of the Michigan Consumer Protection Act

Homeowners can contact the Attorney General’s Consumer Protection Division by calling 517-373-1140 or writing to P.O. Box 30213, Lansing, MI 48909-7713.

Final Word 

The perfect home warranty plan ensures you get all the benefits offered. Review the coverage, reputation of the provider, and contract costs carefully before choosing the best home warranty plan in Michigan.

Frequently Asked Questions (FAQs)

What Are The Most Frequent Home Repairs In Michigan?

A.

In Michigan, common home repairs frequently involve challenges with air conditioning units, water heaters, and roofing. The state’s climate, with hot summers and cold winters, contributes to prevalent air conditioning issues like compressor failures or refrigerant leaks. 

Water heaters may need attention due to hard water-related problems or heating element malfunctions. Roofing repairs are also encountered due to heavy snowfall.

How To Cancel My American Home Shield Warranty?

A.

You can cancel your AHS home warranty by contacting customer service at 800-858-1922 and providing the details of contact details and customer information. You’ll be eligible for a complete refund minus any service and claims incurred by AHS if the plan is canceled within one month of purchasing the home warranty plan.

Are Home Warranties Worth It In Michigan?

A.

Yes, home warranties are worth considering in Michigan. Given the state’s diverse climate, including hot summers and cold winters, home warranties provide valuable financial protection and peace of mind.

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