Best Home Warranty Companies In Michigan 2024

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 |

Excellent

1^st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Pros & Cons

Pros

24/7 customer service
Free coverage for roof leaks
90-day parts guarantee

Cons

Low aggregate limit

Plans, Cost & Coverage

Choice Home Warranty’s Basic Plan is $46.83, and the Total Plan is $54.75 monthly. The annual aggregate coverage for household items is $3,000. Here are the in-depth pricing details for homeowners in Michigan:

Plans	Monthly	Yearly
Basic Plan	$46.83	$532
Total Plan	$54.75	$627

Basic Plan

Offers protection for 14 basic home systems and appliances
Items such as built-in microwave, ductwork, and dishwasher are included
Perfect for homeowners searching for basic plans

Total Plan

Comprehensive home systems and appliances
Everything from the Basic Plan and additional items

Why We Picked It?

Choice Home Warranty offers a variety of plans in Michigan that can provide coverage for unexpected breakdowns, potentially saving you money on repairs. Their focus on clear and straightforward plans lets you understand exactly what’s covered. Choice also boasts a network of technicians readily available to address issues and restore your home systems.

The Industry Leader

4.5 |

Excellent

Monthly Cost

$35 - $79

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

Covers undetectable pre-existing conditions
24/7 customer service
Choice of service fees

Cons

Limited optional add-ons

Plans, Cost & Coverage

The three plans offered for homeowners include ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver includes systems, ShieldGold includes systems and major appliances, and ShieldGold includes major appliances and systems. There is a coverage limit of up to $5,000 and appliances for $2,000 in ShieldGold and $4,000 in ShieldPlatinum.

Know more about the pricing here:

	ShieldSilver	ShieldGold	ShieldPlatinum
Cost at $125 Service Call Fee	$35.83	$39.16	$69.16
Cost at $100 Service Call Fee	$45.83	$49.16	$79.16

ShieldSilver

Has coverage for 14 essential systems
Includes air conditioners, heating units, and more
The price is affordable for a basic plan at $35.83

ShieldGold

Protective plan for 23 essential systems and appliances
Essential coverage at competitive prices
Includes everything from the ShieldSilver

ShieldPlatinum

Everything from ShieldSilver and ShieldGold is included
Additional items are included
Homeowners seeking comprehensive coverage at competitive prices

Why We Picked It?

AHS home warranty can be your winter warrior, providing coverage for those unexpected breakdowns that can leave you shivering. Their wide range of plans lets you choose the protection that best suits your needs, from appliances to essential systems like heating.

Plus, with their extensive network of technicians across Michigan, you won’t have to wait long to get things back up and running.

Best For Customer Services

3.3 |

Good

$200 Off + 2 Months Free*

Monthly Cost

$37 - $43

Service Fee

$75

Response Time

48 hours

Pros & Cons

Pros

24/7 customer service
Affordable service call fee
Discounts provided for annual plans

Cons

Lower aggregate limit

Plans, Cost & Coverage

ServicePlus Home Warranty has two coverage options: Gold and Platinum. The Gold Plan covers basic home systems and appliances, and the Platinum Plan covers expensive appliances and systems. The aggregate coverage limit per contract term is $1.5k.

Find the pricing details of both the plans below:

Plan	Monthly Cost	Annual Cost
Gold	$37.46	$349.50
Platinum	$43.71	$424.50

Gold Plan

Exhaustive coverage for 15 home appliances and systems
Priority service for claims and repairs
Affordable prices with flexible payment options to suit different budgets

Platinum Plan

Comprehensive coverage for 20 home appliances and systems
Includes items from the Gold plan and optional add-ons

Why We Picked It?

ServicePlus Home Warranty provides free coverage for household items at discounted prices. The customers appreciate the dedicated services and 24/7 service calls online or by phone, making it a good choice for homeowners.

Best For Add-ons

4.7 |

Excellent

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

Competitive pricing
Provides emergency service and home visits
More than 30 optional add-ons

Cons

Higher premiums

Plans, Cost & Coverage

Liberty Home Guard offers three plans: Appliance Plan, Systems Plan, and Total Home Guard Plan. It provides a coverage limit of up to $2,000 for all included items. Here are the costs of all the plans:

	Appliances Guard	Systems Guard	Total Home Guard
Monthly Plan	$49.99/Month	$54.99/Month	$59.99/Month
Annual Plan	$499.99/Annum	$549.99/Annum	$599.99/Annum

Appliances Guard

Includes 9 essential household appliances such as oven, dishwasher
Offers peace of mind by making sure the major appliances are safe against any breakdowns

Systems Guard

Coverage for home systems
Six essential home systems are covered at $54.99 monthly
Makes a perfect option for homeowners searching for coverage options for home systems

Total Home Guard

Covers 15 essential home systems and appliances at $59.99 per month
Maximum protection against malfunctions

Why We Picked It?

Liberty Home Guard offers a variety of home warranty plans to suit your needs. Whether you prioritize comprehensive coverage or a budget-friendly option, Liberty Home Guard caters to various preferences.

Their established presence in Michigan ensures a familiarity with local service providers, potentially leading to faster appointment scheduling. Additionally, Liberty Home Guard boasts a customer-centric approach, aiming to ensure a smooth and hassle-free experience throughout the repair process.

Best For Separate Coverage Options

4.7 |

Excellent

$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

High coverage limits per contract term
Optional add-ons
Affordable plan options

Cons

Charges $150 service fees on weekend visits

Plans, Cost & Coverage

Elite has three service plans: Elite Appliances, Elite Systems, and Elite Complete. The company’s standard service fee is $70, and the basic plan starts at $44.99. Here are the monthly pricing premiums of its plans:

Plans	Premium (Monthly)
Elite Appliances	$44.99
Elite Systems	$49.99
Elite Complete	$59.99

Elite Appliances

Offers protection for 8 essential home appliances
Covers appliances like garbage disposals, dishwashers

Elite Systems

Covers 8 major home systems
Includes expensive systems such as air conditioning and plumbing
Ideal for homeowners to prioritize protection for vital systems crucial for daily living

Elite Complete

Covers everything from appliances and systems plan
Perfect for people seeking an all-inclusive plan

Why We Picked It?

Elite Home Warranty offers a variety of coverage plans to help Michigan residents protect their appliances and systems from unexpected breakdowns. Whether you prioritize comprehensive protection or a more budget-friendly option, Elite provides plans that might suit your needs. Their network of technicians can also help ensure timely repairs to keep your home comfortable throughout the winter season.

Are 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, impacting 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 Caps: Home warranty plans may limit how much they 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, specifically section 445.903a of the Michigan Consumer Protection Act, have been around.

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?

In Michigan, common home repairs frequently involve air conditioning units, water heaters, and roofing challenges. 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?

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?

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.