For Businesses
Write a Review
  3. Homeowners
  4. Home Warranties
  5. Best Home Warranties

Best Home Warranties in Detroit, MI

We compared 28 companies and chose the top home warranty providers

    • Best overall
      American Home Shield
      3.7(110,068)
    • Best technicians
      Cinch Home Services
      4.1(12,304)
    • Quick service
      Choice Home Warranty
      4.0(74,151)
    Author picture
    By: Matt Zane
    +1 more
    Author picture
    Edited by: Cassidy McCants

    Best Home Warranties in Detroit, MI

    American Home Shield is the best home warranty company in Detroit, based on recent reviews from local homeowners. Cinch Home Services is a good choice if you prioritize experienced contractors and Choice Home Warranty stands out for fast response times.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 4,838,538 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Our 4 home warranty company picks in Detroit

    1. Best overall: American Home Shield
    2. Best technicians: Cinch Home Services
    3. Best for quick service: Choice Home Warranty
    4. Best claims handling: Regency Total Warranty

    Our research team vetted home warranty companies that are rated by hundreds of customers in Michigan. We choose the best home warranty in Detroit by comparing local reviews, plans, costs, coverage caps and labor guarantees.

    Read our full methodology below for all the details. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.

    Compare home warranty companies

    Our 4 Detroit home warranty company picks

    Learn more about our top picks for the best home warranty companies, based on real, verified reviews from customers in Detroit and Michigan as a whole on ConsumerAffairs.

    Best overall

    American Home Shield

    American Home Shield
    3.7
    110,068 reviews
    Number of plans
    3
    Service fees
    $100 or $125
    Starting costs
    $29.99
    Labor guarantee
    30 days
    Get a Quote Read Reviews

    American Home Shield is our top recommendation for Detroit homeowners because of its broad coverage and standout value. With high coverage caps and rare protections for damage due to rust or sediment, AHS is built for Detroit’s older homes.

    The digital claims process and video-chat expert support also add convenience.

    What to consider: AHS has fewer add-on options than most home warranty companies, so your options to customize are limited.

    Pros
    • Easy claims process
    • High coverage limits
    • Covers rust, corrosion and sediment damage
    • Cancel at any time
    Cons
    • Occasional service delays
    • Relatively high service fees

    Base plans from AHS start at $29.99 a month. You can choose a $100 or $125 deductible, but be aware that this affects your monthly cost. All plans have a total limit of $50,000 per agreement term.

    • ShieldSilver ($29.99 or $39.99): Covers 14 major systems, including heating, cooling, electrical and plumbing. This plan has a $5,000 limit per covered HVAC system.
    • ShieldGold ($49.99 or $59.99): Covers 24 appliances and systems, including kitchen and laundry equipment. It also has a $5,000 limit per covered HVAC system and limits each covered appliance to $2,000.
    • ShieldPlatinum ($79.99 or $89.99): The most comprehensive plan. It has the same HVAC system limit but raises the annual per-appliance limit to $4,000 and includes roof leak coverage up to $1,000.

    Add-ons and discounts

    • Optional add-ons
      • Septic pump: $4.99
      • Roof leak repair: $9.99
      • Well pump: $9.99
      • Guest unit: $12.99
      • Electronics protection: $14
      • Pool and spa: $20.99
    • Discounts: AARP and military service; $50 discount for covering multiple properties
    Michigan customers report positive experiences with AHS, praising the professionalism of technicians and responsive customer service. Although some express concerns about service delays.
    “I reached out for assistance, and within just a few days, a technician was sent to my home. Overall, I had a very positive experience.”
    Simone Detroit, MI
    “The range repair and an earlier issue with my heating and cooling system were resolved efficiently, each requiring a separate service visit. Everything is working perfectly since then.”
    Donald Lansing, MI
    “What's commendable about American Home Shield is their prompt response—they come out fast to address issues.”
    Denise Warren, MI
    3x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service, Best Overall Value and Best Overall Process
    Best technicians

    Cinch Home Services

    Cinch Home Services
    4.1
    12,304 reviews
    Number of plans
    3
    Service fees
    $100, $125 or $150
    Starting costs
    $38.99
    Labor guarantee
    180 days
    Read Reviews

    Cinch Home Services stands out in Detroit for its reliable contractor network and its unique 180-day workmanship guarantee, which is the longest among our top picks. Cinch offers quick turnaround on claims, making it a strong choice for those who value responsiveness and want experienced, vetted technicians handling repairs.

    What to consider: Cinch doesn’t offer an add-on to cover roof leaks, so if this is a priority, you may need to look elsewhere.

    Pros
    • Low starting costs
    • Three service fee options
    • 180-day workmanship guarantee
    • Covers unknown preexisting conditions
    • Quick response times
    Cons
    • Few add-on options

    Cinch Home Services has three plan options: an appliances plan (starting at $27.99 per month), a systems plan (starting at $36.32 per month) and the Complete Home plan (starting at $39.99 per month), which includes the coverage from the other two plans.

    Service call fees are $100, $125 or $150 — choosing a lower deductible increases the plan’s cost. Each plan includes a water sensor to detect leaks.

    • Appliances plan: Covers major kitchen and laundry appliances. Monthly premiums are $38.99, $47.32 or $48.99.
    • Systems plan: Covers major home systems like HVAC, plumbing and electrical. Monthly premiums are $43.99, $52.32 or $55.99.
    • Complete Home plan: Combines both appliances and systems for comprehensive coverage. Monthly premiums are $54.99, $63.32 or $66.99.

    Add-ons and discounts

    • Optional add-ons
      • Septic tank and pumping: $4.58
      • Well pump: $12.50
      • Premier upgrade package: $12.50
      • Pool and spa (heater included): $22
    • Discounts: First month free in some cases

    Local Cinch customers like the company for its smooth claim process, prompt technician responses and a user-friendly online system, though some express concerns over rising service fees.

    “The most recent experience I had with their turnaround time was positive; they contacted us to schedule an appointment within 24 hours and showed up a couple of days later.”
    Eric Warren, MI
    “When it comes to submitting a claim, I've found everything to operate smoothly. … Overall, my experience has been positive.”
    Mark Plymouth, MI
    “It’s a very good service. They're very prompt. When they say they're gonna be here, they're gonna be here. If they can't make it, they tell me right away.”
    George Grosse Pointe Woods, MI
    2x Award Winner
    Selected for having one of the highest satisfaction rates for Best Customer Service and Best Overall Process
    Best for quick service

    Choice Home Warranty

    Choice Home Warranty
    4.0
    74,151 reviews
    Number of plans
    2
    Service fees
    $100
    Starting costs
    $46.83
    Labor guarantee
    60 days
    Get a Quote Read Reviews

    Choice Home Warranty sets itself apart in Green Bay for its rapid response to service requests and its strong network of local contractors. For homeowners who want issues solved fast — especially during harsh winters — Choice’s commitment to contacting help within hours is a key advantage.

    What to consider: Choice doesn’t offer an appliance-only or systems-only plan. You also can’t choose your service fee.

    Pros
    • Optional roof leak coverage
    • No transfer fee
    • 24/7 customer service
    Cons
    • $500 roof repair cap

    Choice plans start at $49.17 per month and Total plans start at $57.50 per month. Both have a flat $100 service fee. Contracts last one year — expect to pay a $50 cancellation fee if you cancel early. However, you can transfer the contract with no penalty.

    • Basic: Covers 14 systems and appliances, including heating, electrical and plumbing.
    • Total: Includes everything in the basic plan and covers your washer and dryer, refrigerator and air conditioning system.

    Add-ons and discounts

    • Optional add-ons
      • Ice maker: $2.08
      • Second refrigerator: $3.33
      • Stand-alone freezer: $3.33
      • Sump pump: $3.33
      • Central vacuum: $3.33
      • Septic tank pumping: $5.42
      • Roof leak repair: $5.83
      • Well pump: $8.33
      • Sprinkler system: $8.33
      • Septic system: $10
      • Pool and spa: $15
      • Additional spa: $15
    • Discounts: Reduced premiums with annual payments; free extra month

    Choice customers in Michigan appreciate the prompt scheduling, professionalism of technicians and successful repairs or replacements, though some express frustration over delayed resolutions.

    “Very professional and gave a good understanding of what was needing repair - he assessed the issue well.”
    James Detroit, MI
    “I placed a claim and a tech was scheduled right away. He came within the time I was given. … He informed us of what was wrong and he fixed the problem.”
    Marian Detroit, MI
    “They were able to get me a quick appointment and the tech that came out was not only helpful but reassuring.”
    Jean Dearborn, MI
    Best claims handling

    Regency Total Warranty

    Regency Total Warranty
    3.9
    1,076 reviews
    Number of plans
    2
    Service fees
    $60 to $100
    Starting costs
    $44.99
    Labor guarantee
    Unclear
    Read Reviews

    Regency Total Warranty earned a spot on our Detroit list due to its consistently positive feedback on claims processing. Homeowners describe Regency’s process as easy and transparent. Both of its plans include appliance and system coverage, which is a plus for buyers seeking all-in-one protection.

    What to consider: Regency is a new home warranty company that’s only been in business since 2024.

    Pros
    • Both plans cover systems and appliances
    • Reasonable starting costs
    Cons
    • No electronics plan
    • Some water heater exclusions

    Regency’s two plans offer different degrees of coverage for your home’s systems and appliances. Costs start at $39.99 per month, with a potential savings of $50 per year if you pay annually.

    • EssentialGuard: Covers three home systems and 10 appliances. Starts at $39.99 monthly or $429.99 annually.
    • TotalGuard: Covers five home systems and 14 appliances. Starts at $45.83 per month ($499.99 per year).

    Add-ons and discounts

    • Optional add-ons
      • Pools and spas
      • Well pumps
      • Sump pumps
      • Central vacuums
      • Limited roof leaks
      • Septic systems
      • Second refrigerators
      • Stand-alone freezers
      • Septic tank plumbing
    • Discounts: Seasonal promotions; limited roof leak protection
    Regency customers in Michigan highlight the company’s fast response times, professional technicians and clear communication.
    “My main refrigerator gave out, and as soon as I submitted a maintenance request and was put into contact with a professional technician in my area of town, it was less than a few hours.”
    Virginia Battle Creek, MI
    “Provided excellent customer service and quickly resolved the issue. Excellent and prompt service. fair price as well.”
    Harold Newberry, MI
    “Everything was good. Everything went without a hitch. They worked fast and with professionalism.”
    Lucy Brooklyn, MI

    » READ MORE: Best home warranties in Michigan

    Best home warranty companies in nearby cities

    Home Warranties in Detroit, MI Buyers Guide

    Jump into our guides and start learning

    In this guide

    Top Picks

    See who reviewers like

    American Home Shield logo
    Cinch Home Services logo
    Choice Home Warranty logo
    See our top picks

    Simplify your search

    Compare plans tailored to your home & budget.

      Homeowners in Detroit rely on their furnaces through frigid winters and often face unexpected failures in old plumbing and electrical systems. A home warranty is a key budgeting tool for protecting against these age-related breakdowns.

      Key insights

      For Detroit homeowners, particularly those in older homes, the best warranty offers strong coverage for heating, plumbing and sewer lines.

      Jump to insight

      Detroit home warranty plans cost $30 to $90 per month on average. Your rate depends on the coverage level, your service fee and add-ons.

      Jump to insight

      Add-ons like sump pumps or sewer lines will increase your monthly premium.

      Jump to insight

      How to choose a home warranty in Detroit

      To make the best choice, Detroit homeowners should first assess which systems and appliances are most at risk in their house, then compare local plan options. Here’s how to pick the right plan:

      1. Decide what coverage you need

      Begin by identifying whether you want a plan focused on appliances, systems or both. If your furnace, boiler or water lines are older, a systems-heavy plan is often necessary. Combination plans are popular for Detroit homes, especially if you want both appliance and system protection — and higher payout limits.

      In Detroit, many homes built before 1950 still rely on aging clay or cast-iron sewer lines. These materials are prone to cracking and root intrusion, making sewer line add-on coverage almost essential for homeowners in historic neighborhoods like Boston-Edison, Indian Village and Rosedale Park.

      2. Compare costs

      Focus on the total price of your warranty, not just the monthly premium. Compare service fees, since these can add up quickly if you have multiple claims. Also, look at the price and terms for common add-ons, especially for water and sewer lines.

      In Detroit, the best value is often found in a plan that allows you to add on sewer and water line protection. The cost of this add-on is minimal compared to the catastrophic expense of excavating and replacing a failed main line.

      Also, check the coverage caps for each plan, since you may need to pay out of pocket if your claim exceeds them.

      3. Review sample contracts

      Always read the sample contract thoroughly before you buy. Read the contract very carefully for any limitations on older homes or specific types of plumbing (e.g., cast iron). Crucially, understand the coverage limits and terms for the water and sewer line add-on, as this is where the most value can be found.

      4. Read customer reviews

      Local reviews are a powerful tool when you’re deciding among warranty providers. Pay attention to reviews from Detroit and other rust-belt cities, and look for patterns around claims for furnace repairs, boilers or sewer line backups. A company that handles these complex claims well is a great choice.

      Positive feedback typically points to smooth claims handling and clear communication, while complaints may highlight delays or confusion.

      Luther from Garden City was particularly happy with his AHS warranty he used for a heating issue. “The whole process from submitting the claim to getting it resolved was smooth.” It only took a few hours to get a response, “which was greatly appreciated as it was quite cold at the time. The technician arrived promptly and had everything sorted within half an hour.”

      » COMPARE: Top-rated home warranty companies

      How much does a home warranty cost in Detroit?

      The average annual cost of home warranty premiums is $684 as of June 2025. A Detroit home warranty costs between $360 and $1,080 per year, based on plans from our top picks. Your actual price depends on your selected plan, add-ons and service fee.

      Cost range by home warranty provider

      Monthly or annual premiums

      Most providers let you pay monthly or annually. Monthly payments spread the cost, while annual payments may come with a discount.

      Service call fees

      Every time you use your warranty, you pay a service call fee — usually between $75 and $150. This is similar to a deductible and applies per claim.

      Add-on coverage

      Customizing a plan with add-ons like roof leak or sump pump coverage will increase your monthly premium, but it can be worth it for Detroit’s old homes.

      Other home warranty cost factors

      Home warranty prices vary widely, depending on a few factors:

      • Home size and type: Larger homes need more coverage, which often means higher premiums
      • Level of coverage:Lower-priced plans cover fewer items; comprehensive combo plans cost more
      • Location: Warranty prices in Detroit are heavily influenced by the age of the housing stock, which is among the oldest of any major U.S. city.
      • Discounts: Many companies offer discounts (e.g., for multiyear plans) and seasonal promotions

      Example: total annual home warranty costs

      • Comprehensive coverage ($65 per month): $780 per year
      • Add-on for roof leak repair ($10 per month): $120 per year
      • Two claims ($100 service fee): $200
      • Total: $1,100 per year

      What does a Detroit home warranty cover?

      Home warranty coverage in Detroit typically comes in three types: appliance-only, systems-only or combination plans.

      • Appliance plans protect kitchen and laundry essentials
      • Systems plans focus on HVAC, plumbing and electrical
      • Combination plans are the most popular option in Detroit, providing the broadest protection for older homes.

      Many companies let you customize with add-ons. For Detroit’s older homes, the most important add-ons are main water line and sewer line coverage.

      » LEARN: What voids a home warranty

      How much can you save with a Detroit home warranty?

      A single furnace or sewer line failure in Detroit can easily exceed the cost of a year’s home warranty coverage. The Consumer Financial Protection Bureau recommends budgeting 1% to 3% of your home’s value annually for repairs, but a home warranty can dramatically reduce what you pay out of pocket if a major system fails.

      Average repair/replacement costs for covered items

      In a city like Detroit, where freezing winters test HVAC systems and can lead to frozen pipes, while moderately hard water impacts water heaters, the potential for costly repairs is high. Here's what you'll pay for the most common repairs and replacements in Detroit without a home warranty:

      FAQ

      How does a home warranty work?

      Home warranties cover repair and replacement for home systems and appliances. You pay a monthly or yearly fee, plus a service fee for each repair call. When something breaks, you file a claim. The warranty company sends a contractor and pays them to fix it. If it can’t be fixed, the company helps pay for a replacement. Coverage depends on the plan, and limits apply.

      Is a home warranty worth it in Detroit?

      A home warranty can be worth it if you want to protect yourself from unexpected repair or replacement costs. For many homeowners, the peace of mind comes from knowing that a major system breakdown or appliance failure won’t result in a large, unplanned bill.

      A home warranty in Detroit can protect you from the high cost of a main sewer line failure or a boiler replacement in an old home.

      What does a home warranty not cover?

      Most home warranty plans don’t cover preexisting conditions, improper installation, cosmetic damage and items still under a manufacturer’s warranty. Routine maintenance, landscaping and structural elements like walls or windows are also not included.

      Home warranty payouts are capped. If electrical system repairs cost $3,000 and your plan only covers $2,000, you’d still owe $1,000.

      A home warranty in Detroit will not cover the removal of tree roots that are crushing your sewer line. It would only cover the repair of the line itself after it has failed due to normal wear and tear.

      Methodology

      The ConsumerAffairs Research Team used a data-backed process informed by expert editorial judgment and verified customer reviews. We started with home warranty companies available in Detroit, then evaluated which performed best for local residents.

      We prioritized real customer experiences in Detroit and also gave extra weight to reviews from Michigan. National reviews were also considered, but with much lower weighting. Our review evaluation focused on seven satisfaction drivers:

      • Technician quality
      • Customer service
      • Claims handling
      • Punctuality and speed
      • Coverage
      • Value
      • Refunds and payouts

      In addition to reviews, we compared the companies on:

      • Coverage options: We broke down each company’s home warranty plans to ensure they offer multiple coverage options to fit a variety of needs.
      • Plan flexibility: Customizing a plan can tailor it to your needs and help you save money. We checked to see what customization options each company offers, including the ability to select a service fee and the number and cost of add-on coverages.
      • Cost: Costs for home warranty plans vary based on the size of the home and the type of coverage, but we confirmed our top picks’ prices are competitive in the home warranty industry.
      • Service call fee: We looked at the service fee each company charges to send a technician to your house to ensure our top picks are in line with industry standards.
      • Service guarantee: The longer a company guarantees its repairs, the more protection you get if the same issue comes back. We considered how each provider backs its workmanship.

      Not sure how to choose?

      Get buying tips about Home Warranties in Detroit, MI delivered to your inbox.

        By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

        Thanks for subscribing.

        You have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

        Read Detroit home warranty company reviews

        Showing 10 of 28

        Want your company to be on this guide?

        Yes, continue
        Comparing

        ×
        Trending in Home Warranties