American Home Shield is our pick for the best home warranty in Michigan, thanks to strong coverage limits for heating systems. With long, snowy winters, Michigan homeowners lean heavily on furnaces and boilers, and a warranty can help when breakdowns or frozen pipes would otherwise mean big out-of-pocket bills.
Home warranties can also help keep everyday essentials running, like refrigerators, dishwashers, washers and dryers. In Michigan, plans typically cost between $24.99 and $99.99 per month, depending on your coverage.
American Home Shield is our top recommendation for Michigan homeowners because it offers higher coverage limits for heating systems — a major priority in a state with freezing winters.
Jump to insightThe average cost of a home warranty in Michigan is $64.37 per month, and recent quotes range from $300 to $1,200 annually.
Jump to insightIn Michigan, it's smart to prioritize plans with strong furnace and boiler liability limits so a winter breakdown doesn't turn into a safety issue.
Jump to insightOur research team vetted home warranty companies that are rated by hundreds of customers in Michigan. Read our guide to choose the best home warranty in Michigan for you by comparing plans, contract lengths and service fees.
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.
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 American Home Shield | Get a Quote | 3.7
110,347 reviews
110,347 reviews
| Best overall | $29.99 | $100 or $125 |
 Choice Home Warranty | Get a Quote | 4.0
74,743 reviews
74,743 reviews
| Claims handling | $46.83 | $100 |
 Cinch Home Services | Learn More | 4.1
12,355 reviews
12,355 reviews
| Value | $38.99 | $100, $125 or $150 |
 Regency Total Warranty | Learn More | 3.9
1,098 reviews
1,098 reviews
| Furnace coverage | $44.99 | $60 to $100 |
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Michigan on ConsumerAffairs.
Jump into our guides and start learning
Michigan homeowners often face furnace failures in winter, A/C breakdowns in summer and plumbing or electrical issues in older homes. A home warranty can provide reliable coverage year-round.
In Michigan, prioritize heating and plumbing coverage while also considering protection for older systems.
Jump to insightOn average, a home warranty in Michigan costs $64.37 per month. Expect to pay between $300 and $1,200 annually. Most plans include a service fee of $75 to $150.
Jump to insightMichigan has few laws regulating home warranties, requiring no licenses and offering only minimal contract protections.
Jump to insightWhen looking for the right home warranty in Michigan, start by identifying whether you need coverage for systems, appliances or both. Compare the specifics of each plan, including sample contracts and local reviews, to find a fit for your home’s needs.
First, figure out if you want separate coverage for appliances or systems, or a combo plan for both. If your bigger systems, like HVAC or plumbing are getting older, focus on systems coverage. If your appliances are aging but your systems are newer, an appliance-only plan may be better.
Many Michigan homeowners opt for combo plans to get the broadest protection and higher payout limits. In rural Michigan, well pumps and septic systems are especially important to verify, as repairs can be costly and aren’t always included in base plans.
Look at both the monthly premium and potential out-of-pocket costs, including service call fees that can add up if you use your warranty often. Pay attention to payout caps, both for the overall plan and for individual systems or appliances. Sometimes paying a higher premium can save you money later by reducing what you pay for big repairs.
Review the price for add-ons, like extra appliance protection or roof leak coverage, when comparing plans.
Before you sign up, always check the sample contract. It will spell out exactly what is and isn't covered and clarify details like waiting periods, claim filing, coverage limits and cancellation fees. Watch for exclusions like preexisting conditions or certain types of damage, and make sure coverage matches your home’s needs.
Reading the contract line by line can also help ensure you’re getting the coverage you want. When Kevin from Village of Clarkston signed up for his plan, he said, the "website says coverage starts after 30 days but it does not say it's limited coverage. 30 days is for repairs only. For replacement it's 60 days (as stated in very fine print buried in the contract)."
When reviewing contracts, verify the company serves your specific area before committing. Check freeze damage exclusions carefully — frozen pipes and heating failures are serious threats — and confirm well and septic coverage options.
Reading customer reviews is one of the best ways to see what it’s like to use a home warranty in Michigan. Look for trends in claims approvals, technician response times and service quality. Rural Michigan homeowners may report longer wait times for technicians, especially during peak heating season.
Positive reviews often highlight smooth claims processes and responsive customer service. Negative reviews often mention frequent denials or hidden costs.
» MORE: Need help choosing a home warranty? Read our step-by-step guide
A home warranty in Michigan costs $64.37 per month on average. Home warranty premiums generally range from $35 to $90 per month, depending on the plan. The average cost of a home warranty in Michigan is 4.9% lower than the national average.
We received quotes for each of our top picks in Michigan for a three-bed, two-bath home in Detroit.
| Provider | Monthly premium range* | Service call fee |
 | $39.99 to $99.99 | $100 or $125 |
 | $46.83 to $54.75 | $100 |
 | $100 to $150 | $38.99 to $66.99 |
 | $60 to $100 | $44.99 to $49.99 |
| $39.99 to $99.99 | $100 or $125 |
| $46.83 to $54.75 | $100 |
| $38.99 to $66.99 | $100 to $150 |
| $44.99 to $49.99 | $60 to $100 |
*Data updated January 2026
Most home warranty companies allow you to pay monthly or annually. Many Michigan homeowners opt for annual billing to secure a discount, while monthly payments provide a more manageable cash flow.
When you make a claim, you'll pay a service fee (sometimes called a deductible) each time a technician visits. These fees usually run from $50 to $150 per visit, depending on your plan.
You can customize your warranty plan by adding extra coverage for items like pools, sump pumps or septic tanks. These add-ons generally range from $2 to $25 per month for each item.
Example: total annual home warranty costs
- Comprehensive coverage ($60 per month): $720 per year
- Add-on for roof leak repair ($10 per month): $120 per year
- Two claims ($100 service fee): $200
- Total: $1,040 per year
Michigan home warranty plans generally fall into three categories: appliance coverage, systems coverage and combination plans.
Optional add-ons let you tailor your protection. In Michigan, roof leak protection is especially valuable due to ice and snow, while sump pump and septic system coverage is ideal for homes in flood-prone or rural areas.
Betty in Troy remembers hesitating before her first home warranty request, expecting hassle. Instead, she says, "Making my first claim was very simple. I just had to answer some very basic questions and the process was started." With a friendly rep explaining next steps, it felt surprisingly effortless.
Key takeaway: Filing claims can be simple with clear guidance
Linda in Battle Creek expected a smooth claim when her heat failed in single digits, but the steps felt slow. She explains, "They wanted the service rep to only diagnosis the problem ... then wait another 24 to 48 hours to get approval." With urgent repairs, paying out of pocket felt like the only option.
Key takeaway: Delays and strict claim steps can derail urgent repairs
Decarla in Eastpointe thought a washer claim would bring quick relief, but the delays kept stacking up. “My washer broke 10/19. I made a claim 10/20… I have had 4 service repairs and still do not have a washing machine.” After “The 25 days and 4 repairs,” she was still waiting and paying extra to get by.
Key takeaway: Repeated repairs and long waits can leave you paying out of pocket
How much you save depends on what breaks down in your home, but even one major covered repair can pay for a full year of coverage. The Consumer Financial Protection Bureau suggests saving 1% to 3% of your home’s value annually for maintenance. That’s typically more than the $700 to $1,200 you’d spend on a home warranty and a few service fees. Avoiding just one big repair — like a furnace or water heater replacement — could save you thousands.
Furnace failures and frozen pipes with limited local contractor options can become emergencies. Well and septic failures can leave homes uninhabitable. Here's what repairs cost in Michigan.
| Item or system | Typical repair cost | Typical replacement cost | Included in basic coverage? |
|---|---|---|---|
| HVAC | $130 to $530 | $3,000 to $5,000+ | Yes |
| Plumbing | $150 to $800 | $1,500 to $4,000+ | Yes |
| Water heater | $200 to $1,000 | $800 to $1,700 | Yes |
Michigan has limited laws in place specifically related to home warranties. Added in 1979, the one section of Michigan's Consumer Protection Act that covers home service contracts only extends the duration of your contract if a strike or work stoppage interrupts service. Companies don't need a license to provide home warranties in the state, either.
However, the state government has put together a consumer protection guide to inform you of your rights and offer additional advice. While this guide doesn't specifically address home warranties in Michigan, it does include general information about consumer issues and how to avoid scams.
Whether a home warranty is worth it or not depends on the warranty, your finances and the condition of your home's systems and appliances.
If you anticipate significant repair bills and would like to offset these costs, a home warranty with the right coverage could be a good investment for you. However, if nothing goes wrong with your house, your warranty won’t be much good. Weigh the odds and decide for yourself.
Many home warranties are bought as part of a real estate transaction. However, you can buy a home warranty at any time. Keep in mind that many home warranty companies in Michigan have waiting periods before coverage activates, so it's better to buy a policy before a big problem arises.
Most Michigan plans don’t cover preexisting conditions, damage from extreme weather, or cosmetic and maintenance issues. Items like wells or septic systems may require extra add-on coverage. Always read the sample contract so you know exactly what’s excluded before you buy.
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 Michigan, then evaluated which performed best for local residents.
Here’s how we scored each company:
Note: Each superlative emphasizes certain factors more than others. For example, the “Best value” superlative weights cost at 20%, while “Best claims handling” gives more weight to reviews that mention the claims process and customer service.
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this guide include:
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
American Home Shield
| 3.7
110,347 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. No coverage limits on systems; up to $6,000 on appliances. | Get a Quote |
|
Choice Home Warranty
| 4.0
74,743 reviews
| Offers two plans with basic or comprehensive coverage. Plans start at $46.67 per month with an $85 service call fee. Optional coverage for limited roof leaks, pools and spas available. Make a claim online 24/7. | Get a Quote |
|
Cinch Home Services
| 4.1
12,355 reviews
| Offers system, appliance and combination home warranty plans. Service fees start at $100. Monthly fees range from $34.99 to $61.99. All work backed by a 180-day guarantee. Not available in all states. | Read reviews |
|
Regency Total Warranty
| 3.9
1,098 reviews
| Multiple home warranty plans. Coverage for home systems and appliances. Optional add-on coverage. Online and phone claim filing. Pricing starts at $39.99 per month. Discounted rate for annual payment. Available nationwide. | Read reviews |
Prestige Home Guard
| 4.6
9 reviews
| Home warranty plans starting at $29.99/month with $100 service fee. Available throughout the U.S. Fast claims processing. Contractor network to complete repairs. $5,000 coverage limit on most items. | Read reviews |
Liberty Home Guard
| 4.5
1,570 reviews
| Coverage starts at $1 a day. Customizable plans. Extensive technician network. Additional property discounts. Set per-claim fees. 60-day workmanship guarantee. Offers month-to-month coverage and longer-term plans. | Get a Quote |
HomeSafe
| 4.3
520 reviews
| Customizes home warranty plans in most states. Plans start 20 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Get a Quote |
ARW Home
| 4.4
2,842 reviews
| Flexible and affordable plans for home systems and appliances. Add-on coverage for water/sewer and electronics. 15,000+ local licensed technicians serve nationwide. File a claim and request service 24/7/365 online or by phone. | Get a Quote |
First American Home Warranty
| 4.0
8,946 reviews
| Offers three appliance and system combination plans. Monthly costs range from $42 per month to $82 per month, with a deductible of $85. Add-on coverage is available. | Get a Quote |
Select Home Warranty
| 3.6
16,182 reviews
| Appliance, system and combination plans available. Plans start at around $60 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
First Premier Home Warranty
| 1.8
641 reviews
| Provides appliance and systems warranty coverage. Available throughout the U.S. Customizable plans. Submit claims online or by phone anytime. Technicians arrive in 24 to 48 hours. Portable warranty plans. | Get a Quote |
Achosa Home Warranty
| 2.0
8 reviews
| Established in 2018. Serves 26 states. Coverage includes plumbing, electrical, roof leaks and major appliances. Each claim has a $100 service fee. Allows customers to choose their own licensed contractor. | Read reviews |
HomeServe
| 1.6
2,088 reviews
| A la carte options for customized coverage. Local, licensed technicians complete repairs. Guarantees repairs for one year. 24/7 claims hotline. Appliance coverage is available. Plans start at $7.99 a month. | Read reviews |
ServicePlus Home Warranty
| 1.3
1,954 reviews
| Offers two plans covering select systems and appliances. Costs start at $87.42, with a standard service call fee of $75. Coverage options vary by location. Add-on coverage is also available. | Read reviews |
GE Service Contracts
| 1.3
341 reviews
| Offers in-home service for repairs of qualifying appliances. The Service Protection Advantage plan, which provides extended warranties for any GE appliances, is provided through Assurant, Inc. | Read reviews |
America's Preferred Home Warranty
| 1.4
14 reviews
| Serves all of the United States except California. Offers 24/7 365 access to customer service. Service calls have a $50 or $100 deductible. Options to choose a local contractor or technician. | Read reviews |
Sears Home Services
| 1.1
425 reviews
| Technicians have an average of 10 years of experience. Available in all 50 states. 25% discount on noncovered appliances and HVAC repairs. Covers systems and appliances regardless of age, make or model. 30-day wait for repairs. | Read reviews |
2-10 Home Buyers Warranty
| 1.2
6,741 reviews
| Offers simple home warranty plans. Pricing is about average. Plan choice is straightforward. Optional add-ons allow for plan customization. Plan agreements are easy to understand. Claims are handled by an online portal. | Read reviews |
Home Warranty of America
| 1.0
4,033 reviews
| Offers two combination plans that cover more than 20 systems and appliances. Pricing starts at $48.33 with deductibles of $75 and $100. Drywall, doorbell and burglar and fire alarms are included in coverage. | Read reviews |
HSA Home Warranty
| 1.0
320 reviews
| Basic coverage includes systems and appliances with monthly costs averaging about $40 per month. Select 7-Star Upgrade coverage or optional add-ons to customize your coverage. Deductibles range between $75 and $100. | Read reviews |
Super
| 1.0
430 reviews
| Offers coverage for both repairs and maintenance. Three levels of service range in cost from $47 per month to $107 per month. Covers major appliances, systems and maintenance for lawn, cleaning, pest control and more. | Read reviews |
AFC Home Warranty
| 1.0
2,280 reviews
| Available in 47 states and Washington, D.C. Guarantees repairs for duration of contract. Covers up to 18 systems and appliances, including electronics like smartphones. Low coverage caps on some systems and appliances. | Read reviews |
The Home Service Club
| 1.0
818 reviews
| Choose from two plans to cover systems and appliances. Available add-ons include roof coverage. Premiums vary by state, but expect to pay about $50 per month for standard coverage, with deductibles from $65 to $125. | Read reviews |
American Home Protect
| 1.0
136 reviews
| Offers one base plan with coverage for appliances and systems. Additional coverage options available. Three-year contract. Typical $36 to $65 service fee. Unlimited claims for covered repairs. No online claim portal. | Read reviews |
Frontdoor
| 1.0
26 reviews
| Free app offers one live chat session with experts. Free how-to maintenance articles available. Frontdoor Basic, Prime and Premium membership plans. App available nationwide. Frontdoor Premium plan available in select locations. | Read reviews |
Home Warranty Inc
| 1.0
18 reviews
| Serves all of the United States except California, Oregon, Washington, Arizona and New York. $100 deductible on most plans. In-house or local technician options. 24/7 live claim support and four-hour response times. | Read reviews |
Global Home USA
| 1.0
View profile
| Home warranty company based in Addison, Texas. Offers three home warranty plans that real estate agents can purchase for their clients. Provides coverage for all states except Alaska, California, Washington and Wyoming. | Read reviews |
Priority Home Shield
| 1.0
37 reviews
| Home warranties with appliance-only, systems-only and combo plans. Plans start at around $43.75 a month. Provides real-time claim tracking. No home inspection or maintenance records required. | Read reviews |
Global Home Protection
| 1.0
View profile
| Home warranty company offering three warranty plan options. Additional coverage options available at an additional cost. 24/7 customer service and claim support. Free service transfer available. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $39.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
Complete Protection Home Warranty
| No reviews | Customizable home warranty plans. Four warranty plans. Pricing ranges from $49 to $79 per month. Covers appliances and home systems. 24/7 customer support. Online customer portal with claim filing. No deductible. | |
Everything Breaks Home Warranties
| No reviews | Monthly and annual home system, appliance and electronics plans. Five tiers of home warranty coverage. Option for individual appliance coverage. 31-day waiting period before coverage starts. | |
Elite Home Warranty
| 1.1
110 reviews
| Three base home warranty plans for appliances and systems. 12-month contract term. Licensed and insured technicians. 30-day waiting period before coverage starts. Older appliances covered. 90-day workmanship warranty. | Read reviews |
AHW Home Warranty
| 1.0
384 reviews
| Offers home warranty packages for basic appliances and major systems. Pay around $50 a month for a combo plan and $75 per service visit. 90-day guarantee on parts and 30-day guarantee for labor. | Read reviews |
