Best overall
First American Home Warranty
4.0
9,067 reviews
- Plans available
- Starter, Essential and Premium
- Monthly premium range
- $37 to $72
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best Home Warranty Companies in Michigan
- Best overall
First American Home Warranty4.0(9,067) - Furnace coverage
American Home Shield3.6(111,674) - Technicians
Liberty Home Guard4.6(1,872)
By:
Amelia York
+2 more
Edited by:
Vincent Landino
Fact-checked by:
Jon Bortin
Best Home Warranty Companies in Michigan
Michigan winters push heating systems to their limits, and First American Home Warranty holds up under that strain better than most competitors. Its heating coverage comes with a $5,000 cap, which can replace a dead furnace or boiler instead of settling for a stopgap repair.
Homeowners also get coverage for the appliances they rely on every day, including refrigerators, ovens and clothes washers. The monthly cost of a home warranty in Michigan is generally between $40 and $104.
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- Our recommendations are based on what reviewers say.
- 4,936,196 reviews on ConsumerAffairs are verified.
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- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
First American Home Warranty 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 insightIn Michigan, a home warranty costs $62.96 per month on average. Annual premiums range from $480 to $1,245, depending on coverage level. Service fees generally run $75 to $150 per claim.
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 4 home warranty company picks in Michigan
- Best overall: First American Home Warranty
- Best furnace coverage: American Home Shield
- Best technicians: Liberty Home Guard
- Best claims handling: Choice Home Warranty
Our 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.
Compare Michigan home warranty companies
| Company | Customer rating | Our pick for | Monthly starting cost | Service fee(s) | |
|---|---|---|---|---|---|
 First American Home Warranty | Get a Quote | 4.0
9,067 reviews
9,067 reviews
| Best overall | $33 | $100 or $125 |
 American Home Shield | Get a Quote | 3.6
111,674 reviews
111,674 reviews
| Furnace coverage | $29.99 | $100 or $125 |
 Liberty Home Guard | Get a Quote | 4.6
1,872 reviews
1,872 reviews
| Technicians | $49.99 | $65 to $125 |
 Choice Home Warranty | Get a Quote | 4.0
77,021 reviews
77,021 reviews
| Claims handling | $49 | $100 |
Our 4 Michigan home warranty company picks
Learn more about our top picks for the best home warranty companies, based on real, recent reviews from customers in Michigan on ConsumerAffairs.
Best furnace coverage
American Home Shield
3.6
111,674 reviews
- Plans available
- ShieldSilver, ShieldGold and ShieldPlatinum
- Monthly premium range
- $29.99 to $89.99
- Service fees
- $100 or $125
- Labor guarantee
- 30 days
Best technicians
Liberty Home Guard
4.6
1,872 reviews
- Plans available
- Appliance Guard, Systems Guard, Total Home Guard
- Monthly premium range
- $49.99 to $59.99
- Service fees
- $65 to $125
- Labor guarantee
- 365-day workmanship warranty
Best claims handling
Choice Home Warranty
4.0
77,021 reviews
- Plans available
- Basic and Total
- Monthly premium range
- $49.17 to $57.50
- Service fees
- $100
- Labor guarantee
- 60 days
Home Warranties in Michigan Buyers Guide
Jump into our guides and start learning
In this guide
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.
How to choose a home warranty in Michigan
When 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.
1. Decide what coverage you need
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.
2. Compare costs
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.
3. Review sample contracts
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.
4. Read customer reviews
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
How much does a home warranty cost in Michigan?
A home warranty in Michigan costs $62.96 per month, on average. Home warranty premiums generally range from $40 to $104 per month, depending on the plan. The average cost of a home warranty in Michigan is 6.9% lower than the national average.
Cost range by home warranty provider
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 |
 | $48.79 to $103.79 | $100 or $125 |
 | $39.99 to $99.99 | $100 or $125 |
 | $54.99 to $64.99 | $65 to $125 |
 | $49.17 to $57.50 | $75 to $100 |
| $48.79 to $103.79 | $100 or $125 |
| $39.99 to $99.99 | $100 or $125 |
| $54.99 to $64.99 | $65 to $125 |
| $49.17 to $57.50 | $75 to $100 |
*Data from July 2026
Monthly or annual premiums
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.
Service call fees
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.
Add-on coverage
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
What does a Michigan home warranty cover?
Michigan home warranty plans generally fall into three categories: appliance coverage, systems coverage and combination plans.
- Appliance plans safeguard items like refrigerators, dishwashers, ovens, built-in microwaves, washers and dryers.
- Systems plans protect your heating, plumbing, electrical, water heater and ductwork — all essential in Michigan's climate.
- Combo plans offer the broadest protection, covering both appliances and systems.
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.
Reviewers' experience filing home warranty claims in
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 can you save with a Michigan home warranty?
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.
Average repair/replacement costs for covered items
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 |
Home warranty regulations in Michigan
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.
FAQ
Is a home warranty worth it in Michigan?
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.
When should I buy a home warranty?
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.
What are common exclusions in Michigan home warranty plans?
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.
Is a home warranty worth it for rural Michigan homes?
A home warranty can be worth it for rural Michigan homes if it covers expensive systems such as furnaces, plumbing and well equipment. However, homeowners should confirm that the provider has technicians nearby. One of the biggest complaints from rural customers is that a home warranty’s contractor network is thin in their area, leading to long wait times.
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 Michigan, then evaluated which performed best for local residents.
Here's how we scored each company:
- Local satisfaction rate (40%): Reviews from real customers in Michigan are worth more than a company's nationwide reputation. If a company has a poor technician network locally or frequently denies Michigan homeowners' most frequent complaints, we capture that in our review analysis.
- Heating system coverage (35%): Winters in Michigan put furnaces and heating systems under heavy strain. We weighted each company by its heating coverage caps and how it handles freeze damage, since a failed furnace in Michigan is an emergency, not an inconvenience.
- Cost (10%): To compare apples to apples, we looked at the lowest-priced comprehensive plan each company offers in Michigan. We also considered the lowest service fees each company offers.
- National satisfaction rate (10%): To get a broader picture of how each company performs in specific aspects, we looked at national reviews. In this way, we could see who, overall, has the highest ratings for these seven satisfaction drivers:
- Technician quality
- Customer service
- Claims handling
- Punctuality and speed
- Coverage
- Value
- Refunds and payouts
- Additional benefits (5%): We rounded out our analysis by considering how many plans and service fee options each company offers (flexibility), labor guarantees and the availability of extra benefits like roof leak repair coverage and HVAC tuneups.
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.
Guide sources
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:
- Michigan Legislature, "Michigan Consumer Protection Act." Accessed July 13, 2026.
- Michigan Legislature, "Consumer Protection Guide." Accessed July 13, 2026.
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Compare top Michigan home warranty companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
|
First American Home Warranty
| 4.0
9,067 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 |
|
American Home Shield
| 3.6
111,674 reviews
| Three home warranty plans in 48 states. Unavailable in Alaska or Hawaii. Plans start at $29.99/month with a $125 service fee. $5,000 coverage limit on HVAC; up to $2,000 or $4,000 on appliances. | Get a Quote |
|
Liberty Home Guard
| 4.6
1,872 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 |
|
Choice Home Warranty
| 4.0
77,021 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 |
HomeSafe
| 4.3
692 reviews
| Customizes home warranty plans in most states. Plans start 25 days after signing. Offers ability to choose own licensed service technician. Can submit claims via phone or online. Does not cover roof leaks. | Read reviews |
ARW Home
| 4.4
2,948 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 |
Cinch Home Services
| 4.1
12,550 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. | Get a Quote |
Prestige Home Guard
| 4.2
10 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 |
Select Home Warranty
| 3.7
16,610 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 |
Priority Home Shield
| 3.6
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 |
Regency Total Warranty
| 3.4
1,159 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 |
Global Home USA
| 3.2
14 reviews
| 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 |
Super
| 2.5
444 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 |
HomeServe
| 1.6
2,139 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 $4.99 a month. | Read reviews |
First Premier Home Warranty
| 1.6
684 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 |
America's Preferred Home Warranty
| 1.6
17 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 |
Achosa Home Warranty
| 1.6
11 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 |
Sears Home Services
| 1.1
538 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
| 1.1
6,807 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 |
GE Service Contracts
| 1.2
363 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 |
ServicePlus Home Warranty
| 1.2
1,976 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 |
Home Warranty of America
| 1.1
4,053 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
| 1.2
331 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 |
The Home Service Club
| 1.2
823 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 |
AFC Home Warranty
| 1.0
2,281 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 |
Home Warranty Inc
| 1.0
22 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 |
Frontdoor
| 1.0
30 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 |
American Home Protect
| 1.0
137 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 |
Complete Protection Home Warranty
| 1.0
View profile
| 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. | Read reviews |
Armadillo Home Warranties
| No reviews | Offers a variety of home warranty plans for homeowners and landlords. Plans start at $29.99 per month. Network of service providers in most ZIP codes. Offers add-on coverage items. Available in 50 states. | |
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 |
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