Best overall
Regency Total Warranty
4.0
977 reviews
- Plans available
- 2
- Service fees
- $60 to $100
- Starting costs
- $44.99
- Labor guarantee
- Unclear
Best Home Warranties in Michigan
- Best overall
Regency Total Warranty4.0(977) - Value
American Home Shield3.7(108,813) - Claims handling
Cinch Home Services4.0(12,156)
By:
Amelia York
+1 more
Edited by:
Vincent Landino
Best Home Warranties in Michigan
Michigan’s cold winters, hot summers and aging housing stock make system and appliance breakdowns common. A home warranty helps homeowners reduce repair costs across these seasonal challenges.
Regency Total Warranty is the best home warranty company in Michigan, based on recent reviews from local homeowners. American Home Shield is a good value option, and Cinch Home Services stands out for its smooth claims experience.
Why trust ConsumerAffairs?
- Our recommendations are based on what reviewers say.
- 4,787,757 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 Michigan home warranty picks
- Best overall: Regency Total Warranty
- Value: American Home Shield
- Claims handling: Cinch Home Services
- Quick service: Choice Home Warranty
- Roof coverage: Select Home Warranty
Our research team vetted home warranty companies that are rated by hundreds of customers in Ohio. Read our guide to choose the best home warranty in Ohio 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 | Starting costs | Service fee | Covered systems | Covered appliances | Available plans | |
|---|---|---|---|---|---|---|---|---|
 Regency Total Warranty | Learn More | 4.0
977 reviews
977 reviews
| Best overall | $44.99 | $60 to $100 | 6 | 13 | 2 |
 American Home Shield | Get a Quote | 3.7
108,813 reviews
108,813 reviews
| Value | $29.99 | $100 or $125 | 14 | 9 | 3 |
 Cinch Home Services | Get a Quote | 4.0
12,156 reviews
12,156 reviews
| Claims handling | $38.99 | $100, $125 or $150 | 10 | 12 | 3 |
 Choice Home Warranty | Get a Quote | 4.0
72,789 reviews
72,789 reviews
| Quick service | $46.83 | $100 | 9 | 8 | 2 |
 Select Home Warranty | Get a Quote | 3.7
15,941 reviews
15,941 reviews
| Roof coverage | $60.42 | $75 to $100 | 8 | 7 | 3 |
Best value
American Home Shield
3.7
108,813 reviews
- Plans available
- 3
- Service fees
- $100 or $125
- Starting costs
- $29.99
- Labor guarantee
- 30 days
Best claims handling
Cinch Home Services
4.0
12,156 reviews
- Plans available
- 3
- Service fees
- $100, $125 or $150
- Starting costs
- $38.99
- Labor guarantee
- 180 days
Best for quick service
Choice Home Warranty
4.0
72,789 reviews
- Plans available
- 2
- Service fees
- $100
- Starting costs
- $46.83
- Labor guarantee
- 60 days
Best for roof coverage
Select Home Warranty
3.7
15,941 reviews
- Plans available
- 3
- Service fees
- $75 to $100
- Starting costs
- $60.42
- Labor guarantee
- 180 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, AC breakdowns in summer and plumbing or electrical issues in older homes. A home warranty can provide reliable coverage year-round.
Michigan home warranty plans typically range from $35 to $90 per month, depending on your plan, service fee and any extra coverage you add.
Jump to insightIn Michigan, prioritize heating and plumbing coverage while also considering protection for older systems.
Jump to insightMichigan has few laws regulating home warranties, requiring no licenses and offering only minimal contract protections.
Jump to insightHow much does a home warranty cost in Michigan?
Plan pricing in Michigan usually falls between $35 and $90 per month, based on the companies highlighted above. This makes Michigan’s warranty costs align closely with the national home warranty price range. Your monthly rate will be shaped by how much coverage you want, the deductible you choose and any add-ons you select.
Cost range by home warranty provider
| Company | Monthly premium range | Service call fee | |
|---|---|---|---|
Regency Total Warranty | Learn More | $44.99 to $49.99 | $60 to $100 |
American Home Shield | Get a Quote | $29.99 to $89.99 | $100 or $125 |
Cinch Home Services | Get a Quote | $38.99 to $66.99 | $100, $125 or $150 |
Choice Home Warranty | Get a Quote | $46.83 to $54.75 | $100 |
Select Home Warranty | Get a Quote | $60.42 to $63.75 | $75 to $100 |
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
How to choose a home warranty in Michigan
If you’re wondering how to buy a home warranty in Michigan, a good first step is figuring out what kind of warranty you need. Then you can find a company that offers the right warranty for you. Some tips include:
Getting quotes can also help confirm availability in certain areas of Michigan, like the Upper Peninsula.
- If you’re only worried about your home’s appliances, consider an appliance-only plan that just covers those items.
- If you’re more worried about fixing your home’s major systems, make sure your home warranty includes your air conditioner, plumbing, heating and wiring. This coverage could be especially handy if your heater breaks in the middle of winter and you don’t have enough saved to pay the bill immediately.
- If you want maximum protection against expensive repair bills, look for a comprehensive warranty that covers both appliances and home systems.
- If you have specialty items that aren’t normally included in coverage, like a pool, look for a plan with those items available as add-ons.
Next, put together a list of home warranty providers in Michigan that meet your criteria. Request quotes from each of them and compare their reviews, coverage limits and pricing to make an educated decision. Also, be sure to learn about their contract lengths, coverage limitations and policies.
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.
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.
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.
We prioritized real customer experiences in Michigan but also considered national reviews. We discarded companies with fewer than five in-state reviews. 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 charged 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.
Bottom line
A home warranty can save you money when it comes time to fix your home’s systems or appliances, but it’s up to you to decide if one’s right for your home. Take a look at different home warranty companies in Michigan, compare home warranty costs and review your warranty's coverage before signing the contract to ensure you’re making an educated purchase.
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 Sept.10, 2025.
- Michigan Legislature, "Consumer Protection Guide." Accessed Sept.10, 2025.
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Compare Top Michigan Home Warranty Companies
| Company | Customer rating | About | Learn More |
|---|---|---|---|
| 4.0
977 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 |
| 3.7
108,813 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 |
| 4.0
12,156 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 |
| 4.0
72,789 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 |
| 3.7
15,941 reviews
| Appliance, system and combination plans available. Plans start at around $45 a month. Roof coverage included for some plans. Special promotions include free extra months on your contract and annual pay discounts. | Get a Quote |
 | 5.0
6 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 |
 | 4.3
1,333 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 |
 | 4.3
2,742 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 |
 | 4.2
453 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 |
 | 4.0
8,861 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 |
 | 2.0
132 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 |
 | 1.9
616 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 |
 | 1.8
View profile
| 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 |
 | 1.5
2,024 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 |
 | 1.3
324 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 |
 | 1.4
12 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 |
 | 1.1
344 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 |
 | 1.1
109 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 |
 | 1.1
4,022 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 |
 | 1.1
1,941 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 |
 | 1.1
6,702 reviews
| Provides coverage for major systems and appliances. Premiums range from around $19 to $50 per month with an $85 to $125 deductible. Kitchen-only plan and roof leak coverage available. Offers structural warranties for new homes. | Read reviews |
 | 1.2
310 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 |
 | 1.0
426 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 |
 | 1.0
815 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 |
 | 1.2
23 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 |
 | 1.0
2,271 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 |
 | 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 |
 | 1.0
17 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 |
 | 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 |
 | 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 |
 | 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 |
 | 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. | |
 | 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. | |
 | 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. |
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