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6 Best Home Warranties Companies in Michigan of 2023
By Victor Rosario MONEY RESEARCH COLLECTIVE
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- Members Can Save Up to 50% at Nike, Costco, Home Depot & 1000’s more
- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
Get $50 OFF Any Plan
- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
Home warranty coverage can provide peace of mind and financial security by covering the repair or replacement costs of covered items that break down due to normal wear and tear. But with so many home warranty companies to choose from, how do you know which one is the best fit for your needs? In this article, we’ll explore the 6 best home warranties companies in Michigan of 2023 and provide a comprehensive guide to help you choose the best provider for your home.
Best home warranty companies in Michigan reviews
Best Overall: Liberty Home Guard
- Customize your plan with a very wide range of add-on coverages
- Offers systems-only, appliances-only and combination plans
- Some customers have reported slow response times for service requests
- More than 500 complaints made to the Better Business Bureau
Liberty Home Guard provides three easily understandable home warranty plans: Appliance Guard, Systems Guard, and Total Home Guard. While many companies give their plans vague or confusing names using precious metals, Liberty Home Guard’s straightforward approach is appreciated.
The Appliance Guard Plan, which costs $49.99 per month, covers nine common kitchen and laundry appliances, including garbage disposals, ceiling and exhaust fans, and garage door openers. For $54.99 per month, the Systems Guard Plan covers heating, air conditioning, plumbing, electrical systems, hot water heaters, and even ductwork. Liberty Home Guard’s Total Home Guard Plan, priced at $59.99 per month, includes coverage for all items in the two lower-priced plans, along with the option to choose a service call fee as low as $65.
What sets Liberty Home Guard apart is the extensive range of optional coverages available, with around thirty to choose from. These include popular add-ons like second refrigerators, well pumps, and septic pumping, as well as more unusual items such as pro-series appliances and maintenance services like carpet cleaning and exterior power washing. Even electronic devices can be covered with their plans.
Best Low-Cost Combo Plan: Select Home Warranty
- Offers individual plans for systems or appliances
- Low-cost combo plan
- Discounts for multiple-year plans
- Limited roof leak coverage available
- Fewer add-on coverage options than competitive plans
- Low coverage limits for appliances, electrical systems, and plumbing systems ($500)
- More exclusions than other plans
Select Home Warranty presents three plans for homeowners and home buyers to choose from: an appliance plan, a systems plan, and a combined plan. Their Bronze Care plan only covers appliances such as washers, dryers, refrigerators, stoves, built-in microwaves, and garbage disposals. On the other hand, their Gold Care plan only covers HVAC, electrical and plumbing systems, as well as water heaters and ductwork.
Their combo plan, Platinum Care, is one of the most affordable plans we have come across, but it includes limited coverage for roof leaks. However, it is important to note that Select Home Warranty’s low costs may come with some downsides, including low coverage limits on specific appliances and systems. For instance, their coverage limit for appliances is only $500, which may not be sufficient in today’s inflationary times, considering that a decent refrigerator costs over $1,000.
Best for Unlimited Coverage for Systems Repairs: American Home Shield
- Over 50 years in business
- Unlimited coverage for covered system repairs
- Covers items with no maintenance records
- Covers breakdowns of appliances that haven't been properly maintained
- Free removal of items that need replacement
- More expensive than other plans
Established in 1971, American Home Shield is one of the most experienced home warranty companies in the industry. In 1989, it was acquired by Service Master, a reputable and established company with over 100 years of experience in the home service category, which adds to American Home Shield’s credibility.
One of the company’s standout features is its comprehensive coverage with fewer exclusions than other home warranty providers. Their coverage also includes appliances that may have been neglected or improperly maintained, which sets them apart from other companies. Furthermore, American Home Shield has no limits on system coverage, meaning that you can save thousands of dollars should your heating system require replacement or repairs.
Their ShieldSilver plan includes coverage for four major systems in your home, such as heating, cooling, electrical, and plumbing. The ShieldGold plan expands the coverage to include kitchen and laundry room appliances. The ShieldPlatinum plan includes everything in the two less expensive plans and adds limited roof leak coverage, free HVAC tune-ups, and unlimited refilling of A/C refrigerant. Additionally, the ShieldPlatinum plan also provides coverage for repairs due to code violations, which are usually excluded from home warranty plans.
Best for No-Inspection Coverage: Choice Home Warranty
- First month free when you select an annual plan
- Two combination systems-and-appliances plans to choose from
- Publishes an informative homeowner's blog
- Refrigerators not covered in its lowest-cost plan
- Only covers properly maintained systems and appliances
- No sample contract provided on website
Choice Home Warranty has two plans that can be customized to meet the unique needs of various properties. These plans are priced moderately, making them an excellent value for homeowners seeking comprehensive coverage.
Unlike some other home warranty providers, Choice Home Warranty does not mandate a home inspection before issuing an insurance policy. Nevertheless, it’s essential to keep in mind that the company can decline coverage for any pre-existing condition, whether or not it was previously known. This is a crucial factor for homeowners who may not be aware of any underlying issues when they purchase an existing property.
Other companies we considered
First American Home Warranty
First American Home Warranty has higher coverage limits than many of its competitors, which is a noteworthy benefit for homeowners. For instance, their coverage limit for kitchen refrigerators is $3,000, surpassing many other providers. Furthermore, the company offers low-priced service call fees, ranging from $75 to $100, and boasts a vast network of screened contractors and technicians to handle service requests.
Another crucial factor of First American Home Warranty is its easy-to-understand contract agreements. The contracts are concise and explicitly laid out, simplifying coverage options for potential clients. Nevertheless, it’s important to keep in mind that cancellation policies vary based on the geographical location, which is why it’s critical for customers to carefully review the warranty agreements before enrollment.
AFC Home Club
AFC Home Club provides home warranty coverage for appliances and systems, offering coverage limits ranging from $1,500 to $2,000 per item. Their plans start at $395 per year and come with a 30-day refund policy, with pro-rated options available after that period. Customers can choose to work with either their own contractors or those within the AFC Home Club network. It’s important to note that there is a 30-day waiting period, and any claims filed before that time have a limited payout of $150.
AFC Home Club stands out for its affordable service fees, which range from $75 to $125, and HVAC tune-ups are exempt from coverage limits. The company is a member of the NHSCA and has been accredited by the Better Business Bureau since 2009, earning a B rating. Additionally, the company’s website provides a free quote calculator, a sample contract, and detailed coverage information for each item.
Best Home Warranties Companies in Michigan Guide
Before we dive into our top 6 picks for the best home warranty companies in Michigan, it’s important to understand some key factors to consider when choosing a provider:
- Coverage Options: Make sure to review the home warranty coverage options provided by each company, including the types of appliances and systems that are covered. Some providers may have more comprehensive plans that cover a wider range of items, while others may have more basic plans that only cover certain appliances or systems.
- Service Fee and Deductible: A service fee is the fee that you will pay to the home warranty company every time you request service. Be sure to review the service fee for each provider, as well as any deductibles that may be required for certain repairs.
- Cost: A home warranty’s cost can vary depending on the provider and the coverage you choose. Be sure to review the monthly cost or annual cost for each provider and compare it to the coverage offered.
- Waiting Period: Some home warranty companies may have a waiting period before you can request service. Make sure to review the waiting period for each provider and consider this when making your decision.
- Additional Coverage: Some home warranty providers may offer additional coverage for items such as pools, spas, or well pumps. Be sure to review the additional coverage options provided by each provider if you have these items in your home.
It’s also important to know what to do if a home warranty is not honored.
What does a home warranty company cover in Michigan?
A home warranty covers the repair or replacement costs of covered items that break down due to normal wear and tear. The specific items that are covered can vary depending on the provider and the plan you choose. Typically, home warranty coverage includes major home systems such as HVAC, plumbing, and electrical, as well as major appliances such as refrigerators, ovens, and washers and dryers.
Other home appliances and systems that may be covered by your home protection plan include:
- Air conditioners
- Cooktops
- Clothes washers
- Septic systems
- Stand-alone freezers
- Sump pumps
- plumbing systems, including plumbing stoppages
How much does a home warranty cost in Michigan?
The cost of a home warranty in Michigan can vary depending on the provider and the coverage you choose. Typically, the cost can range from $300 to $600 per year. Some providers may offer a monthly payment option, which can range from $30 to $50 per month. Be sure to review the cost for each provider and consider it in conjunction with the coverage offered.
Who regulates home warranty companies in Michigan?
Home warranty companies in Michigan are regulated by the Michigan Department of Insurance and Financial Services. The department ensures that home warranty companies comply with state laws and regulations and that they operate in a fair and ethical manner.
How does a home warranty work?
When a covered item in your home breaks down due to normal wear and tear, you can submit a claim to your home warranty provider. The provider will then dispatch a service provider to your home to assess the issue and make the necessary repairs or replacements. You will be responsible for paying the service fee for each request, as well as any deductibles required for certain repairs.
Michigan Home Warranties FAQs
How much is the service fee for a home warranty in Michigan?
Does a home warranty plan cover a roof leak?
Do home warranties have deductibles for restoration?
Why is electrical system coverage important in Michigan home warranties?
Does a home warranty company cover any pre-existing conditions?
How we chose the Best Home Warranties Companies in Michigan
To determine the best home warranty companies in Michigan and if a home warranty is worth it for you, we considered several factors, including:
- Coverage options: We evaluated each company’s coverage options to see how comprehensive their plans were and how much they covered.
- Service fees: We looked at each company’s service fees to see how much homeowners would have to pay for each service call.
- Customer service: We evaluated each company’s customer service to see how responsive and helpful they were when dealing with customers.
- Price: We compared the prices of each company’s plans to see how they stacked up against each other and if they were reasonable for the coverage provided.
- Reputation: We looked at each company’s reputation by reading customer reviews and checking their Better Business Bureau (BBB) rating.
