The Best Home Warranty Companies in Michigan (2022) – MarketWatch

Michigan has icy winters that require residents to keep their homes warm. If you experience a furnace or other appliance breakdown due to normal wear and tear, a home warranty plan will cover expensive repair and replacement costs.

We at the Home Media reviews team analyzed the best home warranty companies in Michigan and compiled a list of our top recommendations.

The 5 Best Home Warranty Companies in Michigan

Below are the best home warranty providers in Michigan, along with a key attribute for each:

American Home Shield

American Home Shield (AHS) is our top pick for Michigan homeowners who want the most comprehensive coverage for their home. AHS provides a hefty $3,000 coverage cap in its lowest-level plan, plus it covers items that have malfunctioned due to rust, corrosion and sediment damage. Its ShieldPlatinum plan doubles its coverage cap to $6,000.

Pros and Cons of American Home Shield

Here are American Home Shield’s key pros and cons:

+ Doesn’t require a home inspection to provide coverage
+ Includes annual discount on HVAC tune-ups
+ Offers generous coverage cap per plan ($3,000 ShieldSilver and ShieldGold, $6,000 ShieldPlatinum)
– Charges slightly higher per plan compared to other home warranties
– Provides limited flexibility with only a few add-on coverage options

Plans and Coverage

American Home Shield offers three plans: ShieldSilver, ShieldGold and ShieldPlatinum. The ShieldSilver plan protects 15 major systems. The ShieldGold covers both home systems and major appliances. The ShieldPlatinum covers systems and appliances, increases its coverage cap to $6,000, and includes roof-leak protection plus refrigerant costs.

Liberty Home Guard

Liberty Home Guard (LHG) is a solid choice if you own a home with a unique system or appliance, such as a reverse osmosis water filtration system. LHG provides 38 different add-on coverage options for ultimate customization. Additionally, LHG guarantees all repairs for up to 60 days — double the industry standard. 

Pros and Cons of Liberty Home Guard

Review a few key pros and cons for Liberty Home Guard below:

+ Guarantees workmanship on repairs for 60 days 
+ Offers customizable coverage with more than 30 unique add-ons
+ Provides convenient live-chat feature on website 
– Lacks transparency about service call fee pricing

Plans and Coverage

Liberty Home Guard offers the Appliance Guard, Systems Guard and Total Home Guard plans. Its Appliance Guard protects nine major appliances. The Systems Guard protects six home systems, and the Total Home Guard protects all 15 items. LHG has a $2,000 coverage cap per item.

Select Home Warranty

Select Home Warranty is our pick for budget-friendly plans due to its affordable coverage. Select provides a generous coverage cap of $3,000 for HVAC cooling and heating systems. However, its coverage caps of $500 for major appliances and $400 for add-ons are lower than most providers on this list.

Pros and Cons of Select Home Warranty

Review our top pros and cons for Select Home Warranty coverage:

+ Charges a low $75 service call fee
+ Includes roof-leak coverage in every plan ($400 annually)
+ Provides $3,000 coverage cap on HVAC systems
– Doesn’t let customers choose their service provider
– Doesn’t specify workmanship guarantee in sample contract

Plans and Coverage

Select Home Warranty provides home protection through its Bronze Care, Gold Care and Platinum Care plans. The table below highlights the covered items in each plan.

First American Home Warranty

Our final recommendation is First American Home Warranty due to its simple, affordable and robust coverage plans. Its First Class Upgrade add-on supplements coverage plans by covering preexisting conditions, miscellaneous appliance parts, and home and permit fees. 

Pros and Cons of First American Home Warranty

Review our list of First American’s pros and cons:

+ Covers working appliances and systems regardless of age
+ Offers no coverage cap for HVAC, ductwork and more
+ Provides easy-to-read service contract
– Excludes roof-leak repair coverage
– Excludes major systems in its Basic Plan

Plans and Coverage

First American has two plans: the Basic Plan and the Premier Plan. The Basic Plan covers appliances, such as microwaves and refrigerators. The Premier Plan covers appliances and home systems, such as ductwork and HVAC. The table below outlines the items each plan covers.

America’s First Choice Home Club

America’s First Choice Home Club (AFC Home Club) is another reputable provider that offers coverage flexibility via four plans and three service call fee options. It has the longest workmanship guarantee of any provider mentioned in this list. However, it provides lower coverage caps for many covered items, such as air conditioning ($500) and ductwork ($150).

Pros and Cons of America’s First Choice Home Club

Review key pros and cons for AFC Home Club:

+ Includes membership perks such as discounted health and dental insurance
+ Guarantees coverage rate up to five years
+ Provides a plan-length workmanship guarantee on repairs
– Excludes coverage for items with preexisting conditions 
– Offers low coverage caps for HVAC systems and appliances ($150–$500 per item)

Plans and Coverage

AFC Home Club provides four plans, each with varying coverage options. The Systems plan covers home systems and the Silver plan covers appliances. The Gold and Platinum plans are more comprehensive, bundling systems and appliance coverage. The Platinum plan also covers additional items, such as ice makers and faucets.

Get your quote: Fill out AFC Home Club’s quote form or call 877-755-1115 for your free quote.

To learn more: AFC Home Club review

Compare Michigan’s Top Home Warranty Companies

Here’s how our top Michigan home warranty providers compare on monthly premiums and service call fees:

The Bottom Line: Which Michigan Home Warranty Company Is Right for You?

A home warranty provides peace of mind that you can afford to take care of unexpected home repairs right away. We recommend American Home Shield as our editors’ choice due to its comprehensive coverage options. Liberty Home Guard offers customizable coverage with a variety of unique add-ons, and Select Home Warranty includes roof-leak repair coverage in each plan.

Before selecting a provider, obtain quotes from at least three companies and carefully review their sample contracts to understand which plan and cost range works best for you.

Methodology: Our System for Ranking the Best Home Warranty Companies

Our consumers rely on us to provide objective and accurate information — as such, we create a comprehensive rating system to formulate our rankings of the best home warranty companies. This system accounts for a wide range of ranking factors, and we collect data on dozens of home warranty providers to grade the companies on each factor. The end result is a cumulative score for each provider — companies that score the most points top the list.

To ensure our research is as thorough as possible, we call every major home warranty provider directly and speak with representatives to get quotes, specifics on coverage options, availability based on location and additional information. We also review sample contracts to better understand what each plan covers and to identify limitations. In addition, we simulate the process of reaching out to each company’s customer service team to evaluate their level of helpfulness and ability to solve problems.

Once we gather all relevant data, we use the following scoring system to grade each home warranty company on a 100-point scale, then convert the score to a 5-point rating:

• Overall plan options (25 points): Companies that offer a variety of plan options are more likely to meet consumer needs. Thus, we award more points to providers that offer more plans and greater flexibility.
• Cost (25 points): Monthly fees and service fees are both taken into consideration. The lower the fees, the higher the score.
• Trust (25 points): We analyze customer feedback on third-party review sites to gauge the reputation of each company. We deduct points for companies that are currently facing or have recently faced civil lawsuits.
• Customer service (10 points): We base this factor on the responsiveness, friendliness and helpfulness of a company’s customer service team.
• State availability (5 points): Most home warranty companies do not serve all 50 U.S. states. Providers that offer service in most states score the highest in this category.
• Additional benefits (5 points): Promotions and discounts are among the perks that can make a home warranty more attractive to consumers. Companies that offer benefits that competitors don’t are awarded more points.
• Coverage specifics (5 points): While the total number of plan options is important, it is also essential to consider what is covered under each plan. The more comprehensive the coverage, the better.