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Best Home Warranty Companies In michigan 2025

Michigan’s vibrant seasons can be tough on your home’s comfort.  Frigid winters and hot summers can stress appliances and systems. This guide lists the Best Home Warranty Companies in Michigan, helping you find a plan that safeguards your essential features,  keeping your home running smoothly year-round.

Our Picks: 5 Best Home Warranty Companies For michigan Residents

Here are the top home warranty companies in Michigan, offering extensive coverage, competitive pricing, and valuable perks designed to meet the needs of homeowners.

OUR #1 PICK
1

Elite Home Warranty

  • Extensive HVAC coverage for homes in harsh winters.
  • Offers flexible, customizable plans.
  • High customer ratings for quick claims resolution.
$150 Off + 1 Month Free. 30 Day Free Trial!
4.9
Excellent
fourhalf_star
Call Now
MOST POPULAR
2

Choice Home Warranty

  • Strong HVAC coverage for homes in cold climates.
  • Affordable monthly premiums starting around $46.83.
  • Transparent claims process with 24/7 assistance.
1st month free + Free roof coverage
4.1
Excellent
fourhalf_star
BBB ACCREDITED
3

America’s First Choice

  • Strong coverage for HVAC systems in harsh winters.
  • Affordable monthly premiums with customizable service fees.
  • Provides the option to select your own technician.
20% Off All Plans + Free Roof Leak Coverage
4.3
Excellent
fourhalf_star
BEST RATED BY U.S. NEWS
4

ARW Home – American Residential Warranty

  • Affordable plans with flexible pricing options.
  • Wide variety of add-on coverages for customized protection.
  • Excellent customer support and transparent terms.
2 Months FREE* on All Plans
4.3
Excellent
fourhalf_star
5

Regency Total Home Warranty

  • Covers essential home systems and appliances for peace of mind.
  • Available in all 50 states for consistent service.
  • Round-the-clock assistance for claims and repairs.
$300 Off + 2 Months Free + FREE Limited Roof Leak Protection
4.1
Excellent
fourhalf_star

Are Home Warranty Plans Beneficial For Michigan Homeowners?

Here are some key points highlighting the benefits of home warranty plans for Michigan homeowners:

  • Michigan experiences intense winter weather, with freezing temperatures and heavy snowfall. 
  • Cold temperatures in winter pose a risk of frozen pipes and plumbing issues. Coverage for Weather-Related Electrical System Challenges
  • Snowstorms and heavy winds can lead to power outages and electrical issues.
  • Michigan experiences humid summers, impacting appliances like refrigerators and air conditioning units.
  • Unpredictable weather conditions can lead to frequent wear and tear on home systems and appliances. 
  • Michigan occasionally faces severe storms, including thunderstorms and high winds. 
  • Michigan's climate is known for its variability. Extreme temperature fluctuations in Michigan can strain HVAC systems. 
  • Home warranty companies typically have a network of qualified service providers.

How Much Does A Michigan Home Warranty Cost?

Understanding the associated costs is crucial for Michigan homeowners exploring home warranty options. Here's an overview of the cost considerations for home warranties in the Great Lakes State:

Average Annual Cost

$450 - $650

Average Monthly Cost

$40 - $90

Average Service Fee (Deductible)

$55 - $130

In Michigan, the pricing of home warranties can vary based on several factors, and homeowners should carefully evaluate these elements:

  • Coverage Level: Plans covering both major systems and appliances may have a higher price tag than those focusing on essential coverage.
  • Deductible: Choosing a deductible is akin to decisions made in other insurance areas. Opting for a higher deductible can result in lower monthly premiums, giving homeowners flexibility in managing their budgets.
  • Home Size & Age: The size and age of your Michigan home contribute to the overall risk of system and appliance breakdowns. Larger or older homes may have a higher likelihood of issues, which can impact the cost of coverage.
  • Location: The specific location within Michigan can influence the average costs of home warranties. Factors such as local service provider availability and regional climate considerations may play a role.

Home Warranty Coverage In Michigan

Below are commonly included and excluded household items. It will help to make residents make informed decisions:

General Coverage of Michigan Home Warranty:

  • HVAC (Heating, Ventilation, and Air Conditioning) SystemsCoverage for the repair or replacement of essential components to ensure homes remain comfortable, addressing the fluctuating weather conditions from freezing winters to warmer summers.
  • Plumbing SystemsProtection against leaks, clogs, and water heater malfunctions, prevalent in Michigan due to occasional freezing temperatures and heavy rainfall.
  • Electrical SystemsThis includes coverage for repairs to wiring, outlets, and circuit breakers, ensuring safety and functionality, especially during severe weather events like thunderstorms and potential power outages.
  • Major AppliancesComprehensive coverage for major household appliances, including refrigerators, dishwashers, and ovens. This safeguards against breakdowns, providing Michigan homeowners convenience and peace of mind.

Common Exclusions

  • Pre-Existing ConditionsA home warranty plan may not cover existing issues with your home systems or appliances.
  • Cosmetic IssuesRepairs solely for aesthetic purposes are generally not covered by home warranty plans.
  • Maintenance NeglectBreakdowns resulting from a lack of proper maintenance may not be covered.
  • Specific ExclusionsCompanies may have specific exclusions that vary. A thorough review of the plan details is crucial to understanding these exclusions, enabling homeowners to make informed decisions about coverage.

Here are Additional Points to Consider

  • Coverage Caps: Home warranty plans may limit how much they cover for repairs or replacements. Understanding these limits is vital to being aware of potential out-of-pocket expenses.
  • Service Call FeesSome companies charge a set fee for each service call, while others may have variable fees. Knowing these fees upfront assists in budgeting for potential repairs and avoiding surprises.
  • Network LimitationsTechnicians within the warranty provider’s network may be unavailable in all areas, mainly rural locations. Homeowners should consider the accessibility of service providers when choosing a home warranty plan.

Who Regulates Home Warranty Companies In Michigan?

The Consumer Protection Guide for Michigan includes a list of federal, state, county, and local agencies that provide services for Michigan consumers. 

Home warranty-related consumer protection laws, specifically section 445.903a of the Michigan Consumer Protection Act, have been around.

Homeowners can contact the Attorney General’s Consumer Protection Division by calling 517-373-1140 or writing to P.O. Box 30213, Lansing, MI 48909-7713.

Final Word 

The perfect home warranty plan ensures you get all the benefits offered. Review the coverage, reputation of the provider, and contract costs carefully before choosing the best home warranty plan in Michigan.

Frequently Asked Questions (FAQs)

What Are The Most Frequent Home Repairs In Michigan?+

How To Cancel My American Home Shield Warranty?+

Are Home Warranties Worth It In Michigan?+

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