Repair bills for major systems and appliances can cost Detroit homeowners thousands of dollars every year, particularly for those who live in older homes. One way to reduce repair costs is to invest in a home warranty, which helps pay for repairs on essential home systems and appliances, such as your heating system and dishwasher, that break down due to normal wear and tear. Keep reading for the best home warranty services in the Detroit area.
Top 3 Home Warranty Companies in Detroit
The highest-rated home warranty companies in Detroit, MI, include:
- American Home Shield: Best for Comprehensive Coverage
- Liberty Home Guard: Best Customer Ratings
- Cinch Home Services: Best Additional Perks
American Home Shield
For the best overall home warranty in Detroit, we recommend American Home Shield (AHS). This industry-leading provider has a large nationwide network of trusted contractors to perform repairs and a dedicated customer service department to take your calls any time of day or night.
All three of AHS’ home warranty plans provide comprehensive coverage for your home’s most essential items. The ShieldSilver plan covers important home systems, such as your air conditioning and heating, the ShieldGold plan covers systems and appliances, and the ShieldPlatinum plan covers everything in the ShieldGold plan and provides coverage for a few extra items, including a free HVAC tune-up and roof leak coverage.
American Home Shield Plans
| Coverage | ShieldSilver | ShieldGold | ShieldPlatinum |
|---|---|---|---|
| Air conditioner | ✓ | ✓ | ✓ |
| Heating unit | ✓ | ✓ | ✓ |
| Ductwork | ✓ | ✓ | ✓ |
| Built-in exhaust, vent, and attic fans | ✓ | ✓ | ✓ |
| Main breaker and fuse panel box | ✓ | ✓ | ✓ |
| Doorbells and chimes | ✓ | ✓ | ✓ |
| Interior electrical lines | ✓ | ✓ | ✓ |
| Ceiling fans | ✓ | ✓ | ✓ |
| Garage door openers | ✓ | ✓ | ✓ |
| Interior plumbing lines | ✓ | ✓ | ✓ |
| Toilets | ✓ | ✓ | ✓ |
| Faucets and valves | ✓ | ✓ | ✓ |
| Whirlpool tub motor and components | ✓ | ✓ | ✓ |
| Water heater | ✓ | ✓ | ✓ |
| Refrigerator | ✓ | ✓ | |
| Range/Cooktop | ✓ | ✓ | |
| Oven | ✓ | ✓ | |
| Dishwasher | ✓ | ✓ | |
| Built-in microwave oven | ✓ | ✓ | |
| Garbage disposal | ✓ | ✓ | |
| Instant hot/cold water dispenser | ✓ | ✓ | |
| Washer | ✓ | ✓ | |
| Dryer | ✓ | ✓ | |
| Roof leak repairs | ✓ |
American Home Shield Prices
American Home Shield’s service call fees, which you’ll pay each time a technician visits your home to make a repair or replacement, range between $75 and $125. You can choose a service call fee of $100 or $125 in return for a reduced monthly premium.
Below are sample quotes for all three American Home Shield plans.
| Plan | Monthly Premium |
|---|---|
| ShieldSilver | $49.99 |
| ShieldGold | $59.99 |
| ShieldPlatinum | $74.99 |
Call American Home Shield at 844-529-9298 or fill out this simple online form for a free quote.
Liberty Home Guard
Liberty Home Guard (LHG) is one of the most responsive home warranty companies in the industry and can send a technician to your home within 24-48 business hours of you submitting a service request. Not to mention, it has an online portal where customers can track service requests and submit reviews of their experience.
Liberty Home Guard offers three coverage plans, in addition to a variety of add-on coverage options for your pool, spa, well and sump pumps, and more. Compare Liberty Home Guard’s coverage plans below.
Liberty Home Guard Plans
| Coverage | Systems Guard | Appliance Guard | Total Home Guard |
|---|---|---|---|
| Air conditioning system | ✔ | ✔ | |
| Heating system | ✔ | ✔ | |
| Ductwork | ✔ | ✔ | |
| Plumbing system | ✔ | ✔ | |
| Electrical system | ✔ | ✔ | |
| Water heater | ✔ | ✔ | |
| Washer/Dryer | ✔ | ✔ | |
| Refrigerator | ✔ | ✔ | |
| Built-in microwave | ✔ | ✔ | |
| Dishwasher | ✔ | ✔ | |
| Garbage disposal | ✔ | ✔ | |
| Range/Oven/Cooktop | ✔ | ✔ | |
| Ceiling/exhaust fans | ✔ | ✔ | |
| Garage door openers | ✔ | ✔ |
In addition to its three plans, Liberty Home Guard offers 30 optional add-ons, including:
Liberty Home Guard Prices
Liberty Home Guard has a service call fee of $80 for one-year plans and a service call fee of $70 for multi-year plans, providing flexibility for homeowners who want to pay a lower deductible. Below is a breakdown of Liberty Home Guard’s plan prices with an $80 service call fee.
| Plan | Monthly Premium |
|---|---|
| Appliance Guard | $39.99 |
| Systems Guard | $49.99 |
| Total Home Guard | $59.99 |
For a free estimate, call Liberty Home Guard at 866-452-9107 or fill out this simple online form.
Cinch Home Services
Cinch Home Services is known for providing customers with a variety of perks, in addition to comprehensive system and appliance coverage. Customers can receive protection for pre-existing conditions, discounts when purchasing new appliances, and air conditioner or water filter credits.
Like other top home warranty providers, Cinch offers three coverage plans. One of Cinch’s plans covers home appliances, one covers systems, and one covers both. If you purchase the Complete Home plan, you may qualify for a reimbursement if you have to pay money toward the deductible on your homeowners insurance.
Cinch Home Services Plans
| Coverage | Appliances | Built-In Systems | Complete Home |
|---|---|---|---|
| Washer/Dryer | ✔ | ✔ | |
| Cooktop | ✔ | ✔ | |
| Dishwasher | ✔ | ✔ | |
| Built-in food center | ✔ | ✔ | |
| Built-in microwave | ✔ | ✔ | |
| Freestanding ice maker | ✔ | ✔ | |
| Range/Exhaust hood | ✔ | ✔ | |
| Refrigerator | ✔ | ✔ | |
| Built-in trash compactor | ✔ | ✔ | |
| Oven | ✔ | ✔ | |
| AC and heating (including ductwork) | ✔ | ✔ | |
| Attic/Ceiling fans | ✔ | ✔ | |
| Central vacuum | ✔ | ✔ | |
| Doorbells | ✔ | ✔ | |
| Electrical system | ✔ | ✔ | |
| Garage door openers | ✔ | ✔ | |
| Garbage disposals | ✔ | ✔ | |
| Instant hot/cold water dispenser | ✔ | ✔ | |
| Plumbing system | ✔ | ✔ | |
| Smoke detectors | ✔ | ✔ | |
| Sump pump | ✔ | ✔ | |
| Water heater | ✔ | ✔ | |
| Built-in jetted bathtub | ✔ | ✔ | |
| Homeowners insurance deductible reimbursement | ✔ |
Cinch also offers coverage for the following add-ons:
- Pool (heater included)
- Spa (heater included)
- Pool with spa (heater included)
- Septic tank/pumping
- Well pump
- Premier Upgrade Package
Cinch Home Services Prices
Similar to American Home Shield, Cinch lets you choose between three service call fees: $100, $125, or $150. Below is a breakdown of monthly plan pricing depending on which service fee you choose.
| Plan | $100 Service Fee | $125 Service Fee | $150 Service Fee |
|---|---|---|---|
| Appliances | $45.00 | $52.00 | $62.00 |
| Built-in Systems | $40.00 | $46.00 | $56.00 |
| Complete Home | $35.00 | $40.00 | $50.00 |
Call Cinch Home Services at 844-979-0899 or fill out this easy online form to get a free quote.
What Does a Home Warranty in Detroit Cover?
A home warranty covers repairs and replacements for covered items that wear out during the course of normal use. Common systems and appliances that are covered include:
- Refrigerators
- Dishwashers
- Clothes washers
- Clothes dryers
- Ovens
- Ranges
- Stoves
- Cooktops
- Air conditioning systems
- Heating systems
- Electrical systems
- Plumbing systems
- Ductwork
- Garage door openers
- Garbage disposals
Some home warranty companies, such as American Home Shield, will also cover damage resulting from insufficient maintenance, rust, corrosion, or sediment. Read your home warranty contract for a full list of coverages and exclusions.
Benefits of a Home Warranty in Detroit, MI
A Michigan home warranty can provide peace of mind by covering repairs on major systems and appliances that unexpectedly break down due to normal wear and tear. No matter how old your home is or how old its appliances and systems are, your home warranty will cover most items for the cost of a small service fee.
Additionally, you won’t have to go through the hassle of finding a contractor who can perform the necessary repairs. Most home warranty companies have a network of pre-approved technicians that they trust to perform a repair or replacement.
How Much Does a Home Warranty Cost in Detroit?
In general, a home warranty costs between $30 and $60 per month. Since the cost of living in Detroit is 3.8% lower than the national average, according to Salary.com, a Detroit home warranty will be in the middle to lower end of the $30-$60 range.
Our Conclusion
Homeowners in Detroit can’t go wrong with any of the three providers on our list. Although American Home Shield is our top overall pick for Detroit residents for its comprehensive coverage and flexible service call fees, it may not be the best option for everyone. We ultimately recommend getting a free quote from multiple home warranty providers to compare coverage plans and pricing in your area.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.