Michigan guide · Updated October 21, 2026
Best Home Warranty Companies in Michigan
Michigan homeowners deal with cold winters and warm, humid summers, so furnaces and air conditioners both earn their keep. A home warranty can help pay for covered repairs when those systems and your appliances wear out.
See which companies serve your exact address
Availability changes by ZIP code. Enter yours to compare current plans and service fees side by side.
Enter your ZIP codeHome warranty companies serving Michigan
Listed in no particular order — not a ranking. The best fit depends on your home, your budget and the coverage you want.
Choice Home Warranty
Serves the stateSells plans in this state. Pricing is shared in your personalized quote.
American Home Shield
Most areasServes most of the state, but its latest targeting list excludes some ZIP codes here.
Select Home Warranty
Serves the stateSells plans in this state. Published starting rates and service-fee ranges appear on the comparison page.
First American Home Warranty
Some ZIP codesServes many, but not all, ZIP codes in this state. Your ZIP decides whether it appears.
What Michigan homeowners should check
Furnaces and AC both matter
You rely on heating and cooling at different times of year. Make sure both are covered and compare each plan's limits.
Basements and sump pumps
Many homes have basements with sump pumps and water heaters. Check whether sump pumps are included or an add-on.
Freeze-related exclusions
Some plans limit coverage for damage caused by freezing. Read the exclusions before you buy.
How Michigan regulates home warranties
Agency: Michigan Department of Insurance and Financial Services
Law: Service contracts are not insurance, MCL 500.125
Common questions
Are home warranty companies regulated in Michigan?
We found no home warranty licensing program in Michigan. Service contracts are not insurance, MCL 500.125. Complaints go to the Michigan Department of Insurance and Financial Services.
Is a home warranty worth it in Michigan?
It depends on the age of your systems and appliances and how you'd handle a sudden repair bill. Compare plans and service fees for your ZIP before deciding.
Which home warranty companies serve my Michigan address?
Availability can vary by ZIP code. Enter yours and the comparison shows only companies that aren't ruled out for your address.
More answers: Home warranty FAQ · Blog
Compare Michigan home warranty plans
Free and with no obligation. See which companies serve your ZIP code.
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