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Best Home Warranty in Detroit, MI

Aug. 15, 2019, 8:17 p.m.

When major home systems and appliances break down, they become expensive problems to fix. Consider a home warranty to cover inevitable malfunctions. Our partners at Consumer Affairs researched the best home warranty in Detroit to protect you from these costly repairs.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. WXYZ may receive compensation from our partners. Learn more.

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#1
MOST POPULAR
American Home Shield

Be sure with The Shield.

VISIT WEBSITE
CALL AMERICAN HOME SHIELD
(888) 395-0951
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#1 MOST POPULAR
American Home Shield
American Home Shield
Features
  • 4 coverage plans
  • Starting at $75 deductible
  • Coverage regardless of age or make
  • Available in Detroit
Read More
VISIT WEBSITE
CALL AMERICAN HOME SHIELD
(888) 395-0951
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#2
Liberty Home Guard
Liberty Home Guard
Features
  • Month-to-month, annual or multiyear policies
  • Repair or replace your broken items
  • Plans start at less than $1 per day
  • 24/7 customer claims service
Read More
VISIT WEBSITE
CALL LIBERTY HOME GUARD
(646) 453-6807
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#3
Total Home Protection
Total Home Protection
Features
  • Available in Detroit
  • 24/7 claims service
  • Plans as low as $1 per day
  • Coverage regardless of make, model or age
Read More
VISIT WEBSITE
CALL TOTAL HOME PROTECTION
(732) 520-4474
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#4
Select Home Warranty
Select Home Warranty
Features
  • Contractor network
  • Real estate plans
  • Buyer & seller plans
  • 3 coverage plans
Read More
VISIT WEBSITE
CALL SELECT HOME WARRANTY
(317) 754-6642
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#5
Choice Home Warranty
Choice Home Warranty
Features
  • Contractor network
  • Real estate warranties
  • 24/7 claims
  • Buyer & seller coverage
Read More
VISIT WEBSITE
CALL CHOICE HOME WARRANTY
(732) 765-6416
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#6
America's 1st Choice Home Club
America's 1st Choice Home Club
Features
  • Available in Detroit
  • Fixed rate locked in with no year-to-year increases
  • No limit on service requests
  • Flexibility to choose your own service technician
Read More
VISIT WEBSITE
CALL AFC HOME CLUB
(678) 236-0645
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Why do I need a home warranty in Detroit?

Detroit skyline

Home warranties are ideal for new homeowners, especially first-time buyers without much home maintenance experience, and for owners of rental properties.

Although commonly purchased at closing, home warranties can be acquired at any time regardless of how long you’ve lived in your home.

Given the age of Detroit’s housing stock—more than 50 percent of homes in the city were built before 1950—and the likelihood of interior systems reaching the end of their life expectancy, home warranties in Detroit are comparatively affordable.

Home warranties are not the same as homeowners insurance. Insurance covers damages to the home’s structure and your belongings in instances of fire, robbery, natural disaster and accidents. Home warranties cover service to home systems and major appliances as the result of normal wear and tear.

Home warranty coverage in Detroit

While it’s important to read the contract thoroughly, Detroit home warranties generally cover maintenance to and replacement of major appliances and home systems, such as:

  • Air conditioning
  • Dishwashers
  • Doorbells
  • Heating systems
  • Electrical systems
  • Water heater
  • Indoor plumbing
  • Oven/stove
  • Ductwork
  • Ceiling fans
  • Garbage disposal
  • Telephone wiring

Refrigerators, roofs, washers and dryers are not covered by all warranties, but can be found in some and included as an add-on to others.

How much do home warranties cost in Detroit?

A standard one-year home warranty usually ranges between $300 and $700, with a deductible of $50 to $100. Most home warranties have maximum payouts per item and per year. A standard agreement could have a maximum payout per item of $2,000 and a yearly maximum of $10,000.

The upside is that instead of paying $1,500 to seal your ductwork, you pay the $75 deductible and the home warranty covers the rest. The downside is that you must cover any costs above the per item maximum specified in your contact.

Another thing to keep in mind is that most home warranties specify a service professional in their network to do the work.

How to avoid home warranty scams

Remember that there are dishonest players in every industry and home warranty is no different. To protect yourself, read reviews, research the company and comb through the terms of the warranty before you commit. For more on what to look for in a warranty, see tips from the Federal Trade Commission.

The National Home Service Contract Association, a non-profit trade organization that requires member companies to adhere to a strict code of ethics, maintains a list of its Michigan members.

Home warranties in Detroit aren’t for everyone, but for those who lack the expertise or desire to work on home systems and repair appliances, home warranties provide peace of mind, convenience and the potential to save thousands of dollars.

American Home Shield

American Home Shield

CALL AMERICAN HOME SHIELD

(888) 395-0951 VISIT AMERICAN HOME SHIELD

This NHSCA-approved company has four options: an appliance plan, a systems plan, a combo plan that covers both and a personalized plan, which allows you to customize a plan. Customers in Detroit say American Home Shield has an easy claims process, friendly agents and a large network of professional and reputable vendors.

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Liberty Home Guard

Liberty Home Guard

CALL LIBERTY HOME GUARD

(646) 453-6807 VISIT TOTAL HOME PROTECTION

With appliance and system plans starting at less than $1 per day, Liberty Home Guard offers flexible plans that let you tailor coverage to fit your home needs. Customer support is open 24/7 and Liberty says that empathy and integrity are core company values.

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Total Home Protection

Total Home Protection

CALL TOTAL HOME PROTECTION

(732) 520-4474 VISIT TOTAL HOME PROTECTION

With plans from $1 per day, THP is popular among Detroit residents on a budget. Total Home Protection has two plans with optional add-ons for more coverage. File claims anytime over the phone or online. Pre-approved contractors are sent to your home for only the deductible charged.

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Select Home Warranty

Select Home Warranty

CALL SELECT HOME WARRANTY

(317) 754-6642 VISIT WEBSITE

This company boasts award-winning service, which includes a 24/7 claims call center staffed by knowledgeable agents. Select Home Warranty offers three plans and lists what is covered in each on its website. Detroit customers report friendly customer service and reliable repair service. However, those with the add-on pool coverage report shoddy vendors, long wait times for service and claim denials.

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Choice Home Warranty

Choice Home Warranty

CALL CHOICE HOME WARRANTY

(732) 765-6416 VISIT CHOICE HOME WARRANTY

Coverage with Choice Home Warranty includes washers, dryers, refrigerators and garage door openers. The option of add-on coverage extends to pools, additional refrigerators, upright freezers, sump pumps and septic systems, making Choice Home Warranty a great option for comprehensive coverage. However, customer reviews warn that their vendors are slow to respond to service calls.

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America's 1st Choice Home Club

America's 1st Choice Home Club

CALL AFC HOME CLUB

(678) 236-0645 VISIT AMERICA'S 1ST CHOICE HOME CLUB

With tiered pricing options, AFC Home Club makes it easy to see what is and is not covered under its three plans. Choose one that fits your home’s needs and buy extra coverage to protect additional appliances and systems. There’s no deductible, only a $60 service fee. Plans include restaurant gift cards and a retail savings program for cash back at 5,000 retailers.

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Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.