Home Warranty Companies in Michigan
2026 State Guide
Our data lists 11 of the 15 companies we track as serving Michigan. AFC Home Club ranks first among them at 8.2 out of 10. Michigan has warmed by almost 3 degrees F since the beginning of the 20th century, with warm, humid summers and cold winters.
Companies Available
11
of 15 tracked
Top 3 Picks From
$37
per month, by plan
Primary Risk
Both
heat and cool, our reading
Regulator
Michigan Department of Insurance and Financial Services
No registration program found
Michigan State Snapshot
Top pick
AFC Home Club
Owner-occupied rate
72.9% (US 65%)
Median home value
$217,600
Primary HVAC risk
Both heating and cooling (our reading)
Companies listed
11 of 15 tracked
Regulatory body
Michigan Department of Insurance and Financial Services
72.9% of Michigan homes are owner-occupied, above the 65% national rate, and the median owner-occupied home is worth $217,600, 28% lower than the national median of $303,400.
Source: Census Bureau QuickFacts for Michigan. Census Bureau QuickFacts: housing units are the July 1, 2023 estimate; owner-occupied rate and median value are 2019-2023 American Community Survey 5-year estimates.
In Michigan's largest city, Detroit, 50.3% of homes are owner-occupied and the median owner-occupied home is worth $83,900.
Source: Census Bureau QuickFacts for Detroit, 2020-2024 American Community Survey 5-year estimates (the current QuickFacts release). The state figures above come from an earlier release, so we do not compare the two.
Get a Home Warranty Match
Not sure which company is right for your home? Answer a few quick questions and get a personalized home warranty match in minutes. This is a sponsored partner link, and we may earn a commission.
Climate and Coverage Context
Michigan's climate puts both heating and cooling under strain, in our reading
Michigan has warmed by almost 3 degrees F since the beginning of the 20th century, with warm, humid summers and cold winters. The Great Lakes make the state milder and wetter than other north-central states: shoreline areas are warmer in winter and cooler in summer than inland areas. Muskegon on Lake Michigan averages 3.4 hot days a year against 9.0 at inland Lansing. Parts of the Upper Peninsula get more than 180 inches of snow a year, and the eastern shore of Lake Michigan and the south shore of Lake Superior get much more snow than the rest of the state. Extreme precipitation events have become more frequent.
Both systems get real use here, so look for a plan that covers heating and cooling and compare its cap with your own replacement quote.
Source: NOAA NCEI State Climate Summary for Michigan (2022). Which system is under the most strain is our reading of those facts, not a figure from the summary.
Cap Gap Calculator and Company Comparison
Enter a replacement quote from a local HVAC contractor. Each row subtracts the company's highest HVAC cap from it. The starting $8,000 is an example, not a Michigan estimate. 11 of 15 tracked companies serve Michigan in our data; "Likely" and "Check" rows are not verified for Michigan.
| Company | Monthly | HVAC cap | You pay beyond the cap | BBB | Score | MI |
|---|---|---|---|---|---|---|
| Old Republic Home Protection | ~$45-$80/mo | $6,500/unit | $1,500 | A+ | 8.4 | Check |
| AFC Home Club | $44-$82/mo | No cap | $0 over a per-unit cap (check the aggregate limit) | B | 8.2 | Likely |
| Liberty Home Guard | $49-$79/mo | $2,000/unit | $6,000 | NR | 7.9 | Yes |
| First American Home Warranty | ~$37-$65/mo | Unconfirmed | Cap unconfirmed | B+ | 7.4 | Yes |
| Armadillo Home Warranty | from $39.99/mo | $3,000/unit | $5,000 | NR | 6.9 | Yes |
| HomeServe USA | $3.99-$55.99/mo | Unconfirmed | Cap unconfirmed | A+ | 6.9 | Likely |
| American Home Shield | $29.99-$89.99/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| 2-10 Home Buyers Warranty | ~$35-$70/mo | $5,000/unit | $3,000 | B | 6.5 | Yes |
| HSA Home Warranty | ~$41-$53/mo | Unconfirmed | Cap unconfirmed | B+ | 6.3 | Likely |
| ARW Home | $45.99-$67.99/mo | Unconfirmed | Cap unconfirmed | A | 5.9 | Likely |
| Home Warranty of America | from ~$48.33/mo | $5,000/unit | $3,000 | C/NR | 5.9 | Check |
| Choice Home Warranty | ~$49-$58/mo | $3,000 combined | $5,000 | B | 5.6 | Yes |
| Select Home Warranty | ~$46-$62/mo | Unconfirmed | Cap unconfirmed | B- | 5.6 | Check |
| ServicePlus Home Warranty | ~$41-$50/mo | Unconfirmed | Cap unconfirmed | B | 5.2 | Check |
| Cinch Home Services | ~$28-$62/mo | $1,500 combined | $6,500 | B+ | 5.1 | Yes |
The cap shown is the largest across a company's plans, so a lower plan may pay less. The service fee per claim is extra and is on each review. Caps marked unconfirmed could not be verified in our research; check the contract schedule.
Top 3 Picks for Michigan
Highest overall score among companies that serve Michigan, leaving out companies we recommend against. How scores work.
Not Available or Unverified in Michigan
Check availability: Old Republic Home Protection, Home Warranty of America, Select Home Warranty, ServicePlus Home Warranty
These companies serve only some states and we have not verified Michigan. They appear in the comparison table marked "Check". Ask the company before you rely on them.
How Michigan Regulates Home Warranties
Regulator
Michigan Department of Insurance and Financial Services (role not confirmed)
Legal framework
Service contracts are not insurance (MCL 500.125)
Michigan's 2014 Public Act 110 added section 125 to the Insurance Code, which says a service contract is not insurance or the business of insurance and is not subject to the Insurance Code. The section defines a service contract as a written contract, sold for stated consideration for a specific duration, that provides repair, replacement or maintenance of a consumer product after an operational or structural failure, among other items. We did not find a Michigan licensing or registration program for home warranty companies. Other state laws, such as the Consumer Protection Act, still apply.
Type of rules: Not insurance, no registration program found. Home service contracts are outside the insurance code and we found no registration program, so consumer protection law is the main recourse.
Partly confirmed. The summary says which points we could not confirm. Researched October 2026; laws and agency pages change, so confirm with the regulator before you rely on a detail.
Sources for this section
- Find the current complaint form or phone line in the NAIC directory of state insurance departments.
- Compare all 50 states in the state home warranty laws table and read your refund and cancellation rights.
- If a claim is denied, follow how to fight a denial.
Consumer Tips for Michigan Homeowners
Expect consumer protection law to be your main protection
We found no registration program in Michigan, so read the contract closely, keep every claim communication in writing and know that complaints may go to the Attorney General's consumer protection office.
Do the cap math for your own system
Get a replacement quote from a local HVAC contractor, then enter it in the calculator above. Our top-ranked option here, AFC Home Club, has an HVAC cap of No cap; the difference between your quote and each company's cap is your out-of-pocket cost if the system fails completely. Details
Confirm coverage for your address
4 companies in our data serve only some states and are marked "check availability" for Michigan. Confirm with the company that your address is covered before you spend time on a quote.
Filing a Complaint in Michigan
If a company denies a claim you think is valid or stops responding, put your complaint to the company in writing first. Michigan's state office below takes consumer complaints about businesses in general, so it is a place to file a home warranty dispute, but it is not a home warranty regulator by that fact alone. Who regulates the contract is covered in the regulation section above.
Michigan Attorney General: consumer protection
Complaints and attachments become public records and may be forwarded to the business. The Attorney General cannot act as your private attorney, and the office suggests small claims court or a private lawyer if the business will not respond.
This paraphrases the office's own page as found in October 2026. Offices change their forms and procedures, so confirm on the page before you file.
Frequently Asked Questions - Michigan
Which home warranty companies serve Michigan?
What is the best home warranty company in Michigan?
Which home warranty plan has the highest HVAC coverage in Michigan?
How much does a home warranty cost in Michigan?
How does Michigan's climate affect which plan to buy?
Where do I file a home warranty complaint in Michigan?
How are home warranties regulated in Michigan?
Neighboring States
Compare All Michigan-Available Companies
See side-by-side scores, HVAC caps, BBB ratings and verdicts for every company that serves Michigan, so you do not spend time on quotes from companies that do not operate here.
Regulation researched October 2026; housing figures from the Census Bureau and climate facts from NOAA NCEI as cited above. Company availability, pricing and coverage terms change. Verify current details directly with each company before purchasing. Reference: NAIC state insurance departments.