State guide · MINo paid placement
Home warranty
in Michigan.
Long, severe winters placing sustained strain on furnaces and boilers drives the local claim mix. Service contracts in Michigan are regulated by the Department of Insurance and Financial Services.
2 cities coveredRegulated as a service contract3 providers active
Photo · R Architecture / Unsplash
Why Michigan is different
Service contracts in Michigan are regulated by the Department of Insurance and Financial Services. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Cancellation and refund terms must be disclosed.
Source: Michigan Department of Insurance and Financial Services (State regulator, accessed 2026-05)
Coverage-priority context · MI
What breaks in Michigan.
Issue 01
Long, severe winters placing sustained strain on furnaces and boilers
Issue 02
Frozen-pipe risk during extended deep-cold stretches
Issue 03
Older housing stock around Detroit with aging HVAC and plumbing
§ 02Best providers in Michigan
01
AHS
American Home Shield
Homeowners who want broad systems coverage with the flexibility to lower premiums by accepting a higher service fee.
Score
4.1/5
From
$30/mo
BBB
B
02
CHW
Choice Home Warranty
Budget-focused homeowners who want predictable low service fees and straightforward plan choices.
Score
3.7/5
From
$46/mo
BBB
B
03
SHW
Select Home Warranty
Price-first buyers who want the lowest monthly cost and value bundled roof-leak coverage.
Score
3.4/5
From
$44/mo
BBB
B-
§ 03By city
City 01
Detroit
City 02
Grand Rapids
§ 04Common questions for Michigan
Are home warranties regulated in Michigan?
Service contracts in Michigan are regulated by the Department of Insurance and Financial Services. Providers must be registered; a service contract is not insurance and is not backed by a state guaranty fund. Cancellation and refund terms must be disclosed.
What is the typical waiting period?
Most plans impose a 30-day waiting period from the contract effective date. A few waive it for a real-estate transaction or when you transfer an existing policy, so a failure that starts before coverage begins is treated as pre-existing and excluded.
Can I buy a plan after something has already broken?
You can buy one, but you will be paying for future protection. An active failure is almost always deemed pre-existing and excluded, so the new contract will not cover the repair you are facing right now.