Home Warranty

7 best home warranty companies in Dearborn Heights, Michigan

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 7 home warranty companies that operate within 50 miles of Dearborn Heights. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Dearborn Heights, MI

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A home warranty offers financial protection if a major home system or appliance suddenly breaks down. For a monthly fee, the warranty company covers repair and replacement costs for items such as HVAC units and refrigerators when they break down from normal wear.

Many essential home components won't last over 10–15 years before needing service, according to the International Association of Certified Home Inspectors. HVAC systems typically operate for seven to 25 years. Water heaters tend to last just six to 12 years on average, and most major appliances go kaput in under 20 years.

If your Dearborn Heights home contains aging dishwashers, furnaces or other appliances, you'll probably encounter an untimely failure. These top-rated home warranty firms provide robust coverage at fair prices.

Dearborn Heights gets its fair share of winter storms, which can put strain on both your roof and heating system. Breakdowns could lead to hefty bills, but with a home warranty, you'll have a strong financial shield and access to a few additional perks.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Dearborn Heights

Here's our list of the best home warranty companies in Dearborn Heights:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 Home Buyers Warranty pairs its three coverage plans with flexible service call fees. It also offers coverage perks, including an appliance color-match program and an "Even If" service fee guarantee. With this guarantee, 2-10 will refund your service call fee if your covered item can’t be fixed or replaced.

What we like

Offers a $25,000 annual coverage cap
Pairs plans with a plan-length workmanship guarantee
Offers unique perks such as color matching appliance replacements

What we don't like

Charges a monthly processing fee if you choose monthly premiums
Excludes washer and dryer coverage from most plans

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite Home Warranty offers fully customizable plans with 90-day workmanship guarantees. Customers can build a unique coverage solution that meets their needs.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

An industry veteran, American Home Shield has been in business since 1971. It provides three coverage plans and six optional add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American is known for its comprehensive appliance coverage caps. With an Essential or Premium plan that has the First American Advantage upgrade, you could also get coverage for miscellaneous components, including appliance knobs and dials.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Dearborn Heights

The typical monthly cost of a home warranty in Dearborn Heights ranges from $41 to $70, on par with the national average. If you're paying on an annual basis, expect to spend roughly $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

Home warranties cover various home appliances and major systems, but they're not a substitute for homeowners insurance. Below, we'll summarize what's generally included in home warranty coverage and what isn't.

What are the typical items covered under a home warranty?

Washing machines
Cooktops
Dishwashers
Refrigerators
Built-in microwaves
Clothes dryers

The first category of items home warranties cover is kitchen and living appliances. This category includes the following: Major systems form the second category of covered items. The specific definition of what a "major system" is will vary between different plans. However, most include the following:

Water heater
Electrical
Central vacuum
Plumbing
HVAC

What items are typically not covered under a home warranty?

Home warranties, similar to other service contracts, don't cover everything. Generally, home warranties won't cover item breakdowns caused by damage outside of normal wear and tear. For example, if your air conditioner malfunctions due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance. Home warranties also don't cover rust or corrosion damage, preexisting conditions, acts of nature, hazardous waste, improper system or appliance installation and cosmetic damage.

Questions to ask home warranty providers in Dearborn Heights

Before you purchase a home warranty plan, discuss these crucial questions with each provider you're considering.

What items are covered by my policy?

First, figure out what items need coverage before requesting a home warranty quote. Some providers separate appliance and system coverage, so verify that the company has plans to meet your particular needs. Most home warranty companies also sell optional add-ons for things like well pumps and roof leaks. Evaluate what add-ons you might need and how much they'll add to the home warranty cost.

How long is my home warranty good for?

Generally, a home warranty plan has a duration of 12 months from the coverage effective date, which is 30 days after the initial sign-up date. Home warranty companies put in a 30-day waiting period to prevent customers from filing claims for preexisting conditions. Purchasing a multiyear plan extends protection beyond the standard 12-month term.

What contractors do you work with?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If your area has no in-network contractors nearby, the warranty company may let you choose your own. You can verify a contractor's license by searching the Michigan Licensing and Regulatory Affairs database.

How does your claims approval process work?

Each company's claims process is slightly different from the others. If a covered issue strikes, you could file a claim online or over the phone. Most companies try to address claims within 24 to 48 hours, though there might be processing delays when filing outside normal working hours. If the home warranty company grants initial approval to your claim, they'll connect you to a service contractor from their network. The contractor will arrange a meeting with you to inspect and diagnose the problem. Once they get final approval from the warranty company, they'll do the repair work and manage billing on your behalf.

Can I transfer my policy to the next owner of my home?

If you need to move, most home warranty contracts feature a clause allowing you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others levy a transfer fee. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are readily transferable to buyers.

Home warranty contract fine print

Before purchasing a home warranty, review the company's sample contracts and policies. Understanding a provider's terms and conditions can help you determine if they're a good fit for you. It'll also help you advocate for yourself if you need to file a claim. Look for these key stipulations and clauses:

Exclusions: Even if a device is covered under your home warranty, it may still have applicable exclusions for certain components. A sample contract should clearly outline these exclusions.
Service call fee: Similar to copays at the doctor or pharmacy, you'll have to pay a service call fee each time you file a home warranty claim. Most companies charge from $75 to $125 per claim.
Cancellation: Each home warranty company has a cancellation policy in its fine print. Many companies will refund your annual premium in full if you cancel within the first 30 days of enrollment.
Workmanship guarantee: Most workmanship guarantees last for 30 days from a warranty repair, but some companies offer longer guarantee periods. If you have more issues with an appliance that an in-network technician just attempted to fix for you, the home warranty company will not assess an extra service call fee for a new claim.
Coverage limit: Your home warranty's coverage limit is the limit on how much the company can pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.

Facts about Dearborn Heights

Average High in July

83°F

Dearborn Heights

83°F

National Average

Average Low in January

18°F

Dearborn Heights

17°F

National Average

Average Daily Sunlight

60%

Dearborn Heights

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

7 best home warranty companies in Dearborn Heights, Michigan

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