Home Warranty

7 best home warranty companies in Garden City, 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 Garden City. 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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Garden City, MI

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Consider a home warranty to financially protect your home's essential items. These policies cover the replacement or repair of common household systems and appliances, like air conditioners and refrigerators, for a monthly fee.

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 Garden City home contains aging furnaces, dishwashers or the like, you'll likely encounter an unexpected breakdown. These leading home warranty firms offer robust coverage at fair prices.

The relentlessly snowy Garden City winters can affect your roof and HVAC system's health, so we recommend a home warranty to protect you from unexpected repair bills. Each of the companies below has solid coverage for appliance and systems coverage.

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 Garden City

Here's our list of the best home warranty companies in Garden City:

2-10 Home Buyers Warranty

4.5/5

EXPLORE PLANS

Average monthly costs: $22.00 - $80.00

2-10 has three coverage plans with flexible service call fees and perks like appliance color matching. The company also has an "Even If" guarantee that refunds your service call fees 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 has a fully customizable coverage plan you can design based on your coverage needs. It also includes a lengthy 90-day workmanship guarantee.

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 pairs all plans with roof-leak repair coverage. It also charges low plan premiums.

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 Garden City

The typical monthly cost of a home warranty in Garden City is $41 to $70, on par with the national average. If you're paying on an annual basis, expect to spend anywhere from $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 provide coverage for a variety of major systems and home appliances. We'll present a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Washing machines
Dishwashers
Cooktops
Refrigerators
Built-in microwaves
Clothes dryers

The first category of items home warranties cover is kitchen items and outdoor 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 differ between different plans. However, most include the following:

HVAC
Electrical
Water heater
Plumbing
Central vacuum

What items are typically not covered under a home warranty?

Each home warranty includes specific exclusions, or things it will not cover. Your contract will clearly specify each exclusion, so read carefully before you sign. Generally, home warranties don't cover item breakdowns caused by damage outside normal wear and tear. For example, if your air conditioner stops working due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance.

Preexisting conditions
Rust or corrosion damage
Improper system or appliance installation
Cosmetic damage
Hazardous waste
Acts of nature

Questions to ask home warranty providers in Garden City

Ask each home warranty provider these questions before you purchase a plan.

What items will my policy cover?

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. Also, many home warranty companies offer optional coverage, such as for wells or swimming pools. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Standard home warranty contracts are valid for 12 months from the coverage effective date, which is usually 30 days after the initial sign-up date. Companies include this 30-day waiting period to prevent customers from filing claims for preexisting conditions. You can get coverage beyond 12 months with a multiyear plan.

What contractors do you work with?

When researching a home warranty company, ask which service contractors it partners with in your area. Many home warranty providers allow you to choose your own local contractor if they don’t have an in-network provider near you. The contractor must be licensed and registered in Garden City to get repair approval from the home warranty provider. You can verify a contractor's license by searching the Michigan Licensing and Regulatory Affairs database.

How does your claims approval process work?

Knowing more about the home warranty company's claims process can improve your chances of getting an approval. Most companies accept claims online or via a 24/7 phone line. Once you file, the company will aim to reply within 24 to 48 hours. Filing outside normal business hours may lead to processing delays. 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 include 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. Sellers can also purchase special home warranty plans that are easily transferred to prospective buyers. This is a straightforward way to make your home more attractive to your home in a competitive real estate market and offer the buyer additional peace of mind.

Home warranty contract fine print

To complete your research, we recommend reading the home warranty provider’s detailed terms and sample contract before purchasing a plan. Knowing the company’s terms and conditions can help you decide if it’s the right one for your needs. It'll also help you be a better advocate for yourself if you need to file a claim. Below are several terms you should look for while reviewing the contract:

Workmanship guarantee: Home warranties usually include workmanship guarantees of at least 30 days. If an in-network technician attempted to repair your appliance or system, and you still have issues with it, the company will not charge an additional service call fee for new repairs.
Cancellation: Companies typically outline how they process cancellations in their fine print. Many providers will refund the entire plan premium if you cancel within the first 30 days of sign-up.
Exclusions: Home warranties have both general exclusions and component-specific ones. Even if an appliance or system is generally covered, your warranty might not cover some specific parts if they suffer damage. Read your sample contract carefully to understand the exclusions.
Service call fee: Each time you file a claim, the warranty company or repair provider will assess a service call fee between $75 and $125.
Coverage limit: Each home warranty has a coverage limit that establishes how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.

Facts about Garden City

Average High in July

83°F

Garden City

83°F

National Average

Average Low in January

18°F

Garden City

17°F

National Average

Average Daily Sunlight

60%

Garden City

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 Garden City, Michigan

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