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.
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:
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.
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.
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.
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.
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.
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.
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.
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.