Home warranty plans for Michigan homeowners. Covered systems and appliances get repaired or replaced under a service contract — $75 per service call, up to $10,000 a year. This is a service contract, not insurance.
See plans and pricing →We live here. We get it.
Furnaces run for months without a break, water heaters work harder in cold ground, and supply lines sit in unheated crawlspaces. A home warranty covers the repair or replacement of covered systems and appliances when they fail from normal use, subject to the terms of the service contract.
Get my price →A failed compressor or a cracked heat exchanger is a four-figure repair, on the coldest or hottest day of the year, at whatever the contractor quotes that week.
Covers manufacturing defects on newer equipment for a limited window. Once it runs out, and on everything you didn't buy new, you're on your own.
Covered systems and appliances repaired or replaced under a service contract. You pay $75 per service call, up to a $10,000 annual limit, subject to contract terms.
Led by Christopher Kern
I spent 20 years in automotive and finance watching people get sold products they didn't fully understand by people who were paid to sell them. I started Clutch Risk because I thought someone should actually explain this stuff — clearly, without jargon, and without pretending every policy is right for every person. Every quote request that comes through gets my personal attention. Not a call center. Not an algorithm. Me.
Producer NPN: 22213905 · Michigan System ID: 1468958
Clutch Risk / Clutch Administration LLC Agency NPN: 22231445 · Michigan System ID: 0161332
Learn more about Clutch Risk →They solve different problems, and you likely want both. Homeowners insurance responds to sudden losses like fire, wind, and theft. A home warranty is a service contract that helps with repair or replacement when a covered system or appliance breaks down from normal use. We sell the home warranty and explain the difference plainly.
Covers sudden, accidental loss to the structure and your belongings — fire, wind, theft, certain water damage — plus liability. It does not pay to fix a furnace that simply wore out.
Compare the two →Helps with repair or replacement costs when a covered home system or appliance breaks down from normal use. You pay $75 per service call, up to a $10,000 annual limit, subject to the contract.
See what's covered →A home warranty is a service contract, not a homeowners insurance policy. Terms, exclusions, service fees, limits, and eligibility vary by plan; pre-existing conditions are not covered. Plans are obligated and administered by third parties, disclosed in full on the plan page.
Two plans, a $75 service call, and a $10,000 annual limit. Buy online yourself, or call and we'll walk you through it.
Get covered →Answer a few questions about your home and we'll show you which plan covers what you actually have, and which add-ons are worth it.
Michigan protection,
explained clearly.