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Best Home Warranty Companies in Oklahoma for 2023
By James F. Trumm MONEY RESEARCH COLLECTIVE
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- Online Business Bureau Accredited with A+ Rating
- Covers Major Home Systems, HVAC & Appliances
- Free Roof Coverage, No Inspection Needed
24/7 support whenever your appliances fail
- Large network of independent prescreened contractors and qualified technicians
- In business for over 30 years
- Good coverage on home systems
- Does not cover pre-existing issues
- They will replace items that fail if they can't be fixed regardless of age, make or model
Get $50 OFF Any Plan
- Industry leader since 1971
- More than $2 Billion in claims paid in last 5 years
- More than 2 Million customers served
- No inspection or maintenance records required
- 30-day workmanship guarantee
A home warranty acts as an insurance policy for the mechanical systems and appliances within a house, safeguarding against costly and inconvenient breakdowns. With a home warranty, homeowners can have peace of mind knowing that they will be covered in the event of a malfunction or failure of important systems and appliances, such as HVAC units, plumbing, and electrical systems, as well as appliances like refrigerators and ovens. This can save homeowners thousands of dollars in repair and replacement costs, making it an essential consideration for anyone looking to purchase or own a home.
We’ve reviewed home warranty companies across America and we’re pleased to provide a specific guide for Oklahoma homeowners.
Our Top Picks for Best Home Warranty Companies in Oklahoma
Best Plan Overall: American Home Shield
Best for Customization: Choice Home Warranty
Best for Mini-Split Ductless HVAC Systems: First American Home Warranty
Best for Choice of Systems Plans: Liberty Guard
Best for Long Workmanship Guarantee: Cinch Home Services
Best for Low Prices: Select Home Warranty
Table of Contents
Best Home Warranties in Oklahoma Reviews
Guide to the Best Home Warranties in Oklahoma
The Best Home Warranties in Oklahoma FAQs
How We Chose the Best Home Warranties in Oklahoma
Summary of Our Guide to the Best Home Warranties in Oklahoma
Best Home Warranty Company Reviews
When searching for a home warranty company in Oklahoma, certain options stand out as particularly noteworthy. The following are six of the best, each with its own standout feature:
Best Plan Overall: American Home Shield
- Choose your own service fee (deductible)
- Broad coverage includes 23 systems and appliances
- Free hauling service for replacing systems/appliances
- Covers items that may not have been properly maintained
- Provides sample contract on its website
- Heating and air conditioning coverage capped at $1,500
- Short 30-day workmanship guarantee
American Home Shield has been in business for 50 years and is one of the most popular home warranty companies in the US. The company offers three different plans to allow homeowners to find a solution that suits their home and budget.
One of the strengths of American Home Shield (AHS) is their large network of service providers. They have a wide range of technicians and contractors that can assist with repairs and replacements. This can be a big advantage for Oklahoma residents, as it means that they can receive service more quickly, and often at more convenient times. American Home Shield also has a reputation for excellent customer service, with a dedicated team of representatives who are always ready to help.
On the downside, American Home Shield’s service fees can be higher than some of their competitors. Customers should compare premiums and service call fees to determine whether any home warranty plan is a good value.
American Home Shield offers the following prices for homes in Oklahoma:
- ShieldSilver: $29.99
- ShieldGold: $49.99
- Shield Platinum: $79.99
Best for Cusotmization: Choice Home Warranty
- First month free when you select an annual plan
- Two combination systems-and-appliances plans to choose from
- Publishes an informative homeowner's blog
- Refrigerators not covered in its lowest-cost plan
- Only covers properly maintained systems and appliances
- No sample contract provided on website
Choice Home Warranty is one of the larger home warranty providers in Oklahoma. They offer two customizable plans that can be tailored to fit the specific needs of a wide range of properties. Choice Home Warranty’s plans are a good value, providing broad coverage at moderate prices.
Choice Home Warranty is one of several companies that do not require a home inspection before a policy is issued. However, it’s important to note that the company reserves the right to deny coverage for any known or unknown pre-existing condition. This is an important consideration for homeowners who don’t quite know what they’re getting into when they buy an existing home.
Choice Home Warranty offers the following prices for homes in Oklahoma:
- Basic Plan: $46.83
- Total Plan: $54.75
Best for Mini-Split Ductless HVAC Systems: First American Home Warranty
- Covers ductless mini-split HVAC systems
- Customizable service call fees from $75 to $125
- Sample contract provided
- Starter Plan covers less than other opening price point plans
- Combo plans only: no systems-only or appliances-only options.
Founded in 1984, First American Home Warranty is a well-established home warranty company for Oklahoma residents. The company offers customizable service call fees ranging from $75 to $125, allowing customers to find a plan that suits their budgets.
Like most opening price point plans, First American Home Warranty’s Starter Plan is somewhat limited in its coverage and doesn’t include some common appliances like washers and dryers.
One interesting feature we noted is that with the company’s Essentials or Premium plans, you’ll get coverage for mini-split ductless HVAC systems. These systems are becoming more popular for their energy efficiency and lower operating costs. So if you have one in your home, First American Home Warranty may be a great choice for you.
First American Home Warranty offers the following prices for homes in Oklahoma. Prices were determined by selecting a $125 deductible for each plan:
- Starter Plan: $52.00
- Essentials Plan: $62.00
- Premium Plan: $77.00
Best for Choice of Systems Plans: Liberty Home Guard
- Three highly-customizable plans
- Choose coverage by system
- Can't choose your own deductible
Liberty Home Guard provides three customizable plans to meet diverse customer needs: Systems Guard, Appliance Guard and Total Home Guard. But the company differentiates itself by allowing customers to choose coverage for specific systems in your home.
With an extensive list of optional add-ons, it stands out from competitors. Systems Guard covers important systems such as HVAC, plumbing and electrical. Appliance Guard protects common home appliances, including washers, dryers, microwaves and more. The Total Home Guard plan combines the benefits of both.
Although Liberty Home Guard has moderate premiums, its $125 service call fee is not flexible and is at the high end of the industry-wide range.
Liberty Home Guard offers the following prices for Oklahoma homes:
- Appliance Guard: $49.99
- Systems Guard: $54.99
- Total Home Guard: $59.99
Best for Long Workmanship Guarantee: Cinch Home Services
- Exceptional 180-day workmanship guarantee
- Three competitively priced plans to choose from
- Choice of service fees
- Service fees are on the high side
Cinch Home Services presents homeowners with three options – a plan covering only systems, a plan covering only appliances, and a combination plan with pricing that’s very competitive.
The feature that stands out of Cinch’s home warranty is its exceptionally long workmanship guarantee: 180 days. Many home warranty companies only provide a 30-day guarantee, which may result in a customer paying multiple service fees for the same repair. That being said, we note that Cinch’s service fees are rather high, starting at $100. But clients have the flexibility to adjust their deductible.
The company provides limited options for additional coverage, such as pools, spas, septic tanks, well pumps and code violation repairs, However, the company offers another unique feature: when a homeowner needs to make a claim through their homeowner’s insurance policy, Cinch offers to reimburse up to $500 of the insurance deductible for related home system damage.
Cinch Home Services offers the following prices for Oklahoma homes. Prices quoted reflect a $150 service call fee:
- Appliances Plan: $34.99
- Built-in Systems Plan: $39.99
- Complete Home Plan: $49.99
Best for Low Prices: Select Home Warranty
- Choose among systems, appliances or combo plan
- Low-cost combo plan
- Save money with multiple-year plans
- Fewer add-on options
- Coverage limits for appliances, electrical systems and plumbing systems is just $500
- Doesn't provide service call fee information
- More exclusions than other plans
Select Home Warranty offers homeowners 3 plan options: appliance, systems, or a combo of both. Its Platinum Care plan is affordable compared to other combo plans, and you can save on Select Home Warranty premiums by opting for a multi-year contract.
However, Select Home Warranty plans may not fully cover certain systems and appliances should they need replacement. For example, the company limits appliance replacement coverage to $500. Nowadays, many kitchen appliances cost far more.
The company provides a sample contract showing coverage details and exclusions, but does not disclose its service call fee or length of workmanship guarantee, which are crucial factors to consider when evaluating a home warranty plan’s value.
Select Home Warranty offers the following prices for Oklahoma homes:
- Bronze Plan: $44.42
- Gold Plan: $44.42
- Platinum Plan: $47.75
Guide to the Best Home Warranties in Oklahoma
- Main things to know before purchasing a home warranty in Oklahoma
- How does a home warranty work?
- What is the difference between home warranty and home insurance?
- Who regulates home warranty companies in Oklahoma?
- What does a home warranty company in Oklahoma cover?
- How much does a home warranty cost in Oklahoma?
- Are home warranties worth it?
- What voids a home warranty?
- Should condominium owners have a home warranty?
Main things to know before purchasing a home warranty in Oklahoma
A home warranty is a type of service contract that covers the repair or replacement of certain appliances and systems in a home, such as the HVAC system, plumbing, and appliances like the refrigerator and dishwasher. It is a separate coverage from home insurance, which typically covers damages to the structure of the home and personal possessions.
Home warranties can provide peace of mind for homeowners by taking care of unexpected repairs and replacements, but it is important to understand what is and isn’t covered under a home warranty, as well as the cost and potential limitations.
How does a home warranty work?
Home warranties are distinct from homeowner’s insurance in what they cover, but they operate in many of the same ways. Homeowners pay a monthly or annual premium. When something goes wrong with a covered system or appliance, homeowners must file a claim. The home warranty company will send a local technician to fix the system or appliance in question — usually within 48 hours. For each claim a homeowner files, there will be some out-of-pocket expenses: namely a service call fee, which is akin to a deductible.
What is the difference between home warranty and home insurance?
The main difference between a home warranty coverage and home insurance coverage is the type of home event they cover. Here’s a quick way to look at home warranties versus homeowner’s insurance:
- Home insurance typically covers damages to the structure of the home and personal possessions, as well as liability for accidents that occur on the property. This includes damage caused by natural disasters such as fire, wind and hail, as well as theft and vandalism.
- A home warranty, on the other hand, is a type of service contract that covers the repair or replacement of certain appliances and systems in a home such as the HVAC system, plumbing, and appliances like the refrigerator and dishwasher. It does not cover the physical structure of the house or personal possessions. It is a separate coverage that homeowners can purchase to protect their home appliances and systems.
In summary, home insurance covers damages to the house and personal possessions and home warranty covers repairs and replacements of appliances and systems in the house.
Who regulates home warranty companies in Oklahoma?
Until recently, home warranty companies were not regulated in the state of Oklahoma. But consumers can expect more protection and fewer surprises now that they are regulated by the Oklahoma Insurance Department.
What does a home warranty in Oklahoma cover?
A home warranty is a service contract that provides coverage for the repair or replacement of certain appliances and major systems in a home. The specific coverage of a home warranty can vary depending on the provider and the plan purchased. Most companies offer comprehensive plans that cover major systems and appliances and some allow you to purchase coverage for systems and appliances separately. Generally, a comprehensive home warranty will cover the following items:
- HVAC systems: This includes the heating, ventilation, and air conditioners in the home. Ductwork is often included for HVAC systems. Most home warranty companies do not cover HVAC system tune-ups, but we came across a few that do.
- Water heaters: Typically covers water leaks, temperature issues, and replacements, but may not cover gas leaks.
- Plumbing: This includes coverage for leaks, plumbing stoppages, and other issues with the home’s plumbing system.
- Electrical systems: This includes coverage for issues with the home’s electrical wiring and circuits.
- Major appliances: This includes coverage for appliances such as refrigerators, ovens, cooktops, dishwashers, ceiling and exhaust fans, and more. Many plans also cover smaller appliances like built-in microwaves ,garbage disposals, trash compactors, and water dispensers. But some plans exclude clothes washers and clothes dryers from their least expensive plans or offer these as add-on coverages.
- Optional coverage: These vary by company but may include pools and spas, well pumps, sump pumps, septic systems, pest control, limited roof leak coverage, stand-alone freezers, and ice makers.
It’s crucial for homeowners to carefully review the coverage of a home warranty before purchasing to ensure it meets their needs. They should also investigate policy exclusions, as some companies will only cover repairs that are necessary due to normal wear and tear and will deny claims for appliances and systems that have not been properly maintained.
How much does a home warranty cost in Oklahoma?
The cost of a home warranty can vary depending on the provider and the plan purchased. Typically, home warranties cost between $300 and $600 per year, with additional fees for service calls. It is important to compare prices and coverage from multiple providers to find the best deal.
Are home warranties worth it?
Whether a home warranty is worth it or not will depend on the specific circumstances of the homeowner. For those who are concerned about the cost of unexpected repairs and replacements, a home warranty can provide peace of mind. However, it is important to consider the cost of the warranty in relation to the likelihood of needing repairs and replacements.
What voids a home warranty?
It is important to understand that certain actions or circumstances can void a home warranty, including:
- Improper maintenance: A home warranty requires that the appliances and systems covered under the contract are properly maintained. This means that regular cleaning, inspections and maintenance should be performed as required by the manufacturer. If the appliances and systems are not properly maintained, the warranty may be voided.
- Pre-existing conditions: A home warranty will not cover damages or issues that existed before the warranty was purchased. It is important to disclose any pre-existing conditions to the warranty provider before purchasing the contract.
- Improper installation: If the appliances and systems covered under the warranty are not installed according to the manufacturer’s instructions, the warranty may be voided.
- Misuse: If the appliances and systems are misused, the warranty may be voided. For example, if a dishwasher is used to wash items that should not be washed in it, the warranty may be voided.
It is important to carefully review the terms and conditions of a home warranty to understand what may void the coverage.
Should condominium owners have a home warranty?
Condominium ownership is different from single-family homeownership in several ways. One way is how financial responsibility for repairs and maintenance is apportioned. The responsibility is shared between the condominium association and the individual unit owner. Therefore, whether or not a condominium owner should have a home warranty is a decision that should be based on an understanding of what is covered under their condominium association’s maintenance policy.
Generally, a condominium association’s insurance policy covers the exterior of the building and common areas, such as the lobby, elevators and stairwells, but not the individual units. Therefore, the unit owner is responsible for insuring the interior of their unit and its contents. In this case, a home warranty can provide an additional layer of protection for appliances and systems within the unit that are not covered by the condominium association’s insurance.
Best Home Warranties in Oklahoma FAQs
Is a home warranty required in Oklahoma?
How to cancel a home warranty in Oklahoma
Who pays for the home warranty, the buyer or the seller?
How long does a home warranty last in Oklahoma?
What is the service fee for a home warranty in Oklahoma?
How We Chose the Best Home Warranties in Oklahoma
We understand the importance of finding the right home warranty for your needs. That’s why we conducted extensive research and compared Oklahoma home warranty prices and coverage from multiple providers to bring you the best home warranty options available. Our team of experts also carefully reviewed the terms and conditions of each warranty to ensure that you have all the information you need to make an informed decision.
We considered the range of covered items, coverage limits, premiums and service call fees when making our recommendations. We favored companies that offered homeowners flexibility when choosing a plan and transparency around fees, coverage limits and exclusions. All of the companies we recommend also make it easy to get free quotes and compare coverage across plans. Prices quoted are for plans in a large Oklahoma city such as Tulsa or Oklahoma City.
Summary of the Best Home Warranties in Oklahoma
Home warranty protection can be a great — or not so great — choice for homeowners. The key to choosing the best home warranty for your home is research. And following research, some very specific analysis. Price does not equal value in the home warranty industry. There are multiple factors you need to consider before deciding whether a plan is a good deal. Fortunately, the home warranty industry offers a great deal of flexibility when it comes to choosing the right plan for your property. Our guide is a good starting point for your research, but we encourage you to compare plans and prices on your own. It’s also a smart idea to check out a home warranty’s reputation among consumers, as represented by home warranty reviews and such measures as their BBB ratings and Trustpilot scores.
