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Best Home Warranty Companies In oklahoma 2024

Oklahoma’s unpredictable weather can wreak havoc on your home’s appliances and systems.  Unexpected repairs can be a financial blow.  This guide explores the best home warranty companies in Oklahoma, helping you find a plan that protects your essential systems and keeps your wallet happy.  We’ll compare coverage options, customer service ratings, and value to ensure you make an informed decision.

Our Picks: 5 Best Home Warranty Companies For oklahoma Residents

After carefully evaluating multiple providers, we've identified five top home warranty companies in Oklahoma. These companies provide reliable coverage, ensuring homeowners' peace of mind and the smooth functioning of their homes throughout the year.

Best For Separate Coverage Options
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Best For Affordable Coverage
3.8 | threehalf_star Excellent
$150 off + Free roof coverage + 2 months free

Monthly Cost

$44 - $47

Service Fee

$60 - $75

Response Time

12 - 48 hours

Best For Comprehensive Plans
3.7 | threehalf_star Excellent
1st month free + Free roof coverage

Monthly Cost

$46 - $55

Service Fee

$75 - $125

Response Time

Up to 48 hours

Best For Customer Services
3.3 | threehalf_star Good
$200 Off + 2 Months Free*

Monthly Cost

$43 - $79

Service Fee

$75

Response Time

48 hours

Is Home Warranty Plans Beneficial For Oklahoma Homeowners?

In this section, we'll review the most common reasons homeowners must consider a home warranty in Oklahoma.

  • Oklahoma's distinctive climate creates particular problems for home heating and cooling. The hot, dry summers, coupled with the cold, icy winters with the possibility of wet and windy weather, put a lot of strain on air conditioners, water heaters, and other major appliances.
  • Oklahoma's spring storms can be fierce. Unfortunately, hail and powerful winds are also very common and can cause serious roof damage.
  • According to a recent survey, the tax rates in Tulsa are higher than average, and household incomes are below average. Adding home maintenance costs to these expenses can break most Tulsans’ banks. So, they can try exploring home warranty plans.
  • Norman's summers are sweltering and humid. This temperature could stress major appliances in your house, like air conditioners and refrigerators. 
  • Located on the Great Plains, Lawton is a city in southwest Oklahoma. Here, winters are brutally cold. Hence, a home warranty is worthy of consideration in places where crucial home items are at risk of wear and tear.
  • Overall, Oklahoma's weather can change drastically, putting your systems and appliances at risk of speedy wear and tear. Therefore, purchasing a home warranty is compelling to maintain the home's systems and appliances' efficiency and prevent costly repairs.

How Much Does An Oklahoma Home Warranty Cost?

Here’s how much you can pay for an Oklahoma Home Warranty.

Average Annual Cost

$300 - $700

Average Monthly Cost

$29 - $89

Average Service Fee (Deductible)

$60 - $125

Factors Influencing The Cost Of The Home Warranty

  • Coverage options: The level of coverage and the types of systems and appliances included in your home warranty plan can affect the overall cost. Plans offering more extensive coverage, including additional items like pool equipment or specialty appliances, will likely have higher premiums.
  • Condition of home items: The age and condition of your home's appliances and systems can significantly impact the cost of a home warranty in Oklahoma. Older homes with outdated or worn-out appliances may require more extensive coverage, leading to higher premiums.
  • Service fees or deductibles: The deductibles associated with a home warranty plan can influence its overall cost in Oklahoma.

Home Warranty Coverage In Oklahoma

Here’s what all you must know about home warranty coverage available in Oklahoma.

General Coverage Of Oklahoma Home Warranty

  • Basic Coverage A standard home warranty plan in Oklahoma typically covers essential systems and appliances, providing peace of mind to homeowners. This often includes: HVAC (Heating, Ventilation, and Air Conditioning) systems, Electrical systems, Plumbing systems, Kitchen appliances (e.g., refrigerator, oven, dishwasher), and Water heater.
  • Optional Add-ons Oklahoma homeowners can customize their home warranty plans by adding additional coverage for specific items. Common optional add-ons may include a pool and spa, well pump, septic system, and extra appliances.

Common Exclusions

While home warranties offer valuable coverage, it’s essential to be aware of general exclusions that may apply. Some common exclusions from coverage in Oklahoma include:

  • Pre-existing conditions or known issues
  • Improper installation, maintenance, or misuse of covered items
  • Cosmetic damage or non-functional components
  • Damage caused by natural disasters, such as floods or earthquakes

Here Are Some Additional Points To Consider

  • Cancellation Policy Familiarize yourself with the home warranty provider’s cancellation policy. Ensure you can cancel or modify your coverage if needed without significant penalties.
  • Contractor Network Check if the home warranty provider has a network of licensed and reputable contractors in Oklahoma. Access to qualified professionals can expedite the repair process and ensure quality service.
  • Coverage Limits Review the coverage limits associated with your Oklahoma home warranty coverage. Make sure the plan offers enough coverage, especially for the items you need coverage for.

Who regulates Home Warranty Companies In Oklahoma?

  • Oklahoma Insurance Department (OID) Although home warranty contracts aren't classified as insurance, the companies selling them must register with the OID. This registration process ensures they meet baseline requirements for operating in the state, such as demonstrating financial stability and having a proper claims process. The Oklahoma Insurance Department's information on home service contracts
  • Oklahoma Attorney General's Office This office offers resources and information for Oklahoma consumers, including tips on how to choose a home warranty company.

Final Word

Oklahoma's unpredictable seasons can risk your home's comfort and finances. We've analyzed Oklahoma's top home warranty providers to help you find the perfect fit. Explore the companies we've compared, considering factors like coverage options, customer service ratings, and value.  

Investing in a warranty tailored to your needs will give you peace of mind, knowing unexpected repairs won't disrupt your Oklahoma lifestyle. Focus on enjoying the Sooner State's charm,  leaving home maintenance worries behind.

Frequently Asked Questions (FAQs)

How Much Is A Home Warranty In Oklahoma?

A.

In Oklahoma, a home warranty costs between $29 and $89 monthly. However, the total price can vary depending on your coverage needs.

Are Home Warranties Worth It In Oklahoma?

A.

A home warranty in Oklahoma can be worth your money if you want to protect your home systems and appliances at lower prices.

Is Choice Home Warranty Available In Oklahoma?

A.

Yes, Choice Home Warranty offers services in Oklahoma. To learn more about its offerings in your area, you can request a free quote.

Which Home Warranty Has The Lowest Service Fee In Oklahoma?

A.

Select Home Warranty has the lowest deductible option, i.e., $60. However, SHW has other service fees available, which customers can select.

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