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Best Home Warranty Companies In oklahoma 2024

Oklahoma’s unpredictable weather can damage your home’s appliances and systems. 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.

The Industry Leader
4.5 | fourhalf_star Excellent

Monthly Cost

$29 - $89

Service Fee

$100 & $125

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Offers generous systems coverage
  • Covers undetectable pre-existing issues
  • Allows customers to choose deductibles

Cons

  • Coverage limitations and exclusions

Plans, Cost & Coverage

AHS offers three plans to homeowners: ShieldSilver, ShieldGold, and ShieldPlatinum. American Home Shield plans range between $29 to $70 per month depending on the two deductible options: $100 and $125. According to the company’s policy, the higher the deductible price you choose, the lesser the monthly/annual premium you will have to pay. 

Let’s take a look at the cost and plan details below. 

 

ShieldSilver

ShieldGold

ShieldPlatinum

Cost at $125 Service Call Fee

$29.99

$29.16

$59.16

Cost at $100 Service Call Fee

$39.99

$39.16

$69.16

ShieldSilver

  • Includes parts & components of nearly 14 major home systems, such as heating, plumbing, electrical
  • Suitable for homeowners looking for coverage for essential home systems

ShieldGold

  • Includes coverage for all items from the previous plan, along with nine additional essential appliances and systems, priced at $29.16
  • Appliance limits up to $2,000
  • Best–suited for Oklahoma homeowners looking for medium-level coverage 

ShieldPlatinum

  • Includes everything from the other two plans with some extra items like free HVAC tune-up & roof leak repair
  • Appliance limits up to $4,000
  • Designed for homeowners who value extensive protection and are prepared to invest in it

Why We Picked It?

A veteran in the home warranty industry, American Home Shield has been serving U.S. homeowners for more than 50 years. It offers a network of 17,000 contractors, flexible service fees, and unknown pre-existing condition coverage. For Oklahoman homeowners, AHS can be considered a customizable home warranty provider.

Highly Rated By Customers
4.7 | fourhalf_star Excellent
$150 Off + 2 Months Free

Monthly Cost

$45 - $60

Service Fee

$70

Response Time

24 - 48 hours

Pros & Cons

Pros

  • Offers extensive coverage for various home systems and appliances
  • 24/7 emergency assistance
  • 30-day free trial

Cons

  • No proper pricing on the website

Plans, Cost & Coverage

Elite Home Warranty provides three plans: Elite Appliances, Elite Systems, and Elite Complete. Additionally, they allow you to tailor your coverage from 15 home items. With Elite Home Warranty, your appliances are covered for up to $7,000, and your systems are covered for up to $8,000 per contract term.

Here is a detailed analysis of the cost and plans offered by Elite Home Warranty:

 

Elite Appliances 

Elite Systems 

Elite Complete 

Cost at $70 Service Call Fee

$44.99

$49.99

$59.99

Elite Appliances 

  • This plan includes coverage for eight essential home appliances, such as garbage disposal, refrigerator, and dishwasher, among others
  • Appliances listed under this plan are safeguarded up to a maximum of $7000 throughout the contract term
  • Ideal for individuals seeking extensive coverage for their appliances, ensuring peace of mind and minimizing unexpected repair costs

Elite Systems 

  • Concentrated coverage for seven essential home systems like HVAC, electrical, and plumbing
  • Under the terms of the contract, systems are protected up to a maximum of $8,000
  • This plan is tailored to meet the specific needs of individuals in search of coverage for their home systems

Elite Complete 

  • This comprehensive plan provides coverage for both home systems and appliances, ensuring protection for a wide range of household components
  • Designed for those prioritizing comprehensive coverage without breaking the bank
  • It is particularly well-suited for individuals seeking extensive coverage for their home systems and appliances, all within an affordable budget of under $60 per month

Why We Picked It?

Elite Home Warranty, a newcomer to the field, offers three separate plans and the flexibility to include around 30 extra items for coverage. Their customizable home warranty plans come with exclusive perks such as a 30-day free trial, regular discounts, and support from a claims concierge.

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

Pros & Cons

Pros

  • Coverage for homes up to 5000 sq ft without extra fee
  • Offers free roof leak coverage
  • Provides free coverage on multi-year plans

Cons

  • Lower coverage limit

Plans, Cost & Coverage

Choice offers Basic and Total plans, priced at $46 and $55 per month, respectively. CHW charges service fees from $75 to $150. The company provides coverage for access, diagnosis, repair, or replacement of covered items up to $3,000 per year.

Let’s understand CHW’s plans and costs in detail. 

Plans

Monthly

Yearly

Basic Plan

$46.83

$532

Total Plan

$54.75

$627

Basic Plan

  • Covers 14 major home systems and appliances 
  • Protects electrical, plumbing, heating, and kitchen appliances
  • Considerable for Oklahoma homeowners looking for basic coverage 

Total Plan

  • Covers everything from the Basic Plan plus four more items for $54.75 per month
  • Suitable for homeowners seeking coverage for essential home items

Why We Picked It?

Choice has over 13 years of experience in the home warranty market. The company has earned a reputation for having outstanding customer service and comprehensive combo plan options. The ease of the policy contract is one of the main features that sets Choice Home Warranty apart.

Best For Add-ons
4.7 | fourhalf_star Excellent
$200 Off + 2 Months Free + Free Roof Leak Protection

Monthly Cost

$50 - $60

Service Fee

$90

Response Time

Up to 48 hours

Pros & Cons

Pros

  • Has live chat feature
  • Offers pest control services
  • Provides extensive add-on coverage

Cons

  • Lesser coverage caps

Plans, Cost & Coverage

Liberty Home Guard has three plans for homeowners: Appliance Guard, System Guard, and Total Home Guard. With plans starting from $49 per month, the company charges a service fee of $90 per service visit. Moreover, the covered items are protected up to $2,000 per contract term.  

Here is a detailed analysis of the Liberty Home Guard plans and pricing:

 

Appliances Guard

Systems Guard

Total Home Guard

Monthly Plan

$49.99

$54.99

$59.99

Annual Plan

$499.99

$549.99

$599.99

Appliances Guard

  • Covers nine major home appliances
  • These include commonly used items in your Oklahoma homes, such as ovens, microwaves, refrigerators, and dishwashers
  • Ideal for homeowners seeking comprehensive appliance coverage plan

Systems Guard

  • Covers six essential home systems
  • The plan includes HVAC, electrical, plumbing, and more
  • Ideal for homeowners in search of exhaustive systems coverage 

Total Home Guard

  • Covers a total of nearly 15 home systems and appliances 
  • Oklahoma homeowners wanting a combined coverage for systems and appliances can opt for this plan

Why We Picked It?

Liberty Home Warranty boasts a vast network of 10,000 contractors for swift customer services. Along with comprehensive home warranty plans, LHG also provides total pest control services, round-the-clock customer support, and regular discounts, making it a popular and reliable option for homeowners.

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

Pros & Cons

Pros

  • Extensive contractor network
  • Runs regular discounts
  • Same-day response on claims

Cons

  • No payments for access

Plans, Cost & Coverage

Select Home Warranty offers three plans with varied coverage, including optional add-ons: Bronze Care, Gold Care, and Platinum Care. Select’s pricing is different for all three plans. Bronze Care and Gold Care plans cost $44 monthly, whereas the Platinum Care plan costs $47 monthly. Select Home Warranty has an aggregate limit of $2000 per system or appliance covered in your contract.

Here is a breakdown of SHW’s costs and plans:

 

Bronze Care

Gold Care

Platinum Care

Cost/Month

$44.42

$44.42

$47.75

Cost/Annum

$479.99

$479.99

$524.99

Bronze Plan

  • Covers eight major household appliances
  • Appliances are the refrigerator, oven, and dishwasher, etc
  • Suitable for Oklahoma residents looking for an appliance repair plan under $45 per month

Gold Plan

  • Covers 6 important home systems
  • The systems include HVAC, plumbing, water heater, electrical, etc
  • Ideal for homeowners seeking coverage for essential home systems

Platinum Plan

  • Comprehensive coverage plan covering 17 systems and appliances
  • Including systems and appliances from the other two plans with plumbing stoppages, garage door openers, and ceiling fans
  • Best-suited for homeowners looking for comprehensive coverage with a monthly budget of less than $50

Why We Picked It?

Select Home Warranty provides one of the most economical home warranty plans. Your home will automatically receive free roof leak coverage if you have a Select Home Warranty. Additionally, Select can be a good deal for Oklahoman homeowners looking for tornado-proof roofs.

Are 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 worth considering in places where crucial home items risk wear and tear.
  • 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. Ensure the plan offers enough coverage, especially for the items you need.

Who regulates Home Warranty Companies In Oklahoma?

  • Oklahoma Insurance Department (OID) Home warranty contracts aren't classified as insurance, but 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. You can request a free quote to learn more about its offerings in your area.

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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