Top Best Home Warranty Companies In Oklahoma ReviewAs an Oklahoma homeowner, whether located out in the drier plains, up in the Arbuckle Mountains, or in the vibrant Oklahoma City, you know that this midwestern state has a lot to offer. From being the top 7th most affordable state, to having plenty of great neighborhoods for raising a family, to the infamous art deco architecture of Tulsa, there are many benefits of homeownership in OK. However, being a state known for its tornadoes and frequent weather changes, the stress of keeping all systems and appliances working can be taxing. If you are looking for the best home warranty company in Oklahoma, we have you covered. 

In this guide, we will cover . . . 

  • What is a home warranty in Oklahoma?
  • Why should you have home protection on your home? 
  • What should you look for when purchasing a home warranty?
  • The 7 best home warranty companies in 2022
  • And much more!

Oklahoma has four seasons, and these seasons are going to greatly impact the way a home warranty functions and how it can help you as a homeowner. In the summer, your HVAC system will need to be in excellent working condition, and in the winter, a heater breakdown could lead to major issues. Home warranties will help ensure that your Oklahoma home is always functioning and livable. 

Home warranty companies help you save money on expensive home repairs and replacements. They also allow you to enjoy peace of mind while owning your home. If you are looking for the best home warranty companies in Oklahoma, we have all the information you need.  

Editor's Choice
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
Claim Offer
Best Overall
98.0

Limited Time: New Customers Get $50 Off
Claim Offer
Most Affordable
97.2

Claim Offer

Best Home Warranty Companies in Oklahoma

  # 1 Our Top Choice American Home Shield
Editorial Rating 98.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 2 Select Home Warranty
Editorial Rating 97.6
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 3 The Home Service Club
Editorial Rating 97.2
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Market veteran
  # 4 Liberty Home Guard
Editorial Rating 96.5
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 Cinch Home Services
Editorial Rating 95.7
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 6 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 7 ServicePlus Home Warranty
Editorial Rating 95.1
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Top 7 Best Home Warranty Companies in Oklahoma

Compare Oklahoma Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
The Home Service ClubSiteQuickest Service$50-$63$60N/A
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-

Oklahoma Home Warranty Costs 

The decision to purchase a home warranty for your Oklahoma home will often come down to the costs associated with the plan. An Oklahoma home warranty will vary in price because of monthly charges, service fees, and coverage caps. It is essential to understand home warranty pricing and how it can impact you as a homeowner. At Review Home Warranties, we found that it would help Oklahoma homeowners understand the average costs associated with a home warranty plan. We have done in-depth research to give you the most up-to-date average home warranty costs on the market. Regardless of the type of home you live in, these average costs are essential to understand before purchasing your policy.

Type

Average Annual Premium

Overall

$732.68

Single Family Home

$608.56

Multi-Family

$1,083.26

Townhome

$495.30

Condo

$611.58

Home Over 5,000 sq. ft.

$1,294.73

Home Under 5,000 sq. ft.

$652.83

Oklahoma Home Warranty Companies Reviews

At Review Home Warranties, we have reviewed more than 70 companies to help narrow down the top seven home warranties for Oklahoma homeowners. When comparing Oklahoma home warranties, we had to look at things like coverage costs, customer service, service fees, BBB ratings, plan choices, workmanship guarantees, and more. Here are our reviews of the top 7 best home warranty companies in the state of Oklahoma.   

1. Best Overall: Choice Home Warranty

Choice Home Warranty is the best overall home warranty policy in the state of Oklahoma. One of the key highlights that make Choice Home Warranty stand out is the simplicity of the policy contract. With Choice Home Warranty, you will always feel as though they are on your side and will work with you to make sure you get your breakdowns serviced ASAP. Choice Home Warranty does not have a contract filled with fine print or tricky policies that will leave you feeling scammed. With 13 years in the home warranty industry, Choice has also developed a reputation for having excellent customer service and impressive combo plan choices. 

Pros

Cons

Comprehensive plan options

It won’t allow for custom plan build-out

Simple contract

 

Fair overall pricing

 

Reasonable service fees

 

Good sign-on incentive 

 

Plans, Pricing and Coverage

Even though the Choice Home Warranty only offers two plan options, they are still clearly our best overall choice for a home warranty. The Basic Plan and the Total Plan will have both systems and appliances covered as part of the home warranty. The Basic plan has limited coverage, but runs for as low as $45 per month. The Total Plan is the most popular plan for homeowners and comes in at just under $54 per month. Choice Home Warranty also offers generous coverage caps up to $3,000 per item. The service call fee associated with Choice's policies is $85 per visit. 

Here's a closer look at Choice's Home Warranty's plan options:

  • Basic Plan ($42 per month): The Basic Plan offered by Choice is a basic plan with 13 total appliances and systems included. Those items are ceiling fans, ductwork, cooktop exhaust fans, dishwasher, garbage disposal, electrical system, garage door opener, ductwork, heating system, oven, microwave, plumbing system, toilet, and water heater.
  • Total Plan ($53.33 per month): The Total Plan offers better coverage to Oklahoma homeowners. This plan covers all 13 of the items included in the Total Plan plus four more essential coverages: washer, dryer, refrigerator, and air conditioner. These extra coverages are important to many OK customers of Choice. 
  • Optional add-ons: Choice offers nine optional add-ons  including roof leaking, central vacuum, well pump, septic tank, sump pump, pool and spa, and stand-alone freezer. 

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying

"On a Saturday night my furnace stopped working. Very cold outside. I contacted Choice and within minutes had a response from a tech who came out Sunday morning and fixed the issue. Coming out on a Sunday would have normally cost a small fortune, but it cost me the $60 charge per the agreement. Thanks CHOICE for your fast response. The tech who came out was excellent."Mike B.

Find our more information on our Choice Home Warranty Review.

2. Most Customizable: American Home Shield 

American Home Shield is the most customizable home warranty company for Oklahoma homeowners. No two Oklahoma homes are exactly the same, and this is where it pays to have a home warranty that is custom fit to the specific needs of your Oklahoma home. With an Oklahoma home warranty from American Home Shield, you can add or subtract coverages to ensure that the plan fits your specific needs. American Home Shield has more than 50 years of industry experience, and they know exactly how to help when a situation comes up. Although some of the American Home Shield plans are a bit more expensive, expect a great value with AHS. 

Pros

Cons

Been around for more than 50 years

A premium-priced policy 

Built out custom plans and add on options

 

Customizable pricing 

 

Add on coverage choices

 

Plans, Pricing and Coverage

There are three American Home Shield plans on the market: ShieldSilver, ShieldGold and ShieldPlatinum. ShieldPlatinum is one of the most comprehensive and expensive home warranty plans in Oklahoma. If you have a high-end home and want complete peace of mind, this would be an excellent plan to consider. However, the lower-tiered plans, ShieldSilver and ShieldGold, offer excellent value and are more affordable at as low as $29.27 and $39.27, respectively. AHS allow for a customizable service fee of $75, $100 or $125. However, when you choose a lower service fee, your monthly premium will be higher and vice versa. 

Take a closer look at AHS's policy options (note: these prices are based on a $100 service fee):

  • ShieldSilver™ ($34.27 per month): ShieldSilver offers basic systems coverage on 17 systems. These include systems such as ductwork, air conditioning, water heater, electrical system, plumbing, heating system, smoke alarms, garage door opener, doorbells, and more.
  • ShieldGold™ ($44.27 per month): ShieldGold features a basic-level coverage on 23 systems and appliances. This plan includes many of the items in ShieldSilver, plus several appliances including microwave, clothes washer, dishwasher, clothes dryer, oven, and refrigerator. 
  • ShieldPlatinum™ ($64.27 per month): This is the most popular plan for homeowners in Oklahoma; it offers comprehensive coverage on 27 systems and appliances. ShieldPlatinum covers all 23 items included in ShieldGold plus locksmith, water dispenser, and garbage disposal. As a bonus, this plan also comes with a $1000 credit toward unexpected costs and free HVAC tune-up.
  • Optional add-ons: The six additional coverages offered by American Home Shield are pool, septic system, spa, television, PC, and well pump.

Plan

Cost Per Month

Service Fee

ShieldSilver

$30-$45

$75 - $125

ShieldGold

$40-$55

$75 - $125

ShieldPlatinum

$60-$75

$75 - $125

What Customers Are Saying

“On a Sunday in January, the inner window of my oven exploded. I called AHS, made arrangements for the deductible payment and in less that 30 minutes had been assigned to a vendor. In less than a week, the technician was in my home diagnosing the problems. The parts needed to be ordered and would take a few days to get here. In just eleven days, my oven was fixed and back in service. My previous Warranty company took over 2 months to fix my washer, charged me twice to have the same company come out, and really did not seem to care if my washer ever got fixed. Dealing with American Home Shield has been a much better experience. I recommend this Warranty Company to anyone who is needing this type of insurance." - Loran V.

Read our full American Home Shield Review to learn more.

3. Most Affordable: Select Home Warranty 

Select Home Warranty is the most affordable home warranty provider in Oklahoma. For many first-time homebuyers or those on a budget, a home warranty can be expensive. Sometimes, it is difficult to invest in a plan, but Select Home Warranty makes things much more affordable. All plans come with a monthly premium under $63 per month and an industry-lower service fee. With Select Home Warranty being on the market for more than nine years, they have built a base of impressive technicians and repair personnel across the United States. In addition, all of the Select Home Warranty policies come with free roof leak coverage.  

Pros

Cons

Impressive customer service

Lower policy limits

Clearly defined coverages and exclusions

Not great for high-end appliances and systems

High workmanship quality 

 

Straightforward policy choices 

 

Plans, Pricing and Coverage

Select Home Warranty offers three plan options: the Bronze Care plan for appliances, the Gold Care plan for systems, and the Platinum Care Plan which offers comprehensive coverage on both appliances and systems. Bronze Care and Gold Care are the same price, costing just under $58 per month. When you look at the plan options for Select Home Warranty, you can see that the Platinum Care plan stands out as having some of the best overall coverage. For just a few dollars more per month at around $63 per month, Platinum Care combines all the coverages of the Gold Care and Bronze Care plan. Select Home Warranty has an extremely affordable service fee of just $60 per technician visit.

Take a closer look at Select Home Warranty's plans:

  • Bronze Care Plan ($57.67 per month): The Bronze Care Plan covers seven appliances including garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator and clothes washer. Many of these appliances come with a lower coverage cap of $500 due to the low monthly cost.
  • Gold Care Plan ($57.67 per month): This plan features coverage on six major home systems. Those included are plumbing systems, air conditioner, heating, electrical, ductwork, and water heater. Some important coverages in this plan like your HVAC system come with a much higher annual limit of $2,000. 
  • Platinum Care Plan ($62.08 per month): The Platinum Care plan is the most popular plan amongst Oklahoma homeowners. As the most comprehensive option, this plan covers all seven appliances in the Bronze Care Plan and the six systems covered in the Gold Care Plan plus three more. The additional coverages are garage door opener, ceiling fans, and plumbing stoppages.
  • Optional add-ons: Select Home Warranty offers a few add-on coverages including pool, spa, central vacuum, lawn sprinklers, stand-alone freezer, septic system, well pump, and sump pump. 

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$60

Bronze Care

$60.42

$60

Platinum Care

$65.83

$60

What Customers Are Saying

"I am very happy with this service. I am having them for 2 my houses and used already for both. The technicians came on time, very professional and helpful. They replaced the parts of dishwasher and now it’s working great. I am still waiting for the parts for my fridge." - Natalie S.

For more information read our Select Home Warranty Review.

4. Best for Quick Coverage: The Home Service Club

The Home Service Club is the best home warranty company in Oklahoma for quick coverage. With a home warranty plan from The Home Service Club, you will not need a home inspection done prior to the start of your policy. Additionally, unlike other home warranty providers, The Home Service Club's waiting period is only 10 days. Most other home warranty companies require 30 days before the policy can kick in. This allows you to have home warranty coverage as quickly as possible. In addition to quick coverage, the has been on the market for more than 13 years, making it very experienced with customer service and workmanship.  

Pros

Cons

No inspection is needed before the plan starts

Can be a high service fee

The plan starts after ten days 

Not accredited by the BBB 

Extensive coverage options even in the basic plan 

 

Plans, Pricing, and Coverage

The Home Service Club offers two home warranty plans: the Standard Coverage plan and the Comprehensive Coverage plan. Each of these plans offers coverage on both system and appliances. The Standard Coverage Plan is considered the 'basic option' from HSC, but is far from basic. It has pretty extensive coverage and is only $50 per month. However, Comprehensive Coverage is the most popular home warranty policy option because it comes with coverage on 27 systems and appliances for only $13 more per month. HSC offers a standard service fee of $60, but also has options for a $75 and $95 service call fee. 

Take a closer look at The Home Service Club's protection plans:

  • Standard Coverage ($50 per month): The Standard Coverage Plan offers coverage on 18 systems and appliances. This is a significant amount for the most basic plan being offered by HSC. The coverages included are air conditioners, ceiling fans, water leaks, water heater, electrical system, central vacuum, dishwasher, refrigerator, trash compactor, oven, and more.  
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan from The Home Service Club takes the Standard Plan and increases the coverage by nearly ten items. The additional coverages are gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. For the price point, this is the better home warranty plan option form HSC. 
  • Optional add-ons: The Home Service Club has 12 additional coverages including well pump, water softener, spa, spa heater, free-standing freezer, pool, and more. HSC offers a Utilities and Home Service Line Coverage package as an add-on, which covers your outside gas line, water line, sewer line, and lawns sprinkler system.

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What Customers Are Saying:

“The alarm system went off last night. We thought there was a burglar but I guess the wiring was busted. We turned it off and waited for the repair guys from HSC after we called for a claim. They got it fixed soon after they arrived. Good thing it was fixed already because I know I wouldn't feel secure without it.” – Jessie K.

Read our HSC review to learn more.

5. Best Reviewed: Liberty Home Guard 

Liberty Home Guard is an excellent choice for those looking for a valuable and highly rated company in Oklahoma. With the Liberty Home Guard only having two years of experience in the industry, their BBB rating of an A is quite impressive. Many of the several hundred positive reviews speak highly of Liberty's customer service representatives, low claim denial rate, and high-quality technicians. Additionally, Liberty Home Guard offers some of the most extensive add-on coverage choices on the market with over 20 items offered. If you have a sprinkler system, central vacuum, or an extra refrigerator, this is a plan that you may want to consider purchasing. 

Pro

Cons

BBB Rating of an A

Option plan choices are a bit higher in price

Overall fair pricing

The price increases quite a bit for comprehensive plans 

60 Day workmanship guarantee

 

Add on coverage list is extensive 

 

Plans, Pricing and Coverage

Liberty Home Guard offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers appliances for $69.99 per month, whereas Systems Guard costs $74.99 per month. The most popular plan is Total Home Guard. With Total Home Guard, you'll get coverage on both appliances and systems for $79.99 per month. Although monthly premium pricing may seem high, Liberty offers a lower service fee of $75 and has high coverage caps up to $3,000. Liberty Home Guard also has a highly rated service guarantee, so you know that covered items will get serviced when needed.

Here are more details on Liberty Home Guard's plans:

  • Appliance Guard ($69.99 per month): This plan offers coverage on 11 basic home appliances. The included items are cooktop exhaust fan, refrigerator, ceiling fans, garage door opener, garbage disposal, microwave, clothes washer, clothes dryer, oven, dishwasher, and refrigerator ice-maker. 
  • Systems Guard ($74.99 per month): This plan comes with coverage on nine home systems. The coverages are toilet, air conditioner, plumbing and plumbing stoppages, heating system, ductwork, electrical, bath exhaust fan, and water heater. For basic systems coverage, this is an excellent choice.
  • Total Home Guard ($79.99 per month): The Total Home Guard plan covers all of the major home systems and appliances covered in Systems Guard and Appliance Guard. There are 20 total appliances and systems covered under this plan. Most of the appliances have high coverage caps at $1,600, with some systems having annual limits up to $2,500. 
  • Optional add-ons: For $49.99-$299.99 per year, Liberty Home Guard has an extensive list of over 20 add-ons including some unusual options such as re-key service, pest control, gutter and floor cleaning, lawn sprinklers, and wine refrigerator. 

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$75

Appliance Guard

$74.99

$75

Total Home Guard

$79.99

$75

What Customers Are Saying: 

“It feels good having them on speed dial. Ive called Liberty Home Guard for a ton of different issues, from getting my carpets cleaned to fixing my refrigerator and it really feels good to know that I have one central place to call whenever I need any home related help. I even asked Liberty if they knew of or could help me with any general contractors for a kitchen renovation I want to do, and while they said they didn't, they did say they are working on a solution for that. I have been using Liberty for close to four years now and I am definitely happy with the investment. I highly recommend their services to most homeowners as they save you a lot of time and effort.– Franklin L.

Read our Liberty Home Guard Review for more information.

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Oklahoma homeowners that need extensive coverage. If you are looking for coverage for many appliances and systems, First Premier Home Warranty is the best option out there. This is a newer company with not as much time in the industry, but has received an A- BBB rating, which shows they are doing something right. The modern technology that First Premier Home Warranty has put into place ensures that you will have no issues submitting and checking up on a claim. First Premier's broad plans also come at an affordable cost.

Pros

Cons

BBB Rating of A-

Short time on the market 

A newer company that is continually improving 

Not everyone wants to pay upfront for the year

Low costs if you pay upfront 

 

Modern technology and systems in place 

 

Plans, Pricing and Coverage

There are two plans from First Premier Home Warranty: the Premier Plan and the Premier Platinum Plan. The plans both have extensive coverage and very fair-priced service fees. The Premier Plan is considered the basic plan, and offers coverage on 14 items for as low as $35 per month. The Premier Platinum plan is more comprehensive, offering coverage on 19 appliances and systems for as low as $43 per month. Most Oklahoma homeowners choose the Platinum Plan as it provides coverage for more items in the home. First Premier has a service call fee of $75. 

Take a closer look at First Premier's coverage plans:

  • Premier Plan ($43 per month): This plan covers 14 systems and appliances including ceiling fan, sump pump, cooktop exhaust, dishwasher, garbage disposal, ductwork, garage door opener, oven, microwave, electrical system, plumbing system and stoppages, trash compactor, and water heater. 
  • Platinum Plan ($50 per month): This plan offers better overall coverage. The Platinum Plan covers all 14 items in the Premier Plan plus five more coverages: air conditioning, heating system, washer, dryer, and refrigerator. If you choose to pay the annual cost of $449, you can save on this home warranty and get it for as low as $38 per month. 
  • Optional add-ons: First Premier offers several add-on coverages including roof leaks, free-standing ice maker, water softener, septic tank pumping, stand-alone freezer, refrigerator ice maker, central vacuum, well pump, lawn sprinkler, septic, spa and pool coverage.

Plans

Cost Per Month

Service Fee

Premier Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying 

“I've only had positive experience the entire time with First Premier, Ive been with this company for 8 months now and from the sales representative *** onto the claims representatives they've just been so easy and helpful to deal with. This is the best warranty Ive ever had coverage with. I don't have to worry at all because I know First Premier is there to help me. Recommended to everyone in need of a warranty! They are definitely the best.” - Scott B.

For more information read out First Premier Home Warranty Review.

7. Best Workmanship: Cinch Home Services 

Cinch Home Services offers the best workmanship guarantee for Oklahoma homeowners. With Cinch Home Services having more than 40 years of experience, the company is a true home warranty industry leader. A 180-day workmanship guarantee is by far the most extensive in the industry; most other companies offer a guarantee of about 30-60 days. Another key feature of Cinch Home Services is that repairs or replacements are always handled by a professional that understands the industry fully. Cinch has built a network of over 40,000 qualified technicians across the nation. If you are a Cinch Home Services customer you can have peace of mind about the way your repair request is going to be handled. 

Pros

Cons

Long history in the home warranty business

Higher service fees 

180-day workmanship guarantee

Negative customer reviews

Moderately priced plans to choose from 

 

Plans, Pricing and Coverage

There are three Cinch Home Services plans to choose from: the Appliances Plan, the Built-in Systems Plan, and the Complete Home Plan. The Complete Home Plan is the best overall choice as it has coverage on 32 appliances and systems for as low as $49.99. The price of your monthly premium will depend on the service fee you choose, and Cinch has pretty expensive service fees due to the long workmanship guarantee and high coverage caps. They range from $75-$150. 

Here's a closer look at Cinch Home Service's plans (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): The Appliances Plan covers all your necessary laundry and kitchen appliances. The included items are trash compactor, refrigerator, microwave, oven, free-standing ice maker, refrigerator ice-maker, cooktop exhaust fan, dishwasher, clothes dryer, food center, and clothes washer. This plan includes 11 items covered for as low as $34.99 per month.
  • Built-In Systems Plan ($51.99 per month):The Built-in Systems Plan covers 21 systems for as low as $39.99 per month. The included items are air conditioner, smoke alarms, central vacuum, heating system, garage door opener, electrical septic and septic tank pumping, bath exhaust fans, attic fans, water dispenser, ductwork and more.
  • Complete Home Plan ($61.99 per month): The Complete Home Plan is the best option for Oklahoma homeowners as it offers coverage on all items included the other two plans. This plan covers a total of 32 items, comes with a $500 reimbursement for homeowners insurance per contract term, and includes high coverage caps of $1,000 to $2,000 per item.
  • Optional add-ons: Due to the amount of coverage in the Complete Home Plan, Cinch has a limited list of add-ons. Cinch does offer coverage on pool, septic systems, and well-pump, as well as its Premier Upgrade Package to its customers which includes $1,000 for any unforeseen costs that may occur during a claim. 

Plan

Cost Per Month

Service Fee

Appliances Plan

$34.99-$50.99

$75 - $150

Built-in Systems Plan

$39.99-$57.99

$75 - $150

Complete Home Plan

$49.99-$67.99

$75 - $150

What Customers Are Saying

“I called Cinch on Wednesday morning about 2 leaks from my hot water heater. They sent a plumber that same day. He fixed the 1 leak and gave my hot water heater a through going over and recommend that they replace my hot water heater. By Friday the new one was installed."Robin S.

Read our full Cinch Home Services Review for more information.

Home Warranty Coverage in Oklahoma Cities

What is a Home Warranty?

A home warranty is a service contract between a homeowner and provider that covers the out-of-pocket costs to fix home appliance and systems. In the US alone, there are over 80 home warranty companies that each offer unique protection plan options, coverages, pricing and years of experience in the industry. Typically home warranty plans cover systems such as electrical, HVAC or plumbing or cover appliances such as oven, washer, dryer, and microwave. Combo policies will cover both systems and appliances. Read your service contract to know the specific items that are covered and their exclusions.

Home warranties come with a set monthly premium and service fee. Service fees usually run from $65-$100, and monthly payments are usually $40-$80. When one of the covered systems or appliances has a break down, you file a claim with your service provider though an online claims portal or phone number. Your home warranty provider will then send a licensed technician to your home to assess the issue. If the item is covered, you will only pay the service fee for the cost to fix or replace the item.

A home warranty policy isn't like home insurance; it won't cover damages caused by natural disasters. Most home warranties also won't cover cosmetic damage, pre-existing conditions, misuse or neglect. The purpose of a home warranty is to cover the normal wear-and-tear of systems and appliances that cause unexpected breakdowns.

How to Find the Best Home Warranty in Oklahoma

There are some very important considerations for Oklahoma residents looking to purchase a home warranty. If you are going to try and narrow down these top seven companies to the best overall, it takes a bit of time and research. There are many factors that set one company apart from another, yet three of the most important are coverage caps, service fees, and BBB ratings. Here is how these home warranties are going to impact your home warranty decision. 

Coverage Caps 

The coverage cap is the most your home warranty policy will payout for a repair or a replacement. The coverage caps typically range in price from around $300 up to $3000. If your Oklahoma home has high-end systems and appliances, high coverage caps are a must. The value of a home warranty plan is increased greatly by having a higher coverage cap. 

Service Fees 

The service fees are the prices that are paid each time a repair or replacement is needed. To have the repair technician come to your Oklahoma home, the service fee needs to first be paid. Service fees will range in price from around $60 to more than $150. Sometimes higher service fees are associated with lower monthly payments. 

BBB Ratings

The BBB ratings are a great way to judge how a home warranty company will care for its customers. The BBB ratings often have review information to give you a better feel for how the company conducts business. This information is beneficial and should be looked at before investing in the company. Many of the home warranty companies on our list have BBB ratings of A or B. 

Home Warranty Tips for Oklahoma Residents

When choosing a home warranty in Oklahoma, it is essential to consider the local conditions. As you move from one state to another and even when moving across the state to areas like Tulsa, Norman, and Lawton, the needs of your Oklahoma home can change. 

Things like the age of your house and the age of your systems and appliances will come into play. However, so will the climate and the temperature. 

Not only does the age of the house play a role in which home systems and appliances should be covered, but also the climate may contribute to the normal wear and tear on these items. Oklahoma is located in a transition zone between the humid continental climate to the north, semi-arid climate to the west, and humid subtropical climate in the state’s central, south, and eastern portions.

This combination of climates creates weather that can change drastically over a very short period of time. For example, the date of November 11, 1911, is well-known in Oklahoma history for breaking the record high temperature of 83°F in Oklahoma City in the afternoon and dropping down to a record low of 17°F at midnight. Oklahoma’s highest-recorded temperature of 120°F was recorded at Tipton on June 27, 1994, and the lowest recorded temperature of -31°F was recorded at Nowata on February 10, 2011.

For Oklahomans looking for a home warranty, such weather patterns mean that both their heating systems/furnace and air conditioners should always be in good operating condition. One of the best home warranty companies in Oklahoma, American Home Shield, covers up to two units for both air conditioning and heating systems that are designed for residential use only.

The humid subtropical climate of central, southern, and eastern Oklahoma is influenced heavily by southerly winds bringing moisture from the Gulf of Mexico. Humid weather may have a detrimental effect on the normal wear and tear of electrical appliances, so protecting them under a home warranty would make sense. Having a home warranty with roof coverage and may also be beneficial. 

As you can see, Oklahoma residents will benefit greatly from having a home warranty in place. It doesn’t matter if you are located in Stillwater, Enid, or Shawnee; an Oklahoma home warranty can save a great deal of money. 

Home Warranty Regulations in Oklahoma

It is always good to know which authorities regulate the operation of any company you are dealing with. In the case of the home warranty companies servicing Oklahoma, the supervising authority is the Insurance Commissioner of the State of Oklahoma. All home warranty companies must be registered as home service contract providers as defined in O.S. Title 36 §6752 in accordance with the provisions of the Oklahoma Insurance Code, O.S. Title 36 §101.

Final Thoughts

Hopefully, you now feel as though you are ready to purchase an Oklahoma home warranty. There are so many great options on the market to choose from, but Choice Home Warranty stands out as the best overall. Choice Home Warranty is a plan that has been on the market for more than 13 years, and they continue to provide solutions and help to Oklahoma homeowners. If you are looking for a plan with very basic and straightforward options and coverages, the Choice Home Warranty is the best choice. The plan will help you save money and have peace of mind about your Oklahoma home.

You can get a free quote from Choice Home Warranty by filling out this form. Even with Choice Home Warranty being the best overall choice, it makes sense to get several quotes from other home warranty companies on our list.

Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies

At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each service provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like: 

  • We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • Additional Benefits
  • We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
  • We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other. 

From here we created a comprehensive, 100 point, rating scale based on the following factors: 

  • Plan options (25): Providers that offer more flexibility in their plans are rated higher.
  • Coverage specifics (5): The more items covered in a home warranty plan, the higher the score. 
  • Pricing (25): We take the monthly fee and service fee into consideration when rating pricing. 
  • Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
  • State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score. 
  • Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service. 
  • Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher. 

Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.

Resources for Oklahoma Homeowners and Home Buyers

  • Oklahoma Housing Finance Administration: For first-time homebuyers and those who are lower-income, the Oklahoma Housing Finance Administration offers payment assistance for mortgages and down payments. If you have questions about home financing, this website can help. 
  • Homeownership Assistance Oklahoma: The US Department of Housing and Urban Development will help Oklahoma homeowners considering purchasing a home or trying to stay in their home during a difficult economic time. This is a federal agency that can offer assistance throughout the United States. 
  • Oklahoma Rural Development Assistance: The state of Oklahoma has quite a bit of rural land. With the Oklahoma Rural Development Assistance, you can get help and assistance developing this rural land and creating an Oklahoma homestead. 
  • Oklahoma City Housing and Neighborhood Agency: Oklahoma City is a popular place for many new homeowners. However, ensuring that you understand what goes into purchasing an Oklahoma home is essential, the Oklahoma City Housing and Neighborhood Agency will assist with all housing and education needs. 
  • Tulsa Housing Initiative: For those living in Tulsa, the Tulsa Housing Initiative can help ensure that you find access to affordable housing and the resources you need. Oklahoma homeowners need to research both local and statewide resources when searching for homes. 

Recap of Our Top Picks In Oklahoma

  # 1 Our Top Choice American Home Shield
Editorial Rating 98.00
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 2 Select Home Warranty
Editorial Rating 97.60
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 3 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Market veteran
  # 4 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 Cinch Home Services
Editorial Rating 95.70
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 6 First Premier Home Warranty
Editorial Rating 95.30
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Limited plan selection
  • Online chat not supported
  # 7 ServicePlus Home Warranty
Editorial Rating 95.10
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability

Nearby States

All states
Home warranty Kansas 39 companies available
Kansas Home Warranty
Home warranty Texas 52 companies available
Texas Home Warranty
Home warranty Arkansas 33 companies available
Arkansas Home Warranty

Frequently Asked Questions in Oklahoma

Below are just some of the frequently asked questions we receive about home warranties in Oklahoma.

Q.

Is an Oklahoma home warranty worth it?

A.
How do you manage home maintenance? Unless you have thousands of dollars to spend at a moment’s notice, the breakdown of a major system or appliance can be a challenge to your budget.

A home warranty can be one way of avoiding a costly repair or replacement on an appliance or system in your Oklahoma home. The best thing about a home warranty is that it covers the potential for multiple systems or appliance failures under one service agreement. 
Q.

What are the best home warranty companies in Oklahoma?

A.
In our research, we sift through data on nearly 70 home warranty companies operating throughout the United States. For your home in Oklahoma, here are our top five picks:

  1. American Home Shield
  2. Select Home Warranty
  3. Liberty Home Guard
  4. Cinch Home Services
  5. First American Home Warranty
Q.

What do home warranties cover?

A.
A home warranty covers failures and malfunctions of common home appliances and systems due to everyday wear and tear.

The most common appliances covered include:

  • Refrigerator
  • Range/Oven/Cooktop
  • Dishwasher
  • Built-in Microwave
  • Clothes Washer
  • Clothes Dryer

The most common systems covered include:

  • Heating and Air Conditioning (HVAC) including ductwork
  • Plumbing, including stoppages
  • Electrical
  • Water Heater

You can also frequently get coverage as an optional add on for things like:

  • Pool/Spa
  • Septic Pump
  • Sump Pump
  • Limited Roof Leaks

Coverage varies among the various providers, so look at the plans carefully for what is included in the plans you are most interested in.
Q.

How much does a home warranty cost?

A.
Depending on the plan you choose, a home warranty can cost very little. First American has a Basic Plan for as little as $32 per month. For a Combo Plan that includes a long list of systems and appliances in your home, you can expect to pay between $50 and $70 per month. 

Combo Plan 
Monthly
Yearly
Top 5 Provides Average
$59
$708

Another cost to keep in mind is the service call fee. This is the cost each time you contact the home warranty company with a claim and they send a licensed contractor to assess the situation. The service call fee ranges from $60 to $125. Usually, the higher the service call fee, the lower the monthly premium.
Q.

How do I choose a good home warranty?

A.
There is a lot to think about in choosing the right home warranty for your needs. Here are three steps that will help:

  1. Examine the data - Do what you are doing right now, looking at the providers available in your area, what they offer, and their reputation. 
  2. Get multiple quotes - This is an important step. As you narrow down your options to the top 3 or so, be sure to get a quote for the coverage you are looking for, so you can compare prices and coverage for your top picks.
  3. Read the service agreement - Make sure you understand what is and is not covered in the service contract with the home warranty company. Knowing what to expect will help you avoid confusion if and when you make a service call.