Are you wondering what the best home warranty companies are in Oklahoma?
Well, you’ve come to the right place. In our review, you will find vital answers to questions like:
- Do you need a home warranty in Oklahoma?
- How can a coverage plan protect your home in OK?
- How can you save money with a home warranty policy?
- What are the best Oklahoma home warranties?
- Should you read the OK warranty reviews?
- And much more!
We’ve reviewed the best home warranty companies in Oklahoma and compared their coverage, costs, plans, and terms to help you determine which company is right for you. Scroll down to learn which companies are the best!
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.
Do You Need An Oklahoma Home Warranty?
Whether Oklahomans live in apartments, townhomes, or single-family homes, they all can get home warranty coverage. And a home warranty for Oklahoma City residents will be the same as the warranties for the residents of even the smallest farms. Most home warranty companies in Oklahoma offer coverage for different types of properties, from single-family homes to mobile homes.
In 2017, there were more than 264,000 houses sold in Oklahoma, which was a 23.1% increase compared to 2016, and the median number of rooms in a house was 5.5.
A home warranty plan can even help you save time and money, no matter your financial situation. So, all Oklahoma residents can benefit by working with a home warranty provider.
For some homeowners, a home warranty is even more beneficial, though. Keep reading to find out if you are at risk for home repairs and whether or not a home warranty is right for you.
Top 7 Best Home Warranty Companies in Oklahoma
Do You Live In An Older Home?
The median build year for houses in Oklahoma is 1977, which means most properties are more than 40 years old. Naturally, most home systems and appliances in older homes need repairs or replacements.
For those residents who live in older houses, protection plans in Oklahoma offer peace of mind because repairs or replacements when a home appliance or system malfunctions are taken care of by the warranty company. For example, Choice Home Warranty offers great coverage for all major home systems and a number of appliances in the Total Plan, which is great for older homeowners.
Did You Buy a Newly Constructed Home?
In many cases, the owners of the newly constructed homes may benefit from having a home warranty as much as the owners of the older houses.
You might be wondering about a manufacturer’s warranty on some appliances, as newly built homes generally come with it. Well, part of our job is to inform homeowners that a manufacturer’s warranty will expire, and when it does you will want backup coverage for your items.
How Can Weather Contribute To Normal Wear and Tear?
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 of 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 central, south, and eastern portions of the state.
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 and air conditioners should always be in good operating condition. One of the best home warranty companies in Oklahoma, Total Home Protection, 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 it would make sense to protect them under a home warranty.
Are You Busy?
If you live a busy life, as most people do, a home warranty plan can help you save time when you need a system or appliance repair. The best home warranty providers have extensive service contractor networks.
As a customer, when a covered item breaks, you do not have to spend valuable time calling numerous contractors to find one that is available and reading reviews for each to make sure they are reputable.
All you have to do is contact your home protection company to make a service call. A customer service representative will then schedule one of the company's qualified network members to schedule an appointment for them to visit your home to assess the appliance or home system to verify that your plan includes protection for the repair.
Best Home Warranty In Oklahoma?
American Home Shield the best coverage available in Oklahoma. AHS has lower rates of claim denial, offers 24/7 customer service and you get to choose your own service fee.
Do You Want To Budget For Home Repairs And Major System Replacements?
Appliances and home systems are costly to repair, and you never know when they will malfunction. With a home warranty plan, you do not have to worry about whether or not you will have the money to replace or repair a covered item.
You pay a monthly or yearly fee for your plan, which is typically between $275 and $500 per year for peace of mind that when something goes wrong, you can fix the problem without dipping into your savings.
What Types Of Home Warranty Plans Available In Oklahoma?
There are dozens of home warranty companies, and most of them work with customers in Tulsa, Oklahoma City, Edmond, and across Oklahoma. Each provider for Oklahoma residents offers different plans that you can purchase to cover some or all of the appliances in your home.
Knowing your coverage options is essential because it will help you select the right plan for your needs.
An appliance protection plan covers many of the devices you use every day like your garbage disposal, dishwasher, refrigerator, cooktop, oven, garage door opener, water heater, and many other major appliances.
You can purchase an appliance package with other packages or alone, and these plans are a great way to protect yourself from costly repairs when an appliance breaks. Appliance protection is also known as “basic coverage,” as systems are not included unless you purchase a more comprehensive plan.
Looking for the Best Home Appliance Insurance?- Read Our Research
Is your house is full of hi-tech home appliances? When you first purchased them, they all came with a manufacturer's warranty. As soon as the manufacturer's warranty expires, is it better to extend it or purchase a home appliance warranty instead? Find the answers to your question in our article.
Many home warranty providers offer home systems plans that cover your air conditioner, heater, electrical systems, plumbing systems, ductwork and other major home systems. When you purchase a systems package, it is crucial to review the terms of your plan carefully to be sure that each of the items you want to protect is covered.
Similar to an appliance plan, a systems plan is usually purchased alone and does not include home appliances. For this reason, systems plans are another type of basic coverage.
Basic plans are one of the most affordable ways to obtain home protection coverage. Most basic plans start at $40, but entry-level coverage from some providers is as low as $25 per month
Complete Protection Packages/Combo Plans
A complete protection package is the most comprehensive plan you can buy for your home and are generally offered as a combo or total plan. Some companies even let you customize your plan to cover the specific appliances and systems you want to protect, like American Home Shield’s Build Your Own Plan. And, most companies give you the option of combining plans or adding on coverage for individual items as needed.
These packages cover basic appliances and systems, and will often include additional protection for:
- Heating systems
- Air conditioners
- Trash compactors
- Ice makers
- and, Septic systems
Each company differs in what is included in their combo packages. If you are looking for comprehensive coverage, a combo plan is definitely the way to go, but often customers end up paying for add-ons as well.
What Are The Home Buyer, Seller, And Owner Policies in OK?
Some providers offer plans for buyers, sellers, and property owners. A seller policy is usually transferable when you sell your home, and it provides protection while your home is on the market.
A buyer plan offers protection when you purchase a new home because it is not unheard of for major appliances and systems to break shortly after you move in or even before you close.
If you are in escrow, you should speak to your real estate agent about your home protection plan options. Most of the time, when you buy a new home, the seller will pay for your home warranty plan in closing.
Watch this video below for more advice on everything home warranties and real estate when it comes to home inspections.
How Important Are Home Warranty Reviews?
Home warranty reviews is a great way to gain insight from the experiences of real protection plan customers. It is important to keep in mind that many people do not write reviews unless they have a negative experience, though.
We highly recommend reading home warranty reviews to Oklahoma residents before they sign any contracts. This will help them to better understand the terms and conditions of the home warranty company of their choice, which in turn will help them avoid any mishaps—such as claim denials—in the future.
Also, when you are reading reviews, it is also essential to pay attention to comments from the company and resolutions to any complaints.
What Are The 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.
How To Complain About Home Warranty Companies - Read Our Research
In case you would like to learn more about home warranty regulations and how home warranty scams are handled, we have written a research article on this topic. Learn how to complain about a company misuse or abuse of a contract.
What Are The Top 5 Best Home Warranty Companies In Oklahoma?
Now that you know what to look for in a plan, you are probably wondering what companies are the best. So, we put together a list of the top five home warranty companies in Oklahoma with information about the plans, as well as the pros and cons of each provider.
1. American Home Shield
American Home Shield (AHS) is one of the most trusted companies in the industry. Many of its customers have been with the company for years because they trust that when something goes wrong, AHS will cover it.
You can purchase an appliance or systems plan for as little as $49.99 per month. Or, you can opt for a combo plan that includes protection for both. You also have the option of covering 10 of the appliances and home systems you want starting at $59.99 a month, and you can add additional items for as low as $2 a month.
- You can choose your own service call fee.
- Older appliances and home systems with previous repairs are covered.
- AHS has a vast network of qualified service technicians.
- The most affordable plans only cover appliances or home systems.
- AHS only guarantees repairs for 30 days.
- Service call wait times are longer than expected sometimes.
2. Select Home Warranty
Select Home Warranty is our second choice for Oklahoma property owners. Select does not have the extensive track record some of the other providers on our list have.
However, Select does have great plans starting at around $35 per month. The programs offered by Select Home Warranty include a Gold, Silver, and Platinum option. Each policy covers different appliances and systems, and the service fees are just $75 per request.
- You will not have to pay a fee when you transfer your plan to a new owner.
- Select has excellent home warranty offers to help you save on your plan.
- Cancellation is free within the first 30 days of your contract.
- After the first 30 days, there is a $75 cancellation fee.
- Plans automatically renew 30 days before your contract end date.
- The Select Home Warranty's service provider network is not as extensive as some larger companies.
3. Total Home Protection
Another excellent option for Oklahoma homeowners looking to purchase home warranty coverage is Total Home Protection. Total offers a Gold and Platinum plan, which both start at under $52 per month, and you have the option of adding on coverage for components not included in your plan.
Add-ons vary in price depending on the system or appliances you want to include. So, if you are interested in purchasing protection from Total Home Protection, you should use the free quote tool to get a better idea of the cost.
- Total Home Protection offers affordable plans and add-on options.
- You can cancel your policy fee-free for the first 30 days.
- Customer service is available 24/7 for emergencies.
- Older appliances with pre-existing problems may not be covered.
- There are replacement cost limits.
- Reservice for repairs may not be covered for free.
4. First American Home Warranty
First American Home Warranty is an industry veteran with more than 35 years of experience in the market. The Basic Plan offered by First American is one of the most affordable plans available to homeowners at just $28 per month.
Customers can also choose the Platinum Plan for just $42.50 per month, which covers most of your home's major appliances and systems. However, if you want coverage for your air conditioner, you have to add onHVAC system protection because neither of First American's plans includes it.
- First American Home Warranty has more than 35 years of industry experience.
- The Basic Plan is one of the most budget-friendly plans on the market.
- First American is one of the only home warranty companies with an A+ rating with the BBB.
- There are limited plans available.
- Neither plan includes coverage for HVAC systems.
- Policies automatically renew 30 days before your contract ends.
5. America's 1st Choice Home Club
America's 1st Choice Home Club is our final pick. The coverage plans are comprehensive, with rates ranging from $450 to $625 per year.
If you want the best protection for your home, you should opt for the Platinum Combo Plan, which includes coverage for plumbing stoppages, microwaves, air conditioning, ice makers, and all of the items typically covered in a basic plan.
- America's 1st Choice Home Club offers affordable coverage options.
- Claims are rarely denied on covered items.
- You can save $150 by paying for your policy annually.
- Plan options are limited.
- 24/7 customer service is not available for service requests.
- You only have one day to submit claims when an appliance or system breaks.
Do Home Warranties Have a Deductible?
Most homeowners are accustomed to their homeowner's insurance policy and the deductibles associated with these policies. Just like a homeowners insurance policy, the home warranties come with a deductible.
The amount of the deductible will vary depending on the type of plan that you choose. Essentially when your deductible is higher, your overall plan price will be lower. If you want to make sure that you owe very little out of pocket, should an issue occur, you will have to pay more for your plan. The great thing for homeowners is that there are options when it comes to the structuring of these plans.
The deductible factor should be considered when choosing the home warranty companies that work best for you.
Final Words About Home Warranty Companies In Oklahoma
As the state population grows, so does the need for a home warranty among Oklahoma homeowners. There are plenty of home warranty companies in Oklahoma that offer a variety of plans for any type of housing. Our home warranty reviews for Oklahoma residents cover the most essential aspects, including the company's reputation, plans and pricing, terms and conditions, and customer reviews.
In order to select the best home warranty plan, Oklahoma residents should keep in mind the type of climate they live in and how it may influence the operation of their home systems and appliances. The homeowners should keep in mind that even the best home warranty in Oklahoma will only cover the normal wear and tear, and will not cover any damages caused directly by natural forces.
In conclusion, for OK residents, we recommend American Home Shield. AHS offers four different plan options to choose from, including a Build Your Own Plan which is perfect for the OK homeowner that is seeking preference over what is covered.