A home warranty is an ideal investment for Oklahoma residents. Whether you live in Oklahoma City, Tulsa, or elsewhere, a home warranty can protect important systems and appliances, such as well pumps, air conditioners, and refrigerators, when they break down due to normal wear and tear.
We did the research for you and compared the best home warranty companies in Oklahoma. Keep reading our review for our recommended picks and tips to help you find the best home warranty for your home.
Oklahoma’s Top 5 Home Warranty Companies
The highest rated home warranty companies in Oklahoma include:
- American Home Shield: Best Coverage Caps
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
- America’s First Choice Home Club: Best for Customization
- First American Home Warranty: Best Appliance Coverage
To give you an idea of what the top Oklahoma home warranty companies have to offer, we included information on plans, add-on options, prices, benefits, and more.
Summary of the Best Home Warranty Companies in Oklahoma
Liberty Home Guard
Liberty Home Guard (LHG) is one of our top picks for Oklahoma homeowners due to its responsive customer service team, which you can access through a 24/7 live-chat feature built into its website. LHG also offers comprehensive policies with a $2,000 coverage limit per item, a 60-day workmanship guarantee, and long list of add-on options.
Plans and Pricing
Liberty Home Guard offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers major appliances, such as your built-in microwave, dishwasher, and garbage disposal. Systems Guard covers built-in systems, including your ductwork, plumbing systems, and air conditioning. Total Home Guard combines the coverage of both the Appliance Guard and Systems Guard into one comprehensive home protection plan.
Liberty Home Guard offers an impressive suite of add-on coverage options:
- Additional spa
- Carpet cleaning
- Casita guest unit
- Central vacuum
- Ejector pump
- Electronics protection
- Freestanding ice maker
- Generator
- Grinder pump
- Gutter cleaning
- In-fridge ice maker
- Instant hot water dispenser
- Lawn sprinkler system
- Lighting fixtures
- Limited roof leak
- Pest control
- Plumbing fixtures
- Pool and spa
- Pro-series clothes dryer
- Pro-series dishwasher coverage
- Pro-series microwave
- Pro-series range/oven/cooktop coverage
- Pro-series refrigerator coverage
- Pro-series washing machines
- Re-key services
- Reverse osmosis water filter system
- Saltwater pool
- Second refrigerator
- Septic system pumping
- Stand-alone freezer
- Sump pump
- Swamp cooler
- Trash compactor
- Water dispenser water line
- Water softener
- Well pump
- Window washing/cleaning
- Wine cooler/fridge
Here is a breakdown of Liberty Home Guard’s monthly premium per plan:
- Appliance Guard: $49.99
- Systems Guard: $54.99
- Total Home Guard: $59.99
The company assigns a service call fee to your account based on your location, plan selection, and add-ons. According to a representative, this fee will always fall between $65 and $125.
To request a free quote, use Liberty Home Guard’s simple tool or call 866-452-9107.
Learn more: Liberty Home Guard Review
Select Home Warranty
Select Home Warranty is our final recommendation for Oklahoma homeowners who value solid HVAC system coverage at a budget-friendly price. It provides a $3,000 coverage cap for air conditioning and heating systems, a low service call fee range of $60 to $75, and plans under $50 per month. In addition, Select also includes roof-leak repair coverage in each plan it offers.
Plans and Pricing
Select offers three coverage plans for your home’s systems and appliances via its Bronze Care, Gold Care, or Platinum Care plan. The Bronze Care plan covers home appliances, such as refrigerators and stovetops. The Gold Care plan covers major systems, including plumbing, electrical and water heaters. The Platinum Care plan covers all items listed in the Bronze Care and Gold Care plans, plus plumbing stoppages and garage-door openers coverage. Typically you’ll pay a $75 service call fee, but a Select representative told our team that you can get a $60 service call fee on your contract if you sign up by phone.
Select offers the following add-on coverage options:
- Central vacuum
- Lawn sprinkler system
- Pool
- Roof-leak repair coverage
- Septic system
- Spa
- Stand-alone freezer
- Sump pump
- Well pump
Below are the monthly premiums Select offers per coverage plan:
- Bronze Care: $44.42
- Gold Care: $44.42
- Platinum Care: $47.75
Fill out Select Home Warranty’s quote form or call 888-370-3956.
Learn more: Select Home Warranty Review
America’s First Choice Home Club
America’s First Choice Home Club (AFC Home Club) provides customizable coverage for homeowners who value plan and service call fee flexibility. AFC Home Club offers four protection plans and three service call fees. Additionally, it allows you to choose your own service provider for any repair, which most home warranty providers allow only under certain circumstances. It also provides an unlimited workmanship guarantee per covered repair.
Plans and Pricing
AFC Home Club offers four coverage plans: Silver, Systems, Gold, and Platinum plans. The Silver Plan includes coverage for major appliances such as garage-door openers, clothes washers, and clothes dryers. Each appliance is paired with a $3,000 coverage cap. The Systems Plan covers home systems, such as air conditioning and water heaters. Home system coverage caps vary per system. The Gold Plan includes coverage for all items in the Silver and System plans, and the Platinum Plan adds additional coverage for plumbing stoppages, exhaust fans, and more.
AFC Home Club provides various add-on coverage options:
- Built-in microwave
- Central vacuum
- Double oven
- Electronic coverage
- Hot water dispenser
- Ice maker
- In-ground pool
- Septic system
- Stand-alone freezer
- Sump pump
- Tankless water heater
- Well pump
Here is a pricing breakdown for AFC Home Club monthly coverage:
- Silver: $38.00–$42.83
- Systems: $45.25–$50.08
- Gold: $52.50–$57.33
- Platinum: $57.33–$62.17
To request your free quote, fill out AFC Home Club’s quote form or call 877-755-1115.
Learn more: AFC Home Club Review
First American Home Warranty
First American Home Warranty (FAHW) is known for its 24/7 customer service and comprehensive home appliance and systems coverage. It pairs a generous coverage cap of $3,500 per covered kitchen appliance in its Starter and Essential plans. In addition, First American provides an unlimited coverage cap for certain home systems, such as electrical systems and heating.
Plans and Pricing
First American offers three plans: a Starter Plan, Essential Plan, and a Premier Plan. The Starter and Essential Plan protect a variety of essential systems and appliances. The Premium Plan adds an increased coverage cap of $7,000 per covered appliance and additional coverage options. A downside to a First American plan is that you don’t get protection for air conditioning in its Starter Plan unless you pay for an add-on.
You can add coverage for the following items:
- Additional refrigeration
- Central air conditioning (Starter Plan only)
- HVAC tune-up
- Limited roof-leak
- Pool/spa equipment
- Septic tank pumping/system
- Water softener
- Well pump
Here are the monthly premiums you can expect to pay for First American Home Warranty coverage:
- Starter Plan: $57.00–$72.00
- Essential Plan: $67.00–$82.00
- Premium Plan: $77.00–$92.00
The company’s service call fees range from $75 to $125. It charges a service call fee every time a service contractor addresses a claim.
Learn more: First American Home Warranty Review
How Are Home Warranties Regulated in Oklahoma?
Our research shows that Oklahoma’s Insurance Department (OID) doesn’t consider home warranties as insurance. That said, the state’s insurance commissioner enforces regulatory practices on service contracts. Home warranties generally fall under the service contract umbrella. Oklahoma statute title 15 outlines service contract companies’ requirements, such as providing consumers with a copy of the contract terms within a reasonable time frame.
The OID also allows consumers to file a complaint in case of a dispute with their home warranty company. The OID reviews your complaint and requests a resolution with your provider directly.
How Much Does a Home Warranty Cost in Oklahoma?
Based on the quotes we pulled for each recommended provider in this article, the average Oklahoma home warranty costs $57 monthly or $684 annually. Due to the high number of home warranty companies, coverage plan costs can vary widely. For example, companies that offer generous coverage caps charge more per month.
The area in Oklahoma where you live, plus the size of your home, also affects the price of a home warranty plan. Counties at a higher risk of experiencing a natural disaster, such as Tulsa County, are a bigger liability, even for home warranty companies. Companies offset their higher risk by charging higher premiums.
What Do Home Warranties Cover?
Home warranties cover major systems and appliances, such as your plumbing, electrical, air conditioning, heating, water heater, refrigerator, clothes washer, and dryer. Basic coverage will protect some of your appliances and systems, while comprehensive coverage will give you protection for all major home items. Most companies will also provide optional coverage for items such as pools and septic systems.
Is an Oklahoma Home Warranty Worth It?
An Oklahoma home warranty can be a wise purchase, depending on your budget and coverage needs. A home warranty can reduce your financial burden if you own an older home with aged appliances or lack the funds to cover an unexpected system breakdown.
For example, say your furnace breaks down and needs replacement. Our research shows that the average furnace replacement cost ranges from $2,572 to $6,221. These figures include the cost of the furnace plus installation costs. Home warranties are a more manageable option if you can’t afford a lump sum for a breakdown, since you only pay a monthly premium and a service fee when you request service.
Expert Takes on Home Warranties
Our team conducted interviews with experts on the subject of home warranties. We asked them common questions about home warranties. Here is what they had to say:
- Do Oklahoma home warranties provide reimbursement options? According to Kurt Walker, a Mill City Home Buyers real estate expert, some home warranty companies offer a cash payout instead of a repair or replacement service. He adds, “You must be aware that the cash payout might not cover the cost of replacement.”
- What should I verify before signing up for an Oklahoma home warranty? Danny Margagliano, a Realtor associated with World Impact Real Estate, suggests verifying whether a home warranty company offers multiple plans. “Depending on the age of your home appliances, the cheapest plan may be good,” he says. “A more expensive plan that covers more parts of the home may be a better choice for someone else.”
- When can I file a claim with my Oklahoma home warranty? Chuck Vander Stelt, who is a Quadwalls Realtor, says there is a period during which a home warranty doesn’t accept claims. “If you already own the home you’re getting a home warranty for, there is typically a 30- to 90-day blackout period where you can’t make claims.”
Our Conclusion
American Home Shield is our top pick for those who want total home and guest unit coverage. Liberty Home Guard is another great option for homeowners who want the flexibility to choose from a long list of add-on options. First American Home Warranty is our final recommendation due to its customizable and comprehensive plans for Oklahoma residents. Because plan pricing will depend on where you live, the plan you choose, and the size of your home, we recommend getting free quotes from all three companies and comparing costs before buying a home warranty.
Frequently Asked Questions
How Do I Find the Best Home Warranty Company in My Area?
Find in-depth reviews on the best home warranty companies for each state and major U.S. city below.
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.