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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.
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.
Liberty Home Guard
Best Customer Ratings
Response Time: 48 hours
State Availability: 50 states
Service Call Fee: $65–$125
Liberty Home Guard (LHG) offers three coverage plans, a 60-day workmanship guarantee, and more than 30 add-ons. LHG also provides accessible customer service via its live-chat feature on its website.
Why We Chose Liberty Home Guard
Liberty Home Guard earned 4.5 out of 5 stars in our rating system. Ithas the best customer ratings of any home warranty provider on this list, holding anA rating* with the BBB and 4.7 out of 5 stars on Google Reviews. We recommend LHG for homeowners with specific coverage needs, as it offers an extensive list of add-ons ranging from pool coverage to water softeners.
Our team spoke with multiple customer representatives to learn how well LHG handles customer inquiries. Based on our experiences, we believe it holds up to its stellar ratings, with each representative picking up the phone quickly and answering all our questions thoroughly.
Pros and Cons
ProsExtends a 60-day workmanship guaranteeOffers 38 unique optional add-ons, including pest control and gutter cleaningProvides a live-chat customer service featureConsDoesn't allow plan price or service call fee customizationCovers high-end appliances only with add-on purchaseLacks transparency about services fees during the quote process
Plans and Pricing
Liberty Home Guard offers three service plan options: Appliance Guard, Systems Guard, and Total Home Guard. Unlike providers with flexible service call fees, LHG assigns a service call fee to your account based on your plan, add-on selections, and location. According to the representative we spoke with, service fees range from $65 to $125. All LHG’s covered items are subject to a $2,000 coverage cap and a 60-day workmanship guarantee.
Below are the monthly prices for LHG plans. Expect to pay between $600 and $720 annually. Per our research, LHG offers two additional months of coverage if you sign up for an annual plan. LHG allows you to pull a quote over the phone or online.
Here are details on LHG’s plans and optional add-on coverage:
Appliance Guard ($49.99 per month): Covers appliances, such as dishwashers, clothes washers, and dryers
Systems Guard ($54.99 per month): Covers built-in systems, such as air conditioning, heating, ductwork, and water heater
Total Home Guard ($59.99 per month): Covers all the items in the Appliance Guard and Systems Guard plans
Optional add-ons: Up to 38 options, including pest control, re-key service, gutter cleaning, floor cleaning, and generator coverage. When we pulled our quote, we were informed that pest control coverage costs an extra $15 monthly.
Pulling a quote from Liberty Home Guard is straightforward. First, you fill out basic personal information such as your name, phone number, and email. Then, you input your home’s address, type, and whether it is larger or smaller than 5,000 square feet. LHG will then display your home’s customized monthly premium.
Liberty Home Guard offers solid coverage for the price. Its $2,000 coverage cap applies to all covered items except electrical and plumbing systems. In addition, it offers the most add-on coverage options compared to other providers. This makes LHG a great choice if you have unique items that need coverage.
Note that LHG doesn’t allow you to choose your service provider since it works with its network of technicians. However, if LHG can’t source a technician from its network near you, it allows you to source your own.
In reading customer reviews, we found that consumers’ experiences aligned with ours when contacting LHG’s customer service. Many reviewers noted the helpfulness of representatives and how quickly they resolved issues. We experienced this responsiveness each time we called or used its live-chat feature.
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:
Casita guest unit
Freestanding ice maker
In-fridge ice maker
Instant hot water dispenser
Lawn sprinkler system
Limited roof leak
Pool and spa
Pro-series clothes dryer
Pro-series dishwasher coverage
Pro-series range/oven/cooktop coverage
Pro-series refrigerator coverage
Pro-series washing machines
Reverse osmosis water filter system
Septic system pumping
Water dispenser water line
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.
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.
Select Home Warrantyprovides affordable coverage plans for those who need basic coverage. It offers appliance-only, systems-only, and combination plans. In addition, Select offers a service call fee under $80 per claim.
Why We Chose Select Home Warranty
Select Home Warranty scored 4.3 out of 5 stars in our review standards. It’s an affordable home warranty with all plans costing less than $50 per month. Select stands out by offering roof-leak repair coverage in each protection plan. Home warranty companies don’t typically offer roof-leak coverage without an additional fee.
Pros and Cons
ProsOffers annual premium discounts on multiyear coverage plansIncludes a generous $3,000 coverage limit for HVAC systemsCovers additional refrigeration and stand-alone freezersConsExcludes coverage for tankless water heatersOffers lower coverage caps than many competitorsCharges multiple service fees if there are multiple claims at the same time
Plans and Pricing
Select Home Warranty offers three plan options: Bronze Care, Gold Care, and Platinum Care. Select charges a $60–$75 service call fee per claim. Our team discovered via secret shopping that Select offers its lower service call fee as an over-the-phone deal only. After reviewing Select’s sample contract, we found it covers HVAC systems up to $3,000. However, Select limits other covered systems, such as plumbing and electrical, plus appliances, to a $500 coverage cap. Select’s plans include a 30-day workmanship guarantee.
Select Home Warranty offers monthly and annual premium options. Expect to pay between $533 and $573 annually. According to the quote we pulled, Select offers up to $150 off and two additional months of coverage if you choose an annual premium. It lets you pull a quote by calling or using its online tool.
Here are more details about Select Home Warranty’s plans:
Bronze Care ($44.42 per month): Covers appliances, such as clothes washers and dryers, garbage disposals, refrigerators, and cooktops
Gold Care ($44.42 per month): Covers systems, such as air conditioning, heating, plumbing, electrical systems, water heaters, and ductwork
Platinum Care ($47.75 per month): Covers all the appliances and built-in systems in the Bronze and Gold Care plans, plus garage door openers and ceiling fans
Optional add-ons: Central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. Select Home Warranty also offers low prices for its add-ons. For example, it charges less than $4 monthly for central vacuum coverage.
Select’s quote tool works similarly to other providers in this article. It first asks for your ZIP code. Then, it asks for your name, phone number, and email. It doesn’t, however, ask for your property’s address. This helps streamline the quote process.
Select is worth considering for homeowners who need basic home protection. Its coverage caps for essential systems and appliances are much lower than other providers, making it difficult to recommend from a coverage standpoint. However, it offers some of the most affordable fees, and it lets you choose your service provider as long you obtain Select’s approval first.
We also discovered that Select prefers to communicate strictly over the phone for claims and plan issues. Several customers on third-party consumer review sites, such as the BBB and Trustpilot, note that Select’s customer service department is difficult to get ahold of. Therefore, we recommend carefully considering your needs and budget before signing up for Select Home Warranty.
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:
Lawn sprinkler system
Roof-leak repair coverage
Below are the monthly premiums Select offers per coverage plan:
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.
America’s First Choice Home Club (AFC Home Club) made it onto our list thanks to its customization options for add-ons and its four distinct plans. In addition, AFC Home Club offers service call fee flexibility, which can raise or lower your monthly premium.
Why We Chose AFC Home Club
AFC Home Club earned a 4.6 out of 5-star rating in our review standards.Along with its flexible service call fee model, the variety of plans offered by AFC Home Club is ideal for homeowners who want a personalized home warranty package and pricing. AFC Home Club also offers a lengthy workmanship guarantee and additional membership perks. Other providers don’t include membership perks within their plans.
Pros and Cons
ProsAdds security perks, including identity protection, credit monitoring, and Emergency Alert Network serviceGuarantees parts and labor for the life of your membershipPairs appliances with a $3,000 coverage capConsRequires claims be submitted immediately after noticing a system or appliance problemCharges $75 for canceling after the first 30 days of their plan
Plans and Pricing
AFC Home Club offers a portfolio of four plan options: a Platinum Plan, a Gold Plan, a Silver Plan, and a Systems Plan. AFC Home Club allows you to choose a $75, $100, or $125 service call fee. The lower service call fee raises your monthly premium and vice versa.
Our team called AFC Home Club to ask about its coverage caps. A representative stated that HVAC systems, such as heating and air conditioning, have an unlimited coverage cap, except for thermostats. It limits thermostats to $80.
The representative added that AFC Home Club covers up to $3,000 for appliances. However, the fine print states that the company only pays up to an item’s depreciated value if it’s older than five years. It covers all repairs and replacements with a plan-length workmanship guarantee.
AFC Home Club offers annual premiums alongside monthly premiums. Expect to pay between $398 and $630 annually for AFC Home Club coverage. The company includes a $50 annual discount if you choose a yearly payment plan. You can pull a quote using its online tool or call a sales representative.
Here are details on each plan offered by AFC Home Club:
Silver Plan ($38.00–$42.83 per month): Covers appliances, such as clothes washer, clothes dryer, garbage disposal, and dishwasher
Systems Plan ($45.25–$50.08 per month): Covers systems, such as air conditioning, heating, water heaters, and plumbing
Gold Plan ($52.50–$57.33 per month): Covers both appliances and systems, such as electrical, ductwork, oven, range, plumbing stoppages, and garage door openers
Platinum Plan ($57.33–$62.17 per month): Covers all items and systems included with the Gold Plan, plus a built-in microwave and ice maker
Optional add-ons: Double oven, electronic coverage, hot water dispenser, sump pump, septic system, central vacuum, pool, spa, stand-alone freezer, and roof-leak repair. Based on the quote we pulled, in-ground pool coverage costs $9 per month.
AFC Home Club provides an easy-to-use quote tool. Where it differs from most providers, however, is its cost page. Unlike other providers, AFC Home Club requires clicking on each plan to select your desired service call fee. If you wish to compare the prices of the other plans, you must click on the “Back To Plans” button. Although obtaining a quote is straightforward, comparing plan prices isn’t as efficient as other providers.
We consider AFC Home Club’s unlimited workmanship guarantee its best feature. The peace of mind it provides makes it a solid choice for those with older appliances or systems in their homes. Additionally, AFC Home Club is one of the few providers that allows you to choose your contractor. However, its mixed coverage limits for home systems lower its value from a coverage standpoint.
Our team read dozens of customer reviews to understand how AFC Home Club handles customer service. We found mixed reviews. Several customers appreciated AFC Home Club’s speedy claims processing. Others disliked the depreciation valuation AFC places on covered items.
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:
Hot water dispenser
Tankless water heater
Here is a pricing breakdown for AFC Home Club monthly coverage:
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.
First American Home Warrantyoffers comprehensive coverage for both appliances and systems. The company also offers a suite of add-ons plus a plan upgrade that covers miscellaneous fees home warranties typically don’t cover.
Why We Chose First American Home Warranty
We rated First American Home Warranty 4.6 out of 5 stars in our review standards. If you own high-end appliances, First American is a solid choice due to its high appliance coverage caps. After reading its sample contract, we found First American pairs each appliance with a $3,500 limit in the Starter and Essential plans, which is higher than other providers. Its Essential and Premium plans offer the First American Advantage upgrade, which protects systems and improperly maintained, modified, or installed appliances—a rarity in the home warranty business.
Pros and Cons
ProsProvides unlimited coverage caps on heating, cooling, and ductworkCovers up to $1,000 in limited roof-leak repairOffers customers access to appliance discountsConsCovers air conditioning only as an add-on in the Starter PlanLimits service to 33 states, which is considerably fewer than many other providers
Plans and Pricing
First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. First American offers customers the choice of a $75, $100, or $125 service call fee. The coverage limit for appliances is set at $3,500 per item in its Starter and Essential plans, and its Premium Plan increases appliance limits to $7,000 per covered appliance. Upon speaking with a representative, we discovered the company doesn’t outline hard limits for built-in systems coverage except for water heaters. First American covers all repairs for 30 days.
First American Home Warranty also offers an annual premium. Annual plan costs range from $540 to $1,040. Unlike other providers that offer annual premiums, First American doesn’t include extra months of coverage or a discount if you choose an annual premium. First American provides an online quote tool or a sales phone line to pull a free quote.
Here are more details about First American’s plan coverage:
Starter Plan ($47–$62 per month): Covers built-in microwaves, dishwashers, ductwork, electrical system, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms
Essential Plan ($57–$72 per month): Includes everything in the Starter Plan plus air conditioning, ceiling/attic/exhaust fans, clothes washers, clothes dryers, First American Advantage upgrade, garage door openers, trash compactors, and water heaters
Premium Plan ($72–$87 per month): Covers all items in the Essential Plan plus full garage door systems, instant hot water dispensers, luxury appliances,shower heads and arms, and window air conditioning units
Optional add-ons: Additional refrigeration, air conditioning for Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps. First American offers limited roof-leak coverage for less than $9 per month.
First American’s online quote tool requires you to enter personal information, such as your name, phone number, email, and home address. You must also enter your home’s type and the estimated square footage. Once you do, it generates your monthly quote. Although there is extra information you must fill out, we found it simple to adjust our premium based on our chosen service call fee. It also conveniently displays each plan’s coverage options below the price figures.
First American’s sizeable coverage limits make it a great choice for those who want total home protection. However, it excludes air conditioning coverage from its entry-level Starter plan. You must pay extra to obtain air conditioning coverage. Other providers include it within their basic plans.
First American handles claims by sending in-network service contractors to fix your issues. It allows you to use your own if an in-network provider isn’t available near you. One of our team members purchased a plan to test the claims process. He filed a claim for his garage door opener on a Friday and reported First American sent a service technician the following Monday. The technician arrived at our team member’s home on Monday and fixed his issue in less than 30 minutes. All he paid was his service call fee.
Our team read dozens of customer reviews. Similar to other home warranty providers, First American holds mixed reviews. A positive theme was how simple it is to file claims. A negative theme involved delays in fulfilling service requests.
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:
Central air conditioning (Starter Plan only)
Septic tank pumping/system
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.
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.”
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.
Most plans don’t cover appliances or systems with preexisting conditions—the item has to have been properly cared for to receive protection. However, First American Home Warranty and American Home Shield are exceptions. If an item was improperly installed or maintained, it can still be protected with the First Class Upgrade under a First American plan.
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.
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.