5 Best Home Warranty Companies in Oklahoma (2024)
We chose Liberty Home Guard and American Home Shield as the best home warranty companies in Oklahoma. Our guide explains why and offers other top picks.
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Oklahoma homeowners face various challenges throughout the year due to humid summers and frigid winters. Your heating and cooling systems’ efficiency decreases over time, and they may eventually stop working altogether. Investing in a home warranty helps you avoid the stress of unexpected repair costs when your home appliances and systems fail from regular use.
We researched and rated 13 top home warranty companies to find the best options for Oklahoma residents. We recommend American Home Shield due to its comprehensive appliance and system coverage. Liberty Home Guard is another solid choice for its unique protection that includes a catalog of 42 add-on options.
We’ve compared providers and rated each company based on over 70 factors. Read our full list of the best home warranty companies in Oklahoma to determine which is right for your home.
Key Takeaways
- The best home warranty companies in Oklahoma are American Home Shield and Liberty Home Guard, based on our research of 13 home warranty providers.
- An Oklahoma home warranty costs $659 annually on average, or $46-$65 per month, depending on your provider and coverage.
- Our home warranty survey revealed that 92.7% of policyholders were satisfied with their home warranty plan, while less than 1% were dissatisfied.
Did You Know?
- In the last 30 days, more than 2,500 people bought home warranties from the above providers. Liberty Home Guard is our most popular provider, with 55% of buyers choosing to cover their homes with an LHG plan.
What Are Top Home Warranty Companies in Oklahoma?
After analyzing 13 home warranty providers, we recommend the following five home warranty companies for Oklahoma residents.
- Best for Comprehensive Coverage: American Home Shield
- Best Customer Support: Liberty Home Guard
- Best for High-End Items: First American Home Warranty
- Best for Customized Coverage: Elite Home Warranty
- Best Budget Plan: Select Home Warranty
Compare Home Warranty Companies
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| #1 out of 15 companies | #2 out of 15 companies | #3 out of 15 companies | #4 out of 15 companies | #5 out of 15 companies | |
| NR | B | B- | B+ | B | |
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Monthly Cost |
$49–$59 | $49–$109 | $44–$47 | $44–$59 | $47–$87 |
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Service Fees |
$65–$125 | $100–$125 | $60–$75 | $70 | $75–$125 |
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Customer Support Options |
Email, Phone, Online Chat, Online Portal | Phone, Online Portal | Email, Phone, Online Portal | Email, Phone, Online Portal | Phone, Online Portal |
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Response Time |
Up to 48 hours | Up to 48 hours | 48-84 hours | Up to 48 hours | 4–48 hours |
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Cons |
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Summary |
We recommend Liberty Home Guard for homeowners who need coverage for multiple HVAC systems and extensive add-on customizations. |
We recommend American Home Shield for homeowners who need comprehensive coverage for older homes. |
We recommend Select Home Warranty for homeowners who need affordable HVAC-only coverage. |
We recommend Elite Home Warranty for homeowners who want fully customizable plans and extensive add-on coverage options. |
We recommend First American Home Warranty for homeowners who need robust plan options for HVAC and high-end appliances. |
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Promotions |
$200 Off + 2 Months Free + Roof Leak Protection | $150 off any plan | Cyber Monday: 40% Off Home Warranty Plans | $150 Off + 1 Month Free. 30-Day Free Trial | $100 Off with Code “PROTECT” |
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Rating Categories |
Liberty Home Guard | American Home Shield | Select Home Warranty | Elite Home Warranty | First American Home Warranty |
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Coverage |
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Value |
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Trustworthiness |
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Plan Transparency |
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Flexibility |
Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,203-square-foot, single-family home in Tulsa, Oklahoma. Your pricing may vary depending on your home’s location, size, type, and plan selections.
Is a Home Warranty Worth It in in Oklahoma?
If you own an older home with aged appliances or lack the funds to cover an unexpected system breakdown, buying an Oklahoma home warranty can be wise. Home warranties are a more manageable option if you can’t afford to pay a big lump sum to repair a breakdown, as they only require paying a monthly premium and a service fee when you request service. Emergency home repairs can cost hundreds or thousands of dollars. Home warranties reduce repair and replacement costs and get your home back to normal quickly.
- Nearly half of Oklahoma homes were built before 1981, according to the Victoria Advocate. A home warranty can help reduce repair costs for older appliances and systems.
Our research shows these are the top five repairs needed for home appliances and systems in Oklahoma.
Air Conditioning
Losing your air conditioning during a humid Oklahoma summer is not a fun experience. The rising indoor temperatures make it difficult to function in your day-to-day life. Even a malfunctioning air conditioner can cause major issues, especially if the temperature controls are on the fritz. This can lead to poor temperature control and rising energy costs. Air conditioning repair costs range from $100–$650 for minor issues. However, full replacements can skyrocket up to $15,000 and higher.
Gas Furnaces
A malfunctioning gas furnace can leave your home unprotected during the frigid Oklahoma winters, exposing you to unpleasant temperatures and major health risks. A broken gas furnace can also leak toxins and dangerous fumes into the air. Simple gas furnace repairs typically stay under $150. However, if your furnace is beyond repair, you can expect a $5,000–$13,000 bill for furnace replacement.
Plumbing Leaks
Plumbing leaks can start as a minor annoyance but escalate to major damages. Untreated plumbing leaks lead to water damage to surrounding walls, cabinets, and floors. Wet surfaces eventually start growing mold and mildew, posing health risks for your family. Minor plumbing repairs cost $150–$450, but new plumbing can cost $5,000 or more.
Roof Leaks
Exposure to extreme temperatures and weather events can wear down your roof over time and cause minor water damage to your attic, ceiling, and walls. Considering Oklahoma receives 39 inches of rain annually, even a minor leak can become an issue. Untreated leaks that grow in size cause significant water damage, mold and mildew, and serious structural damage. The cost of minor repairs to your roof typically ranges from $150–$1,000. Major roof repairs or replacements have significantly higher costs, averaging between $3,800 and $10,000.
Sewer Lines
A backed-up sewer line can expose you and your family to health risks and cause overflows, water damage, and waste spillage. Serious back-ups can shut off your working plumbing system, leaving you to spend hundreds on emergency plumbing services. Minor sewer line issues cost between $50 and $200 per linear foot. More serious damage can lead to complete sewer line replacement, costing $5,000–$25,000.
How Much Does a Home Warranty Cost in Oklahoma?
The average Oklahoma home warranty costs $55 monthly, or $546-$780 annually, based on the quotes we pulled for each recommended provider in this article. 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. You can opt for a cheaper home warranty company, but you might have to settle for lower coverage caps.
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.
We recommend requesting quotes from multiple companies to find the best fit for your coverage needs and budget.
What Does an Oklahoma Home Warranty 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 plans protect some of your appliances and systems, while comprehensive coverage protects all major home items. Most companies also provide optional coverage for pools and septic systems.
As you evaluate Oklahoma home warranty plans, consider the following standard coverages, exclusions, and optional add-ons.
Common Inclusions
Most home warranties include these major appliances and systems in their standard coverage:
- Air conditioning systems
- Built-in microwaves
- Clothes dryers
- Clothes washers
- Cooktops
- Dishwashers
- Ductwork
- Electrical systems
- Exhaust fans
- Garbage disposals
- Heating systems
- Ovens
- Plumbing systems
- Ranges
- Refrigerators
- Stoves
- Water heaters
Common Exclusions
Home warranties have some limitations to their coverage and typically won’t cover items with preexisting conditions or physical damage. We’ve provided a full list of common exclusions below:
- Cosmetic issues that don't impact an item’s functionality
- Issues that occur during your waiting period
- Preexisting conditions
- Damage caused by improper installation
- Issues that occur due to a lack of regular maintenance
- Physical damage, including rust, corrosion, or sediment
Home warranties don’t cover items damaged by natural disasters, such as tornadoes or other serious events. Invest in homeowners insurance for added protection in these circumstances. Home warranties and homeowners insurance offer better whole-home protection and peace of mind.
Common Add-Ons
Many providers offer add-on insurance to supplement your base coverage and provide protection for nonessential items.
- HVAC maintenance
- Electronics protection
- Pest control services
- Pools
- Professional and high-end appliances
- Roof leaks
- Secondary appliances
- Septic tank and pumping
- Spas
- Sump pumps
- Well pumps
Our Home Warranty Research Process
We selected the top Oklahoma home warranty companies after researching and identifying common pain points homeowners experienced. We consulted various industry experts, including real estate agents, home buyers, and repair technicians. We spoke to company representatives about their services, obtained sample quotes, and reviewed the terms and conditions outlined in sample contracts. During secret shopping, we tested several claim processes firsthand and gained insight into the customer experience.
We then scored each Oklahoma provider against our detailed methodology in four categories: coverage, value, trust and transparency, and availability and service. In our evaluation process, we considered the common appliance and system issues Oklahoma homeowners faced. We checked coverage for key items offered through base plans or add-on options, including HVAC and roof-leak protection. We weighed premium costs against the provided coverage, analyzed third-party customer reviews, and considered claims processing time lines. We then awarded points for each category and converted scores to a final 5-star rating scale.
Our Home Warranty Experts
We consulted more than 15 experts to gain insights about the home warranty industry and customer needs. Two of these experts provided insights for this article.
- Chuck Vander Stelt: Stelt is a real estate agent with Quadwalls.
- Danny Margagliano: Margagliano works as a realtor at World Impact Real Estate.
Oklahoma Home Warranty Reviews
Below are our detailed reviews of the top Oklahoma home warranty providers.
American Home Shield
Best for Comprehensive Coverage
Liberty Home Guard
Best Customer Support
First American Home Warranty
Best for High-End Items
Elite Home Warranty
Best for Customized Coverage
Select Home Warranty
Best Budget Plan
Which Home Warranty Companies Didn’t Make Our List?
While researching top Oklahoma home warranty providers, we removed some companies that fell short regarding plan selection, coverage, and availability. While the following reputable home warranty providers did not make our final list, they could be solid options for Oklahoma homeowners with specific coverage requirements.
ARW
ARW Home collaborates with multiple underwriters, including Asurian, ADT, and Home Depot. Because these companies vary in coverage and availability, their coverage limits are inconsistent in different areas. ARW Home does not provide roof-leak coverage, and its add-on options are limited to four offerings. However, the company offers affordable service fees ranging from $55–$100. ARW Home could be a low-cost alternative if you need more system-focused protection.
HomeServe
HomeServe offers 17 coverage plans focused solely on system protection with no add-on options. Plans and exclusions vary based on location, each providing different coverage caps per system. The company does waive service call fees for most of its plans and includes a plan-length workmanship guarantee. HomeServe works best for homeowners needing coverage for one or two essential systems.
How To Choose a Home Warranty in Oklahoma
Follow these steps when obtaining a home warranty plan in Oklahoma to make your shopping experience easier and more successful.
- Determine your coverage needs: Assess your home systems and appliances and prioritize the ones that need coverage. If you need only system coverage, consider a system-only plan. A comprehensive plan offers better coverage for a mix of systems and appliances. Margagliano also suggests considering your appliances’ age since a cheaper plan might work if they’re relatively new. Older items need higher coverage limits for more frequent repairs and replacements.
- Gather multiple quotes: We recommend obtaining quotes from at least three companies to find the best deals and coverage. Check online or through customer support for seasonal discounts or promotions to help lower your costs.
- Review sample contracts: Review each sample contract to confirm the inclusions, exclusions, and available add-ons. Vander Stelt recommends verifying your waiting period. “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,” he says. Also, verify service availability and technician policies, including local contractors’ availability in your area.
- Learn the claims process: Check details for each company’s steps to file a claim and understand the process. Verify the time line for dispatching a service technician to your home after processing your claim. Ask about any policies for emergency claims or claims submitted outside of regular business hours. Certain companies charge added or increased fees during these situations.
- Read customer reviews and check reputation: Read positive and negative reviews from third-party review sites. Check for frequent mentions of denied claims, inadequate customer service, low payouts, or deceptive business practices. If you have any remaining concerns or questions, contact each company's sales department.
How Are Home Warranties Regulated in Oklahoma?
The Oklahoma 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.
Other Resources for Residents in Oklahoma
FAQs About Home Warranties in Oklahoma
What is the main difference between a home warranty and homeowners insurance in Oklahoma?
The main difference between an Oklahoma home warranty and homeowners insurance is the type of coverage. A home warranty covers appliances and systems that fail due to normal wear and tear. Homeowners insurance protects your home and the items within it when natural disasters, fires, or major accidents damage them. We recommend buying both a home warranty with homeowners insurance for complete home protection.
Does an Oklahoma home warranty cover roof leaks?
Yes, most Oklahoma home warranties include roof-leak coverage with their plans. Roof-leak coverage is typically available as an add-on, resulting in additional monthly fees. However, select companies include this protection with their standard plans. We recommend reviewing the company’s sample contract to verify its coverage.
Are appliances typically covered under an Oklahoma home warranty plan?
Yes, most Oklahoma home warranties offer appliance-only plans or include coverage with system protections under comprehensive plans. Other coverage may include protection for luxury and secondary appliances under higher plan tiers or as add-on options.
Do Oklahoma home warranty companies cover preexisting conditions?
Most home warranty plans don’t cover appliances or systems with preexisting conditions; the item has to have been properly cared for to receive protection. However, select companies offer protection for preexisting conditions, including physical damage, within their basic coverage or as an add-on or upgrade.
Our Methodology
We back 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, cost, trustworthiness, plan transparency, customer support, and flexibility to arrive at a final score on a 5-point rating scale.
To share feedback or ask a question about this article, send a note to our team at reviews@thisoldhousereviews.com.
