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:

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

Best For Monthly Cost Service Fee Response Time BBB Rating Link
American Home Shield American Home Shield Best for Comprehensive Coverage $64–$74 $100–$125 Up to 48 hours B VISIT SITE
Liberty Home Guard Liberty Home Guard Best Customer Ratings $49–$60 $65–$125 Up to 48 hours A VISIT SITE
Select Home Warranty Select Home Warranty Best Value $44–$48 $60–$75 48-84 hours B- VISIT SITE
First American Home Warranty First American Home Warranty Best Appliance Coverage $60–$76 $75–$125 4-48 hours B VISIT SITE
AFC Home Club AFC Home Club Best for Customization $48–$55 $75–$125 24-48 hours B VISIT SITE
American Home Shield
Logo American Home Shield
Best For Best for Comprehensive Coverage
Monthly Cost $64–$74
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
Liberty Home Guard
Logo Liberty Home Guard
Best For Best Customer Ratings
Monthly Cost $49–$60
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating A
Select Home Warranty
Logo Select Home Warranty
Best For Best Value
Monthly Cost $44–$48
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B-
First American Home Warranty
Logo First American Home Warranty
Best For Best Appliance Coverage
Monthly Cost $60–$76
Service Fee $75–$125
Response Time 4-48 hours
BBB Rating B
AFC Home Club
Logo AFC Home Club
Best For Best for Customization
Monthly Cost $48–$55
Service Fee $75–$125
Response Time 24-48 hours
BBB Rating B
Best For
BBB Rating
Monthly Cost
Service Fee
Response Time
Best for Comprehensive Coverage
Up to 48 hours
Best Customer Ratings
Up to 48 hours
Best Value
48-84 hours
Best Appliance Coverage
4-48 hours
Best for Customization
24-48 hours

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.

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. It has the best customer ratings of any home warranty provider on this list, holding an A 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

Pros Extends a 60-day workmanship guarantee Offers 38 unique optional add-ons, including pest control and gutter cleaning Provides a live-chat customer service feature Cons Doesn't allow plan price or service call fee customization Covers high-end appliances only with add-on purchase Lacks 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.

Liberty Home Guard’s service contract provides additional coverage information for each plan.

What To Expect

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:

  • 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.

Select Home Warranty

Best Value


  • Response Time: 48 hours
  • State Availability: 47 states (excluding NevadaWisconsin, and Washington)
  • Service Call Fee: $60–$75

Select Home Warranty provides 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

Pros Offers annual premium discounts on multiyear coverage plans Includes a generous $3,000 coverage limit for HVAC systems Covers additional refrigeration and stand-alone freezers Cons Excludes coverage for tankless water heaters Offers lower coverage caps than many competitors Charges 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.

Check out Select Home Warranty’s sample contract, which outlines the terms and conditions of each coverage plan.

What To Expect

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:

  • 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.

AFC Home Club

Best for Customization


  • Response Time: 24 business hours
  • State Availability: 49 states (excluding Hawaii)
  • Service Call Fee: $75, $100, and $125

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

Pros Adds security perks, including identity protection, credit monitoring, and Emergency Alert Network service Guarantees parts and labor for the life of your membership Pairs appliances with a $3,000 coverage cap Cons Requires claims be submitted immediately after noticing a system or appliance problem Charges $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’s fine print gives more details if you want to learn more.

What To Expect

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:

  • 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.

First American Home Warranty

Best Appliance Coverage


  • Response Time: 48 hours
  • State Availability: 35 states*
  • Service Call Fee: $75, $100, and $125

*(excluding AlaskaConnecticutDelawareHawaiiIllinois, Louisiana, MaineMassachusettsMinnesotaNew HampshireNew YorkNorth DakotaRhode IslandVermont, and Wisconsin)

First American Home Warranty offers 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

Pros Provides unlimited coverage caps on heating, cooling, and ductwork Covers up to $1,000 in limited roof-leak repair Offers customers access to appliance discounts Cons Covers air conditioning only as an add-on in the Starter Plan Limits 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.

Check out First American Home Warranty’s sample contract for exact coverage details.

What To Expect

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:

  • 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.

To get a free quote from First American Home Warranty, fill out this online form or call 800-891-9778.

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.