We recommend American Home Shield and Elite Home Warranty as the best home warranty companies in Oklahoma. American Home Shield has $5,000 coverage limits for HVAC systems and system-only plans as low as $47 per month—a good payoff for homeowners on a budget. On the other hand, Elite Home Warranty offers full home protection for as low as $60 per month and allows customers to choose their own fully-customizable plan option.
Home systems and appliances can break at any time, leaving Oklahoma homeowners stuck in a tough spot with costly repair bills. Home warranties add a layer of financial security by offering coverage in the event of a malfunction for a monthly fee. Learn more about our top picks and why we recommend a home warranty in Oklahoma in this review.
Key Takeaways
- American Home Shield is our top choice for Oklahoma homeowners because of its affordable rates for basic home systems coverage and overall high coverage limits.
- The average cost of a home warranty in Oklahoma is $58–$84 per month, or $687–$987 annually.
- Among Oklahoma home warranty owners we surveyed in 2025, 70% plan to renew their home warranty coverage at the end of their term, and 90% have had a claim approved.
Top Home Warranty Companies in Oklahoma
Here’s a list of our top-rated home warranty providers in Oklahoma:
- American Home Shield: Best for Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Comparing Top Providers
We requested quotes for a single-family home in Tulsa, Oklahoma, to help us rank the best home warranty companies in the state. Here’s a quick side-by-side look at our top picks:
| Provider | Our Score (Out of 5) | Monthly Plan Cost | Service Call Fee | Better Business Bureau (BBB) Rating |
|---|---|---|---|---|
$36–$100 | $100–$125 | B | ||
$60–$68 | $100 | B | ||
$45–$60 | $70 ($150 for after hours and weekends) | B | ||
$77–$130 | $100–$125 | B | ||
$44–$82 | $75–$125 | B |
Note: We based the above quotes on a single-family home under 3,000-square-feet in Tulsa, Oklahoma. Pricing may vary based on your location, add-ons, and selection plan.
The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of March 2025.
Our Reviews of Top Providers in Oklahoma
When ranking the top home warranty providers in Oklahoma, we focused on home warranty basics like coverage limits, monthly rates, workmanship guarantees, and add-on protections. For more details on each of our top picks, check out our detailed reviews below.
American Home Shield
Coverage Overview
- Has systems-only plan for less than $50 per month
- Offers $5,000 coverage limits on HVAC, even on lower- and mid-tier plans
- One of the most experienced providers in our review with over 50 years in the industry
Keep in Mind
- Charges higher rates for comprehensive, whole-home coverage
- Only offers six add-ons, less than every other provider on our list
Our Review
In addition to offering two plans with combination coverage, American Home Shield (AHS) offers a systems-only plan for as low as $47 per month in Oklahoma. The ShieldSilver plan only covers home systems, but with $5,000 coverage caps on your HVAC, the policy is a good bargain for a lower monthly rate. The mid-level ShieldGold plan is also affordable, offering coverage for major home systems and kitchen and laundry appliances for around $67 per month, which can vary depending on your service fee selection. At that price point, American Home Shield’s comprehensive coverage is on par with industry leaders like Elite Home Warranty and Liberty Home Guard, offering value for homeowners.
However, the ShieldPlatinum plan is more pricey at around $97 per month, but it offers extras like roof leak coverage, unlimited air conditioning (AC) refrigerant, and more. We don’t recommend this plan for budget-conscious homeowners, but it offers value if you want the best coverage available regardless of the expense.
Plan Details and Cost
American Home Shield offers the following plans in Oklahoma:
- ShieldSilver ($47 per month): Covers home systems like HVAC, plumbing, and electrical
- ShieldGold ($67 per month): Covers everything in the ShieldSilver policy as well as kitchen and laundry appliances
- ShieldPlatinum ($97 per month): Covers everything in the previous two plans plus roof leak repairs, a free HVAC tune-up, unlimited AC refrigerant refills, and code violations and permits
The company offers $5,000 coverage limits for HVAC systems on every plan and up to $4,000 for home appliances, as shown in an American Home Shield sample contract. Appliance coverage limits vary depending on which plan you choose. At 15 pages in length, the contract is a bit lengthy, but we recommend reading it carefully since each item has a list of covered and excluded components.
American Home Shield offers $100 and $125 service fee options, which meets the industry average but several other providers on our list offer fees as low as $75. AHS only offers six add-ons, which is the lowest of any company on our list. Here are our picks for the company’s most practical add-on options for Oklahoma residents:
- Electronics protection plan
- Guest unit
- Roof leak repair
- Septic pump
- Well pump
Choice Home Warranty
Coverage Overview
- Offers consistent rates across the entire state, based on our review
- Includes $3,000 coverage limits for most items
- Has full home coverage for less than $70 per month
Keep in Mind
- Doesn’t allow customers to choose their own service fee, which can affect pricing customization
- No options for appliance-only or systems-only plans
Our Review
Choice Home Warranty offers a comprehensive Total Plan for only $67 per month, making it the most affordable company on this list for full home coverage. Although Choice only has two plans to choose from, both cover a mix of appliances and home systems. The company also includes $3,000 coverage limits for most items, which is on par with competitors. This amount is usually enough to cover repairs and replacements for most appliances, but might not fully offset the bill for expensive systems like your HVAC. Choice is also the only company on our list to offer a guarantee that an agent will reach out to service technicians within four hours of you submitting a claim, which can add peace of mind.
However, Choice is currently involved in a class-action lawsuit filed by the Arizona Attorney General in 2019, which is still ongoing. The lawsuit alleges that Choice denied claims in bad faith and didn’t fulfill its promise to provide “swift and timely” service. The home warranty industry is no stranger to lawsuits, but potential buyers should note Choice’s legal issues. Another consideration is Choice’s service fees, with a flat rate of $100 per use. Although $100 is about average for service fees, customers can’t choose between rates, which gives members less flexibility over their billing. Most companies offer the ability to choose between at least two service fee options.
Plan Details and Cost
Choice Home Warranty offers the following plans in Oklahoma:
- Basic Plan ($59 per month): Covers essential home systems and appliances but excludes refrigerators, air conditioning, washers, and dryers
- Total Plan ($67 per month): Covers everything in the Basic Plan and adds refrigerators, air conditioning, washers, and dryers
Choice Home Warranty offers $3,000 coverage limits for all items except well pumps, roof leaks, septic systems, ice makers, sprinkler systems, and trash compactors, which have limits of $500 or less. We recommend reading a Choice Home Warranty sample contract to inform yourself of any exclusions that could lead to claim denials, especially considering Choice’s current lawsuit.
Choice offers the following add-ons for Oklahoma residents:
- Additional Spa
- Central vacuum
- Limited roof leak
- Pool and spa
- Second refrigerator
- Septic system
- Septic tank pumping
- Stand alone freezer
Elite Home Warranty
Coverage Overview
- Offers a completely customizable home warranty plan option
- Has separate plans for appliances, home systems, and total home coverage
- Charges a $70 flat-rate service fee for all members, which is on the lower end of the industry average
Keep in Mind
- Doesn’t allow customers to get a personalized quote online
- Limits coverage to $300 for the first 90 days of your plan term
Our Review
Elite Home Warranty is the only home warranty provider we reviewed in Oklahoma that lets members customize their coverage from scratch, making the company a top pick for customers who value flexibility. Instead of purchasing add-on coverage to supplement their plan, customers can hand-pick their coverage and create a custom plan. Aside from that, Elite offers three pre-set plans: one for appliances, one for systems, and one for both.
Elite also offers $70 service fees for all members, which is one of the lowest rates in the industry. However, the company charges a higher $150 rate for after-hours and weekend appointments. Elite also has a few features that may create a hurdle for customers. For example, customers have to call a representative to get a personalized quote. The information on Elite’s website is an estimate of plan costs, so you won’t know your exact monthly rate until you call and set up a policy. For homeowners used to the convenience of immediate online quotes, this may seem like an inconvenience.
Plan Details and Cost
Elite Home Warranty offers the following plans in Oklahoma:
- Elite Appliances ($45 per month): Covers eight essential appliances, like ovens, washers, dryers, and more
- Elite Systems ($50 per month): Covers eight major home systems, including heating systems, air conditioning, plumbing, and electrical
- Elite Complete ($60 per month): Covers all the appliances and home systems in the previous two plans
The Elite Home Warranty sample contract for Oklahoma is longer than any other companies on our list and has a lot of different sections. Simply put, it can get confusing, especially if it’s your first time reading through a home warranty contract. For example, under the Limitations of Liability section, Elite notes $300 coverage limits for all claims filed within the first 90 days of a policy, which is separate from the company’s 30-day waiting period.
Elite offers 30 add-ons, second only to Liberty Home Guard on our list. While the company offers plenty to choose from, we’ve listed the most relevant add-ons for Oklahoma homeowners below:
- Generator
- Guest house
- Hot tub
- Lawn sprinkler system
- Trash compactor
First American Home Warranty
Coverage Overview
- Offers high appliance coverage limits up to $7,000
- Has a full money-back guarantee if you cancel coverage within the first 30 days
- Doesn’t have preset coverage caps for HVAC, electrical, and plumbing systems
Keep in Mind
- Doesn’t offer appliance-only or systems-only plans
- No available service fee options below $100
Our Review
First American Home Warranty is one of our top picks for home warranty service providers because it provides some of the highest coverage limits in the industry. First American offers $3,500 per appliance on its Starter and Essential plans, which is a generous amount, based on our review. Appliance coverage limits jump up to $7,000 on its Premium plan, which is unmatched by any competitor we’ve reviewed. Plus, First American doesn’t have preset coverage caps for most home systems, meaning if one of your covered systems breaks, the company will fix or replace it no matter the cost.
The company also covers a mix of systems and appliances in each of its three plans. However, these perks come at a price. At $88 per month, First American’s basic Starter Plan is more expensive than total coverage plans offered by other providers on our list, which may worry budget-conscious homeowners. The mid-tier Essential Plan is more in line with what a fully comprehensive plan covers, but at $110 per month, pricing is comparable with top-tier plans offered by other companies. Additionally, First American doesn’t offer appliance-only or systems-only plans, so customers have to cover a mix of both, which can mean paying for coverage you don’t need.
Plan Details and Cost
First American Home Warranty offers the following plans in Oklahoma:
- Starter Plan ($88 per month): Covers basic appliances and home systems like plumbing systems, heating, electrical, ovens, and dishwashers
- Essential Plan ($110 per month): Covers everything in the Starter Plan, as well as air conditioners, washers, dryers, water heaters, and garage door openers
- Premium Plan ($141 per month): Covers everything in the previous two plans but with added extras like luxury appliances, faucets, and full garage door systems
At only 10 pages long, First American Home Warranty’s sample contract is one of the more concise documents on our list. The sample contract clearly lists covered items, protection limits, and policy exclusions. For example, First American offers $3,500 per appliance on its Starter and Essential plans and $7,000 on the Premium Plan. The company also has limitless coverage for most home systems. We recommend reading the entire sample contract to get more familiar with the fine print before purchasing a policy.
First American offers customers a choice between a $100 or $125 service fee. The company has 11 add-ons to choose from, ranking in the middle of our list when it comes to the number of additional coverage choices. Here are our top picks for the most beneficial add-on options for Oklahoma homeowners:
- Central air conditioning
- Limited roof leak
- Septic system
- Water softener
- Well pump
AFC Home Warranty
Coverage Overview
- Offers a workmanship guarantee for as long as your plan is active, the longest in the industry
- Has high coverage limits of $3,000 for appliances
- Lets customers choose their own licensed technicians
Keep in Mind
- Highest-tier Diamond Plan may cost more than other options in the state
- Doesn’t cover preexisting conditions, either known or unknown
Our Review
AFC Home Warranty is a top provider in Oklahoma because it’s one of the few companies that lets members choose their own technicians. The company also extends a workmanship guarantee that runs for the length of your plan. This means as long as you have a contract with AFC Home Warranty, you won’t have to pay for the same repair twice, and you can avoid paying another service fee if the same component breaks again. Every other provider on our list has a workmanship guarantee for 90 days or less, making AFC Home Warranty ahead of the curve when it comes to backing up its repairs.
AFC Home Warranty also lets customers choose their own technicians, which is a big perk not offered by every other company. While customers may like how a home warranty company sources local contractors for them, some members may prefer to choose their own technician. If you have a local contractor you already know and like, AFC Home Warranty will let you use them as long as they’re properly licensed. However, the company doesn’t cover unknown, preexisting conditions. This is a common exclusion in the industry, but some other companies on our list cover this type of damage—notably American Home Shield.
Plan Details and Cost
AFC Home Warranty offers the following three plans in Oklahoma:
- Gold Plan ($44 per month): Covers 15 home systems and appliances, including HVAC, kitchen and laundry appliances, plumbing, and electrical
- Platinum Plan ($51 per month): Covers everything in the Gold plan and adds coverage for ceiling fans, exhaust, attic fans, and more
- Diamond Plan ($82 per month): Covers everything under the previous two plans plus smartphones, home electronics, and exterior sewer and water lines
AFC Home Warranty’s sample contract is only nine pages long, but has a lot of fine print since most covered items have different limits. For example, the company offers $3,000 per appliance, limitless coverage for HVAC systems, $500 for plumbing and electrical, and $1,000 for water heaters. Some coverage limits are generous, like for appliances and HVAC systems, while others are some of the lowest in the industry, like for plumbing and electrical. Read an entire contract to determine if the high coverage limits outweigh the lower protections for your specific home needs.
AFC Home Warranty has service fee options that range from $75– $125, and it only offers seven add-on options, the second lowest on our list. However, some of the add-ons include options that not many other providers offer, like electronics coverage. Here are our top picks for the best add-ons for Oklahoma homeowners:
- Electronics
- In-ground pool
- Roof leak coverage
- Stand-alone freezer
- Sump pump
Our Experience Filing Claims
In order to give readers the most accurate information possible, our team purchased home warranties and filed claims ourselves instead. In the process, we’ve learned a lot about the claims process. For example, our team’s First American Home Warranty tester received a policy with the sale of his house, but has continued to renew it every year since 2008. According to our tester, filing a claim is as simple as logging into your online account, selecting your issue, adding a description, and clicking submit. Each time he filed a claim, our tester would receive a confirmation text from First American and a call from a contractor within the hour.
Generally, our tester typically only has to pay his service fee, which he charges to his credit card after the contractor completes each claim. For example, First American replaced our tester’s broken dryer with a more expensive model and he only had to pay a $85 service fee.
However, there was one occasion where he had to pay $300 out of pocket for a new water heater because his old unit was 15 years old, and First American would only contribute $500 toward a replacement. Our tester shared that First American is communicative, quick to respond, and always has a contractor fix the issue within three days.
Home Warranty Costs in Oklahoma
Based on our research, the average cost of a home warranty in Oklahoma ranges from $58–$84 per month, with an average monthly plan rate of $72. This is around $16 more than the national average of $56 per month. You can find the average plan cost for each of our top-rated providers in the table below.
| Provider | Average Monthly Cost | Selected Service Fee |
|---|---|---|
| American Home Shield | $47–$97 | $100–$125 |
| Choice Home Warranty | $59–$67 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| First American Home Warranty | $88–$141 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
To more accurately estimate home warranty costs in Oklahoma and across the U.S., we collected over 4,000 quotes from 13 providers in all 50 U.S. states. We included single-family homes in a variety of different areas, both under and over 5,000 square feet. For the state of Oklahoma, we received quotes for a three-bedroom, single-family home in Tulsa under 3,000-square-feet. To determine a national price range, we averaged home warranty costs from urban and rural areas within each state.
Survey Insights from Oklahoma Homeowners
In 2025, our team conducted a nationwide survey of 2,000 homeowners with home warranty coverage to learn more about their experiences. We discovered that 50% of Oklahoma homeowners have a home warranty plan that covers both appliances and home systems. Additionally, 70% of policyholders plan to renew their coverage at the end of their contract.
In terms of the buying process, 65% of Oklahoma residents said coverage was a key factor in their plan choice. The most important home system to Oklahoma policyholders was their air conditioning (45%), and the most important appliance was their refrigerator (40%). Aside from their primary plan, 40% of Oklahoma residents purchased additional roof leak coverage.
Oklahoma residents have also had success with submitting claims, with 90% of policyholders getting their claims approved. Overall, Oklahoma residents agree that a home warranty is worth it, with 75% of homeowners saying they are either “satisfied” or “very satisfied” with their policy.
FAQs About Home Warranties in Oklahoma
What does a home warranty not cover?
Typically, a home warranty only covers the appliances and systems in your home that break from normal use, not the structure of the home itself. Additionally, a home warranty won’t cover damage from storms, flooding, fire, war, acts of God, termite or pest damage, etc. To cover some of these damages, consider purchasing homeowners insurance or a flood insurance policy.
What are the disadvantages of home warranties?
Most of the disadvantages regarding home warranties stem from monthly rates and claim denials. If the amount you’re spending on a home warranty policy outweighs the cost of any potential repairs, a home warranty could seem like a disadvantage. Additionally, a provider could deny your claim based on a fine print detail in your contract, which can feel like the money you spent on a policy is being wasted.
How do I renew my home warranty plan?
You can usually renew your policy by calling a company representative or logging into your provider’s online portal. If you’re unsure how to renew your plan, visit your home warranty provider’s website for more details.
Does a home warranty cover tornado damage in Oklahoma?
No, home warranties do not cover damage from natural disasters. For this type of coverage, consider purchasing a homeowners insurance policy.
How We Evaluated Home Warranty Providers
Our team used a detailed rating methodology to rank Oklahoma home warranty providers across six factors based on overall scores that accurately reflect each company’s offerings, price, and overall value. Along with our methodology, we purchased policies, filed claims, called representatives, requested quotes, read sample contracts, and conducted surveys for a firsthand experience with each provider.
Once we finished our research process and sorted through our data, we ranked each provider on a 5-point scale using the factors below:
- Coverage: According to our 2025 survey, coverage was the most important factor for Oklahoma homeowners when choosing a plan. We awarded the most points to providers with high coverage limits and separate plans for appliances, systems, and total home coverage.
- Cost: We rated each provider according to its monthly rates, service fees, charges for add-on coverage, and any extra fees. We gave the most points to providers with comprehensive coverage at $60 a month or less and service fees under $100.
- Trustworthiness: In order to get peace of mind, it’s important to choose a company you can trust. We gave points to providers with high customer reviews on sites like the BBB, Trustpilot, and Google Reviews. We also prioritized having long workmanship guarantees and no history of lawsuits.
- Plan transparency: We awarded the most points to companies that publish sample contracts online, including specific versions for Oklahoma residents, and list terms clearly.
- Customer support: With home warranty companies, communication is key. Our top providers offer multiple ways to submit claims, 24/7 chat availability, easy-to-use online portals, and fast response times.
- Flexibility: Our top Oklahoma home warranty companies let members choose their own technicians and offer three or more plan options, plenty of add-ons, and customizable coverage.
