Are Home Warranties Worth It for Oklahoma City Residents?
Home warranties are worth it for Oklahoma City residents. Oklahoma City experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioning system may malfunction over time from heavy use.
Oklahoma City winters are fairly mild, but you still want a reliable heating system. HVAC system replacement can cost between $2,500 and $8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we received from home warranty companies nationwide. The regular rain in Oklahoma City can damage your roof.
The cost of repairs will be lower if you have a home warranty with roof-leak coverage. Lastly, home warranties connect you with trustworthy service providers. Reputable home warranty companies vet all their service providers.
If life keeps you busy, investing in a home warranty ensures a trustworthy technician will fix your issue.
What To Consider Before Choosing a Home Warranty Company
Think about these key factors when choosing the best home warranty plan for you.
We received 120 quotes for a 2,000-square-foot, single-family home and found that home warranties cost an average of $53–$62 per month. You'll also pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Basic home warranty plans are more affordable than comprehensive ones. Home systems coverage plans will cost more than appliance plans. Most plans offer add-on coverage options for an additional monthly fee. Consider your specific needs before choosing a plan.
Determine which systems and appliances you use most frequently. Most home warranties offer custom coverage tailored to your needs. If you only need coverage for certain systems, such as your air conditioner, most providers offer systems-only plans. The same is true if you only need coverage for select appliances. Here is a list of common systems coverage:
- Air conditioner
- Central vacuum
- Water heater
- Built-in microwaves
- Clothes washers and dryers
- Garbage disposals
Most home warranties only cover damage from normal wear and tear. They don't cover preexisting conditions or improper installation. In addition, home warranties don't cover appliance components or cosmetic issues, defects, theft, or routine maintenance. Providers will outline exclusions and limitations in their service contracts. Read your contract thoroughly to ensure you understand your plan's terms and conditions.
Provider reputation is another key factor to consider. You can find real customer reviews on sites such as Best Company, Trustpilot, and Google Reviews or check a company's Better Business Bureau (BBB) rating. Reviews and ratings can provide insight into how a company handles claims and customer service. Check with the Oklahoma Attorney General to verify that a provider holds a valid state license.
Consider a home warranty company's service provider network. Reputable home warranty companies source licensed and registered contractors to handle service requests. We suggest asking a provider where and how it sources technicians. Choose a provider that mentions service contractors you're familiar with. Homeowners in rural areas should consider a home warranty policy that lets them choose their technician. In-network service providers may not be available in your area, so you want the option to source your own.
Frequently Asked Questions About Home Warranty in Oklahoma City
Is a home warranty required in Oklahoma City?
What are preexisting conditions?
What is Oklahoma City's best home warranty provider?
Can I get a home warranty that covers other types of home items?
Why is there a waiting period before my home warranty coverage begins?
How long does a home warranty typically last?
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