Best 6 Home Warranty Companies in Stillwater, OK

Are Home Warranties Worth It for Stillwater Residents?

Home warranties are worth it for Stillwater residents. Stillwater experiences hot summers, and you probably use your air conditioner constantly during the warmer months. Your air conditioner can malfunction over time from heavy use.

Stillwater winters are fairly mild, but you still want a reliable heating system. Replacing your HVAC system can cost anywhere from $2,500–$8,000, compared to a home warranty costing roughly $644–$737 annually based on 120 quotes we requested from home warranty companies nationwide. The regular rain in Stillwater can damage your roof.

Some home warranty policies include limited roof-leak coverage, which can mitigate the cost of roof repair. Lastly, home warranties connect you with trusted 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

Consider these key factors when choosing the right home warranty plan for you.

Cost

After getting 120 quotes for a 2,000-square-foot, single-family home, we determined that home warranties cost roughly $53–$62 a month. You'll also pay a service call fee whenever you file a claim. These fees can range from $65–$125 per claim. Comprehensive home warranty plans typically cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options raise the monthly cost, so consider your particular needs before purchasing a plan.

Coverage

You can look for a home warranty plan that covers specific systems and appliances. Decide whether you want coverage for major systems (such as air conditioning), specific appliances, or both. Then ask your provider about its options for customized coverage. The following is a list of common systems coverage:

• Air conditioner
• Central vacuum
• Ductwork
• Electrical
• Heating
• Plumbing
• Water heater

• Built-in microwaves
• Clothes washers and dryers
• Dishwashers
• Garbage disposals
• Ovens
• Refrigerators
• Stovetops

Exclusions

Usually, home warranties don't cover improper installation or preexisting conditions. Most policies only cover damage from normal wear and tear. Most also exclude cosmetic issues or appliance components, routine maintenance, defects, or theft. Providers outline exclusions and limitations within their service contracts. We recommend reading carefully to fully understand the terms and conditions of your plan.

Provider Reputation

Also, consider a provider's reputation when making a decision. You can find customer reviews on sites like Google Reviews, Trustpilot, and Best Company or look at a company's rating with the Better Business Bureau (BBB). Ratings and reviews are a great way to assess how providers handle claims and customer service. Check with the Oklahoma Attorney General to verify that a provider holds a license with the state.

Contractor Network

Consider a home warranty company's network of service providers. Be sure to ask your provider where and how it sources technicians. All reputable companies should use licensed and registered contractors to fulfill service requests. Choose a provider that mentions service contractors you're familiar with. Rural homeowners may prefer home warranty policies with the option to choose their technicians. In-network service providers may be unavailable in these areas, and you'll want the option to choose your own.