We may be compensated if you purchase through links on our website. Our Reviews Team is committed to delivering honest, objective, and independent reviews on home products and services. More

Best 6 Home Warranty Companies in Stillwater, OK

  1. Home
  2. Local Pros
  3. Home Warranty
  4. OK
  5. Stillwater
Written By Jessica Hurtault|Last Updated: February 05, 2024

Oklahoma homeowners deal with a range of temperatures throughout the year, ranging from chilly winters to scorching summers. That's why reliable heating and cooling is so critical. But when a system fails, costly repairs or replacements can strain your finances. A home warranty provides coverage for major systems and appliances, protecting you from unexpected expenses.

We know how difficult it can be to find the right warranty provider for your needs. To help, we've compiled a list of the best home warranty companies in Stillwater, Oklahoma.

Best Customer Ratings
4.5
  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages
Best for Comprehensive Coverage
4.4
  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay
Best Value
4.3
  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

6 Best Home Warranty Companies in Stillwater

Best for Comprehensive Coverage

American Home Shield

Pros

  • Offers generous coverage caps
  • Allows customers to build their own plans
  • Provides the option to choose the service fee you want to pay

Cons

  • Doesn’t let customers choose their own technician
  • Offers limited add-on options
Plan Name ShieldSilver
Monthly Cost $29.99 – $39.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Ceiling fans, Cooktop exhaust, Doorbell, Ductwork, Electrical, Faucets and Valves, Garage door, Heating system, Main breaker fuse box, Plumbing, Plumbing stoppages, Rekey services, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldGold
Monthly Cost $49.99 – $59.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Refrigerator, Rekey services, Range, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Roof-leak, Spa, Septic pump, Well pump

Plan Name ShieldPlatinum
Monthly Cost $79.99 – $89.99
Service Fee $100.00 - $125.00
Items Covered

Air Conditioner, Alarm, Attic fans, Bath exhaust fans, Built-in microwave, Ceiling fans, Cooktop, Cooktop exhaust, Dishwasher, Doorbell, Ductwork, Electrical, Faucets and Valves, Garbage disposal, Garage door, Heating system, Instant hot and cold water dispenser, Main breaker fuse box, Plumbing, Plumbing stoppages, Range, Refrigerator, Rekey services, Roof-leak, Toilet, Water dispenser, Water heater

Add-on Items

Electronics, Guest Unit, Pool, Spa, Septic pump, Well pump

52 Years in BusinessBBB Rating: B
Best Customer Ratings

Liberty Home Guard

Pros

  • Holds high ratings among customer service reviews
  • Covers repairs with a 60-day workmanship guarantee
  • Offers an extensive list of 30+ add-on coverages

Cons

  • Lacks transparency on service call fee pricing
  • Excludes coverage for known or unknown pre-existing conditions
Plan Name Appliance Guard
Monthly Cost $49.99
Service Fee $65.00 - $125.00
Items Covered

Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Garage door, Microwave, Oven, Range, Refrigerator, Washer

Add-on Items

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

Plan Name Systems Guard
Monthly Cost $54.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ductwork, Electrical, Heating system, Plumbing, Plumbing stoppages, Toilet, Water heater

Add-on Items

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

Plan Name Total Home Guard
Monthly Cost $59.99
Service Fee $65.00 - $125.00
Items Covered

Air conditioner, Ceiling fan, Cooktop, Cooktop exhaust fan, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Garage door, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Refrigerator ice maker, Toilet, Washer, Water heater

Add-on Items

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

6 Years in BusinessBBB Rating: A+
Best Value

Select Home Warranty

Pros

  • Provides low service fees compared to other home warranty providers
  • Includes two extra months of coverage in annual signup
  • Has an appliance-only, systems-only, and combo plan option

Cons

  • Has a $75 cancellation fee
  • Low coverage caps
Plan Name Bronze Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Cooktop, Disposal, Dishwasher, Dryer, Microwave, Oven, Refrigerator, Stove, Washer

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Care Plan
Monthly Cost $44.42
Service Fee $75.00
Items Covered

Air Conditioner, Ductwork, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Care Plan
Monthly Cost $47.75
Service Fee $75.00
Items Covered

Air conditioner, Cooktop, Disposal, Dishwasher, Dryer, Ductwork, Electrical, Heating system, Microwave, Oven, Plumbing, Plumbing stoppages, Refrigerator, Stove, Washer, Water heater

Add-on Items

Central Vacuum, Pool, Roof leaks, Septic system, Spa, Sprinkler, Stand-alone freezer, Sump pump, Well pump

11 Years in BusinessBBB Rating: B-
Best for Customization

AFC Home Warranty

Pros

  • Provides an unlimited workmanship guarantee
  • Offers generous appliance coverage limits
  • Allows you to choose your own contractor

Cons

  • Limits coverage limits for older items based on depreciated value
  • Requires you to file a claim immediately after discovering an issue
Plan Name Silver Plan
Monthly Cost $42.17 – $47.00
Service Fee $75.00 - $125.00
Items Covered

Clothes dryer, Clothes washer, Cooktop, Dishwasher, Garbage disposal, Garage door opener, Kitchen refrigerator, Oven, Range, Stove

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Systems Plan
Monthly Cost $49.42 – $54.25
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Electrical, Heating system, Plumbing, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Gold Plan
Monthly Cost $56.67 – $61.05
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Garbage disposal, Garage door opener, Heating system, Kitchen refrigerator, Oven, Plumbing, Range, Stove, Water heater

Add-on Items

Built-in microwave, Central vacuum, Double oven, Electonics coverage, Hot water dispenser, Ice maker, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

Plan Name Platinum Plan
Monthly Cost $61.05 – $66.33
Service Fee $75.00 - $125.00
Items Covered

Air conditioner, Attic fan, Built-in microwave, Ceiling fan, Clothes dryer, Clothes washer, Cooktop, Dishwasher, Ductwork, Electrical, Exhaust fan, Faucets, Garbage disposal, Garage door opener, Heating system, Ice maker, Kitchen refrigerator, Oven, Plumbing, Plumbing stoppages, Range, Stove, Water heater

Add-on Items

Central vacuum, Double oven, Electonics coverage, Hot water dispenser, In-ground pool, In-ground pool and spa, Roof-leak, Septic system, Stand-alone freezer, Sump pump, Well pump

14 Years in BusinessBBB Rating: B
Best Appliance Coverage

First American Home Warranty

Pros

  • Allows you to choose your service call fee
  • Doesn’t have a coverage cap on heating, cooling, or ductwork
  • Accepts 24/7 service calls

Cons

  • Doesn’t let customers choose their own contractor
  • Charges higher for coverage compared to other providers
Plan Name Starter Plan
Monthly Cost $47.00 – $67.00
Service Fee $75.00 - $125.00
Items Covered

Built-in microwave, Dishwasher, Ductwork, Electrical system, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms

Add-on Items

Additional refrigeration, Central air conditioning, First American Advantage, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Essential Plan
Monthly Cost $52.00 – $72.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, First American Advantage, Garage door opener, Heating system, Kitchen range hood, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

Plan Name Premium Plan
Monthly Cost $67.00 – $87.00
Service Fee $75.00 - $125.00
Items Covered

Air conditioning, Built-in microwave, Ceiling/attic/exhaust fans, Central vacuum system, Clothes washer, Clothes dryer, Dishwasher, Ductwork, Electrical system, Faucets, First American Advantage, Full garage door system, Garbage disposal, Heating system, Instant hot water dispenser, Kitchen range hood, Luxury appliance coverage, Oven/cooktop, Plumbing system, Plumbing stoppages, Refrigerator, Shower head/shower arm, Toilet tanks/bowls/mechanisms, Trash compactor, Water heater, Window AC unit

Add-on Items

Additional refrigeration, Central air conditioning, HVAC tune-up, Limited roof-leak, Pool/spa equipment, Septic tank pumping/system, Water softener, Well pump

39 Years in BusinessBBB Rating: B
Best Additional Perks

Cinch Home Services

Pros

  • Offers home insurance deductible of $500
  • Extends a long 180-day workmanship guarantee
  • Provides generous $10,000 aggregate coverage limit

Cons

  • Charges high service fees of $75-$150
  • Doesn’t allow customers to choose their own technician
  • Isn’t available in hawaii or alaska
Plan Name Appliances Plan
Monthly Cost $38.99 – $48.99
Service Fee $100.00 - $150.00
Items Covered

Cooktop, Dishwasher, Dryer, Food center, Free-standing ice maker, Microwave, Oven, Range, Range exhaust hood, Refrigerator, Trash compactor, Washer

Add-on Items

Pool, Premier Upgrade Package, Septic, Spa, Well pump

Plan Name Built-in Systems Plan
Monthly Cost $43.99 – $55.99
Service Fee $100.00 - $150.00
Items Covered

Air conditioner, Attic fans, Ceiling fans, Central Vacuum, Disposal, Doorbell, Ductwork, Electrical, Garage door, Garbage Disposal, Heating system, Instant hot and cold water dispensers, Plumbing, Plumbing stoppages, Smoke alarm, Sump pump, Toilet, Water heater, Whirlpool/jetted tubs

Add-on Items

Pool, Premier Upgrade Package, Septic, Spa, Well pump

Plan Name Complete Home Plan
Monthly Cost $54.99 – $66.99
Service Fee $100.00 - $150.00
Items Covered

Air conditioner, Attic fans, Cooktop, Ceiling fans, Central Vacuum, Disposal, Dishwasher, Doorbell, Dryer, Ductwork, Electrical, Food center, Garage door, Garbage Disposal, Heating system, Instant hot and cold water dispensers, Microwave, Oven, Plumbing, Plumbing stoppages, Range, Range exhaust hood, Smoke alarm, Sump pump, Toilet, Trash compactor, Washer, Water heater, Whirlpool/jetted tubs

Add-on Items

Pool, Premier Upgrade Package, Septic, Spa, Well pump

45 Years in BusinessBBB Rating: B

*BBB ratings are accurate as of August 2023.

**Cost figures are based on information available on provider websites and are accurate as of August 2023. Request a quote from each company to see prices in your area.

Facts about Stillwater
Average Max Temp:72°F
Average Min Temp:50°F
Average Annual Snowfall:6.3"
Homeownership Rate:52%
Median Home Size:1678 sqft
Median Home Price:$233,557

Expert Tips By

This Old House empowers homeowners with the knowledge and tools they need to tackle various projects and navigate the complexities of homeownership.

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 there will still be days when you rely on your heating. HVAC system replacement can cost anywhere between $2,500 and $8,000. Home warranties, on the other hand, run about $644–$737 per year, based on 120 quotes we received from home warranty companies across the nation.

Stillwater's regular rain showers can also affect your roof. Some home warranty providers offer limited roof-leak coverage to financially assist with repair. Lastly, your home warranty will connect you with service providers you can trust.

A reputable home warranty is a good investment because companies vet their technicians. If you're focused on work or other priorities, your home warranty company can ensure that someone reliable will handle your issue.

What To Consider Before Choosing a Home Warranty Company

Consider the following factors when selecting the best home warranty for your needs.

Cost

We requested 120 quotes for a 2,000-square-foot, single-family home and found that the average home warranty costs between $53–$62 per month. You also have to pay service call fees each time you file a claim. These fees range from $65–$125 per claim. Comprehensive home warranty plans generally cost more than basic ones. Home systems coverage plans usually cost more than appliance plans. Add-on coverage options increase your monthly price, so consider your particular needs before purchasing a plan.

Coverage

Figure out which appliances and systems you use the most. You'll want a home warranty plan that covers these items. Most home warranties can be customized to your needs, and many providers offer systems-only plans for homeowners that only want select coverage (such as for air conditioning). You can also get a plan that only covers select appliances. The following is a list of common systems coverage:

  • Air conditioner
  • Central vacuum
  • Ductwork
  • Electrical
  • Heating
  • Plumbing
  • Water heater
Commonly covered appliances include the following:
  • Built-in microwaves
  • Clothes washers and dryers
  • Dishwashers
  • Garbage disposals
  • Ovens
  • Refrigerators
  • Stovetops
Also, consider coverage limits. You may opt for a provider with higher coverage limits if you have older appliance or systems. Based on our research, companies with higher coverage caps typically charge higher premiums.

Exclusions

Generally, home warranties don't cover improper installation or preexisting conditions. Most policies only cover breakdowns from normal wear and tear. Most also exclude cosmetic issues or appliance components, theft, routine maintenance, or defects. Each provider outlines exclusions and limitations within its service contract. We recommend reading it to understand your plan's specific terms and conditions.

Provider Reputation

Carefully consider a provider's reputation before purchasing a plan. Check its Better Business Bureau rating. Also read customer reviews on sites such as Google Reviews, Best Company, and Trustpilot. Reading these reviews gives you an idea of how providers handle customer service and claims. Check with the Oklahoma Attorney General to verify that a provider holds a valid state license.

Contractor Network

Consider a home warranty company's network of service providers. Be sure to ask your company where and how it sources technicians. All reputable companies should use licensed and registered contractors to handle service requests. Choose a provider that mentions the names of familiar service contractors. Homeowners in rural areas should consider a home warranty policy that allows the customer to choose their technician. Rural areas may not have any in-network service providers available, so customers might need to source their own.

Frequently Asked Questions About Home Warranty in Stillwater

Do I need a home warranty in Stillwater?

No, Stillwater doesn't require homeowners to have a home warranty. However, we recommend purchasing one, as it helps you maintain a budget to cover expensive appliance and system breakdowns. It'll also save you time you'd otherwise spend searching for a trustworthy service technician.

What are preexisting conditions?

A preexisting condition is a breakdown or issue experienced by a home appliance or system before your warranty coverage begins. Providers normally don't cover preexisting conditions. Make sure you purchase a home warranty policy while all your systems and appliances are still in working order to ensure full protection.

What is Stillwater's best home warranty provider?

The best home warranty in Stillwater depends on what you're looking for. American Home Shield is a solid choice for comprehensive coverage limits. You may also consider Liberty Home Guard if you need unique coverage.

Can I get a home warranty that covers other types of home items?

Yes, you can get a home warranty that covers household items besides common systems and appliances. For instance, some policies may cover well pumps, septic systems, stand-alone freezers, pools and spas, or sump pumps. These are usually considered add-ons. Check with your provider to determine what add-ons are available.

Why is there a waiting period before my home warranty coverage begins?

Most home warranty providers have a 30-day waiting period before coverage begins. This is to know that any appliance and system breakdowns are caused by normal wear and tear rather than a preexisting condition. Home warranty providers won't cover an already broken item.

How is a home warranty different from homeowners insurance?

A home warranty only covers household systems and appliances that need repairs or replacements due to normal wear and tear. Homeowners insurance, on the other hand, provides coverage for homes for damage from disasters like fires, accidents, and losses.

How do I file a claim with my home warranty provider?

Submitting a claim to your home warranty provider is generally simple. When one of your appliances or systems has an issue, reach out to your provider and describe the problem. You can typically do so on the phone or online. From there, your provider will send a contractor to your home, and you'll pay the service fee. The contractor will then diagnose and repair the issue.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviewsteam@thisoldhousereviews.com.

More Home Warranty Resources

Sources