Homeowners in Oklahoma enjoy properties with lots of land, plenty of outdoor activities, and real estate that remains affordable from year to year. However, even if you got a great deal on the home you purchased, there are still issues with home systems and appliances that will come into play.
Home warranties are like mini insurance policies that protect against unexpected damages in your home. They’re helpful everywhere, but they can be especially useful in Oklahoma. Residents contend with extreme temperatures in the summer that can put added strain on AC systems and refrigerators, and tornadoes can weaken roofing which can eventually lead to leaks. The best home warranties in Oklahoma cover these issues and damages, bringing you peace of mind and reducing repair and replacement costs.
Oklahoma’s Best Home Warranty Companies in 2023
Quick Comparison of Home Warranty Providers
The table below outlines data for the best home warranty companies in Oklahoma and beyond. We constantly update these ratings as companies change their policies and prices to give you the most accurate information possible. Continue reading in-depth reviews of several top providers.
Company | Monthly Cost | Service Fee | Coverage Limit | Response Time | Rating | States Covered |
 | $46.83–$54.75+ | $85 | $3,000 | 24–48 hours | 4.0 | 49 states, excluding WA |
 | $49.99–$69.99+ | $65–$125 | $2,000 | 12–48 hours | 4.5 | 50 states |
 | $60.42–$63.75+ | $60–$75 | $3,000 | 24–48 hours | 4.3 | 47 states, excluding NV, WA, and WI |
 | $49.99–$99.99 | $75–$125 | $6,000 | 24–72 hours | 4.2 | 49 states, excluding AK |
 | $30.00–$60.00 | $75–$125 | $3,000 | 24–48 hours | 4.3 | 49 states, excluding HI |
 | $39.99–$54.99 | $100–$125 | $2,000 | 24–48 hours | 4.1 | 48 states, excluding AK and HI |
 | $17.00–$60.00 | $65–$100 | $2,500 | 24–48 hours | 4.0 | 42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY |
 | $36.00–$46.50 | $75–$125 | $3,500 | 24–48 hours | 3.9 | 34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI |
Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.
Choice Home Warranty
4.1
Our Rating
Choice Home Warranty is our top pick for a home warranty in Oklahoma. This company has been serving homeowners in your area for 13 years, meaning it is highly experienced and understands what local coverages are needed most. The company maintains overwhelmingly positive reviews, in part because the customer service is outstanding. The plans are affordable and offer a wide range of coverage to provide ultimate peace of mind. Unlike most other companies, Choice’s plans all include home appliance coverage and home system protection.
- Our Take: Best Overall
- Average Annual Cost: $504-$639.96
- Response Time: Up to 48 hours
Choice Home Warranty has two different plans you can choose: the Basic Plan and the Total Plan. Both cover appliances and home systems, but the Total Plan includes more and offers better peace of mind. This company’s options are all affordable, especially given the value included in the plans. The coverage caps extend up to $2,000 per covered item, and you’ll get service call fees of just $85.
Here’s a detailed look at Choice Home Warranty’s coverage:
- Basic Plan ($42/month): The Basic Plan is the entry-level option from Choice Home Warranty, but it still includes appliance and home system protection. This home warranty offers coverage for your dishwasher, oven, stove, cooktop exhaust fan, microwave, garage door opener, ceiling fans, and garbage disposal. As far as systems coverage goes, you’ll enjoy peace of mind when it comes to issues with your heating, plumbing, and electrical systems, plus toilets, water heaters, and HVAC ductwork.
- Total Plan ($53.33/month): The Total Plan is even more comprehensive than the Basic Plan. For a small amount more each month, you’ll get coverage for everything in the Basic Plan, plus your refrigerator, clothes washer, and clothes dryer. Most Oklahoma residents opt for this coverage plan because refrigerators are under immense stress to contend with the summer heat in Oklahoma.
Choice Home Warranty isn’t known for having many different plan customization options, but there are some add-on coverages that you can include in your plan choice. These include:
- Roof leak coverage (limited)
- Septic system (pumping not included)
- Septic tank pumping
- Well pump
- Sump pump
- Second fridge
- Standalone freezer
- Pools and spas
- Central vacuum
Liberty Home Guard
4.5
Our Rating
Liberty Home Guard is the most trustworthy home warranty in the state of Oklahoma. Although Liberty Home Guard has only been a plan option for Oklahoma residents for the last two years, the coverage that they offer is considerably better than some other options on the market. In addition, in the two-year time period, they managed to get an A rating with the BBB. This is currently the only A-rated home warranty company on the market. If you want a company that will quickly respond to your request for service and handles it with a high level of professionalism, Liberty Home Guard is a perfect choice.
- Our Take: Most Trustworthy
- Average Annual Cost: $779.88-$899.88
- Response Time: Within 24 hours
Similar to Select Home Warranty, Liberty Home Guard offers three plans to choose from. The appliance plan, systems plan, and combo plan give Oklahoma homeowners great options and choices to pick a perfect plan. In addition, Liberty Home Guard has one of the most extensive lists of coverage options on the market. You can add everything from a trash compactor to a water softener with the Liberty Home Guard plan in place. The coverage caps are lower than with most other companies, averaging around $1,500 per covered item. The service fee is slightly below average at $75 per claim.
Here’s a detailed look at Liberty Home Guard’s coverage:
- Appliance Guard ($64.99/month): The Appliance Guard plan covers home appliances only, so it’s not suitable if you need home system protection as well. This plan includes coverage for refrigerators, cooktop exhaust fans, stoves, microwaves, dishwashers, standalone ice makers, ceiling fans, garbage disposals, and garage door openers. It’s a bit expensive for an appliance-only plan, but it has a wide range of coverage.
- Systems Guard ($69.99/month): The Systems Guard plan doesn’t cover any home appliances and instead offers protection for your home systems. You’ll get coverage for your electrical, plumbing, air conditioning, and heating systems. Included in that protection are bathroom exhaust fans, water heaters, toilets, and HVAC ductwork.
- Total Home Guard ($74.99/month): The Total Home Guard plan is the best value for the money and offers the widest range of coverage. It’s only slightly more expensive than the other two options, but it includes all coverages in the Appliance Guard and Systems Guard plans. This is Liberty Home Guard’s highest value plan.
Liberty Home Guard’s plans are quite comprehensive, but there are still an impressive number of add-on coverage options you can choose from to customize your coverage to suit your needs. The available add-ons include:
- Pool and spa
- Additional spa
- Saltwater pool
- Gutter cleaning
- Floor/carpet cleaning
- Sump pump
- Fixtures
- Water softener
- Trash compactor
- Lawn sprinkler system
- Electronics protection
- Swamp cooler
- Ejector pump
- Septic system pumping
- Limited roof leak
- Pest control
- Locksmith
- Free-standing ice maker
- Central vacuum
- Stand-alone freezer
- Re-key
- Second refrigerator
- Wine refrigerator
- Well pump
- TV and PC
- Generator
- Water dispensers
Select Home Warranty
4.2
Our Rating
The Select Home Warranty is the most cost-effective home warranty plan for Oklahoma residents. If you are a Select Home Warranty customer, you will automatically get free roof leak coverage for your Oklahoma home. Select Home Warranty has been an option on the home warranty market for almost ten years. One of the things that really help Select to stand out is its dedication to quality workmanship. The qualification process for a technician or repair personnel is quite difficult and will help ensure that your repair is properly done. Select Home Warranty has a BBB rating of a B which is impressive in the Home Warranty industry.
- Our Take: Most Cost-Effective
- Average Annual Cost: $624-$684
- Response Time: Up to 48 hours
The Select Home Warranty plans come in three different options. There is a systems plan, an appliance plan, and a combo plan that will help to ensure you have a variety of choices for your Oklahoma home. The combination of Platinum Plan tends to be the best overall choice because of the impressive coverage it offers and the fact that it is just a few dollars more per month than the other plans. In addition, there are optional coverages that you can add to further extend the depth of your home warranty policy. Select Home Warranty’s coverage caps tend to be a little lower than competitors, but the service fee — your out-of-pocket cost per service call — is just $60.
Here’s a detailed look at Select Home Warranty’s coverage:
- Bronze Plan ($52/month): The Bronze Plan from Select covers home appliances only, so it’s not ideal if you need home system coverage. This plan includes protection for stoves, ranges, microwaves, refrigerators, garbage disposals, washing machines, clothes dryers, and more. As mentioned above, this plan includes free roof leak coverage as well.
- Gold Plan ($52/month): The Gold Plan doesn’t include any home appliance coverage, but it does protect most of your home’s major systems. You’ll get coverage for your electrical, plumbing, and heating systems. It also covers air conditioners, HVAC ductwork, water heaters, and roof leaks.
- Platinum Plan ($57/month): The Platinum Plan offers the widest range of coverage, as it includes everything in both of the other plans for just $5 more per month. This is an outstanding value, and it gets even better by adding coverage for ceiling fans, plumbing blockages, and garage door openers. This is one of the best values in the industry.
Select Home Warranty also offers a decent array of add-on coverage options that you can use to customize any of the above plans. The add-ons include:
- Pool
- Spa
- Septic system
- Well pump
- Sump pump
- Lawn sprinkler system
- Roof leaks
- Central vacuum
- Stand-alone freezer
American Home Shield
4.2
Our Rating
American Home Shield is the most customizable plan in the home warranty industry. Oklahoma residents that want very specific coverage, ensuring that all areas of the home are adequately protected, are going to love the AHS plan. It is a good thing to keep in mind that the American Home Shield company has been on the market for more than 50 years. This is really one of the leaders in the home warranty industry, and their history and reviews will only further help you decide on this brand. American Home Shield may be a bit more expensive than some other plans on the market, but this is a premium coverage option for your home.
- Our Take: Best Customizable Plans
- Average Annual Cost: $419.88-$779.88
- Response Time: Up to 48 hours
There are three plans to choose from with American Home Shield. The two combo or comprehensive plans will be the best choice because they offer both appliance and system coverages for the home. You will find that the coverage limits and caps on the American Home Shield plans are pretty high. This makes plans a good choice for higher-end appliances and systems. In addition, you will always have access to add-on coverages for things like swimming pools and spas. American Home Shield has coverage caps that average around $2,000, and the service call fee is just $60, which is well below the industry average.
Here’s a detailed look at American Home Shield’s coverage:
- ShieldSilver ($39.99/month): The ShieldSilver Plan includes a wide range of appliance protection but no home system coverage. You’ll get coverage for your electrical, heating, and plumbing systems, which includes HVAC ductwork and water heaters. There are also smaller systems included, like air conditioners, garage door openers, and smoke alarms.
- ShieldGold ($49.99/month): The ShieldGold Plan is one step up and includes everything in the previous plan, plus additional coverages. In addition to the coverages in the ShieldSilver Plan, you’ll also get protection for your refrigerator, stove, cooktop, microwave, garbage disposal, dishwasher, water dispensers, clothes washers, and dryers.
- ShieldPlatinum ($64.99/month): The ShieldPlatinum Plan offers the most comprehensive coverage, and it’s the best value for the money. It includes everything in the ShieldSilver and ShieldGold plans, plus free AC tune-ups each year and unlimited refrigerant refills. Added benefits include lower service call fees and higher coverage limits.
Like most other home warranty companies, American Home Shield provides access to some add-on coverages for plan customization, including:
- Electronic extended warranty
- Pool and spas
- Well pump
- Septic pump
- Guest unit
- PC and TV
Home Warranties in Oklahoma Cities
How Much Does a Home Warranty in Oklahoma Cost?
The average home warranty cost in Oklahoma will range in price from $35 a month to around $80 a month. The more add-on coverage you choose, the higher your price will be. In addition, when you choose a lower service fee, some plans will charge a higher monthly price. Coverage caps typically range from $500 to $3,000, although some are unlimited. The average service fee is around $85, but it can range from $60 up to $150.
| Overall | $732.68 |
| Single Family | $608.56 |
| Multi Family | $1,083.26 |
| Townhome | $495.30 |
| Condo | $611.58 |
| Duplex | $880.81 |
| Home Over 5,000 sq ft | $1,294.73 |
| Home Under 5,000 sq ft | $652.83 |
Compare the Best Home Warranty Companies in Oklahoma
Company | Monthly Cost | Service Fee | Coverage Limit | Response Time | Rating | States Covered |
| | $46.83–$54.75+ | $85 | $3,000 | 24–48 hours | 4.0 | 49 states, excluding WA |
| | $49.99–$69.99+ | $65–$125 | $2,000 | 12–48 hours | 4.5 | 50 states |
| | $60.42–$63.75+ | $60–$75 | $3,000 | 24–48 hours | 4.3 | 47 states, excluding NV, WA, and WI |
| | $49.99–$99.99 | $75–$125 | $6,000 | 24–72 hours | 4.2 | 49 states, excluding AK |
| | $30.00–$60.00 | $75–$125 | $3,000 | 24–48 hours | 4.3 | 49 states, excluding HI |
| | $39.99–$54.99 | $100–$125 | $2,000 | 24–48 hours | 4.1 | 48 states, excluding AK and HI |
| | $17.00–$60.00 | $65–$100 | $2,500 | 24–48 hours | 4.0 | 42 states, excluding AK, HI, MT, NH, ND, OK, SD, and WY |
| | $36.00–$46.50 | $75–$125 | $3,500 | 24–48 hours | 3.9 | 34 states, excluding AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, and WI |
Quote and cost data gathered January 2023. Cost data are updated and monitored continuously.
Final Thoughts
Hopefully, you now feel as though you can choose the perfect home warranty plan for your Oklahoma home. These top four choices are the best on the market; however, Choice Home Warranty stands out as the top choice. Choice has affordable pricing, but it still has everything necessary to truly protect your Oklahoma home. Don’t be afraid to get a quote from a wide range of companies to make sure that you get the best possible coverage for your Oklahoma home.
How to Choose the Best Home Warranty in Oklahoma
Hopefully, you now feel more comfortable about the top four home warranty choices on the market. At this point, you will have to determine which of these home warranties is going to be the best for your home. There are a few things that you should consider when determining which of these plans is best. Three of the most important are service fees, the timing of repairs, and coverage options.
- Service Fees: The service fees for the Oklahoma home warranty plans will range from $60 to $125 per repair. If you have older kitchen appliances and systems and think that you will have quite a few repairs, choose an option with a lower service fee.
- Timing Of Repairs: Home warranty companies tend to guarantee that your repair will be complete within 48 hours. However, there are others that offer emergency services. It is smart to research how long the companies say it will take to get your full repair completed.
- Coverage Options: Some home warranty companies offer separate system and home appliance plans. Others offer only combo or comprehensive coverage. You will have to choose which one makes the most sense for your home. Most find that a mix of system and appliance coverage is the best decision.
Along with these general considerations, there are some things you’ll want to think about when choosing a home warranty to ensure you get the coverage you need in Oklahoma.
For example, Oklahomans deal with hot summers that reach above 90 degrees and remain above 70 for much of the year. To combat the heat, most residents will turn to their air conditioning systems, which puts added strain on the equipment. Home warranties that cover AC systems are usually better suited for Oklahoma for this reason.
High humidity is also a concern, as this puts added stress on refrigerators and freezers that work to keep contents cool and dry. Oklahoma has an annual relative humidity of between 60 and 70%, so home warranties that cover refrigerators are often most useful.
Finally, Oklahoma is located in Tornado Alley and experiences more tornadoes than most locations throughout the world. Over time, strong winds can weaken roofing materials, which can gradually lead to leaking. Home warranties that cover roof damage and roof leaks are often the most helpful in OK.
What is a Home Warranty?
It’s easiest to conceptualize a home warranty if you think about it as an insurance policy for your appliances, home systems, or both. They provide protection for your appliances and home systems, and they issue payouts when you need unexpected repairs or replacements.
You pay a monthly premium, and in return, you get peace of mind that repair costs will be covered after you pay a small deductible. In most cases, the deductible or service fee is just $85. Home warranties also have coverage caps, which are limitations on the amount of coverage you can get annually and per covered item.
Home Warranty vs. Homeowners Insurance
It’s helpful to think of a home warranty as being similar to homeowners insurance, but there are several important differences between the two.
One of the biggest differences is in the coverage. Homeowners insurance policies typically cover your entire home, which can include components like your heating system or plumbing system. Home warranties cover individual home systems and appliances. The difference might seem inconsequential, but it means a much more significant difference in when you get paid by each.
Home warranties usually require minimal damages or issues to crop up before they will provide financial coverage. For example, an air conditioning system breakdown or a fridge that stops working because of overuse or normal wear could typically be covered by a home warranty. On the other hand, a homeowners insurance policy normally requires a catastrophe to occur before coverage kicks in. You might only get coverage if a tree falls on your home or if you experience damage after a tornado, hurricane, or other natural disasters.
Finally, homeowners insurance policies often have deductibles that you have to pay out of pocket that are several thousands of dollars. After you pay your deductible, however, the coverage is often on the order of hundreds of thousands. With a home warranty, you pay a deductible — called a service fee — of just $85 on average, but the coverage caps are often much lower than with a home insurance policy — around $2,500, on average.
How Does a Home Warranty in Oklahoma Work?
Signing up for a home warranty and getting protection for your home is a simple process. You just need to choose a home warranty provider, pick a plan that suits your needs, and pay the cost of the plan. You might want to choose add-on options as well. Once you sign up, you need to wait for coverage to kick in, which usually takes between 30 and 90 days. After you have coverage, you can follow the below steps to request service:
- Find an issue in your home that is covered by your home warranty
- Contact your service provider to report the issue and request service. In most cases, you will need to do this by phone call or on the company’s website. Some companies have mobile apps that make the process even easier
- Your home warranty company will assign a technician to your issue and send them to the property to fix the problem or replace the faulty appliance or component
- You pay the service fee — which averages around $85 — and enjoy the reduced overall cost of repair or replacement
What does a Home Warranty Cover?
Every home warranty policy covers different things, so it’s impossible to say with certainty what your plan will protect. However, most home warranties include coverage for home appliances or major home systems, and the best home warranties cover both.
Common appliances covered include refrigerators, ovens, cooktops, cooktop exhaust fans, microwaves, dishwashers, garbage disposals, clothes washers, and clothes dryers. For plans that cover systems, you’ll often get protection for your heating, plumbing, and electrical systems, air conditioners, water heaters, and HVAC ductwork. Again, every service plan is different, so you should check your service contract for specifics.
Most home warranties also have options for add-on coverage, which provide extra protection for a higher monthly fee. Some common add-on options include pools and spas, attic fans, sump pumps, well pumps, outdoor utility lines, doorbells, and more.
What is Not Covered by a Home Warranty?
You will also need to check your service contract for information about what is not covered, as this can vary from company to company and plan to plan. Most home warranties won’t cover pre-existing home issues, intentional damage, cosmetic repairs, or repairs needed due to a lack of maintenance.
Biggest Complaints about Home Warranty Companies in Oklahoma
Most Oklahoma residents are pleased with the service they get with their home warranty, but there are some complaints that crop up more often than others in negative reviews.
One of the most common complaints is that coverage is denied despite it being for a covered item. In some cases, this is due to signing with a less-reputable home warranty company, as they can sometimes deny coverage to save money on repairs and replacements. It’s important always to work with a reputable service provider to avoid this issue.
In other cases, denial could be due to exclusions in your contract, like damage caused by improper maintenance of a home system. Make sure you read your service contract for exceptions and non-covered situations.
Another complaint that appears more often is that home warranty coverage isn’t suitable for emergencies, like an air conditioning system going down in the middle of summer. Most home warranties have a turnaround time of around 48 hours before a technician can get to your house. If you need a warranty that can cover emergencies, make sure to choose one that has an average turnaround time of 24 hours or less.
Are home warranties worth it?
A home warranty is well worth the money that you pay in most cases. The pricing tends to scare homeowners at first until you take a look at what was spent on home-related repairs and replacements in the last few years. Chances are you have spent thousands of dollars on things like AC repair, refrigerator repair, or even a garage door opener replacement. The home warranty will quickly pay for itself and be well worth the money invested.
Consider the example of calling a plumber out to your home. The average service call without a home warranty is around $300, and major repairs can easily creep above $1,000. With a home warranty, that same issue will typically only cost you around $85, and the rest will be covered.
Similarly, a major appliance repair averages around $400, and total replacement can be above $3,000 if the damage is too severe to fix. Again, with a home warranty, you’ll pay an average of $85 for the service fee and save a large sum of money.
FAQs about Home Warranties in Oklahom
What is the best home warranty company in Oklahoma?
The best home warranty company in Oklahoma is Choice Home Warranty. This company has very extensive coverage, decent add-on options, overall fair pricing, and many years of experience in the industry. It’s hard to beat the customer service provided by Choice Home Warranty or the peace of mind and overall value you get when you choose one of its plan options.
What is a service fee?
The service fee is the price you pay each time you need to get a repair done on your Oklahoma home. The service fees tend to cost between $60 and $125. The lower service fees tend to make a policy much more affordable.
Who needs a home warranty?
Every homeowner can benefit from a home warranty, as they can save hundreds or thousands of dollars in repairs and replacements for some of the largest home repairs you might need. With that being said, there are some individuals who will benefit most. First-time homebuyers moving into a new home can get peace of mind from a home warranty, as can sellers in the real estate market who want to reduce the cost of repairs leading up to closing. Homeowners living in older homes — like many in Tulsa and other well-established cities — can also benefit greatly, as can landlords who want home protection plans to mitigate repairs for their tenants.
Today's Homeowner Home Warranty Ranking Methodology
At Today's Homeowner, transparency and trust are our most important values for the reader.
To create this rating system, our team spent hours researching over 60 companies, analyzing 2500+ key data points, getting the thoughts and opinions of 1000+ homeowners, and speaking to home warranty company representatives directly. We also dug into the fine print on each company’s service agreement to ensure no detail was left out.
We developed an objective home warranty review and rating methodology to score each home warranty company based on several criteria. We used a five-point scale with a point index ranging from 0.00 to 1.00. The minimum awardable value is 0.0, whereas 1.00 is the maximum. These numeric points are translated into star ratings, using whole star increments between one and five.
Here is a quick breakdown of our five core scoring categories:
- Coverage (0.4): This category evaluates the scope of protection offered by a home warranty provider. We clearly distinguished between limited or broad coverage to help homeowners identify their own home protection needs. We also factor in claim turnaround times, average waiting period lengths, plan types, annual coverage limits, policy exclusions, etc.
- Cost (0.3): This category considers what home warranty companies charge homeowners monthly, annual, and out-of-pocket. We urge homeowners also to consider the cost-to-value ratio of a home warranty plan.
- Transparency and Trustworthiness (0.15): This category evaluates home warranty providers based on pending or past legal action, hidden fees, lack of information readily available on the website, exclusions, and more. We consider how upfront a company is to its potential policyholders, which says a lot about its products and services.
- Customer Support and Satisfaction (.09): This category evaluates the efficacy of a home warranty company’s effort to provide supportive guidance to inquiring customers and how policyholders are satisfied with the assistance they receive.
- Customization (.06): This category evaluates the ability of homeowners to adjust and choose their policy details, such as pricing variation, optional add-ons, and the number of plans available.
