Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Our editorial team is committed to creating independent and objective content focused on helping our readers make informed decisions. To help support these efforts we receive compensation from companies that advertise with us.
The compensation we receive from these companies may impact how and where products appear on this site. This compensation does not influence the recommendations or advice our editorial team provides within our content. We do not include all companies, products or offers that may be available.
Last Updated: February 25, 2025
The cost of maintaining a home in Elk City can be expensive, particularly as your home ages and your systems and appliances have to be updated or repaired. A home warranty is a way to protect your bank account from unexpected expenses. With a home warranty in place, your repair costs can be significantly lower and allow you to live in your home with more peace of mind.
The home warranty market is saturated with many providers — all with different offerings — so our team at Today's Homeowner has done the research to help you find the best home warranty companies in Elk City.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard is the most trustworthy home warranty for Elk City residents. Liberty has about 6 years of industry experience and in that time has built a a skilled network of service technicians nationwide. Liberty offers 3 plans for homeowners to choose from. When you buy a home warranty from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. Liberty’s service fees are an affordable $75, and the coverage caps come out to around $3,000 for each covered system or appliance.
To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281. For more information on this provider, read our detailed review of Liberty Home Guard.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
Choice Home Warranty is the best overall home warranty for Elk City residents. Choice has about 15 years of industry experience and in that time has built a a skilled network of service technicians nationwide. Choice offers 2 plans for homeowners to choose from. When you buy a home warranty from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. Choice’s service fees are an affordable $85, and the coverage caps come out to around $3,000 for each covered system or appliance.
To receive a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164. For more information on this provider, read our detailed review of Choice Home Warranty.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
Select Home Warranty is the most cost-effective home warranty for Elk City residents. Select has about 11 years of industry experience and in that time has built a a skilled network of service technicians nationwide. Select offers 3 plans for homeowners to choose from. When you buy a home warranty from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. Select’s service fees are a reasonable $60, and the coverage caps come out to around $2,000 for each covered system or appliance.
To receive a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953. For more information on this provider, read our detailed review of Select Home Warranty.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
American Home Shield is the most customizable home warranty for Elk City residents. AHS has about 26 years of industry experience and in that time has built a a skilled network of service technicians nationwide. AHS offers 3 plans for homeowners to choose from. When you buy a home warranty from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. AHS’s service fees are customizable and range from $75 to $125, and the coverage caps come out to around $2,500 for each covered system or appliance.
To receive a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839. For more information on this provider, read our detailed review of American Home Shield.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
First American Home Warranty is the best home warranty for appliance coverage for Elk City residents. First American has about 39 years of industry experience and in that time has built a a skilled network of service technicians nationwide. First American offers 2 plans for homeowners to choose from. When you buy a home warranty from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. First American’s service fees are a reasonable $85, and the coverage caps come out to around $1,500 for each covered system or appliance.
To receive a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164. For more information on this provider, read our detailed review of First American Home Warranty.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
Cinch Home Services is the home warranty with the best workmanship guarantee for Elk City residents. Cinch has about 44 years of industry experience and in that time has built a a skilled network of service technicians nationwide. Cinch offers 3 plans for homeowners to choose from. When you buy a home warranty from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. Cinch’s service fees are customizable and range from $75 to $150, and the coverage caps come out to around $1,000-$2,000 for each covered system or appliance.
To receive a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505. For more information on this provider, read our detailed review of Cinch Home Services.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
The Home Service Club is the best home warranty with the quickest service for Elk City residents. HSC has about 15 years of industry experience and in that time has built a a skilled network of service technicians nationwide. HSC offers 2 plans for homeowners to choose from. When you buy a home warranty from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. HSC’s service fees are customizable and range from $65 to $90, and the coverage caps come out to around $2,000 for each covered system or appliance.
To receive a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443. For more information on this provider, read our detailed review of The Home Service Club.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,760 |
| Heating | $3,840 |
| Electrical | $576 |
| Toilets | $480 |
| Washer/Dryer | $768 |
| Plumbing | $576 |
| Oven | $1,536 |
| Fridge | $576 |
A home warranty is a protection plan that assists Elk City homeowners cut the high costs of household repairs. These plans provide financial protection to repair or swap out appliances and systems that stop working from normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the fix or replacement. The only time you may pay out-of-pocket is if the repair or replacement costs exceed the item's coverage limit. A home warranty policy gives homeowners a sense of security and can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with systems near the end of their life span. However, newer homes with modern appliances and fixtures may not require a home warranty.
Home warranties protect your home systems and appliances. Common appliances covered include dryers, washers, dishwashers, refrigerators, microwaves, garbage disposals, and more. Covered systems are usually electrical, heating, plumbing, and air conditioning. Many home warranty providers offer add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. It's important for Elk City homeowners to understand most home warranty plans have a 30-day waiting period before repairs are covered. The majority of policies also only cover repairs and replacements resulting from normal wear and tear. Home warranties don't include pre-existing conditions, cosmetic issues, natural disasters, or improperly using a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Before agreeing to a home warranty contract, you should know key terms like:
There are several important factors to consider when choosing a home warranty provider:
Home warranties have significant variation in what they include. Basic plans typically cover AC, heating, electrical, plumbing, and appliances, while more comprehensive options may also cover pools, roof leaks, spas, and well pumps. Look for companies with a diverse range of coverage options, including upgraded plans. This helps you tailor protection to your home's needs.
Expect to pay a per-service fee of $60-100 for each home warranty claim. With these per-request costs adding up over time as you file claims, some homeowners prefer to choose a company with more affordable fees to maximize savings. Some companies also do away with deductibles for homeowners who don't file claims in a certain period.
A home warranty provider's rating provides insight into things such as claim approval rates, contractor quality, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as Google Reviews, the Better Business Bureau (BBB), or TrustPilot to research providers. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty companies use networks of local repair professionals to manage repairs in a given area. Reach out to potential providers to ask how many repair professionals they have in Elk City and get an idea of how quickly your repairs could be handled in an emergency. More extensive networks increase the probability of getting qualified contractors to quickly service your home.
Some home warranty providers may include perks such as smart home device coverage, energy efficiency upgrades, and reduced maintenance fees. These can provide extra value beyond repair coverage. Added bonuses let you enhance your home and get the most from your warranty policy.
Since temperatures in Elk City can easily reach 100 degrees, the extreme weather can put a lot of strain on your air conditioner. Purchasing a home warranty plan can help homeowners save money if one of these systems or appliances breaks all of a sudden.
Not only can a home warranty save you some money on repairs and replacements, it saves you time as well. Instead of vetting service technicians yourself, home warranty companies do the work for you and send pre-screened technicians right to your door when you need them. Plus, having a home warranty can make your house more attractive to potential homebuyers should you ever decide to sell later. Many home warranty providers will allow you to transfer your plan to a new owner and give them the protection you’ve been receiving.
There are also some drawbacks to buying a home warranty policy, like the coverage exclusions. For example, home warranties may not cover systems or appliances that are already covered under a manufacturer's warranty.
Additionally, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything other than normal wear and tear — the home warranty may not cover it.
A home warranty in Elk City can cost anywhere from $30 to $60 a month. Higher-priced plans usually have a lower service fee, broader coverage, and higher coverage limits. Home warranties are often cheaper when you pay annually instead of monthly. Some providers will also lower your up-front costs when you agree to a higher service fee.
Home warranties and home insurance differ in what kinds of damage they cover. Home warranty plans cover issues related to home systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different kind of plan that protects an entire home from natural disasters, which might not be too much of a concern in Elk City. It doesn't cover a typical appliance or system repairs.
First-time homebuyers, home sellers, landlords, real estate agents, and homeowners can all get home warranty plans. A home warranty can help make your property more attractive to prospective buyers and save you money in the long run.
A home warranty policy can cover your home’s systems, appliances, or both. Combination plans are beneficial if you need more coverage for your home, but a system- or appliance-only plan can be a good idea if you want to save some money.
Generally, a home warranty lasts for a year and can be renewed annually. Some companies may offer month-to-month plans.
Usually, the homeowner is responsible for paying the premium and service fees. However, if you have just bought a new home, sometimes the seller is the one who paid for the policy. This can then be given to the new homeowner, who has to pay the service fees when using the policy. In Elk City, where the median home value is $88,355, having the seller pay for the home warranty can save you some money on your new home.
