Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated April 2024
Buying a home is a big step for many people, but maintaining it can be costly over time, especially if your home in Stillwater is on the older side. A home warranty in Stillwater can help bring down your out-of-pocket costs by covering repairs or replacements to major home appliances and systems that stop working due to normal wear and tear.
Finding the best home warranty on the market can be overwhelming, since there are lots of companies to choose from. That’s why our team at Today's Homeowner did the research and compiled a list of the top home warranty companies in Stillwater for you.
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 in Stillwater. Liberty is a home warranty company with 6 years of experience in the industry, and it has established itself as one of the best providers in the business. Liberty has 3 simple plans, making the selection process easy. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry.
There are 3 home warranty plans from Liberty Home Guard: Appliance Guard, Systems Guard, and Total Home Guard. Service fees from Liberty are an affordable $75. The coverage caps are also generally around $3,000 at the maximum.
For more information, read our comprehensive review of Liberty Home Guard. To get a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
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 in Stillwater. Choice is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. Choice has 2 simple plans, making the selection process easy. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties.
There are 2 home warranty plans from Choice Home Warranty: Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also generally around $3,000 at the maximum.
For more information, read our comprehensive review of Choice Home Warranty. To get a free quote from Choice Home Warranty, fill out this online form or give them a call at 929-400-6164.
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 in Stillwater. Select is a home warranty company with 11 years of experience in the industry, and it has established itself as one of the best providers in the business. Select has 3 simple plans, making the selection process easy. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance.
There are 3 home warranty plans from Select Home Warranty: Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally around $2,000 at the maximum.
For more information, read our comprehensive review of Select Home Warranty. To get a free quote from Select Home Warranty, fill out this online form or give them a call at 888-370-3953.
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 in Stillwater. AHS is a home warranty company with 26 years of experience in the industry, and it has established itself as one of the best providers in the business. AHS has 3 simple plans, making the selection process easy. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies.
There are 3 home warranty plans from American Home Shield: ShieldSilver, ShieldGold, and ShieldPlatinum. Service fees from AHS are customizable and range from $75 to $125. The coverage caps are also generally around $2,500 at the maximum.
For more information, read our comprehensive review of American Home Shield. To get a free quote from American Home Shield, fill out this online form or give them a call at 888-365-2839.
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 in Stillwater. First American is a home warranty company with 39 years of experience in the industry, and it has established itself as one of the best providers in the business. First American has 2 simple plans, making the selection process easy. If you’re looking for very affordable and comprehensive appliance coverage, this is the plan for you. Plus, it 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.
There are 2 home warranty plans from First American Home Warranty: Basic Plan and Premier Plan. Service fees from First American are a reasonable $85. The coverage caps are also generally around $1,500 at the maximum.
For more information, read our comprehensive review of First American Home Warranty. To get a free quote from First American Home Warranty, fill out this online form or give them a call at 833-204-7164.
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 in Stillwater. Cinch is a home warranty company with 44 years of experience in the industry, and it has established itself as one of the best providers in the business. Cinch has 3 simple plans, making the selection process easy. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind.
There are 3 home warranty plans from Cinch Home Services: Appliances Plan, Built-in Systems Plan, and Complete Home Plan. Service fees from Cinch are customizable and range from $75 to $150. The coverage caps are also generally around $1,000-$2,000 at the maximum.
For more information, read our comprehensive review of Cinch Home Services. To get a free quote from Cinch Home Services, fill out this online form or give them a call at 877-589-0505.
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 in Stillwater. HSC is a home warranty company with 15 years of experience in the industry, and it has established itself as one of the best providers in the business. HSC has 2 simple plans, making the selection process easy. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee.
There are 2 home warranty plans from The Home Service Club: Standard Coverage Plan and Comprehensive Coverage Plan. Service fees from HSC are customizable and range from $65 to $90. The coverage caps are also generally around $2,000 at the maximum.
For more information, read our comprehensive review of The Home Service Club. To get a free quote from The Home Service Club, fill out this online form or give them a call at 800-750-9443.
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 | $5,996 |
| Heating | $3,998 |
| Electrical | $600 |
| Toilets | $500 |
| Washer/Dryer | $800 |
| Plumbing | $600 |
| Oven | $1,599 |
| Fridge | $600 |
A home warranty is a protection plan that helps Stillwater homeowners cut the expenses of appliance and system repairs. The plans provide financial coverage to repair or replace appliances and systems that stop working due to normal wear and tear.
When something breaks down, you submit a claim and pay a service fee. The home warranty provider then finds a contractor to handle the fix or replacement. Homeowners may have out-of-pocket costs only if the repair or replacement exceeds the item's coverage limit. A home warranty policy gives homeowners peace of mind and can help avoid expensive emergency repairs. They can be especially helpful for buyers of older homes or homes with appliances near the end of their life span. However, newer homes with appliances and fixtures in good condition may not need a home warranty.
Home warranties cover your home systems and appliances. Covered appliances typically include dryers, dishwashers, garbage disposals, washers, microwaves, refrigerators, and more. Covered systems include heating, air conditioning, plumbing, and electrical. Many home warranty companies also provide additional coverage for roof leaks, septic systems, central vacuums, and locksmiths. It's important for Stillwater homeowners to understand most home warranty plans have a waiting period of 30 days before repairs are covered. The majority of policies also only cover repairs and replacements due to normal wear and tear. Home warranties don't include cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. Stay current with preventative maintenance to ensure your next repair or replacement is covered.
Here are some essential home warranty terms to know before signing a contract:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty policies can have major differences in covered items. Most plans cover plumbing, heating, electrical, AC, and appliances. More inclusive options also include coverage for other items such as spas, roof leaks, pools, and well pumps. Look for companies with varied coverage options, including upgraded plans. This helps you customize your plan to your needs.
You'll pay a repair fee, normally ranging from $60–100 for each claim filed with your home warranty provider. These fees to accumulate quickly with each claim, so you may look for companies advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles when a homeowner submits no claims in a defined period.
A home warranty company's reputation provides insights into factors such as contractor expertise, claim approval rates, repair speed, and customer satisfaction. Check review sites like the Better Business Bureau (BBB), TrustPilot, or Google Reviews to learn more about companies. Favorable feedback and ratings suggest a company known for providing quality service.
Home warranty companies have networks of professionals that they use to tackle covered repairs. Larger networks increase the probability of getting qualified contractors to your home swiftly. Contact possible providers to find out how many repair professionals they have in Stillwater to understand how long repairs might take in an urgent situation.
Some home warranty plans offer extras such as maintenance discounts, smart home device protection, and energy efficiency upgrades. These perks can add value beyond repair coverage. Extra bonuses maximize the usefulness of your home warranty.
Temperatures in Stillwater can get quite high in the summer, which means your air conditioner is most likely going to get a decent amount of use. As a homeowner in Stillwater, one of the benefits of having a home warranty is that these home systems and major appliances can be covered in the event they need to be repaired or replaced.
Along with saving you money on out-of-pocket expenses, a home warranty can give you peace of mind and save you the hassle of trying to find a qualified contractor to visit your home. Home warranties usually come with a network of pre-vetted contractors who can handle any repair issues you may have. Another added benefit of having a home warranty policy is that it can increase your home’s property value. If you ever decide to sell your home, you may be able to transfer your home warranty plan to the new homebuyer depending on the company you purchased your home warranty through.
As for the downsides of home warranties, system and appliance coverage varies by company, so it’s important to understand what each plan covers and doesn’t include in the contract.
Plus, if you don’t maintain your home systems or appliances properly, or if they need repairs due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty costs, on average, around $300 to $600 a year in Stillwater. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can lower your monthly bill with some companies by opting for a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what types of damage each covers. A home warranty plan covers normal wear and tear to systems and appliances in a home. A homeowners insurance plan protects your home in a situation such as a natural disaster or fire. Under a homeowners insurance plan, you won't be able to file a claim should you need a new dryer or air conditioner, unless the damage is a result of a natural disaster, which is somewhat common in Stillwater.
A home warranty can help homebuyers, home sellers, real estate agents, homeowners, and investors. It can offer peace of mind and savings to anyone involved in homeownership.
A home warranty will cover your home’s appliances, systems, 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.
Home warranty plans usually offer coverage for a year. Many companies let you renew your plan each year, and some offer month-to-month plans as well.
Generally, the homeowner is the one who 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 transferred to the new homeowner, who will pay the service fees. In Stillwater, where the median home value is $233,557, having the seller pay for the home warranty can save you some money on your new home.
