Written By Todays Homeowner Local Pros
Last Updated May 2023
Considering purchasing a home warranty? One of our top home warranty companies can help. Atoka gives homeowners some great housing options and the opportunity to enjoy the seasons. However, the variable temperatures can do a number on your home's systems, such as your HVAC.
A home warranty can help protect homebuyers and current homeowners by covering major repairs and replacements on your home's appliances and systems. Finding the best home warranty on the market can be quite time-consuming since there are so many companies to decide between. That's why the Today's Homeowner team did the research and made a list of the top home warranty companies in Atoka for you.
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
In Atoka, Choice Home Warranty offers the best overall home warranty. Choice has 2 plans for homeowners to choose from. When you purchase a policy 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.
The 2 plans from Choice Home Warranty are Basic Plan and Total Plan. Service fees from Choice are an affordable $85. The coverage caps are also typically about $3,000.
To get a free quote from Choice Home Warranty, fill out this online form or call 929-400-6164. For more information, read our review of Choice Home Warranty.
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 offers the most cost-effective home warranty in Atoka. Select has been in the home warranty industry for over 11 years. If you're looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the home warranty for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer both system and appliance coverage.
The plans that Select offers to homeowners are Bronze Care Plan, Gold Care Plan, and Platinum Care Plan. Service fees from Select are a reasonable $60. The coverage caps are also generally about $2,000.
Read more by visiting our Select Home Warranty full review. 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 offers the most customizable home warranty in Atoka. The 3 plans that AHS offers include options for appliance and system coverage. When you buy a policy 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 offers 3 plans for Atoka homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS's service fees are customizable and range from $75 to $125, and the coverage limits come out to around $2,500 per covered system or appliance.
To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839. Read more by visiting our review of American Home Shield.
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
In Atoka, The Home Service Club is the best home warranty with the quickest service. With a home warranty from HSC, you can enjoy quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. Not to mention, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for you to decide between.
The 2 plans from The Home Service Club are Standard Coverage Plan and Comprehensive Coverage Plan. The coverage caps from HSC are about $2,000. The service fees are customizable and range from $65 to $90, which is less than other providers in the Atoka area.
Read more by visiting our review of The Home Service Club. To receive a free quote from The Home Service Club, fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
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
Isn’t available in 2 states
Won’t cover known or unknown pre-existing conditions
Liberty Home Guard offers the most trustworthy home warranty for Atoka residents. Liberty has over 6 years of experience in the home warranty industry, and has provided great customer service at an affordable cost to its customers. Liberty has established itself as a company with a seamless complaint process and guaranteed service professionalism upon every repair visit. It also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 simple plans, making the selection process quick and easy.
The plans that Liberty offers to homeowners are Appliance Guard, Systems Guard, and Total Home Guard. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the provider. Service fees are an affordable $75.
For more information, read our review of Liberty Home Guard. To receive a free quote from Liberty Home Guard, fill out this online form or give them a call at 866-451-2281.
Total Home Guard
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
In Atoka, First American Home Warranty is the best home warranty for appliance coverage. The 2 home warranty plans that First American offers include options for appliance and system coverage. 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.
The plans that First American offers to homeowners are Basic Plan and Premier Plan. First American has coverage caps of around $1,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the company. Service fees are a reasonable $85.
To get a free quote from First American Home Warranty, fill out this online form or call 833-204-7164. Read our comprehensive review of First American Home Warranty to learn more.
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
In Atoka, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has established itself as a company with a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. It also has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easy to understand and offer a mix of both system and appliance coverage.
Cinch Home Services offers 3 plans for Atoka homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so be sure to check with the provider. Service fees are customizable and range from $75 to $150.
To read more, visit our Cinch Home Services full review. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Built-in Systems Plan
Complete Home 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|
A home warranty is a service contract that covers the cost of repairing or replacing major home systems and appliances when they break down over time due to normal wear and tear. Having one in place can give you some peace of mind and prevent you from paying unexpected out-of-pocket costs. Most home warranty plans take effect about 30 days after buying the home warranty.
For Atoka homeowners, it is very simple to file a claim when a problem happens with a covered appliance or system. Most home warranty providers have an online portal where you can file a claim.
The claim is then processed, and a homeowner will pay a predetermined service fee to schedule the repair. This repair will usually occur within 24 to 72 hours and there shouldn't be any out-of-pocket expenses. Most service fees are between $60 and $150.
A home warranty in Atoka provides coverage for the main appliances and systems in a home. The appliances commonly covered under a home warranty plan are the dryer, microwave, oven, dishwasher, washing machine, refrigerator, and more. System coverage typically includes heating, air conditioning, electrical systems, plumbing, and more.
Add-on coverage will vary from plan to plan, but you can expect to see things like pools, spas, roof leaks, sump pumps, central vacuums, and electronics.
An important thing to consider is that home warranties only cover normal wear and tear that occurs on your home systems and appliances. Things such as pre-existing conditions, lack of maintenance, misuse, and cosmetic damages are excluded from the home warranty policy.
Home warranty plans are an affordable way to protect your home systems and appliances from normal wear and tear. With temperatures in Atoka reaching an average high of 70℃F, you may find that some appliances, such as your air conditioning system, get a lot of use. A home warranty can considerably bring down out-of-pocket expenses should your HVAC system stop working.
Not only does a home warranty provide some savings, but it also saves you time. If an appliance breaks down, the last thing you want to do is find a repair person and schedule a repair. A home warranty takes care of the research by sending trusted professionals to your door when you need them most.
As for the drawbacks of home warranties, coverage varies by provider, so it's important to understand what each plan covers and excludes in the contract.
Another thing to consider is that some companies don't cover pre-existing conditions and may require an inspection before coverage begins. Ask the home warranty provider for clarification about it if you aren't sure or if this is an issue for you.
Choosing the right company for your home warranty is a step you can take to help protect your home. Before deciding which home warranty to buy, here are a few other factors to consider:
Our pick for the best overall home warranty company in Atoka is Choice Home Warranty, but the right company for you will vary based on factors such as what appliances and systems you need to have covered.
A home warranty helps protect against the normal wear of home systems and appliances. Homeowners insurance protects the entire home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new refrigerator or air conditioner, unless the damage is due to a natural disaster, which are not that common in Atoka.
A home warranty plan can protect you from high-cost repair bills, but only if you choose a good quality plan from a trustworthy company. When picking a home warranty company to purchase a plan from, you should look for things like its customer service and availability in your area. In addition, you should take into account the coverage the company offers and what kinds of appliances and systems are protected. Homes that have new appliances or systems can get by on a plan with less coverage.
Home warranty plans typically last a year. Many companies let you renew your plan yearly, which can be beneficial in Atoka for more protection against something like your air conditioner needing repairs when you require it the most.
Many homeowners find a home warranty is worth it since it can help protect against unexpected expenses, and saving money is important with the cost of living going up in Atoka. If you're worried about your budget and your ability to keep your home in good working order, getting a home warranty can help. One of the major advantages of a home warranty is that it can give you some financial peace of mind.
A home warranty policy can cost on average anywhere from about $300 to $800 a year in Atoka. Our high-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can reduce your monthly bill with some companies by opting for a higher service fee. Additionally, it's typically cheaper to pay annually rather than monthly. For example, the warranty might cost $50 a month or $570 for 13 months. In this example, opting for the annual plan over monthly payments saves you $80. The key is to compare plans to determine what the best price is.
Usually coverage for a home warranty begins 30 days after payment. However, a few companies may let you file a claim before this, so check with customer service to find the exact waiting period for your case.