Top 5 Best Home Warranty Companies in Oklahoma (2024)


You may be thinking, “Home warranty policies don’t cover everything. They’re just a waste of money,” and that’s a valid point with the rampant existence of scammy providers in the industry. Home warranties cover damage on the things inside your home, like your appliances and home systems (electrical, plumbing, heating, etc.), but there are often exclusions in the fine print that can make it difficult for you to get your claims covered. Providers won’t just give you a brand-new appliance if something breaks, and using your own preferred technician can be tricky. However, some home warranty policies can be extremely beneficial to homeowners. I’m skeptical of home warranties by nature, so in this article, I lay out the facts and help you decide if a home warranty policy is right for you.

I’ve rounded up the best home warranty companies in Oklahoma and used Today’s Homeowner’s specific review criteria to rank these providers. Additionally, while secret shopping, I’ve obtained warranty quotes from several companies for a two-bedroom home in Oklahoma City, painstakingly reviewed sample contracts, and scoured the internet to find the most accurate customer reviews. I’ve ranked them according to their plans, coverage, affordability, reputation, customer service, and more. Read on to see how these companies do and how they stack up against the competition.

Highlights

  • Liberty Home Guard is a clear winner in my book. Its wide range of unique add-ons and the emergency services in its contracts give it a leg up on the competition, and its positive consumer reviews only sweeten the deal. In my opinion, Liberty is the total package, where other providers fall short.
  • Before purchasing, always read the ENTIRE sample contract, especially the exclusions and coverage limits. I can’t stress this enough. There are catches and surprises most of the time, so be sure to read carefully. Most companies don’t cover damage caused by weather, and since Oklahoma is in the heart of Tornado Alley, that’s important to consider.
  • In many cases, I recommend that you don’t purchase a home warranty policy. The coverage almost always isn’t as foolproof as you want it to be, and if you buy reliable appliances in the first place, sometimes it makes more sense to just save up and pay out of pocket for a new one after its lifetime is over.

Why Trust Us?

Here’s how we ranked and reviewed the nation’s top home warranty companies to bring you the most accurate information.

76

Our team of experts reviewed over 70 home warranty providers to compare plan options, coverage limits, prices, and customer feedback.

152

We collected over 100 sample quotes from dozens of home warranty companies to give you an accurate look at industry pricing.

6

Our rating system scores providers based on 6 key factors: coverage options, affordability, customer experience, reputation, claims processes, and availability.

Read our full Home Warranty Review Methodology for more details.


Top 5 Oklahoma Home Warranty Companies


My Expert Recommendation

If you care about customer satisfaction and overall reliability, I recommend the Total Home Guard plan from Liberty Home Guard. Liberty Home Guard has the highest company reputation score out of all the companies on our list, and having read through all the competition’s sample contracts, I feel more comfortable choosing it than any other company because it doesn’t have any glaring red flags or scammy terms and conditions.

However, if I owned more expensive appliances or home systems and wanted to make sure they were entirely covered with my policy, I’d look elsewhere since Liberty Home Guard only offers a $2,000 coverage limit on most items.  First American Home Warranty and American Home Shield have high coverage limits that start at almost double what Liberty offers. If you value coverage limits, I’d recommend either First American Home Warranty or American Home Shield.
Are you curious to learn more about what a home warranty is and how it works? If so, watch the video below from one of our top brands.

Today’s Homeowner Tips

If you care about customer satisfaction and overall reliability, I recommend the Total Home Guard plan from Liberty Home Guard. However, if I owned more expensive appliances or home systems and wanted to make sure they were entirely covered with my policy, I’d look elsewhere since Liberty Home Guard only offers a $2,000 coverage limit on most items.


Oklahoma Home Warranty Companies I Didn’t Include

I didn’t include Choice Home Warranty on my list because I discovered that it’s currently subject to a class-action lawsuit filed by the Arizona Attorney General’s Office in 2019. Choice Home Warranty is an otherwise reputable company and has a guarantee that they’ll request a service technician within four hours of when you submit a claim. However, knowing about the lawsuit, I didn’t feel comfortable recommending Choice Home Warranty to readers.


Compare The Highest-Rated Home Warranties In Oklahoma

Company Star Rating Best For Monthly Cost Service Fee Response Time BBB Rating

VISIT SITE

Best for Customization

$50-$60

$75

12-48 hrs.

NR

Best Coverage Limits

$35–$75

$100–$125

24-72 hrs

B

VISIT SITE

Best Customer Ratings

$44.99-$58.99

$70

48 hours

A+

choice home warranty logo

VISIT SITE

Best Claims Acceptance

$46–$55

$85

24-48 hrs.

B

select home warranty logo

VISIT SITE

Best Value

$52–$58

$60

24-48 hrs.

B

VISIT SITE

Best for Additional Benefits

$38–$62

$75–$125

48 hours

B

first american logo

VISIT SITE

Best Appliance Coverage

$38–$48

$75–$125

48 hours

B

Best for Preventative Maintenance

$28–$68

$100–$150

2–24 hrs

B

Quote and cost data gathered January 2024. Cost data are updated and monitored continuously.


Our Reviews of the Best Oklahoma Home Warranties

Best for Customization

Liberty Home Guard

4.6

Our Rating

Limited Time:

$200 Off + 2 Months free + Free Roof Leak Coverage

The thing that struck me most about Liberty Home Guard is its ratio of positive customer reviews.  It’s not common for home warranty companies to score very positively on customer review sites since most people leave reviews to complain. Still, Liberty scored over 90% positive reviews on most platforms, higher than any other company on this list. Firsthand accounts say the most about a company, and in Liberty’s case, they offer plenty of peace of mind.

Liberty also has 42 different add-on options, which is more than any of the competition. These add-ons include unique items like trash compactors, casita guest units, reverse osmosis water filtration systems, and more. In terms of customization, Liberty’s ample offerings take the cake.

Liberty Home Guard’s prices may be the biggest downside to its plans, but I wouldn’t say that the company’s plans are highly overpriced. Liberty’s most affordable plan costs $49.99 a month, which may be an obstacle to those looking for cheaper coverage. Still, some competitors offer premium plans that cost much more than Liberty’s Total Home Guard Plan ($59.99). For example,  AFC Home Club’s premium plan is $89, and First American Home Warranty’s is $72. Additionally, Liberty has only been in business for around seven years (since 2017), so it lacks the experience that other companies have. Companies like ​​First American Home Warranty and American Home Shield have been in business since the 1990s so that puts Liberty’s newness in perspective.

Another small qualm I have with Liberty is that it excludes known or unknown preexisting conditions. While this is standard policy for home warranties, the unknown conditions can come back to bite you when it’s time to submit claims. However, Liberty still has the most positive reviews on our list, so this exclusion doesn’t strike me as a huge red flag.

Liberty Home Guard is my top choice for a home warranty provider because of its reliability, positive customer reviews, and wide range of coverage options. Liberty offers 42 available add-ons, which is probably overkill for most homeowners but still helpful to have. One of my favorite features is that Liberty covers up to two portable window air conditioning units per home, while most other providers don’t cover window units at all. This shows that even in terms of comprehensive coverage, Liberty goes above and beyond.

In my opinion, the best plan that Liberty Home Guard offers is the Total Home Guard plan ($59.99) since it’s a good bargain for total home coverage. The Appliance Guard plan ($49.99) seems overpriced since it doesn’t cover any home systems, and the Systems Guard plan ($54.99) is basically the same price as the comprehensive coverage. If you’re interested in Liberty Home Guard, you might as well spend the extra $5 to $10 and get the Total Home Guard plan.

We gave Liberty Home Guard a perfect score for its plans and coverage since it has 42 available add-ons and affordable, comprehensive coverage. Liberty’s Total Home Guard plan is a major bargain since it’s only $5 more expensive than the Systems Guard plan, but the Appliance Guard plan is a bit pricy, in my opinion, since it doesn’t cover home systems. If you only want to cover your appliances, the ShieldGold plan from American Home Shield is a better bargain at only $29.16 a month. That being said, I recommend the Total Home Guard plan to anyone looking for comprehensive coverage because of its great value.

Plan Monthly Cost Service Fee Available Discounts
Systems Guard $54.99 $65 – $125 $225 off online discountTwo free bonus months (with annual billing)Free limited roof leak protection
Total Home Guard $59.99 $65 – $125 $225 off online discountTwo free bonus months (with annual billing)Free limited roof leak protection
Appliance Guard $49.99 $65 – $125 $225 off online discountTwo free bonus months (with annual billing)Free limited roof leak protection

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Richmond, Virginia. The cost data presented was accurate at the time of publication. 

Available Add-Ons

The following add-ons are available for all plans:

  • Additional spa: $9.99
  • Carpet cleaning: $19.99
  • Casita guest unit: $35.99
  • Central vacuum: $8.99
  • Ejector pump: $14.99
  • Electronics protection: $19.99
  • Freestanding ice maker: $14.99
  • Generator: $19.99
  • Grinder pump: $14.99
  • Gutter cleaning: $14.99
  • Ice maker (in-fridge): $3.99
  • Instant hot water dispenser: $9.99
  • Lawn sprinkler system: $9.99
  • Lighting fixtures: $7.99
  • Limited roof leak: $11.99
  • Pest control: $14.99
  • Plumbing fixtures: $7.99
  • Pool and spa: $19.99
  • Power washing (exterior flooring): $19.99
  • Pro-Series clothes dryer: $4.99
  • Pro-Series dishwasher: $7.99
  • Pro-Series microwave: $4.99
  • Pro-Series range/oven/cooktop: $12.99
  • Pro-Series refrigerator: $14.99
  • Pro-Series stand-alone freezer: $14.99
  • Pro-Series washing machine: $4.99
  • Re-Key: $9.99
  • Reverse osmosis water filter system: $14.99
  • Saltwater pool: $23.99
  • Second refrigerator: $7.99
  • Septic system pumping: $12.99
  • Stand-alone freezer: $5.99
  • Sump pump: $8.99
  • Swamp cooler: $14.99
  • Trash compactor: $7.49
  • Tv mounting (up to 65-Inch Tvs):  $14.99
  • Tv mounting (up to 85-Inch Tvs): $19.99
  • Water dispenser water line: $4.99
  • Water softener: $13.99
  • Well pump: $12.99
  • Window washing/cleaning: $19.99
  • Wine cooler/fridge: $11.99

I find roof leak coverage especially beneficial because leaks are some of the most frequent damages to homes, especially in Oklahoma, where tornados and strong winds are common. While the home warranty won’t cover direct damage from storms, it will cover normal wear and tear, which can accumulate in extreme weather conditions. On the other end of the spectrum, the TV mounting coverage seems unnecessary to me because buying a new TV mount is inexpensive.

Exclusions

The following exclusions apply to all of Liberty’s plans:

  • Any kind of valve or leak
  • Chimneys and exhausts
  • Damage caused by improper installation
  • Damage caused by pests or mold
  • Damage caused by rust or corrosion
  • Disposal of old systems or appliances
  • Glass parts
  • Installation of systems or parts
  • Known or unknown preexisting conditions
  • Lighting
  • Luxury or commercial-grade systems and appliances
  • Poorly maintained systems or appliances
  • Routine maintenance
  • Solar systems
  • “Smart” components and parts

These exclusions are standard in the industry and match most of what I found with competitors. However, exclusions for “known or unknown preexisting conditions” can act like a legal loophole for warranty providers, so be wary of that.

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

Overall, Liberty is an affordable home warranty provider. We gave it an 8.9/10 because its plans range from $49.99 to $59.99, which is reasonable for the coverage it provides, even though the prices start higher than some competitors. Keep an eye out for online discounts, such as the $225 online limited-time offer discount, which can help bring the price down. 

Be sure to read Liberty Home Guard’s sample contract for information on preexisting conditions, cash reimbursements, and replacement parts. Liberty may give a cash reimbursement for a covered item, but that value is at their discretion and is based on the age and condition of your item, which may impact how much you spend on a new one. Additionally, Liberty isn’t required to choose replacement parts that match in color or brand, so if you care about matching components, you may have to pay out of pocket.

In general, I found Liberty’s agents to be very informative and helpful, and they didn’t strike me as overly talkative or “sales-y.” When calling about service rates, my agent was quick to answer questions and didn’t try to push me to buy a more expensive policy, so that goes a long way in my book. However, I found some complaints on review sites regarding items not being covered under warranty and a long waiting period (30-60 days) in the sample contract, so we gave Liberty a 7.8 out of 10.

Despite some reviewers mentioning certain items not being covered, Liberty still has the highest company reputation score on our list and consistently scored higher than the competition on its online reviews, which is a really good sign that the company is working well. Most customers praised Liberty Home Guard for its helpful customer representatives and prompt service. However, most of the complaints were about Liberty not covering certain items, being slow to address repairs, or using unlicensed handymen to fix issues. Liberty has also received more complaints recently, resulting in its BBB rating being reevaluated. For that reason, we gave them a 9.1.

Rating Site Rating Number of Reviews
BBB NR Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 4.7 2,236
Google 4.7 9,693
Yelp 1.3 48

*Under review due to recent complaints as of Feb 2024. Previously an “A+” rating. 

Editor’s Note: The ratings provided were accurate at the time of publication.

Note (as of 2/23): The Better Business Bureau recently shifted LHG’s A+ rating to “NR.” We reached out to a representative from the Better Business Bureau, and they told us, “This business is not currently rated. BBB has recently received numerous complaints against this business and will issue a rating after it has fully evaluated them.” When asked about whether they revoke ratings after an increase in complaints, the rep said, “Yes, if they feel they need to review the complaints first before issuing an accurate rating.” This scenario has happened to LHG twice in the last two years, but each time the BBB has restored its A+ rating after a thorough review.

Liberty Home Guard has a standard claims process, allowing you to submit your claim by phone or online 24/7. Liberty’s average response time is 12 hours, which is very quick, even among the faster companies on our list. Liberty also offers emergency services, which can be a total lifesaver when major systems stop working. Though its coverage limits aren’t the highest, Liberty’s quick response times and emergency services earned them a perfect score.

Liberty Home Guard is available in all 50 states, giving it a perfect score. Even if you only need a home warranty policy for your state, nationwide availability is typically a sign that a company is more established and has a wider network of technicians that can service your home, so it’s still a good factor to consider when purchasing a policy.

Best Coverage Limits

American Home Shield

4.3

Our Rating

Limited Time:

40% Off Our Most Popular Plan

The thing that stood out to me most about American Home Shield is that it offers very affordable coverage that starts at just $17.49, lower than any other company on our list. Additionally, AHS offers high coverage limits ($5,000 HVAC and $4,000 appliance limits on its ShieldPlatinum plan) that are roughly $2,000 more than most competitors. Both the ShieldSilver and ShieldGold plans are more than $10 a month cheaper than most competitors’ basic coverage plans, so either one is a great bargain. In my opinion, its combination of low monthly rates and high coverage limits is hard to pass up.

The biggest problem I found with American Home Shield is its negative customer reviews. AHS has more complaints on review sites than the competition, mainly about items not being covered. AHS has resolved a lot of the issues by reaching out to customers directly and has a B rating on BBB, but the reviews still make me hesitant to choose AHS over competitors. Additionally, AHS doesn’t offer any plans for just your appliances, so there’s no way to get just your appliances covered.

In my opinion, American Home Shield’s best feature is its coverage limits on the ShieldPlatinum plan, with payouts as high as $5,000 for HVAC and $4,000 for appliances. The only other company that’s in the same ballpark is First American Home Warranty ($3,500 per appliance in its Starter and Essential plans and $7,000 per appliance in its Premium Plan). If I purchased a plan from American Home Shield, it would be the ShieldPlatinum plan to get the higher coverage limits, but the other two plans are very affordable and would be an excellent choice for homeowners who want a more budget-friendly option.

However, American Home Shield has more negative reviews than the competition, particularly complaints about items not being covered, shady technicians, and denied reimbursements. While its low monthly rates and high coverage caps make it a very tempting option, the frequency of complaints is concerning.

American Home Shield has the most affordable basic coverage on our list, with options starting around $10 to $20 cheaper than most competitors. The ShieldPlatinum plan comes at a high price, but it offers comprehensive coverage with high coverage limits. If you prefer something cheaper, you can’t go wrong with the other two plans because they’re both an extremely good deal. Due to its lack of appliance-only plans (plus the limited add-on options), we gave American Home Shield a 9 out of 10, but it still ranks near the top of our list of home warranty providers.

Plan Monthly Cost Service Fee Available Discounts
ShieldSilver $17.49 $100 – $125 $150 off a one-year contract
ShieldGold $30.00 $100 – $125 $150 off a one-year contract40% off ShieldGold Plan
ShieldPlatinum $67.49 $100 – $125 $150 off a one-year contract

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Richmond, Virginia. The cost data presented was accurate at the time of publication. 

Available Add-Ons
  • Electronics protection plan (all plans): $14
  • Guest unit (all plans): $6.99
  • Pool and built-in spa equipment (all plans): $18
  • Roof leak repair limit (included in the ShieldPlatinum plan but available as an add-on for others): $10
  • Septic pump (all plans): $5.00
  • Well pump (all plans): $8.00

The electronics protection plan is particularly useful because it protects an unlimited amount of new and used devices like TVs, laptops, printers, and more. However, there are limitations (it doesn’t cover cell phones, items in storage, preexisting conditions, theft or loss, rented items, maintenance, cosmetic damage, insect or animal damage, etc.), so it might not be right for every homeowner.

Exclusions
  • Acts beyond our control (earthquake, storms, mud, fire, etc.)
  • Flues, chimneys, fireplaces, and exhaust lines
  • Hazardous materials 
  • Improper capacity
  • Items covered by other insurance or warranty
  • Known preexisting breakdown 
  • Manufacturer or government recalls
  • Misuse or accidental acts
  • Multimedia centers
  • Outdoor kitchens
  • Power and fuel sources
  • Routine maintenance
  • Smart home systems
  • Special systems (radon mitigation systems, gas detection systems, etc.)

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

American Home Shield is one of the most affordable companies on our list. American Home Shield’s basic plans are some of the cheapest in the industry, proving to be the cheapest home warranty available. However, the Shield Platinum plan is pricey at $67.49 a month, which brought AHS’s overall score down to an 8.7. Still, a home warranty for under $20 is basically unbeatable, so I recommend this company for budget-conscious buyers. Be sure to read the entire American Home Shield sample contract for special notes that may affect your overall rate or payout. For example, the coverage limit for glycol, hot water, or steam HVAC systems is $1,500 despite the general $5,000 HVAC limit, so be sure to read the fine print.

Customers had mixed reviews of American Home Shield, but I was left with an overall positive impression, mainly due to its responsive agents. Most complaints were about items not being covered or having to pay out of pocket for a second opinion, but these are common issues in the industry. One AHS representative commented on almost all negative online reviews and told unsatisfied customers to reach out to trustpilot@ahs.com in order to resolve their claims further, which goes a long way in my book. The company may not be perfect, but it’s clear that it cares about customer satisfaction, so we gave AHS an 8.4.

Despite a relatively positive customer experience score, American Home Shield still has the lowest company reputation score on our list. While not totally negative, AHS did have more complaints than the competition. For instance, on Trustpilot, 78% of reviews were 1-star. Most of the complaints were regarding items that weren’t covered, issues with repairs, and logistical errors that resulted in inaccurate billing. On the other hand, the company is often praised for its quick responses to claims. While American Home Shield may have a lot of complaints, it works to resolve a lot of the issues and has a B rating with the Better Business Bureau, bringing its overall reputation score up to 7.7 out of 10.

Rating Site Rating Number of Reviews
BBB B Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 2.1 5,158
Google 2.8 2,379
Yelp 1.0 826

Editor’s Note: The ratings provided were accurate at the time of publication.

In general, American Home Shield agents handle claims quickly and get technicians to service items within a day or two. Because of its high coverage limits on appliances and systems, American Home Shield pays out fairly well for claims as long as the items and parts are covered. AHS offers 24/7 claims services, and although it’s standard practice in the industry, it’s still nice to have. You can even track your home repair history and follow up on your claim through the AHS online portal, so for its ease of use, we gave American Home Shield an 8.4.

American Home Shield operates in all of the continental United States, so we gave it a perfect availability score.

Best Value

Select Home Warranty

4.2

Our Rating

Limited Time:

$150 Off (Code HOUSE25)

My favorite thing about Select Home Warranty is that it offers the most affordable comprehensive coverage out of all the companies on our list. Getting total coverage for less than $50 is very rare, so Select’s Platinum Care plan is a great value. Additionally, Select Home Warranty’s plans come with free roof leak protection, which isn’t out of the ordinary, but it is a nice perk since most other companies only offer it as an add-on. Select Home Warranty also responds to customer complaints in a timely manner, so I was impressed with its customer service.

Select Home Warranty’s biggest downside is that it has extremely low coverage limits. Appliances are capped at $500 per item, and additional coverage items are capped at $400, which is very low compared to the industry standard of around $2,000 per item. Additionally, according to Select’s terms and conditions, your policy doesn’t cover unknown preexisting conditions, and you must contact Select within three days of discovering a malfunction, so the claims process is a bit too strict for my liking.

Select Home Warranty is ideal if you want the most affordable comprehensive coverage, but its low coverage limits make it hard to justify the monthly price. Since the coverage limits on appliances are particularly low, I would only consider the Gold Care or Platinum Care plans from Select Home Warranty since they cover home systems, too.

However, Select’s terms and conditions are a bit more strict than the competition. Select requires you to contact the claims department within three days of discovering a malfunction for your claim to be accepted, which can be difficult if there’s any debate as to when certain defects were ‘discoverable.’ Likewise, Select doesn’t cover unknown preexisting conditions, which act as a loophole to give providers legal authority to refuse payouts under certain conditions. Neither of these features are exclusive to Select, nor are they total dealbreakers, but they are good to keep in mind.

Select Home Warranty offers three standard plans, along with free roof leak coverage, which is a huge plus. However, the Bronze and Gold Care plans don’t offer very much coverage, so I recommend the Platinum Care plan since it has better coverage and is only $3 more than the Gold Care plan. The Gold Care plan and the Bronze Care plan cover different items, but they both come at the same price. Some customer reviews mentioned that they were able to negotiate a lower monthly fee when speaking with a customer service representative, so I recommend calling to get the best deal. Select offers fewer add-ons than the competition, but its rates are reasonable, and its coverage is comparable to competitors, so we gave it an 8.3.

Plan Monthly Cost Service Fee* Available Discounts
Gold Care $44.42 $75 – $100 $150 off any plan (online discount)Free roof leak coverageTwo extra months FREE (when you’re billed annually)
Platinum Care $47.75 $75 – $100 $150 off any plan (online discount)Free roof leak coverageTwo extra months FREE (when you’re billed annually)
Bronze Care $44.42 $75 – $100 $150 off any plan (online discount)Free roof leak coverageTwo extra months FREE (when you’re billed annually)

*Service fees can vary based on your location and the length of your contract.

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Richmond, Virginia. The cost 

data presented was accurate at the time of publication.  

Available Add-Ons

Select Home Warranty offers the following add-ons for all its plans:

  • Central vacuum: $3.33/mo
  • Lawn sprinkler system: $5.83/mo
  • Pool: $8.33/mo
  • Roof leak: $0/mo (included in all plans)
  • Septic system: $5.83/mo
  • Spa: $5.83/mo
  • Stand-alone freezer:  $3.33/mo
  • Sump pump: $3.33/mo
  • Well pump: $3.33/mo

The lawn sprinkler system is a very convenient add-on that not every home warranty company offers. It also comes at a reasonable price, so it’s worth it for homeowners who want the best for their lawns. Droughts are common in the Southern Plains region of Oklahoma, so it’s wise to keep your sprinklers in check during climate extremes.

Exclusions

Select Home Warranty has the following exclusions on all its plans:

  • Common areas in condominiums or family homes
  • Damage caused by natural disasters and rust
  • Defects or damages caused by the foundation and structure of the home
  • Incorrect installation or malfunctions due to construction damage or improper wiring
  • Issues with systems or appliances related to hazardous or toxic materials
  • Secondary damage
  • Solar heating systems

It’s important to note that damage caused by natural disasters isn’t covered by your home warranty policy, mainly due to Oklahoma’s frequent storms and location in the heart of Tornado Alley.

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

Select Home Warranty is the only provider on this list to offer comprehensive coverage for under $50 (with the online discount), and if the rest of its plans were just as good of a value, I wouldn’t hesitate to give it a perfect score. However, the other plans are slightly overpriced for minimal coverage, so we gave Select a 9.1. It’s also worth noting that Select Home Warranty has some of the lowest service rates on our list ($75 at the lowest, but this varies due to your location), which is a plus for budget-conscious buyers.

Be sure to read the entire Select Home Warranty sample contract for more details on low coverage limits since those will likely be a factor in how expensive your repairs might be.

Select Home Warranty performs better than average among all home warranty providers and ranks in the middle when compared with the other companies on our list. The customer representatives are knowledgeable, but they tend to gloss over some of the strict terms and conditions in the contract when pitching their policies. While this isn’t uncommon, it could be improved, so we gave Select an 8.1.

Select Home Warranty’s scores are about average for the home warranty industry, but since Select works to resolve any complaints that customers post on review sites, we gave it an 8 out of 10. Most people only review a company when something goes poorly, and in the case of home warranties, that tends to happen a lot. Even though the Google review rating is particularly low, there aren’t many reviews on there, and the rest of the ratings are decent, so take it with a grain of salt.

Rating Site Rating Number of Reviews
BBB B Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 3.7 4,561
Google 1.6 27

Editor’s Note: The ratings provided were accurate at the time of publication.

We gave Select Home Warranty a 7.6 because the company offers standard methods for making claims, but it doesn’t pay out as much as some competitors due to its low coverage limits. Select ranks in the middle of our list when it comes to its claims process, and you can submit claims either online or over the phone. It has an average response time of around 48 hours for non-emergency claims, but keep in mind that you must reach out within three days of discovering an issue with any covered items.

Select Home Warranty operates in 47 states, so according to our review standards, we gave it a perfect availability score. While nationwide availability isn’t the most important factor, it still shows that Select is a legitimate business throughout the whole country.

Best for Additional Benefits

AFC Home Club

4.3

Our Rating

Limited Time:

$200 off + free roof leak coverage

Possibly the most impressive thing about AFC Home Club is its lifetime workmanship guarantee, meaning that if a covered item breaks, AFC will make sure the parts and labor are covered for the entirety of a member’s plan without charging additional service fees. Other companies usually only offer a 30-day or 60-day guarantee, so AFC is way ahead of the curve. Additionally, AFC lets its members pick their own technicians, which is a big deal for me. This feature is pretty rare, so if that’s important to you, AFC is probably your best bet for a home warranty provider.

While AFC Home Club doesn’t have any cons that are exclusive to its policies, I do have a few concerns. My biggest gripe with AFC is that it doesn’t cover unknown preexisting conditions. Essentially, if a technician finds an issue and can trace it back to before you started your policy with AFC, your policy won’t cover it, regardless of whether you knew about the issue or not. While this is standard in the industry, and most companies on this list have the same exclusions, it’s still something to look out for.

Additionally, I’m not a fan of AFC’s cancelation policy. It has a standard $75 cancelation fee after your first 30 days, which is fine, but my main issue is with the way it’s advertised. The company claims you’re not locked into your contract, but you still have to pay a fee to leave. It’s not a dealbreaker, but it is rather misleading.

AFC Home Club has an amazing workmanship guarantee for the lifetime of your membership, which is much better than all the other companies on this list. Also, its policy of letting members choose their own service technician is extremely beneficial. Many industry complaints from customers online are about untrustworthy technicians and having to pay for second opinions, so this approach fixes that problem entirely. However, AFC’s refusal to cover known or unknown preexisting conditions is a bit risky. Again, this is common in the industry, but it’s important to be aware of it.

If I purchased a plan from AFC, I’d be tempted to buy the Diamond plan despite its high price point. Paying $89.17 a month is a lot, but it covers items that competitors don’t, like electronics and smartphones, which are basically unheard of in the home warranty industry. It’s a bit lavish, but it’s definitely worth it if you have the extra cash and want the additional coverage.

AFC Home Club offers four plans instead of the traditional three, which means customers have more options to choose from (although the Diamond plan may not be available in every area). The Silver Plan starts at $32.25, offering a great bargain for kitchen and laundry appliance coverage. On the opposite end of the spectrum, the Diamond Plan is the most expensive plan on this entire list at a whopping $89.17 a month. I wouldn’t necessarily call it a great value since it’s so pricey, but if you have the extra cash, it covers almost anything you can imagine. AFC also lets you choose a one-year term (no discount) or a three-year term ( a 13% discount on average) along with flexible service fees, which gives customers more control.

Plan Monthly Cost Service Fee Available Discounts
Diamond Plan $89.17 $75 – $125 $100 off (online discount)+ Roof Leak Coverage (limited-time promotion)
Platinum Plan $54.58 $75 – $125 $100 off (online discount)+ Roof Leak Coverage (limited-time promotion)
Gold Plan $49.75 $75 – $125 $100 off (online discount)+ Roof Leak Coverage (limited-time promotion)
Silver Plan $32.25 $75 – $125 $100 off (online discount)+ Roof Leak Coverage (limited-time promotion)

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Richmond, Virginia. The cost data presented was accurate at the time of publication. 

Available Add-Ons

AFC Home Club offers the following add-ons for all plans:

  • Built-in microwave: $50 (annual price)
  • Central vacuum: $25 (annual price)
  • Double oven: $25 (annual price)
  • Hot water dispenser: $25 (annual price)
  • Ice maker: $25 (annual price)
  • In-ground pool: $100 (annual price)
  • In-ground pool and spa: $150 (annual price)
  • Roof leak: $0 (this is a limited-time promotion, but it’s typically $25)
  • Septic system: $50 (annual price)
  • Stand-alone freezer: $25 (annual price)
  • Sump pump: $35 (annual price)
  • Well pump: $50 (annual price)

I found the exterior septic system coverage particularly beneficial. Damage can affect homes inside and out, so it makes sense to cover your exterior pipes, given most plans don’t cover outdoor systems.

Exclusions
  • Accidents
  • Acts of God
  • Chemical or sedimentary build-up
  • Collapsed ductwork
  • Cosmetic defects or routine maintenance
  • Electrical shorts or power surges
  • Electronic or computerized energy management 
  • Failure due to excessive or inadequate water pressure
  • Failure to clean or maintain as specified by the equipment manufacturer
  • Fire, freezing, or electrical failure
  • Hazardous or toxic materials
  • Known or unknown preexisting conditions 
  • Lighting and application management systems
  • Lightning, mud, or earthquake damage
  • Missing parts
  • Misuse or abuse
  • Pest damage
  • Repairs related to costs of construction, carpentry, or other incidental costs
  • Rust or corrosion
  • Structural changes
  • Storms
  • Secondary damage from a noncovered item
  • Upgrades, components, or parts required due to incompatibility with the replacement system 
  • Water damage 

It’s important to note that AFC Home Club won’t cover any “known or unknown preexisting conditions,” meaning that if a technician finds a problem that likely existed before you purchased your policy, it won’t be covered. This is common in the industry, and it’s tempting to give AFC Home Club the benefit of the doubt because they have so many other great qualities, but this can be risky, so keep that in mind.

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

Aside from the Diamond plan, all of AFC’s coverage options are quite affordable. The Platinum plan is about $5 cheaper than Liberty Home Guard’s comprehensive plan, so it’s an especially good bargain. Overall, AFC’s rates are on par with our other top competitors, but the Diamond plan is the most expensive plan on our list, which brings AFC’s affordability score down to 9.1. It’s worth noting that if you request non-emergency services outside of normal business hours, you will be responsible for additional fees and/or overtime charges, so be sure to read the entire AFC Home Club sample contract to learn all the details about your plan.

AFC Home Club has the highest score of any competitor when it comes to customer experience, and part of that is due to its quick response times (on average, 24 to 48 hours) and its lifetime workmanship guarantee. Customers praised the company’s timeliness, and I personally found AFC’s dedication to resolving customer complaints on review sites to be impressive. One customer claimed:

“The service was quick and easy. My upstairs AC went out last Thursday and they had a local repair man out that I know the same day.”

While no company is perfect, it’s clear that AFC cares about its members and works to resolve claims quickly.

Even though its overall ratings don’t look as impressive as some competitors, AFC Home Club has a relatively low number of complaints. Customers typically praise AFC for the ability to choose their own provider, with one customer saying, “the ability to choose my own technician is very important to me. I know by doing so I get the caliber of person that I always have dealt with for the maintenance of my equipment.” However, most complaints are about items not being covered. One customer “had a claim for a $7,000 heating system replacement denied due to the unit being too old,” which concerns me.

Despite that, AFC Home Club has tried to resolve every negative review that I saw in BBB. This shows that AFC is very dedicated to customer service, even if its overall performance could use improvement.

Rating Site Rating Number of Reviews
BBB B Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 3.0 24
Google 3.7 1,594
Yelp 1.9 334

Editor’s Note: The ratings provided were accurate at the time of publication.

AFC Home Club has the lowest score on our list when it comes to the claims process, mainly due to the fact that it doesn’t offer emergency services. This isn’t a total dealbreaker, but it’s important to know. Every other provider on our list offers this service, and it’s a real detriment to AFC. This is why we gave it a score of 6.8 out of 10.

AFC Home Club operates in 49 states, so according to our review standards, we gave it a perfect availability score. Since AFC is active across the whole country, it acts as a clear sign of its legitimacy.

Best Appliance Coverage

First American Home Warranty

4.3

Our Rating

Limited Time:

Leap Year Savings! Get $200 Off with Promo Code: LEAP24

My favorite thing about First American Home Warranty is that it covers up to $3,500 per appliance in its plans (second only to American Home Shield’s max coverage at $4,000), which is significantly higher than the industry average of around $2,000. Additionally, First American has flexible service fees and is the only provider on our list with specific luxury appliance coverage, so there are plenty of practical perks for homeowners on all ends of the spectrum.

This is a small gripe, but First American doesn’t offer any plans that only cover home systems. While it’s not necessary to have a home-system-only plan, it’s a standard option, so it would be nice if the company offered it. Additionally, First American doesn’t have nationwide availability, so you may have to change home warranty providers if you move out of its network. 

First American Home Warranty ranks second best when it comes to its overall score, making it my top alternative to Liberty Home Guard. Its main perks are its affordable monthly rates, high appliance coverage limits, and flexible service fees. First American Home Warranty does a lot of things well, but even more important is its lack of red flags, which makes me confident in choosing it as a home warranty provider.

The main takeaway is that First American’s appliance coverage limit of $3,500 makes it one of the best home appliance insurance companies. This high coverage limit is even available on its most basic plans, making it an amazing value for the Starter and Essential options. While the Premium plan doesn’t make much financial sense for most homeowners,  it’s a great choice for someone who’s looking to cover luxury appliances and has the cash to spare.

First American Home Warranty offers the standard menu of three plans, but they all have a mixture of appliances and home system coverage. It also gives the option to choose service fees of $75, $100, or $125, which gives you more control over your monthly rate in case you prefer a lower premium. Personally, I’d choose the Essential plan since it offers comprehensive coverage at a good price. The Premium plan is nice, but it’s a bit too pricey and covers items that most homeowners would consider unnecessary (central vacuum system, hose bibbs, install ground level cleanout, and more).

Plan Monthly Cost Service Fee Available Discounts
Starter Plan $45.00 $75 – $125 Get a $100 instant online discount with promo code: PROTECT
Essential Plan $55.00 $75 – $125 Get a $100 instant online discount with promo code: PROTECT
Premium Plan $70.00 $75 – $125 Get a $100 instant online discount with promo code: PROTECT

Editor’s Note: The cost data mentioned in this article was sourced for a single-family, two-bedroom home under 5,000 square feet in Richmond, Virginia. The cost data presented was accurate at the time of publication. 

Available Add-Ons
  • Additional refrigeration: $4.17
  • Additional refrigeration 2: $4.17
  • Additional refrigeration 3: $4.17
  • Central air conditioning (electric): $8.33
  • First American advantage: $0.00 (only for Essential and Premium plans)
  • HVAC tune-up: $2.08
  • Limited roof leak: $8.33
  • Pool/spa equipment: $20.83
  • Pool/spa equipment 2: $20.83
  • Septic tank pumping/system: $7.08
  • Water softener: $7.08
  • Well pump: $7.08

The add-on I find most practical is the central air conditioning coverage. Oklahoma can be extremely hot in the summer, and it’s important to keep your AC in top shape if you want to stay cool.

Exclusions

First American Home Warranty has the following notable exclusions: 

  • Chimneys
  • Collapsed or broken lines
  • Cosmetic defects
  • Damage from pests
  • Damage from weather, theft, or smoke 
  • Glass doors
  • Knobs
  • Low-voltage electrical systems
  • Plumbing stoppages caused by foreign objects
  • Roots
  • Rotisseries
  • Solar systems
  • Space heaters
  • Water heater storage tanks

However, First American covers some of these exclusions (like knobs and dials) in its Essential and Premium plans.

Editor’s Note: While this article highlights certain exclusions, it is imperative for readers to review their contracts as the mentioned exclusions are not exhaustive, and additional exclusions may apply.

First American has the highest score of any provider on our list when it comes to overall affordability because of its reasonable prices and flexible service fees. In my opinion, all of its plans are a great value, but the Essential plan covers all major appliances and systems for less than Liberty Home Guard’s Total Home Guard plan ($59.99), so I would recommend that plan most. First American won’t reimburse you for services performed without prior approval, and although this isn’t uncommon, it could add to your overall cost. Be sure to read the entire First American sample contract to learn all the details about your plan.

When compared to the competition, First American Home Warranty ranks in the middle of the list for customer experience. Its agents are responsive and knowledgeable, but their response time varies more than competitors, so we gave First American an 8.1 out of 10.

First American Home Warranty has a good reputation and ranks second only to Liberty Home Guard on our list. The majority of reviews on Trustpilot were five stars, which is a huge accomplishment in its own right, with many customers praising the company’s quick service. One customer said:

“They contacted the contractor right away and a technician was dispatched within a couple of hours of our report.”

Many other top reviews were similar. However, several complaints mentioned poor communication, claim denials, and no-show contractors. The Yelp reviews, in particular, were quite poor, despite only having 418 total reviews. Yelp is mainly known for rating restaurants and small businesses, so it’s not the most accurate source for a home warranty company’s reputation, but almost every review was one-star, which was concerning. Taking all that into account, we gave First American an overall score of 8.9.

Rating Site Rating Number of Reviews
BBB B Customer Reviews are not used in the calculation of BBB Rating
Trustpilot 4.1 13,525
Google 2.8 2,428
Yelp 1.0 418

Editor’s Note: The ratings provided were accurate at the time of publication.

First American has an average response time of around 48 hours, which is respectable but not particularly fast. Many companies on our list have an average response time of 12 hours or less, so we gave First American an 8.4, ranking them in the middle of our list for its claims process. 

First American Home Warranty is only available in 34 states (not available in AK, CT, DE, HI, IL, LA, ME, MA, MN, NH, NJ, NY, ND, RI, VT, or WI). This isn’t a dealbreaker for Oklahoma residents, but it’s worth noting. Still, since its availability isn’t as good as the rest of the competition, we gave it a 6 out of 10.


Calculate the Cost of an Oklahoma Home Warranty

If you’re trying to figure out how much a home warranty will cost, Today’s Homeowner created a handy cost calculator to help you. Enter your monthly cost, service call fee, and expected number of claims below to estimate your annual home warranty cost.

Appliance Average Repair Cost Average Replacement Cost
Dehumidifier $50–$200 $1,300–$2,800
Microwave $50–$400 $60–$2,000
Dishwasher $50–$500 $400–$3,000
Exhaust Fans $16–$300 $250–$950
Electric Range $100–$500 $230–$3,000
Gas Range $100–$500 $230–$3,000
Dryer $100–$400 $450–$2,300
Oven $100–$430 $400–$3,000
Washer $50–$450 $400–$2,300
Freezer $90–$500 $160–$2,900
Refrigerator $40–$350 $200–$5,000

Today’s Homeowner Tips

Be sure to shop around and get multiple quotes from different home warranty providers before purchasing. Many companies have some hidden flexibility on price, so I always recommend calling a representative first to see if you can get an unadvertised deal.


Oklahoma Home Warranty Regulations

Home warranty providers in Oklahoma must follow the laws laid out by the Oklahoma Insurance Department. For example, all warranty providers must pay a registration fee of $1,200 every three years and a $2,250 anti-fraud fee every three years. All providers (along with their parent companies) must also have a minimum net worth of $25,000,000, excluding goodwill, intangible assets, customer lists, and affiliated receivables. For more on Oklahoma home warranty regulations or to file a complaint with your home warranty provider, consult the Oklahoma Insurance Department.

All terms for home service providers are in the Oklahoma Home Service Contract Act, which includes information on registration, financial assurance options, and enforcement by the Insurance Commissioner. The Oklahoma Insurance Department actively investigates any companies that violate these laws, including unlicensed home warranty providers. For example, Choice Home Warranty is currently under investigation in the state of Oklahoma for unlicensed activity.

Oklahoma Home Warranty News

According to the Problem Solvers at Channel 2 News Oklahoma, the Edmundson family in Dewey, OK, was recently left to pay for their own air conditioning replacement despite having a deal with Select Home Warranty. After the air conditioner stopped working, temperatures reached upwards of 90 degrees inside the home. When the Edmundsons called a technician for repairs, he found a catastrophic rupture, which Select considered a leak. Since leaks aren’t covered under the home warranty policy, the Edmundsons were left to cover it themselves. 

After the Edmundsons contacted the Problem Solvers, Select decided to refund the family their $2,300 deposit on five years of coverage. However, the family still had to pay out of pocket for a new air conditioner. This is yet another cautionary tale to always read the fine print in your service contract, no matter what company you choose.


FAQs about the Best Home Warranties in Oklahoma

Do You Need a Home Warranty in Oklahoma?

Oklahoma law doesn’t require homeowners to purchase a home warranty plan, but it can still be beneficial, depending on your needs.


How Much Does a Home Warranty Cost in Oklahoma?

The average cost of a home warranty in Oklahoma is $50.76 a month, not including service fees. To find out more about the costs associated with home warranties, check out our home warranty cost guide.


How Can You Save Money When Shopping for Home Warranties In Oklahoma?

To get the best rates on your home warranty policy, I recommend browsing companies’ websites for online deals or calling a customer representative to make sure you’re getting the best pricing. Don’t be afraid to ask if they have any promotional deals because there’s a good chance it’ll pay off.

If you want to pay less for a home warranty, consider providers such as AFC Home Club or American Home Shield, where you can lower your monthly premium by selecting a higher service fee.  Talking to representatives on the phone typically meant better deals, and waiting a few days between talking to them and purchasing led to even lower offers. 


Is a Home Warranty Worth It for Oklahoma Homeowners?

A home warranty is worth it in Oklahoma because if you don’t have thousands of dollars saved to pay out of pocket for repairs, a monthly home warranty bill is easier on your finances. It can be difficult to know for sure if home warranties are worth it for your specific circumstances, but be sure to consider your needs before buying a policy.




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