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Best Home Warranties in Oklahoma

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    by Taylor Sansano Contributing Writer

    Our research team vetted 16 home warranty companies that are rated by more than 617 customers in Oklahoma. Read our guide to choose the best home warranty in Oklahoma for you by comparing plans, contract lengths and service fees.

    Why trust ConsumerAffairs?
    • Our recommendations are based on what reviewers say.
    • 3,481,218 reviews on ConsumerAffairs are verified.
    • We require contact information to ensure our reviewers are real.
    • We use intelligent software that helps us maintain the integrity of reviews.
    • Our moderators read all reviews to verify quality and helpfulness.

    Key Insights

    • Our top picks include American Home Shield, First American Home Warranty and Select Home Warranty.
    • To find the best home warranty in Oklahoma for you, think about where you have the most risk, and don’t forget to consider heating and cooling systems.
    • A home warranty in Oklahoma typically costs about $35 to $80 per month without discounts or add-ons.

    Our 3 Oklahoma home warranty picks

    Here are our favorite home warranty companies in Oklahoma, based on local reviews:

    Methodology

    To select our top picks, we started with the home warranty companies available in Oklahoma on our site and eliminated those with a star rating below 3.5. To stay on the list, companies also had to have at least a 2:1 ratio of 5-star to 1-star reviews from consumers in Oklahoma, based on verified review data collected between Oct. 12, 2020, and Oct. 12, 2021. Final selections were made based on the strength of each company’s review data.

    Our top pick overallAmerican Home ShieldAUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: 1 year
    • Service fee range: $75, $100 or $125

    American Home Shield has been in business since 1971, and it now serves over 2 million members. Its three plans cover up to 23 major home systems and appliances, not including additional options. You can also choose your service fee, allowing you to manipulate your monthly payment with each plan.

    American Home Shield lets you request help 24/7 through its online portal, and all its fixes are backed by a 30-day workmanship guarantee.

    We’ve compared this company’s plans based on select coverage items below.

    ShieldSilverShieldGoldShieldPlatinum
    Monthly premium cost*$34.83 to $49.83$44.83 to $59.83$64.83 to $79.83
    Service call fee*$75, $100 or $125$75, $100 or $125$75, $100 or $125
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-on
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezer
    Well pumpAdd-onAdd-onAdd-on
    ShieldSilver$34.83 to $49.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldGold$44.83 to $59.83$75, $100 or $125Add-onAdd-onAdd-onAdd-on
    ShieldPlatinum$64.83 to $79.83$75, $100 or $125Add-onAdd-onAdd-on

    *For a home in Tulsa at the time of publishing

    American Home Shield is our top pick overall for home warranty companies in Oklahoma because it has by far the most total reviews and the best ratio of 5-star to 1-star reviews of any home warranty company in the state at the time of publishing.

    Jerry from Oklahoma City wrote in a review that “we love the ease and convenience of American Home Shield's service and having an extra warranty on the stuff in the house. It's definitely worth it. I recently had a claim on the fan motor that went out. It went great. The contractor called beforehand, and the tech that they sent out was very professional.”

    Deanna from Lawton had similar sentiments: “American Home Shield is great and people should get it. We've been enjoying their service very much. It was included when we bought the house then we decided to keep it after the year because we used it a few times and we liked it a lot. ... They've been very good about getting people out there quick and the people have been great that we've worked with. ... All in all, we're very satisfied with the service.”

    Our pick for fast serviceFirst American Home WarrantyAUTHORIZED PARTNER
    • Number of plans: 2
    • Contract length: 1 year
    • Service fee range: $85

    First American Home Warranty offers two plans with flexible payment and coverage options. You can request service 24 hours a day, 365 days a year with its online account management system. All services are completed by its network of prescreened, qualified technicians. Last year alone, First American saved its customers $193 million in covered repairs and replacements.

    We’ve compared this company’s plans based on select coverage items below.

    Basic PlanPremier Plan
    Monthly premium cost*$38$48.50
    Service call fee*$85$85
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioningAdd-onAdd-on
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-on
    Roof leak repairs
    Second refrigeratorAdd-onAdd-on
    Septic pumpAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-on
    Well pumpAdd-onAdd-on
    Basic Plan$38$85Add-onNoAdd-onNoNoAdd-onAdd-onAdd-onAdd-onAdd-on
    Premier Plan$48.50$85Add-onAdd-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Tulsa at the time of publishing

    Oklahomans’ reviews for First American Home Warranty generally highlight the company’s speed and convenience.

    Charlotte from Tulsa wrote that “they have always been respectful and nice. Never have to wait forever. They get it all arranged just as fast as they can. They never seem too busy to answer ... any question you may have.”

    Deborah from Piedmont agreed: “Good service, we have had to use them a couple of times for plumbing issues and they were taken care of quickly. No problems experienced and good service.”

    Our pick for low service feesSelect Home WarrantyAUTHORIZED PARTNER
    • Number of plans: 3
    • Contract length: 1 year
    • Service fee range: Typically $60 to $75

    Select Home Warranty offers home warranty plans for rental properties, mobile homes, manufactured homes, single-family homes and multi-unit buildings. It covers all makes and models of covered items that are in good working condition when you purchase the plan, as long as they’re properly maintained.

    Select Home Warranty does not require a home inspection before purchase, and it doesn’t limit your number of covered repairs. You can submit a claim on its website or by emailing its service department.

    We’ve compared this company’s plans based on select coverage items below.

    Bronze CareGold CarePlatinum Care
    Monthly premium cost*$60.42$60.42$65.83
    Service call fee*Typically $60 to $75Typically $60 to $75Typically $60 to $75
    Built-in microwaves
    Clothes dryers
    Clothes washers
    Dishwashers
    Ranges, ovens and cooktops
    Refrigerators
    Air conditioning
    Electrical
    Garbage disposals
    Heating
    Plumbing
    Water heaters
    PoolsAdd-onAdd-onAdd-on
    Roof leak repairsAdd-onAdd-onAdd-on
    Second refrigerator
    Septic pumpAdd-onAdd-onAdd-on
    Stand-alone freezerAdd-onAdd-onAdd-on
    Well pumpAdd-onAdd-onAdd-on
    Bronze Care$60.42Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on
    Gold Care$60.42$75, $100 or $125Add-onAdd-onAdd-onAdd-onAdd-on
    Platinum Care$65.83Typically $60 to $75Add-onAdd-onAdd-onAdd-onAdd-on

    *For a home in Tulsa at the time of publishing

    Select Home Warranty has the lowest available service fee of any of our top picks, and its Oklahoma reviews often touch on the company’s overall value.

    “The coverage is excellent and the value beats anything else I saw while researching other companies. … Would definitely recommend to anyone considering purchasing a home,” wrote Bryan from Yukon.

    “Our only out of pocket expense was our discounted service fee, which covered parts and labor, much cheaper than most HVAC service fees. Great value and service. I would recommend Select Home Warranty to anyone,” echoed Chris from Edmond.

    Compare Top Oklahoma Home Warranty Companies

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      Tips on buying a home warranty in Oklahoma

      tulsa oklahoma skyline

      Oklahoma has one of the cheapest housing markets in the nation, but it’s often a smart idea to take whatever money you save on your home and invest in a home warranty.

      Oklahoma experiences all four seasons, including cold winters and sweltering summers, with frequent dramatic shifts in weather. These seasonal changes can cause more wear and tear on certain home systems and appliances, leading to more repairs or replacements down the road.

      Because you likely don’t want to be without air conditioning in the middle of a long, hot Oklahoma summer, look for a plan that includes coverage for home systems, like your air conditioner and heater. Also, make sure your home warranty offers fast service so that you don’t have to be uncomfortable any longer than necessary.

      Other than those quirks, Oklahomans can generally follow the same advice as people in most other states. Set a budget, research your coverage options and get multiple quotes to compare prices. If you have any special concerns, address them with your home warranty company before signing the dotted line.

      Home warranty regulations in Oklahoma

      Not all home warranties are equal, which is why Oklahoma has laws to protect you from scams and deceptive practices. For example, when you buy a newly built home in Oklahoma, the seller must transfer all manufacturer and new product warranties covering fixtures, equipment and appliances over to you. This means that a home warranty may not be useful when purchasing new construction, depending on what’s covered.

      In Oklahoma, home warranties are regulated by the Oklahoma Insurance Department (OID). Each home warranty contract is required to comply with an in-depth checklist that includes things like:

      • Cancellation information: Companies must return 90% of the unearned pro rata provider fee minus the actual cost of any service provided.
      • Administrator information: Service warranties shall state the name and address of the service warranty association and identify any administrator if different from the service warranty association.
      • Licensing: All home warranty companies are required to have an up-to-date Service Warranty Association License Number. You can look up a license here.

      The Oklahoma Service Warranty Act also outlines additional regulations for the industry, like the fact that it is illegal for companies to make false claims or representations about their warranty contracts. Companies must also provide all terms and conditions prior to the close of a contract through either a complete sample copy or a real description of what your contract will entail.

      If you feel like your home warranty company hasn’t complied with all the state regulations, you can file a complaint online with the state insurance commissioner.

      Oklahoma home warranty FAQ

      Plans from our top picks range between roughly $35 and $80 per month, not including temporary discounts or promotions. This is about on par with the nationwide average home warranty cost of about $50 per month. Just remember that your cost mostly depends on the coverage you choose and what add-on options you select.
      It depends. Like most insurance products, a home warranty’s value is relative to how likely you are to use it and how necessary it is when that time comes.

      In some cases, a home warranty can save you hundreds or thousands of dollars on an unexpected repair. In other cases, you can end up spending more on your premium than you ever need for repairs. However, if you want peace of mind, the purchase may be worth it for that reason alone.

      It’s hard to say — home warranties can cover a wide variety of systems and appliances, and most companies offer multiple plans to suit different needs. Generally speaking, home warranties cover your home systems and appliances against breakdowns and malfunctions caused by normal use. If you’re looking to protect yourself financially from disasters, accidents and theft, sign up for homeowners insurance.

      Bottom line

      Buying a home warranty in Oklahoma is relatively simple, but understanding what you need and how the industry works can streamline the process and help make sure you’re getting the right warranty for your needs. To learn more about buying a home warranty, check out our home warranty buyers guide or our articles on home warranty costs and home warranty coverage.

      ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. To learn more about the content on our site, visit our FAQ page.
      1. Oklahoma State Legislature, “An Act.” Accessed October 24, 2021.
      2. Oklahoma Insurance Department, “Regulated Entities.” Accessed October 24, 2021.
      3. Federal Trade Commission (FTC), “Extended Warranties and Service Contracts.” Accessed October 24, 2021.
      4. Norman Transcript, “Oklahoma ranked as 4th cheapest housing market in U.S.” Accessed October 25, 2021.

      Not sure how to choose?

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        Compare Top Oklahoma Home Warranty Companies

        by Taylor Sansano Contributing Writer

        Taylor Sansano has been writing for ConsumerAffairs since 2018. She’s contributed to consumer resources, local guides and company profiles on a wide variety of topics, helping consumers make smart purchasing decisions at multiple stages of life. She holds a bachelor’s degree in journalism and a master’s degree in liberal arts.

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