5 Best Home Warranty Companies in Oklahoma (2024)

We recommend Liberty Home Guard (LHG) for Oklahoma homeowners who need basic home and appliance coverage and unique protections. The company offers three specialized coverage plans plus 42 add-on selections, the largest catalog in this review.

Monthly cost: $49–$59

We scored Liberty Home Guard 4.5 out of 5 stars in our review standards. Here’s how LHG rated in key categories:

• Coverage (4.7 out of 5): LHG scored well for its plan and add-on catalog variety. 
• Value (4.25 out of 5): We deducted points for its unclear service call policy and lack of fee options.
• Trustworthiness and Transparency (4.8 out of 5): LHG scored well for its third-party customer review site scores, which average 4.6 out of 5 stars.
• Availability and Service (4.3 out of 5): LHG lost points for its inflexible service technician policy.

We’ve included more details about each LHG plan below:

• Appliance Guard: This plan offers appliance-only protection to nine items, including clothes washers and dryers, kitchen refrigerators, and ovens. 
• Systems Guard: This systems-only plan includes six essential systems, including HVAC, plumbing, and water heaters. 
• Total Home Guard: The highest plan offers comprehensive coverage and includes all 15 systems and appliances.

Our LHG quote included options for monthly and premium options. We received two months of free service when we selected the annual premium. The company charges service call fees ranging from $65–$125. However, LHG doesn’t provide selectable service fee options like other companies. Instead, you are assigned a fee based on location, plan selection, and add-on options. The company also doesn’t disclose your service call fee until after signing up.

Here are details of LHG’s costs and coverage caps:

Liberty Home Guard provides 42 add-on selections, more than the other reviewed providers. Pricing ranges from $3.99–$35.99. You can add roof-leak coverage for $11.99 per month and plumbing fixture coverage for $7.99. LHG also recommends add-ons in the online quote tool based on your location. Here are other popular options in Oklahoma:

• Pools and spas
• Septic system pumping 
• Stand-alone freezers
• Well pump

In our 2024 survey, homeowners dissatisfied with their current home warranty plan cited poor customer support as the main reason. LHG has an excellent reputation for offering reliable and efficient customer support through its phone support line and live chat service.

During secret shopping, we called the phone line and connected with a representative in under one minute. The representative answered all of our questions thoroughly. The live chat connected to a bot and offered limited information. However, if you request a live agent twice, you can speak to a representative instead.

The company also offers a dedicated app to submit claims, view current warranty details, and make account payments.

We recommend American Home Shield (AHS) for Oklahoma residents who need comprehensive protection for older systems and appliances. The company offers generous limits, including covering items with preexisting conditions, which is rare for most home warranty companies.

Monthly cost: $29–$89

We scored American Home Shield 4.4 out of 5 stars in our review standards. Here’s how we rated it in key categories:

• Coverage (4.7 out of 5): AHS received a high score for its comprehensive coverage, higher coverage caps, and preexisting condition protections. 
• Value (4 out of 5): AHS lost points for its premiums, slightly higher than competitors’ bundled coverage. 
• Trustworthiness and Transparency (4.25 out of 5): We deducted points for its low customer review score average. 
• Availability and Service (4.6 out of 5): We awarded higher points for its efficient claims processing.

American Home Shield offers three plan options: ShieldSilver, ShieldGold, and ShieldPlatinum. We read the American Home Shield sample contract and discovered that every plan includes HVAC and plumbing coverage. While there is a system-only plan, ShieldSilver, AHS doesn’t offer an appliance-focused plan. Its plans include $5,000 caps for systems and $2,000 for appliances. The highest plan, ShieldPlatinum, provides the most comprehensive coverage, doubling appliance coverage to $4,000 and including roof-leak coverage in its baseline plan. The other plans require an additional roof-leak add-on. All AHS plans include an industry-standard 30-day workmanship guarantee.

We’ll review the American Home Shield coverage plans below.

• ShieldSilver: This plan includes coverage for home systems, such as heating, cooling, and plumbing. 
• ShieldGold: The next plan tier offers comprehensive system and appliance protection, including clothes washers and dryers, ovens, and refrigerators. 
• ShieldPlatinum: The highest plan covers everything within ShieldGold plus additional coverage, including roof-leak coverage, a free HVAC tuneup, and unlimited AC refrigerant.

AHS is one of the few companies that doesn’t offer an annual premium. Our sample quote included details for a monthly premium plus available promotions for new customers. We had options for a $100 or $125 service fee, which are higher than other providers. When we selected the highest service call fee, our monthly premium decreased.

Here’s a breakdown of American Home Shield’s premiums and coverage limits:

AHS offers a limited selection of add-on items, less than our other reviewed providers. Home warranty companies provide an average of eight to 10 options. AHS’ six add-on coverage options range from $5–$18 per month. You’ll pay $10 monthly for the roof-leak coverage add-on, which aligns with other providers’ roof-leak coverage costs. Coverage includes a $1,500 limit, which is higher than many providers.

Additional add-on options include the following items:

• Electronics protection
• Guest unit
• Pool and built-in spa equipment
• Well pump

One of our team members tested the AHS claims process using his plan. He submitted a claim for a leaky bathroom pipe on the online portal. After submission, he received both text and email confirmations for his claim. A service technician reached out within an hour to schedule a next-day appointment. The repairs took two hours, and the only out-of-pocket cost was the service call fee.

We recommend Elite Home Warranty for Oklahoma residents who want more flexible and customized home warranty plans. Along with three standard plans, the company offers a fully customizable plan option plus 27 add-on items.

Monthly cost: $44–$58

We rated Elite Home Warranty 4.6 out of 5 stars in our review standards. Here’s how Elite rated in key categories:

• Coverage (4.6 out of 5): Elite earned a high score for its varied plan options and extensive add-on catalog, the second largest in this review. 
• Value (4.25 out of 5): We deducted points for its limited service call fee options and higher charges for certain repair calls. 
• Trustworthiness and transparency (4.8 out of 5): Elite scored well for its high third-party review site scores. 
• Availability and service (4.5 out of 5): Elite lost points for lacking an online quote tool. 

Elite Home Warranty offers three standard protection plans: Elite Appliances, Elite Systems, and Elite Complete. Its Customize Your Own Plan option lets you choose individual systems and appliances, offering a more personalized experience. After reading through the Elite Home Warranty sample contract, we learned that Elite plans include a $15,000 annual limit, meaning combined claims for your service period cannot exceed this amount. This limit breaks down to $8,000 for systems and $7,000 for appliances. In addition, the company varies its coverage caps between different systems and appliances. Many providers offer a standard cap for all appliances and systems.

Elite’s coverage plans are described below.

• Elite Appliances: This appliance-only plan includes eight appliances, including cooktops, clothes washers, and dishwashers. 
• Elite Systems: The system-only plan protects eight home systems, including cooling, heating, and plumbing systems. 
• Elite Complete: The highest plan tier combines the Elite Appliances and Elite Systems plans, protecting all 16 appliances and systems.

Based on our sample quotes, Elite Home Warranty plans cost $44–$58 per month. The company has a standard service call fee of $70, with certain service calls costing more. For example, you’re charged $150 for high-end appliance repairs and after-hour and weekend service calls.

We’ve listed Elite’s pricing and coverage limits:

Elite offers 27 add-on options, the second-largest add-on offering behind American Home Shield. Like its standard plans, Elite’s add-ons have varied coverage limits, with a $5,000 total limit per term.

Most companies don’t set limits for add-on claims. Since Elite also varies its coverage limits for add-on coverage, we recommend reading through the sample contract to verify your caps.

Below is a sample of Elite’s add-on options:

• Annual maintenance
• Drainage, sewer, and water service lines
• Pool and spa equipment
• Septic system

One of our team members experienced issues with his high-end dishwasher, so he filed an online claim with Elite Home Warranty. An Elite claims specialist contacted him within half an hour after he filed his claim to schedule a repair appointment. The technician arrived on time but had to order additional parts. After the initial service visit on Tuesday evening, the technician returned the following Monday with the required parts. The technician completed the repairs in less than an hour.

Elite Home Warranty dispatches technicians from its approved network to perform repairs backed by a 90-day workmanship guarantee. However, using a technician outside Elite’s network will void its workmanship coverage.

We recommend Select Home Warranty for budget-conscious homeowners who need affordable HVAC and roof-leak coverage. The company offers three plans priced under $48, including roof-leak coverage at no extra charge.

Monthly cost: $44–$47

We scored Select Home Warranty 4.3 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (3.7 out of 5): We deducted points for its lower coverage limits, which fall below other providers. 
• Value (5 out of 5): We gave Select a perfect score for its cheap premiums and service call fees. 
• Trustworthiness and Transparency (4.5 out of 5): Select lost points for its low customer review scores across multiple third-party sites. 
• Availability and Service (4.3 out of 5): Select lost points for the lengthy claims process time line. 

Select Home Warranty provides three plan options: Bronze Care, Gold Care, and Platinum Care. We reviewed the Select Home Warranty sample contract and learned that the company offers a $3,000 limit for HVAC systems. You also receive free roof-leak coverage with every plan. Many companies provide this as an optional protection or limit it to their top-tier plans. However, other items receive coverage limits of $500 or lower.

Select Home Warranty offers the following home warranty plans:

• Bronze Care: The appliance-only plan protects essential items, including cooktops, dryers, and refrigerators. 
• Gold Care: The system-only plan covers built-in systems, including HVAC, electrical, and plumbing.
• Platinum Care: The highest plan combines Bronze and Gold Care coverage and adds ceiling fans, garage door openers, and luxury appliances.

Select offers monthly and annual payment options. Our sample quote included a $150 discount and two free months of service when we chose the annual option. While Select has lower service call fees compared to other providers, you are unable to choose your preference. Select charges a $60–$75 service call fee.

Select’s pricing and coverage limits are provided below:

Select provides nine add-on options, which is typical for most companies. The company’s pricing doesn’t exceed $9 per month, which is lower than its competitors. However, Select offers lower caps on add-ons, maxing out at $400 compared to other companies with $500 or higher limits.

Available additional add-ons include the following options:

• Lawn sprinkler systems
• Pools
• Septic systems
• Stand-alone freezers

Based on our secret-shopping experience, Select Home Warranty prefers handling issues and processing claims through phone interactions. We received the lowest service call fee through an exclusive telephone promotion. We recommend calling Select to start the quote process.

We recommend First American Home Warranty for Oklahoma residents who need coverage for their high-end appliances. The company offers appliance caps up to $7,000, the highest in this review.

Monthly cost: $45–$85

We scored First American Home Warranty 4.6 out of 5 stars in our review standards. Here’s how we rated it in key categories.

• Coverage (4.7 out of 5): First American receives a high score for its generous appliance coverage caps and unlimited system limits. 
• Value (4 out of 5): We deducted points for its higher coverage costs and service fees. 
• Trustworthiness and Transparency (4.8 out of 5): First American scored well for its excellent brand reputation and high customer review scores. 
• Availability and Service (4.3 out of 5): First American was given a lower rating due to the extended claims process.

First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. When we read through First American’s sample contract, we learned that the Starter doesn’t include coverage for air conditioning, clothes washers, and dryers. Standard plans typically cover these essential items. Select either the Essential or Premium plan to get washer and dryer coverage. You can add AC coverage to the Starter Plan with an add-on. The company also offers the First American Advantage upgrade for the Essential and Premium plans. This upgrade adds coverage for improperly maintained, installed, or modified items.

Here’s an overview of the available First American plans:

• Starter Plan: This plan offers comprehensive coverage for some systems and appliances, including electrical, heating, and refrigerators. 
• Essential Plan: The next plan tier adds more essential items, including air conditioning, washers, and water heaters.  
• Premium Plan: The highest plan includes Essential Plan coverage and adds luxury appliances and window air conditioning units.

First American offers monthly and annual premium options. When requesting our sample quote, we learned that First American doesn’t provide free months of service or discounts when choosing the annual plan. However, the company does offer seasonal promotions for new customers. You can choose from three service call fees: $75, $100, or $125. Selecting the lowest fee increased our monthly premiums.

First American’s costs and coverage caps are summarized below:

First American offers 12 add-ons, consistent with the industry standard among home warranty providers. The company maintains moderate pricing for its add-ons, ranging from $2–$20 per month. For example, you can add either limited roof-leak coverage or central air conditioning for $8.33 monthly.

Additional add-on options include the below items:

• Additional refrigeration 
• HVAC tuneup 
• Septic tank pumping/system 
• Well pump

A member of our team filed an online claim with First American for a broken garage door opener. The technician sent a text confirmation within 30 minutes and scheduled a service appointment. The repairs took under 30 minutes, and he only paid the service call fee for the visit.