Best Home Warranties in Oklahoma

• Our top picks are American Home Shield, Select Home Warranty, American Residential Warranty and First American 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.

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

• Our top pick overall: American Home Shield
• Our pick for fast service: First American Home Warranty
• Our pick for customer service: American Residential Warranty
• Our pick for low service fees: Select Home Warranty

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.

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.

*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.”

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 — as long as they’re properly maintained — that are in good working condition when you purchase the plan.

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.

*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.

American Residential Warranty offers a variety of warranty coverage options, including bundle plans and an electronics protection package. Claims can be made online or by phone 24/7. ARW also lets you choose your own contractors, which is somewhat unique in the home warranty industry.

We’ve compared this company’s home warranty plans based on select coverage items below. Pricing isn’t available for the Heating & Cooling or Platinum plans at the time of publishing, but if you’re interested, check with American Residential warranty to see if they’re available for you.

*At the time of publishing

American Residential Warranty doesn’t have as many local reviews as our other top picks, but the ones it had when we did our analysis are almost entirely positive. Oklahoma reviewers frequently mention the company’s customer service as a positive, and customer service representatives are often praised by name.

Stella from Moore reported, “I had a very good experience on the phone with Sharlene in getting my payment date changed. I am on a fixed income and had to change the date for financial reasons. She was very helpful in doing so and her attitude and finesse was just wonderful. If all my phone conversations were like this one, the world would be a better place.”

Ferial from Muskogee also wrote an enthusiastic review: “Dave!!! Very knowledgeable, thorough, courteous and gets the job done according to the way he was taught to do his job with professionalism and personality.”

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.

*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.”

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.

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.

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.