Best Home Warranty Companies in Oklahoma (2024)

Benefits

➕ Added protection: AHS includes items with preexisting conditions and physical damage, a rare benefit in the home warranty industry

➕ Roof-leak coverage: The ShieldPlatinum plan, its highest plan, includes roof-leak coverage

➕ Generous coverage caps: AHS offers some of the highest coverage caps in this review

Drawbacks

➖ Limited technician options: AHS doesn’t let you choose your own techs unless it doesn’t have any in the area

➖ Few add-on options: It only offers six add-on options, less than other reviewed providers

➖ No appliance-only plan: AHS doesn’t offer an appliance-only option, requiring you to choose a comprehensive plan instead

AHS offers three plans: ShieldSilver, ShieldGold, and ShieldPlatinum. You’ll pay $360 to $894 annually and can choose a $100 or $125 service call fee with your plan. Each plan includes coverage for preexisting conditions and rust, corrosion, and sediment damage. These conditions are typically excluded by most home warranty coverage providers. They’re excellent protections to have if you own an older Oklahoma home.

We break down the available AHS plans and costs below:

• ShieldSilver ($29.99–$39.99 per month): This plan offers protection for 14 essential systems, such as air conditioning, attic fans, built-in exhaust, ceiling fans, ductwork, doorbells and chimes, faucets, fuse panel boxes, garage door openers, heating units, interior electrical lines, plumbing lines, main breakers, toilets, vents, valves, water heaters, and whirlpool tub motors and their components.
• ShieldGold ($49.99–$64.50 per month): The lowest comprehensive plan includes ShieldSilver items, plus built-in microwaves, cooktops, dishwashers, dryers, garbage disposals, instant hot/cold water dispensers, ovens, ranges, refrigerators, and washers.
• ShieldPlatinum ($68.99–$74.50 per month): This highest plan doubles appliance caps to $4,000 and adds $1,500 roof-leak coverage, $1,000 for code upgrades, a discounted annual HVAC tune-up, and unlimited AC refrigerant.
• Add-ons: AHS offers six options, including coverage for electronics, guest units, pool or spas, septic systems and pumps, and well pump protections.

After reviewing the AHS sample contract, we found the following exclusions and coverage caps in its plans:

• Appliances: You receive a $2,000 cap with the ShieldGold plan and $4,000 with  ShieldPlatinum coverage. 
• Air conditioning, heating, HVAC: Oklahoma homes receive a $5,000 coverage cap for units up to a 5-ton capacity. You also receive a $1,500 limit for geothermal, glycol, hot water, or steam circulating systems and water source heat pumps. 
• Plumbing: The company includes a $5,000 limit for accessible plumbing systems. You’re limited to $1,000 for systems in obstructed walls, ceilings, and floors.
• Roof leaks: Roof leaks receive up to $1,500 in coverage. The company doesn’t cover metal roofs, skylights, or roof-mounted installations such as downspouts, gutters, and solar panels.
• General exclusions: AHS doesn’t offer protection for cosmetic issues, routine maintenance, and improperly sized systems.

AHS is accredited by the Better Business Bureau (BBB) and holds a B rating. We read hundreds of customer reviews to learn more about the AHS experience.

Reviews appreciated the efficient claims process and knowledgeable technicians. However, not all technician visits yielded positive results. Some homeowners mentioned issues with their technicians, stating multiple visits were required to resolve their item repairs.

One of our team members has an AHS policy and said his experiences have been positive. In the past, his claims have been processed within 24 hours and resulted in a technician visit one or two days later. For his most recent claim, he received a next-day repair appointment an hour after submitting it online. The repairs were completed in under two hours, and he only paid the service call fee for his visit. 

Benefits

➕ Lengthy workmanship guarantee: LHG provides a 60-day workmanship guarantee with its repairs

➕ Add-on variety: It offers 42 add-on options, which is more than other review providers

➕ Unique perks: LHG offers appliance discounts to its customers

Drawbacks

➖ No service call fee flexibility: LHG assigns its service call fees to plans based on several factors, including your location

➖ Lower system limits: Its electrical and plumbing limits fall below most competitors

➖ Out-of-network exclusions: LHG doesn’t cover repairs completed by out-of-network technicians under its workmanship guarantee

LHG offers three plans for Oklahoma homes: Appliance Guard, Systems Guard, and Total Home Guard. Plans cost $600 to $720 annually but don’t include service call fee options. Instead, the company assigns a $65 to $125 service call fee based on your select plan, add-ons, and location. Most home warranty companies include at least two options for better pricing customization.

We detail LHG plans and costs below:

• Appliance Guard ($49.99 per month): This plan includes appliance-only coverage for key items, including your built-in microwave oven, ceiling and exhaust fans, clothes dryer, clothes washer, cooktop, dishwasher, garbage disposal, garage door opener, oven, range, and refrigerator with ice maker and display.
• Systems Guard ($54.99 per month): This systems-only plan protects your air conditioning system, ductwork, electrical system, heating system, plumbing system, and water heater.
• Total Home Guard ($59.99 per month): This comprehensive plan includes Appliance Guard and Systems Guard items.
• Add-ons: LHG offers an extension catalog with 42 add-ons, including carpet cleaning, electronics, gutter cleaning, and pro-series appliances.

Oklahoma homeowners should review LHG’s sample contracts to get exact coverage details. We reviewed the sample contract and noted the following:

• Appliances: Your plan includes a $2,000 coverage cap per item.
• Systems: Systems include a $2,000 cap for each item. 
• Electrical and plumbing: These systems include a $250 limit for the first 90 days after sign-up. Then, coverage increases to $500.
• Add-ons: Add-ons start at $250 for the first 90 days and increase to a $500 limit afterward. 
• Additional exclusions: LHG excludes items with preexisting conditions or damage from improper installation or modification.

LHG currently has an NR rating with the BBB. This usually means an organization’s ratings are being reviewed. The company received a BBB alert in March 2024 due to complaints concerning its claims process, customer service, and sales tactics.

We contacted LHG regarding the BBB alert, and it shared the following statement: 

“Despite the BBB’s alert, our customer satisfaction levels remain by far the highest relative to our scale. Last month, we had the lowest percentage of customer cancellation requests in our entire history. On the BBB’s own platform, Liberty Home Guard has achieved a star rating of 4.5 out of 5 from nearly 2,500 reviews. For added context, the approximately 480 resolved complaints on Liberty Home Guard’s BBB profile equate to an extremely low fraction of a percentage relative to the size and scale of our total customer base. As we navigate this situation, which we believe will be resolved in time, we want to assure you that we remain committed to our customers and their satisfaction; they are the key stakeholders we orient all our efforts around.”

Despite receiving a BBB alert, LHG maintains impressive customer review scores across multiple third-party sites, including the BBB and Trustpilot. Our analysis of dozens of customer reviews revealed that homeowners commended LHG for providing excellent customer support and a streamlined claims process. However, some customers criticized the company for issuing payouts that fell short of promised coverage caps.

Benefits

➕ Add-on catalog: Elite offers 27 add-ons, the second largest add-on variety in this review

➕ Coverage flexibility: It has a 60-day money-back guarantee that includes your 30-day waiting period and first 30 days of coverage.

➕ Extensive repair guarantees: Elite provides a 90-day workmanship guarantee, three times the industry standard

Drawbacks

➖ Added service call fees: Elite charges a $150 service call fee for certain repair calls

➖ Limited workmanship protection: It doesn’t include its workmanship guarantee if you use your own technician

➖ No online tool: Elite doesn’t offer an online quote tool, requiring over-the-phone quotes instead

Elite provides three standard coverage plans for Oklahoma homes: Elite Appliances, Elite Systems, and Elite Complete. The Customize Your Own Plan is also available and allows you to select specific item coverage. However, you must work with an Elite presentative to get exact plan premium pricing. Standard coverage plans cost $528 to $696 annually and include a $70 service call fee. The company only offers one service call fee option for standard plans but charges a $150 fee in certain circumstances, including after-hours and weekend service calls.

We explain Elite’s standard plans and pricing below:

• Elite Appliances ($44.49 per month): This plan includes eight appliances, such as your built-in microwave, ceiling fans, clothes dryer, clothes washer, dishwasher, garbage disposal, range/oven/cooktop, and refrigerator including ice maker and water dispenser.
• Elite Systems ($49.99 per month): This systems-only plan protects eight systems, including your air conditioning system, electrical system, garage door opener, heating system, plumbing fixtures, plumbing stoppage, plumbing system, and water heater.
• Elite Complete ($58.99): This is the highest plan that combines coverage to offer protection for all 16 appliances and systems.
• Add-ons: Elite provides 27 add-on options, including HVAC annual maintenance, premium appliances and systems coverage, and pool and spa equipment coverage.

Elite includes some unique plan exclusion and coverage caps not found with other providers.

• Annual aggregate limit: Elite includes a $15,000 annual claim limit for its plans. 
• Appliances: You receive a $7,000 coverage cap per contract term. However, individual item caps vary from $500 to $3,000.
• Systems: You can claim up to $8,000 for systems. Individual system limits range between $750 and $4,000
• Add-ons: Add-ons have a separate limit of $5,000 per term. Individual add-on caps range from $500 to $5,000
• General exclusions: Like many home warranty providers, Elite doesn’t include preexisting conditions or improper installations in its coverage.

Elite holds an A+ rating* with the BBB, which is high for a home warranty company. Most providers have a B rating. The company also has high customer review scores across multiple review sites. After analyzing customer reviews, we learned that homeowners found the company’s claims process to be efficient and easy to manage. However, some customers received delays in their claims processing, with approvals taking up to 48 hours or longer in most cases.

Our team member tested the Elite claims process. An Elite representative contacted him 30 minutes after submitting his claim. He received a next-day repair appointment but met with some delays during the repair. The technician had to order out-of-stock parts, delaying the process by four business days. However, the repairs were completed once the products were delivered with no further delays.

Benefits

➕ Greater plan variety: AFC Home Warranty offers extensive plan options, including four coverage plans and three service call fees 

➕ Membership perks: It provides membership benefits such as free identity monitoring

➕ Unlimited repair guarantee: The company offers a workmanship guarantee that covers the full length of your contract

Drawbacks

➖ Damage exclusions: AFC Home Warranty doesn’t provide coverage for unknown preexisting conditions

➖ Depreciated caps: It lowers payouts based on the depreciated value of items five years and older

➖ Quick claims submissions: You must submit claims to AFC Home Warranty within 24 hours of discovering your issue

AFC Home Warranty provides four plans in Oklahoma: the Silver Plan, the Gold Plan, the Platinum Plan, and the Diamond Plan. Plan premiums range from $408 to $1,104 for annual options. Your service fee options range from $75 to $125. Every plan includes the plan-length workmanship guarantee and exclusive membership benefits.

Here’s an overview of AFC Home Warranty’s plans and costs:

• Silver Plan ($34.33–$39.08 per month): This appliance-only plan covers your clothes dryer, clothes washer, refrigerator, oven/range, cooktop, stove, dishwasher, garbage disposal, and garage door opener.
• Gold Plan ($48.50–$53.17 per month): This comprehensive plan protects 15 appliances and home systems, such as air conditioning, ductwork, electrical system, heating system, and plumbing system.
• Platinum Plan ($53.17–$57.92 per month): This plan includes 20 appliances and systems, including your built-in microwave, fans (attic, exhaust, ceiling), faucet, ice maker, and plumbing stoppages. 
• Diamond Plan ($87.75–$92.50 per month): The highest plan tier offers Platinum Plan items and coverage for electronics, exterior sewer lines, and exterior water lines.
• Add-ons: You can supplement coverage with its add-on options, which include built-in microwaves, central vacuums, double ovens, hot water dispensers, ice makers, in-ground pools, septic systems, stand-alone freezers, sump pumps, tankless water heaters, and well pumps.

While reading through the AFC Home Warranty sample contract, we noticed several exclusions that could impact Oklahoma residents with older homes and systems. We detail these key contract terms below:

• Systems: Item age may reduce your total protection if they’re five years or older. If so, your systems receive a lower cap based on their depreciated value.
• Appliances: All plans include a $3,000 coverage limit for appliances. 
• Add-ons: Add-ons carry varying coverage limits, so review the sample contract before selecting coverage. 
• General exclusions: AFC Home Warranty excludes items with rust or corrosion damage and preexisting conditions. Items with cosmetic issues and damage caused by an uncovered item are also excluded. In addition, AFC Home Warranty plans don’t cover routine maintenance for your systems and appliances.

AFC Home Warranty maintains a B rating with the BBB. We read hundreds of online testimonials and discovered that the company has mixed reviews across several sites. Positive reviews mentioned the company’s efficient response times and knowledgeable staff. Negative ones detailed issues with the claims process that resulted in either denied claims for technicalities or returned payments due to item age.

Benefits

➕ Annual plan promotions: You receive two months of free service when you select an annual plan

➕ Roof-leak coverage: Plans include $400 of limited roof-leak coverage

➕ High HVAC caps: Select offers a generous $3,000 coverage cap for HVAC systems

Drawbacks

➖ Limited technician flexibility: You can choose your own technician only if Select doesn’t have in-network options in your area

➖ Below-average coverage limits: Select offers $500 coverage caps, which fall below most of its competitors

➖ Limited service call fee: The company doesn’t offer service call fee flexibility 

Select provides three coverage plans for residents: Bronze Care, Gold Care, and Platinum Care. Unlike other home warranty providers that charge extra for roof-leak coverage, the company includes coverage with each of its plans. You’ll pay $533 to $573 annually for coverage, which is lower than most companies in this review. However, Select assigns service fees of $60 to $75. While secret shopping, we learned you can secure the lowest service call fee by signing up over the phone.

Here’s a look at Select’s plans and pricing:

• Bronze Care ($44.42 per month): This plan offers appliance-only protection for your built-in microwave oven, clothes dryer, clothes washer, cooktop, dishwasher, garbage disposal, oven, refrigerator, and stove.
• Gold Care ($44.42 per month): This systems-only plan offers coverage for your air conditioning, ductwork, electrical system, heating system, plumbing system, and water heater.
• Platinum Care ($47.75 per month): The highest plan combines Bronze Care and Gold Care coverage and adds ceiling fans and garage door openers. 
• Add-ons: Select offers eight add-on coverage options, including central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps. 

Given Select’s lower coverage caps, we recommend reviewing the company’s sample contract for complete coverage details. We’ve highlighted some keep points below:

• Appliances: Appliances receive a $500 coverage cap. 
• Air conditioning, heating, and HVAC: Plans include a $3,000 cap for HVAC systems.
• Electrical and plumbing: You only receive $500 caps for electrical and plumbing systems. 
• Roof-leak coverage and other add-ons: These items receive a $400 coverage cap.
• General exclusions: Select doesn’t cover items in commercial or residential properties used for business purposes or items with preexisting conditions.

Select holds a B- rating with the BBB. Select received mostly mixed reviews across third-party sites. Positive reviewers commended the straightforward claims process and knowledgeable service technicians. However, many customers criticized the challenges in reaching customer service representatives, citing long hold times and inadequate follow-ups.