Whether you own it or rent it, expensive home systems will break. Companies offer home warranties to cover the repair and replacement of large appliances, plumbing and electrical systems. We researched the best home warranty companies in Oklahoma City to safeguard your property and pocketbook.
Home warranties are something to consider when you're buying a home, have rental properties or even when you sell a home. A warranty can be worked into a purchase contract on a home for the sellers to pay. It's important to note that appliances and systems must be properly maintained for companies to cover them.
Systems typically covered in a home warranty in Oklahoma City include:
Air conditioning, heating, ductwork (HVAC)
Optional additional coverage for pools, septic systems and limited roof leaks
Oklahoma City has many older, historic homes in neighborhoods like Mesta Park, Lincoln Terrace, Heritage Hills and Crown Heights. Without home warranty coverage, wear and tear on older homes and appliances can result in hefty repair bills. In addition, the severe storms, heavy rain and tornadoes that threaten Oklahoma City increase the risk for needing a home warranty.
Understand that a home warranty and homeowners insurance are not the same thing.
Home warranty coverage
Homeowners insurance coverage
Garage door openers
New homeowners might get lucky with a seller who is willing to purchase a home warranty for the buyer. However, you don't have to purchase one before closing. Either way, be sure to evaluate the warranty company thoroughly so you understand what is covered. Some things like pools, septic tanks and well pumps are add-on coverages, so read your contract carefully. It is also a great idea to check out reviews and complaints about the warranty company before purchasing.
After selecting a provider, it is important to know who will be working on repairs. Home warranty companies in Oklahoma City dispatch a local licensed and insured repair person, which removes the hassle for the consumer to do it themselves.
Warranty cost is just as important to consumers as reliability. Most warranty providers have multiple, customizable options for you to choose from. Typically the fee is paid annually plus an additional service fee per claim.
Total Home Protection offers OKC residents two plans with optional add-ons, such as for pools and central vacuums. Claims can be filed online or over the phone, and licensed and insured repairmen are sent to your home in a timely manner. Plans start at $1 per day, making this a great choice for homeowners on a budget.
Choice Home Warranty offers two packages, with the first month free. The company has a $75 fee per claim. It has a 24/7/365 call center and an online claim system. Customer reviews say claims are open for a long period of time, and there is a maximum payout for some repairs.
American Home Shield offers an appliances plan, a systems plan and a build-it-yourself plan for flexibility. A home inspection is not required before purchasing a plan, and the company offers discounts for referring a friend, on appliance purchases and air filters. Customers in OKC say the company is honest and acts quickly on claims.
Select Home Warranty offers three tiers of plans and monthly payments instead of the typical yearly lump payment. This company won Best in Service in 2018 from a warranty review site, and reviews seem to line up with that award, praising customer service and quick response.
AFC Home Club has three plans (silver, gold, platinum) for one or three year terms. Customers love that there’s no deductible and only a $60 charge for every claim a contractor comes to service. Reviewers in OKC say they’re satisfied with AFC’s polite representatives and prompt service.