Home Warranty

6 best home warranty companies in Enid, Oklahoma

HOMEFRONT

Updated Jun 22, 2024

Get a quote from our top provider, Liberty Home Guard

Our Methodology

We've ranked the top 6 home warranty companies that operate within 50 miles of Enid. We base our ranking off average customer ratings weighted against the number of reviews. For more information, check out our full methodology.

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Enid, OK

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You might be considering a home warranty to safeguard essential home systems and appliances. For a monthly fee, these policies cover repair and replacement costs when items like AC units and refrigerators break down from normal wear and tear.

Did you know that the typical life span of an HVAC system is seven to 25 years? Other major systems, such as water heaters, only last an average of six to 12 years. Most appliances last just 20 years or fewer, according to the International Association of Certified Home Inspectors.

If your Enid home has a dishwasher, furnace or any other everyday appliance within that age range, you will likely experience an untimely breakdown. The top home warranty companies listed below offer generous coverage at affordable rates.

A typical homeowners insurance policy doesn't cover normal appliance wear and tear. With supplementary coverage from one of these home warranty companies, you'll have additional reassurance in case of an unforeseen failure.

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Find the best home warranty for you in Enid

Here's our list of the best home warranty companies in Enid:

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers the largest number of optional add-ons compared to any provider in this article — 38 in total. It also has plans featuring a 60-day workmanship guarantee on completed repairs.

What we like

Holds high ratings among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Offers an extensive list of 40+ add-on coverages
Provides an easy claims process

What we don't like

Lacks transparency on service call fee pricing
Excludes coverage for known or unknown pre-existing conditions

Elite Home Warranty

4.4/5

EXPLORE PLANS

Average monthly costs: $48.98 - $59.99

Elite lets you fully customize a plan for your exact coverage needs. It also provides an exceptionally long 90-day workmanship guarantee.

What we like

Allows you to choose your technician
Extends a 90-day workmanship guarantee
Offers more than 25 add-ons

What we don't like

Charges higher service fees for high-end appliances
Doesn't provide an online quote
Limits repair and replacement coverage caps for older items

American Home Shield

4.4/5

EXPLORE PLANS

Average monthly costs: $29.99 - $89.99

American Home Shield was one of the first home warranty companies, having been in business since 1971. It provides three base plans and six add-ons.

What we like

Offers generous coverage caps
Allows customers to build their own plans
Provides the option to choose the service fee you want to pay

What we don't like

Doesn’t let customers choose their own technician
Offers limited add-on options

First American Home Warranty

4.2/5

EXPLORE PLANS

Average monthly costs: $47.00 - $87.00

First American Home Warranty has comprehensive coverage caps for appliances in each plan. Additionally, First American includes its First American Advantage upgrade in its Essential and Premium plans. This upgrade provides coverage for miscellaneous items, such as appliance knobs and dials.

What we like

Allows you to choose your service call fee
Doesn’t have a coverage cap on heating, cooling, or ductwork
Accepts 24/7 service calls
Offers replacement of some covered items that are too damaged to repair

What we don't like

Doesn’t let customers choose their own contractor
Charges higher for coverage compared to other providers

Cinch Home Services

4.3/5

EXPLORE PLANS

Average monthly costs: $38.99 - $66.99

Cinch is known for offering unique perks such as homeowners insurance deductible reumbursement and adjustable service fees and premiums.

What we like

Offers home insurance deductible of $500
Extends a long 180-day workmanship guarantee
Provides generous $10,000 aggregate coverage limit

What we don't like

Charges high service fees of $100-$150
Doesn’t allow customers to choose their own technician
Isn’t available in Hawaii or Alaska

Select Home Warranty

3.9/5

EXPLORE PLANS

Average monthly costs: $44.42 - $47.75

Select Home Warranty plans have low premiums, and each one includes coverage for roof leaks.

What we like

Provides low service fees compared to other home warranty providers
Includes two extra months of coverage in annual signup
Has an appliance-only, systems-only, and combo plan option

What we don't like

Has a $75 cancellation fee
Low coverage caps

Cost of a home warranty in Enid

The cost of a home warranty is in line with the national average, and it largely depends on how frequently you choose to make payments. The national average is about $40.91 to $77.05 per month, or $563.62 to $927.43 per year. We calculated the average by requesting hundreds of quotes using 2,000-square-foot, single-family homes across each state the providers service.

Home warranty coverage

Home warranties protect a variety of major systems and home appliances. We'll lay out a general overview of the two main coverage categories.

What are the typical items covered under a home warranty?

Clothes dryers
Cooktops
Built-in microwaves
Refrigerators
Dishwashers
Washing machines

Kitchen appliances and household items form the first group of items that a home warranty provides coverage for. This includes the following items: Major systems form the second category of covered items. The specific definition of what a "major system" is will differ between different plans. However, most consist of the following:

HVAC
Plumbing
Electrical
Water heater
Central vacuum

What items are typically not covered under a home warranty?

Just like other service contracts, home warranties do not cover certain items or events. These are called exclusions. Generally, home warranties don't cover item breakdowns caused by damage outside normal wear and tear. For example, if your air conditioner stops working due to a dirty air filter, home warranty companies likely won't cover the repairs since air filter replacement falls under routine maintenance.

Improper system or appliance installation
Cosmetic damage
Acts of nature
Hazardous waste
Preexisting conditions
Rust or corrosion damage

Questions to ask home warranty providers in Enid

Before purchasing a home warranty coverage plan, we recommend asking providers the following questions.

What items are covered by my policy?

Determine what appliances and systems you need covered before getting home warranty quotes. This way, you can find a provider that includes them. Some providers separate appliance and system coverage. Also, many home warranty companies offer optional coverage, such as for lawn sprinkler systems or roof leaks. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

Standard home warranty contracts last for 12 months from the coverage effective date, which is usually 30 days after the initial sign-up date. Companies have this 30-day waiting period to prevent customers from filing claims for preexisting conditions. You may extend the 12-month policy term by purchasing a multiyear plan.

What contractors do you work with?

Be sure to ask about the warranty provider's network of licensed service contractors. Companies will usually have strict licensing requirements and other standards for a contractor to get repair approval. If there are no partner contractors near where you live, the company might let you choose your own. You can verify a contractor's license by searching your local or county government database.

How does your claims approval process work?

Each company's claims process will differ from the others. If a covered issue strikes, you could file a claim online or over the phone. Most companies try to respond to claims within one to two days, though there might be processing delays if you filed outside normal working hours. After you file your claim, a staff member will review it and connect you with a networked repair service. The contractor's team will schedule a meeting with you to examine the appliance and diagnose the problem. Once the company grants final approval, the contractor can proceed with repairs.

Can I transfer my policy to the next owner of my home?

If you need to move, most home warranty contracts feature a clause allowing you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others will charge a transfer fee. Some home warranty companies also offer special coverage plans that are easily transferred to prospective buyers. Home sellers purchase these home warranty plans to boost their home's appeal.

Home warranty contract fine print

Before you select a home warranty, examine its terms and conditions to ensure they're aligned with your needs. As you read through the sample contract, look for these key details and clauses:

Exclusions: Home warranties have both general exclusions and ones specific to components. Even if a device or system is generally covered, your warranty could still exclude some specific parts if they suffer damage. Read your sample contract carefully to be aware of what is not covered.
Coverage limit: Your home warranty's coverage limit is the cap on how much the company can pay per claim. A warranty contract could also have other stipulations, like annual coverage limits.
Workmanship guarantee: The workmanship guarantee is the period during which the home warranty company won't charge an additional service call fee for a repair if an in-network technician has recently serviced the item. The industry standard is 30 days, but some companies offer longer workmanship guarantees.
Cancellation: A home warranty contract should include information on cancellation and refunds. If you cancel within the first 30 days of signup, many companies will fully refund your annual premium.
Service call fee: Whenever you file a claim, the warranty company or repair provider will levy a service call fee ranging from $75 to $125.

Facts about Enid

Average High in July

97°F

Enid

83°F

National Average

Average Low in January

27°F

Enid

17°F

National Average

Average Daily Sunlight

71%

Enid

69%

National Average

Our Top Pick

4.5

Our Rating

Extends 60-day workmanship guarantee
Holds high customer ratings
Offers customization with 38 add-ons

Explore Plans

4.4

Our Rating

Covers rust and corrosion damage
Offers comprehensive coverage limits
Provides flexible service fees

$150 Off Any Plan

Explore Plans

3.8

Our Rating

Charges low premiums
Includes roof-leak coverage
Offers solid HVAC coverage

Explore Plans

Our methodology for selecting home warranty providers

We review national home warranty providers against our full home warranty methodology. We score warranty providers based on coverage options and limits, price, brand reputation, customer service, extra features and availability.

Editorial note: The name “Homefront” refers to the alliance between USA TODAY and Home Solutions that publishes review, comparison, and informational articles designed to help USA TODAY readers make smarter purchasing and investment decisions about their home. Under the alliance, Homefront provides and publishes research and articles about home service and home improvement topics. Homefront has an affiliate disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Homefront editorial staff alone (see About Homefront). Homefront adheres to strict editorial integrity standards. The information is believed to be accurate as of the publish date, but always check the provider’s website for the most current information. Go back to top

Our editors may use AI as an input tool to tailor information in local markets. All content goes through a rigorous research and review process led by our team of writers and editors.

6 best home warranty companies in Enid, Oklahoma

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