Home Warranty

6 best home warranty companies in Norman, 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 Norman. 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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Consider a home warranty to financially protect your home's essential items. These policies cover the repair or replacement of common household systems and appliances, like air conditioners and refrigerators, for a monthly fee.

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 Norman home contains aging furnaces, dishwashers or other appliances, you'll probably encounter an unexpected failure. These top-rated home warranty firms offer robust coverage at fair prices.

Norman's fiercely hot summers make an air conditioner failure costly and even hazardous. You can have additional peace of mind with a home warranty that has major system and appliance coverage. The national companies below carry top policies and special perks.

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 Norman

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

Liberty Home Guard

4.6/5

EXPLORE PLANS

Average monthly costs: $49.99 - $59.99

Liberty Home Guard offers 38 different coverage add-ons – the most of any home warranty company we researched. Each covered repair also comes with a 60-day workmanship guarantee.

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

Founded in 1971, American Home Shield was one of the country's first home warranty companies. Today, it offers three coverage plans and six supplementary 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 has some unique home warranty offerings and coverage perks, including homeowners insurance deductible reimbursement. Just like many other companies, it also offers flexible service fees that give you a greater say in your premium.

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

Roof leak repair coverage is a rare perk that Select offers to its customers. It's also a good company to keep on your shortlist if affordable premiums are your top priority.

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 Norman

The typical monthly cost of a home warranty in Norman ranges from $41 to $70, on par with the national average. If you're paying on an annual basis, expect to spend anywhere from $563.62–$927.48 per year. To calculate national cost data, we requested hundreds of quotes for 2,000-square-foot, single-family homes across each state that the providers service.

Home warranty coverage

With a home warranty, you'll have extra coverage for major systems and home appliances. However, it's not a substitute for homeowners insurance, and there are some limitations to coverage. Below, we'll discuss what's generally covered and what's not.

What are the typical items covered under a home warranty?

Built-in microwaves
Dishwashers
Refrigerators
Washing machines
Cooktops
Clothes dryers

The first category of items a home warranty covers is kitchen and living appliances. This covers the following: When you purchase a home warranty, you're also getting coverage for major home systems. While different plans have different coverage scopes for this category, the following systems can be included:

Electrical
HVAC
Plumbing
Central vacuum
Water heater

What items are typically not covered under a home warranty?

Like other service contracts, home warranties won't cover certain components or appliances. 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 malfunctions due to a dirty air filter, home warranty companies probably won't cover the repairs since air filter replacement falls under routine maintenance.

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

Questions to ask home warranty providers in Norman

We recommend asking each home warranty provider you're considering the following questions about their plans, terms and policies.

What items are covered by my policy?

Assess your coverage requirements before requesting a quote from a home warranty company. Once you've determined what items need coverage, confirm that the provider includes them in its packages. Some companies separate appliance and systems coverage into different plans, so ensure you choose the right one. Also, many home warranty companies offer optional coverage, such as for additional refrigeration or swimming pools. Consider purchasing add-ons if you need protection for specific items.

How long is my home warranty good for?

A typical home warranty plan is valid for one year from the coverage effective date, which is 30 days after the initial sign-up date. The 30-day waiting period serves as a way to deter 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?

Ask potential home warranty companies about their network of local service contractors. A contractor must have the proper local and state licensing to access the company's network. If your area has no in-network contractors nearby, the warranty company may 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 is slightly different from the others. If a covered issue strikes, you could file a claim via their website or over the phone. Most companies try to respond to claims within one to two days, though there might be processing delays when filing outside normal working hours. After you file your claim, a staff member will review it and connect you with an in-network repair contractor. The contractor's team will schedule a meeting with you to inspect the issue and diagnose the problem. Once the company grants final approval, the contractor can begin the repair work.

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

If you need to move, most home warranty contracts feature a clause permitting you to transfer the policy to the new homeowner. Some companies handle the transfer at no charge, though others levy a transfer fee. Home warranty coverage can be reassuring to new homebuyers. Some companies offer sellers special coverage plans that are readily transferable to buyers.

Home warranty contract fine print

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

Cancellation: You'll typically find the warranty company's cancellation policy within their fine print. Depending on the company, if you cancel within the first 30 days of enrollment, you might receive a full refund of the entire premium.
Coverage limit: Each home warranty has a coverage limit that sets how much a company will cover per individual claim. Warranty contracts could also have annual coverage limits.
Service call fee: Whenever you file a claim, the home warranty or repair company will levy a service call fee. These fees typically range between $75 and $125.
Exclusions: Be sure to learn more regarding component-specific exclusions in the home warranty company's sample contracts. Some parts of an appliance may be excluded even if the appliance itself is usually covered under the policy.
Workmanship guarantee: Home warranties usually include workmanship guarantees of at least 30 days. If an in-network technician attempted to fix your appliance or system, and you keep experiencing issues with it, the company won't charge an additional service call fee for new repairs.

Facts about Norman

Average High in July

95°F

Norman

83°F

National Average

Average Low in January

30°F

Norman

17°F

National Average

Average Daily Sunlight

71%

Norman

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 Norman, Oklahoma

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