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 Looking for the best home warranty companies in Oregon? You’ve come to the right place! ReviewHomeWarranties.com has collected and analyzed data from various home warranty companies in Oregon. Below you can see their reviews and choose the one that offers coverage for the home systems and appliances of your choice – like our top-rated pick Choice Home Warranty or our close second contender, American Home Shield.

Editor's Choice
97.0

Limited Time: New Customers Get $50 Off
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Best Overall
97.5

Limited Offer: $50 Off + 1 month free
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Most Affordable
95.8

Limited Time: $150 Off + 2 Free Months + roof coverage
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Best Home Warranty Companies in Oregon

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 97.5
  • $50 Off + 1 month free
  • Won't deny coverage if systems/appliances are old
  • Free cancellation within 30 days
  • Emergency service available
  • Reservice for failed repairs
  # 2 American Home Shield
Editorial Rating 97.0
  • Get $50 off
  • Lower chance of claim denial
  • 24/7 service calls and online service
  • Large and established firm
  • Choose your own service fee!
  • Market veteran
  # 3 Select Home Warranty
Editorial Rating 95.8
  • $150 off + 2 months free
  • FREE Roof Leak Coverage
  • Good selection of plans
  • High contractor professionalism
  • $0 transfer fee
  • First 30 days: Free cancellation
  # 4 Liberty Home Guard
Editorial Rating 95.1
  • $200 off + 2 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 5 ServicePlus Home Warranty
Editorial Rating 95.05
  • $200 OFF + 2 Months Free
  • Free Roof Coverage
  • Comprehensive coverage plans
  • 1 day to submit claim
  • Limited availability (6 states)
  # 6 Cinch Home Services
Editorial Rating 95.0
  • First 2 Months Free on all Plans! (exclusions apply)
  • Industry-leading 180-day workmanship guarantee
  • $500 Homeowner insurance deductible reimbursement
  • 18,000 reliable & fast local technicians
  • 24/7 customer service
  • Low cancellation fee
  # 7 First American Home Warranty
Editorial Rating 94.9
  • Best Customer Service 2020
  • $100 Instant Online Discount
  • Plans from $25/m
  • Automatically renewed policy

Disclosure: ReviewHomeWarranties.com has referral agreements with some of the home warranty companies presented on our lists throughout this website, including our the above rankings. Referral income which we generate through these agreements helps us keep the content free of ads and accessible.

Oregon is a beautiful state located in the Pacific Northwest region of the USA. Over 4 million people live in this state and almost 63% are homeowners. Like every homeowner, Oregonians are looking for better ways to protect their homes. In addition to home insurance, many homeowners in Oregon purchase home warranty plans that cover their home systems and appliances.

What should you cover your home under a home warranty in Oregon?

To answer this question, first of all, you should think about the climate you live in. If you are in the western part of the state, in or around such cities such as Portland, Salem, Eugene, or Medford, the climate there is very humid as it is heavily influenced by the Pacific Ocean.

Protect your home appliances

Home warranty OregonHumidity may have a detrimental effect on the operation of home appliances so it would be wise to protect them with a good home warranty plan. The best home warranty companies in Oregon will be happy to provide full protection for your home appliances.

Select Home Warranty, for example, offers a special plan for home appliances. For $430 a year, you can get coverage for all essential home appliances, including washer and dryer, dishwasher, garbage disposal, built-in microwave, oven, and refrigerator.

Protect your home systems

In case you live in the northeastern part of Oregon, you know how cold it may become in winter. Even though Oregonian winters are considered mild for its latitude, compared to New England or Quebec, the temperatures may go really low from time to time. The average winter temperature in Oregon is 34°F, and the lowest recorded temperature was −54°F (−48°C) on February 10, 1933, at Seneca.

Thus, it is important to have a functional heating system, and the best way to have it protected is to cover it under a good home warranty plan from one of the best home warranty companies in Oregon, such as 2-10 Home Warranty. It offers coverage for the heating system up to $3,000 per contract term, which is one of the highest caps on the market.

Snowfalls in Oregon are not rare, especially in the eastern part of the state, which can see a significant amount of snow in winter. Snowfalls are notorious for causing power outages. If you live in the area where the snowstorms are a usual part of winter, it will make sense to protect your electrical system under a home warranty. Service Plus provides coverage for all parts and components of the electrical system in your house up to $500 per contract term.

Oregon house covered under ahome warrantyHow old is your house?

Another aspect that you should consider while purchasing a home warranty in Oregon is the age of your house. According to Census Bureau data, the median age of the house in Oregon is forty years, which means that most home systems have been repaired or will need to be repaired in the near future. As you may already know, the cost of these repairs can go as high as several thousand dollars. Home warranty companies in Oregon can help you bring this cost down.

In case you are not entirely convinced that you need to buy a home warranty for your house, we have created a Home Maintenance Calculator that compares the average cost of maintenance to the average cost of a home warranty in Oregon for your particular house. Please enter the age of your house and the expected number of repairs to see the difference.

Do you own a duplex in Oregon and are in need of coverage? Check out this link to learn how your property can be protected.

Read Our Research - Home Warranty Costs

Have you ever wondered about the real costs of home warranties? In our research, we compared all home warranty costs and fees by state, by plan type, by the term, by deductible, and by house age and type. See the three states with the highest and the lowest annual premium costs and learn how plan options affect how much you will pay for a home warranty.

 

Home Warranty Costs: The Real Figures - In Our Research

Home warranty regulations in Oregon

It is crucial for any home warranty customer to know which authority regulates home warranty companies in their state. All home warranty companies in Oregon must be licensed by Oregon Construction Contractors Board in order to provide services in this state. So, if you have any issues that cannot be solved by the customer service you can file a claim with this authority.

Best Home Warranties in Oregon Reviewed

Choice Home Warranty Review (Best Overall Home Warranty)

  • Service Fee: $85
  • Coverage: 9/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 10/10
  • Customer Service: 9.5/10
  • Rating: 97.50

Visit Website

(848) 237-1571
choice home warranty

Why Do We Like Choice?

Out of all the home warranty companies we reviewed, Choice Home Warranty has the most comprehensive plans, good payout limits, minimal number exclusions, quality customer service, and affordable cost.

Choice has two main home warranty plans. The “Basic Plan” and the more comprehensive “Total Plan” covering 15 home appliances (dishwasher, etc) and systems (duct work, water heater, etc). They also have "Optional Coverage" for add on items most homeowners don't usually have, which include pools and spas, well pump, sump pump, roof leaks, other extraneous items. 

Based on our review, Choice’s “Total” plan covers these items at a more affordable price point than its competitors although has a few more exclusions, which is how they can justify charging a lower monthly payment.

The thing about home warranties is that they are a bit complicated with a lot of moving parts that may confuse most homeowners on what’s covered versus what’s not covered.

A key deciding factor in our review looking for the best home warranty company is finding one with top quality customer service to help customers like you walk through the claims process so you don’t have to worry about nasty surprises when you need service.

That said, Choice has 24 hours a day 7 days a week 365 days a year availability and a 48 hour response time to get a contractor out to your home. Other providers tend to have slower response times and are less communicative about when technicians are assigned to your claim.

Policy On Pre-Existing Issues or Older Units?

Choice covers appliances regardless of age or existing wear and tear, so you don’t need to worry about signing up and not getting covered due to age assuming you’ve properly maintained the item over it’s life. 

What’s not covered is if you or someone else breaks the unit regardless of when it happens. All home warranties, regardless of company, won’t cover a unit you break through negligence or misuse (i.e., baby sticks chocolate bar into VCR).

Pros

  • Good Limits (up to $1,500)
  • Minimal Exclusions
  • More Affordable 

Cons

  • Only 15 Home Appliances & Systems Covered 
 

American Home Shield Review (Editor's Choice)

  • Service Fee: $75 – $125
  • Coverage: 10/10
  • Limits: 10/10
  • Exclusions: 9.5/10
  • Affordability: 7/10
  • Customer Service: 9/10
  • Rating: 97.00

Visit Website

(866) 464-7521

american home shield home warranty

Why Do We Like American Home Shield?

Far and away the most thorough and transparent home warranty company we reviewed is American Home Shield. They are the gold standard. If you spend any amount of time on their website, it’s clear that they are very upfront about what they do cover and don’t cover when compared to their competitors.

In fact, they go out of their way to tell you they cover things their competitors don’t like rust or plumbing stoppages.

They also have the best home warranty coverage with an astounding 21 systems and major appliances including trash compactor, smoke detectors, and clothes washer. They also have the fewest number of exclusions with the highest dollar limit payout amounts ranging from $1,000 - $3,000 per claim.

Think of American Home Shield as the “BMW” or “Mercedes” of home warranty companies. More expensive than Choice, but with better coverage and limits.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice, American Home Shield covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Highest Payout Limits (up to $3,000)
  • Widest Coverage (21 systems and appliances)
  • Fewest Exclusions

Cons

  • Most Expensive

 

Select Home Warranty Review (Most Affordable)

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 8/10
  • Exclusions: 8/10
  • Affordability: 10/10
  • Customer Service: 8/10
  • Rating: 95.80

Visit Website

(888) 370-3954
select home warranty

Why Do We Like Select Home Warranty?

Select Home Warranty made our list as a best budget friendly home warranty option. They have lower limits ranging from $500 - $2,000 per claim but also lower service fee costs and potentially reduced annual premiums as low $325 per year if you opt into multiple year contracts, far below other competitors.

If you opt for their “Platinum Care” they are on-par with other providers in terms of what they actually cover.

Overall, a great budget option for people who want a home warranty but can’t afford Choice or American Home Shield.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and American Home Shield, Select covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • Most Affordable Service Contracts 
  • Roof leaks Are Covered In Their Platinum Plan

Cons

  • Ultra Pushy Sales
  • 3 Days To Submit Claim
  • Weaker Network Of Contractors
 

Liberty Home Guard Review

  • Service Fee: $75
  • Coverage: 10/10
  • Limits: 9/10
  • Exclusions: 9/10
  • Affordability: 8/10
  • Customer Service: 9/10
  • Rating: 95.10

Visit Website

(866) 472-3812

liberty home guard

Why Do We Like Liberty Home Guard?

Liberty Home Guard is one of the newer home warranty companies on the market. With Liberty Home Guard, you will be exposed to all of the latest and greatest theories and concepts in the industry. This attention to technology will be seen immediately on their website and when dealing with the brand new customer portal. If you like a streamlined and electronic process for your home warranty policy, Liberty is a great choice. 

Liberty Home Guard has only been in the industry for a few years, yet they have grown a network of more than 10,000 certified contractors from around the country. These contractors have to go through a rigorous application to ensure that they are qualified to be making repairs in your home. 

Like some of the other home warranty companies on the market, Liberty Home Guard allows you to customize your plan with add ons and additional coverages. When it comes to pricing, Liberty Home Guard will be right in the same ballpark as most other manufacturers. There is some customization of your plan to be able to work within your budget, but a basic plan will start around $49.99 a month. 

We like that with Liberty Home Guard, you can use a contractor of your choice if you wish. The reservice fee will not be covered if you choose your contractor, but it is an excellent option if you have people that you trust to do your home repairs.

Policy On Pre-Existing Issues or Older Units?

If you are not moving into a brand new home, you will still get coverage from Liberty Home Guard. After your 30 day waiting period to begin coverage, all working appliances and systems will be covered from that point forward. If you have a broken microwave and you haven’t signed up for converge just yet, you will need to have that fixed before your coverage can start.

Pros

  • State of the art customer portal system
  • Rigorous testing for contractors
  • Ability to use your own contractors
  • Fair pricing
  • Good customer service for a newer company

Cons

  • Must report your issues within one day of noticing a problem
 

Service Plus Review

  • Service Fee: $75
  • Coverage: 8/10
  • Limits: 7/10
  • Exclusions: 7.5/10
  • Affordability: 8/10
  • Customer Service: 8/10
  • Rating: 95.20

Visit Website

(267) 824-4010

Why Do We Like Service Plus?

Service Plus Home Warranty made our list as a home warranty with above average protection on more robust systems like septic systems and roof coverage.

Their monthly cost comes out to around ~$45 per month for their basic “Gold” plan, which puts them on the more expensive side of the scale when compared to other top home warranties on our list with better coverage.

Most home warranties do not cover anything related to your roof but Service Plus does, which we found to be unique to their offering helping them crack our top list.

Policy On Pre-Existing Issues or Older Units?

Very similar to Choice and AHS, Service Plus covers old systems and appliances that break down due to wear and tear, but they do not cover pre-existing issues or negligence related to the misuse of your appliance or system!

Pros

  • You Can Choose Your Own Technicians
  • Roof Coverage

Cons

  • More Exclusions Than Most Competitors
  • The Worst BBB score
  • Low Payout Limits ($500)

Final words about home warranty companies in Oregon

Finding a home warranty in Oregon is not hard, even though the selection may be somewhat limited. However, the best home warranty companies on the market have been successfully serving Oregon customers for decades.

Many seasoned homeowners prefer to purchase a home warranty in Oregon as they know how much money it could save them over the years. It’s not easy to find the right home warranty plan, but we are here to help.

Reviewhomewarranties.com has prepared reviews for the best home warranty companies in Oregon that will help you make the right choice.

Looking for a home warranty in a nearby state? Check out our comprehensive reviews on states like Idaho, Washington and California. 

Nearby States

All states
Home warranty Idaho 38 companies available
Idaho Home Warranty
Home warranty Nevada 40 companies available
Nevada Home Warranty
Home warranty Washington 23 companies available
Washington Home Warranty

Frequently Asked Questions in Oregon

Below are just some of the frequently asked questions we receive about home warranties in Oregon.

Q.

Is an Oregon home warranty worth it?

A.
Yes. To protect your budget from surprise repairs or replacement of key systems and appliances in your home, a home warranty can be well worth it.

For less than the price of one repair or replacement, you can have well over a dozen crucial items in your home covered from breakdown due to everyday wear and tear. 
Q.

What are the best home warranty companies in Oregon?

A.
In our research of nearly 70 home warranty companies, there are several that rise to the top for Oregon homeowners. Here are our top five picks.

  1. Choice Home Warranty
  2. American Home Shield
  3. Select Home Warranty
  4. Liberty Home Guard
  5. Service Plus
Q.

What do home warranties cover?

A.
When your homeowner’s insurance does not cover a breakdown--when it is due to just everyday wear and tear and not some weather event--a home warranty is there to cover those appliances and systems that you need to keep working. 

1. Most Common Coverage


Appliances

  • Clothes Washer
  • Clothes Dryer
  • Refrigerator
  • Oven / Range / Stove
  • Cooktop
  • Dishwasher
  • Built-in Microwave

Systems

  • HVAC including ductwork
  • Plumbing system including stoppages
  • Electrical system
  • Water heater

2. What some cover

Some providers will also include coverage for things like doorbells, ceiling and exhaust fans, garbage disposals, and garage door openers. 

Providers may also offer optional add-on coverage for items like pools and spas, roof leaks, well and septic pumps, and additional refrigerators or freezers. 

3. What few cover

Some companies cover things you might not expect. For instance, Select Home Warranty offers coverage on roof leaks in all their plans, not just as an optional add-on. As an add-on, Liberty covers saltwater pools and offers pest control. 
Q.

How much does a home warranty cost?

A.
The cost of a home warranty has two components: the monthly premium and the service call fee. The service call fee is only charged when you contact the home warranty provider with a claim and they send a licensed contractor to take a look at the problem. 

Of the three most common policy types, the Appliance Plan, the Systems Plan, and the Combo Plan, the Combo Plan is the most popular and cost-effective. 

Combo Plan Premium
Monthly
Annually
Top 5 Average
$59
$708
Q.

How do I choose a good home warranty?

A.
There are three basic steps to choosing the right home warranty plan for your Oregon home.

  1. Dig into the data - Find out what companies are available in your state. What are customers saying about them? What appliances and systems are included in their plans? The information is out there for you to find and get an understanding of what’s available.
  2. Comparison shop - Don’t just go with the first company you find. Get quotes from several home warranty providers for the coverage you want to see who’s pricing and plans best fit your needs and budget.
  3. Due diligence - Read the service agreement carefully before you sign. Understand the coverage and the exclusions and limitations.