Oregon has some of the most beautiful coastlines in the entire country. In addition, there are large cities, quaint towns, and some relatively mild weather throughout the year. Oregon homeowners will benefit from all that the state has to offer. However, homeownership still comes with its fair share of headaches and stressors. Having a home warranty in place can help.
In this guide, we will cover . . .
- What is a home warranty?
- Why should you have home protection on your home?
- What should you look for when purchasing a home warranty?
- The 6 best home Oregon home warranty companies in 2021
- And much more!
With the long rainy season and some damp weather in the air, an HVAC system and a heating system can be a smart idea for homeowners. However, when these systems break down, the expenses can be difficult to recover from. A home warranty can help provide peace of mind and ensure that your savings account is protected.
If you are looking for the best home warranty companies in Oregon, keep reading as we give you the top six Oregon home warranties to choose from.
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.
Top 6 Best Home Warranty Companies in Oregon:
- Choice Home Warranty (Best Overall)
- American Home Shield (Most Customizable)
- Select Home Warranty (Most Affordable)
- Liberty Home Guard (Best Reviewed)
- First Premier Home Warranty (Best Coverage)
- Cinch Home Services (Best Workmanship)
Oregon Home Warranty Companies Reviews
As an Oregon homeowner, you may be surprised to see how many home warranty companies there are to choose from. We have reviewed and analyzed over 68 home warranty companies to narrow them down to the top six in Oregon. We considered factors such as BBB ratings, cancellation fees, service fees, overall pricing, plan options, and more. Here are the top 6 home warranty companies in Oregon.
1. Best Overall: Choice Home Warranty
Choice Home Warranty is the best overall home warranty policy in the state of Oregon. The Choice Home Warranty policy has been on the market for 13 years, and it offers homeowners simplicity and peace of mind. Many home warranty companies will add fine print and confusing terminology to their service contract; with Choice Home Warranty, this is not a concern. The customer service, workmanship, and speed of service are all highly rated with Choice Home Warranty.
- Comprehensive plan options
- Simple contract design
- Fair monthly pricing
- Reasonable service fees
- More than 13 years in the home warranty industry
- No custom home warranty plans for customers to build
Plans and Pricing
There are only two Choice Home Warranty plans for Oregon homeowners to choose from. Luckily both of these plans cover both systems and appliances. For Oregon homeowners with appliances and heating systems, electrical systems, and plumbing systems, this is a great benefit. The Total Plan tends to be the most popular choice for Oregon homeowners.
- Basic Plan: $42 per month
- Total Plan: $50 per month
- Service Fee: $85 per month
The Choice Home Warranty has very high coverage caps and broad coverage options. If you have higher-end appliances in your Oregon home, you will have up to $2500 on repairs covered. This is higher than many other plans on the market. Some of the most popular Choice Home Warranty coverages include . . .
- Plumbing system
- Washing Machine
- Electrical System
- HVAC system
What Customers Are Saying:
“Choice Home Warranty is an excellent company. They are exceptionally good about getting a service tech to your house as soon as possible. I have recommended this company to several friends. CHW is worth every penny that we have invested. They have saved us hundreds of dollars, and the technicians that they provided were extremely professional. Thanks, CHW!!” Source
2. Most Customizable: American Home Shield
American Home Shield is the most customizable plan for Oregon homeowners. No two Oregon homes will be exactly alike. This can make choosing a home warranty plan to match your home quite tricky. With American Home Shield, you can build out a custom plan that specifically meets your needs. The American Home Shield company has been on the market for more than 50 years, making it one of the true leaders in the industry. There is no debating the fact that American Home Shield is the most premium home warranty company in the industry.
- More than 50 years of industry experience
- Can build out your custom plan with add on options
- Customizable monthly and service fee pricing
- Great pool and spa coverage, in addition to other optional coverages
- Considered to be a more premium or expensive policy
Plans & Pricing
Oregon homeowners have three American Home Shield plans to choose from. The Platinum Plan is one of the more expensive yet comprehensive plan choices on the market. The service fees from American Home Shield are also customizable and will change based on the pricing plan you choose for your monthly payments.
- Silver Plan: $45 per month
- Gold Plan: $55 per month
- Platinum Plan: $79 per month
- Service Fee: Service fee can range from $75 to $125 and will impact monthly pricing
Coverage for the American Home Shield policies is broad, and the coverage caps and limits are quite high. If you have an Oregon home that you just renovated with high-end systems and appliances, the AHS home warranty is a good option to consider. Some of the coverage included in the Platinum Plan includes. . .
- Heating system
- Garbage DIsposal
What Customers Are Saying
“We had our ice maker replaced and fan . They ordered parts that took forever to get in, and I called when they came in was put on the schedule immediately. The repairman Kevin was great; he went over and beyond.” Source
3. Most Affordable: Select Home Warranty
Select Home Warranty is the most affordable home warranty in the state of Oregon. It is essential to consider pricing when choosing a home warranty plan as the plan needs to justify the costs paid. The Select Home Warranty has been an option for Oregon homeowners for almost ten years. Each project sold by Select comes with free roof leak coverage. In a state like Oregon, where there is quite a bit of rain, the free roof leak coverage will be a tremendous benefit.
- Impressive customer service
- Free roof leak coverage with all plans
- Quality workmanship on all repairs
- Good experience in the industry
- Some of the covered items have lower policy limits
- It won’t protect some high-end appliances or systems
Plans and Pricing
The Select Home Warranty plans are very standard for a home warranty company. You will have the choice between a systems plan, appliance plan, or combo plan. The combo plan is the best deal as it is just a few dollars more per month and essentially offers double the coverage. Most Oregon residents choose the Platinum Care plan from Choice Home Warranty.
- Gold Care: $41 per month
- Bronze Care: $41 per month
- Platinum Care: $47 per month
- Service Fee: $65
Although the free roof leak coverage is a tremendous benefit, the overall depth of coverages from Select Home Warranty is not as impressive as Choice or AHS. However, when considering the pricing, you can see why this may be. For peace of mind and overall protection against very high repair expenses, the Select Home Warranty plan has good coverage. Some of the most popular coverages for Oregon residents include . . .
- Heating systems
- Plumbing system
- Electrical systems
What Customers Are Saying
“Been with Select for a couple of years now. I called in and spoke to Isaac M, who was great to work with. He explained everything well and shared all available specials with me. I would definitely recommend Select Home Warranty and Isaac to everyone. Great value and great customer service experience from Isaac.” Source
4. Best Reviewed: Liberty Home Guard
The Liberty Home Guard plan is an excellent choice for those looking for a highly rated home warranty company in Oregon. Reviews are a great way to see what real customers are saying about the company. Liberty Home Guard has only been on the home warranty market for two years, and they already have a BBB rating of an A. This is a tough milestone to achieve, and it can only be done with exceptional customer service and attention to detail. If you want a company that is easy to get a hold of and cares about the needs of your home, LHG is an excellent choice.
- BBB rating of an A
- Very professional employees and technicians
- 60 Day workmanship guarantee
- Add on coverage list is extensive
- Optional plan choices tend to be priced a bit higher than other companies
- Slightly limited coverage without the add ons
Plans and Pricing
There are three Liberty Home Guard policies to choose from. These plans are very similar to the Select Home Warranty plans with having an appliance, systems, and comprehensive options to choose from. The Total Home Guard is the most popular plan as it is just a few dollars more but offers the broadest coverage.
- Appliance Guard: $40 per month
- Systems Guard: $45 per month
- Total Home Guard $49.99 per month
- Service Fee: $60
One of the things to keep in mind about Liberty Home Guard is how extensive you can make this policy if you choose. The list of add-on coverages is larger than any other company on the market. If you genuinely want a hands-off approach to home repair and replacement, LIberty Home Guard can help. Some of the most popular coverage options from Liberty Home Guard include . . .
- Garbage disposal
- Plumbing System
What Customers Are Saying:
“I placed a claim on my dryer which wasn’t working, and the very next morning, Liberty sent me a repairman, who fixed it right away. Definitely 5 stars! Fabulous work, LHG!” Source
5. Best Coverage: First Premier Home Warranty
First Premier Home Warranty is the best home warranty for Oregon residents that need extensive coverage of their home. Some home warranty policies will offer high-end coverage for a few items, whereas First Premier provides a small coverage for a wide range of systems and appliances. The First Premier Home Warranty is new to the market, but it already has a BBB rating.
- BBB rating of A- in less than a year
- Modern technology and systems in place
- Wide range of coverage options
- Low overall costs if you pay upfront
- A short period on the market
- Coverage limits are relatively low
Plans & Pricing
First, Premier likes to keep things simple and offers two comprehensive home warranty policies to choose from. Each of the policies will allow you both system and appliance coverage. The Premier Plan is one of the better values for a home warranty in the Oregon market.
- Premier Plan: $43 per month
- Platinum Plan: $50 per month
- Service Fee: $75
The First Premier Home Warranty offers coverage for a wide range of systems and appliances. You may find that you have more coverage with this plan than any other on the market. The only thing to keep in mind is that the coverage may not have very high limits for some systems and appliances. If you have higher-end systems in your home, this may not be the best plan. Some of the most popular coverages in the Platinum Plan from First Premier are . . .
- Water heater
- Plumbing system
“I wanted to put this review after my first service request, 5 stars for First Premier they went above and beyond to service my dishwasher even when the servicer said that it could be repaired. First premier went the replacement route because they didn't want an issue to happen in the future.” Source
6. Best Workmanship: Cinch Home Services
The Cinch Home Services warranty offers the best workmanship in any of the Oregon home warranty policies. The 180-day workmanship guarantee means that you will have 180 days from the time you have a system or appliance repaired to request another repair free of cost. This helps to ensure that Cinch Home Services only hires the most reputable and knowledgeable repair technicians for their projects. Cinch Home Services has been on the market for close to 40 years, and they certainly know what they are doing when it comes to home warranties.
- More than 40 years experience in Oregon
- A very long 180-day workmanship guarantee
- Three moderately priced plans
- Higher service fees
- Some negative customer reviews with certain contractors
Plans and Pricing
The three Cinch Home Services plans to offer Oregon homeowners comprehensive coverage of their homes. The pricing for the monthly plans is quite fair, but the service fee pricing tends to run a bit high for the Cinch Home SErvices plans.
- Appliances plan $44.99 per month
- Built-In Systems Plan: $51.99 per month
- Complete Home Plan: $61.99 per month
- Service Fee: $100-$150
With more than 40 years in the industry, Cinch Home Service is a leader in helping provide peace of mind for Oregon homeowners. The coverage choices included in each of the Cinch Home Services plans are pretty extensive. In addition, there are add-on options that you can attach to any plan. Some of the most popular Cinch Home Services coverages include . . .
- Septic tank
- Sump Pump
- Plumbing System
What Customers Are Saying
“Excellent customer service experience with getting all the details about the plan and the upfront cost and deductibles.” Source
Compare Oregon Home Warranty Providers
|Provider||Visit Site||Best For||Monthly Cost||Service Fee||BBB Rating|
|Choice Home Warranty||Site||Best Overall||$40 - $48||$85||B-|
|American Home Shield||Site||Most Customizable||$50 - $60||$75 - $150||B|
|Select Home Warranty||Site||Most Affordable||$36 - $38||$60||B|
|Liberty Home Guard||Site||Best Reviewed||$40 - $60||$60||A|
|Cinch Home Services||Site||Best Workmanship||$28 - $40||$100 - $150||A-|
|First Premier Home Warranty||Site||Best Coverage||$45||$75||B-|
Home Warranty Coverage in Oregon Cities
What You Should Consider Before Buying A Home Warranty in Oregon
Now that you have a list of the top six home warranty plans in Oregon, it’s time to break this down to help you choose the best option for your home. Each of these six options is known for being reputable and offering fair value. However, there are other things to consider when choosing a home warranty. Three of the most important are overall pricing, BBB ratings, and cancellation fees.
The overall pricing of your home warranty plan will include the monthly numbers and the service fee. Most home warranty policies in Oregon will be in the $50 a month range. If you want something that covers just appliances or systems, the pricing will be considerably less.
BBB ratings will tell you how a company is doing, especially from the viewpoint of the customer. Reading reviews from the BBB will help you understand where a company will excel and its weaknesses. Remember that sometimes older companies have negative reviews as this is just a part of doing business; look to see how a company responds to negative complaints.
Almost all home warranty policies have cancelation fees. Many warranty plans allow you to cancel for free within the first 30 days of the plan. This is a great benefit and one that you should take advantage of before pulling the trigger on a new plan. Ensure that you understand how to get out of your contract should you decide the plan is not for you.
Home Warranty Tips for Oregon Residents
Although Oregon has some mild weather throughout a good portion of the year, there are times when temperatures can also get quite extreme. Although areas like Bend and Eugene may have very mild winters, the further North you go, you can expect to be a bit cold.
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 their 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 vital 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 American Home Shield. 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 an area where the snowstorms are a usual part of winter, protecting your electrical system under a home warranty will make sense. Cinch Home Services provides coverage for all parts and components of the electrical system in your house up to $500 per contract term.
Another thing to keep in mind is the Oregon rainy season. Whether you are in Salem, Astoria, or Cannon Beach, you can expect that there will be quite a bit of rain throughout certain times of the year. It can pay to have a home warranty plan that has roof coverage. Select Home Warranty is a smart option because of its free roof leak coverage.
Although Oregon is a great state to live in, taking certain precautions to protect your home can help you save a lot of money in the long run.
Home Warranty Regulations in Oregon
It is always important to ensure that the home warranty company you invest in has the best intentions and is in good standing. Each state has different regulations regarding home warranty plans. In Oregon, the Oregon Construction Contractors Board is going to oversee all home warranty policies. If you are unsure if your plan is in good standing, you can give them a call to get more details.
Overall investing in a home warranty plan is a smart idea. You never know when the next appliance or system in your Oregon home is going to need your attention and your spending. The Choice Home Warranty offers a perfect combination of fair pricing, time spent in the industry, and comprehensive policy choices to choose from. This is a plan that you will likely have in place for years to come. With various plan choices and pricing, it is smart to get a few quotes for a home warranty plan.
Review Home Warranties Rating Methodology: How We Chose the Best Home Warranty Companies
At Review Home Warranties, we are committed to providing our readers with comprehensive and unbiased information on each provider that we review. Our methodology is a step-by-step process that ensures we maintain your trust through transparency and data that is backed-up through routine check-ins. When we picked our best home warranty companies, we reviewed and analyzed over 50 different companies. We then narrowed down our findings based on criteria that we find to be the most helpful for a homeowner in choosing a home warranty plan. Here is what our review process looks like:
- We call every home warranty provider, talking to sales agents and company representatives to gather accurate information on:
- Fine Print
- Plan Options
- Service Contract Details
- Customer Service
- Ratings and Reviews
- Add-On Options
- Additional Benefits
- We test the customer service, including factors such as wait times, friendliness, and problem-solving ability.
- We analyze the sample contracts and fine print from each brand we review. This allows us to break down the industry jargon, check for hidden stipulations, and see what is and isn’t covered so we can give readers straightforward information.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home warranty companies against each other.
From here we created a comprehensive, 100 point, rating scale based on the following factors:
- Plan options (25): Providers that offer more flexibility in their plans are rated higher.
- Coverage specifics (5): The more items covered in a home warranty plan, the higher the score.
- Pricing (25): We take the monthly fee and service fee into consideration when rating pricing.
- Trustworthiness (25): We comb through hundreds of reviews and check on BBB ratings to determine the trustworthiness of a company.
- State availability (5): Finding coverage in your state can be a challenge if home warranty companies aren’t located there. The more states covered, the higher the score.
- Customer service (10): Is this home warranty company responsive? Do they respond quickly to claims filed? Are they helpful in answering questions? All of these factors are considered when rating customer service.
- Additional benefits (5): Home warranty companies will typically offer special promotions or benefits for signing up for their services. The companies with the most benefit scored higher.
Of the 50 different companies that we’ve reviewed, we've broken down the seven best providers for home warranty coverage. To keep our ratings and data current, we have a full-time researcher who collects (and regularly updates) more than 100 specific data points from each company to help us compare them on key factors such as coverage, cost, service, and dependability. This list is ever-changing, as companies will update policies and procedures, and we will change our information accordingly.