Oregon’s  beautiful coastline offers some of the top-rated beaches in entire country such as Cannon Beach, Seaside and Manzanita. The Beaver State also has Portland, which offers a large yet walkable city with plenty of outdoor activities. Oregon’s mix of quaint towns, scenic cities, and some relatively mild weather throughout the year makes it an ideal place for homeownership. However, As the fifth most expensive state to live in, homeownership in OR still comes with its fair share of headaches and stressors. Having one of the best home warranties in Oregon in place to help cover the maintenance costs on home systems and appliances can offer you some peace of mind.

In this guide, we will cover . . .

  • What is a home warranty in OR?
  • 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 2022
  • And much more!
Editor's Choice
98.0

Limited Time: New Customers Get $50 Off
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Best Overall
98.5

Limited Offer: $50 Off + 1 month free
Claim Offer
Most Affordable
97.6

Limited Time: $150 Off + 2 Free Months + roof coverage
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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.

Best Home Warranty Companies in Oregon

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.5
  • $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 98.0
  • 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 97.6
  • $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 96.5
  • $200 off + 1 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 First Premier Home Warranty
Editorial Rating 95.3
  • Lower chance of claim denial
  • Multiple optional coverage items
  • 24/7 service calls
  • Online chat not supported
  • Lower cap on item replacement
  # 6 Cinch Home Services
Editorial Rating 95.7
  • 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

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 7 Best Home Warranty Companies in Oregon

Compare Oregon Home Warranty Providers

ProviderVisit SiteBest ForMonthly CostService FeeBBB Rating
Choice Home WarrantySiteBest Overall$40 - $48$85B-
American Home ShieldSiteMost Customizable$50 - $60$75 - $150B
Select Home WarrantySiteMost Affordable$36 - $38$60B
The Home Service ClubSiteQuickest Coverage$50-$63$60N/A
Liberty Home GuardSiteBest Reviewed$40 - $60$60A
Cinch Home ServicesSiteBest Workmanship$28 - $40$100 - $150A-
First Premier Home WarrantySiteBest Coverage$45$75B-

Oregon Home Warranty Costs 

The cost of a home warranty plan will help you determine whether or not it makes sense for you to invest in a company. As great as the coverage can be, and the quality of the plan, one of the essential features that need to be considered is the cost. There are lots of things to consider when it comes to home warranty costs. Homeowners must pay attention to the services fees, plan choices, coverage options, coverage caps, and more. At Review Home Warranties, we took our time to do some in-depth research on all of the plans offered in the state of Oregon. As an Oregon homeowner, you will now have a better understanding of the average cost for a home warranty. Our comprehensive research includes information about all types of homes. 

Type

Average Annual Premium

Overall

$709.08

Single Family Home

$561.83

Multi-Family

$1,050.77

Townhome

$484.07

Condo

$567.56

Home Over 5,000 sq. ft.

$1,203.33

Home Under 5,000 sq. ft.

$652.74

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. Choice Home Warranty 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. Choice has made its claims process seamless and contracts easily digestible for the everyday homeowner, so that they can get their home protected with ease. The customer support teams, workmanship, and speed of service of Choice Home Warranty are all highly rated. 

Pros

Cons

Comprehensive plan options

No custom home warranty plans for customers to build

Simple contract design 

 

Fair monthly pricing

 

Reasonable service fees

 

More than 13 years in the home warranty industry

 

Plans, Pricing and Coverage

There are only two Choice Home Warranty plans for Oregon homeowners to choose from. Luckily both of these plans cover both systems and appliances. The Basic Plan offers coverage on 13 items, but since it's a basic plan it leaves out some essential systems and appliances. However, it only costs $45 per month. For Oregon homeowners that want coverage on A/C, heating systems, washer, dryer and refrigerator, the Total Plan will be the best option. The Total Plan tends to be the most popular choice for Oregon homeowners as it costs less than $9 more than the Basic Plan. Choice Home Warranty's service fee is $85 per visit.

Here are Choice Home Warranty’s plan options:

  • Basic Plan ($42 per month): The Basic Plan includes coverage on 14 home systems and appliances such as plumbing system, toilet, ceiling fans, cooktop exhaust fans, dishwasher, electrical system, ductwork, garbage disposal, garage door opener, heating system, oven, microwave, and water heater. 
  • Total Plan ($53.33 per month): The Total Plan is the optimal home warranty plan for Oregon residents. This plan includes all of the major appliances and systems included in the Basic plan plus air conditioning, refrigerator, washer, and dryer, for a total of 17 covered items. 
  • Optional add-ons: Choice offers nine additional coverages including rook leak, central vacuum, septic tank, septic system, sump pump, well pump, pool, spa, and stand-alone freezer. 

Plan

Cost Per Month

Service Fee

Basic Plan

$45

$85

Total Plan

$53.33

$85

What Customers Are Saying: 

"Choice Home Warranty is a quick & user friendly system when it comes to placing a claim. Didn’t even have to call, just used the website & placed all my claims without any problems. Sure is self explanatory, recommend CHW to anyone needing great company for all your home needs." - Miriam B.

For more information, read out Choice Home Warranty Review.

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, and this can make choosing a home warranty plan to match your home's needs quite tricky. With American Home Shield, you can build out a custom plan that specifically meets your needs. American Home Shield has been on the market for more than 50 years, making it one of the true leaders in the home warranty industry. With personalized plans and pricing, excellent customer service, and extensive industry knowledge, there is no debating the fact that American Home Shield is the most premium home warranty company in the industry. 

Pros

Cons

More than 50 years of industry experience

Considered to be a more premium or expensive policy

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

 

Plans, Pricing and Coverage

Oregon homeowners have three American Home Shield plans to choose from: ShieldSilver, ShieldGold, and ShieldPlatinum. ShieldSilver is a systems-only plan and ShieldGold offers basic systems and appliances coverage. ShieldPlatinum is one of the more expensive yet comprehensive plan choices on the market. It covers 27 systems and appliances and can go for as low as $59.27 per month. The service fees from American Home Shield are also customizable and will change based on the pricing plan you choose for your monthly payments. The service call fee options are $75, $100 and $125. 

Here are AHS's plan options (note: these prices are based on the $100 service fee):

  • ShieldSilver ($45 per month): ShieldSilver offers basic systems coverage for your home. The plan covers six total systems including air conditioning, electrical system, doorbells, garage door opener, water heater, and ductwork. This is an excellent choice if you're looking for systems-only coverage. 
  • ShieldGold ($55 per month): ShieldGold is a medium-level coverage comprehensive option. This plan covers a total of 23 systems and appliances. It covers all of the items in ShieldSilver plus dishwasher, dryer, microwave, oven, washer and refrigerator. 
  • ShieldPlatinum ($79 per month): ShieldPlatinum is the most popular option among TN homeowners. For full comprehensive coverage, this is the best choice. It covers a total of 27 items, including all of the items in both of the lower tiered plans. AHS also offers high coverage caps on these items up to $6,000.
  • Optional add-ons: AHS offers several add-ons, including pool and spa, electronics, septic systems, and well pumps. 

Plans

Cost Per Month

Service Fee

ShieldSilver

$45

$75 - $125

ShieldGold

$55

$75 - $125

ShieldPlatinum

$79

$75 - $125

What Customers Are Saying

“We had a dryer break down. I called American Home Shield, no problem talking with a rep. And they contacted a service company. The company showed up the companies diagnosed the problem, within a couple of days, the part came in. We were back in business. No hassle, no problems. Very happy with American Home Shield!” – Michael G.

Read our American Home Shield Review to learn more.

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 coverage needs to justify the costs paid. All of Selects plans come under $63 per month and have a service fee much below the industry average. Select Home Warranty has been an option for Oregon homeowners for almost ten years, and since has created policy options with a great balance between price and coverage. Each policy sold by Select also 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. 

Pros 

Cons

Impressive customer service

Some of the covered items have lower policy limits

Free roof leak coverage with all plans 

It won’t protect some high-end appliances or systems

Quality workmanship on all repairs 

 

Good experience in the industry 

 

Plans, Pricing and Coverage

Select Home Warranty's plans are very standard for a home warranty company. You will have the choice between the systems plan called Gold Care, the appliance plan called Bronze Care, or combo plan, which is the Platinum Care Plan. Bronze Care and Gold Care come at the same price of $57.67 per month. The Platinum Care 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 as it has optimal coverage. Select's industry-low service fee is just $60 per visit.

Take a detailed look at Select Home Warranty’s plans:

  • Bronze Care Plan ($61 per month): The Bronze Care Plan offers appliance-only coverage on seven major appliances. The covered items are garbage disposal, dishwasher, clothes dryer, microwave, oven, refrigerator, and clothes washer. This is a great starter plan option.
  • Gold Care Plan ($61 per month): The Gold Care Plan is a systems-only plan and covers six items. It costs the same as the Bronze Care plan because systems are considerably more expensive to fix than appliances. The covered systems are air conditioner, ductwork, electrical, heating, plumbing systems, and water heater. 
  • Platinum Care Plan ($66 per month): The Platinum Care Plan the most comprehensive coverage to Oregon homeowners. For only $5 more per month, you will get double the coverage. This plan includes all of the items in Bronze Care and Gold Care, plus three more: ceiling fans, garage door openers, and plumbing stoppages.
  • Optional add-ons: Select has a few add-on options: pool, spa, septic system, stand-alone freezer, central vacuum, lawn sprinklers, well pump, and sump pump. Free roof leak coverage also comes with all of Select's plans.

Plans

Cost Per Month

Service Fee

Gold Care

$60.42

$60

Bronze Care

$60.42

$60

Platinum Care

$65.83

$60

What Customers Are Saying

“Service was prompt and professional.. Knew what they were doing and solved the issue. Repairman was very pleasant." – Mary J.

Read our Select Home Warranty Review to learn more information.

4. Quickest Coverage: The Home Service Club

The Home Service Club offers the quickest coverage to Oregon homeowners. With The Home Service Club, you will only have to wait 10 days for your policy to begin after signing your contract. Most other home warranty providers in Oregon require a 30-day waiting period because your home warranty can take effect. To add to the speed, HSC also does not require you to have a home inspection prior to the start of the policy. In addition to offering quick coverage, The Home Service Club has two comprehensive plan options. With nearly 13 years in the home warranty industry, HSC is a seasoned provider with top-tier customer service, comprehensive coverage options, and great pricing. 

Pros

Cons

No inspection is needed before policy takes effect

Higher service fee options

The plan starts after 10 days 

Not BBB accredited

Extensive coverage options even in the basic plan 

Pricing, Coverage and Plans

The Home Service Club offers two plan options: the Standard Coverage Plan and the Comprehensive Coverage Plan. Standard Coverage includes 18 systems and appliances and only costs $50 per month. This is a great basic plan offered by HSC. Comprehensive Coverage covers all of the items in the first plan plus nine more to cover a total of 27 appliances and systems. HSC has an extremely affordable service fee of only $60 per visit. 

Here are The Home Service Club's plans:

  • Standard Coverage ($50 per month): The Standard Coverage Plan covers 14 home appliances and systems including refrigerator, air conditioners, electrical system, ceiling fans, water leaks, water heater, central vacuum, dishwasher, trash compactor, oven, and more. 
  • Comprehensive Coverage ($63.00 per month): The Comprehensive Coverage Plan features coverage on all of the items included in the Standard Coverage Plan plus nine more. The added nine are gas leaks, ductwork, sump pump, pest control, doorbells, plumbing stoppages, attic fans, whole house exhaust, and more. There are many unique coverages included in this plan, like pest control, that will come in handy. 
  • Optional add-ons: The Home Service Club offers coverage on 12 items well pump, several outside service lines, plumbing, lawn sprinkler, spa and spa heater, freestanding freezer, water softener, and more.  

Plan

Cost Per Month

Service Fee

Standard Coverage

$50

$65-$125

Comprehensive Coverage

$63

$65-$125

What customers are saying

"My microwave oven's cavity lamp was ruined. I wouldn't turn on and I have no idea why. I called Home Service Club and they booked an appointment with a specialist for me. The agent that I spoke to sounded friendly on the phone. That's definitely an advantage in my book!" – Jaitara R.

Read our HSC review to learn more.

5. Best Reviewed: Liberty Home Guard 

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. Many of Liberty's current customers love how professional Liberty's customer service teams and the selection of plans available. Liberty Home Guard has only been on the home warranty market for two years, and it already has a BBB rating of an A. This is a tough milestone to achieve, and it can only be done with exceptional customer support 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. 

Pros

Cons

BBB rating of an A

Optional plan choices tend to be priced a bit higher than other companies

Very professional employees and technicians 

Slightly limited coverage without the add ons 

60 Day workmanship guarantee 

 

Add on coverage list is extensive

 

Plans, Pricing and Coverage

There are three Liberty Home Guard policies to choose from: Systems Guard, Appliance Guard, and Total Home Guard. These plans are very similar to the Select Home Warranty plans with having an appliance, systems, and comprehensive options to choose from. Appliance Guard and Systems Guard cover what they sound like they do, and cost $69.99 and $74.99 respectively. Total Home Guard is the most popular plan as it is just a few dollars more but offers the broadest coverage. Liberty has a lower service fee of $75 to make up for the higher monthly premium cost.

Take a look at Liberty Home Guard’s policies:

  • Appliance Guard ($69.99 per month): Appliance Guard is a great appliance-only policy with coverage on 11 appliances. These coverages include clothes dryer, clothes washer, refrigerator, ceiling fans, cooktop exhaust fan, oven, dishwasher, microwave, garbage disposal, garage door opener, and refrigerator ice-maker. 
  • Systems Guard ($74.99 per month): Systems Guard is a systems-only policy, covering a total of nine major home systems. The covered systems are bath exhaust fan, heating system, toilet,  air conditioner, electrical system, ductwork, water heater, plumbing, and plumbing stoppages. 
  • Total Home Guard ($79.99 per month): Total Home Guard is the best home warranty plan for OR homeowners because it offered coverage on all 20 of the items included in both Systems Guard and Appliance Guard for only $5 more. This plan will ensure you have all the coverage you need on your OR home.
  • Optional add-ons: Liberty Home Guard has a very extensive list of 20+ add-ons. This is more add-ons than most other home warranty companies, and they range from around $4.15 to $25 more per month. Some of the more unique options are re-key service, pest control, gutter cleaning, floor cleaning, lawn sprinklers, and wine refrigerators. 

Plans

Cost Per Month

Service Fee

Systems Guard

$69.99

$75

Appliance Guard

$74.99

$75

Total Home Guard

$79.99

$75

What Customers Are Saying

"I HAVE NOT RECEIVED THE DOCUMENTATION YET SO CAN NOT SAY ANYTHING ON THE ACTUAL POLICY. I DID HOWEVER HAVE A VERY EASY TIME PURCHASING AND LIKED THE THREE OPTIONS THEY OFFERED." - The Stevens

Learn more information with our Liberty Home Guard Review.

6. Best Coverage: First Premier Home Warranty 

First Premier Home Warranty is the best home warranty for Oregon residents that need extensive coverage for their home. Some home warranty policies will offer high coverage caps for a few items, whereas First Premier provides a smaller amount of coverage for a wide range of systems and appliances. Both plans offered by First Premier are comprehensive policies, but come at an affordable price point. First Premier Home Warranty is new to the market, but it already has an A- rating with BBB, which is impressive for a company in its infancy.

Pros

Cons

BBB rating of A- in less than a year 

A short period on the market

Modern technology and systems in place 

Coverage limits are relatively low

Wide range of coverage options

 

Low overall costs if you pay upfront 

 

Plans, Pricing and Coverage

First Premier likes to keep things simple and offers two comprehensive home warranty policies to choose from. Each of the policies will allow you to have both system and appliance coverage. The Premier Plan covers 14 items and comes at a low cost or $35 per month if you pay the annual cost rather than monthly payments. The Platinum Plan is the better option as it covers five more items and only costs $8 more. Whichever plan you go with, you will have excellent combo coverage at a low cost. First Premier's service fee is also pretty low at $75 per month. 

Take a closer look at First Premier's plans:

  • Premier Gold Plan ($43 per month): The Premier plan covers 14 systems and appliances including ceiling fans, oven, cooktop exhaust, dishwasher, trash compactor, garbage disposal, ductwork, electrical system, garage door opener, microwave, plumbing system, stoppages, sump pump, and water heater. This is a perfect starter plan option for OR homeowners new to home warranties.
  • Premier Platinum Plan ($50 per month): The Premier Platinum Plan covers a total of 19 appliances and systems; it covers the 15 included in the Premier Plan plus air conditioning, heating system, washer, dryer, and refrigerator. For the monthly cost, this place is a top choice for Oregon residents.
  • Optional add-ons: First Premier offers add-on coverage on lawn sprinkler, central vacuum, free-standing ice maker, roof leaks, well pump, stand-alone freezer, septic tank pumping, water softener, refrigerator ice maker, septic, spa, and pool coverage. 

Plans

Cost Per Month

Service Fee

Gold Plan

$43

$75

Platinum Plan

$50

$75

What Customers Are Saying

“Professional, Courteous and Prompt. I have had to call FPHW for service and they were very courteous and professional. They promptly sent someone out to address my issues and I couldn’t be happier! I have recommended this company to all my friends and family! I am very happy with their service." - Andrew S.

Read our First Premier Review for more information.

7. Best Workmanship: Cinch Home Services 

Cinch Home Services offers the best workmanship out of all 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. Most other home warranty companies in Oregon only offer 30 to 60 day workmanship guarantees. 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 protection.

Pros

Cons

More than 40 years experience in Oregon

Higher service fees 

A very long 180-day workmanship guarantee

Some negative customer reviews with certain contractors 

A very long 180-day workmanship guarantee

 

Plans, Pricing and Coverage

The three Cinch Home Services plans are the Appliances Plan, the Built-In Systems Plan, and the Complete Home Plan. The Appliances plan is a great starter-plan because it only covers home appliances and can be as low as $34.99 per month. The Built-In Systems plan offers extensive system coverage on 21 items. However, the Complete Home Plan is the best home warranty option because it covers 32 systems and appliances and can be as low as $49.99 per month with the $150 service fee. The service fee pricing tends to run a bit high for the Cinch Home Services plans at $75, $100 or $150 per service call.

Here are Cinch's home warranty policies (note: these prices are based on a $100 service fee):

  • Appliances Plan ($44.99 per month): The Appliances plan covers 11 appliances including microwave, cooktop exhaust fan, trash compactor, clothes dryer, food center, refrigerator, free-standing ice maker, oven, refrigerator ice-maker, dishwasher, and clothes washer. 
  • Built-In Systems Plan ($51.99 per month): The Built-in Systems plan is an excellent system policy option. It covered 20 total systems including heating system, toilet, air conditioner, water dispenser, plumbing, smoke alarms, sump pump, bath exhaust fans, garage door opener, spa, septic tank pumping, cooktop fans, ductwork, garbage disposal, doorbells, electrical system, water heater, plumbing stoppages, central vacuum, attic fans, and whole house fan. 
  • Complete Home Plan ($61.99 per month): The Complete Home Plan is the best home warranty in Oregon. This plan has very broad coverage on 32 appliances and systems. It combines the two other plans to offer more coverage under one plan than nearly any other home warranty provider. It also includes  a $500 homeowners insurance reimbursement and one free HVAC filter each policy term.
  • Optional add-ons: Cinch Home Services' has limited additional coverages because of how extensive the Complete Home Plan is. Cinch does offer the Premier Upgrade Package which is a $1000 credit for unexpected costs that may occur during a claim.

Plans

Cost Per Month

Service Fee

Appliances Plan

$44.99

$100 - $150

Built-In Systems Plan

$51.99

$100 - $150

Complete Home Plan

$61.99

$100 - $150

What Customers Are Saying

“Very nice pleasant interaction with the customer service representative , she was very friendly , understanding of my needs and very well informed about the company and the details about the warranty they provide and different pricing and deductibles available." – Lydia S.

Learn more from out Cinch Home Services Review.

Home Warranty Coverage in Oregon Cities

What is a Home Warranty?

A home warranty is a service contract agreement between a homeowner and a provider that covers the home repair costs of appliances and systems. Home warranty contracts come with a set number of coverages, a monthly premium price, a service fee, and annual coverage caps. The most common covered items are HVAC, electrical, plumbing, ductwork, washer, dryer, microwave, and oven. Most providers offer a systems-only plan, an appliance-only plan, and combo plan, but some offer only comprehensive coverage policies. Home warranty companies also typically offer a selection of additional coverages that can be purchased and added on to any plan. Those typically include free-standing ice maker, septic systems, well pump, spa, limited roof leak, sump pump, stand-alone freezer, and pool coverage.

When one of the covered items under your policy has a breakdown, you will submit a claim through your service provider's online claims portal or phone number. Once the provider approves your claim, which usually takes 24-48 hours, the company will set up an appointment for you with a professional service technician to come to your home to look at the problem. If the issue is covered, the contractor will repair or replace what's necessary and you will only have to pay the service fee.

Service fees usually range from $60-$100 and are outlined in your contract agreement. Some home warranty providers allow you to choose your service fee, but that usually affects your monthly payment price. The overall cost of your home warranty will vary depending on house size and location, type of coverage, items included, and more. Home warranties are available to almost anyone - first-time home buyers, real estate agents, seasoned homeowner, and landlords can all get one for their property if wanted.

Home warranties are made to cover the normal wear-and-tear on your major home systems and appliances. This type of protection plan does not cover misuse, neglect, cosmetic damages, or pre-existing conditions. Additionally, a home warranty is not the same thing as homeowners insurance in that it does not cover damages caused by natural disasters such as storms, floods, or fires. 

How to Find the Best 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. 

Overall Pricing

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.  Pricing can depend on multiple factors including whether or not the property is a new home or old, location, the age of the major systems and appliances, and more. The factors are up to the discretion of the home warranty provider.

Read Also: Which Home Warranty Plan is the Cheapest?

BBB Ratings 

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. 

Cancellation Fees 

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. 

Oregon borders California, Washington, Idaho and Nevada, and living on different sides of the state can dramatically change your homeownership experience. 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. 

Does A Home Warranty Cover Pre-Existing Conditions?

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. 

Are You A First-Time Buyer? Check Out This Article!

Final Thoughts

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 breakdown and possibly cost thousands of dollars to fix. Choice Home Warranty offers a perfect combination of fair pricing, time spent in the industry, and comprehensive policy choices to choose from. Choice offers plan options that you will likely have in place for years to come. To get a free quote, fill out this form. It is important to know that with various plan choices and pricing options in Oregon, 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: 
    • Availability 
    • Pricing
    • Coverage
    • Fine Print 
    • Plan Options  
    • Service Contract Details 
    • Customer Service
    • Trustworthiness
    • Ratings and Reviews 
    • Add-On Options 
    • Promotions
    • 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.

Resources for Oregon Homeowners and Home Buyers

  • Homebuyers and Homeowners Oregon: The state of Oregon has put together a website specifically dedicated to home buyers and homeowners. If you are purchasing in Oregon or are simply an owner in the state, this is a website that you will want to familiarize yourself with. The information is easy to find and very helpful in certain situations. 
  • Oregon Weatherization Benefits: For low-income families or elderly that need help getting their home to the point that it would be safe and protected from the weather and elements. Oregon Weatherization Benefits include things like storm windows or caulking to make a home safe and comfortable. With the length of the rainy season in Oregon, this is a good resource to consider. 
  • Making Home Affordable: Making Home Affordable is another resource that helps Oregon homeowners with expenses and education related to homeownership. If you are curious or worried about the cost and value of a home warranty in Oregon, this is a website that may be able to help guide you. 
  • Oregon Homeownership Stabilization Initiative:  Homeownership in any state can be expensive. Many homes in the Pacific Northwest are pretty costly, and it leaves homeowners having a hard time with their mortgage payments. The Oregon Homeownership Stabilization Initiative can help; contact them to see what it is that can be done. 

Recap of Our Top Picks In Oregon 

  # 1 Our Top Choice Choice Home Warranty
Editorial Rating 98.50
  • $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 98.00
  • 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 97.60
  • $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 The Home Service Club
Editorial Rating 97.20
  • Lower chance of claim denial
  • 24/7 service calls
  • Great promotions available
  • Higher fee for contract transfer
  • Fewer contractors available
  • Limited plan selection
  • 1 day to submit a claim
  # 5 Liberty Home Guard
Editorial Rating 96.50
  • $200 off + 1 Month Free + Free Roof Coverage!
  • BBB's Only A+ Accredited Home Warranty Company!
  • Newly designed customer claim portal
  • Smaller company
  • Newer on the market
  # 6 Cinch Home Services
Editorial Rating 95.70
  • 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

Nearby States

All states
Home warranty Idaho 39 companies available
Idaho Home Warranty
Home warranty Nevada 41 companies available
Nevada Home Warranty
Home warranty Washington 25 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 the surprise repairs or replacement costs 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.