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Best Home Warranty Companies in Oregon

An Oregon home warranty can save homeowners time and money when a major system or appliance breaks down. Read on for the top home warranty companies in the state.

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Manufacturers’ warranties only last so long, and homeowners in Oregon know that the most expensive home appliances and systems don’t tend to conveniently break down during the warranty period. As homes age, the damage from normal wear and tear increases, and as a homeowner, you may find yourself on the hook for repair or replacement costs as things break down. Keep reading for the best home warranty companies in Oregon.

Oregon’s Top 3 Home Warranty Companies

The highest rated home warranty companies in Oregon include:

  1. American Home Shield (AHS): Best Overall
  2. Choice Home Warranty: Best Service
  3. Select Home Warranty: Lowest Deductible

We understand that you don’t want to buy a home warranty if it doesn’t save you money. The This Old House Reviews Team did the research and compared home warranty providers to help you find the best home warranty companies in Oregon. Here’s a closer look at our top three picks.

1. American Home Shield

Our overall recommendation goes to American Home Shield, a company with nearly 50 years in the home warranty business. While American Home Shield is our top overall pick, we acknowledge that their home warranties aren’t perfect. You’ll pay a little more for customizability, but we find the cost to be worth it.

Compare the company’s benefits and drawbacks below.

Pros and Cons of American Home Shield

Pros Cons
Pros Cons
Has been in business since 1971 No coverage for roofs or standalone freezers
Covers damage due to rust and corrosion Relatively high premiums (though still in line with the industry average) compared to other home warranty companies
Provides discounts on new appliances

American Home Shield offers the ShieldSilver™ plan to cover home systems. The next step up is the ShieldGold™ plan, which adds coverage for nine appliances and totals 23 items. The ShieldPlatinum™ plan is among the most comprehensive in the industry, adding coverage to the ShieldGold plan. The ShieldPlatinum plan increases coverage caps across the board and includes roof leak coverage and a free HVAC tune-up.

Customers can purchase extra coverage for pools and spas, well pumps, septic pumps, and guest units. American Home Shield also offers extended warranties for some electronic devices and discounts on new appliances.

Here’s a monthly pricing breakdown of each AHS plan, based on a standard $100 service fee:

Pricing of American Home Shield

Plan Monthly Premium
Plan Monthly Premium
ShieldSilver $34.99
ShieldGold $44.99
ShieldPlatinum $59.99

American Home Shield provides the ability to adjust your service call fee relative to your premium. You can pay a lower premium and a higher service call fee, should you need it, or vice versa. Balance how often you think you’ll need to use the policy against your monthly payment to determine your service fee.

To get a free estimate and discuss customizing your own plan, call 888-751-6014 or fill out this simple form.

2. Choice Home Warranty

Choice Home Warranty is another top home warranty provider in Oregon and covers systems and appliances regardless of how old they are. Though the company provides coverage options that some other companies don’t, such as roof leaks and septic systems, there are some potential drawbacks.

Pros and Cons of Choice Home Warranty

Pros Cons
Pros Cons
Provides 24/7 customer service Can’t choose your own contractor
Offers a 90-day repair guarantee Customers can’t build their own plans
Free cancellation within first 30 days

Choice Home Warranty offers two plans—the Basic Plan and the Total Plan. Both plans cover systems and appliances, but the Total Plan covers your air conditioning, washers, dryers, and refrigerators.

When signing up for a CHW plan, you can choose to pay your premiums either monthly or annually. If you pay for the whole year, Choice Home Warranty will waive your first month’s premium, as reflected in this table.

Pricing of Choice Home Warranty

Plan Monthly Premium Yearly Premium Service Call Fee
Plan Monthly Premium Yearly Premium Service Call Fee
Basic Plan $36.17 $397.87 $60–85
Total Plan $43.85 $482.35 60–$85
To receive a free estimate for a Choice Home Warranty plan, call 929-400-6165 or fill out this simple form.

3. Select Home Warranty

Select Home Warranty offers the lowest average premiums of any company we reviewed. Although the company has been around for less than a decade, it’s a competitive choice in the home warranty market.

Pros and Cons of Select Home Warranty

Pros Cons
Pros Cons
Provides free roof coverage and optional septic system coverage Only Platinum Care covers plumbing stoppages
Has a claims center that’s open 24 hours a day, seven days a week Charges repeat service fees for items that require multiple service visits
Offers discounts to customers who sign up for multi-year plans Has low coverage caps on home systems and appliances

Select Home Warranty offers three plans: Bronze Care (appliances plan), Gold Care (systems plan), and Platinum Care (combination plan). All three plans come with free roof coverage and $100 off.

Here’s a pricing breakdown of Select Home Warranty plans:

Pricing of Select Home Warranty

Plan Monthly Premium Yearly Premium Service Call Fee
Plan Monthly Premium Yearly Premium Service Call Fee
Bronze Care $35.83 $429.96 $75
Gold Care $35.83 $429.96 $75
Platinum Care $37.50 $450.00 $75

Note: Contact Select Home Warranty about additional discounts for multi-year plans.

To get a free quote from Select Home Warranty, call 888-370-3956 or fill out this simple form.

Compare Home Warranty Companies

Coverage Comparison

Provider American Home Shield Choice Home Warranty Select Home Warranty
Provider American Home Shield Choice Home Warranty Select Home Warranty
Air conditioning
Built-in food center
Built-in microwave
Ceiling fans
Central vacuums Optional
Clothes dryer
Clothes washer
Dishwasher
Doorbell
Ductwork
Electrical system
Electronic devices Optional
Exhaust fan
Freestanding ice maker
Garage door opener
Garbage disposal
Guest house Optional
Heating system
Oven/stove
Plumbing
Plumbing stoppages
Pool/spa Optional Optional
Range/cooktop
Primary refrigerator
Additional refrigerators Optional
Roof Limited
Septic pump
Septic system Optional
Septic tank
Smoke detectors
Standalone freezer Optional
Sump pump Optional
Trash compactor
Water dispenser
Water heater
Well pump Optional Optional
Whirlpool bathtub

After comparing coverage options, we recommend getting a quote from all three providers listed here to compare plan options and pricing.

Our Conclusion

Before buying a home warranty, take the time to look at your options and make sure that you can obtain coverage for the systems or appliances you’re most concerned about. Below is a master list of items covered by all three home warranty companies. Compare it to your own checklist to pick the best home warranty for you.

Frequently Asked Questions about Oregon Home Warranties

Which home warranty is best?

There’s no single answer to this question that works for everyone. However, the best home warranty for you is one that fits your budget and covers the systems or appliances in your house most likely to break down from wear and tear.

How much does a home warranty cost?

When determining the overall cost of a home warranty, consider both the premiums and the service call fees. The premium is what you pay every month (or year) to maintain the policy. The service call fee is charged every time you request a technician come out to take a look at a problem. On average, home warranties cost between $300–$600 a year and $75–$125 per service call fee.

What’s the difference between a home warranty and homeowners insurance?

A home warranty covers major systems and appliances that break down due to normal wear and tear, while homeowners insurance covers damage to your home from natural disasters, fire, and theft.

To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.