We chose American Home Shield as the best home warranty company for Oregon homeowners because of its robust protection of key systems and appliances. It’s also one of the few providers we’ve reviewed that covers preexisting conditions. We also recommend Choice Home Warranty if you need basic home protection at an affordable price.
A home warranty can offer peace of mind in Oregon, where damp conditions can contribute to HVAC and plumbing issues. Keep reading to discover our complete list of top home warranty providers and find the right protection for your home.
Key Takeaways
- Based on our research of 13 home warranty providers, American Home Shield is the best home warranty company in Oregon.
- An Oregon home warranty costs $58–$84 per month or $683-$991 annually, depending on your provider and coverage.
- Our 2025 home warranty survey revealed that 29% of Oregon homeowners prioritized protection for their heating or furnace unit, making it one of the state’s most commonly covered home systems.
Top 5 Home Warranty Companies in Oregon
Our highest-rated Oregon home warranty companies include the following:
- American Home Shield: Best Comprehensive Coverage
- Choice Home Warranty: Best Basic Plan Coverage
- Elite Home Warranty: Best for Customized Coverage
- First American Home Warranty: Best for High-End Items
- AFC Home Warranty: Best Technician Flexibility
Summary of Oregon’s Best Home Warranty Companies
We selected the top Oregon home warranty companies using our comprehensive review standards, which look at each provider’s coverage options, customer service quality, pricing, and reputation. Learn more about some of these factors, including costs and Better Business Bureau (BBB) ratings, below.
| Company | Star Rating | BBB Rating | Monthly Cost | Service Fee |
|---|---|---|---|---|
B | $36–$100 | $100–$125 | ||
B | $60–$68 | $100 | ||
B | $45–$60 | $70 ($150 for after hours and weekends) | ||
B | $77–$130 | $100–$125 | ||
B | $44–$82 | $75–$125 |
Notes: Your pricing may vary depending on your home’s location, size, type, and plan selections.
The BBB is an independent organization that evaluates businesses’ credibility and responsiveness to customers. Ratings are accurate as of April 2025.
Reviews of Home Warranty Companies in Oregon
American Home Shield
Pros and Cons
Pros
- Covers damage due to rust and corrosion
- Offers customers a discounted annual HVAC tune-up
- Provides new appliance discounts
Cons
- No appliance-only plan provided
- Includes monthly premiums only
- Offers a limited amount of add-ons
Company Overview
American Home Shield (AHS) is a reputable home warranty provider for Oregon residents. It offers flexible plans and generous coverage limits per covered item. In addition, AHS doesn’t require a home inspection prior to granting coverage, making it a good choice for those with an older home.
American Home Shield has three plans and a handful of add-ons. The ShieldSilver plan covers major home systems. The ShieldGold plan offers appliance and system coverage. 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, spas, well pumps, septic pumps, and guest units. American Home Shield also offers extended warranties for select electronic devices and new appliance discounts.
Our sample quote includes a service call fee of $100 or $125. When we selected a higher service fee, our monthly premium decreased. American Home Shield offers a 30-day workmanship guarantee. Unlike other providers with annual and monthly premiums, AHS only offers a monthly option.
Why We Chose American Home Shield
The company offers three comprehensive coverage plans and two service fees, giving customers price flexibility. It also offers unique coverage typically excluded from other provider plans, such as rust, sediment, and corrosion damage. This is helpful for homeowners with older systems and appliances.
Plans and Pricing
Here’s an overview of American Home Shield coverage plans:
- ShieldSilver ($47 per month): This plan includes home systems, such as heating, cooling, and interior plumbing lines.
- ShieldGold ($67 per month): This plan provides ShieldSilver coverage and includes major appliances such as dishwashers and clothes dryers.
- ShieldPlatinum ($97 per month): The highest plan includes ShieldGold items and adds special perks, including $1,500 in roof-leak coverage.
- Optional add-ons: Customers can buy added coverage such as electronics, pools and spas, guest units, septic pumps, and well pumps.
What To Expect
Homeowners can access AHS quotes through its customer support team or website. The online quote tool requires basic information, such as your address, email address, and ZIP code. When you receive your quote, you can adjust your plan based on the coverage and service fee options. You can also choose your add-on options and get immediate price adjustments.
AHS uses an exclusive network of technicians for service calls. Our team members used his AHS plan to file a claim for a leaky bathroom pipe. After speaking with a representative, he received a service appointment for the next day. The technician resolved the pipe leak and only charged for the service call fee.
When reading online reviews, we noticed that homeowners enjoyed the simple claims process but stated their claim reimbursements were lower than anticipated.
Choice Home Warranty
Pros and Cons
Pros
- Backs repairs with a 90-day guarantee on parts and 60 days on labor
- Offers affordable home warranty coverage for under $70 per month
- Provides $3,000 of coverage for most items
Cons
- Doesn’t offer service call fee flexibility
- Excludes some essential items from its lower-tier plans
- Has an ongoing legal case with the Arizona Attorney General
Company Overview
Choice Home Warranty stands out for its affordable home warranty coverage, which includes a standard $3,000 limit for most covered items. The company also offers a longer workmanship guarantee of up to 90 days for parts and 60 days for labor, providing homeowners with extended protection against recurring issues and added confidence in repairs.
Choice Home Warranty offers two plans: Basic Plan and Total Plan. Both plans include home comprehensive protection with a mix of systems and appliances. The plans include a $3,000 limit for all covered items, offering mid-tier protection compared to other providers.
Choice charges a standard $100 service call fee for its repairs, limiting your ability to customize your costs. Most providers offer two or more options to let homeowners choose a fee that balances upfront costs with per-service expenses.
Choice offers monthly and annual premiums but charges an extra $2.50 fee if you select the monthly option.
Why We Chose Choice Home Warranty
With its affordable plans, comprehensive home protection, and extended workmanship guarantee, Choice is a solid option for budget-conscious homeowners. Its straightforward pricing structure also makes it easy to understand what’s included in each plan, offering reassurance when it comes to budgeting for home repairs.
Plans and Pricing
Here’s a breakdown of Choice Home Warranty’s plans:
- Basic Plan ($59 per month): The lowest-tier plan covers 14 systems and appliances, including heating, plumbing, and dishwashers.
- Total Plan ($67 per month): This plan includes 18 home appliances and systems, expanding coverage to HVAC systems, laundry appliances, and refrigerators.
- Optional add-ons: The company offers 10 options, such as second refrigerators, septic system, and limited roof leak coverage.
What To Expect
Our Choice Home Warranty testers had mixed results when filing claims. For example, they submitted a claim for a broken freezer and air conditioning (AC) system simultaneously. While they received a confirmation of their claim submission, there was a delay in scheduling a technician. After daily follow-up calls, our testers eventually received a status update. In terms of repairs, the AC issue was resolved with one visit, while the broken freezer took three visits. Our testers also reported varying timeframes between service appointments, ranging from one day to one month.
Elite Home Warranty
Pros and Cons
Pros
- Includes a 90-day workmanship guarantee for completed repairs
- Offers higher coverage limits for high-end appliances
- Rolls your service call fee into your annual premium, avoiding a per-claim charge
Cons
- Charges a higher service call fee for high-end appliance repairs
- Excludes workmanship guarantee on repairs done with an out-of-network technician
- Requires you to call for a quote
Company Overview
We recommend Elite Home Warranty for homeowners who want flexible premiums and coverage. The company offers three base plans with a standard $70 service call fee (a lower service call fee than many providers) and 30 add-on options.
When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. However, claim limits vary among coverage items. For example, air conditioners receive up to $4,000 while electrical systems are capped at $2,000.
We recommend reading through the sample contract or getting a quote for full details on coverage caps.
Plans and Cost
Below is a list of Elite’s home warranty plans and coverage details:
- Elite Appliances ($45 per month): The appliance-only plan covers eight essential appliances, including cooktops, clothes washers, and dishwashers. Coverage caps vary by appliance but are subject to a $7,000 term limit.
- Elite Systems ($50 per month): This system-only plan covers eight home systems, such as air conditioning, heating, and electrical systems. This plan has an $8,000 annual limit, though coverage caps vary by system.
- Elite Complete ($60 per month): The highest plan tier combines the Elite Appliances and Elite Systems plans for comprehensive systems and appliance protection.
Based on our sample quotes, Elite Home Warranty charges a monthly premium of about $44–$58. The company has a standard service call fee of $70. It charges $150 for high-end appliance repairs and service calls that occur after hours or on the weekend.
Elite offers 30 add-on options, one of the largest catalogs we’ve seen from a home warranty company. Based on our research, most providers offer eight to 15 add-ons. Elite’s add-on coverage limits vary by item. There is a $5,000 total limit per term.
We’ve highlighted some of Elite’s most attractive add-on options below. View the full list on Elite’s website:
- Annual maintenance
- Drainage, sewer, and water service lines
- Pool and spa equipment
- Geothermal heating and cooling systems
- Guest house
- Septic system
Our Experience with Elite Home Warranty
One of our team members tested the Elite Home Warranty claim process to repair his broken high-end dishwasher. Our tester submitted his claim online and received an Elite claims specialist call within 30 minutes, followed by a next-day appointment for a repair. The technician arrived on the assigned day but realized the repair would require out-of-stock parts. After an initial service visit on Tuesday evening, the technician returned with the required parts the following Monday morning and completed the repairs within an hour.
Elite sends in-network technicians to complete its repairs. It backs its coverage with a 90-day workmanship guarantee. If you choose your own repair technician, Elite will pay them for labor at an hourly rate not to exceed the standard hourly rate in your area. You won’t receive any workmanship coverage from Elite if you choose your own technician. However, the local technician should provide their own workmanship guarantee, likely around 30 days.
First American Home Warranty
Pros and Cons
Pros
- Covers working home systems/appliances regardless of age
- Offers customers access to appliance discounts
- Provides unlimited coverage caps on heating, cooling, and ductwork
Cons
- Covers air conditioning only as an add-on in the Starter Plan
- Excludes roof-leak coverage
- Omits home system coverage from its basic plan
Company Overview
First American Home Warranty offers the best appliance coverage, with limits as high as $7,000 per item. In addition, First American offers additional protections with its upgrade package, offering coverage for unique conditions, such as lack of maintenance.
First American Home Warranty offers three plans: the Starter Plan, the Essential Plan, and the Premium Plan. The Starter and Essential plans include a $3,500 appliance limit. Its highest option, the Premium Plan, includes a $7,000 limit. You can choose a $100, or $125 service call fee. First American includes a 30-day workmanship guarantee.
First American Home Warranty includes annual and monthly premiums. Although First American offers annual options, it does not offer free months, service, or discounts for choosing a yearly plan.
Why We Chose First American Home Warranty
First American offers generous appliance limits, providing between $3,500–$7,000 per item. With its First American Advantage upgrade, homeowners can expand coverage to include items with special conditions. These added protections include improperly maintained, modified, or installed appliances. Homeowners with high-end appliances should consider First American Home Warranty.
Plans and Pricing
Learn more about First American coverage plans below:
- Starter Plan ($87 per month): This plan includes built-in microwaves, dishwashers, ductwork, electrical systems, heating, plumbing systems, oven and cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms.
- Essential Plan ($109 per month): Coverage includes Starter Plan items plus air conditioning, ceiling/attic/exhaust fans, clothes washers and dryers, garage door openers, trash compactors, and water heaters.
- Premium Plan ($139 per month): This plan includes Essential Plan coverage plus full garage door systems, instant hot water dispensers, luxury appliances, shower heads and arms, and window air conditioning units.
- Optional add-ons: Add-on options include additional refrigeration, air conditioning for the Starter Plan, HVAC tune-up, limited roof-leak coverage, pool and spa equipment, septic tank systems and pumping, water softeners, and well pumps.
What To Expect
Getting a First American quote can take place over the phone or online. When visiting the First American website, we simply entered our name, phone number, email, and home address. We needed additional home-specific information such as home type and square footage. We could easily switch between plan options and service call choices.
First American completes its repair and replacements with approved service technicians. If it doesn’t have options in your area, you can select your preferred technician. Our team member used his First American plan to repair a garage door opener. He spoke with a First American representative on a Friday and received a service appointment for the following Monday. The technician resolved the issue and only charged the service call fee.
Based on online reviews, homeowners praised the easy claims process but faced delays when scheduling service request appointments.
AFC Home Warranty
Pros and Cons
Pros
- Doesn’t include caps for HVAC and water heater coverage
- Lets you choose your own service technician
- Offers a plan-length workmanship guarantee
Cons
- Has lower caps for some key appliances and systems
- Includes a depreciation policy for items five years and older
- Sets a low $10,000 aggregate or overall limit on all claims
Company Overview
AFC Home Warranty offers flexibility with its home warranty coverage, including four plan options and the ability to choose your technician, a feature rarely offered by other providers. The company also backs claims with a plan-length workmanship guarantee, which guarantees satisfactory repairs and gives homeowners added confidence in the quality of service.
AFC Home Home Warranty offers four plans: Silver Plan, Gold Plan, Platinum Plan, and Diamond Plan. The Silver Plan offers appliance-only coverage, while the other three plans offer varying levels of comprehensive coverage with systems and appliances.
You can customize your service call fees, with options for $75 or $125. Choosing the higher service call fee lowers your monthly cost, and vice versa.
Coverage caps vary between items, with appliances ranging between $150 and $3,000 and systems ranging between $150 and $500, which is lower than some other providers. However, heating, cooling, and waters don’t have set caps for their protection.
Why We Chose AFC Home Warranty
The company makes it easier for homeowners to not only customize their plan options but also have more flexibility in selecting their service technicians. With the ability to choose their technicians, homeowners can select their preferred local professionals, getting trusted service for their home repair needs.
Plans and Pricing
Here’s a breakdown of AFC Home Warranty plans:
- Silver Plan (call for a quote): This plan includes nine major home appliances, such as clothes washers, cooktops, and garbage disposals.
- Gold Plan ($44 per month): You’ll receive protection for 15 appliances and major home systems, such as cooling, heating, and plumbing.
- Platinum Plan ($51 per month): The next tier plan expands coverage to 20 items, including refrigerator ice makers, built-in microwaves, and fans.
- Diamond Plan ($82 per month): The highest plan tier includes Platinum Plan protection and adds coverage for electronics, exterior sewer lines, and exterior water lines.
- Optional add-ons: Add-ons include electronics, in-ground pools, septic systems, spas, sump pumps, and well pumps.
What To Expect
Our AFC Home Warranty tester found the claims process quick and easy, taking about five minutes with an intuitive portal. However, there was some confusion after she submitted her claim—she received an email confirming submission and a text saying she needed to call in. When she did, customer service confirmed the claim was successfully completed online.
After returning from a short vacation, she scheduled her appointment about a week later. The technician completed the repairs, but the problem returned after a few days. She started the claims process again, was assigned a second technician, and didn’t pay a second service call fee for the follow-up visit. Despite needing two technicians, she was satisfied with the service.
Home Warranty Regulations in Oregon
Based on our research, he found that Oregon’s Department of Consumer and Business Services oversees home warranties in the state. This government entity helps maintain fair practices in the state and protects homeowners’ rights. Home warranties fall under service contracts and are regulated under Oregon statute § ORS 646A.154.
Homeowners can file a complaint directly with this department if they experience home warranty disputes or issues.
How Much Does a Home Warranty Cost in Oregon?
An Oregon home warranty typically costs between $58 and $84 per month, or $683–$991 annually. In comparison, the national average for home warranties ranges from $47–$82 per month, or $564–$984 per year. However, these costs can vary based on additional factors such as service fees and add-on coverage. Service fees typically range from $75–$150 per claim, while add-ons can cost anywhere from $4–$20 or more per month, depending on the provider.
To save money, we recommend homeowners in Oregon consider focusing on coverage for essential systems only and buying add-ons as needed. In addition, many providers offer discounts or free months of service for annual or multi-year plans, making it easier to reduce overall costs.
| Provider | Monthly Cost in Oregon | Service Fee |
|---|---|---|
| American Home Shield | $47–$97 | $100–$125 |
| Choice Home Warranty | $59–$67 | $100 |
| Elite Home Warranty | $45–$60 | $70 |
| First American Home Warranty | $87–$139 | $100–$125 |
| AFC Home Warranty | $44–$82 | $75–$125 |
How We Determined Home Warranty Pricing
We collected nearly 4,000 home warranty quotes from 13 providers across all 50 U.S. states to estimate costs in Oregon and nationwide. In Oregon, we used sample addresses for single-family homes both above and below 5,000 square feet in cities and towns like Eugene, Halfway, Lake Oswego, and Salem. This approach helped us capture pricing across both urban and rural areas. After gathering the data, we averaged the results to calculate typical price ranges for the state and the country.
Survey Insights from Oregon Homeowners
Our 2025 survey of 2,000 home warranty customers nationwide gave us valuable insight into how people shop for and use their plans. Many Oregon homeowners were motivated to sign up for coverage after dealing with unexpected system or appliance breakdowns. Forty-seven percent said they purchased a plan following a costly repair. Coverage remained a top priority when shopping for a plan, with most homeowners opting for combination plans that include both systems and appliances. That demand for broader protection may also reflect home age, as 82% of Oregon respondents reported living in pre-owned homes.
When it came to specific coverage needs, Oregon homeowners most often chose protection for heating and furnace systems, followed closely by electrical systems. For appliances, water heaters and refrigerators were the top priorities. Some homeowners also invested in add-on options, most commonly roof leak protection, supplemental system coverage, and sewer line coverage. Still, about 35% of respondents didn’t select any add-ons, suggesting they have base plans that already meet their core needs.
Oregon homeowners also reported positive claims experiences. Of those who filed a claim, 88% said it was approved, and 47% received a repair rather than a full replacement. Appliance-related claims were the most common among respondents in the state. Regarding satisfaction, 82% of homeowners were happy with their most recent claim, and 71% said they plan to renew their warranty when the current term ends.
How We Collected Our Survey Data
In 2025, we surveyed 2,000 home warranty plan holders across all 50 U.S. states to better understand their experiences. We asked why they chose to purchase coverage, how satisfied they were with their plans, and their claims and customer service interactions. The survey also examined factors such as plan pricing, add-on selections, and whether homeowners planned to renew coverage.
What To Look For When Buying a Home Warranty in Oregon
When shopping for home warranties in Oregon, we recommend matching your plan to your home needs. Below are a few tips to help you in your search.
- Check plan exclusions: Read through each home warranty contract and check for coverage exclusions and limitations. Ensure your essential system and appliances will receive coverage and check for policies that exclude coverage based on system age or condition. If your system or appliance is nearing the age limit, check coverage exclusions before renewing annually.
- Consider cost versus value: Although a more affordable home warranty will save you money on premiums, it may not offer adequate coverage caps or protection. Paying more for more comprehensive coverage could be worth the investment.
- Look for better customization options: Some companies offer limited plan coverage, making it harder to match your plan to your needs. Look for companies offering better flexibility with multiple plans, service fees, and add-on options.
Expert Takes on Home Warranties
To expand our home warranty research, we spoke to industry experts and professionals. We got their take on home warranties and asked some common homeowner questions. We’ve shared their answers below:
- Are home warranties worth it for older Oregon homes? Dave Bringer, owner and head technician of Bringer Appliance Repair, explained that home warranty coverage offers added protection when standard appliance and system warranties are no longer useful. He said, “Older homes need home warranties because their appliances and systems have most likely used their manufacturer’s warranty coverage.”
- What should I know about the claims process in Oregon? David Tully, founder of LPT Realty, recommends reading your company’s claim process policies to better understand the process. He shared, “You need to understand how to file a claim to your provider and how quickly you can expect a response from them. Also, get to know the turnaround time they would take for the repairs and replacements.”
- What do I need to know before signing up for a home warranty in Oregon? When we spoke with Danny Margagliano, a World Impact Real Estate Realtor, he explained that the value of a home warranty plan could be worth the higher cost. “Depending on the age of your home appliances, the cheapest plan may be good,” he said. “A more expensive plan that covers more parts of the home may be a better choice for someone else.”
Our Conclusion
American Home Shield is top pick for homeowners in Oregon due to its generous coverage caps and pricing flexibility. We also like Choice Home Wraranty for its basic coverage and affordable monthly rates.
Before buying a home warranty, request quotes from three providers to compare costs and coverage options. We also recommend reading their sample contracts to better understand coverage exclusions and limitations.
Other Resources for Residents in Oregon
FAQs About Home Warranties in Oregon
What’s the difference between a home warranty and home insurance?
A home warranty covers major systems and appliances that break down due to normal wear and tear. In contrast, homeowners insurance covers damage to your home from natural disasters, fire, and theft.
How much do home warranties cost?
Home warranties cost an average of $56 per month, but they can range from $47–$82 per month or $564–$984 per year. Your actual cost depends on factors like your location, the size and age of your home, and the level of coverage you choose.
Do home warranties cover normal wear and tear?
Yes, most home warranty companies cover systems and appliances that experience normal wear and tear. However, each company offers different coverage caps for these items.
Our Rating Methodology
We used a thorough rating methodology to assess each home warranty company we reviewed. Our process involved gathering information through conversations with company representatives, obtaining quotes, examining sample contracts, and conducting homeowner surveys and focus groups. We also tested 11 providers firsthand for their sign-up and claims process.
This data helped us score each provider across six key comparison categories that are critical when selecting a home warranty. We evaluated each provider, assigning points based on their importance to homeowners, totaling 100 points. The final scores were converted into a 5-star rating.
Here’s how we weighed the factors:
- Coverage: We evaluated each provider’s coverage, including baseline and unique items. Companies offering broad coverage and higher annual limits received the highest scores, while points were deducted for having long waiting periods or depreciation policies that reduced payouts for older items.
- Cost: We analyzed monthly pricing and service call fees, awarding the highest points to companies with prices at or below the industry average, without additional surcharges or hidden fees.
- Trustworthiness: We examined customer reviews from sites such as the BBB and Trustpilot, looked at company responses to complaints, and checked for National Home Service Contract Association (NHSCA) membership. Providers with the highest ratings and long workmanship guarantees scored better, while points were subtracted for ongoing legal issues.
- Plan transparency: We reviewed terms and policies from contracts and websites, giving higher scores to providers with clear and transparent details.
- Customer support: Providers offering multiple claim submission options, quick response times, and accessible customer service received higher ratings.
- Flexibility: Companies offering a wide range of plan options, extensive add-on choices, technician selection flexibility, and customer-friendly cancellation policies received more points.
