We may be compensated if you purchase through links on our website. Our Reviews Team is committed to delivering honest, objective, and independent reviews on home products and services.More

Best Home Warranty Companies in Oregon (2024)

Author Image Written by Dana Getz + 1 other Reviewer Icon Reviewed by Jacquelyn Kfoury Updated 05/24/2024

When homes age, the damage from normal wear and tear on essential systems and appliances increases. As a homeowner, you may find yourself on the hook for repair or replacement costs as things break down. For a monthly fee, a home warranty covers expensive home repair costs you would otherwise pay out-of-pocket.

To help with your research, we compared the best home warranty companies in the United States. We selected our top picks for Oregon based on coverage limits, plan costs, and additional perks. Our top recommendation for a home warranty in Oregon is Liberty Home Guard, due to its excellent customer ratings and long list of add-ons the company offers.

Key Takeaways

The best home warranty companies in Oregon are Liberty Home Guard and American Home Shield, based on our research of 57 home warranty providers.
An Oregon home warranty costs $723 annually on average, or $45–$79 per month, depending on your provider and coverage.
We recommend getting at least three different quotes from the providers below to help determine which is best for you.
Did You Know?

In the last 30 days, more than 2,500 people bought home warranties from the above providers.

Oregon’s Top 5 Home Warranty Companies

The highest-rated Oregon home warranty companies include the following:

Liberty Home Guard: Best Customer Ratings
American Home Shield: Best for Comprehensive Coverage
Elite Home Warranty: Best Flexible Coverage
First American Home Warranty: Best Appliance Coverage

Summary of the Best Home Warranty Companies in Oregon

We selected the top Oregon home warranty companies using our comprehensive review standards, which compare each provider’s coverage options, customer service, plan pricing, and reputation.

Monthly Cost in OR Service Fee Response Time BBB Rating Link
Liberty Home Guard Liberty Home Guard $49–$59 $65–$125 Up to 48 hours NR VISIT SITE
American Home Shield American Home Shield $49–$109 $100–$125 Up to 48 hours B VISIT SITE
Elite Home Warranty Elite Home Warranty $44–$58 $70 Up to 48 hours A+ VISIT SITE
Select Home Warranty Select Home Warranty $44–$47 $60–$75 48-84 hours B- VISIT SITE
First American Home Warranty First American Home Warranty $52–$92 $75–$125 4-48 hours B VISIT SITE
Liberty Home Guard
Logo Liberty Home Guard
Monthly Cost in OR $49–$59
Service Fee $65–$125
Response Time Up to 48 hours
BBB Rating NR
VISIT SITE
American Home Shield
Logo American Home Shield
Monthly Cost in OR $49–$109
Service Fee $100–$125
Response Time Up to 48 hours
BBB Rating B
VISIT SITE
Elite Home Warranty
Logo Elite Home Warranty
Monthly Cost in OR $44–$58
Service Fee $70
Response Time Up to 48 hours
BBB Rating A+
VISIT SITE
Select Home Warranty
Logo Select Home Warranty
Monthly Cost in OR $44–$47
Service Fee $60–$75
Response Time 48-84 hours
BBB Rating B-
VISIT SITE
First American Home Warranty
Logo First American Home Warranty
Monthly Cost in OR $52–$92
Service Fee $75–$125
Response Time 4-48 hours
BBB Rating B
VISIT SITE
Company BBB Rating Monthly Cost in OR Service Fee Visit Site
NR $49–$59 $65–$125 VISIT SITE
B $49–$109 $100–$125 VISIT SITE
A+ $44–$58 $70 VISIT SITE
B- $44–$47 $60–$75 VISIT SITE
B $52–$92 $75–$125 VISIT SITE
No results were found.

BBB ratings are accurate as of May 2024.

Note: We based the pricing information in this table and throughout the article on sample quotes we obtained for a 2,540-square-foot, single-family home in Portland, Oregon. Your pricing may vary depending on your home’s location, size, type, and plan selections.

Why Trust Us? Our review and rating process for the best home warranty companies
57
Companies Considered We carefully considered 57 companies to find the best home warranty providers available.
2000
Homeowners Surveyed We surveyed 2,000 home owners to see what they care about most for home protection.
57000
Reviews Analyzed We went through 57,000 customer reviews of home warranty companies to see what people had to say about each provider.
31
Coverages Compared We compared 31 policies to find the best home warranty offerings on the market.

Reviews of Home Warranty Companies in Oregon

Liberty Home Guard

Best Customer Ratings
4.5 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Liberty Home Guard (LHG) offers an extensive add-on suite and a lengthy workmanship guarantee. The company prioritizes customer service, earning high customer review scores and maintaining an A rating with the BBB.

Liberty Home Guard offers three plans: Appliance Guard, Systems Guard, and Total Home Guard. Appliance Guard covers major appliances, such as built-in microwaves, laundry machines, and dishwashers. Systems Guard covers home systems, such as your water heater and plumbing. The Total Home Guard bundles appliance and systems coverage into one comprehensive plan.

LHG services fees range from $65–$125. When we spoke with an AHS representative about these varying costs, she advised that fees are based on your plan, location, and add-ons. 

LHG offers monthly and annual premiums and includes two bonus coverage months if you choose an annual plan. Homeowners pay between $499 and $599 annually. 

Why We Chose Liberty Home Guard

Liberty Home Guard earned 4.5 out of 5 stars in our rating system. The company offers excellent customer support options, including its website’s 24/7 live chat feature. If you’re looking for plans with more specialized coverage, LHG could be a great option. The company offers 38 add-on options ranging from carpet cleaning to standalone freezers. Every plan includes a 60-day workmanship guarantee, twice the 30-day industry standard. 

Pros and Cons

Pros Allows customers to contact support through live chat Offers a 60-day workmanship guarantee Provides more than 30 additional coverage options Cons Covers high-end appliances only with add-on purchase Does not let you choose your own service provider Lacks transparency with service call fee pricing

Plans and Pricing

Here’s a breakdown of Liberty Home Guard plans:

  • Appliance Guard: The lowest plan offers appliance-only protection and includes items such as built-in microwaves, clothes washers, and dryers.
  • Systems Guard: This plan includes built-in systems, such as air conditioning, heating, ductwork, and water heaters.
  • Total Home Guard: The highest plan tier combines the Appliance Guard and Systems Guard coverage. 
  • Optional add-ons: The company offers 38 options, such as central vacuums, lighting fixtures, gutter cleaning, saltwater pools, and plumbing fixtures.

Here’s a breakdown of LHG plan pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

Appliance Guard

$49.99

$65–$125

$2,000

Systems Guard

$54.99

$65–$125

$2,000 (Plumbing & electrical: $500)

Total Home Guard

$59.99

$65–$125

Coverage caps remain the same

What To Expect

Customers can compare LHG plans with phone or online quotes. When we tested the online tool, it required personal information and home details, such as type and size. Our customized quote included options to change plan type and premium payments. 

Although LHG uses its own service technicians, it will let you choose one if it cannot find a local option. 

Our team tested the customer support line and reached a representative in under one minute. Online reviews mentioned the excellent customer service team and easy claims process. However, homeowners felt reimbursement payouts didn’t meet their expectations.

American Home Shield

Best for Comprehensive Coverage
4.4 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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

American Home Shield gets 4.4 out of 5 stars in our review standards. 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. 

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

Plans and Pricing

Here’s an overview of American Home Shield coverage plans:

  • ShieldSilver: This plan includes home systems, such as heating, cooling, and interior plumbing lines. 
  • ShieldGold: This plan provides ShieldSilver coverage and includes major appliances such as dishwashers and clothes dryers. 
  • ShieldPlatinum: The highest plan includes ShieldGold items and adds special perks, including $1,500 in roof-leak coverage. 
  • Optional add-ons: Added coverage such as electronics, pools/spas, guest units, septic pumps, and well pumps.

Below is an overview of AHS plan pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

ShieldSilver

$49.99–$59.99

$100–$125

$5000

ShieldGold

$69.99–$79.99

$100–$125

Systems: $5,000
Appliances: $2,000

ShieldPlatinum

$99.99–$109.99

$100–$125

Systems: $5,000
Appliances: $4,000

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. 

Elite Home Warranty

Best for Flexible Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

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 27 add-on options.

Monthly cost: $44–$58

When reading through the Elite Home Warranty sample contract, we learned that the company offers a $15,000 annual limit for all plans. This breaks down to a $7,000 claim limit for appliances and $8,000 for systems, which is a higher limit than many providers. 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. 

How We Scored Elite Home Warranty

We rated Elite Home Warranty 4.6 out of 5 stars in our review standards. We awarded high scores for its coverage and add-on variety. We deducted points for only offering one service call fee and limited online options. Here’s how Elite rated in key categories:

  • Coverage (4.6 out of 5): Elite scored high for its three customizable coverage plans and extensive add-on catalog. 
  • Value (4.25 out of 5): We deducted points because the company only offers one service call fee and charges a higher fee for high-end appliances.  
  • Trustworthiness and transparency (4.8 out of 5): Elite scored well for its excellent customer review scores on the Better Business Bureau (BBB) and other third-party sites. 
  • Availability and service (4.5 out of 5): Elite lost points for its limited online services. Unlike other providers, it doesn’t offer an online quote tool.

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

Plans and Cost

Below are the details of Elite’s coverage plans:

  • Elite Appliances: 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: 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: 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.

More details on Elite’s plans and pricing can be found in the table below:

Plan

Monthly Cost

Service Fee

Coverage Cap

Elite Appliances

$44.49

$70

Varies per Item

Elite Systems

$49.99

$70

Varies per Item

Elite Complete

$58.99

$70

Varies per Item

Elite offers 27 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. Here’s a summary of his experience:

  • He submitted his claim online and received an Elite claims specialist call within 30 minutes. 
  • He received a next-day appointment for his 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.
  • The technician 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.

Select Home Warranty

Best Value
4.3 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

Select Home Warranty offers low monthly premiums and solid heating and cooling system coverage. Select also pairs each plan with a low service call fee. Although the company has been around for less than a decade, it’s a competitive choice in the home warranty market.

Select Home Warranty offers three plans: Bronze Care, Gold Care, and Platinum Care. The Bronze Care covers major appliances, while the Gold Care covers major systems. Platinum Care covers systems and appliances. Select includes $400 roof-leak repair coverage in each plan.

Plans include a lower-than-average $60–$75 service call fee per claim. However, you cannot choose your preferred rate. During secret shopping. We discovered the company offers its lowest service call fee exclusively over the phone. 

Although you receive a $3,000 cap for HVAC systems, others receive a $500 limit. Select includes a 30-day workmanship guarantee on its repairs.

Select Home Warranty offers monthly and annual premium options. Annual payments cost between $479 and $524. You receive $150 off and two additional coverage months for choosing an annual option. 

Why We Chose Select Home Warranty

Select Home Warranty scored 4.3 out of 5 stars in this review. The company provides low-cost plan options below $50 per month, some of the lowest in this review. Select also includes roof-leak repair coverage with its plans. Other home warranty companies charge extra for this coverage type. Select Home Warranty makes an excellent choice for budget-conscious homeowners. 

Pros and Cons

Pros Includes discounts for choosing a multiyear plan Offers a $3,000 coverage limit for HVAC systems Provides free roof-leak coverage Cons Doesn’t offer service call fee flexibility Charges multiple service fees for multiple claims at the same time Includes low coverage caps on home systems and appliances

Plans and Pricing

Here’s a breakdown of Select Home Warranty plans:

  • Bronze Care: This plan includes major home appliances, such as built-in microwaves, cooktops, and garbage disposals.
  • Gold Care: You’ll receive protection for major home systems, such as cooling, heating, and plumbing.
  • Platinum Care: The highest tier combines Bronze and Gold Care coverage and adds garage door openers and plumbing stoppages. 
  • Optional add-ons: Add-ons include central vacuums, lawn sprinkler systems, pools, septic systems, spas, stand-alone freezers, sump pumps, and well pumps.

Below is a breakdown of Select Home Warranty’s plan pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

Bronze Care

$44.42

$60–$75

$500

Gold Care

$44.42

$60–$75

$500 (HVAC: $3,000)

Platinum Care

$47.75

$60–$75

Coverage caps remain the same

What To Expect

Our team pulled quotes with the Select Home Warranty team and on the website. The online quote tool doesn’t require your home address. You just need your ZIP code, name, phone number, and email address. From there, you can adjust your plan coverage and payment schedule. 

Select uses prepared service technicians but lets you choose a technician if it cannot provide one for you. 

After reading online reviews, we learned that homeowners liked the low-cost plan options but had difficulty reaching the customer support team. 

You can start the quote process with a Select customer service agent. If you’d prefer to shop on your own, you can use the online quote tool. Select makes the process easier by not requiring your home address. Instead, you enter your name, phone number, and ZIP code. You can switch between plan choices and premium frequency. 

Select will send a technician from its preapproved list when you schedule a service appointment. If it cannot find a technician nearby, the company lets you choose your own option. 

Online customer reviews praised the affordable plan options but mentioned difficulty reaching the customer support team.

First American Home Warranty

Best Appliance Coverage
4.6 We grade all home warranty companies on the most important factors to homeowners such as coverage, value, trust, transparency, availability, and service. We account for 15 specific data points such as coverage caps, systems and appliances covered, monthly costs, service fees, sample contract availability, response time, claims process, and workmanship guarantee length to then calculate a score, created fully by our Editorial team.

*(excluding AlaskaConnecticutDelawareHawaiiIllinois, Louisiana, MaineMassachusettsMinnesotaNew HampshireNew YorkNorth DakotaRhode IslandVermont, and Wisconsin)

First American 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 $75, $100, or $125 service call fee. First American includes a 30-day workmanship guarantee. 

First American Home Warranty includes annual and monthly premiums. Expect to pay between $600 and $1,080 for its annual plans. 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 Home Warranty received 4.6 out of 5 stars in our review standards. 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. 

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

Plans and Pricing

Learn more about First American coverage plans below:

  • Starter Plan: This plan includes built-in microwaves, dishwashers, ductwork, electrical systems, heating, plumbing systems, oven/cooktop, plumbing stoppages, refrigerators, and toilet tanks, bowls, and mechanisms. 
  • Essential Plan: 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: 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.

See below for more details on First American Home Warranty plan pricing:

Plan

Monthly Cost

Service Fee

Coverage Cap

Starter Plan

$52–$67

$75–$125

Systems: Unlimited

Appliances: $3,500

Essential Plan

$62–$77

$75–$125

Systems: Unlimited (Water heaters: $1,000)

Appliances: $3,500

Premium Plan

$77–$92

$75–$125

Systems: Remain the same Appliances: $7,000

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.


How Are Home Warranties Regulated 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 costs $60 per month on average, or $546-$948 annually. However, a home warranty cost also includes other items such as service fees and add-on coverage. You’ll pay service fees between $75 and $150 with every claim. Add-on coverage varies between companies, costing as little as $4 per month up to $20 or more.

To save money, homeowners should consider coverage for essential systems only and pair add-on options. In addition, many companies offer free months of service or discounts with annual and multiyear plans.


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 policy 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

Liberty Home Guard is our top pick for homeowners in Oregon due to its comprehensive policies and responsive customer service model. We also like American Home Shield for its generous coverage caps and pricing flexibility. We recommend Select Home Warranty for customers on a budget.

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?

When determining a home warranty’s overall cost, consider both the premiums and the service call fees. You pay the premium 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. Home warranties cost between $300–$600 a year and $75–$125 per service call fee.

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. 


How Do I Find the Best Home Warranty Company in My Area?

Find in-depth reviews on the best home warranty companies for top cities in Oregon below:

Our Rating Methodology

We back up our home warranty ratings and recommendations with a detailed rating methodology to score each provider objectively. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts, and conducting focus groups and consumer surveys. 

We score each provider against our review standards, which include four comparison categories: coverage, value, trust and transparency, and availability and service. We rate each provider across 31 factors within these categories. Each factor is assigned a point value based on its importance to a homeowner, totaling 100 points. We then convert the final scores to a 5-star rating. 

Here’s a breakdown of our weighted factors:

  • Coverage (40%): We scored coverage based on included home systems and appliances, add-on options, and unique benefits. We also compared coverage caps and policy exclusions.
    • Additional coverage items
    • Annual coverage cap
    • Home systems coverage
    • Major appliances coverage
    • Obstructed wall coverage cap
  • Value (30%): We compared the coverage level received to monthly pricing to determine plan value. We considered premium pricing, service fees, and flexibility in customizing plan costs.
    • Average monthly cost
    • Cost flexibility
    • Lowest service fee
  • Trust and Transparency (16%): We evaluated each company’s reputation using the Better Business Bureau ratings and customer reviews on third-party review sites. We read through plan change policies, workmanship protections, and sample contract availability.
    • Brand reputation
    • Policy change flexibility
    • Sample contract availability
    • Workmanship guarantee length
  • Availability and Service (14%): We award higher scores for faster claim processing and response times. We also considered service technician policies, including options to choose your technician.
    • Claims process
    • Guaranteed response time
    • Service flexibility

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