Best Home Warranty Companies in Oregon (2023)
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.
Oregon’s Top 5 Home Warranty Companies
The highest-rated Oregon home warranty companies include the following:
- American Home Shield: Best for Comprehensive Coverage
- Liberty Home Guard: Best Customer Ratings
- Select Home Warranty: Best Value
- First American Home Warranty: Best Appliance Coverage
- America’s First Choice Home Club: Best for Customization
Summary of the Best Home Warranty Companies in Oregon
We selected the top Oregon home warranty companies using our comprehensive review standards, which compares each provider’s coverage options, customer service, plan pricing, and reputation.
| Best For | Monthly Cost | Service Fee | Response Time | BBB Rating | Link | ||
|---|---|---|---|---|---|---|---|
| American Home Shield | | Best for Comprehensive Coverage | $49–$109 | $100–$125 | Up to 48 hours | B | VISIT SITE |
| Liberty Home Guard | | Best Customer Ratings | $49–$59 | $65–$125 | Up to 48 hours | A | VISIT SITE |
| Select Home Warranty |  | Best Value | $44–$47 | $60–$75 | 48-84 hours | B- | VISIT SITE |
| First American Home Warranty |  | Best Appliance Coverage | $42–$82 | $75–$125 | 4-48 hours | B | VISIT SITE |
| AFC Home Club |  | Best for Customization | $34–$53 | $75–$125 | 24-48 hours | B | VISIT SITE |
| American Home Shield | |
|---|---|
| Logo |
|
| Best For | Best for Comprehensive Coverage |
| Monthly Cost | $49–$109 |
| Service Fee | $100–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | B |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Best For | Best Customer Ratings |
| Monthly Cost | $49–$59 |
| Service Fee | $65–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | A |
| Select Home Warranty | |
|---|---|
| Logo |
|
| Best For | Best Value |
| Monthly Cost | $44–$47 |
| Service Fee | $60–$75 |
| Response Time | 48-84 hours |
| BBB Rating | B- |
| First American Home Warranty | |
|---|---|
| Logo |
|
| Best For | Best Appliance Coverage |
| Monthly Cost | $42–$82 |
| Service Fee | $75–$125 |
| Response Time | 4-48 hours |
| BBB Rating | B |
| AFC Home Club | |
|---|---|
| Logo |
|
| Best For | Best for Customization |
| Monthly Cost | $34–$53 |
| Service Fee | $75–$125 |
| Response Time | 24-48 hours |
| BBB Rating | B |
| Best For | Monthly Cost | Service Fee | Response Time | BBB Rating | Link | ||
|---|---|---|---|---|---|---|---|
| American Home Shield | | Best for Comprehensive Coverage | $49–$109 | $100–$125 | Up to 48 hours | B | VISIT SITE |
| Liberty Home Guard | | Best Customer Ratings | $49–$59 | $65–$125 | Up to 48 hours | A | VISIT SITE |
| Select Home Warranty | | Best Value | $44–$47 | $60–$75 | 48-84 hours | B- | VISIT SITE |
| First American Home Warranty | | Best Appliance Coverage | $42–$82 | $75–$125 | 4-48 hours | B | VISIT SITE |
| AFC Home Club | | Best for Customization | $34–$53 | $75–$125 | 24-48 hours | B | VISIT SITE |
| American Home Shield | |
|---|---|
| Logo |
|
| Best For | Best for Comprehensive Coverage |
| Monthly Cost | $49–$109 |
| Service Fee | $100–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | B |
| Liberty Home Guard | |
|---|---|
| Logo |
|
| Best For | Best Customer Ratings |
| Monthly Cost | $49–$59 |
| Service Fee | $65–$125 |
| Response Time | Up to 48 hours |
| BBB Rating | A |
| Select Home Warranty | |
|---|---|
| Logo |
|
| Best For | Best Value |
| Monthly Cost | $44–$47 |
| Service Fee | $60–$75 |
| Response Time | 48-84 hours |
| BBB Rating | B- |
| First American Home Warranty | |
|---|---|
| Logo |
|
| Best For | Best Appliance Coverage |
| Monthly Cost | $42–$82 |
| Service Fee | $75–$125 |
| Response Time | 4-48 hours |
| BBB Rating | B |
| AFC Home Club | |
|---|---|
| Logo |
|
| Best For | Best for Customization |
| Monthly Cost | $34–$53 |
| Service Fee | $75–$125 |
| Response Time | 24-48 hours |
| BBB Rating | B |
BBB ratings are accurate as of October 2023.
We pulled all pricing information in this article using a 2,540-square-foot, single-family home in Portland, Oregon. Your monthly premium may vary based on your home’s location, size, and type and your plan and add-on choices.
American Home Shield
Best for Comprehensive Coverage
Liberty Home Guard
Best Customer Ratings
Select Home Warranty
Best Value
First American Home Warranty
Best Appliance Coverage
AFC Home Club
Best for Customization
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?
Based on our sample quotes, Oregon homeowners could pay $58 for monthly premiums and $606 for annual costs. 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.
- 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 our top pick for homeowners in Oregon due to its generous coverage caps and pricing flexibility. Liberty Home Guard provides comprehensive policies and a responsive customer service model. We also 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
FAQ 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 each state and major US city 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.
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- 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.
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- 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.
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- 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.
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- 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.
